Rancho Santa Fe www.RSFMagazine.com
MAGAZINE
WELCOME TO THE FUTURE
CONSUMERON
MARK B. BARRON, FUTURIST
When Only Perfection Will Do LIC # 970030
Call for Your Free Consultation Today 619-274-8220 www.CharcoDB.com
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“Le Palais”
CresCent PalaCe Beverly Hills, California
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“Le Palais”
the Crescent Palace Beverly Hills, California MOHaMeD HaDID MasterPIeCe surrounded by statuesque palms and gorgeous olive and magnolia trees in the very heart of Beverly Hills, this three-story, approximately 48,000 square-foot masterpiece is ultra-private and yet adjacent to the magnificent and historic Beverly Hills Hotel. the 1.09-acre estate is softened with lush foliage and specimen plantings, a swan pond and a pool worthy of royalty.
9577 SUNSET BLVD, BEVERLY HILLS
OVER 36,000 SQUARE FEET OF EXQUISITE DESIGNS WITH HAND PAINTED DETAILING. AN ENTERTAINER’S PARADISE, EXTRAORDINARY SCALE. NO EXPENSE HAS BEEN SPARED IN THIS FAMED 3 LEVEL FRENCH PALLADIAN ESTATE.
www.theCrescentPalace.com
OFFERED AT $55,000,000 WWW.9577SUNSETBLVD.COM
JOYCE REY 310.285.7529 joyce@joycerey.com www.joycerey.com
JOyCe rey, exeCutIve DIreCtOr Office 310-285-7529 Cell 310-291-6646 joyce@joycerey.com www.Joycerey.com
staCy GOttula Office 310-281-4365 Cell 323-610-7191 stacy@stacygottula.com www.stacyGottula.com
JADE MILLS 310.285.7508 homes@jademills.com www.jademills.com
©2011 Coldwell Banker Real Estate LLC. Coldwell Banker®, Previews®, and Coldwell Banker Previews International® are registered trademarks licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned And Operated By NRT LLC. Broker does not guarantee the accuracy of square footage, lot size or other information concerning the condition or features of property provided by seller or obtained from public records or other sources, and the buyer is advised to independently verify the accuracy of that information through personal inspection and with appropriate professionals.
Coldwell Banker Previews International, 166 North Canon Dr, Beverly Hills, CA, 90210
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Luxury Motors:
BENTLEY MULSANNE
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B
entley name has become synonymous with power, luxury and status and is no doubt one of the most sought after luxury cars by the rich and famous. Bentley has reputation of building ultra luxury cars that is filled with all the materialistic and creature comfort desired by the rich and affluent. Mulsanne offered by Bentley is a true amalgamation of past meeting the present. The design is classic yet contemporary and with the performance and luxury on offer translates every journey into a memorable ex-
perience. It’s truly a magnum opus and one of the best cars to come out from Bentley marquee. Bentley Mulsanne is truly a remarkable car, a rare combination of superior styling, sportiness and elegance. It features a bold frontal design reminiscent of older Bentleys. It features prominent matrix grille along with round inner headlamps with chrome surrounds embossed with the Bentley name. Latest technology and superior craftsmanship goes into the making of
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these ultimate creations which includes hand brazing different thickness sheets to create seamless fit and advanced processes like super forming. Other prominent exterior feature is the long bonnet; short front overhang and long rear overhang along with muscular haunches and sharp sculpted lines lending the car a truly dynamic and elegant form.
sill plates. It also features front seats with 12-way electronic adjustment and rear seat with 8-way electronic adjustment, 4 zone air conditioning, multi function steering wheel, mood lighting, 8� high-resolution color screen, Central Multi Media Interface (MII), 60GB hard disc, 6 CD changer, Sat Nav, Intelligent airbags and 3 point seat belts.
The interior of Mulsanne is undoubtedly one of the best in the segment. The attention to details is impressive and provides a truly luxurious and uncompromised interior space. One of the unique styling features is the continuous wooden waist surrounding the entire cabin and famous mirror matched veneers providing perfect symmetrical pattern across the entire car. Other prominent interior features include aviation style dials, compass, infotainment system, vehicle and trip information, boot trimmed in leather and carpeted to match interior cabin along with stainless steel
The heart of this magnificent beast is the 6.75 liter twin-turbocharged V8 engine with cam phasing and variable displacement. This incredible engine is capable of producing maximum power output of 505 bhp @ 4200 rpm and an incredible peak torque of 1020 Nm @ 1750 rpm. The engine is mated to an 8-speed automatic transmission with electronic shift interface, sport mode and steering wheel mounted paddle shift. It is capable of accelerating to 62 mph from standstill in just 5.3 sec and has a top speed of 184 mph which is amazing considering the enormous proportion of
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it. Other prominent performance and safety feature include electromechanically controlled air spring with Continuous Damping Control (CDC), Automatic Ride Height Control, Drive Dynamics Control, Electronic Stability Control with ABS and EBD and Direct Tire Pressure Monitoring System among many other features. Bentley Mulsanne is truly a gem of a car and will surely appease the taste of the rich and famous. This car like other cars of Bentley is an incredible combination of classic design integrated with ultra modern luxuries and superior performance making it one of the most prominent luxury cars of our time. It is priced at $ 328,365 making it one of the most expensive cars, but it’s worth every single penny spent owning to its classic design, luxurious interiors and unmatched performance.
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The
Barron Concierge
WELCOME TO THE FUTURE 16 | RSF MAGAZINE • rsfmagazine.com
Sacrifice, sacrifice, sacrifice. You won’t get far in business unless you are willing to put in the work.
M
Mark B. Barron is the CEO and inventor of CONSUMERON, the first international model to offer the world marketplace a cutting edge of futuristic technology: a personal assistant at the touch of your fingertips, shopping and delivering anything you may need within the hour.
r. Barron is the Baron. He wasn’t born into this role and he’s no noble. He created it. He invented everything that he has with the business man model including a touch of gutsy moves. Mark B. Barron has become: A true modern man, success story and a man of achievement. In this way, he is a noble man- A True Barron.
He is an entrepreneur, inventor, and futurist. Mark’s newest creation, CONSUMERON, is the only business of its kind and as such, he patented it. Mark holds the patent for the world’s only mobile tele-presence technology that will allow users to have their very own personal assistant hand deliver product orders within 60 minutes. Find out more at www.CONSUMERON.com
How did this idea and business opportunity come to Mark? He saw a need. And, he filled it. Mark notes that in this 2013 world of modern technology, we should all be able to have items at the touch of a button. He lists our options as: web ordering like Ebay, Amazon, and Google, or delivery like UPS, FedEx, PostMate or USPS. Personal assistant agencies exist- but so does high turnover. Where then, he asked, was the financially suitable model for high level CEO’s to extract exactly what they need at exactly that moment- quickly, easily, and with user friendly technology? His business mind began to work. As a world traveler, Mark believes cities like London, Paris, Los Angeles and Manhattan offer the cutting edge OF technology
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but not the cutting edge of meeting needs. If, for instance, a CEO could have 40 bottles of top shelf champagne delivered for his impromptu workplace party within the hour- would he? He would. The issue is now, could he? What are his options? This CEO could drive to the nearest Costco and purchase these bottles at $37 each. Then, drive them back to work. Is this really suitable for a metropolitan lifestyle? Or, he could go to his local market and pay $60 each within the city. Where is the refined and suitable option for the customer meeting his needs at his level? Mark’s got it. CONSUMERON owns the patent to offer a mobile assistant, an assistant-minded person traveling in a green-energy car with video technology and smart phones allowing this CEO or customer to choose a selected product, research prices, confirm product, purchase product, and have the product delivered- all through their very own tele-mobile assistant. Like your assistant? Put him or her on your favorites
Be smart. Work hard. Have balls.
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list. Prefer Assistant Sebastian’s choice in luxury items over Assistant Jake’s? Fine. You have visual ability on all assistants available for the day and for your needs. Imagine looking at a screen of available assistants for the day and branching them out for each of your needs. Just how UBER cracked the code for limo service in New York City, CONSUMERON will be the game changer in last mile delivery and courier service in the world. Mark has created and patented a mobile shopping platform including the best technology, traveling options, and purchasing competition all through mobile visual technology for the client- INCLUDING the client in every choice. Now, a customer can have what they want, when they want it, even if they want it NOW. Saving more time, and living a life efficiently.
Take risks: It’s all numbers. You can’t buy time but you can steal time. Do it. Make it happen. Period.
That’s the difference between CONSUMERON and anything else out there that doesn’t match up. Mark’s invented a platform that caters to the e-commerce client. This model uses existing technology and expands the platform, creating jobs and securing the mobile assistant on demand and e-commerce market. In 10 years, Mark B. Barron will be a very popular name. Up there with the likes of Bill Gates. He’s offering a luxury item to the masses at affordable rates with stellar service. Just like Bill Gates did with the Personal Computer, the “PC.” Now, CONSUMERON will no doubt be the first in this line of mobile tele-presence assistant technology and products offered on the personal level. Mark’s been a CEO in the brokering, consulting, inventing, and engineering fields for the last several decades. He’s business to the core. He knows the need for the CONSUMERON product because he is the client. He lives the lifestyle. Mark believes in the 21st century and is creating this e-commerce model, or remote control shopping with live video, to suit the needs of his industry- which also happens to be the future industry. He’s a bit of a maverick. Think Mark Zuckerberg meets Bill Gates meets Mick Jagger. Yes, he’s that cool. Seriously. And on August 14, 2012 he cracked the code for the CONSUMERON patent, No. 8244594, detailing his “method for remote acquisition and detailing of goods.” The patent drawings are insane. This guy’s brilliant. Shortly, the worldwide market will be offered a personal assistant who virtually communicates using the best technology, saving money, giving a choice of product and delivering it to your doorstep. Are you ready? The future is here.
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Jet Aircraft:
Gulfstream G550 The Gulfstream G550 – The flagship of the Gulfstream Fleet, is one of the most successful and well-recognized business jet aircraft manufactured in the world and is the leader in large-cabin business jets. The Gulfstream G550 is the world’s most luxurious, versatile and accomplished large-cabin ultra long range inter-continental business jet aircraft in its class produced by Gulfstream. 20 | RSF MAGAZINE • rsfmagazine.com
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hen looking for a long-range, largecabin private jet aircraft for the ultimate luxury experience, Gulfstream stands out above the rest. With intelligent and innovative engineering, the G550 outshines its competitive predecessor. The G550 manages to make just the right amount of changes to improve in every area possible – faster, further, bigger and more advanced. It is without doubt that the G550 offers upstanding intercontinental performance without sacrificing comfort or extravagance. The G550 is powered by two enhanced Rolls-Royce BR710 turbofan engines that allow it to fly from high elevations, extreme desert heat, through the strongest headwinds and launch from short 3, 500 ft runways with more than enough fuel to carry 8 passengers coast to coast. These engines produce a tremendous
amount of power, allowing the G550 to travel longrange distances without refueling and complete record-breaking missions. The G550 easily links Washington, D.C., with Dubai, London with Singapore and Tokyo with Paris. Fly in luxury, style, comfort and confidence aboard your own Gulfstream G550. With the capability to fly 55% farther than its closest competitor, this large-cabin ultra-long range G550 keeps you and your staff at the top of your game, giving you the confidence, capability and comfort to travel where you want, when you want, on your schedule while completing any flight mission in style. The Gulfstream G550 jet aircraft sets the ultimate standard in luxury business travel across the world. To learn more about the brand new luxurious Gulfstream G550 corporate jet for sale with immediate delivery and Q3 of 2013 delivery positions, call Atlas Jet Group at +1-602-753-8838 today.
SPECIFICATIONS Crew: Two Pilots (minimum) – Two Corporate Flight Attendant’s Passengers: 14-19 Full Lavatory: With Shower Maximum Speed: Mach 0.885 Mach (585 mph, 941 km/h) Long Range Cruise Speed: Mach 0.85 (488 kn, 562 mph, 904 km/h) Fast Cruise Speed: Mach 0.87 (516 kn, 595 mph, 956 km/h) Range / Long Range Cruise: 6,750 nautical miles (7,768 miles, 12,501 km) Range / Fast Cruise: 6,000 nautical miles (6,906 mi, 11,112 km) Maximum Altitude: 51,000 ft (15,000 m) Cabin Size: 50 ft 20 in / 15.30 m (length) x 7 ft 35 in / 2.24 m (width) x 6 ft 17 in / 1.88 m (height) Baggage Compartment Volume: 226 ft³ (6.4 m³) Power Plant: 2 × Rolls-Royce Deutschland BR710 turbofan, 15,385 lbf (68.44 kN) each
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Exclusive Honeymoon Getaways
Congratulations for entering a brand new phase of your life by tying the knot. Conversely, if you have been married for a while then congratulations for planning your honeymoon! It’s time take a break and spend some peaceful, cozy and quiet moments with your spouse. What destination would you like to take your sweetheart to? View our exclusive selection of the top 5 destinations for the newly married and make your trip a memorable one.
Caribbean
Y
ou can plan your ‘Great Escape’ and visit the Caribbean which features 7000 islands, reefs, islets, and cays; which is the perfect getaway for the newlyweds. The exotic beaches, crystal clear water, golden sands, and beautiful sunsets will take your breath away. You could go yachting, or dive into the water or simply relax
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on the beach. Leading hotels of the world – A hotel chain has various hotels in Caribbean, check online to find exclusive packages. The best time to visit is from December to April. However, you will find good bargains in May and April. Rains and hurricanes are likely to occur during June to October.
Chile
I
f you find tropic a bit trite, then Chile is the perfect option for you to romance in. In South America, Chile is one of the most beautiful and striking countries. It is a peaceful country with low to no crimes.
The landscape is savage and distinct. Some amazing places include the Atcama, a hot and dry desert
stretches in the north, and a mountainous patches that cover Southern Patagonia. You can also witness the wilderness and beauty of Torres del Paine National Park. The country has amazing adventure options as well from climbing volcanoes to strolling through vineyards, yachting, and exploring glaciers, geysers and lakes. rsfmagazine.com • RSF MAGAZINE
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reece, an ancient country which is surrounded by the crystal clear waters of the luxury Mediterranean basis is situated at the end of Balkan Peninsula. If you are fond of visiting historical places then Greece is the place for you. Monumental sites and exotic islands add up to the excitement. It has a perfectly sunny weather, combined with a mixture of isolated rustic accommodations and trendy hotels that are exclusive to the country. The excellent Mediterranean cuisine will tantalize your taste buds for sure.
Greece
D
o you have an artistic nature and love art? If yes, then visit Italy; here you will find fine art, magical landscapes, excellent cuisine and lots of wine. Tuscany is an ideal location to spend your honeymoon in romantic surroundings which are close to historical sites for Florence and Pisa. This place is a perfect blend of Alps, olive groves, charismatic vineyards, rolling hills, olive groves and sandy beaches and a laid back atmosphere.
Italy
The perfect time to visit this place is spring, as the weather is pleasantly warm and the fields are covered with flowers. You could take a jet aircraft and watch the astonishing view from the skies!
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T
here is no place as diverse and romantic as Mexico. Whether it’s the azure waters of the Pacific cost, or Yucatan’s stunning reefs perfect for diving and snorkeling; excellent food, night life and mystical Teotihuacan site are sure to make your honeymoon an unforgettable one. You can indulge in thousands of luxury outdoor activities or visit historical sites and experience rich history; you wouldn’t want to leave the country without spending a few memorable weeks.
Mexico
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Dream Cars:
B6 Venator
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Spyker is probably the oldest car manufacturer in the history of automobiles. Founded in 1880 by Dutch coach builders Jacobus and Hendrik Jan Spijker it is known for their high performance luxury sports cars.
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T
he dream cars produced by Spyker are artistically designed and are a rare combination of futuristic design taking cues from classic design and hightech engineering. The latest on offer from Spyker is the B6 Venator. Venator stands for “Hunter” in Latin and truly this dream car has all the qualities of a predator in it and fits aptly in the company’s Latin axiom of “Nulla tenaci invia est via” meaning “For the tenacious no road is impassable”. The design of B6 Venator is truly stunning and highly detailed. The smooth flowing lines add an old world charm to it and lend an elegant and gracious touch
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to it which is missing in today’s dream cars. The most prominent feature is the classic trademark radiator grille with 1903 Spyker logo. Other prominent feature is the aerodynamically shaped glass canopy that extends to the rear providing incredible visibility along with minimizing drag and improving performance. The aerodynamically sculpted air intake looks mesmerizing and lends an elegant touch to the overall design along with feeding air to the engine. The headlights along with day light running LED lend the car an aggressive and muscular look. The design is detailed and high-grade aviation-inspired elements have been used in construction of this exotic beauty. The rear fea-
tures brake lights with stunning 3D LED effect similar to the exhaust nozzle of a jet engine sculpted into the rear panel design. It features 19” Turbofan wheels with mirror polish finish lending an elegant and sporty look to the car. Spyker B6 Venator has one of the best interiors among super cars. The attention to details is amazing and the interior is crafted using finest of materials like leather and aluminum. The interior space resembles an airplane cockpit and provides an incredible cabin experience that’s truly amazing. Some prominent interior features include the red cover on ignition switch similar to that in an airplane along with the unique engine start/stop button. The gear shift mechanism is unique, handcrafted and exposed clearly inspired by Spyker’s early aviation heritage. The sport seats are covered in premium leather that are sourced from Litano range provided by Royal Hulshof Dutch Tanneries lending a rich and soft feel to it. Other premium options include diamond stitched quilted finish and Alcantra inserts along with host of other personalized design proposals. The detailing of the switches, center fascia and
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dashboard is exquisite and lends an old world charm translating to an unmatched luxury and driving experience. The heart of this captivating dream car is the transverse mounted V6 engine capable of producing more than 375 HP. The engine is mated to a 6 speed automatic transmission. Since the car is in concept stage and will be available to retail customers only in 2014 not much is known about other specific engine details. But rest assured it won’t let you down on the performance front. Spyker B6 Venator is an excellent option for people looking for a high performance super car with classic design cues. It is sure to captivate car enthusiasts with its elegant and graceful design coupled with incredible performance. This car is priced at $ 150,000 making it one of the most expensive cars on offer in its segment but it’s worth the money spent, offering a modern yet classy design along with decent performance making it a must have dream car in the garage among the majestic Bentley’s and Maybach’s.
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Erik Coffin
The Golden Boy Erik Coffin is the founder and CEO of Gotham Capital Management, Inc., and Gotham Corporate Group, a full service real estate firm with affiliates including; Gotham Properties International, Gotham Commercial, Gotham Management Group, Inc, Gotham Construction, Inc, Gotham Green Construction and Gotham Architecture. Mr. Coffin operates offices in Beverly Hills, West Hollywood, Palm Springs and additional offices currently opening in San Francisco and Beijing. 30 | RSF MAGAZINE • rsfmagazine.com
H
is highly entrepreneurial approach to real estate makes him one of the most successful business leaders in today’s global marketplace.
Erik describes himself as “drawn toward growth, learning, and adventure.” His operating philosophy has, at its core, a truth of looking out for the better of the average man with honest business, quality service and anticipating the needs of all of his clients.
an interior decorator. As a child his family was poor and he learned how to run business from a young age. He remembers his childhood as a “magical” time where creativity reigned. This blue-collar boy often looked out for his fellow working neighbor while earning a buck, by offering to shovel snow, wash cars, even working the 4 a.m. paper route throughout grade school. Erik’s character seeps of compassion and responsibility. He has a tremendous capacity to understand the needs of his fellow compatriot, undoubtedly the fundamental trait in keeping his businesses successful. These social skills helped him navigate the waters of foster care throughout his child-
This Batman turned his companies into million dollar Gotham’s. It’s clear why this righteous Golden Boy is prevailing, in every aspect. We could say it began with his humble upbringing. His father was a Native American artist who eventually went on to be featured at the Rose Garden in the White House, international embassies, and a list of celebrity homes. Erik’s mother was
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www.GothamProperties.net
hood. This is truly a man who understands the burden of the average man. After high school, Erik found work on an Alaskan salmon boat and in fisheries working 16 hour days and still asking for more work. He was bit early on by the business bug, “I loved being able to provide and the freedom that came with the independence of money and capital that I could earn after a fair day of work.” The creativity and pragmatic atmosphere that work gave him a clarity and “mental health” that propelled him into his subsequent ventures. His business endeavors led him to sales, as many of the greats do, hustling with the best in the perfume and cologne business. Soon thereafter, he owned wholesale outlets in several states and quickly rose to the top. Erik later ended up traveling the world, and after several years in Hollywood as a very successful fine art painter, Erik was
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bestowed the blessing of fatherhood. He was to become a father. He describes it as, “a big change in me, in my spirit.” Suddenly, another business motivation was awakened in him. He began flipping properties in a low-income neighborhood. He began learning about house restoration from reading books and watching YouTube videos on laying tile and building cabinetry. He literally taught himself these skills by learning, reading, and watching from the ground up. Once he conquered the house-flipping industry, he bought a book on real estate, and the rest as they say is history. He purchased his first home and made a 50% return. Just timing you might say? Nope. He did it again, and again, and again. His knack for real estate, mixed with a killer personality, and a do-right mentality are a lethal combination. Good thing this Batman is on the righteous team. He’s so successful, and deserves it all. When
asked the key to his success, Erik notes, “Having a long term, viable business model that supports quality of life and doing the right thing first and profit second.” The difference between Erik and everyone else; his lifestyle truly reflects his beliefs. Gotham’s business includes commercial real estate spanning the greater Los Angeles area as well as dozens of private listings, commercial and residential construction projects, property management, their own private equity funds, asset management for other funds, high net worth Chinese investor relations, and consulting for American Indian tribal investments. Gotham Capital Management and Gotham Corporate Group, under Erik’s direction, provides a one-stop-shop, vertically integrated, roll out red carpet real estate firm. His most recent acquisition? Gotham Corporate Group has just secured three large projects in Beverly Hills: A 22,000 square foot ground up custom home construction where Gotham beat out A-list area’s toughest competition, winning the architectural, construction, landscaping, and interior design contracts, in addition to two other residential homes. Furthermore, in terms of estate management and cultural heritage project management, GCM
Erik Coffin’s Pearls of Wisdom in the Business World: 1. Grow: Let go. Allow other people to grow as well. 2. Make mistakes. 3. Do your best with what you have. Perfection is not possible, but 99.9% of perfection is possible. 4. Number 2 and 3 are the best ways to grow. 5. Keep it simple. Business should be very simple and beneficial for everyone. 6. “I can’t say enough in support of honesty and a generous spirit. When you give, you get.” 7. Practice Kindness. Look out for your fellow human. has been working hand-in-hand with the Chinese community in Beverly Hills, managing their estates and residential rental properties. Erik believes that the greatest value is a long term, mutually beneficial business relationship, which is why he services the children and grandchildren of his clients. As he personally notes, “Having a home, friends, and family is a great feeling.” He wants to offer this security to all of his clients, and, is happy to help maintain these assets. This is the path he is continuing on, both personally and professionally. Erik has built Gotham Corporate Group into the only comprehensive, full-service real estate firm of its kind servicing Los Angeles, Palm Desert, and the global marketplace. To this day, his business motto is: Great success comes from developing a creative, honest atmosphere with the best possible service to clients. Erik and Gotham are truly revolutionizing real estate. He takes the good road, the honest road, every time. Well done. Cheers to the business Batman.
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INVESTMENTSOLUTIONS Where to Invest Your Money
Money Market Funds
Want your money to work for you but don’t have much? It doesn’t matter how much you have, even with as minimum as $20; you have over a thousand options to choose from. However, generally the more money you invest, the better the profit you will earn over a period of time.
Money Market Funds is a low risk investment. They are mutual funds invested in short-term bonds and pay a better interest rate than a savings account but not as well as a certificate of deposit (CD).
Nonetheless, not all investment is good as at times the rate of return (ROI) is not good enough. Quite often, investment may result in a loss as well, which is why one has to be cautious when investing.
Investment in Bonds and Bond Funds are a low risk investment. They are also called fixed-income securities; whenever you sell these bonds, the income paid to you is fixed. When you invest in Bonds and Bond Funds, they are further invested in corporate or government debt obligation. The good thing about this is that you know how much to expect back and there is less ambiguity and tax planning.
If you invest wisely, you will be able to have the luxurious lifestyle that you have always dreamt of. We are here to your rescue and will help you get started. Unlike most other business magazines, we will not waste your time with meaningless words, but give you a solution to your wealth management problem. Before you make up your mind on where you want to put your money, please take a moment and consider the major options available in the market:
Traditional IRA Traditional IRA possesses risk levels as per holdings in the IRA. It’s a personal savings plan that will give you tax advantages for retirement savings. Investments comprise of a variety of securities. Your contributions are subject to tax deduction; however your earnings will not be taxed until they are distributed, which means that you will not have to worry about tax planning.
Roth IRA Risk levels for Roth IRA also vary as per holdings in the IRA. It’s a personal savings plan in which earnings that are maintained in the account are not taxed. Investments in this plan include an array of securities; while your contributions are not tax deductible, which again means that you do not have to worry about tax planning.
Bonds and Bond Funds
Index Funds Upon investing in Index Funds, the risk encompasses around what index the fund is used for. This type of investment possesses a lower risk level than that of an index fund belonging to an emerging markets overseas.
Stocks Investing in stocks bears a medium to high risk level but the results are also good. They represent the share of a company in the market; depending on the company’s value the share is bound to decline or incline in value over a period of time. When investing in bonds make sure you study stock market prices carefully and select a company that has soaring stock prices.
Mutual Funds Risk levels for investment in mutual funds vary as per holdings in the mutual fund. This includes investment in a variety of securities which include bonds, stocks and/ or money market securities. The costs and objectives involved vary. So, what are you waiting for? Go ahead and invest to make your money GROW! rsfmagazine.com • RSF MAGAZINE
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KEY TO SUCCESS:
PROTECTING YOUR
BUSINESS PROACTIVE STRATEGIES MINIMIZE INTERNET CONFIDENTIALITY THREATS
In the age of entrepreneurship, new businesses are starting every day. It was just a decade ago when companies could mandate that all employees, vendors and partners sign a confidentiality statement upon hire or project collaboration and feel reasonably confident that proprietary company information would remain safe. After all, business data leaks can considerably damage a company’s reputation, revenue stream and competitive positioning. Even worse, it can impact stock price, lead to unfair trading or violate federal or industry regulations such as HIPAA or Sarbanes Oxley. 36 | RSF MAGAZINE • rsfmagazine.com
B
ut today, with widespread Internet use, employees can and do leak information without ever knowing it. These accidents typically occur when individuals post information for internal collaboration, never realizing they inadvertently posted documents on a public web server. Businesses also face ongoing exposure threats as they freely share and exchange digital documentation. Emailed business documents can easily fall into the hands of external and internal partners, current, former or disgruntled employees and competitors. Minimal Legal Recourse To Guard Against Online Disclosure While most business leaks are accidental, a handful have been the result of malicious intent. Corporations have started to take legal strides to punish perpetrators and cease such disclosure. Two recent, high profile legal cases involving Eli Lilly & Company and the U.S. Department of Homeland Security are just a few examples. These cases also bring to the forefront the startling judicial limitations available to safeguard companies from online disclosure and its immense consequences when left uncontrolled. Some recent business news, tells of a recent confidential document disclosure case concerning the antipsychotic drug Zyprexa, a federal judge in Brooklyn, New York ruled that all information posted online be
returned to Eli Lilly & Company, enjoining the attorney and physician responsible for the leak from further online distribution. These individuals distributed documents, confidential by court order, to several news organizations showing that Eli Lilly & Company, for up to a decade, tried to minimize the risks associated with Zyprexa use. While the decision patched the problem, the same court rejected the company’s request to ban future web sites from further publication of the same confidential data on grounds that the task was impossible to enforce. In case after case, intellectual property settlements, like that involving Eli Lilly & Company, rarely protect its victims. The ruling states: “To extend the reach of the injunction further [beyond those responsible for the leak] might involve the court in attempting to control a constantly expanding universe of those who might have, or will have, access by reason of the original breach. That such an amplified injunction could be enforced effectively is doubtful. Even if enforcement were possible, on policy grounds the risk of unlimited inhibitions on free speech should be avoided when practicable.” In another high profile online information security case, a website published alleged U.S. Department of
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Homeland Security proprietary documentation including reports of suspicious activity from water supply tampering to an airline attack plot and bomb threats. While this documentation was erroneously posted and removed promptly after discovery, it reached the public domain via routine Google indexing.
uments within a web browser, avoiding document distribution or download. Internet meeting services take extreme precautions in safeguarding their customers’ confidential business information.
How Can Those Venturing Into Entrepreneurship Protect Their Intellectual Property? Once in the public domain, this data can be disseminated instantly to millions of individuals worldwide. The key to business data protection is ongoing, routine threat monitoring to ensure unintentional confidential postings are taken offline as soon as possible. Another safeguard is minimizing exposure. There are several measures businesses can take to protect their proprietary data from landing in the wrong hands. The following are best practice strategies companies can take to protect their intellectual property:
1
Use Internet meeting services like WebEx, GoToMeeting or Live when conducting meetings with partners, vendors, employment candidates and customers. These services display confidential doc-
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2
Use a digital document security solution to prevent users from opening or reviewing documents without a secure access code or prior authorization. These solutions protect email communications, CAD, Office and Adobe PDF files, among others.
bArgos, proactively monitor online intellectual property visibility, protecting companies from widespread Internet exposure and misuse. Threat monitors and protection services specialize in locating and eliminating publicly accessible documents that pose harm to their clients including defamatory data or business information that violates the company’s copyrights or trademarks. These documents include: - Trade secrets - Proprietary communications - Concepts - Discoveries
3
- Techniques If using Outlook, set email preferences to restrict forwarding with or without attachments. This protects email communications from redelivery to unauthorized parties.
- Drawings - Customer lists - Studies and reports - Formal policies and procedures - Technical diagrams
4
Implement a threat monitoring and protection service, to monitor, locate and remove confidential and proprietary documents from the Internet before they spread. This might be the single, most important strategy a business can take to ensure data leaks are caught and rectified as soon as possible. Overall, the best approach any business can take is using a layered security strategy, or the implementation of multiple techniques to safeguard confidential electronic data. Threat Monitoring and Protection Services: A Proactive Approach To ensure confidential data is brought offline as soon as possible, companies are discovering the benefits attainable through dedicated, ongoing threat monitoring and protection services. These services, like We-
With a broad range of service plans, threat monitoring and protection services automate discovery, monitoring public information sources, quickly identifying inappropriate data, working diligently with the offending parties and leveraging various non-litigious techniques, relevant partnerships and relationships to remove this data as quickly as possible. Thus, possible damage is minimized, if not eliminated. With laws limiting corporate rights regarding the protection of compromised data online, companies are discovering that a proactive, rather than reactive, approach is the most effective. Entrepreneurship is a risky game to play to begin with, so any new business has to be smart from the start. Smart companies take it upon themselves to ensure their own data security. Threat monitoring and protection services provide a simple, professional solution to the growing danger of online security leaks. Best Management Articles By Tim Rhodes Tim Rhodes is Chief Executive Officer of Provizio, Inc., an information security firm, and webArgos (http:// www.webargos.com), a leading security applications company. Mr. Rhodes has an extensive background in intelligence, counter intelligence, and government information security. rsfmagazine.com • RSF MAGAZINE
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760.438.8460
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The Power Of An Entrepreneur
The Power of
DESIGNING Your Destiny
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T
Let me illustrate to you a very well known example of the power of goals. In 1952, there was a research study done on the impact of goal setting on the graduating batch of students at Yale University. When asked how many of them had clearly specified and written down goals, only three percent responded.
he remaining ninetyseven percent, despite being highly intelligent and hardworking, had no road map where they would be five to ten years after graduation. Twenty years later in 1972, a follow up study was done on the class of 1952.
What they discovered was shocking; the combined income of the three percent who had clear goals was greater than the entire income of the ninety seven percent combined! Was it just a coincidence or does having clear goals really have an impact on a person’s personal and financial success? One classic example is investor and world renowned entrepreneur Warren Buffet. Does his ability to come about by chance? Absolutely not. From a very early age young Buffett was obsessed with making money and had a very clear dream of becoming the world’s great-
est investor. Born during the depression when his father was close to bankruptcy, Warren learnt about the value of money and the importance of being financially secure at an early age.
Even before his teens, Warren knew that he wanted to be rich. As early as elementary school and later on in high school, he would tell his classmates that he wanted to become a millionaire before the age of 35 (when he turned 35, his net worth exceeded $6 million). It was because of his goal that he constantly thought of ways to make money, while most other kids his age would be spending their parents’ money. He even memorized a book called ‘ A Thousand Ways to Make $1,000’. At the age of six, he started buying coke bottles at 25-cents per six-pack and selling them at 5-cents a bottle, giving him a 16% gross profit, as he
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The Power Of An Entrepreneur would tell himself. Already an entrepreneur, he continued on his wealth building path. At the age of 13, he got a job delivering newspapers and through innovative marketing and distribution strategies, he served five hundred customers a day. At the age of 11, he took all his savings and started investing in the stock market. His first investment was three shares in a company called ‘City Service’. While most kids his age were reading comic books, Warren spent his time reading company annual reports. By the age of 14, his power as an entrepreneur grew, he started a pinball business and was earning $175 a week, as much as the average 25year old was earning in 1944. Would he have taken all those actions if he never set a goal to be rich in the first place? Of course not. It was clearly because of his focus of energy and actions that allowed him to become the best in what he does. What if you have no clue as to what business or career path to take? Well, it doesn’t matter! Sometimes, just setting a specific financial goal will get your mind thinking and guiding you towards the right path. Before George Lucas left his hometown for college, he already predicted that he would be a millionaire by the time he was thirty. However at that time, his passion and dream was to make it as a racecar driver. It was after he suffered a terrible crash that he began to change his mind about that career. It was only after that accident that he decided that he wanted to become a filmmaker. As a result of his focus on pushing himself to be the best in anything he did, he became a millionaire by the age of 28. How-
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obsession that got him to focus a hundred percent of his time, energy and thoughts into his game. Fourteen years later, Woods became the world’s number one at the age of 22, again not by chance, but by design. If you studied the life stories of the most successful people in history, you will discover that their achievements didn’t happen by chance. They chose to be an entrepreneur. At a certain point of time in their lives, they dared to dream about something they wanted to create. They then allowed this dream to guide their actions until they made it a reality. That is the true power of an entrepreneur. By Adam Khoo Adam Khoo is an entrepreneur, best-selling author and a self-made millionaire by the age of 26. Discover his million dollar secrets and claim your FREE bonus report ‘Get Out Of The Rat Race Now’ at http://www.SecretsOfSelf-MadeMillionaires.com ever, as I mentioned in chapter three, the primary driving motivation of millionaires is not the money they will make, but the passion they have in what they do. The financial goal they set is only a means of measuring their success. However, what drove Lucas to give his all in the face of insurmountable odds to finish Star Wars was not the money he would make, but his dream of seeing his fantasy come to life on the big screen. Tiger Woods never really set a goal to become a millionaire. However at the age of eight, he gave an interview on TV, after winning an amateur golf tournament. During that interview, he declared that his goal was to become the world’s number one golfer and that he would break all of Jack Nicklaus’ records. It was that
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