Alfred Quinsay: Weaving Wisdom for an Integrated Life
Quinsay's literary journey is as diverse as his expertise. He's the acclaimed author of three internationally released books: The Essence (2016): A foundational work that delves into core principles.
A foundational work that delves into core principles. Love is War, War is Love (2022): A compelling exploration of complex human relationships.
A compelling exploration of complex human relationships. Lies of Influence (2025): His latest contemporary novel, poised to challenge perspectives and spark dialogue.
Beyond fiction, Quinsay is also a prolific voice in the business world, with five self- published business e-books focusing on Strategic Management and Accounting. This unique combination of storytelling and practical business insights showcases his holistic approach to knowledge sharing.
At the heart of Alfred Quinsay's brand is his advocacy for the Integrated Life. This isn't just a concept; it's the driving force behind all his endeavors. Whether he's crafting a novel, advising a business, lecturing students, or captivating an audience, Quinsay demonstrates how diverse disciplines can dynamically complement and enhance each other. His background as a CPA with an MBA provides the rigorous framework for his business insights, while his creative spirit as an author allows him to communicate complex ideas with clarity and engaging narrative.
For Quinsay, the integrated life means that his experiences as a University Professor who advocates innovation, a sought-after CPD speaker who empowers his audience, and a business consultant are not isolated silos. Instead, they converge to offer unparalleled value. His ability to connect the dots between strategic business principles, human behavior explored in his novels, and the pursuit of a meaningful existence sets him apart.
Born and raised in Manila, Philippines, Quinsay's identity is also shaped by his personal convictions and passions. A devout follower of Christ, his values undoubtedly
influence the depth and perspective found in his works. He's also a dedicated Martial Artist enthusiast, a discipline that instills focus, resilience, and strategic thinking— qualities evident in his professional pursuits.
Adding to his impressive accolades, Alfred Quinsay is a recognized master of communication, having secured the title of Public Speaking Area Champion in Toastmasters for 2021, 2022, and 2023. This consistent achievement underscores his ability to connect with and inspire audiences, making him a truly impactful speaker.
Alfred Quinsay embodies the power of an integrated approach to life and career. He's not just an expert in multiple fields; he's a connector, a storyteller, and an advocate for a life lived with purpose across all its dimensions.
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Newsweek
an hour ago
- Newsweek
Boeing Strike Begins Monday After Negotiations Fail
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. More than 3,200 Boeing defense workers are set to begin striking Monday, August 4, after overwhelmingly rejecting a contract proposal that included a 20 percent wage increase over four years. Newsweek reached out to International Association of Machinists and Aerospace Workers (IAM) District 837 via email on Sunday for comment. Why It Matters This latest action represents the first strike in nearly three decades at Boeing's St. Louis-area defense factories, with the union's last work stoppage occurring in 1996 and lasting 99 days, according to Bloomberg. The strike also adds to Boeing's mounting challenges amid ongoing safety concerns and production issues that have severely damaged the company's reputation. Transportation Secretary Sean Duffy stated in March that Boeing had lost the trust of the American people following a mid-air panel blowout on an Alaska Airlines 737 MAX 9, two fatal crashes in 2018 and 2019 that killed 346 people, and a recent Boeing 787 Dreamliner crash in India that killed 260 people. The work stoppage will directly impact production of the F-47 fighter jet, part of the Next Generation Air Dominance program designed to replace the F-22 Raptor. Boeing won this critical contract earlier this year, with the company expanding its St. Louis manufacturing facilities to accommodate the sixth-generation fighter program. What To Know Members of the IAM District 837 voted down Boeing's offer on Sunday, August 3, following the expiration of their current contract at 11:59 p.m. CT, according to a press release from the union. This latest vote follows members' rejection of Boeing's earlier proposal on Sunday, July 27. The impending walkout will affect three facilities in St. Louis, St. Charles, Missouri, and Mascoutah, Illinois, where workers assemble critical military aircraft, including F-15 fighters, F/A-18 Super Hornets, and components for the advanced F-47 fighter jet program. Despite union leaders initially recommending approval of what they called a "landmark" agreement, District 837 members rejected Boeing's offer. The proposal included the 20 percent wage increase, improved medical benefits, enhanced pension provisions, and better overtime benefits. Boeing characterized this as "the richest contract offer we've ever presented to IAM 837 which addressed all their stated priorities." The Boeing Air Dominance division produces several military aircraft, including the U.S. Navy's Super Hornet and the Air Force's Red Hawk training aircraft. A strike late last year by machinists' union members put a heavy toll on the company, compounding existing production issues and stalling manufacturing of key aircraft including the 737 MAX, 767, and 777 models. The union implemented a seven-day "cooling off" period following the contract's expiration, delaying strike action until August 4. This procedural step is standard in labor negotiations to provide additional time for potential last-minute agreements. What People Are Saying Boeing Air Dominance Vice President Dan Gillian said in a statement: "We're disappointed that Boeing employees voted down the richest contract offer we've ever presented to IAM 837 which addressed all their stated priorities. We've activated our contingency plan and are focused on preparing for a strike. No talks are scheduled with the union." IAM District 837 Directing Business Representative Tom Boelling said in a statement: "IAM District 837 members have spoken loud and clear, they deserve a contract that reflects their skill, dedication, and the critical role they play in our nation's defense." IAM International President Brian Bryant said in a statement: "Our union is built on democracy, and our members have every right to demand a contract worthy of their contributions. We will be there on the picket lines, ensuring Boeing hears the collective power of working people." IAM Resident General Vice President Jody Bennett said in a statement: "Solidarity is our strength. This vote shows that when workers stand together, they can push back against corporate greed and fight for a better future for themselves and their families. We are proud to back our members every step of the way." IAM Midwest Territory General Vice President Sam Cicinelli said in a statement: "IAM District 837 members build the aircraft and defense systems that keep our country safe. They deserve nothing less than a contract that keeps their families secure and recognizes their unmatched expertise." Pro-union stickers are pictured on a pole outside the Boeing Renton Production Facility one day before striking union members will vote on a new contract offer in Renton, Washington on November 3, 2024. Pro-union stickers are pictured on a pole outside the Boeing Renton Production Facility one day before striking union members will vote on a new contract offer in Renton, Washington on November 3, 2024. JASON REDMOND/AFP via Getty Images What Happens Next? Boeing has activated contingency plans and stated no additional talks are scheduled with the union. The company faces pressure to resolve the dispute quickly to avoid delays in critical defense programs, particularly the F-47 production timeline. The duration of the strike will likely depend on whether Boeing offers additional concessions beyond the substantial wage and benefit improvements already proposed.
USA Today
10 hours ago
- USA Today
The housing market is changing. Is a low-fee real estate agent the way to go?
When Jonny Ballesteros and his fiancée, Jen, began house-hunting, they weren't sure what to expect. It was the first purchase for the couple, who are both 29, and in the competitive San Diego-area market where they lived, they needed some hands-on guidance. But the real estate agents they contacted were no help. They appeared to be too busy to offer the kind of service the couple wanted. They decided instead to work with a new company that offers flat-fee brokerage services for buyers. While the cost savings was helpful, Ballesteros also felt he and Jen got the support they needed: suggested homes that matched their criteria, viewing appointments, and online chats about everything from scheduling to questions about process. "We truly needed that hand-holding because it was our first property,' Ballesteros told USA TODAY. In an age when Americans do everything from writing their wills to ordering their groceries online and without a middleman, the residential real estate industry remains stubbornly entrenched in tradition. But one year after a landmark lawsuit changed the way commissions are negotiated, some upstarts think the time is finally right. "The settlements haven't actually changed the transaction much yet," said Ben Bear, co-founder and CEO of TurboHome, the company that helped the Ballesteros. "But what it has done is educated buyers that hey, high commissions don't really make sense." At the same time, Bear said, new technology makes it possible for companies "to deliver a high level of service that does have a lot of personal touch, at a lower price point." TurboHome, which has been around since 2022, is currently only available in California and Texas. Other companies offering similar services for buyers include ShopProp and Arrivva. The longstanding approach to real estate transactions in America had a commission of roughly 5% to 6% paid by the seller and divided between the agents for the buyer and the seller – a hefty surcharge that some observers believe inflated home sale prices. For the home that Johnny and Jen bought, which cost $679,000, the buyer's agent's commission traditionally could have been $20,000 or more. TurboHome's fee was less than half that – $7,500. And the seller agreed to pay it, so the couple paid nothing and was able to apply the money to their loan. How the real estate commission lawsuits changed consumer attitudes A report released in June by the left-leaning think tank Consumer Policy Center explained how the commission lawsuits have helped erode traditional arrangements. 'By focusing public attention on 5-6 percent commissions through news coverage, the changes persuaded some consumers to question traditional real estate brokerage services,' wrote Stephen Brobeck and Wendy Gilch. More recently, they added, the industry jockeying between Zillow and other listings portals and brokerages has helped focus attention on how real estate information is displayed, which may persuade homeowners to sell their properties in non-traditional ways. Douglas Miller is a long-time attorney and real estate industry gadfly who instigated the first of the commission lawsuits filed starting in 2019 against big brokerages and the National Association of Realtors, one of the largest professional lobby groups in the country. A recent analysis shows that commissions paid to real estate agents have barely budged over the past few years. The new upstarts are not "discount brokers," he said. 'They are 'fair fee brokers,' I think is a better way to put it," Miller said in an interview. "The traditional agents want to label them as, 'You are using somebody who's charging less, you're going to get what you pay for.' I would say no, what you're going to get is an overpaid agent if you use a traditional agent.' One of Miller's biggest bugaboos is that the vast majority of real estate agents do almost no deals on a regular basis. According to a 2024 analysis from Brobeck, half of all agents reported no or only one sale the previous year, while 70% did five or fewer. 'In terms of personnel, the residential real estate industry is clearly a part-time industry,' the report concluded. As Miller sees it, the lower-cost companies that focus on transactions probably have more experience than many agents do. The National Association of Realtors did not respond to a USA TODAY request for comment. When does it make sense to work with a traditional real estate agent? Lisa Gill, an analyst with Consumer Reports, thinks that there are advantages to working with traditional agents. "Real estate is still very much a relationship business," she said. "Particularly in very competitive markets, it can benefit both buyers and sellers to have a representative who's tapped into a network of agents." TurboHome's Bear agrees. There are plenty of types of transactions where a buyer or seller may want the kind of high-touch experience Gill describes. But there are also other advantages to companies like TurboHome, which doesn't require that clients be exclusive to them. That means that if another real estate agent is able to find a property, there's no penalty for walking away and choosing to be represented by that agent. Gill also notes that experienced professionals can bring wisdom and context that go beyond the checklist of transactions involved in a sale. Working without a traditional agent might be akin to 'building a house without hiring a general contractor,' she said. It's likely that many sales can be done without that expertise, but on the rare occasion that things do go wrong it may wind up costing more in time and money to fix. Still, evidence is mounting that for many Americans, the 'bare-bones' approach works perfectly well. Miller, a practicing lawyer, is also a licensed Realtor who facilitates dozens of sales every year, making him one of the Realtor Association's top producers in Minnesota, he says. He charges half the amount a traditional agent would – 1.5% of the transaction or less – on the home's sale price or list price, whichever is cheaper, to avoid the perceived conflict of interest that comes from a sale price being bid up. The 2025 Consumer Policy Center report, meanwhile, focuses on the seller experience, evaluating companies Ideal Agent, Houwzer, Trelora, Simple Showing, and 1% Lists, with a special nod for one called Clever, which had more –and more-experienced – agents on its staff. While consumers using those companies need to do a little extra research, the report says, including being absolutely sure which specific services are offered and evaluating the individual agent that will be involved in the transaction, they conclude that 'low fee brokers do represent a viable alternative for home sellers.' Read next: Should you sell your own home? Why a FSBO may look more tempting
Axios
2 days ago
- Axios
Chase keeps opening new Charlotte branches, even as in-person visits decline
JPMorgan Chase's top executives traveled to North Carolina this week to celebrate the opening of the 24th Charlotte-area branch, which is also the bank's 1,000th branch since embarking on a major U.S. expansion in 2018. Why it matters: In the digital age, the days of face-to-face banking would seem dead, along with the brick-and-mortar likes of Blockbuster and bookstores. But Charlotte continues to see new bank branches popping up citywide, from newly constructed locations to others opening in converted Burger Kings and pizza parlors. By the numbers: Since 2014, JPMorgan Chase's teller transactions have fallen 52%, while digital transactions increased 65%. Yes, but: Nearly one million customers still walk into Chase branches every day, says Tom Horne, head of consumer branch banking at Chase. "Customers coming in wanting advice on investments, saving for the future, saving for their kids' colleges, starting a small business — that's grown," Horne tells Axios. "For a lot of those things, people want to talk to somebody — not just do it digitally." The company says more than half of its new checking accounts are opened in person. In Charlotte, branches are staffed with financial advisors, home lending experts, small business relationship managers — "anything a client needs," Horne says. The big picture: The new SouthPark location on Fairview Road is part of Chase's much-larger plan to open 500 new branches nationwide by early 2027, including in underserved markets. The company says it's on track to meet that goal. In 2018, JPMorgan Chase was in just 23 states. By 2021, it was in 48. Chase started opening branches in the Charlotte market in 2020 and now has 46 in North Carolina, including 24 locally. Twenty-seven percent of branches are in low-to-moderate income communities. The company points to its locations on Freedom Drive and Beatties Ford Road as examples. Zoom in: Chase has a team dedicated to strategizing new locations and pinpointing MSAs with the most opportunity. Deciding where to build a branch is a "deeply analytical process," Horne says, involving studying markets' affluence and population trends and examining corners with high traffic. "Does it make sense to put a branch on this corner or this corner?" Horne says. "Well, this corner because it's next to a Chick-fil-A. Branches always do well when we put them next to a Chick-fil-A." The intrigue: Charlotte, as the second-largest banking center in the U.S., has more established players — like Wells Fargo and Bank of America — for Chase to compete with. But Horne says that's no stress to them. "We're not going to avoid a market where we think there's opportunity, just because there are other big banks there," he says. The Carolinas also have rapid migration. Often, existing Chase customers relocate here and are looking for their familiar bank. What's next: Chase's goal is to place branches within reasonable driving distances of 75% of Americans. Some customers still travel over an hour to get to a branch, the company says.
