Finance in Guernsey: The Top Investment Firms on the Island

Guernsey, one of the islands in the English Channel, is a well-respected international finance hub. Many international banks, such as those with head offices in locations such as the United States and Europe, have opened branches on the island with much success. The banks in Guernsey provide a wide range of services to both locals and tourists, including specialist lending, wealth management and savings. These establishments also service many other companies that fall under the umbrella of finance in Guernsey, such as those that specialize in insurance, trust and investing. If you’re looking for help managing your investments, or you’re looking to begin investing in Guernsey, these are the top investment firms on the island.Nova Investment Management LimitedNova Investment Management Limited, located in St. Martin, is an investment company that is both regulated and licensed by the Financial Services Commission of Guernsey. Nova Investment offers individualized investment services to a wide range of clients, including those situated internationally. An independent company, Nova Investment focuses on using their knowledge of investment strategies and styles, and assets, to generate positive outcomes for clients. These positive outcomes include both preserving and gaining wealth, regardless of whether the current market conditions are favourable. This Guernsey company also offers discretionary management services, including providing tailored portfolio investments, and portfolio evaluations, to ensure that current investment portfolios continue to meet the needs of the client.Cenkos Stockbrokers and Investment ManagersCenkos Stockbrokers and Investment Managers is a financial company in Guernsey with a broad scope. In addition to stockbroking services, such as trading accounts and market making, Cenkos provides islanders with a broad scope of investment management services. The company’s investment management sector offers investing through many different types of products and portfolios, and strives to help their clients invest in asset classes that will provide long term results. Their services include income and diversity funds, global equity funds, Bailiwick investments and CI property funds. Located in St. Peter Port, and with a location on the island of Jersey as well, Cenkos Stockbrokers and Investment Managers also runs two Channel Islands funds with a specialist focus.Brewin DolphinBrewin Dolphin, an independent, investment management company for private clients, is one of the top investment firms in the United Kingdom. Their Guernsey office, located on Lefebvre Street in St. Peter Port, was established in 1997 and is widely popular on the island. Brewin Dolphin’s Guernsey location services private clients and intermediaries, as well as international and local financial establishments. Their range of services include dealing accounts, advisory dealing and both advisory and discretionary investment management. Licensed to provide investment business by Financial Services Commission in Guernsey, Brewin Dolphin has won many awards, including “Best Wealth Manager for Alternative Investments” and the Citywire “Large Firm Award.”If you are in need of investment management services, there are many options available in Guernsey. The island’s stable banking sector and diversity of companies is key to the great reputation of finance in Guernsey, and their services are some of the best available. If you are interested in investing in Guernsey, or if you are looking to switch investment providers, Nova Investment, Brewin Dolphin and Cenkos Stockbrokers and Managers get the job done professionally and properly.

Posted in Uncategorized | Comments Off

Online Vacation Planning Is Still Beating Traditional Agents

In addition to adding more resources to your travel landscape, there are also some very practical reasons to plan a trip online. In a time of rampant busy-ness, many people are working longer hours, have packed schedules and live a lifestyle that is just not conducive to normal business hours. This makes finding a travel agent pretty tough for some people.Then again, it’s also possible that you don’t know any. Quick, run down your favorite brick-and-mortar travel agency? Do you know any? It’s much easier to remember a handful of online agencies like Orbitz, Priceline or Travelocity and Bob McQueeny’s Travel Emporium. Using an online tool can be a lot faster than finding a trustworthy agency in your town. Planning a trip on the Internet can save you loads of time and all you need is a stable line to the world wide web. (Here’s a tip, even if you don’t have one, head to the library to use their WI-FI and computer.)Online you can find tracking services, discount fare newsletters and easy comparison shopping between airlines plus it’s free just to search. All you need to do is sit back and watch the travel information pour in. Use the stuff you want and discard the rest. This alone may cost you $40-$50 when visiting a travel agent.Also, you don’t have to wait on the phone and listen to bad music when you call someone to check flight availability anymore plus you don’t have to make travel plans during business hours since online travel agencies never close. If the travel bug hit you at, let’s say 11 PM, you can just walk over to your computer in your PJs and see how much it would cost to travel to Tahiti. If you live far from a metropolitan area, like I do, there may not be a ton of travel agencies to use whereas the Internet can provide a wide array of travel choices not otherwise available.With a few clicks of ye olde mouse, you can compare fares dozens of the online agencies and you can be as informed as the most polished city slickers night or day.For better or for worse, planning a trip online is something that anyone can do. No more excuses or listening to your friends say “I didn’t know any travel agency which specializes in Mexico.” You and your travel partners can easily scout out a specialist, regardless of where you are at or where you are going. Want to travel to Moscow? Sweet, there are tons of Russian travel specialists. Want to see where Lord of the Rings was filmed? Even better, visit all the Lord of the Ring-specific travel agencies for New Zealand. (Yes. They exist.)If you’re planning a group family vacation, the web offers instant collaborative planning. Call your son over to the computer to check out a photo of a rental property or your annoying niece to see the birthplace of Justin Bieber. (You guessed it. It’s a hot travel destination.) Your family will appreciate being included on plans and you’ll be a hero. It’s now easy to get a really good grasp of the going rates for flight routes, the prices of any hotel prices in Egypt, those fancy Bed and Breakfasts in Maine and even that golf trip to Scotland just online travel planning resources.

Posted in Uncategorized | Comments Off

How to Pick the Best Online Health Care Degree

Health care is a booming industry that continuously needs skills workers and professional workforces to fulfill the job positions. If you are in the health care industry, the high demand in the industry can create a good opportunity for you to move your health care career to a high level, what you need is a good health care degree that can meet your career goal. Pursuing your health care degree online is a good option that allowed you to continue your current job while study online to earn a health care degree for a brighter future. There are many online health care degree programs available, so how you are going to pick the best online health degree program out of the list?Before you pick the best online health care degree, you need to know what you want with the degree. Health Care industry covers a wide range of fields and each health care degree is designed to serve the need of each field. Alternative medicine, emergency management, psychology and life care planning are different careers in health care industry; there are many other fields in health care, which one is your target career? You need to make clear on your career direction before you decide which online health care to consider.Once you have made up your mind of your preference health care career, your next step is to select an appropriate online health care degree that can meet your career goal. Although searching your preference online degree program is easy and convenient using internet, but time and efforts are needed to find the best online degree program. Besides the need to beware about the potential diploma mills, you should also aware that the same degree program offered by different accredited online universities may carry difference courses. The best thing to get a further understanding about these degrees is requesting all the detail information from the related online universities. The good thing is information requests are free of charge; hence you should fully utilize the free service to get all information you need about your preference online health care degree and compare them against your career goal.The best online health care degree program should be offered by a reputable accredited online university. You want your degree carry the most value and well know by most employers in the health care industry because you will need it to help you in your health care career movement. In term of accreditation, you can always check your preference online universities with the accreditation database provided by CHEA.org. For reputation, you can check it against any complaints filed about your short listed universities at BBB.org.The best online health care degree should gives you the necessary hand on practical and other on job training that are needed for you to familiar with the necessary skills to implement your knowledge and apply it to your job. If the selected online health care degree required these lab and practical works, find out from the online university about their medical partners that near your location that will allow you to perform your practical training.In SummarySelecting the best online health care degree out of the bests is not an easy task. The bottom line is your best online health care degree may not be the best in the market, but it is the best for you because it can fulfill your requirement to achieve your health care career goal.

Posted in Uncategorized | Comments Off

Health Care – A Populist Solution

It should be obvious by now that the U.S. health care system is not going to be happily corrected from the top down. If we truly had a free-market competitive system with many insurance companies vying for the public’s business, that should bring prices of their service down, right?How can our President be an honest broker in a negotiation with the fabulously wealthy health insurance corporations, the pharmaceutical industry, and others who were major contributors to his election? It simply is not going to happen. These folks have spent a lot of money and time to get their corporations into a position where they have got the most profitable game in town, and — as we have seen with the heavy Wall Street influence on this administration — they are not going to be forced to give it all up, just to make the American people happy.An article recently appeared in the newspaper by T.R. Reid, which gives a rundown of the administrative costs of various health insurance plans around the world, with ours included. The U.S. topped them all at 20% being spent on paperwork, reviewing claims, and marketing. The European countries and Canada ran about 4-6% administrative costs. Taiwan came in the lowest at 1.5%! It shouldn’t require private detective sleuthing around the corridors of power in Washington to help us figure out that Americans are under the thumb of an uncompetitive and — I may as well say it — corrupt system.We have a system where the people with the most to gain, “gain access” to our political leaders with the help of well-connected lobbyists to get their views heard. Then, when election time rolls around, mega-contributions flow into the appropriate party’s account in return for favorable legislation that allows the corporations to maintain their strangle-hold on our shrinking American economy. It’s all a highly-ritualized dance here, but in any Third-World country the same general process is called corruption and influence-buying. The results are the same, whatever we call it.So how do we, as a nation, break free of the hold the Health Care Industry has on our economy? It is really very simple. We must use one of the few freedoms we have left: Boycott these industries that have been overcharging us for years. And give up the naive notion that your elected representatives will negotiate a fairer deal(for you and me) with the industries that paid to put them into office.Now, I know what you’re thinking. You’re thinking, “If I give up my current health insurance and something happens to me or one of my family, we’d be sunk!” You have a point, there.It’s a shame to live in fear of something, out of your control happening to you, isn’t it? But what about the elements of your health that you CAN control? So much of our long term disability develops from simple everyday choices we make that lead to our weight gain, or whether we smoke, whether we drink too much. These are all controllable if we choose. I choose — do you?Are you doing everything you can to reduce your need for health care? There are many peer-reviewed medical studies showing the health benefits of a primarily vegetarian diet, combined with daily cardiovascular exercise, being very effective at reducing bad cholesterol, lowering high blood pressure, maintaining a healthy weight, etc. Are you availing yourself and your family of these proven do-it-yourself healthcare measures?Both Health Reimbursement and Health Savings Accounts Offer More Treatment Options and Lower CostsIf you can afford to enroll in a Health Savings Account and live with a $5000 deductible health insurance policy, this has many advantages, not the least of which is slashing the tribute you pay for unused medical care you will get through a standard health care policy. If you are in a high-risk profession where major injury is possible, then this may not work for you. For most people, however, it will.How about we boycott the pharmaceutical drug industry to the extent we can?Take a hard look at the prescription drugs you and your family take. How many are really necessary? In many cases, Big Pharma has just cooked up drugs that are letting you slide by without changing your unhealthy habits of eating, drinking, smoking, and not enough physical activity. They have dreamed up new “medical conditions” like GERD (gastric reflux) which in many cases is just caused by what used to be called indigestion — you ate a bunch of greasy, fatty food just before bed and, as your stomach churned and labored to digest this overly-rich mess, the stomach acid backed up your esophagus. Are you willing to stop eating like that, to save yourself money and be part of a movement to get the attention of the pharmaceutical industry?Are you willing to quit eating pepperoni pizza for a midnight snack? What ARE you willing to do to get your freedom back from the sickness-care and prepared food industries who are getting rich off a tag team attack on your health?In these hard times — and no, the downturn is far from over — wouldn’t it be smart to stop paying so much for fattening foods and the medical problems they cause?Go down the list of pharmaceuticals you take, read some books on the subject of legitimate alternative diet and health practices that would make these drugs unnecessary. Then, take personal action yourself to correct the problem. I must warn you, under threat of prosecution, that if your doctor has you on statin drugs or some other major medication, that you must get the help of another doctor to help wean you off them. Dr. Dean Ornish and Dr. Caldwell Esselstyn have some good books out that can give you solid proof that what I am saying is true and do-able.Dr. Esselstyn has a list of health care professionals on his Web site who can help transition you off many pharmaceutical meds. Another good source for this information is Dr. John McDougall — offered for free on his Web site.It can be done, the only question is whether the American consumer of so-called health care products and services will have the courage and gumption to do anything about it. The average American has a clear choice here: to continue their comfortable habits, even though they are growing slowly fatter and sicker, or to make a stand for freedom, when all the odds are stacked against them? It won’t be easy, but nothing feels as good as freedom and trouncing a bunch of rich fat-cats who have been ripping you off for years!Our politicians don’t care as much about our little votes as they desperately seek the huge campaign contributions of the Pharmaceutical and Health Insurance Industries. We have no power unless we learn — and we can learn — to live without most of these rip-off-priced health care services.It will take a consumer revolt — a Boycott — over a period of time, to get the attention of the industries that own the political power in the USA.All Big Pharma understands is the bottom line. If their sales in this country go down, they will be forced to listen and do something. (Have you read the list of side-effects? You are better off not consuming these pills anyway — there are legitimate doctors who can provide you with healthy alternatives.)What we need to do is make it clear that Big Health Insurance is next on our boycott listTo a great extent, what I am proposing is already taking place. Many people, like me (and perhaps you, too?) are offended by the high costs and narrow options for treatment our present medical/insurance system offers, so we’re not participating. The Obama administration has made some noises about making it compulsory that everyone — Everyone?! — pay into a health insurance system, except Senators and Congressmen and -women and, of course the President. We’ll see how that goes over.Most of the diseases that kill us and those that disable us are preventable. Our diet is the biggest source of our fatal diseases. We have been brainwashed since childhood to overlook this obvious culprit that causes us so much pain and frustration. It is up to us to start seeing the elephant in the room and retake our freedom and a large part of our personal budget back from the people who are profiting off our food-caused sickness.The only question is, ” How much abuse will Americans take at the hands of the overpriced Health Care Industry before we stop being played for suckers?”Stop begging the politicians for help and get healthy. It’s free! Show the Symptom-Relief industry you don’t need them any more!Then prices will come down as we negotiate from a position of power. Cut out the middlemen — the insurance industry — and pay cash for services you want. That’s how the consumer gets a bargain in any negotiation, not by asking the federal government to add a new layer of bureaucratic expense.

Posted in Uncategorized | Comments Off