Lessons from the Oxford Club, Investing for Growth and Stability

Those reaching retirement age often find themselves with a difficult choice to make. At the peak of their careers, they often earn more than they ever have in their entire lives, making retiring in the first place difficult. At the same time, their retirement balance may have enough projected earnings from stocks to sustain a long and happy retirement, but a bear market could put an end to this projection almost instantly. With longer retirements, a decline in their investments is almost inevitable, leaving many retirees unsure what their best move is.

Because stocks have an inherent risk greater than government bonds, many retirees don’t feel secure holding them. At the same time, it’s push to forgo a potential gain for a small amount of risk.

This begs the question “How much should a retiree like me keep in stock?” This question, while simple in nature has a much more complicated answer depending on your circumstances.

Americans are living longer than ever; a 65-year-old may have 20 or even 30 years ahead of them, maybe they will need some considerable gains from their investment portfolio in order to beat out inflation and not bleed their retirement accounts dry.

To make matters worse, long-term bonds or paying out a very low rate of interest. If we ever saw inflation like we saw in the seventies and eighties again, anyone holding their retirement accounts in long-term bonds would see their account balance nearly wiped out.

For a more specific answer, we look to the private investment group known as the Oxford Club. The Oxford Club recommends that any retiree keeps a minimum of five years worth of liquid funds in stable bonds. The reason for this is that the average declining market in the United States loses 32% of its value and takes about three years to recover. By keeping five years available, you are able to cover yourself in the most extreme bear markets, even ones that last 5 years as opposed to three.

Every circumstance is different, and for investors like the Oxford Club they encourage large retirement balances to cover any potential risk. Once you have sufficient assets to cover any sort of risk you can afford to either go long on stocks or hold back a considerable amount of cash for stability’s sake.

Siteline Cabinetry Brings You To Speed on the Emerging Cabinet Trends

The aesthetic value of a kitchen heavily relies on the design of the cabinets. Kitchen cabinets are available in limitless options. You can always install customized cabinets that will give your space the look of your dream kitchen. As it is, there is nothing that feels more refreshing that the look of an impressive kitchen area. Some of the kitchen cabinetry trends highlighted by Siteline Cabinetry include;

• Customized Cabinets

In the contemporary times, you do not have to worry about installing a common design. Homeowners have a choice to add colors and styles that they want for their home. Exciting styles are coming up for the good of fashion lovers.

• Clean Lines and Fine Design

Clean lines and subtle designs ensure flexibility and durability. This is where the doors are simple by use of clean lines. These styles have gained a lot of steam, and most people are taking this path.

• Shaker Style

Shaker designs have been trending for some time. Looking at it for the first time, many people mistake the shaker style for a basic technique without much style. Recently though, numerous attractive versions of the same have emerged, spoiling homeowners with options.

• White, Grey & Neutral Colors

White kitchen cabinetry still does fine with neutral colors. It would be a wise move to opt for it as compared to grey and neutral colors. The grey option has been adopted for shops.

• Functional Design

Every facet of the home should unify with design and function. With the modern designers, you can quickly achieve your desired look and accommodate all your needs. They all go together; you never have to sacrifice any for another.

• Horizontal Orientation

Most people opt for squares and vertical rectangles. They are said to give the kitchen a clean look. Due to easy access, the kitchen also attains a sophisticated look.

• High-tech Cabinets

Designers are embracing technology in the kitchen. The tech viewpoint is interesting. They are also incorporating charging points.

What You Need to Know About Siteline Cabinetry

Siteline Cabinetry is a company committed to serving the savvy homeowners of the contemporary times. They are always raising the bar when it comes to designing kitchen cabinets. They also advise homeowners to evaluate their needs and establish a reasonable budget before looking for a professional. Taking the right steps is a key factor in achieving your preferred look.

Gregory Aziz Greases The Wheels of Success of Canadian Train Car Manufacturer

One of North America’s largest railroad car manufacturers, National Steel Car of Hamilton, Ontario, has been among Canada’s top three rolling stock companies for some 100 years – but this venerable company never reached truly spectacular heights until it was purchased by Gregory James Aziz in 1994.

Greg Aziz is the current CEO and Chairman of National Steel Car – a robust company that was building a respectable 3,500 cars per year in 1994, but then soared to a production rate of 12,000 cars by 1999 after Mr. Aziz took control. Employment at the company grew from 600 to 3,000 good paying jobs.


Tripling the rate of manufacturing for a train car operation is not what you might expect from a man who got his start in the wholesale food business. Affiliated Foods was the business of Greg Aziz’s family, which he joined in 1971 after graduating from the University of Western Ontario with a degree in Economics. During his 16 years with Affiliated Foods, Mr. Aziz helped transform a small family operation to one of Canada’s premier food distribution businesses.

Moving on from Affiliated Foods, Greg J. Aziz plunged into the world of banking in New York City, perhaps the world’s best training ground for building business skills, mastering the art of financing and discovering new ways to grease the wheels of industry. It was train wheel that Greg Aziz decided to lubricate when he arranged for purchase of National Steel car from Dofasco in 1994.


To energize what was already an established, steady company into a true manufacturing powerhouse, Greg Aziz focused on strong engineering capabilities, team-building, human resource management and capital investment to inject new life into a company that had been chugging along since 1912. Today, the results speak for themselves.

Beyond generating jobs and building the highest quality train cars in the world, National Steel Car is the only railroad freight ca company in north America that is certified as ISO 9001:2008, and remarkably, has managed to maintain this honor for 18 years straight. Mr. Aziz’s company has also been given the distinction of maintaining the TTX SECO highest quality award since 1996 – again, an amazing achievement not easily accomplished in any industry.


Gregory J. Aziz has long been generous with spreading the success of his company to his Hamilton community where he provides generous support for numerous charitable organizations. Go To This Page for more information.


See Also: https://www.bloomberg.com/research/stocks/private/person.asp?personId=39124620&privcapId=35787198

Greatest Success in Greg Aziz’s Life

National Steel Car is one of the world’s leading engineer and manufacturing company for railroad freight cars. It has its location in Hamilton in Ontario; Canada. The great accomplishment for the enterprise is also partly due to its current CEO, Chairman and President Greg Aziz. Greg James Aziz was born in London in the city of Ontario in Canada in the year 1949 in April. He attended the Ridley College in his country and later joined at the University of Western Ontario where he was able to gain focus in the study of economics.


At the age of 22 in the year 1971, Greg Aziz joined the Affiliated Foods Company; a wholesale food company which belonged to his family. In the period of sixteen years in the company, Greg Aziz assisted the company to grow and become a worldwide importer of fresh foods from Central, South America, and Europe and distributed the foods to major fresh food wholesale markets across Eastern Canada and the United States. He later left and went into getting jobs in different investment banks in New York City for around ten years.


In the year 1994, Greg Aziz made one of his greatest life-changing accomplishments by purchasing the National Steel Car Company from Dofasco. Greg Aziz had his primary aim set to transform the company from just one Canadian industry to a leading railroad freight car manufacturing company in North America. The company was able to transform through human and capital investment and team- building efforts to become a leading railroad freight car manufacturer. Among its greatest achievements, the company expanded its capabilities from manufacturing 3,500 cars per year to manufacturing 12,000 cars by the year 1999. It also increased employment from approximately 600 employees to an almost 3,000 employees. See This Page for more.


National Steel Cars leads in new car innovations, and 2008 became the only freight car manufacturing company certified by ISO and has held this honor since then. It has also been given the highest awards from TTX SECO and has held these honors since the year 1996. Greg has said that his primary focus is the quality production of goods as the market will come on its own. The company values the Hamilton Community by giving various charities and has also sponsored the Hamilton Opera, Theater Aquarius, and the United Way. Gregory James Aziz and his wife Irene are also sponsors of the Royal Agricultural Winter Fair which is Canada’s most leading agricultural fair.


More: https://www.bloomberg.com/research/stocks/private/person.asp?personId=39124620&privcapId=35787198

Gregory Aziz; the Successful CEO of National Steel Car

Gregory Aziz is the CEO of National Steel Car, NSC. He is also the company’s president. NSC is one of the world’s top manufacturers of railroad freight cars. It is also the leading railcar company in North America.

Gregory James Aziz was born on 31 April 1949. He grew up in Ontario and went to Ridley College. He later went to the University of Western Ontario. While at Western Ontario, Greg Aziz majored in Economics.

From the time of purchase, Greg James Aziz had good plans for the company. He yearned to bring it up from its level to become a great North American company, and from the beginning, he applied reforms which showed tremendous changes and today, are the reason why National Steel Car is where it is. Gregory J Aziz began with increasing the number of employees because the company had few, and therefore the amount of work that needed to be done was not proportional to the employee count. This change led to an increased workforce which was later reflected in the remarkable increase in the number of manufactured cars from 3,500 to 12,000 yearly.


Greg Aziz has shown his expert skills in the management of the company. He did not want to purchase, then later run National Steel Car without any experience. It would have been chaos, and probably a failure. He, therefore, began by working with Affiliated Foods which is the leading global exporter of fresh foods. He joined the company in 1971. Between the 1980s and 1990s, Gregory Aziz worked with investment banking opportunities in New York where he practiced all the more, his skills in Economy. See This Page for more.


While in New York, he had the idea of owning his own company. It required money and expertise in running. Since he had gained enough experience, he accumulated money, and when Greg felt that he was settled and ready, he purchased National Steel Car from Dofasco in 1994. It only took two industrious years for significant transformations to be seen in National Steel Car.


The company has been awarded the annual TTX SECO award from 1996 to date. This consistency is a show of both professionalism and expertise in the quality services provided by National Steel Car. The company has also won the ISO Certification and been the only railcar company in North America to be certified the ISO 9001:2008. It is evident now that Greg is the man for National Steel Car.


See Also: https://www.bloomberg.com/research/stocks/private/person.asp?personId=39124620&privcapId=35787198