these factors can lead to huge revenue but at the first place they need finance to start with. Dr. Andres Ramirez is an Assistant Professor of Finance at Bryant University, where he teaches Global Dimensions of Financial Management Multinational Finance and Financial developments in Latin America. He obtained his PhD in International Finance at the University of South Carolina. His research concentrates in multinational corporate finance, natural disasters as well as nonprofit financial management. Dr. Ramirez has published in prestigious journals such as International Business Review, Multinational Business Review, Journal of Multinational Financial Management, Journal of Financial Planning, and Public Finance Review, He also serves as an advisor for firms doing business or exploring business opportunities in Latin America.