The Oxford Club Details How Much You Should Have in Stocks

Throughout the year, the Oxford Club puts on many private wealth management seminars throughout the country. It is during these seminars that many “loaded” questions are asked, including variations of this one:

“Once I reach retirement, how much of my money should be devoted to stocks?”

The answer that many at the Oxford Club always gives is that “it depends.” A person’s age, their health, their monthly overhead, and the size of their portfolio all play a large role in how much money they should have invested in stocks.

Moreover, when the Oxford Club received this answer, they have become rather adept at changing the question. Rather than how much someone has in stocks, the question they should be asking themselves is how much a month do you have in overhead? After you answer that question, you should allocate enough money in low-risk bonds and cash to finance your monthly overhead for a five-year period. For example, if you wish to have a $30,000 per year retirement, you should set aside a reserve of $150,000.

Why is this so? Because it allows for a bear market in the stock exchange. For example, the average bear market will last about 15 months, and the recovery will usually take another 2 years. That would be about three years for a recovery for your stocks. However, some bear markets are more severe, so this is why you should allow for a five-year financial reserve. Thus, while your stocks are in this bear market, you are living off of your reserve. This way, you avoid cashing in your stocks for a low amount and then once the market rebounds – becoming bull once again – then you can sell your stocks and still maintain your personal wealth.

The Oxford Club

It is practical, feasible financial advise from the Oxford Club that has made them so famous. Simply put, these guys know how to help you provide for your financial future.

Founded in 1989, the Oxford Club has a unique and time-tested approach to stock market and investment analysis that consistently places them ahead of the market. Many investors have seen consistent returns simply by adhering to their principles.

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Siteline Cabinetry Offers Excellent Services To Match Your Vision

It is factual that a kitchen cabinet plays an important role in the house. Kitchen cabinets are essential when it comes to handling daily kitchen activities. That is why as the home owner, it is vital to consider all the pros and cons that come with specific designs of cabinets, the material used and the economic viability. For that reason, here is a list of some of the latest kitchen trends suggested by Siteline Cabinetry:

  1. Personalized Cabinets

Personalized cabinets have a personal, customized, touch. It is through the customization that an individual gets the chance to add styles, designs, colors in addition to functions. The idea behind personalized cabinets is to allow the home owner to create what suits their preferences. This option allows one to match the design and the home.

  1. Clean Lines- Sleek, Designs

Lines and designs make another style of kitchen cabinets. The subtle design ensures flexibility after a number of years’ use. The doors for this design are relatively simpler to open and shut. There are also clear lines attached to these designs, a feature that makes cleaning easy. The onset of modern styles has allowed clean lines in addition to subtle lines into the market.

  1. Shaker Style

Shaker style comes in multiple colors. From classic black to white, they are traditional designs that borrow vogue roots since the last decades. When you first look at this design, your eyes assume that they are plain. Shaker does not leave spacious imagination rooms. There are, however, rooms that allow creativity. These designs date back to the 1800s.

  1. Functional Design

Some home owners prefer casual designs. This is what functional designs are about. With the onset of home improvement techniques, this is a better option. It is not only beautiful but also accommodating.

Company Profile

Whatever your vision is, Siteline Cabinetry is always available to create it. The cabinet business is appended to their mission statement. Their dreams are relived in making your kitchen cabinets to the design that you wish for. Depending on the vision you have, the company will provide amazing colors to match your tastes and preferences.

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Lori Senecal an Innovation in the Business World

Lori Senecal gives credit to her elder siblings for her current success in her career. She is currently the Global CEO for Crispin Porter & Bogusky. It is clear to see that she has been able to make her dreams a reality by the successful story of her life’s achievements.

Lori graduated with a degree in Sales and Marketing from McGill University. She became the woman with the “Midas Touch” once she joined the employment industry, due to everything she touched became an instant success. She is dedicated to finding ways that let people and company attributes shine, which is what has made her the subject of popularity when it comes to finding a leader to certain organizations.

In 2003, her innovative skills allowed her to envision and put into action a young-adult marketing entity, called TAG Ideation. Lori Senecal has been in the position of Chief Marketing Officer with the DDB Worldwide Communications Group, Inc., from October 2005 thru 2008.

As a result of her position with TAG Ideation, she was promoted to lead the Sales and Marketing department. She has been permitted to serve as Co-Managing Director of TAG-New York by McCann Erickson Worldwide/ a division of McCann Worldgroup Inc., eventually serving as the Accountant Management Director and Executive Vice-President of McCann Worldgroup. Becoming the President, Chief Executive Officer and partner of Kirshenbaum Bond and Partners in 2009.

According to gcreport, Lori Senecal has had a very impressive history with the achievements she has been able to accomplish during her life time, and she is far from being finished. During the years of 2014 and 2015 she was serving as the Director and Chief Executive Offices of MDC Partners; and as CEO of Worldwide for Crispin, Porter, and Bogusky, then in April 0f 2015, appointed the position of Director of the Advertising Council, Inc.

Lori Senecal is able to predict the trends in marketing with an accuracy that ensures all the companies she is working with stays on top of the industry. She likes to listen to upcoming trends that involve advertising, since in her current position as the Global CEO of Crispin, Porter & Bogusky, it is essential that she is aware of all the newest trendsetting advertisements. She recently spoke at 3% conference.

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Bridget Scarr Is a Content Development Expert

Bridget Scarr is a highly regarded creative director who resides and works in London in the United Kingdom. She has a lot on her plate in the career department. She, first and foremost, works as an executive producer. She’s also a singer-songwriter and writer. Television is a big part of Scarr’s well-rounded career. Scarr at the moment is an extremely busy individual. She’s currently busy recording her debut album. She’s penning her debut novel as well. Her novel is going to be an epic fantasy of sorts. Scarr is a big fan of both creativity and content.


Scarr is an employee at Colibri Studios. This company concentrates on television and content development in general. Scarr has a deep passion for the content creation process. She revels in creating content that’s suitable for all kinds of channels. It doesn’t matter if it’s digital content or content for television programs. Scarr simply adores taking part in it. She strives on a daily basis to produce content that has the ability to connect with the people who make up her target audience. She wants to connect with their hearts and brains alike.


Scarr has been an executive producer for quite a long while. The experienced professional has been working in the production world for more than 15 years so far. She has extensive experience in fields such as advertising, animation and television as well. Scarr is someone who has a strong understanding of the concept of leadership. She’s been in charge of teams of all sizes. She has been at the helm of small teams that consisted of just five individuals. She has, at the other end of the spectrum, also been at the helm of larger ones that had upward of 220 members, amazingly enough.


This balanced talent has been part of projects that cover many territories. She’s worked on news entertainment, lifestyle, animation and kids shows, to begin. Scarr has many diverse responsibilities at Colibri Studios. She runs partnerships, strategy and content development for the company. She works closely alongside creative personalities, project partners and global broadcasters day in and day out.


Colibri is without a doubt a person who has a packed schedule. That doesn’t mean that she doesn’t devote any time to taking care of herself, though. She likes to start her days with a little bit of low-key meditation. Meditation gives her a boost of vitality and life.


Connect with Bridget Scarr on LinkedIn.

Robert Ivy’s Life Work & Accomplishments

Robert Ivy is the CEO and executive vice president of American Institute of Architects. He has been in this position since February 2011. Before this position, he was the vice president and editorial director for McGraw-Hill from October 1996 to February 2011.

At this organization, he led construction publications and construction design, including GreenSource, Regional publications, Constructor, Engineering News Record, HQ (with 16 sites), Record in China, and Architectural Record. He also served as a panel juror, and that panel chose Frank Gehry, an architect, to design the National Dwight D. Eisenhower Memorial. Additionally, Ivy was a critic for several national publications and a principal for Dean/Dale from 1981 to 1996.

His Education

Ivy earned his bachelor of arts degree in English with a minor in French in 1969 from Sewanee: The University of the South. He graduated cum laude. He also earned a master degree in architecture in 1976 in which he was in an honorary society called Tau Sigma Delta.


His Awards

Ivy earned several recognitions and awards throughout his career as well. Under his editorial leadership, the Architectural Record received the American Society of Magazine Editors National Magazine Award for General Excellence, the premier magazine journalism award, seven Ozzies: Folio Design Awards, 26 Jesse H. Neal Awards, and the 2008 MPA Digital Award for Website of the Year: Enthusiast. Other than that, Ivy was recognized for the Crain Award in 2009, the McGraw-Hill Award for Management Excellence in 1998, and as the “Master Architect” by Alpha Rho Chi, the country’s architecture fraternity.

His Publications

Ivy also has some publications. In 2001, his authoritative biography was published, and it’s called the “Fay Jones: Architect”. This book is currently in its third edition, and it shows the work of an American architect who was Frank Lloyd Wright’s apprentice. The Art Library Society of North America recognized this work for its highest standards of design, scholarship, and production. From writing to various architectural highlights, Ivy made significant contributions that help shape our country in a positive way.

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Gregory Aziz: Best Friend To Business And Community

Gregory James Aziz is the President and CEO of one of the world’s largest engineering and manufacturing companies of railroad freight cars. The company is called National Steel Car and is in Hamilton, Ontario, Canada.

Gregory J. Aziz was born in London, Ontario, Canada on April 30, 1949. In 1971 Greg became a part of Affiliated Foods (his family food business). Over the next several years (approximately 16), the family business grew and expanded worldwide and began receiving imported fresh foods from Europe, Central and South America as well as exporting foods to every leading major wholesale fresh food chain throughout Eastern Canada and the United States.


During the late 1980s / early 1990s, Greg Aziz took part in a number of investment

banking options in New York. This enabled him to coordinate the activities leading to the purchase of The National Steel Car Company from Dofasco, a Steel Company located in Hamilton, Ontario, Canada. This took place in 1994. The purpose for this purchase was to ultimately transform this great Canadian company into the leading manufacturer of railroad freight cars in all of North America. Giving special attention to the company’s engineering and team building capabilities as well as to its human and capital interests and investments, National Steel Car expanded its manufacturing capacity from 3,500 cars as of 1994 to 12,000 cars by 1999. During that same period of time, their employment of staff and personnel increased and grew from approximately 600 to nearly 3,000 persons. Currently, National Steel Car is the leader in new freight car products while building thousands of new railroad freight cars annually. National Steel Car received TTX SECO awards for thirteen consecutive years for its leadership in the manufacturing of steel cars.


Gregory J Aziz received his education from Ridley College. He, then, transferred to The University of Western Ontario where he majored in Economics. He, later, married his now wife, Irene. Greg and his wife continue to reside in Canada and are repeated sponsors of Canada’s most distinguished, notable, and celebrated agricultural fair, The Royal Agricultural Winter Fair. This fair, commonly known as “The Royal” occurs every November and lasts for two weeks. While at the fair, guests and patrons are encouraged to feed and touch the animals, discover the journey food takes from farm to home, ask questions and meet and greet the advisors / exhibitors. Click Here for more information.


Under Gregory J Aziz’s leadership, National Steel Car has supported and given back to the local community by sponsoring organizations such as The United Way, The Salvation Army, and other local charities.

Why Gregory James Aziz is an Influential Entrepreneur and Philanthropist in Canada

Gregory James Aziz, commonly known as Greg Aziz, is a Canadian businessperson and executive. He currently serves in the position of CEO, president, and chairperson at National Steel Car. His role involves overseeing the company’s freight vehicle engineering and manufacturing operations.

Early Life and Education


Greg James Aziz is a native of Ontario, Canada. His parents managed a family-owned business venture known as Affiliated Foods. Greg Aziz became an employee of the venture back in 1971. With over forty years of experience in the food industry, Affiliated Foods is a leading distributor of fresh foods. The company maintains its presence through its offices in the US, Eastern Canada, Central and Southern America and Europe.

Greg Aziz went to Ridley College for his tertiary education and later proceeded to the University of Western Ontario to undertake an undergraduate program in economics. After his tertiary education, he ventured into the banking world and worked for several banking institutions in New York.


National Steel Car


Dofasco, a Canadian company, used to own National Steel Car. However, the ownership was transferred to Gregory James Aziz in 1994 after he successfully bought the company. Greg’s vision was to transform National Steel Car from a local venture to an international venture. Today, National Steel Car ranks highly in the car engineering industry as a manufacturer of railroad freight cars.

As the CEO of the engineering and manufacturing firm, Greg James Aziz has several accomplishments under his name. These include expanding the engineering and manufacturing capabilities of the company. Greg achieved this objective by restructuring the leadership team of National Steel Car and investing more money into the company. National Steel Car usually produces 12,000 cars every year. The company’s professional and leadership teams also consist of 3,000 individuals. Go To This Page for more info.


Under Greg’s tenure as CEO and president, National Steel Car obtained ISO 9001:2008 accreditations for quality standards of operation. The firm has also undergone several rounds of recertification for the past 18 years. National Steel Car is also one of the pioneers of innovation and excellence in manufacturing railroad freight vehicles. Since 1996, the firm has consistently been the recipient of the TTX SECO award.


Charity Work


Gregory J Aziz is an active supporter of charity organizations and activities. He is one of the sponsors of Royal Agricultural Winter Fair, which is a Canadian critically-acclaimed agricultural fair. Greg also supports the Salvation Army, Theatre Aquarius, the Hamilton Opera and the United Way through National Steel Car.

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Roberto Santiago Changes the Latin American Commercial Real Estate Industry

The real estate market in Brazil is changing all the time, and Roberto Santiago is that real estate investor that has a major stake in Brazilian real estate. She has been able to help develop a plethora of different properties in Brazil, and a large part of his focus has been on the retail clothing industry. He has made different shops where people can spend their time shopping for their favorite clothes, but the most interesting thing that Roberto Santiago has brought to Brazil has been the Manaira Mega Mall.


He has changed the way people look at shopping when they go to Brazil because he has created something that is incredibly valuable for tourists and Brazilian natives. People do not have to worry about going anywhere else when they are inside of this mall. It provides a host of stores for people to consider, and it also gives way to a great amount of food establishments for eating as well.


Brazil is definitely a place where tourists go to enjoy themselves. Many people come here for a vacation, and now it has become a great spot for shoppers as well. This has become a very interesting place for people to go when they are trying to engage in a lot of different activities without leaving one centralized location. This is where Roberto Santiago was thinking ahead of the curve.


He created the type of real estate environment that would allow people to engage in other activities like bowling and movie watching. He created the type of spot that would definitely be helpful to all of those that wanted to get everything done in a timely manner. When people are out shopping and they want to eat or engage in some other type of activity he knows that this will be the best possible way to do this.


He totally realizes that people like to maximize their time, and having everything all in one place helps all of those that want to make the most of their time while they are on vacation. Roberto Santiago has had other jobs down through the years, and he has been the type of person that has always looked for the best opportunities for growth in his career.


Roberto Santiago had established himself as a writer for years before he ventured into commercial real estate and he was quite successful and writing. He would find as he got older, however, that there was a void in his life and a void in commercial real estate that he wanted to see filled. The minimum also served as the perfect opportunity for him to fill this void and change the way that people shopped in Brazil.


Orange Coast’s New Recycling Center

Orange Coast College is a community college located in Orange County, California. Founded in 1947 it is now the third largest college in Orange County. It is centered in Costa Mesa, California, near Los Angeles. It is proud of its 1764-acre campus near the beautiful beaches of California. It is one of the nation’s best community colleges. The college houses more than 25,000 students each semester. The college has unmatched facilities and technology. It offers more than 135 programs, with exceptional public nautical programs. Learn more:


Orange Coast College’s resource center holds a counseling center, records and admissions, transfer center, career center, career library, international center, academic honors office, financial aid, veterans’ services, assessment center and a puente program.


Recently Orange Coast College opened up its new recycling center. It is an estimated $7,5-million center on the northern edge of the Costa Mesa campus of the college. It uses 5 acres of land, expanded on the previous 1-acre facility. The whole facility has classrooms, offices, conference room, a first-aid room, showers, cleaning area and 45 parking places.


People from all over the area come to OCC to throw away unused items, such as cans, bottles, newspapers, and metals. The recycling center accepts things like TVs, computers, machines and light tubes. The center does not accept furniture, auto or marine batteries, used motor oil, chemicals, paint or hazardous materials.


The facility is great in that it serves the community while providing on-campus jobs for students of the college. The center is run using solar energy from solar panels and constructed with eco-friendly materials. Soon, the facility will have various energy-efficient certifications. The fundraising for the new center comes from many places. Some of them are the Measure M and CR&R Environmental Services. The classrooms are called after Cliff Ronnenberg supporters, the founder of CR&R and Janet, his wife.


The center is a part of a 2020 vision project that also includes student housing and a new planetarium in the place of the old 1950 use. Learn more:




National Steel Car’s President, Gregory Aziz

Greg Aziz grew up in Ontario, London. Born on April 1949, he studied at Ridley College and later joined the University of Western Ontario. He majored in Economics, and this has been his specialty since then since he ventured into company business at an early age.

Greg James Aziz is the CEO of National Steel Car, a North American company that engineers and manufactures railroad freight cars. NSC is among the top countries worldwide in railroad freight car manufacturing. It has been named the first and only railcar company to acquire ISO Certification, which it has done so for more than ten consecutive years. Furthermore, the company has also garnered the annual TTX SECO award, since 1996 and has held it for 18 years, following several recertification.

National Steel Car used to have its bounds and services, within Canada. Its production rate was also low as it produced only 3,500 cars yearly. The rate of employment was a meager 600. Greg’s leadership brought several changes. The production and employment rates both shot up tremendously by 1999. The Canadian company also stretched its bounds and currently, it is the leading railcar company in North America. It offers its quality services to not only Canada as was the case before but also different parts of the world.


Gregory J Aziz after graduation worked with Affiliated Foods, the leading importer of fresh foods from Europe and America. It is his family’s company and for 16 years, has topped in the exportation of fresh foods to the United States and Canada. James Aziz then went to New York. While there, he worked with investment banking opportunities. With the dream to own a company, he worked at acquiring the resources he needed. In 1994, Greg obtained National Steel Car from Dofasco. His vision and mission were to make NSC the leading railcar company in North America, something he achieved within a short time.


National Steel Car throws Christmas Parties every year and usually invites both the current and former employees. Their families too are not an exception. Acts like these strengthen the correlation that exists between employer and employee.  Refer to This Page for more information.


To show its support to the Hamilton community, NSC has not only created job opportunities but also funds various charities. Among them are the Theatre Aquarius, the Hamilton Opera, the United Way and the Salvation Army. Greg and his wife, Irene sponsor the Royal Agricultural Fair, among several other fairs in Canada. The Royal Agricultural Fair is the most renowned fair in Canada.