By: James Moore

In the unpredictable landscape of business success, the most compelling stories often emerge from unexpected beginnings. Personal narratives have an enduring relevance in business, illuminating diverse paths individuals traverse on their journey to success. 

Financial manager and business leader Adam S. Kaplan delves into his transformation from a passionate Mets fan into a respected voice in the financial sector. Through twists of fate and determined endeavors, Kaplan navigated the intricate world of finance, carving a path that intertwined his love for baseball with astute financial acumen. 

The Early Days

Adam S. Kaplan’s childhood was marked by subtle yet potent influences that would ultimately shape a remarkable career trajectory. His formative years were filled with experiences at the ballpark as he cheered on the Mets and the encouragement to do big things as he grew toward career decisions. 

“From an early age,” says Kaplan, “I’ve loved the idea of numbers and statistics and how today’s data can help predict what happens tomorrow. I enjoyed the risk and reward that came on the ball field, and it’s clear that translated into my professional path.” 

Steeped in the game’s numbers and complexities, Kaplan developed a sturdy foundation and affinity for breaking down numbers and making predictions. He also developed a keen interest in understanding the intricate dance of numbers and markets.

While other children may have dreamt of baseball glory, Kaplan found himself drawn to the thrill of analyzing strategies and dynamics within the game. This fascination with numbers pointed towards finance and business, setting the stage for what would later become a defining passion and expertise. The early days were a pivotal time, where seeds of financial acumen were sown in the fertile soil of curiosity and familial influence.

The Turning Point

The transition from avid Mets fan to financial aficionado was not a sudden leap but a series of defining moments that altered the course of Kaplan’s life. Amidst a backdrop of personal reflection and a growing realization of his true passion, Kaplan realized that he could continue applying the concepts that kept his interest during the games and apply them to finance. While the allure of Wall Street has never surpassed the cheers of the ballpark, it became the primary professional focus for Kaplan, allowing him the quality of life to engage in his personal pursuits as well.

Notes Adam S. Kaplan, “Stepping into the world of finance meant navigating unfamiliar terrain, filled with complexities and uncertainties. There were doubts to overcome, and the road ahead seemed daunting.”

With unwavering resolve and a thirst for knowledge, Kaplan embraced the challenges head-on. Each obstacle became a stepping stone, and each setback was a lesson in resilience. The turning point marked not just a change in career trajectory but a testament to his unwavering perseverance. It was a time of growth, where the passion for finance became more than just an interest—it became a driving force propelling Kaplan towards a future filled with promise and possibility.

Photo: Unsplash.com

Climbing the Ranks

Establishing a foothold in the competitive financial industry landscape required a strategic approach and unwavering dedication. Kaplan embarked on a journey of professional growth, taking deliberate steps to ascend the business world’s ranks.

Entering the financial sector, he immersed himself in a world of numbers, analyses, and strategic decisions. Every day presented an opportunity to learn and grow, honing the skills necessary for success. From mastering financial modeling to understanding market trends, each task was a building block toward their ascent.

Key milestones peppered Kaplan’s journey, marking significant achievements. Whether securing a coveted position at a prestigious firm or spearheading successful investment strategies, each milestone validated Kaplan’s dedication and expertise.

What truly set Kaplan apart were the qualities he brought to the table. A keen analytical mind honed at the ballpark allowed him to easily dissect complex financial data, while strategic thinking ensured sound investment decisions. 

Their journey is a testament to the power of perseverance, strategic vision, and a relentless pursuit of excellence in finance.

Sharing Wisdom

Having reached the summit of success in the financial realm, Kaplan has chosen to pay it forward, leveraging his wealth of experiences to become a mentor and influencer in the industry.

Recognizing the value of sharing knowledge, Adam S. Kaplan embarked on a path to impart wisdom to the next generation of finance professionals. Whether through mentoring programs, speaking engagements or thought leadership platforms, he has found avenues to share insights gained from their journey.

Kaplan’s efforts have substantially influenced the industry, and many looked to him not just for financial advice but for guidance on navigating the nuances of the business world. Aspiring professionals continue to find inspiration in Kaplan’s story, realizing that success in finance is attainable with determination and strategic thinking.

“I am committed to sharing wisdom that educates and fosters a community of eager learners and ambitious individuals united by a shared passion for finance,” says Adam S. Kaplan. 

Kaplan’s journey from fervent Mets fan to esteemed financial guru has been a testament to the power of perseverance, determination, and adaptability. The lessons from this journey are invaluable and provide inspiration and an understanding that with passion, persistence, and a willingness to adapt, everyone can carve their own paths to success. 

Published by: Holy Minoza

By Joshua Finley

Juan Espinoza, a global special situations investor, has built a successful career spanning various asset classes such as equities, credit, and special situations investments. Espinoza brings a unique perspective to the table, underscored by his experience in identifying and capitalizing on transformative corporate events and credit dislocations. His unusual background, which combines a mix of equities and distressed credit investing, has allowed him to assess opportunities that require a  deep understanding of various business models and intricate capital structures, making him a thought leader in special situations investing. This article taps into Espinoza’s insights to explore three pivotal strategies to prepare for a possible economic downturn, offering readers a glimpse into the mind of a seasoned investor who has weathered the storms of various economic cycles with resilience and foresight.

Understanding Special Situations Investing

Special situations investing focuses on opportunities arising from significant corporate events such as mergers, acquisitions, or credit events like financial restructurings and bankruptcies. For instance, Disney’s 2019 acquisition of Twenty-First Century Fox represented a major strategic push for the buyer that propelled it further into both the content production and video streaming businesses. This $71 billion transaction is considered a “special situation” because it was transformational for the buyer and seller and had a major impact on the shareholder value and the future of Disney and Fox. Similarly, when JC Penney filed for bankruptcy in 2020 during the onset of the pandemic, the retailer created a complex scenario for its shareholders and creditors, which included suppliers, debtholders and landlords. Evaluating the upside or downside of these events for the various stakeholders requires a highly nuanced grasp of business and finance that typically eludes the average investor. Espinoza has had the opportunity to develop a unique professional toolkit during his 20 year career which included tenures at prestigious firms like Wellington Management and Oaktree Capital.  Armed with a deep understanding of how this type of unusual scenarios need to be assessed and valued, Espinoza is able to capitalize on unique investment opportunities, particularly in times of financial distress or structural change within a company.

Preparing for Difficult Credit Conditions

Early Action and Cash Conservation

“In the face of a difficult credit cycle, agility and prudence are your best allies.” 

Juan emphasizes the importance of cash conservation actions for industries like commercial real estate, which has been hit hard by shifts in consumer behavior, and reevaluating their own financial health promptly. “Procrastination is the enemy.”  

For creditors, early action is also a must.  A detailed portfolio review should provide an overview on the most problematic borrowers and, assuming the underwriting was sound, a pre-arranged solution should be possible particularly for senior creditors.  While each industry will have its own dynamics, those most affected by secular shifts in demand and high cost of debt are likely the most at risk. Even if interest rates decline over the next year, companies with a high debt burden are the most vulnerable as interest is essentially a fixed cost that won’t decline if the business downsizes.

Engaging Creditors Proactively

Early engagement with creditors to discuss potential adjustments in loan terms or to secure additional funding can make a significant difference. “The dialogue with creditors should start sooner rather than later,” advises Espinoza. Waiting too long to renegotiate terms can corner companies into unfavorable positions. “It’s about creating breathing room before the market tightens further. Proactive engagement can open doors to relatively favorable conditions that might not be available down the line.”

Capitalizing on Special Situations

Opportunistic investors can learn from the strategic approaches employed by special situations investors like Espinoza. Understanding the dynamics of special situations, such as valuing the impact of a transformational acquisition or navigating through financial restructurings, can provide a roadmap for innovative financial strategies during economic downturns. This entails a comprehensive understanding of the market and the ability to foresee and act on shifts in the financial landscape effectively. “Special situations require a special mindset. It’s not just about investing; it’s about strategically positioning yourself to deploy capital when others are afraid and confused.”

Conclusion

As the economic horizon shows signs of possible turbulence, borrowers must adopt a multifaceted strategy that includes early action, proactive creditor engagement, and creative financial solutions inspired by special situations investing. Drawing from the experiences and strategies of seasoned investors like Juan Espinoza offers valuable lessons in resilience and adaptability. By preparing in advance and adopting a strategic approach to liability management, borrowers can navigate the challenges of an economic downturn more effectively, positioning themselves for recovery and growth as market conditions improve.  Opportunistic investors can also benefit from a special situations approach, provided they have built the proper skillset to deploy capital in complex scenarios that are likely not suitable for the average investor.

Published by: Holy Minoza

Kathryn Nowak stands as a testament to the power of authenticity and resilience in achieving true fulfillment and triumph. As an entrepreneur, artist, and activist, Kathryn’s journey has been defined by her unwavering commitment to staying true to herself and persevering in the face of adversity.

Raised in a small town with big dreams, Kathryn learned early on the importance of authenticity in navigating life’s challenges. Rather than conforming to societal expectations or sacrificing her values for the sake of success, she remained steadfast in her beliefs, allowing her true self to shine through in everything she pursued

For Kathryn, authenticity is not just a personal virtue—it’s also a key ingredient for success in business and in life. By embracing her unique perspective and harnessing her creative talents, she has been able to carve out a niche for herself in industries as diverse as fashion, hospitality, and digital art.

Photo Courtesy: Kathryn Nowak

But perhaps Kathryn’s greatest strength lies in her resilience in the face of adversity. Throughout her journey, she has encountered numerous setbacks and obstacles, from financial struggles to self-doubt and uncertainty. Yet, it was her ability to bounce back from these challenges and keep moving forward that ultimately led her to success.

Two years ago, Kathryn’s resilience was put to the test when she discovered the potential of Web3 and NFTs to revolutionize the art world. Intrigued by the possibilities of blockchain technology and decentralized platforms, she dove headfirst into this new frontier, undeterred by the uncertainty that lay ahead.

Through her work in the digital realm, Kathryn has continued to embody the values of authenticity and resilience that have guided her throughout her journey. By staying true to herself and her vision, she has been able to navigate the complexities of the digital landscape and emerge as a trailblazer in the world of digital art and technology.

As Kathryn’s journey continues to unfold, one thing remains abundantly clear: she is not just a success story, but a beacon of hope and inspiration for others. Through her unwavering commitment to authenticity and resilience, she reminds us all of the power we hold to overcome obstacles, achieve our goals, and create a life that is truly fulfilling and meaningful.

To learn more about Kathryn Nowak, visit her website.

Published by: Nelly Chavez

“From Teaching to Triumph: Dr. Sarah Sun Liew’s Entrepreneurial Odyssey” unveils the extraordinary journey of Dr. Sarah Sun Liew, whose life narrative intertwines education, entrepreneurship, and an unwavering commitment to philanthropy. Hailing from An-dong, South Korea, a city renowned for its scholarly heritage, Dr. Liew’s roots are deeply embedded in a family legacy celebrated for its contributions across education, politics, defense, and medicine. This foundational backdrop set the stage for Dr. Liew’s remarkable trajectory, which saw her migrating to the United States at 24, embarking on an unparalleled path of educational excellence and pioneering entrepreneurship.

Before her American sojourn, Dr. Liew was already a recognized figure in her native South Korea, dedicating herself to roles that spanned from educational endeavors as an English and SAT teacher to religious and community service as a Sunday school director and assistant pastor. These early ventures into community service and professional realms underscored her innate drive to foster personal and communal growth—a trait that would define her ensuing ventures across the globe.

Dr. Liew’s educational journey is distinguished by her pursuit of advanced academic credentials, culminating in a Doctor of Business Administration (DBA) from Pacific State University with a specialization in the complex interplays of international trade, e-commerce, IT, and finance. This pursuit of knowledge was further enriched by postdoctoral studies in biblical preaching, Christian sales, marketing, and nonprofit management, along with advanced courses from world-renowned institutions like Harvard, Wharton, and MIT.

Transitioning her scholarly pursuits into real-world applications, Dr. Liew ventured into the realms of fintech, real estate, and legal services with notable leadership positions, including CEO roles at MPS Merchant Services Group and Meridian Beverly Hills Realty and Management Inc. Her tenure in these roles not only showcased her business acumen but also her innovative approach to fostering economic development and supporting the American dream for a broad demographic through job creation and legal services.

Moreover, Dr. Liew’s spiritual and community service, particularly through her leadership at the Global Jesus Mission Church and the 501(c)(3) nonprofit Meridian Business Legal Investment Wish Foundation Inc., highlight her commitment to leveraging her wealth of knowledge for the greater good. These platforms have enabled her to contribute significantly to IT, business, legal, and real estate education, underscoring her passion for empowering small business owners, the youth, and other community members.

Dr. Liew’s foray into the political arena, with candidacies for U.S. Congress and intentions for the U.S. Senate, underscores her conviction in the transformative power of informed and principled leadership to address pressing societal issues. Her political engagement is complemented by academic endeavors in public policy and leadership, preparing her to contribute meaningfully to the nation’s political discourse.

Her philanthropic efforts extend across a spectrum of community and charitable organizations, with accolades from esteemed bodies such as the Korean American Chamber of Commerce of Los Angeles attesting to the impactful breadth of her work across various fields.

Dr. Liew’s influence transcends her immediate professional and philanthropic engagements, extending into media and authorship where her insights on law, politics, business, and more have garnered significant attention. Her collaboration with Brian Tracy on the bestseller “Succeeding in Business in Any Market” and her extensive portfolio of forthcoming publications affirm her status as a thought leader committed to sharing her insights with a broader audience.

In the face of the COVID-19 pandemic, Dr. Liew’s initiatives have provided critical support to businesses, illustrating her dedication to economic recovery and growth. Her legal and immigration services continue to offer essential assistance, highlighting her commitment to facilitating opportunities for advancement and development.

Dr. Liew’s journey from an educator to an entrepreneur and a political candidate reflects a life dedicated to innovation, leadership, and the service of others. Her work across investing, legal services, and entrepreneurship has not only garnered wide recognition but also made a tangible difference in the lives of many. Her story is a beacon of inspiration, demonstrating the impact of passion, perseverance, and a service-oriented mindset on achieving remarkable success and driving lasting change.

As Dr. Liew continues to expand her legacy, her odyssey from teaching to triumph serves as a compelling testament to the transformative potential of education, entrepreneurship, and philanthropy in shaping a better future. Her life’s work emphasizes the critical role of interdisciplinary knowledge, innovation, and a commitment to societal well-being in crafting impactful legacies. Dr. Liew’s entrepreneurial journey encapsulates a visionary’s roadmap to success, marked by profound achievements and a lasting commitment to societal progress.

For those inspired by Dr. Liew’s journey or seeking to collaborate in her mission to empower communities and foster economic growth, myriad opportunities await. Engaging with her educational platforms, supporting her philanthropic endeavors, or exploring investment opportunities with Dr. Liew opens avenues for personal growth and the chance to contribute to a more equitable, prosperous, and innovative future.

Discover more about Dr. Liew’s vision and mission through her campaign website www.sarahsenator.org. For inquiries, contact Global Jesus Mission Church at gjmch20@gmail.com or visit their website at www.gjesusmc.org. Those interested in the Meridian Credit Card Processing Job Training Program can find more information or enroll in upcoming classes at www.meridianwish.com or reach out via email at info@meridianwish.com.

Published by: Raf Aspillaga

Tomasz Dowbor, a versatile entrepreneur born in Warsaw in 1974, has become a notable figure in both Polish and Angolan business industries. His venture into Angola in 1994 by an invitation from a friend, marked the beginning of his professional journey. Quickly recognizing the potential of Angola as the canvas for his professional aspirations, Dowbor has since been working on the creation and development of diverse business initiatives. Over the years, his dedication has significantly impacted the Angolan market, particularly in the construction sector, earning him recognition for his influential contributions.

Tomasz completed his primary education in a public school and secondary education in a private institution in the same city. His formative years were marked by a blend of diverse educational experiences. His academic journey took a turn as he pursued a degree in Theology and Philosophy at the Catholic Academy of Theology in Warsaw. This academic background provided him with a perspective that proved to be invaluable in his future business startups. Further enhancing his skills, Dowbor later earned a postgraduate degree in Business Management from the Catholic University of Lisbon, Portugal.

With over three decades of experience in the Angolan market, Tomasz Dowbor has established himself as a renowned personality in the implementation, development, and management of real estate projects. His portfolio boasts the successful delivery of more than 10,000 residences across 15 distinct real estate projects. Notable among these projects, are “Vereda das Flores,” “Ville Vermount,” “Solida Plaza,” “Real Park,” “Infinity I,” “Infinity II,” and “Joias do Camama.”

Currently leading the construction of Angola’s largest urbanization, “Urbanização Boa Vida,” Dowbor, in collaboration with his brother Wojciech Dowbor, invested over one hundred million US dollars between 2014 and 2016. This project, with its 5,800 residential units, reflects Dowbor’s commitment to contributing to the economy of Angola by providing both housing and significant employment opportunities despite challenges such as COVID-19 and macroeconomic issues.

Beyond his success in the business world, Tomasz is also a socially conscious entrepreneur with a heart dedicated to philanthropy. His extensive philanthropic initiatives reflect a strong commitment to societal betterment. Initiatives like “Talentos Angola” highlight his investment in the capacity-building of young nationals, while “Embaixadores Boa Vida” exemplifies widespread social action throughout Angola.

From providing employment opportunities for recent graduates through “Feira da Arquitetura” to organizing “Festival da Saúde” for free medical consultations, Dowbor’s philanthropy spans various sectors. His support extends to humanitarian efforts such as blood donation campaigns, mega sporting events, and significant donations to drought victims in Cunene. The breadth of his charitable contributions, including “Natal Solidário” with 500 children in Caxito, outlines Dowbor’s dedication to making a positive impact on the lives of Angolans across different communities.

In the face of current challenges, including the complexities of the post-COVID-19 pandemic and broader macroeconomic issues, Tomasz remains a leader, seeking innovative solutions for the Boa Vida Group. His energy is evident in the ongoing construction of “Urbanização Boa Vida,” Angola’s largest urbanization project. Despite the hurdles, Dowbor, alongside his brother Wojciech Dowbor, has invested significant resources and two years of dedicated effort. As they navigate challenges, the Boa Vida Group strives to accommodate over 80,000 individuals with 5,800 residential units, creating more than 4,500 direct jobs and 10,000 indirect jobs.

Dowbor’s multifaceted journey from Warsaw to becoming a prominent figure in Angola’s business sector exemplifies a remarkable fusion of entrepreneurial acumen and philanthropic commitment. Leaving his birthplace behind, Dowbor’s decision to venture into Angola in 1994 laid the groundwork for a career that earned him significant achievements in the construction industry. With a diverse educational background in Theology and Philosophy, coupled with a postgraduate degree in Business Management, Dowbor has demonstrated a deep approach to his professional endeavors.

His three-decade-long career showcases an impressive portfolio of real estate projects, including the ongoing monumental “Urbanização Boa Vida.” Beyond business success, Dowbor’s philanthropic initiatives show his dedication to societal betterment, impacting education, healthcare, and humanitarian causes. As he faces ongoing challenges, Dowbor’s proactive approach and commitment to solutions continue to define his role as a transformative force in Angola’s economic and social sector. The future outlook for Tomasz is one of continued impact and positive contribution to the nation’s growth.

Published by: Martin De Juan

By Seraphina Quinn

Dustin Lash, an entrepreneur making waves in the business coaching scene, brings a refreshing human touch to the often technical business world. His journey, starting as an online fitness trainer, swiftly propelling him into the million-dollar echelons, is not just about financial success but a testament to his passion for empowering others. Elite Academy, Dustin’s brainchild, transcends being just a business; it’s a dynamic platform where he generously shares the strategies that catapulted him to success, shaping the destinies of budding fitness coaches.

Dustin’s success isn’t measured solely in dollars but in his resilience and genuine desire to witness others succeed. Elite Academy isn’t your run-of-the-mill company; it’s a nurturing space where fitness coaches can learn the ropes and grow into successful entrepreneurs, mirroring Dustin’s journey.

His approach extends beyond the typical success metrics. It’s not merely about hitting that million-dollar milestone but imparting a profound understanding of the industry. At the core of Elite Academy’s ethos is the commitment to building, branding, and forging 7-figure CEOs—these aren’t just catchphrases; they encapsulate the essence of the transformative journey Dustin guides others through.

Dustin’s career highlights are nothing short of impressive—over $10 million in revenue, the prestigious Two-Comma Club award, and the establishment of three different 7-figure businesses. Beyond personal success, he’s become a guiding beacon for others navigating the dynamic world of online fitness coaching.

Peering into the future, Dustin remains far from complacent. The goal for him and Elite Academy transcends merely maintaining their current standing; it’s about scaling to $1 million in months. Yet, this audacious goal isn’t just about financial ambitions; it’s rooted in a vision to continually impact and uplift the community of fitness coaches, fostering a ripple effect of success.

In a world often inundated with grand claims and jargon, Dustin’s story offers a refreshing reality check. It’s not about intricate strategies or hidden formulas; it’s about dedication, a genuine passion for the craft, and a sincere willingness to guide others on the path to success.

Elite Academy isn’t just a business entity; it’s a living example of how one individual can shape an entire industry. As Dustin Lash leads the way, his journey becomes an open invitation for others to join a community dedicated to achieving greatness, not just in terms of financial success but in the lasting impact they create.

In a landscape sometimes obscured by flashy promises, Dustin Lash and Elite Academy emerge as a reminder that success isn’t an abstract dream; it’s something tangible, sustainable, and, most importantly, achievable. As the narrative of Dustin Lash and Elite Academy unfolds, it’s a story of empowerment, guidance, and the untapped potential within each aspiring fitness coach to evolve into a 7-figure CEO.

Dustin’s journey teaches us that the essence of success lies in simplicity — in the authenticity of one’s purpose and the willingness to share the journey with others. It’s a reminder that the road to greatness is not a solitary path but a collective journey where each success story contributes to the larger narrative of an industry evolving and thriving.