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May 2020, ISSUE N5 REASONS WHY PEOPLE WORK WITH PROFESSI ONALS TO ‘FIX MY CREDIT’

BEST 5 ISLANDS TO VISIT IN AUGUST

ATFX-THE MOST TRANSPARENT BROKER WITH THE BEST EDUCATION PROGRAM EXCLUSIVE INTERVIEW WITH WEI QIANG ZHANG

JAMIE DIMON ABOUT CRISIS

THE MOST IMPORTANT MACROECONOMIC INDEXES FOR JUNE

5 MISTAKES TO AVOID WHILE INVESTING IN STOCK MARKET Forecasts for 2020: Cryptocurrencies Forex and more


REASONS WHY PEOPLE WORK WITH PROFESSIONALS TO ‘FIX MY CREDIT’

JAMIE DIMON ABOUT CRISIS

5 MISTAKES TO AVOID WHILE INVESTING IN STOCK MARKET

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Reasons Why People Work with Professionals to ‘Fix My Credit’ By Bruce Markey Simply think about a heart-throbbing scenario. After applying for a home mortgage loan for the marriage ceremony of your loving daughter, as you meet the loan officer of the bank, you’re informed that your credit score is too poor to be eligible for financing. No denying the matter is more than shocking and upsetting for anyone like you who have always been careful enough to pay dues against your credit cards, car loan, and other bills on time. More surprisingly, as you get the updated reports from Equifax, TransUnion, and Experian you observe some mysterious tradelines being on the credit report which don’t belong to you. Apart from this, there are many negative entries that have been the culprit for disqualifying you for a bank loan. In a nutshell, you have suffered only because of the errors or misleading information on your credit reports. Rather than becoming upset think for a second that it’s the reason why an increasing number of Americans ask for fix my credit to professional credit repairing repair companies. Reason of Hiring Experts Instead of enhancing your credit status from the scratch, the whole objective of ‘fix my credit’ process involves expert auditing of your credit report for pointing out flawed item, information or entries which is then challenged or disputed with the concerned parties. Since these flawed entries are the key causes which impact negatively

on your credit report, once removed or modified by credit bureaus, they automatically increase your credit status and let you find a mind-blowing boost-up of your credit score. Thus, outfitted with ‘fix my credit’ professionals, basically you depute expert groups specializing in the area to shoulder the responsibility to examine and spot the negative items on your credit report that affect your score cruelly. Consequently, after such erroneous entries are pinpointed through an expert audit session, the credit lawyers formulate the dispute plans and start sending their disagreement letters to relevant parties. Being legal experts, basically, they make the parties to remove those mistaken entries and help you get a healthy credit score simply by fixing them. What Make Them ‘Fix My Credit Job’ a Success? Knowledge about Credit Laws Unlike average individuals, credit repairing agencies are operating with highly specialized and insightful pool of credit lawyers, analysts, as well as arbitrators having knowledge about the consumer credit market. With years of experience in handling various types of consumer credit-related issues, they become well-versed to deal the matters with great techniques and knowledge according to the consumer protection laws of a federal system like,


Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Fair Debt Collections Practices Act (FDCPA) that safeguard your lawful rights. Opposed to commoners with no or poor knowledge about credit laws, working with expert credit lawyers always makes sense in ‘fix my credit’ process. Work Directly with Creditors According to customized strategic plans, the lawyers begin their dispute program through a personal meeting, official correspondence, apart from repetitive follow up with Experian, Equifax, and Transunion credit bureaus, credit card companies and creditors directly. Deletion and modification of the unfair entries boost your credit score in a steady process and it takes nearly a few months to one year to get rid of the erroneous entries found on your credit report. Unbeatable Negotiators The biggest plus point that makes specialist credit repair companies to ‘fix my credit’ score is that they fight with credit bureaus, creditors or credit card companies based on their fact-based dispute plans which are designed following meticulous audit and evidences of inconsistencies found in credit reports. Each case is handled by seasoned credit lawyers, credit analysts, and great negotiators who remain unbeatable in the process of disputing, negotiationFree Articles, and settlement.


ATFX The Most Transparent Broker With The Best Education Program

You have won two of the most sought after awards; The Most Transparent Broker and The Best Educational Program. With lots of companies looking to develop attractive educational programs and the demand for transparency in the forex market at an all-time high, you must be very happy with the awards. It looks like you have spent a lot of time and resources on your educational program given the number of courses available to traders. Why do you think that forex brokers need to focus on education and also on the transparency of operations?

The Most Transparent Broker World Forex Awards 2019 The Best Educational Program World Forex Awards 2019 - It's essential forex brokers focus on traders education given that a large percentage of our clients are beginner to intermediate traders. It's our responsibility to educate them on the best ways to trade the markets and increase their chances of becoming consistently profitable. Remember that, as brokers, we win when our clients win. Winning traders tend to stick around much longer than losing traders, with the latter being much more likely to quit trading altogether. Transparency also plays a critical role in the amount of trust that clients place in their broker. The more transparent you are with your clients, the more likely they'll trust you, which ultimately translates into more business for the broker.


EXCLUSIVE INTERVIEW WITH WEI QIANG ZHANG INNA RIABININA

Nowadays there are thousands of online courses available, why should traders sign up to your educational program, what is unique about the ATFX educational program? - Our educational program is unique because we've carefully curated only the most relevant information for a trader to succeed. The subject matter for trading and the financial markets is infinite, and so trying to teach it all successfully is unrealistic. We've kept to the core elements that will really benefit traders. We noticed that most of the educational course contained too much information and in turn overwhelmed the course participants. Ours is designed to remove the noise of trading material and focus on the information that will teach traders success. ATFX’s training does not sugarcoat the harsh realities of trading. We teach our clients about the risks inherent in the markets and how to manage their exposure to boost their chances of becoming profitable. Combined with risk

management, our other core pillars are technical and fundamental analysis and trading psychology. These four areas are the building blocks for our course to ensure traders are well-equipped to tackle the markets. Our course is also structured in a way that allows traders to learn at their own pace. It offers the freedom to focus on different modules that address specific aspects of their trading. The program also caters to all levels of traders. Beginners, intermediate and professional traders can benefit from the teachings on our course. What is your message to traders who are going to open a trading account?


- Depending on your level of experience, I'd always recommend that you familiarise yourself with the trading platform you’re using. Ours is simple and easy to get to grips with, but like anything brand new, there is a small ‘getting used to it’ period. You don't want to lose any funds simply because you weren't clear about a certain order type. For beginners, I'd advise them to focus heavily on their education. Gaining an understanding about how and why markets move will put you

in a better position to spot trading opportunities. I would also warn them that trading isn't a get rich quick scheme and that a lot of work is needed to become a successful trader. Finally, I'd encourage traders not to take the view that the market is against them. Instead treat both their wins and losses as feedback of their performance, because the market is always neutral.


Why do you choose the strategy to be more transparent than other market participants and why is it important for traders? - The choice to be a transparent broker was an easy one for us because we wanted our clients to see that we always operate with their best interests at heart. We ensure that during any period of volatility we immediately communicate the increased risks posed by such conditions. We’re open about any widening of spreads or reduced leverage levels because it’s important our clients know exactly what to expect. We’re also transparent when it comes to education. We want to make it clear that there is inherent risk to trading and that learning how to trade is not an overnight exercise. Managing expectations when it comes to the reality of trading is important for both the trader and us as the broker. We don’t want our clients losing money because they have certain knowledge gaps and assume they’ll become rich overnight. We only accept those that meet certain criteria and ensure that they have a full understanding of the risk associated. e. act and keep new clients. Of course, there are costs associated with measures we've taken to ensure our operations are as transparent as possible. However, our philosophy is that what's best for the client is best for

us over the long-term, regardless of costs. The awards we’ve won are evidence that our transparent approach is paying off and we plan to maintain the same approach for the foreseeable.

As ATFX is following the philosophy of transparency, what part of it is most important for traders? - We understand that our clients want the best trading services at a reasonable cost and we strive to give them the lowest spreads and commissions. We will always update our clients as quickly as possible when there is a higher risk of spreads widening due to increased volatility. For example, we've been warning clients about the possibility of price gaps occurring on Mondays due to events over the weekend. We are constantly striving to offer the clients safe, fast and high quality withdrawal procedures. Transparency here is critical for clients to feel comfortable that their funds are in safe hands. To increase transparency our procedures are the same every time, efficient automatic procedures make withdrawals as seamless as possible


While making withdrawals easy, we also have a layer of strict finance auditing. This is to ensure that funds are safely returned to clients. We’re upfront with what is required to make sure the client feels they can access their funds easily as well as feeling that their funds are secure. Professional assistance is also on hand to help with any withdrawal or any procedure you may be struggling with. Forex traders nowadays have an abundance of brokers marketing their services to them and many are spoilt for choice. Therefore, we are seeing Forex traders choosing brokers that appeal to their unique needs. Traders need tailor-made services such as deposits in their local currencies, multiple deposit options and customer service in many languages. The online trading industry has shifted significantly over the last few years and brokers now have to do more in order to attr In the end, what can you tell traders and market participants about updates and developments for 2020? What will be the main advantages of ATFX? - We're transforming the way we deliver our trading education. From a partly offline method, where

atfx.com/uk

we organised multiple live seminars, to a fully online system, at least until the COVID-19 situation passes. We'll continue to host online education seminars where we can connect with traders on a one-to-one basis. Webinars and online meeting technologies have significantly advanced so that traders can now ask the hosts direct questions, just like a physical seminar. We're excited to convert all our planned webinars into online events where we can personally interact with our clients and help them on their trading journey. ATFX is also planning on increasing the number of trading tools available to our clients. Additions include Dow Jones Newswires and WebTV to help our traders in their decision making. We believe that by equipping traders with the right tools and educational resources, their results will improve. In turn, if they're performing better, they're more likely to stay with us for a longer period of time. We understand that we can only win if our clients are also winning.

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67.02% of retail investor accounts lose money when trading CFDs withthis provider. You should consider whether you can afford to take the high risk of losing your money. Legal: AT Global Markets (UK) Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. FCA registration number (760555). Registered Office: 1st Floor, 32 Cornhill, London EC3V 3SG, United Kingdom. Company No. 09827091


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MacroeconomyÂ

The most important data for June 2020

EURO AREA MANUFACTURING PMI

V

UNITED STATES MBA MORTGAGE APPLICATIONS

UNITED STATES GDP GROWTH RATE

UNITED STATES DURABLE GOODS ORDERS

UNITED STATES CORPORATE PROFITS

UNITED STATES PERSONAL CONSUMPTION EXPENDITURE PRICE INDEX

JAPAN UNEMPLOYMENT RATE


5 Mistakes to Avoid While Investing in Stock Market By Richard Conard The current fall in financial exchanges, coupled with an atmosphere of cynicism in the offer market, requires intelligence in stock management and maintaining a strategic distance from the five regular games that I think most long-distance speculators do during a fall in the offer market. The facts confirm that your valuable reserve funds must be guaranteed and developed, which makes me quote Ayn Rand: "Wealth is the result of man's ability to think," so let's think and keep a strategic distance from these five basic mistakes. Disclosing the primary disadvantages to avoid in the fall on the stock exchange. 1. Be affected by transient misfortunes in the offer market. I have always urged young financial experts to help keep long-term capital increases from freezing if their offer estimates drop rapidly in just one year. It is not prudent to offer them a strategic distance from other dives. A solid, unchanging reality about the offer market is that it is subject to high and low points. The cost of the offers would increase out of nowhere, and sales would make it difficult to recover your portfolio to meet established budgetary objectives. The offer market resembles a democratic machine in the short term, and a benchmark in the long run; therefore, creating long-term capital requires buying shares in a profitable offering market. can't see my capital fluctuating.

2. Short offer to obtain benefits. Short selling of shares at a higher cost, in the sense of replacing them by buying at a lower price, proved to be dangerous for some financial experts. They all soon understood that, in all cases, it was better to have a cotton shirt on their backs than the hope and failure to get a silk shirt and no shirt at all. Individuals accept that venture capitalists and large stockbrokers will have the option of anticipating the market. With the chance to assist and follow them, we will have the opportunity to make money on short sales and F&O exchanges quickly. Is that so? In the case of project specialists who will have the option of accurately forecasting the market that they will not compose or hold meetings about in the media. They will be silently guarding and bringing money without discovering its mystery. Most of the big names in the stock brokerage segment were opening new branches at heart during the 50% of 2007 (when the market was approaching 20,000 levels), anticipating that the market should rise further, and thus, their organizations will develop. In any case, within half a year, advertising had dropped. In the other 50% of 2008, these organizations chose to change their most updated branches at heart, as they were anticipating an additional disadvantage.


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5 Mistakes to Avoid While Investing in Stock Market Anyway, again in the next half-year, the advertising began to recover. Never bargain during a slump in the offer market, but keep it up and contribute more if you can get significant returns in the future. 3. Purchasing penny stocks from complex organizations instead of parts of presumed organizations. The market fell. You can contribute now. Countless speculators are victims of putting resources in penny stocks. You can believe that you will progressively receive several offers when purchasing penny stocks as you will not receive many shares for a similar amount, with the chance to decide to place resources in huge or medium-sized organizations. It is a full board that, instead of putting resources into long-standing flourishing organizations, a less accomplished organization promises a decent long-term return. It would help if you refrained from placing a considerable amount of obscure stocks. It is consistently appropriate to face determined challenges and not apparent hazards. When you put resources in a dime, you face a visually damaging challenge, which every capable financial expert willfully avoid.


4. Standing firm on stock costs should fall further before buying. The moment the market falls, this is an ideal opportunity to start contributing. Try not to trust business sectors to scrape the bottom. It is not easy to recognize the base and help. When you realize this is the basic level, the market could have fallen back. Offering market speeches in the media continually confuse us. By the time the market was at 20,000 levels in December 2007, everyone in the media was predicting and breaking the chances of the market reaching 30,000 levels. In any case, the markets had consequently crashed by the time they reached the 8600 levels in November 2008, everyone in the media expected to dissect the chance that the market would drop further to 3,000 degrees. Anyway, the markets have rebounded again. Reasonable and perceptive speculators understood this and started to contribute when business sectors began to fall. They chased away from their speculations over time. They followed necessary procedures, such as a deliberate risk plan and a precise exchange plan. 5. I needed exceptional earnings, but I can't see my capital fluctuating. Some young and middle-aged financial experts put resources into exceptional income portfolios with a ton of introduction, and understand that their collections have dropped 15 to 20%, with a drop in the offer market in just 3 to 4 months. Their frenzy and the option to sell their offerings to reinvest the equivalent in fixed-return speculation, such as Bank or organization stores, is not right, and I would urge them to take a break. His current misfortune and the

the reinvestment in fixed stores would take more time to recover the capital and generate considerable returns. The deal consists of joining the offer portfolio and being smart to buy more offers to create long-distance wealth. Conclusion: The Stock Market is an excellent source to earn money, but only if you analyze all the necessary factors of the company before making an investment. Even so many financial experts are also relying on stock screener to analyses the company's historical data and current company performance. I was not able to talk about and mention all the problems in the stock market and its illness but have tried to talk about the major ones which are most common and most affecting. If one gets through this article, I am sure that one will never regret his or her time invested behind reading this article because it will surely help in the future if all of you want to invest in the stock market. My last expression of guidance for longdistance speculators is never to allow feelings or momentary variations to alter your choice of enterprise and always buy in a market with falling offers. I am sure that a careful selection, combined with secure relationshipsBusiness Management Articles, can make your definition of money-related goals a reality.


Top 5 books for financeirs The Ride of a Lifetime is about how good leaders should always remain optimistic. Even when faced with difficult decisions, true leaders know their team won't be motivated by pessimists, so they remain positive. Iger also emphasizes the importance of courage, focus, and thoughtfulness. Something he wrote that resonated with me was that if you believe something can be better (like SPF!), then put the effort in to change it. By Robert Iger CEO and founder, Supergoop Published on Sept. 23, 2019

I recommend this book to anyone looking to start a new business or break through to the next level of their career. It’s full of inspiration and tools needed to be fearless and push forward when you’re ready to make a big change. I wish I had it by my side when starting Warby Parker. By Jean Case Co-founder and co-CEO, Warby Parker Retail Inc. Published on Jan. 8, 2019

This book forces the reader to think about the challenges of our current internet data model and focus on how the data we leave behind online is used to sell to us and predict and influence our behaviour. Everyone should read it, but particularly business leaders who, like me, are committed to models that use personal data to empower people and to ensure real competition and transparency that truly allows consumer choice.

By Shoshona Zuboff Executive chairman, Banco Santander SA Published on Jan. 15, 2019


I inhaled Loonshots, by physicist-turned-entrepreneur Safi Bahcall. The book considers the factors that allow good ideas—and especially, good, crazy ideas—to get off the ground. Bahcall borrows from physics, writing that most organizations exist in discrete phases. Some are good at the new; some are better at refining what’s worked already. What I especially liked was his analysis of those occasions when an organization straddled the line between the two, managing to create the future while keeping pace with the here and now. Stephanie Cohen Chief strategy officer, Goldman Sachs Group Inc. Published on March 19, 2019

This is a compelling historical fiction based on a remarkable individual, Varian Fry, who bravely worked to smuggle artists out of France during World War II. Orringer evokes a vivid sense of Marseilles, the Vichy functionaries, and the remarkable people committed to save the lives and the cultural legacy of notable artists (Marc Chagall, Hannah Arendt, among them). The clever schemes to organize escape routes across the Pyrenees and the Atlantic carry the gripping narrative, but the insightful exploration of the inner lives of the characters lifts this novel to a different level. Highly recommended as an escape to a different time and place when principles and lives were on the line every day, and personal choices really mattered. By Julie Orringer Chairman and CEO, Clayton Dubilier & Rice LLC Published on May 7, 2019


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Self trading Saqs Investment with our partners are giving competitive trading options with trusted brokers and low commissions for your trading. Saqs Investment portfolio managers and brokers are not giving any trading signals or analysis and don’t share responsibility for trading results. Our team can only support with technical aspects of trading Payday Agreement duration Strategy Cancellation TAX Commission from SI Payment wire

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Jamie Dimon About Crisis JPMorgan Chase CEO Jamie Dimon said Tuesday in a memo that the coronavirus crisis should be used to build an economy that offers opportunities for “dramatically more people.” The memo, issued ahead of his bank’s annual shareholder meeting, served as an update to the New York-based lender’s response to the pandemic. Dimon also detailed the steps his firm has taken to support customers and employees since the crisis began two months ago, as well as his thinking about returning employees to work sites. “It is my fervent hope that we use this crisis as a catalyst to rebuild an economy that creates and sustains opportunity for dramatically more people, especially those who have been left behind for too long,” Dimon said. “The last few months have laid bare the reality that, even before the pandemic hit, far too many people were living on the edge.” Since the coronavirus pandemic took hold in the U.S., 36.5 million people have filed unemployment claims, and the toll has hit lower-income workers hardest: Nearly 40% of households with incomes of less than $40,000 have reported a job loss, the Federal Reserve said last week. Even for those with jobs, the crisis exposed another disparity: While office workers have mostly been able to work from their homes, lower-paid work is more likely to require in-person activities, putting those employees at greater risk of infection.


May 19, 2020 The impacts of the COVID-19 pandemic continue to reverberate within our neighborhoods, workplaces and homes and throughout our economy. In my annual letter to shareholders last month, we described the actions our firm is taking to support our employees, customers and communities. Things are changing quickly, so I wanted to update you on our recent efforts. I also want to share how we are thinking about and preparing for not only the safe re-opening of our economy, but also laying the foundation for an inclusive recovery that unlocks economic opportunity for more people. From the outset, our priority has been to continue to provide uninterrupted service to our clients and customers, while supporting and providing a safe work environment for our employees and helping those communities hit hard by the COVID-19 pandemic. Responding to the needs of our customers and clients To help customers who have told us they are struggling financially, we have made it easy to enroll in a payment assistance program. To date, we have provided assistance to over 1.5 million customer accounts, including delaying payments and refunding fees across our business banking, home lending, credit card, deposit and auto lease and loan accounts. And, we are quickly and prudently putting our capital and liquidity to work to help our clients – large and small – weather the crisis, pay their workers and bills, and provide the essential goods and services on which we all depend. of company.

““Unfortunately, Included in this, low-income are hundreds communities of thousands of homeowners and people of color we’ve are being helped hit by the delaying hardest, their mortgagethe exacerbating payments health forand at least economic three months. They inequities thatwon’t werebealready chargedunacceptably a late fee or penalty during pronounced before this the time. virusWetook are over,” also available Dimon said. to discuss extensions for many customers who need more time to recover, and upon “An inclusive request economy and if –eligible, in which we there can add is the option toaccess widespread move missed to opportunity payments–toisthea end of their stronger, more mortgage resilient term. economy,” he added. “This crisis must serve as a wake-up call and a call In March to action andfor April, business we approved and government more than to $45 billion think, act and in invest new credit for thefor common our clients good impacted and confront by COVID-19. the structural This included obstaclesmore that than inhibited have $6 billioninclusive to hospitals economic and growth healthcare for companies, years.” educational institutions, nonprofits and state and local governments. For example, Dimon said he would we worked soon share withhisNewYorkideas on Presbyterian how the rehiring Health of workers System and – which reopening has seen of a significant small businesses increase could in overnight help create patients a more as a result ofeconomy. inclusive COVID-19 – to increase their line of credit so they could acquire vital medical supplies As for theand shareholder equipment meeting, and which bring was on additional held onlinestaff. because of the pandemic, all of the bank’s directors were elected with at least 84% We’ve of the alsovote. assisted our corporate clients in raising capital, including many in industries that In opening have been remarks hardforhitthebyevent, the pandemic, Dimon -from who had healthcare emergency to travel heartand surgery transportation. in March -Year that said to date, he was we’ve in “good helpedhealth” clients and raisehappy $664 billion to have in returned investment to the helm gradeoffinancing, JPMorgan.and also provided $104 billion of high yield financing. Read the full memo here: An Update onduring Additionally, JPMorgan the Chase’s first 60 Response days of the to crisis, we extended $950 million in new loans COVID-19 for our small business clients, such as Kids Klub Child Development Centers, which offer preschool, daycare and after school programming. The Los Angeles-based company was in the middle of

is precisely why we work so hard to be that kind of company.


constructing a new location in Seattle when the crisis hit. We worked with them to accelerate access to critically needed funds to finish construction and continue paying their 200 employees while they closed down and revamped their centers to provide care for children of essential workers. We’ve also worked to help as many of our customers as possible receive loans through the SBA’s Paycheck Protection Program (PPP). For example, we helped the Jupiter Hotel in Portland, Oregon maintain its workforce as they converted 81 rooms into a shelter for homeless individuals with underlying health conditions or respiratory symptoms but who have not tested positive for COVID-19. We also helped the South Florida Cancer Association keep drivers on their payroll who transport underprivileged people to their radiation and chemotherapy treatments. Since the beginning of PPP, we funded a total of more than $30 billion to over 250,000 businesses, helping to support more than 3 million employees. The average loan amount was roughly $122,000 and half of those loans went to companies with fewer than 5 employees. Helping the most vulnerable in our communities We are using data-driven solutions to help some of the hardest hit communities get through the pandemic – and to help them recover when it’s over. So far, this includes a $250 million global business and philanthropic commitment to support vulnerable and underrepresented communities, existing nonprofit partners and underserved small businesses.

c We know that many small businesses are at risk of being locked out of the resources they desperately need to stay afloat – that’s why $200 million of our commitment is to help underserved small businesses and nonprofits access low-cost capital through community partners. For example, this includes $50 million to Grow America Fund, a Community Development Financial Institution, so they can help small businesses in underserved communities cover expenses such as rent and employee salaries. We are also providing $50 million in philanthropic support to nonprofits working to help communities and people hit hardest by this public health crisis. For example, we provided support to enable the Healthcare Advancement Program (H-CAP) to implement new training programs focused on crisis care and infectious disease preparedness. Our firm has partnered with HCAP over the last several years to train workers for jobs in the healthcare sector, and now these new training programs will prepare workers in New York City, Los Angeles, Chicago, Philadelphia and other cities across the U.S. to fill the shortage of clinical care professionals needed to address the COVID-19 pandemic. And we’re also finding other ways we can help in our communities. For example, we are collaborating with Marriott and others to provide up to $10 million worth of hotel stays for healthcare professionals fighting COVID19 in the United States. The initiative is providing free rooms to first responders in locations such as New York City, New Orleans, Chicago and Detroit.o be that kind of company.


Supporting our employees as we move toward re-opening our economy Our employees’ safety and wellbeing is a top priority, and we’ve taken extensive steps to support them during the crisis, including extra time off for all and expanding access to medical resources, internally and externally. As we continue to address the immediate health and humanitarian impacts of the COVID-19 pandemic, the public and private sectors are developing longer-term plans to re-open our economy. Protecting people’s safety is important, which is why we must look to public health officials to guide the timing and sequencing for lifting restrictions. Securing the proper amount of equipment, testing and monitoring, hospital capacity and other tools and processes in place will be essential in giving people confidence they can safely return to work, school and other public spaces. As we develop our strategy for returning more employees to working on-site, the two principal considerations driving our approach are using the latest data and information to do it at the right time – which may differ by region, state and country – and prioritizing the health and safety of our employees. We are working to identify what changes may be needed to achieve this objective, including reviewing our current office configurations and protocols. We are also coordinating with and seeking guidance from government entities and health authorities. Rebuilding a more inclusive economy In the midst of today’s uncertainties and the acute impacts – with unemployment high and little economic activity – it’s hard to plan for the future. Yet to lay the foundation for the kind of recovery we need, it is critical

we do so. It is my fervent hope that we use this crisis as a catalyst to rebuild an economy that creates and sustains opportunity for dramatically more people, especially those who have been left behind for too long. The last few months have laid bare the reality that, even before the pandemic hit, far too many people were living on the edge. Unfortunately, low-income communities and people of color are being hit the hardest, exacerbating the health and economic inequities that were already unacceptably pronounced before the virus took over. An inclusive economy – in which there is widespread access to opportunity – is a stronger, more resilient economy. This crisis must serve as a wake-up call and a call to action for business and government to think, act and invest for the common good and confront the structural obstacles that have inhibited inclusive economic growth for years. From the re-opening of small businesses to the rehiring of workers, let’s leverage this moment to think creatively about how we can mobilize to address so many issues that inhibit the creation of an inclusive economy and fray our social fabric. We look forward to sharing more ideas soon for how to do this. By doing the right thing during times of crisis, we can emerge stronger and more cohesive in its wake. Finally, we are proud that our firm has been well equipped to quickly step up and provide significant resources and support because we entered this crisis in a position of strength. This is a direct result of the actions and investments we’ve made over many years to build a strong, resilient company. We believe it’s our responsibility to be there for the people who rely on us in times like this. This is precisely why we work so hard to be that kind of company.


5 best islands to visit in August

1.Fiji Drop-dead gorgeous Fiji is a filmmaker's dream. Spy its Mamanuca island chain in Cast Away and Survivor; ogle its Yasawa archipelago in the 1980 version of Blue Lagoon. A dizzying amount of natural beauty — from mountains and mangroves to rivers and reefs — swathes Fiji's 333 islands, and awe-inspiring wildlife (whales, sea turtles, dolphins, parrots) is the icing on the cake.For scenery with a side of luxury and exclusivity, reserve a bure (villa) at one of Fiji's numerous private-island resorts.


2.Samoa Known as the Cradle of Polynesia, Samoa is notable for its “Fa’a Samoa” way of life. It’s a 3,000-year-old social code that prizes family, tradition and the environment. Happily, the landscape is as lovely as the local culture.On the main island of Upolu, a plunge into the To Sua Ocean Trench swimming grotto is a must. On Savaii, Samoa’s largest island, visit caves, waterfalls, blowholes and the Saleaula lava field, formed by a 1905 volcanic eruption that buried five villages.


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Palawan is the Philippine's answer to paradise. This island province stretches southwest to Borneo with lush limestone peaks rising from a jewel-like sea so clear, that you can almost see the expressions on the fish from above the surface. Slivers of gleaming white sand fringed with rustling palms rim many of these jungleclad islands, while under the water, coral reefs flourish with an impressive diversity of tropical fish, offering some of the best diving in the world. Other attractions include the islands' unique wildlife, emerald lakes, and quaint fishing villages. Coron is home to plush resorts, and El Nido drips with natural beauty and is one of the most alluring islands in the chain. From here, you can island hop around the spectacular Bacuit archipelago. One of Palawan's top attractions is the World Heritagelisted Puerto Princesa Subterranean River National Park, an impressive limestone cave system with a long underground river.

3. Palawan, Philippines


4. Sardinia, Italy


Blissful white-sand beaches, rugged coastal peaks, mouthwatering cuisine, a unique blend of cultures, and ancient archeological treasures: What's not to love about this saucy Italian isle? Most travelers have heard of the glamorous Costa Smeralda, or Emerald Coast, with its craggy coves and clear green seas, but this large and diverse Mediterranean isle also lays claim to many other attractions. Sardinia is home to the largest canyon in Europe, Gola su Gorropu; prehistoric archaeological sites; the captivating Catalan-tinged town of Alghero; and the medieval streets of Cagliari, the capital. While you're here be sure to cruise along some of the scenic coastal drives and soak up the spectacular views.


5. Bermuda A visit to Bermuda means that there's a good chance you'll see men milling about the capital city of Hamilton dressed in crisp and prim business shirts, tucked neatly into seemingly casual short trousers. Their "Bermuda shorts" fit well into the mystique surrounding these lonely islands of the Atlantic – islands that hold tight to their British customs, elegance and etiquette, but still know how to let loose under a subtropical sun.Usually, the people who visit are looking for a little luxury. Top activities include spa treatments and afternoon tee times. Need a break from the golf clubs or a change of pace after your facial? Try stretching out on the dazzling pink sand at Elbow Beach or Horseshoe Bay Beach, strolling past the old-time buildings in Historic St. George or polishing up on your naval history at the National Museum of Bermuda. These islands don't put on a pretense of being "hip," but they do offer a charming old-school sophistication that's hard to find anywhere else.


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The Financier, Issue 5 May 2020  

The Financier, Issue 5 May 2020  

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