Cruelty Free Makeup

Makeup is a thing of beauty, it can hide flaws that you are unsure about, it can show others your personality, and it can make anyone feel like a million dollars. There are some wonderful brands out there and one such brand is Lime Crime.
The popularity of cruelty free cosmetics has grown dramatically over the past few years and there are now more brands than ever that are adopting a cruelty free stance. Peta offers a listing of all brands that are cruelty free and Lime Crime is happy to be part of that listing. There are a few different things that you should know about cruelty free makeup that makes it unique and special.

For starters, all cruelty free products are not tested on
animals to see if they cause allergic reactions or other problems. Instead, these products are created from substances that are proven safe for human consumption and use. That means that most of the brands that are cruelty free use natural ingredients that are not going to cause major issue with your skin. These brands are going to provide customers with products that are gentle, easy to use, and safe to use so they do not need to be tested no animals. The ingredients in cruelty free makeup are going to be gentle because those formulating them already know how they interact with humans.

Lime Crime is a great, somewhat avante garde company that creates makeup that is not only cruelty free, but also super fun and hip. With things like funky colored lip glosses, true to color shadows, and great skin products you can be sure you are getting just what you pay for with this brand. They are also reasonably priced so anyone that is interested can certainly try out their products.

Lime Crime offers eyeshadows, glitter, liners, mascara, and so much more so you really can have a full face of great quality makeup without having to use products that are tested on animals. For those that are vegan this is also an interesting brand. Their products are created with absolutely no animal byproducts so they are fully vegan and wonderful for use.
Finding a great cruelty free brand does not have to be impossible. With the right research and the right brand in mind anyone can find products that are safe for human use and that are not tested on animals in any way, shape or form.

How to Choose the Right Investment Firm

Choosing an investment firm is a decision that will have long-term consequences on your financial health. Therefore, it is in the best interest of the investor to choose an investment firm that meets their needs and protects their financial interests. Here are three ways to choose the right investment company.

Know the Different Kinds of Investment Companies
Each type of investment company comes with advantages and disadvantages. For example, traditional brokerage companies, such as Fidelity or Schwab, are well-established, reputable companies that offer an extensive services through their brokerage affiliations. Their mass customized approach to investing typically meets the needs of the average retirement saver, but may not provide enough individual attention. On the other hand, local banks offer limited investment services. While they provide a personalized, hands-on approach to investing, they also lack product and service diversity. Insurance companies also offer investment options, but they tend to be the most expensive. Online investment companies, such as E-Trade, offer excellent DIY options for savvy investors that want affordable control and convenience. On Reuters they say that alternative investment companies, such as Brad Reifler’s Forefront Income Trust, provide rare opportunities for non-accredited individuals to invest in accredited accounts

Hidden Costs
It is important to understand the hidden fee structure of investment companies. Keep in mind that many investment companies present fees in percentage form, as opposed to annual dollar amounts. This practice can sometimes be deceiving because people naturally assume large dollar amounts are more than tiny percentages. The fees may not be itemized, but instead may be included in the expense ratio or commission category. Be sure to ask about all other possible fees. These include research, transfer, redemption, transaction and initial planning fees. In addition to this, ask about sales charges, custodial costs and front-end and back-end commissions. Ask your investment firm representative to explain and translate your prospectus so that you can understand the financial vernacular on your own.

Licenses and Certifications
The financial industry has different occupational titles that can be confusing or misleading. However, your target investment firm should have financial experts with the proper licensure for your specific needs. For instance, Investment Adviser Representatives (IARs) and Registered Investment Adviser (RIAs) are the premier choice. They are both regulated by the Securities and Exchange Commission (SEC). Certified Financial Planners (CFPs) are required to pass the Certified Financial Planner Board of Standards (CFP) exam and have relative job experience. A Certified Fund Specialist (CFS) is a CFP with additional training and certification regarding retirement investing and estate planning. Finally, Certified Public Accountants (CPAs) have general knowledge about a wide range of financial topics. Be sure to choose the right investment professional with the right licensure and certification for your specific financial needs.

Choosing the right investment firm will make a huge difference on your long-term investment success. To learn what you need to know before choosing an investment adviser, visit the U.S. Securities and Exchange Commission’s (SEC) website.

Alexei Beltyukov and His Accomplishments

Alexei Beltyukov is one of the most successful businessman and entrepreneurs in Russia. He has founded and run seven different companies, one of which is an Asset Management Company where he was supervising the investments worth over four hundred million dollars. In 2013, he started the company Endemic Capital to help fund start-up companies for other people in Russia. He is devoted and committed to assisting organizations help people who want to participate in the Business field, whether that is to go to business school or start their own business. He feels very passionate about people being successful and opening doors to help others, which is why he started A-Ventures Ltd. This company offers assistance to financially struggling companies within Russia get back on their feet. He also started a scholarship foundation called the Alumni Scholarship of INSEAD to help other Russians with financial support while attending INSEAD University. Alexei Beltyukov also works with the government in Russia to give guidance and help with his Skolkovo Foundation where he works as V. P. of the company. His foundation gives start-up companies that work in the technology field grants to get started and helps provide financial assistance all over Russia.

Alexei Beltyukov went to school and graduated with a Master’s Degree in Business Administration from INSEAD. In the early part of 2015, Mr. Beltyukov became the C.E.O. of Solvy which is an online educating program where they also designed the interactive educational software for that program. He is a big believer in continuing education and does whatever possible to open the doors of opportunity for everyone to be able to participate. Solvy was just chosen as “One of the World’s Most Promising Startups” and was also chosen as one of the “100 New Startups of Today.” is an online site that helps high school students with their math homework. The site offers a program for teachers to be able to create homework assignments within certain guidelines and design their own learning exercises. The program for requires that the students enter their answers and explain how they got those answers. They use situations based on real life and solving problems as the way to relate to and understand math. It allows for them to see problems from several different points of view. Working online also allows for communication between the student and the computer as well as instant responses on whether they got the answer correct or not. It will also give them ideas on how best to understand the problem. This way they can learn the correct answers as they go and will know how they are doing. The teachers get reports on how the students are doing which helps the teachers cut down on the time they spend grading homework and makes it easier for teachers to know if their students understand what they are being taught. Alexei Beltyukov is hoping their program will become one of the most used programs for educating people in mathematics. It is set up to help teachers to be able to track their student’s performance and progress as well as understand how they are developing. He also feels their program will help people learn and understand math better.

New Jersey Renting Benefits Are Staggering

The typical financial investor advises their clients to stop paying to rent an apartment and consider buying a home. They suggest that property ownership is worth its weight in gold. Buying property is a big financial investment. Purchasing a home is also a very risky investment that could lead to financial ruin, bankruptcy, and bad credit. Buying a home locks up your money. Therefore, there is less liquidity in your finances and less money to invest in other areas. Think about it for a moment. Is purchasing a home a financial risk that you could handle for the next few decades? Perhaps, apartment living in New Jersey makes life simpler and better. Read more here.

Apartment Living Top Benefits
Clearly, the benefits to apartment living in New Jersey are staggering. If most people took a few moments to really weight the advantages over the disadvantages their choice would be clear. The top benefits include the following:

  • Better Lifestyle – A home will tie you down and take up all your free time. Most of your free time is spent performing typical maintenance work and household repairs.
  • Less Financial Risk – A home imposes great financial risk. There is a mortgage to pay each month along with other fees. Those that lose their income, might lose their home.
  • Freedom – Don’t like the neighborhood? Pack up your things and move to a new area. A home ownership would make this impossible.
  • Cheaper – Apartment living is less expensive. For example, less monthly payments, less taxes, less insurance, less maintenance cost.
  • Less Work – A home requires constant upkeep and costly repairs that financially drain the owner.

Boraie Development LLC, A Leader In New Jersey Real Estate
The company is a leader in-the real estate industry and is responsible for a number of great and positive changes in the New Jersey real estate market. They are responsible for helping to improve and develop the real estate market in urban New Jersey. Their community efforts and development ideas have positively impacted New Brunswick, New Jersey and Newark, New Jersey. More Information Here.

James Dondero, a well respected man ahead of his time

James Dondero of nexpointadvisers is the co-founder and president of Highland Capital Management, L.P., founder and president of NexPoint Advisors, L.P. and chairman of NexBank, affiliated bank and majority owned by Mr. Dondero. Mr. Dondero has a strong educational background, as he graduated Beta Gamma Sigma graduate of the University of Virginia with concentrations in Accounting and Finance. The firm of Highland Capital Management is headquartered in Dallas, Texas and also holds offices in New York, Sao Paulo, Singapore, and Seoul.

James Dondero has the wisdom of over thirty years experience under his belt investing in equity markets and credit. He has led the way to innovate new credit asset classes utilized in the industry today. James Dondero’s tenacious business transactions have led Highland and its affiliates to currently command approximately $21 billion in assets as of March 31, 2015. He displays the education, business know how and capabilities of a competent leading global asset manager who is on the rise as one of the greatest marketing investors of our time.

The philosophy behind the business approach of Highland Capital management is truly unique. Their investment approach to date is to yield and produce consistent, above average returns by applying time-tested principles of investing, and maintaining conservative discipline around capital preservation. All the while targeting an appropriate risk or return of balance in their portfolios. The company is truly made up of experienced modern pioneers within their field. They maintain to manage a deeply disciplined sense of order, with the use of checks and balances that help mitigate any risks and mollify any volatility.

Highland Capital Management and James Dondero are well know for their tireless philanthropic efforts throughout the world and within their community. They have taken special care to focus their charitable efforts on programs concentrated on healthcare, education, and especially veteran’s initiatives. Since 2005, Highland Capital Management and their partners have committed more than $10 million to organizations including, uplift education, The American Heart Association, and Capital for Kids.

Highland Capital Management have consistently persevered to remain independent, employee-owned, with a tried and true “owner-operator” attitude. They continue to focus on their developed solutions for their investors, not products. And finally, they have remained an enthusiastic advocate that their investors can trust. Their strategies are time proven and at the helm is James Dondero, a well respected man ahead of his time with the experience of unrivaled affluent investment management. James Dondero is definitely on your side.

James David Dodero The Man Behind The Success of Highland Capital Management

James Dondero wears many hats for Highland Capital Management (HCM). Known as Jim by his coworker and friends, Dondero is not only the Co-Founder of HCM, he also resides as Chief Executive Officer, and Chairman of the Board. Other titles such as President, Managing Partner, and Portfolio Manger all give hints to the importance of Dondero to Highland Capital Management.

Dondero co-founded the privet equity business in 1993 and has since been managing Highland, as well as being responsible overseeing the companies strategic investment and operational initiatives.

Dondero skilled background includes extensive experience in credit markets, and managing mortgage-backed securities, investment grade corporations, leveraged bank loans, high-yield bonds, emerging market debt, derivatives, preferred stock, and common stock.

Highland offers management for a wide array of investments including:

• Hedge Funds
• Structured Investments
• Distressed Investment Funds

Highland investment strategies include:

• Investing in global public equity
• Fixed income and hedging markets with a focus on leveraged loans
• High Yield Bonds
• Structured products

Highland founded in 1993 is headquarters is in Dallas, Texas. The organization has since grown to house offices in New York City, London, and Singapore. In 2014 the organization reported managing a hefty 18.7 billion dollars in assets.

With strong affiliates like ACIS Capital Management, Nextpoint Advisors, Nextpoint Capital, Nextpoint Residential Trust, and Highland Brasil, Highland’s investment motto is experienced, disciplined, and bold.

Along with co-founder Mark Okada, Dondero has built Highland into one of the largest firms experienced in global alternative credit managing, with a diverse client base that includes public pension plans, foundations, endowments, corporations, financial institutions, fund of funds, government, and high net-worth individuals.

In 2015, the Dallas Business Journal honored Highland Capital Management and its affiliates “Highland” with an award for being the one of the best places to work among companies with between 40 and 249 employees in Dallas.

Highland is not only active in the Dallas community as a top ranked employer, Highland also acts as a generous charitable partner. Organizations such as, Education is freedom, The Dallas’ Mayors Intern Fellows Program, Reasoning Mind, and several other local community and national nonprofit organization all receive valuable resources form Highland.

It is not only revenue that is contributed by Highland. Highland is also known for contributing through volunteerism, and advisory board involvement.

Dondero sums up part of the companies successful strategy by saying, “cultivating the highest quality workforce and aligning interest with our clients have been our highest priorities since we moved to Dallas twenty years ago”.

The latest asset figures show that Highland has grown its managing assets to an incredible 22 billion dollars since their 2014 posting. This proves Highland Capital Management is poised to continue it success, with Dondero at the helm, well into the future.

Redefining Leadership: Brian Bonar

Brian Bonar is a well-known name in the field of finance. He is mostly known as the leader of Trucept. This successful finance executive has a broad leadership background by being the leader of different corporations such as Dalrada Financial Corporation, Smart-tek Automated Services, and Allegient Professional Business Services among others.

Background information
Brian is a professional engineer with a Bachelor’s Degree in Technical engineering from James Watt College. He later studied for his Master’s degree in mechanical Engineering at Stafford University. He also studied architectural design. Brian started his career in the business field by working as a procurement manager for IBM. He then joined QMS as director of engineering. After gaining experience in the industry, he started a company called Bezier Systems. Brian Bonar is quite the financial genius.

Brian Bonar continued working for other companies until he joined Dalrada Financial Services where his leadership skill was demonstrated by the immense success and growth of the company. He was Dalrada’s director from 1995 until he was promoted to the Chairperson of the Board in 1999. His area of specialty enabled him to combine the technical expertise of an engineer with the creative ability of an architect.

Leader of Trucept
Brian Bonar is the President, CEO, and Secretary of Trucept. This Company is a Professional Employer Organization that provides products and services to medium and large companies. The services include payroll management, which involves tax reporting, and payment of employees. The HR services involve maintenance of records, training, and employee education. The Company also offers Risk management services as a strategy to counteract future threats. Employee benefits involve worker recruitment. Trucept enables companies to focus on the aspect of the business while they handle the rest.

Over the years, Brian has developed his admirable reputation by achieving greatness as a leader. He inspires his clients, team members, and other partners through his keen attention to accomplishing set goals.

Passion drives perfection

If you’re into collecting art, the name Adam sender might not be so new to you. The contemporary art collector is a founder of the hedge fund Exis Capital Management. Sender began collecting contemporary art in 1998 with the aid of Todd Levin, an art advisor. Profits from the hedge fund business had given Sender the well-bedded foundation he needed to start up a valuable collection, he has well over 800 works from over 139 different well acknowledged. Artists
Some of his pieces include works by Urs Fischer, Martin Kippenberger, Mike Kelley, Elizabeth Peyton and John Baldessari just to name a few.In 2006, Adam Sender sold some of his valued pieces and managed to round of about 20 million dollars in cash. After closing his hedge fund, Adam sender has set up his home in a Miami private residential area as a contemporary art exhibition centre. Check out this article by ArtNews on Adam Sender.

The exhibition dubbed “Home Alone”, showcased Senders most priced pieces, he has acquired over the years. 70 of his valued pieces were shown off to friends and attendees to the exhibition. Sender also went the extra effort to make the pieces viewable online for art fanatics who could not attend. In may of 2014, Sender chose to part with some of his valuable pieces and estimated to have made well over 70 million dollars while auctioning them off.

Senders collection of contemporary art is both appealing to the eye while still maintaining a sexual appeal. He also boasts a wide array of works by acknowledged female artists including the best Cindy Sherman collection. Adam Sender has a natural gift for art and his tastes in contemporary art show just how passionate a collector he is. His collection features art pieces that have captured his heart as opposed to monetary value and he deeply cherishes his art.

Listen to Broda

An economist like Christian Broda is as close as the local economics professor at the local college. It is one of the most important classes in a person’s entire education, but still one of the most understated. Those that study the topic a little closer should be struck that ours is a system of scarcity. The repercussions of this type of system is that there will always be a bottom.

The system will provide a structure whereby people can through no fault of their own be placed in poverty to never ascend again. This fact alone means that the system is inherently not fair, and there is no incentive to correct it. It is protected by the ideal that people are successful because they work harder than everyone else. Actually, the system is run by those that have the information. There is a definite formula, but before the Web, it dwelled only in certain circles. Before anyone without the pertinent knowledge even knew, our economy was under attack by forces that the common individual still does not understand.

It would threaten the very heart of the American dream. Still today, these people sacked the economy and average Americans along with it, and nobody has criminally paid for it. However, in this same economy, people can be incarcerated and lose everything over non-violent minor crimes or tax offenses that occur due to simply misunderstanding the conflagrated system. I had no idea that there were economic issues brewing when I would approach mortgage companies about a home with A+ credit, and I was being told that I only qualified for sub-prime loans. This is the point that I delved deeper by contacting my economics professor from college to fill me in from the professional opinion of an economist. He saved me so much trouble in one talk than I could have done for myself throughout the whole process.

Because of him, I waited and bought the same home near the low point of the market at almost half price. It was an investment property that I have rented instead of selling and also because of the information that my economics professor gave me. He told me that rent prices would balloon, and they have to my great benefit. This dual function of being an economist and an investor was pioneered by New York economist Christian Broda. Broda also is an accomplished writer on topics just like these in the most credible publications in his business. It was authorities like Broda that were sounding the alarm and trying to save average Americans from the impending recession doom. It was because I understood that I needed an economist that I sought one. People have to delve deeper, it saved me.

The Successful Partnership Between Shaquille O’Neil and Boraie Development, LLC


According to, Shaquille O’Neal is planning to visit his native Newark at the end of August. The basketball legend shall be returning to co-host a tournament at the City Hall. The 3-on-3 tournament shall be held at the Broad Street. As published on, Shaquille will be teaming up with up Mayor Ras Baraka to guarantee the success of the August 22 “Believe in Newark” tournament. At the tournament, there shall be separate participation by high school boys and girls based on the flyers that were distributed by the City. Preliminary games would be played on Saturday and Sunday. The games shall be held at the JKF Recreation Center.
Throughout his career, the 7-foot-1 superstar has been going back to the city of his birth to play basketball. Through a partnership with Boraie Development,LLC, Shaq was able to open a Cityplex Movie theater. The theater was built at a cost of $ 7 million on the Springfield Avenue. The partnership saw the first high-rise buildings being built in the area for over fifty years.
For more information on the tournament and the apartment buildings, kindly visit
Boraie development, LLC has been involved in augmenting the creation of urban communities in New Jersey. The company has been in operation for over three decades. The corporation utilizes its urban strategy that focuses largely on making investments in urban neighborhoods. The firm has been quite instrumental in developing commercial buildings, mixed-use properties, and retail entities. In addition, the organization is involved in construction of residential properties. Besides constructing apartments, the entity focuses on provision of property management services like leasing services, maintenance and accounting expertise.
Boraie Development, LLC has been taking the lead role in enhancing the beauty and sanity of the City of New Brunswick. The entity has entered into partnership with the basketball legend, Shaquille O’Neal with the view to developing commercial and residential properties in Newark and other cities around New Jersey. In 2012, a renovation project that was valued at $10 million was made possible through the partnership with O’Neal. The firm has entered into a massive investment exercise where they are planning to develop a $60 million rental complex. When completed, the project will be one of the first new towers in Newark for over a half a century. Shaq has partnered with the firm and together, they have been involved in development of a retail entity at the famous Atlantic City and a market-rate housing apartment in Newark.