COVID Investing – Adding on The Down

Volatile market environments can create opportunities to ADD ON THE DOWN.

There is little downside risk and so much more upside potential to adding on the down.”

— Whitney Erin Johnson

SILICON VALLEY, CA, USA, November 23, 2020 / — One of the hallmarks of the stock market is its volatility, at times more volatile than others. Nonetheless, the markets inherent nature is to rise and fall. The current COVID environment has produced its fair share of volatility and that has created an equal amount of opportunities to ADD ON THE DOWN.

Euphoria, prosperity, wealth, success are just a few ways we can describe the feelings experienced with a market that is trending up. Contrasting, in a falling market one would expect diametric feelings; depression, poor, lack, failure. If you are new to investing or would consider yourself a novice, these are likely the experiences you have had. From these experiences many shy away from the market for the simple reason they cannot or don’t want to experience the pendulum of feelings that come with market volatility. For that one reason alone, many simply throw in the towel and lose out on one of the most prosperous wealth building avenues available.

A look back at the COVID downturn in March 2020 reveals a fantastic example of an opportunity to facilitate an expedited wealth building avenue. A 12-year bull run came to a sudden halt in March 2020 with the market falling over 30%. Despite the panic on Wall Street, this created a great entry point for adding to existing positions or establishing new ones in companies on a ‘wish list’. The entry point into an investment is important and more so if you are a short-term investor. Long term investors are afforded a more ‘loose’ expectation of an entry point in that over a 30 or 40 year timeframe the odds of a particular equity trending down or sideways is less likely. However, if one’s entry point was on or just before March 2020, there was likely short-term heart-ache experienced. For some institutions, and especially for those who were waiting for a pullback as an opportunity, it was one for the books.

A new position in Home Depot (HD) on March 11, 2020 at would have yielded a 35% increase in today’s market. In that same time frame, a new position in Costco (COST) would have yielded a 26% increase. These are not recommendations of companies to own or invest in, simply two of many examples that could be cited, simply to demonstrate the return that could be captured when adding on the down.

Ideally if the downturn had been anticipated one would have raised cash as a ‘risk-off’ strategy in preparation for the downturn. With cash sitting on the sidelines, the sell-off that started in March 2020 was an ideal opportunity and re-entry point for some select equities. In the weeks that followed, the market began to recover and just like that, the re-entry yielded its payoff nicely. Now, not all such sell-offs create this same perfect scenario. What if the market continued to fall once the re-entry was made? This would suggest that a dollar-cost-averaging strategy may want to be instituted.

Dollar-Cost Averaging is a strategy that allows an investor to buy the same dollar amount of an investment on regular intervals. The purchases occur regardless of the asset's price. In layman’s terms, one would continue to add to a position at regular periodic intervals (whether the value of the stock has increased OR decreased) thus averaging out the cost basis of the position.

There is always risk in investing, however strategies such as these are ways to reduce risk and increase potential upside. The real long-term risk of adding on the down is if shares continue to be purchased in a company that is failing. Historical examples of stated risk in such equities as Sears or Enron for example. These are two examples of falling knives that one just would not want to try to catch. Although less frequent, this ‘catch a falling knife’ scenario is a risk of being invested in individual equities.

In summation, there is little downside risk and so much more upside potential to adding on the down, this is a strategy which should be utilized more often than it is. Unless one has a crystal ball and can predict the markets, it is difficult to know when to make an entry point in a falling market. For institutional investors, this is likely one of the many services you are paying your financial advisor to do for you. Now, if you have a ‘passive’ portfolio manager, it is unlikely they will be making many if any adjustments to your portfolio, as most passive managers will tell you they’re riding it out. Riding it out is great for the investments already in place, but are they going to buy on any pull-backs? If the answer is ‘no’ you may want to think twice about the management fee you are paying them. Conversely, an ‘active’ portfolio manager will be all over the pull-back looking for the best entry point. There is never any guarantee that the re-entry will be a perfectly timed one, however, adding to any position while it’s value is lower than it was is generally a favorable trade (unless of course the position being added to was Sears, GE or any like kind equity which has fallen out of favor or filed bankruptcy).

Whitney Erin Johnson
Baseline Investments
+1 650-656-5467
email us here

Source: EIN Presswire

Top Delaware Family Lawyer Joins WhitbeckBennett’s Growing Practice

To learn more about WhitbeckBennett, please visit

Kathryn Laffy to Lead Delaware Practice with a focus on Family Court, and is a trained Family Law Mediator and Parenting Coordinator.

Kathy is among the most highly regarded lawyers in the state and an excellent advocate for her family law clients.”

— John Whitbeck, Managing Partner, WhitbeckBennett

WILMINGTON, DE, UNITED STATES, November 23, 2020 / — WhitbeckBennett, a national family law firm specializing in family, special education, and mental health law, announced that Kathryn Laffy has joined the firm as a Managing Partner and will lead the Delaware Practice. Ms. Laffy will advise clients specializing in all areas of Family Court practice: divorce, custody and visitation, adoption, guardianship, termination of parental rights, support, protection from abuse; Trained Family Law Mediator and Parenting Coordinator. Before joining the firm, Ms. Laffy operated her law practice, Kelleher & Laffy, for close to 35 years. She has been voted by her peers as one of top five attorneys in Delaware in Family Law and Divorce.

“I can’t think of a better way to start our Delaware practice than to join forces with Kathy. She is among the most highly regarded lawyers in the state and an excellent advocate for her family law clients,” stated John Whitbeck, Managing Partner at WhitbeckBennett. “It’s an honor to have her part of the team.”

Ms. Laffey was a Family Court law clerk from August 1982 until November 1983. She has been in private practice, working almost exclusively in the domestic relations field, since December 1983. Ms. Laffey has also been active in the Delaware State Bar Association on many committees and served as Chairman of the Family Law Section and Vice-Chair of the Alternate Dispute Resolution Section. On many occasions, she has spoken on Family Law issues at the DSBA Family Law Fundamentals and annual Family Law Update seminars.

Kathryn was appointed by Governor Carper to the Delaware Commission for Women in 1995 and served as Chair of the Commission from January 1998 to March 2002. Ms. Laffey was one of the first attorneys mediating divorce and custody matters in the State of Delaware since receiving training in 1992 and is the Director of Family Mediation Services, an alternative to the adversarial divorce court system. She has been a member of the Academy of Family Mediators, which merged with other national conflict resolution organizations, and is now known as the Association for Conflict Resolution.

“Heading down the final stretch of my 38 year Family Law career, most in a small or solo firm, I am thrilled to join the firm of WhitbeckBennett," stated Ms. Laffy. “The WB team will support me with up-to-date technology and administrative services and allow me to focus on our commitment to provide the highest level of service to our clients who are often going through the most difficult times in their lives.”

Kathryn received her JD from the Notre Dame Law School and her BSW from Longwood University. Kathryn is admitted to the Delaware Supreme Court, US District Court of Delaware, and the Third Circuit Court of Appeals. Ms. Laffy accepts cases throughout Delaware.

About WhitbeckBennett
WhitbeckBennett is a leading, full-service national law firm with a strong focus on family law, mental health law, and special education law with offices in Leesburg, Richmond, Tysons, VA; Rockville, MD; Washington, DC, and Wilmington, DE. WhitbeckBennett provides legal services to families and individuals, helping them get the best result possible through experience and compassion. For additional information, please visit:

Rusty Foster
Bow Tie Strategies
+1 703-646-1282
Visit us on social media:

Source: EIN Presswire

Global Smart Healthcare Market 2020 Industry Analysis, Share, Growth, Sales, Trends, Supply, Forecast 2027 adds “Global Smart Healthcare Market Research Report 2020 Analysis and Forecast 2027” reports to its database.

PUNE, MAHARASTRA, INDIA, November 23, 2020 / — Smart Healthcare Market:

Executive Summary

Global Smart Healthcare Market is valued approximately at USD 144 billion in 2019 and is anticipated to grow with a healthy growth rate of more than 16.2% over the forecast period 2020-2027. Smart Healthcare is referred as the integration of advanced technology in conventional healthcare services, which in turn alters it into smart healthcare. Smart healthcare products improve the quality of healthcare services and enhance the user’s experience. Smart syringes, smart pills, electronic healthcare etc. are some of the most ordinary type of the smart health care products. These products offer reliable and precise data regarding the patients and often help the clinicians to take care of their patients better. Also, it helps in remote-monitoring of patient’s health conditions and is also effective in minimizing the cost of the treatment for the user, which may drive the market growth across the globe. Moreover, the rise in prevalence of chronic disorder such as cancer, heart diseases, diabetes etc., growing adoption of mHealth solutions, and favorable government initiatives to digitalize healthcare industry are the few factors responsible for the impressive CAGR of the market during the forecast period. According to the World Health Organization (WHO), Cardiovascular diseases (CVDs) are the leading cause of mortality and morbidity around the world, taking an almost 17.9 million lives of people every year. While as per the American Heart Association, around 17.6 million deaths were registered due to CVD in the year 2016 and is likely to grow almost 23.6 million by the year 2030. This, in turn, is likely to strengthen the demand for smart healthcare products, thereby contributing to the market growth around the world. However, the high investment and maintenance cost of the product coupled with dearth of skilled and trained professionals are the few factors restraining the market growth over the forecast period of 2020-2027.

Get Sample Copy of the Report @

The regional analysis of the global Smart Healthcare market is considered for the key regions such as Asia Pacific, North America, Europe, Latin America, and Rest of the World. North America is the leading/significant region across the world in terms of market share owing to the rising government support to adopt smart healthcare products, along with the presence of significant number of manufacturers in the region. Whereas Asia-Pacific is anticipated to exhibit the highest growth rate / CAGR over the forecast period 2020-2027. Factors such as the growing prevalence of chronic diseases due to rising aging population along with surge in digitalization in healthcare industry across the developing nations, such as China and India, are the few factors creating a lucrative opportunity for the growth of the Smart Healthcare market in the Asia-Pacific region.

Major market player included in this report are:
International Business Machines Corp.
Cisco Systems, Inc.
Given Imaging Ltd.
Olympus Corporation
Brooks Automation
Stanley InnerSpace
GE Healthcare
Solstice Medical, LLC
Allscripts Healthcare Solutions, Inc.
Siemens Healthineers AG

The objective of the study is to define market sizes of different segments & countries in recent years and to forecast the values to the coming eight years. The report is designed to incorporate both qualitative and quantitative aspects of the industry within each of the regions and countries involved in the study. Furthermore, the report also caters the detailed information about the crucial aspects such as driving factors & challenges which will define the future growth of the market. Additionally, the report shall also incorporate available opportunities in micro markets for stakeholders to invest along with the detailed analysis of competitive landscape and product offerings of key players. The detailed segments and sub-segment of the market are explained below:

By Product:
RFID KanBan Systems
RFID Smart Cabinets
Electronic Health Records
Smart Pills
Smart Syringes

By Region:
North America

Asia Pacific
South Korea
Latin America
Rest of the World

Furthermore, years considered for the study are as follows:

Historical year – 2017, 2018
Base year – 2019
Forecast period – 2020 to 2027

Target Audience of the Global Smart Healthcare Market in Market Study:

Key Consulting Companies & Advisors
Large, medium-sized, and small enterprises
Venture capitalists
Value-Added Resellers (VARs)
Third-party knowledge providers
Investment bankers


For further information on this report, visit –

NOTE : Our team is studying Covid19 and its impact on various industry verticals and wherever required we will be considering covid19 footprints for a better analysis of markets and industries. Cordially get in touch for more details.

Wise Guy Reports
+162 825 80070
email us here

Source: EIN Presswire

Boxabl Brings Building Construction Into The 21st Century—And It Comes In A Box

Standardized Building System 1

Boxabl Casita

ADU Industry-Leader Announces Regulation D Offering To Accredited Investors

LAS VEGAS, NEVADA, UNITED STATES, November 23, 2020 / — Boxabl Brings Building Construction Into The 21st Century—And It Comes In A Box

ADU Industry-Leader Announces Regulation D Offering To Accredited Investors

November 23, 2020 — Boxabl, a frontier manufacturing technology company that has created the world’s only home building system compatible with scalable factory production, has announced a $50M Regulation D offering to accredited investors. The offer comes in the form of a Convertible note that converts to equity at 25% discount with10% interest. It will convert upon the event an IPO or qualified offering under Regulation A of the Securities Act. Boxabl is extending this offering exclusively to accredited investors.

Affordable housing is on the brink of extinction. The massively outdated, trillion dollar building construction industry is overdue for disruption, as the share of rent-burdened households—those spending 50% or more of monthly income on rent—is reaching obscene heights and rising.

Accessory Dwelling Units have been one such source of disruption, popularized recently by complementary changes in legislation and the new pressures of the unprecedented COVID-19 pandemic. The effects of the pandemic have been two-fold: more home-owners face economic insecurity, and more people want flexible living quarters—to earn extra rental income, to enjoy a separate workspace, or to offer separate housing quarters to an aging loved one or early-career adult child.

Revolutionizing the ADU movement is Boxabl, the first company of its kind to engineer scalable, precision factory technology to build better homes in half the time and for half the cost of traditional construction. “If we start building houses the way we build everything else,” says Paolo Tiramani, CEO of Boxabl, “we would, without exaggeration, improve the quality of life for billions of people.” In fact, the Boxabl Casita recently caught the attention of Ben Carson, the Secretary of Housing and Urban Development.

For Boxabl, improvements to quality of life are already underway, having generated $1 billion worth of reservations on their unit, the Casita, through 20,000 potential customers in the year following the unit’s announcement. In addition, two purchase orders for the delivery of 156 Casita units to the United States Federal Government have totaled $9M in revenue. Expectations of sizable subsequent contracts upon delivery loom large.

The Casita unit flaunts industry-leading luxury; a full-amenity studio set up that offers storm, water, and wind resistance for only $50,000. But Boxabl’s innovation far exceeds unit design. Their system, protected by 14+ patent filings with more on the way, employs groundbreaking foldable technology, dramatically lowering shipping costs and allowing user-directed, on-site configuration. Boxabl units can be combined, stacked, and connected to create any building style—residential, commercial, high rise, multifamily, apartment, disaster relief and recovery housing, and more.

In collaboration with Porsche Consulting Inc., Boxabl has designed and implemented their new flagship factory in Las Vegas—a 150,000 square foot space which will enable us to produce up to 5,000 Casita units per year. On the company’s horizon is a factory franchise business model, achieving international expansion through partnering franchisees. “Our goal is to establish a factory in every country,” says Tiramani. “We’ve engineered a product fit for any climate on the planet.” Already, 100+ potential partners across almost every major country have expressed interest.

Boxabl’s Regulation D offer is an invitation to accredited investors to take part in what is positioned to be a historic industry shift. If Boxabl issues equity securities in a registered offering, or an offering qualified under Regulation A of the Securities Act of 1993, the purchaser’s Notes will automatically convert to qualified financing at a price equal to 75% of the per share price. “Boxabl began with one goal: to offer home owners a better option,” says Tiramani. “We look forward to continuing our mission in good company.”

About Boxabl

Boxabl is a construction technology company that’s bringing building construction in line with modern manufacturing processes. Founded in 2017 by Paolo and Galiano Tiramani, Boxabl uses the best-in-industry, automobile-style manufacturing to make better homes, faster, for a fraction of the cost. Boxabl creates deployable, luxury room modules that can be delivered to your backyard in a box and installed in under an hour. The Boxabl team continues to pursue their core mission of making affordable, inspirational housing accessible on a worldwide scale.



Susan Mackasey
Beacon Marketing
+1 514-518-4328
email us here

Source: EIN Presswire

Summit to Evolve Beyond Animal Agriculture Attracts Thousands of Viewers

Cows are raised to be slaughtered. A growing number of ranchers do not want to see them killed.

Cows are raised to be slaughtered. A growing number of ranchers do not want to see them killed.

Plant-based leaders joined ranchers and farmers to discuss evolving beyond animal agriculture.

Summit brought plant-based business leaders, filmmakers and farmed animal sanctuary leaders into conversation with ranchers who wish to exit animal agriculture.

Vegans and farmers have finally found common ground on which they can agree. They are both against the mechanized exploitation that agribusiness has become.”

— Renee King-Sonnen, Rowdy Girl Sanctuary


More than 15,000 people viewed the virtual summit on Facebook and others attended via zoom as ranchers who are exiting animal agriculture discussed alternatives with leaders in the plant-based movement. Click here to view the summit in its entirety.

The coronavirus pandemic is highlighting the growing problems with today’s animal agriculture system: slaughterhouses becoming COVID-19 hotbeds, workers infected, the mass animal killing system backed up, farmers told to “depopulate” the animals they raised. This tragedy comes at a time when mainstream media is beginning to address the devastating impact of animal agriculture on climate change, habitat destruction, wildlife extinction, human hunger and diet related human disease. Many have begun to seriously consider alternatives to animal agriculture. But, what can farmers and ranchers produce, instead, to survive and thrive on their land?


To answer that question, Rowdy Girl Sanctuary in Texas hosted this summit through its Rancher Advocacy Program in conjunction with the JaneUnChained News Network. It featured leading names in the plant-based movement: Miyoko Schinner of Miyoko’s famed vegan cheese and butter line, filmmaker Kip Andersen of Cowspiracy and What the Health, Mercy for Animals President Leah Garces, Urban Veganic Farmer Eugene Cooke of Grow Where You Are, Dr Sailesh Rao of Climate Healers, Kim Sturla of Animal Place, Robert Grillo of Free from Harm, Rowdy Girl's Renee King-Sonnen and Tommy Sonnen, founder and journalist Jane Velez-Mitchell and two ranching families transitioning to a non-animal model.

There are many challenges: tradition, family, community pressures, onerous contracts with giant meat corporations, debt, and infrastructure.

Mushrooms, hemp, solar, bamboo, veganic dirt, micronutrients: there are many possible alternative products and income streams. The summit traded ideas on what might work in different regions, types of land and facilities. Many ideas rose to the surface. Here are two that generated a lot of discussion during the summit.

Also known as Climate Bonds, Green Bonds raise funds for new products that will deliver environmental benefits and create a more sustainable economy. It’s a fixed-income instrument specifically earmarked to raise money for specific projects, like sustainable agriculture. Green bonds are typically asset-backed and come with tax incentives to encourage investment. Huge companies are now under pressure to invest in Green Bonds. If a collection of farms could band together to offer their land as collateral in return for wiping out their debt and having them agree to become part of a systematic and professionally overseen transition to plant-based agriculture, this could be a win win.

One of the key complaints farmers have is that their situation is unique in terms of geography, soil, weather, etc. However, each farmer should not have to reinvent the wheel. Farmers in the same region share geography, weather and even soil conditions. Regional cooperatives, where groups of farmers join forces to transition to one particular product or one selection of products, could allow for cost savings in transition and economies of scale. It would also open up markets, facilitating possible contracts with plant-based companies who need specific ingredients. The cooperatives would seek to create infrastructure and coordinate with buyers.

This summit was just the start. Another one is planned for Saturday, February 6th at 10am Pacific, noon Central, 1pm Eastern. Mark your calendars and visit to sign up! Rowdy Girl Sanctuary in Texas hosted this summit through its Rancher Advocacy Program in conjunction with the JaneUnChained News Network.

Lead sponsors include: Miyoko’s Creamery, Mercy for Animals, VegFund, V-Dog, Free from Harm, JaneUnChained News Network, It’s Jerky Y’All and VegWorld Magazine

interviews available upon request
Lezli Luneckas Broomhall
Luneckas Consulting

Jane Velez-Mitchell
JaneUnChained News
+1 3102106696
email us here
Visit us on social media:

Source: EIN Presswire

Investors Bank Opens Williamsburg Branch and Brings New Way of Personal and Business Banking to Brooklyn

Photo show the entrance to the modern, open-environment interior of the new bank's new Williamsburg branch

Investors Bank’s new Williamsburg branch at 236 Broadway features an “open environment” interior. Located near the Marcy Avenue subway station, in the branch’s universal bankers meet with their clients in a banking pod areas..

A banker holds a tablet computer and uses a stylus to enter data into the unit.

Investors Bank’s Hakki Hacikadiroglu, a universal banker, demonstrates the advanced tablet PC that is used to serve clients at the new Williamsburg branch in Brooklyn.

Photo shows the all-glass exterior of the Investors Bank's branch in Williamsburg, Brooklyn

The exterior of Investors’ Williamsburg branch, which is the company’s 20th retail banking center in Brooklyn. The bank has formed alliances with local businesses, families, neighborhoods, schools, hospitals and many nonprofits while serving the borough.

Branch Forms Alliances with Two Neighborhood Nonprofits –
Our Lady of Mount Carmel-Annunciation Church and Satmar Bikur Cholim

We invite you to come visit our team in Williamsburg, and I’m sure you’ll realize that Investors is the right bank for you personally or for your business.”

— Investors Bank Chairman & CEO Kevin Cummings

BROOKLYN, NEW YORK , UNITED STATES OF AMERICA, November 23, 2020 / — Investors Bank opened its Williamsburg branch to introduce the community to a new way of doing their personal and business banking. The Williamsburg branch, Investors’ 20th branch in Brooklyn, is located at 236 Broadway near the Marcy Avenue subway station.

Clients who open an Investors YourStyle® Plus Checking account at the Williamsburg branch may earn up to $350, and access such premium features as mobile phone protection, credit monitoring, identify theft protection. and mobile couponing. For full account benefits and requirements refer to the Guide To Benefits.

Investors is a full-service commercial bank that grows deep roots in the communities it serves. The Williamsburg branch has already formed alliances with the historic Our Lady of Mount Carmel-Annunciation Church and Satmar Bikur Cholim, a local nonprofit that has served the Jewish community since the early 1950s. When a client opens a deposit account at the Williamsburg branch, Investors will donate $25 to one of the two organizations on the customer’s behalf.

The Williamsburg branch features an open-office design with convenient banking pods instead of a traditional teller platform and private offices. The branch’s universal bankers use PC tablets to quickly complete a wide range of transactions from simple to more complex for both consumers and businesses. Universal bankers also provide local companies with Investors’ banking products that include business checking accounts, online and mobile banking, treasury management services, fraud prevention, lines of credit, and term loans.

The branch team can assist clients with getting started on Investors’ robust online and mobile banking products. The mobile banking app gives consumers the flexibility to conveniently view their transactions, pay bills, transfer funds, deposits checks, and much more. Customers can also find out how to use Mobile Wallet, send money using Zelle®, and earn uChoose Rewards. The branch is also supported by a team of specialists in mortgages and wealth management, as well as business banking.

In announcing the branch opening, Investors Bank CEO Kevin Cummings said, “We’re bringing a new banking experience to Williamsburg that combines one-on-one client relationships with businesses and consumers with our innovative, mobile and online banking capabilities. Our new branch meets the needs of the many generations of people who live and work in the neighborhood. We invite you to come visit our team, and I’m sure you’ll realize that Investors is the right bank for you personally or for your business.”

Mr. Cummings explained that like every Investors’ branch, the team in Williamsburg has implemented safety guidelines to mitigate the spread of COVID-19, and the bank is following CDC guidance as well as state and local regulations. Customers and employees are required to wear masks inside the branch. Scheduling an appointment before going to the branch is always recommended.

The Williamsburg location is Investors’ 49th branch in New York City and on Long Island. The branch hours are from 9 am to 5 pm, Monday through Wednesday and Friday; on Thursday from 9 am to 6 pm and on Saturday from 9 am to 1 pm. The branch’s ATM is available 24/7, and there is a night depository.

For more details about the Williamsburg branch, contact Investors' Vice President and Retail District Manager Roni Shoyfer at 212-401-0725.

About Our Lady of Mount Carmel-Annunciation Church

The historic Mount Carmel-Annunciation Church, located at 259 North Fifth Street, has served the Williamsburg community for more than 130 years. Rev. Msgr. Jamie J. Gigantiello is the pastor of the congregation, which provides a wide range of key services to residents of the local neighborhood and families across Brooklyn.

About Satmar Bikur Cholim

Satmar Bikur Cholim’s top priority is helping families that are struggling to care for a sick family member, especially when the caregiver is spending long periods of time away from home at a healthcare facility. Satmar Bikur Cholim is located at 545 Bedford Avenue in Williamsburg.

About Investors Bank

Investors Bank, headquartered in Short Hills, New Jersey, is a full-service commercial bank that has been serving customers since 1926. With more than $26 billion in assets and a network of over150 retail branches, Investors Bank delivers personalized services and products tailored to the needs of its customers. Investors Bank’s banking services include complete deposit, loan and treasury management products for consumers and businesses. In 2020, Newsweek named Investors Bank the “Best Big Bank in New Jersey.” Investors Bank: Member FDIC and Equal Housing Lender.

Bob Rinklin
Essential Public Relations
+1 973-509-3431

Source: EIN Presswire

Downers Grove Ford Dealer Offers Industry-Leading Warranty Plans

Packey Webb Ford, a Ford dealership serving Downers Grove and the surrounding areas.

DOWNERS GROVE , IL, USA, November 23, 2020 / — Downers Grove Ford Dealer Offers Industry-Leading Warranty Plans

Packey Webb Ford, a Ford dealership serving Downers Grove and the surrounding areas, highlighted their comprehensive New Car Powertrain Warranty and the Used Car Lifetime Limited Warranty, both offering extensive coverage as long as drivers own their vehicle.

Many drivers throughout Downers Grove, Glen Ellyn, Wheaton, Lisle, and Naperville choose Packey Webb Ford for their extensive inventory of new and used cars, trucks, and SUVs with competitive finance specials and comprehensive warranty coverage.

The dealership offers a Lifetime Powertrain Warranty Coverage on top of Ford’s factory warranty to help customers drive with confidence. The Packey Webb New Car Lifetime Powertrain Warranty provides engine, transmission, and drivetrain assembly breakdown coverage that begins on the date of purchase. This warranty excludes diesel and commercial vehicles.

Extensive Powertrain Warranty Coverage

The Lifetime Powertrain Warranty for new vehicles covers the following:

● Cylinder block
● Cylinder head(s)
● EGR valve
● Engine mounts
● Exhaust manifolds(s)
● Flywheel or flexplate
● Harmonic balancer
● Intake manifold
● Intercooler
● Oil pan
● Oil pump
● Ring gear
● Rotor housings and internal parts
● Timing chain(s) or belt(s)
● Timing chain(s) or belt tensioner(s) and timing chain or belt cover
● Timing gears
● Turbocharger or supercharger hosing(s) and internal parts
● Vacuum pump
● Valve cover(s)
● Waste gate

● Cooler and metal cooler lines
● Manual clutch assembly slave cylinder and master cylinder
● Torque converter
● Transaxle case
● Transfer case and internal parts
● Transmission case
● Transmission mounts
● Vacuum modulator

● 4×4 locking hub
● Axle shafts and bearings
● Center bearings and drive shaft yokes
● Control processor and sensors
● Drive shaft(s)
● Final drive and axle housing(s) and internal parts
● Four-wheel drive engagement actuator/motor
● Front-wheel and rear-wheel drive

Pre-Owned Warranty Coverage Options

Packey Webb Ford also offers a Used Car Lifetime Limited Warranty that provides engine, transmission, and drivetrain assembly breakdown coverage. This coverage starts on the date of purchase and is available for vehicles 5 model years back or newer with less than 80,000 miles. German model vehicles are excluded.

Drivers in the market for a new or used Ford vehicle should see the dealer for details on warranty coverage. Customers can now shop around online and purchase their vehicles remotely.

Contact Packey Webb Ford

Maggie Webb


About Packey Webb Ford

Packey Webb Ford is a family-owned dealership in Downers Grove, Illinois just 30 minutes outside of Chicago near Aurora, Naperville, and Lisle. The Ford dealership has served the area with award-winning service since 1962 and offers an extensive inventory of the latest Ford models as well as affordable pre-owned options. Packey Webb stocks over 600 new and used vehicles on-site to help drivers find the perfect vehicle for their needs. The dealership also offers a convenient Click to Buy feature to help buyers shop remotely and complete the purchase online instead of coming into the dealership. Beyond providing comprehensive warranty options for both new and used vehicles, Packey Webb Ford also offers finance incentives, top-notch service, a selection of quality Ford parts, and more.

Maggie Webb
Packey Webb Ford
+1 866-496-6602
email us here
Visit us on social media:

Source: EIN Presswire

Equita Financial Network Announces New Member Firm Next Step Financial, LLC to the Platform

Kim Spencer of Next Step Financial joins Equita Financial Network community

Equita, a nationwide community of independent, women-led financial planning firms, has another new Member Firm, Next Step Financial, LLC.

FORT WASHINGTON, PA, UNITED STATES, November 23, 2020 / — Equita Financial Network, Inc., a community of independent, women-led financial planning firms nationwide, is excited to announce that Next Step Financial, LLC, in Tennessee has joined its platform as a Member Firm.

Based in Blount County, Tennessee, Next Step Financial is a fee-only wealth management firm that helps women and families achieve financial wholeness to pursue their dreams. Next Step Financial works with clients in Blount County and throughout the country, providing financial planning, education, and asset management.

Kim Spencer, CFP®, CDFA®, founded Next Step Financial with the goal of educating women about their finances, empowering them, and helping them achieve their life goals.

“I’ve been an advisor for a long time, and I’m finding that women today are still struggling to feel confident about their finances. That hasn’t changed in thirty years. We do a poor job in our society teaching women they can be financially strong. I know women can, they just need the tools that will allow them to,” Spencer said. “My goal in starting this firm is to reach as many women as I can in the next fifteen years. I can’t change the world, but I’d like to have an impact on my corner of it.”

“We are so excited to have Kim join Equita,” said Bridget Venus Grimes, CFP®, co-founder of Equita. “Helping her launch her own firm after years of being in the industry, and helping her build a firm on her terms, is exactly why we launched Equita.”

“Working with Equita will give me tools for running my business that will allow me more time to work directly with clients,” Spencer said. “I’m also looking forward to working with all these great women in the network. I’ve never had the opportunity to work with this many women advisors, all who are running their own firms. That’s very exciting for me.”

About Equita Financial Network

Equita Financial Network is a collaboration of independent, women-led financial planning firms. Equita’s mission is to help women financial planners succeed by providing an excellent business platform and a collaborative community of women CERTIFIED FINANCIAL PLANNER™ professionals. Founded by Katie Burke, CFP®, and Bridget Venus Grimes, CFP®, Equita provides a business platform to each Member Firm with the resources it needs to operate a financial planning practice. It also provides Member Firms a network with which to collaborate, share best practices and resources, and identify succession planning options. Learn more at


Equita Financial Network, Inc.
Bridget Venus Grimes
Katie Burke
(800) 604-0176

Beyond AUM
(800) 583-2315

Amanda Hyland
Beyond AUM
+1 800-583-2315
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Source: EIN Presswire

Top 100 most controversial companies

Controversial Companies

Controversial Companies

Here are the most controversial companies in the world.

The list of Top 100 Most Controversial Companies from is essential knowlege for ESG mangers and responsible investors.”

— Joachim Kattrup

CHARLOTTENLUND, DENMARK, November 23, 2020 / — Based on in-depth research and insight distribute it´s list of Top 100 Most Controversial Companies. Among the most controversial companies in the world we find BANK OF AMERICA CORPORATION, CONOCOPHILLIPS, LOCKHEED MARTIN CORP. and NORTHROP GRUMMAN CORP, according to

The list of most controversial companies is built from a number of international sources, organizations and institutions that have been found credible and relevant in relation to an ethical investment perceptive. A listed company can therefore be connected to several controversial issues.

For example is BANK OF AMERICA CORPORATION connected to a range of unethical issues like "financing fossil fuel life cycle", "money laundering", "Use of Offshore Tax Haven" and are one of the most penalized Companies in the world.

Another company on the list of Top Most Controversial Companies in the World is NORTHROP GRUMMAN CORP which also is connected to a number of controversial issues: Among others, the company is a "supplier to the unconventional weapon industry" and are involved in "funding systemic racism." Besides that NORTHROP GRUMMAN CORP is similar to BANK OF AMERICA CORPORATION one of the companies in the world that to a large extend use "Offshore Tax Haven."

Controversial issues cover a wide range of themes that can be defined as controversial for various reasons. There is no standard definition of a controversial issue or a controversial business. All issues are therefore not necessarily expressions of specific legal violations but have more character of an ethical dimension to be discussed, where it´s ultimately up to individuals or investor management to decide whether the issue is in line with own values or norms., a database of controversial investments, offers investors "Stakeholder Alerts". Each week, registered users will receive “Stakeholder Alerts”, which is a reports on controversial topics linked to listed global companies.

The weekly "Stakeholder Alert" contains information about global companies involved in issues like lawsuits, human rights violations, climate issues, violations of data protection rules, involvement in systemic racism, financing of the coal industry and a varity of other controversial topics

In total, has identified 30 controversial issues connected to over 2,100 listed companies. The relationships have been screened against the share lists of more than 40 institutional investors. Users of the database can thus examine which investors are exposed to the current risk that a controversial case represents.

Registered investors in the database represent more than 3000 billion euros in asset under management (AuM) and the database is being expanded on an ongoing basis. Xklude also offers a controversial rating score of both companies and investors. In addition, "ESG media coverage", which shows which global media stories influence the individual company in either a positive or negative direction.

Thus, Xklude is relevant and useful for investors, business leaders, journalists, researchers and others with interest and sustainability and responsible investments.

It is possible to sign up for services via this link:

To acces database please viist

Joachim Kattrup
+45 60 21 60 85
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Source: EIN Presswire

Clearsulting Celebrates 5 Years by Giving Back to Local Communities

Firm Observes Annual Founder’s Day with Acts of Service

It was important to balance safety while also doing our part to meet needs exacerbated by COVID-19.”

— Hudson Ozello, Clearsulting Cares Lead

CLEVELAND, OHIO, UNITED STATES, November 23, 2020 / — Clearsulting has turned five. The management consulting firm, founded in 2015, celebrated its annual Founder’s Day in early November with a now-familiar structure: morning service activities to give back to local communities and afternoon PTO to recognize the hard work and dedication of Clearsulting team members.

Previously, Clearsulting team members have volunteered together and in person on Founder’s Day. This year, the day’s activities looked different due to the ongoing pandemic. The day’s programming was organized by Clearsulting Cares, which drives the firm’s service initiatives throughout the year. Hudson Ozello, who serves as Lead for Clearsulting Cares, explains that he and his leadership team vetted service opportunities that met COVID-related needs while also providing a safe environment: “We curated three options that team members could participate in either from home or through organizations with clear COVID-related protocols – giving blood through the American Red Cross, donating food to a local pantry, and mailing cards to brighten someone’s day. It was important to balance safety while also doing our part to meet needs exacerbated by COVID-19, such as a blood shortage, food insecurity, and feelings of isolation and anxiety.”

Frankie Strollo, another member of the Clearsulting Cares leadership team, is thrilled with the engagement level on Founder’s Day. “We randomly assigned everyone to a team named after one of our core values – Grit, Growth, Balance, Teamwork, and Accountability – and awarded participation points for each activity,” she explains. “The competitive element generated engagement and camaraderie even though we weren’t able to volunteer together in person this year.” The core value teams jockeyed for the lead throughout Founder’s Day with Team Accountability ultimately winning the competition.

Clearsulting CEO & Founder Marc Ursick says, “My fondest memories over the past five years are all ‘people memories’ – office memories, client team rooms, conferences, all-hands meetings.” He says he is proud of his team for making a difference for the people in their local communities on Founder’s Day, and he looks forward to continued leadership by Clearsulting Cares to streamline and sustain efforts to give back throughout the year.

Information about the American Red Cross’s ongoing need for blood and platelet donations, as well as safety protocols, can be found here.


About Clearsulting: Clearsulting is a management consulting firm specializing in Finance Effectiveness, Financial Systems, Risk Advisory, Automation & Analytics, Organizational Change, and Healthcare. Every day, we help our clients implement practical solutions to their most complex business problems, from strategy through execution. Our cutting-edge culture and streamlined business model allow us to deliver world-class talent at an unbeatable value. Our clients like working with us because we are different. We combine the industry-proven methodologies used by large firms with the speed and innovation only a startup can provide. The result: a uniquely valuable experience for our clients, colleagues, and communities.

Monica Engelhardt
Clearsulting LLC
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Source: EIN Presswire