Bond Isaacson Joins Visa U.S.A. as Executive Vice President of Member and Merchant Relations.
Bond R. Isaacson has joined Visa U.S.A. as executive vice president of Member and Merchant Relations. Based in Charlotte, N.C., Isaacson will oversee the leading bankcard association’s financial-institution and merchant programs nationwide.
Isaacson, 41, will report to Carl F. Pascarella, president and chief executive officer of Visa U.S.A.
“Bond has an outstanding record in leading strategic business partner relationships, which are essential to delivering superior products and services,” said Pascarella. “His addition to Visa U.S.A.’s leadership team ensures that we will continue to deliver value-added solutions to our member banks and merchants in this rapidly changing and increasingly competitive marketplace. We must remain responsive to our customers and continuously look for innovative ways to help grow their profits and build their businesses.”
Prior to joining Visa, Isaacson enjoyed a 19-year career at IBM, where he gained substantial experience in finance, marketing and sales. Most recently, as a financial services marketing executive, Isaacson directed IBM’s sales and IT-implementation efforts for the retail and global-finance business units of Bank of America. He also worked with the bank-holding company (formerly NationsBanc) to negotiate the formation of the Integrion Financial Network, a leading home-banking and electronic-commerce joint venture among 18 banks based in the United States and Canada.
Isaacson earned a bachelor of arts degree in Economics from Wheaton College and participated in a range of corporate-education programs throughout his career at IBM.
As the World’s Best Way to Pay, Visa is the leading card brand and the largest consumer payment system worldwide, providing payment solutions for consumers, industry and government. It plays a pivotal role in advancing new payment products and technologies to benefit its 21,000 member financial institutions, their cardholders, and the global economy. Visa is the only payment system to facilitate $1 trillion worth of purchases of goods and services in a fiscal year. Visa’s more than 630 million cards are accepted at over 15 million worldwide locations, including more than 450,000 ATMs in the Visa/PLUS Global ATM Network.

Broken, crooked or misaligned teeth can cast a dark shadow over one’s life although it sounds like a trivial matter to be concerned with the shape and appearance of one’s teeth. If you try and recollect the novels you have read, chances are that the villain of the story, if unattractive, will be portrayed as having sharp, ugly teeth. A sad but true fact of life remains that our appearance plays a major role in the manner that we perceive ourselves and the way in which others perceive us. A warm and welcoming smile can make even an ordinary face light up and make it attractive to one and all. A smile adds confidence and self esteem to any person and hence it is only natural that we should make sufficient efforts to maintain our smile and our teeth in its perfect state. A regular dental care program and visits to Dr. Dawoud can go a along way in ensuring that the smile is kept intact.
Oral surgery usually deals with curing all the problems related to mouth that needs surgical applications. With the passing of time, dental defects may occur due to a variety of reasons. Accidents, old age and many other problems may crop up that calls for oral surgery. It is the matter of teeth and you should not neglect the problem. Some of the dental problems are very easy to treat while others may even need surgery. Moreover, oral surgery is the best treatment for the patients suffering from any sort of dental defects by Dr. Medhat Dawoud, DMDOral surgery can cure some of the problems such as the loss of a tooth, impacted or wisdom molars and alignment of jaws. Wisdom molar is situated at the last of chewing teeth in jawbone. In many cases, wisdom molar is not able to develop completely. This situation can create problem and causes infection that calls for wisdom tooth removal. Oral surgery is recommended by dentists to remove such molars because the tissues surrounding wisdom tooth catches infection. Chiefly, this condition occurs when wisdom tooth is impacted and you are not able to clean it properly. Impacted is a condition when wisdom tooth is not grown out completely, either it is vertical or horizontal or mesial or distal.

Another dental defect that needs the application of oral surgery is missing tooth. The treatment of dental implants is carried out in this regard. In the oral surgery applied to carry out dental implants, fixing of titanium roots in the jawbone is done. A special base is created for artificial tooth, with the bonding of titanium roots and jawbone. After this step, metal crowns are created for artificial teeth. With the help of this treatment, you can replace a single tooth or the entire denture. Implants are placed in the jawbone surgically. So, you need to go to Dr. Medhat Dawoud, – an experienced dental surgeon.

Oral surgery is helpful in repairing numerous facial injuries and broken jaws. Any abnormal growth of abrasion can be cut by the oral surgeon and sent to lab to carry out biopsy tests. Cleft palate can also be effectively mended by an oral surgeon. In fact, oral surgery is a boon for those. There are some people who face the problem of uneven or unequal growth of jaw. Jaws that are not leveled properly can make it difficult for a person to talk, consume, eat and sometimes even breathe properly. Oral surgery can be done to correct this condition. With the help of Dr. Medhat Dawoud, who is the member of Academy of General Dentistry, of jaw can be placed in a more balanced and functional position.
Most of do not realize that a little timely care and concern for our oral health can prevent any gum and tooth disease from troubling us unnecessarily. A regular oral health routine and check ups by our dentist can ensure that our teeth are in perfect condition even till our old age. Certain consumable material like very hot or cold temperature of edible items should be avoided to avoid damage to teeth. Also it is necessary to clean and brush our teeth after every meal. Little steps such as these can go a long way in ensuring that our smile is preserved forever.

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Edwin Ogenio

Edwin Ogenio believes that this word will be of a tremendous blessing and encouragement to you. Edwin prays that you humbly allow God to speak and minister to you in the areas of your life that He points out, in order for Him to remove those obstacles that hinder the flow of His blessings.

“We desperately need God’s help!” – says Edwin Ogenio.

It seems to Edwin that God many times allows our financial flow to be stopped, in order to get our full attention. It’s His way of saying: “I’ve got something you need to take care of, in order for Me and you, to move on to the next level of My glory and blessings.”

Let Ogenio gives you some examples. Could it be that God is saying any of the following points to you?

Andrew Blaak

They say that the key to success is moderation and moderation comes as a result of the fine act of balance. Now, in order to maintain balance, there has to be a point of agreement, which usually works in cases where more than one people are involved. The corporate world is not devoid of this philosophy as the successful operation of a private limited company rests on the shoulders of an element known as shareholder agreement- Andrew Blaak. Practically speaking, a shareholder agreement is one such moderating document that every company with more than one shareholder ideally needs for its success. The reason is quite simple as this document lays down the agreement of the shareholders regarding the ownership and management of the company and the necessary understanding between them to avoid any future problems. The document would also enumerate the possible steps to be taken in the event of a walkout staged by a shareholder.

The prospect of a shareholder agreement, however arises in case of the establishment of companies with relatively few shareholders, as constitutional documents would step in for a bigger venture for enhanced legalisation. Small though it may seem, the shareholder agreement benefits the participants by waylaying bigger expenses that come packed with constitutional documents. Even enhanced flexibility shapes up through shareholder agreements as they allow regular changes and updates to be added by the shareholders. This agreement can also be used as a great tool to ensure security of the position of minority shareholders.

It seems quite evident from the discussion that a shareholder agreement goes a long way in bringing that much needed balance in the business operation of a company. Although the nature and the stipulations of shareholder agreements would vary from country to country, the bottom line of managing the operation by bringing the unanimous thoughts of the partners remains the same.

Christopher Purtz

By the time you finish reading this article I’m sure you will find time to stretch every day – Сhristopher Purtz.The lack of flexibility in people is now seen to be the major cause of general health problems and sports injury and is also being linked to everything from stress, back pain, and even osteoarthritis.It also means that nagging injuries, especially around your joints take longer to heal. The latest studies show that up to 60 percent of the general population with bad backs and knees have tight hamstrings and hips and the main cause of this is a lack of flexibility.
            How to Stretch

Before stretching, dress in loose clothing and try and acquire a five-foot length of rope and tie a loop in the end. The purpose of this is to loop the end of rope around the exercising appendage to squeeze the last couple of inches of stretch from the exercise.

Find a comfortable place to stretch either on your bed, a carpeted floor or on a mat. Isolate the muscle or group you want to stretch then contract the muscle opposite. This causes the isolated muscle or group to relax straight away and when it does it is ready to stretch.

Gently and quickly stretch the isolated muscle until it can’t be stretched any further; now give yourself a gentle pull with your hands or rope. Go as far as you can and then hold the stretch for no more than 2 seconds then release, do this for a total of 5 repetitions on the isolated muscle or group.

The reason for just a 2-second stretch is because when a muscle realizes that it is being forced into a stretch it contracts to protect itself from being overstretched. If you can beat this contraction you’ll be well on the way to a greater Range of Motion.

Remember to hold for no more than 2 seconds, release, return to the normal position and repeat for the five repetitions. Try not to have any hesitations between stretches and make it as fluid as possible.

Try to stretch every day if possible, remember to:

* Work one target muscle at a time.
* Contract the muscle that is opposite the targeted muscle, which
will relax in preparation of its stretch.
* Stretch it gently and quickly.
* Release it before it realizes that it has been stretched and goes
into its protective contraction.

Below are two exercises that can be done straight away even while you are at work to stretch that tension and stress from of your body.

* Lie down on the floor with your buttocks against a wall and your legs straight up the wall. Slowly flex your toes towards your knees, hold for two seconds and repeat five times. This will loosen up your lower back and stretch your hamstrings and hips giving instant relief for tired backs.

This exercise can be done while at the office anytime you start to feel that stress and tension building up.

* Sitting in a chair and putting one leg out straight, flex your toes towards your knee, now lean towards that foot, stretching your hands towards it and letting your head and shoulders follow, hold for two seconds and repeat five times. This will create a stretch right across your lower back and neck.

A flexible body is:

* More efficient
* More easily trained for strength and endurance
* Enjoys more range of motion
* Stays balanced more easily and is less prone to injury
* Recovers from workouts more quickly, and feels better.

Your goal? To start utilizing these exercises every day and say goodbye to your stress and tension

Frank Scozzaro

Volunteerism is a great way for any size company to give back. Whether you are a solo entrepreneur or a large corporation, an employee volunteer program is a must for several reasons. The most important reason is it gives employees a stake in the company’s giving and it can even improve employee morale.An employee volunteer program doesn’t have to be complex and time consuming. But, it should be leveraged against other assets for giving, which determines how you build this program. The employee volunteer program needs to also have the systems in place for it to be successful and effective. If you are thinking about establishing a company-wide employee volunteer program or if you are a solo entrepreneur and want to include time as a way to give back, here are 5 easy steps to create and employee volunteer program- Frank Scozzaro

1. Align volunteer activities with the company giving mission. Volunteering should not be done on the fly or without consideration. Creating a branded giving program that sends out your message about what you care about is important. Take the time to select volunteer activities that closely align with your giving mission statement. Choosing activities that align with your giving mission generate the greatest benefits for the company, employees and the community.

2. Develop a volunteer program structure and policies. Written and communicated policies around volunteering keep the program focused and easy to manage. It lays the groundwork for what the company will do and how it will do it and when recognizing employees for the volunteer time, it keeps the process fair.

3. Leverage volunteer activities against other assets the company has to give. You need to know how much time you can afford to give back. Time is weighed against in-kind donations, cash contributions (including matching gift programs) and loaned expertise.

4. Communicate your volunteer efforts. Communicating your giving program generates enthusiasm within the company and good will within the community. The results and efforts of your volunteerism are linked to public relation and marketing efforts both internally and externally.

5. Reward engaged employees. Nothing speaks louder to employees than appreciation for what they do. Establishing a recognition program inspires others and is a great way to say ‘thank you’ for their contribution to the overall company giving program.

6. Measure and evaluate. You don’t know how successful your volunteer program is unless you take the time to evaluate it. Yes, volunteering is all good, but you this is the only way true success can be determined. Some of the areas to measure are employee satisfaction with the program and is it meeting your overall mission.

Mary Aljian

If you are a business owner, you probably have questions about incorporating small business. Most often business owners ask why incorporate. Many people run their small businesses as sole proprietorships for many years without considering the benefits incurred from taking the steps to incorporate business. However, as tax time comes round, you might be dismayed to see how much of your business income goes to pay taxes for a sole proprietorship. This is when many small business owners begin to consider if incorporation is right for their business.

One big reason why businesses decide to incorporate is that in the United States business law favors corporate interests, giving them rights, privileges and protections that are often no longer available to individuals. This goes back to an early Supreme Court case that had an amendment added to it by a law clerk. The case was Santa Clara Co. vs. Southern Pacific Railroad, and the law clerk essentially wrote his own words into the judge’s opinion. The wording he added caused corporations to be considered as natural human beings, and gave them the same rights as humans under the 14th Amendment of the Constitution. This classification has been the entry point for some large businesses to influenced lawmakers to favor legislation that helped them to grow in power and size.

When it comes to incorporating, small business owners know that this legal process allows them to take on some risk without the danger of losing all of their possessions should the business fold. There are benefits that come with all types of incorporation, but they vary depending upon how your business structure is set up.

Many businesses begin as sole proprietorships. This usually means you are doing business under your own name, although you can do business under a fictitious name, the name of your business, as well. A sole proprietorship is not a corporation, and the benefit of this is that you will pay not corporate taxes, but instead you pay taxes on the profits of the business. The bookkeeping involved in a sole proprietorship is usually less complex than might normally be expected for a corporation. Your business profits go directly to the business owner in this model. This business structure is easily formed and dissolved legally, and you have the most control over your business decisions, because you have no one else to answer to – Mary Aljian.

When it comes time to incorporate, business owners usually do so in order to lower the amount of tax they must pay. As a sole proprietor, you may have to pay both the federal tax rate and a self-employment tax, which is in effect double taxation. Many business owners want to learn how to incorporate business structures because they also want limited liability. Sole proprietors can face unlimited liability if their business is sued, and it puts their personal assets at risk.

When considering incorporating, small business owners can select from the LLC, C-corporation, S-corporation, and even non-profit status. When you want to incorporate, business owners should look into each of these formats to see which is right for them.

Job Search Secrets for Tough Times According to Transition America
According to Transition America, it’s not just what you know that will get you hired- It’s who you know- And — more importantly — who knows you.

Here are 3 job search secrets that can get you hired, even in tough times…
1. Employee Referral Programs — Get an Advocate

“In this economy, a number of companies refuse to interview candidates who aren’t referred by employees,”.

Large corporations use referral programs to encourage employees to submit names of people they know for open positions- This screening process makes sense, since like attracts like — talented employees often have talented friends- And companies are willing to pay $500, $1,000 — and more — to employees who refer new hires.

So it pays to start making friends at big companies you want to work for.

Your Lesson: The best way to learn about employee referral programs is to strike up a relationship with someone at your target company — and ask- A simple email will do- Then, keep in touch- Your contact may end up walking your resume into a hiring manager’s office- You get hired and your “advocate” gets a cash award — win-win!
2. Network from the Inside — Create Your Own Job with Transition America

From my client files this week comes the story of “Josh” from Toronto, a marketing manager for a multi-national high-tech firm.

At first, Josh did what most job seekers do- He posted his resume online, sent it to recruiters and answered help-wanted ads-

But it was networking — within his own company — that really paid off.

“I used an internal contact in New York City, one thing led to another, and I was over in the US doing 6 job interviews in the last 2 weeks,” says Josh.

His Fortune 500 firm is now creating a new position for him with a generous salary and relocation package- This came after I encouraged him to leave no stone unturned with his current employer.

“I emailed a co-worker and asked if I could use him as a resource for an internal job search- He agreed to help, which led to my interviews- And I already had a good reputation internally, with several VPs to serve as references- That gave me an advantage I would not have had at another company,” says Josh.

3. Become a Power Broker in Your Field

It’s an old maxim: Givers get- And it’s especially true when job hunting.

Now, go out and make your own luck! For information about Transition America, visit us at www.americatransition.com.

Have You Been Looking For Us?

Cellular Sales is an exclusive retailer for Verizon Wireless products and services. Currently, we’re over 225 stores strong with 800 sales associates and growing. Since 1993, we’ve experienced 14 consecutive years of positive growth.

We’re looking for motivated people with an entrepreneurial spirit who are looking to enter into a business venture working how, when and where you want.

If you’re looking to make a profit without losing your independence, Cellular Sales can provide the right environment to make you a success.
We’ve Got What You Want

“Partnering with Cellular Sales allows me and my family to achieve a sense of entrepreneurial accomplishment while fully supported by a relationship with Verizon Wireless. Cellular Sales allows me the freedom to try new business plans and execute to my potential, giving me the confidence to perform anywhere in business, I just don’t know of a better option.”
- Cheyenne, Tampa, FL