Stewart Ginn Jr

Understanding beginner surf gear is the first step toward building confidence in the ocean. Many new surfers mistakenly choose small, advanced boards because they look sleek, yet these boards make learning much harder. A soft-top surfboard is the best educational tool for all newcomers because it floats easily, supports stable paddling, and offers a gentle surface that reduces the risk of injury. A foam board with a rounded nose, broad outline, and thick rails provides steady footing while you practice balance, paddling rhythm, and pop-up techniques. This type of board helps you learn fundamental skills without unnecessary frustration, allowing your progress to feel natural and encouraging. Once you establish comfort and coordination, transitioning into more advanced boards becomes far simpler. The added volume of a soft-top board is especially helpful for learners. It supports your weight even when your technique still needs refinement, making it easier to catch waves early in your j...

 As regulatory demands become increasingly complex and operational costs rise, financial firms are seeking more innovative and adaptable solutions to meet these challenges. Cypher+ by Decoded Technologies delivers exactly that—a fully customizable, all-in-one platform explicitly built for broker-dealers, RIAs, and asset managers. Founded by industry leaders Ralph Acevedo and Hector Marrero, Cypher+ streamlines compliance, portfolio management, and order management into a single, intuitive ecosystem built around each firm’s unique workflows. Unlike generic platforms, Cypher+ adapts seamlessly to different operational models, making advanced compliance automation accessible to firms of all sizes. Its transparent flat-rate pricing eliminates surprise fees, helping institutions scale confidently without increasing overhead. With real-time risk alerts, centralized client and trading data, and proactive monitoring tools, Cypher+ shifts compliance from a reactive burden to a strategic adv...

Managing your personal finances is more than just tracking numbers—it’s about creating a life with fewer financial worries and more opportunities. By understanding the flow of your income and expenses, setting clear goals, and establishing consistent habits, you can build a secure foundation that supports both your daily needs and future aspirations. Whether you're aiming to get out of debt, start saving for emergencies, or invest in long-term goals like home ownership or retirement, each small decision plays a role in shaping your financial well-being. Being proactive, rather than reactive, allows you to adapt to changes with confidence and take control of your financial journey. Financial planning isn’t about perfection; it’s about being intentional, staying informed, and adjusting as life evolves. Through practical steps and mindful habits, anyone can work toward greater stability and peace of mind. 1. Understanding the Basics of Personal Financial Management Personal financial ...

For many, surfing begins as an adventure—an adrenaline rush, a test of balance, and a dance with the ocean’s rhythm. But as you spend more time in the water, it becomes something far greater than just a sport. Surfing becomes a way of life, a form of meditation, and a bridge between nature and the self. Each wave offers a lesson in patience, humility and awareness . You can’t control the sea, and that truth teaches acceptance in a way few other sports can. Learning to Flow, Not Fight Surfing isn’t about conquering waves—it’s about learning to move with them. The ocean has moods, and each day brings a different challenge. Some mornings the waves are calm and welcoming, while others they crash with unpredictable force. Instead of resisting, seasoned surfers learn to adapt and ride the waves. That approach mirrors life itself: when you stop fighting every obstacle and start responding with flexibility, you find a sense of balance. The surf becomes a reflection of your inner world—calm whe...