Sandy Chin: Fluctuation of the Markets on December 2018

The stock market experiences many fluctuations from time to time. The American stock market is no exception. For instance, the American stock market suffered a massive plunge on 4th December 2018. It was then that most experts in the financial markets took to the media to explain the reasons for the sharp fall. One of the stock experts who gave out their opinions is Sandy Chin.

Sandy Chin’sAcademic Accolades and Educational Background

Sandy Chin enrolled for a degree in political science at Columbia University. However, she, later on, changed her mind and went over to the financial markets to start a career in finance. The reasons for the financial markets made her defy the law degree that she was initially pursuing. Later on, she learned a lot on matters relating to the financial markets at Donaldson, Lufkin & Jenrette (DL & J) under a mentor.

What Were Some of her Opinions Regarding Market Fluctuations?

The crash of the markets led to numerous speculations from different quarters in the United States. Sandy Chin was among some of the experts who joined the bandwagon to give their professional advice regarding the market crash. Indeed, it was a time when the American media was awash with advice and opinions from a plethora of individuals.

The first reason that was given by Sandy Chin to have contributed immensely towards the crash was the financial instability that rocked the world at that time. The uncertainty was as a result of the imbalance in trade that existed between China and the United States. Furthermore, it was also a time when the U.S was characterized by a murky political environment that impacted negatively on the markets.

Secondly, Sandy Chin also noted that another reason that might have led to the market crash was the economic instability that existed in the U.S at that particular time. There were different reactions given by people who had invested massively in the stock market — for instance, those who had invested for purposes of speculation sold most of their shares to avoid incurring further losses.

The Bottom Line

It is no doubt that the financial markets will always experience fluctuations. One of the ways through which the fluctuations may occur is through a sharp decline in stock prices over a short period. For that reason, financial experts such as Sandy Chin’s advice usually come in handy during such crises. Their information provides both traders and investors with the appropriate actions that they should take in the wake of such anomalies.

InnovaCare Health’s Leaders: Rick Shinto and Penelope Kokkinides

About InnovaCare Health

InnovaCare Health is a company that offers healthcare services through Medicare Advantage Programs and Provider Networks. The company is headquartered in Fort Lee, New Jersey. The mission of InnovaCare Health is to provide affordable and sustainable healthcare products to individuals across North America. InnovaCare Health offers services through two divisions that are Medicare Advantage Programs and Provider Networks. The company has two primary programs that include PMC Medicare Choice and MMM Healthcare. The company’s Medicare Advantage healthcare plan received the highest accreditation from the National Committee for Quality Assurance in 2011. At the time, it was the only product of its kind to receive this accreditation.

Penelope Kokkinides

Penelope Kokkinides is the chief administrative officer at InnovaCare Health. However, she previously served with the company as the chief operating officer. Ms. Kokkinides has more than two decades of experience designing and managing healthcare programs. She worked at Centerlight HealthCare as chief management officer who was responsible for the managed care division. She was also with Touchstone Health as the head of operations, and she was the corporate vice president of the care management and disease management division at AmeriChoice. When she was at AmeriChoice, she played an integral role in developing the company’s healthcare model.

Rick Shinto

Rick Shinto is the chief executive officer and president of InnovaCare Health. He was educated at the University of California at Irvine, which is where he obtained his bachelor’s of science degree. He obtained his medical degree at the State University at Stony Brook, and he received his M.B.A. from the University of Redlands.

Mr. Shinto was an internal medicine specialist and pulmonologist in Southern California. He then joined MedPartners as the vice president who was tasked with medical management. At Cal Optimal Health, he served as the senior medical officer. He also worked at Pathways Management as the operations manager and CMO. At North American Medical Management of California, he was the senior medical officer who was in charge of medical management. He worked at Aveta Inc. from 2008 to 2012. He was a member of the management team at this company but was later promoted to president. Mr. Shinto stayed with Aveta Inc. until the company was sold.

Mr. Shinto won the Access for Caring Award for his contributions to the healthcare industry. He was also named the Entrepreneur of the Year in 2012 and was a Top Minority Executive in 2018.

Malcolm CasSelle: Here’s What You Need TO Know About The CIO Of OPSkins

For the CIO of OPSkins, Malcolm CasSelle has believed in and supported blockchain technology and cryptocurrency. For CasSelle, his Worldwide Asset eXchange (WAX) platform WAX Tokens are an essential portion of this unique Worldwide Asset eXchange, because they utilize tokens that accept virtual goods. These special tokens are versatile because they can be used in video games as well as converted and swapped for Bitcoin and other cryptocurrencies.

One of the big reasons for WAX is that they provide a service to the 400 million or more players who are allowed to collect, purchase, and sell their items used in their games. When it comes to WAX, traders in virtual goods have two fewer issues to be concerned with — fragmentation and fraud. A widget is a key part of solving two main technological problems. The widget that is part of the WZX platform utilizes blockchain technology. Gamers on WAX will never have to click off a video game when the widget in use and players can buy and sell virtual goods in real-time.

The process of purchasing and selling these goods is a much more seamless process with the WAX widget. The WAX platform is also flexible because it allows the differentiation of many cryptocurrencies with no go-between. One of the issues with FOREX trading is that it has hampered the virtual good trading market. WAX is much more robust regarding transactions and blockchain technology. And WAX is much more secure than many other platforms, whether it deals with gaming or another business model.

WAX has DPOS, which is a consensus algorithm. This blockchain technology that is a critical element of WAX is unique because it is considered efficient, decentralized, flexible, and the fastest when it comes to these consensus-based models.

Malcolm CasSelle, who is the President of WAX, believes in the blockchain technology. CasSelle was also quoted as saying that video gamers can be the catalyst to make cryptocurrency a mainstream thing.

Mr. CasSelle was awarded a bachelor’s degree from MIT in 1991. And he also earned a Master’s degree from Stanford University in 1994 in Computer Science.

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Adam Milstein a Leader in Philanthropy

Adam Milstein is on the chairman of the board at the Israeli American Council in Los Angeles. The Israeli American Council is dedicated to securing the identity of Jewish and Israeli people. The organization believes in the development of the State of Israel and strengthening their role within the Jewish-American community. Milstein attended the Israel Institute of Technology and received his bachelor’s in business management. He also earned his master’s degree at the University of Southern California where he studied entrepreneurship.


In addition, Adam Milstein is a board member for the Israeli on Campus Coalition, Hasbara Fellowships and StandWithUs. The Israeli on Campus Coalition was formed in response to the anti-Israel incidents on colleges and campuses in the United States. They are focused on creating strong leadership on for Israeli students college campuses. The Hasbara Fellowships is a pro-Israel organization that allows students to travel to Israel during the summer. StandWithUs is committed to sharing Israel’s story with the international community.


Furthermore, Adam Milstein is a national council member of AIPAC the American Israel Public Affairs Committee and co-founder of Sifriyat Pjama B’America a literacy program that sends Hebrew books to children every month. Adam Milstein is the managing partner for Hager Pacific a real estate investment firm in Encino, CA, and the president of The Adam and Gila Milstein Family Foundation. This organization was created to teach young people about the relationship between the State of Israel and the Western world.



The Adam and Gila Milstein Family Foundation was founded in 2000 and is headquartered in Los Angeles. The foundation is led by Adam and Gila Milstein and is devoted to retaining Israeli and American ties for future generations. They also support other organizations that include the Jewish Awareness Movement an advocate for getting rid of anti-Semitism on campuses.


Additionally, they support the Jewish National Fund a nonprofit involved with securing the land of Israel and Santa Barbara Hillel is an independent organization that allows Israeli students to connect when abroad. The Milstein’s are loyal to the Jewish community and dedicated philanthropists. The causes they take part in not only enrich the lives of Jewish people but enhance the world.

Steve Ritchie Takes the Reins at Papa Johns

It is no secret that Papa Johns has been struggling through 2018. The pizza giant experienced plenty of negative publicity thanks to founder and previous CEO John Schnatter. The company’s namesake publicly proclaimed that the NFL was to blame for a dip in sales. Schnatter blamed the NFL’s ongoing dispute over players kneeling during the national anthem. Consumers reacted negatively to this childish finger pointing.

At this critical juncture, the public began to see cracks in the carefully crafted image Papa Johns had worked hard to create. The situation worsened when Schnatter used a derogatory racial slur during a conference call. A major change within the Papa Johns leadership came quickly after that event. Papa John was officially ousted from his company, removed from commercials, marketing materials, and the company’s public image. Schnatter hasn’t gone quietly, he still has fought for inclusion in the company he founded by himself but is no longer a part of Papa Johns.

Steve Ritchie, the current Papa Johns CEO and employee of 22 years, evaluated the situation and worked quickly to act. Ritchie posted a hasty apology on the company’s website. He later issued a more thoughtful, heartfelt apology to the public for what his predecessor had said and done.

The letter to consumers was empathetic, apologetic, and denounced racism as no part of their company. He then went on to explain how the company was actively working to repair the damage done and prepare to be a better company. Steve Ritchie also pointed out that Papa John’s employs 120,000 people nationwide. He said that they positively contribute to their local communities, work hard, and shouldn’t be punished for the views of only one person. Finally, Steve Ritchie Papa John’s declared their company’s accountability in the scandal and accepted future accountability for Papa John’s company culture.

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Guilherme Paulus Ultimate Brazil Travel Guide

Travelers always have the interest to find the detailed information about their destinations, where to stay and what to do whenever they go for a vacation. Travelers usually try to research from their friends, relatives, travel agents and concierges. However, the best thing is to ask those who have a clear vision and reliable information.

For the Brazil travelers, Guilherme Paulus is one of the most credible and reliable people that you should get in touch with for clear tour guide on your vacation to Brazil. Guilherme is also the man behind the establishment of GJP Hotel and Resort.

Guilherme Paulus is a great figure when in the Brazil travel and tourism. He is aware of what leisure and business travels are looking for when they are out of their home country. Guilherme Paulus is also the founder of the largest tour operators in Latin America known as CVC Tours. He has a vast experience in planning and organizing a trip which has turned into a form of art. Guilherme is among the best figures in the development of a Brazilian travel experience right from his initial stages in the tourism industry.

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Guilherme Paulus is passionate and highly active in tourism and travel. He has managed to establish an empire of over 3000 rooms across Brazil. Guilherme has also been thriving his mission by developing various hotels, and resorts in some beautiful and attractive places starting from the urban delights, Rio de Janeiro up to Foz de Iguacu impressive and amazing waterfalls all through to the areas of pristine beach of Natal and Porto de Galinhas. There are numerous options for all travelers visiting Brazil for a vacation at GJP Hotel and Resorts. This helps in the improvement of the uncompromise locations, accommodation, restaurants as well as personal services.

The empire that Guilherme Paulus developed featured three major brands. He brought about worry-free travel and tourism in Brazil since the beginning of his career. He has proven to be a real and true Brazilian travel insider. His impact can never forgotten. He has greatly improve the tourism department in Brazil.

Victoria Doramus’ Career in Digital and Print Media

Over a decade, Victoria Doramus has been working in the field of digital and print media. She is a graduate of the University of Colorado, BA in journalism. She has since worked with companies such as Creative Arts Agency, Stila Cosmetics, and MindShare. She gave attention to advertising and branding. Other times were utilized in TV and Film field, giving her a chance to grow in marketing and trend analysis.

Other than professional duties, Doramus is engaged in charity work as well. Among the charities she is dedicated to are; Best Friend and Animal Society and Amy Winehouse Foundation. She is dedicated to philanthropic work, exhibiting the desire to see others succeed the same way she has.

Work Experience

Victoria Doramus had all along exhibited distinct interest in the area of communication. She also has an interest in art and history; time was set aside for history and development of art from the period of ancient Greek to the current. Being a digital and print media expert, she also has an inclination towards creativeness. Clients have been satisfied with her work. She began working at Mindshare as an assistant media planner. In this position, her responsibility was to work with clients and vendors to bring forth branded content, establish and maintain relationships with media managers. Victoria also worked at Stilla Cosmetics where she had an opportunity to learn about campaign projects.

The consumer trends expert also faced a few challenges amidst gaining substantial experience. Her thorough background in the profession made it easier to combine new areas. She managed to increase sales, acquiring new businesses for Tendera files. She is the mind behind Tendera brand, supervised the workers to ensure the content was within the required standards.

Writing is what Victoria does without much effort yet is part of her career life. As a freelance writer and ghostwriter, she worked for Huffington Post, Cosmopolitan and USA today. She also participated in the writing of books such as “A Century Fashion” (Bloomsbury, 2012).

Personal challenge

You may be deceived by the many successes, that Victoria Doramus never had challenges. She had to fight through drug addiction for a long time but eventually overcame. She has authority to talk to those going through the same problems. Her experience through the process of recovery is the major drive towards helping affected people.

Future plans

Victoria Doramus believes that being industrious, being focused and staying humble is all you need. Her future plans entail establishing a halfway house in New York City for people fighting addiction.

Whitney Wolfe Created a Space for Women to Enjoy

When Whitney Wolfe first started working with dating apps, she knew there was something missing. The apps catered to men and that was something Wolfe was not interested in. As a woman, she saw the need for representation in the app dating world and that’s what made things important for her. She felt she had to make the best choices for the dating world and she also felt there were times where she would have to help other people with the issues they faced. If she was able to provide more positive opportunities for people in each of these situations, she would make the most out of the dating world. Whitney Wolfe knew women wanted more and wasn’t afraid to make that happen for everyone she worked with. She also felt there were ways she could continue giving people positive opportunities toward a better future. Read this article of Whitney Wolfe at Deadline

Based on the opportunities Whitney Wolfe came up with for women, she knew there were things that would make her own life easier. She also knew everything would change based on the work she put into the company. While Bumble continued growing, Whitney Wolfe felt she had a good idea of what she needed to do to make it better. It was her goal to give back to the company while also making sure she could show other people what they could get from different situations. Whitney always felt good about giving these opportunities to people who needed them.

Thanks to her hard work in the industry and elsewhere, Whitney Wolfe knew what she had to do to get things done the right way. She had a lot of faith for Bumble and put a lot of effort into it. When Wolfe had an idea, she always stuck to it so she could make sure she was getting a positive experience. She also felt there were things that would make a big difference for her if she had the ability to do things the right way. It was her goal of creating a positive environment that made things easier for her to develop the app for women.

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The Entrepreneurial Focus of Jason Hope

For years Jason Hope has been turning the mobile communications industry over on its head. His work with Jawa helped to put Jason Hope on the map and now he is looking to take that momentum and use it to fuel progress in another key field: medicine. Jason Hope took notice of the medicinal research facility known as the SENS Foundation and he decided to chip in toward their cause by donating$500,000 to the foundation. Why has Jason Hope focused on medicine? What else does Hope have in store for the future? Let’s take a moment to learn a little bit about one of the more exciting futurists in the entrepreneurial world. Jason Hope’s role as an entrepreneur has never been in question but his title as a futurist is something that he had to work hard in order to earn. Hope graduated from Arizona State University with an MBA in finance.

Immediately after graduation, he took to the tech world in order to get his start in the mobile communications industry, establishing Jawa. Jawa would give Hope the success he needed early on in order to branch out and start several important partnerships. Among those partnerships was that of the SENS Foundation.The SENS Foundation is a non-profit located on the West Coast that has been working day and night in order to address age-related illnesses. Dr. Aubrey De Grey is the lead researcher at the facility and one of the primary reasons that Hope got involved with the facility. Hope cites his partnership with Dr. De Grey as one of the most exciting aspects of his career and that surely led to his decision to donate to the cause.

Specifically, Jason Hope has taken an interest in helping to facilitate a way to prevent problems like Alzheimer’s or Parkinson’s. Hope says, “I feel that the future relies on disease prevention” and he goes on to point out how important technology is in that conversation. While many facilities are rightly searching for a cure, Hope believes that prevention is as important as any other aspect of eradicating these serious and deadly issues. Outside of medical research into biotechnology, Hope is also a devout believer of the Internet of Things. The Internet of Things, often shortened to just IoT, is an umbrella term that refers to the way that smart technology will interconnect in order to make our lives easier and more efficient than ever.

Luiz Carlos Trabuco Helps To Advance The Mission Of Bradesco Seguro

Luiz Carlos Trabuco is considered to be an embodiment of hard work and real financial prowess. In the financial industry, his aptness and hard work have led him to become a leader on issues related to financial management, and he has been put in charge of the most competitive banking institution, Bradesco.

The enterprise has been conducting commercial operations for more than seven decades now, and surprisingly, only four individuals have made it to the senior most position of leadership. The first person to take leadership in the company was Amador Aguiar and the financial skills that he displayed made the post of president to be associated with refined skills and best decision-making ability.

Luiz Carlos Trabuco has recently taken over the leadership of Bradesco, and many of those who work directly or indirectly with him can attest to the fact that he has been patient enough to learn. Once he acquired the right skill, he applied it in a more refined manner such that his decisions resulted in positive results.

Bradesco Seguro leads other financial organizations in the Brazilian economy, and it has assets that are valued at $ 900 million, and account holders who have saved more than $ 25 million. Luiz Carlo Trabuco traces his birthplace to Marilia, and his career is a reflection of the craft that is adopted by employees at Bradesco. His path to success is directly related to that of the previous leaders since it exhibits a steady upward trajectory throughout the time that he has been working at the organization.

Luiz Carlos Trabuco undertook his studies from the University of São Paulo where he obtained a degree in SocioPsychology. His career at the banking institution kicked off in 1969 when he was only 18 years. Four decades have passed since he joined the bank and now he is the president of the organization. In the course of time that he worked at the company, he ended up becoming seasoned in financial matters as he worked in different departments. His career started shinning in 1984 when he was appointed to be the overall departmental director.

After 14 years of holding onto the position, he was named to be the Managing Executive Director, and one year later, he was further appointed to be the Executive Vice President. In 2003, he was nominated and then appointed to the position of president. In the course of his tenure at the company, Bradesco Seguro managed to experience immense growth than ever before. Within six years after Luiz took over leadership of the company, its assets value doubled from $32 to $ 78 billion. Additionally, within the initial year of Luiz Carlos Trabuco’s leadership, the equity of the firm spiked by more than 7% from an initial 22%. Since then, it has never gone below 27%.

Lately, Itaú Unibanco has come out firmly, and it is the only institution that has managed to challenge the financial prowess of Bradesco Seguro. However, most financial experts such as Matias Jacinto view this as a short-term problem that will be reversed, and the latter will be able to reclaim its glory in the Brazilian Economy. Other positions of leadership that Luiz Carlos Trabuco holds include President of National Financial Marketing Commission, Anapp, and International Association of Economics Studies of Insurance.

Apart from offering banking services, Bradesco Seguro also provides clients with insurance services. Luiz has continuously been advancing the adoption insurance plans by institutions in Brazil as it is the only sure way of guarding assets against risk. According to Luiz, protection against loss is vital for enterprises as it secures the continuity of a business irrespective of the economic down-times that may be encountered.

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