Zubair Ghias – Goldman Sachs and Co.

Zubair Ghias has held a number of impactful and prominent positions in the financial industry, all of which has helped develop him into the person he is today. Few of these positions helped mold him into the professional he is now quite like Goldman Sachs and Co. Goldman Sachs and Co. is described by the official website for the company itself as, “The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments and high-net-worth individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world.”. In addition, they also provide a broad range of investment banking services to a diverse group of corporations, financial institutions, investment funds and governments.

Zubair Ghias

Zubair Ghias

Zubair Ghias spent the summer of 1999 as an analyst for Goldman Sachs and Co. while he was finishing up with his degree at the University of Chicago. Mr. Ghias’s time with Goldman Sachs and Co. would be his first real world experience with a financial institution, and a defining point of his own personal and professional growth. At Goldman Sachs and Co. Zubair Ghias would be responsible for designing spreadsheets, updating databases, and even performed a procedural interview for the companies Event Management Committee regarding a Y2K Contingency Plan. It was Mr. Ghias’s preparatory experiences with Goldman Sachs and Co. that would help foster his career, turning him into the trusted adviser he is today. After Zubair Ghias’s time at Goldman Sachs and Co., he would become both an independent business owner and investor, as well as a professional outside consultant for many companies in the finance industry.



Zubair Ghias – Education

Zubair Ghias is a dedicated and enthusiastic professional who says that he owes much of his success to a solid educational background. Mr. Ghias says that education is vital to personal and professional growth, and that receiving the proper one makes the difference between success and failure. Zubair Ghias was indoctrinated with the importance of academia by his parents, who stressed to young Ghias that college was a window for opportunity. It is for that reason that after finishing high school, Mr. Ghias would attend the University of Chicago. The University of Chicago is a school rich with American history. As it says on the Universities official website itself, “UChicago’s leadership was noted by Frederick Rudolph, professor of history at Williams College, who wrote in his 1962 study, The American College and University: A History, “No episode was more important in shaping the outlook and expectations of American higher education during those years than the founding of the University of Chicago, one of those events in American history that brought into focus the spirit of an age.”.”


Zubair Ghias

Zubair Ghias

Zubair Ghias chose the University of Chicago as his academic institution because of its rich American history as well as its world class programs. Mr. Ghias says that his time with the university was one of personal growth, where he found both knowledge and friendship. Mr. Ghias also found a profession while attending the university. Mr. Ghias would go on to receive his Bachelor’s degree in Economics from the institution, something that resulted from Mr. Ghias’s keen sense of finances, as well as his desire to become an independent investor and adviser. Mr. Ghias would go on to experience great success in the financial world, establishing himself as a trusted and expert adviser and investing guru.

Zubair Ghias: ISO 9000

Zubair Ghias knows how important it is when being an equity investor to invest in companies that have a very strong quality management system in place. This is why Zubair Ghias is very particular about only investing in companies that are ISO 9000 certified. Numerous studies that have been done recognize that companies which are certified with the ISO 9000 family of quality managements systems, have a significantly higher return on assets often through better operational performance.

Zubair Ghias

Zubair Ghias

Zubair Ghias knows that the ISO does not actually certify any companies. Instead what happens is auditing organizations will issue certifications upon compliance with ISO standards. Often times, companies and individuals will refer to their certification as ISO 9000 certification however that is not strictly speaking, accurate. Instead companies and other organizations can be certified in ISO 9001:2008

Zubair Ghias understands that some of what an organization trying to get ISO certification is audited on includes a very extensive sample of functions, sites, products, processes, and services. The auditor will then present a list of the issues to the management as opportunities for improvement. If there are no opportunities for improvement then the certification will be issued. If there are opportunities for improvement then the organization attempting to be certified will put together an improvement plan and carry the plan out. When that has been completed sufficiently for the accrediting bodies auditors, then the certification will be issued. The accrediting body will often recommend a renewal period that is often set at every three years.


Zubair Ghias: Property Investments

Zubair Ghias knows that investing in property can be very lucrative. This is why he began his own company to handle property investing. With 13 years in operation for the company, Zubair Ghias knows that there are some valuable hints that can be shared to potential real estate investors.

One such idea that Zubair Ghias knows is very important is top pay attention to debt service coverage ratios. Since commercial real estate lenders often use the debt service coverage ratio to help make a loan determination, it is important for the savvy investor to stay abreast of them as well. There is a pretty easy calculation ratio that they use. To calculate, you will want to divide the properties net operating income by its annual debt service. A commercial lender will want to see the coverage ratio over 1.25 or a net income that is at least 25% over the loan payments. This will help give a positive cash flow as well as leaving some margin of room for error.

Zubair Ghias

Zubair Ghias

Zubair Ghias also knows that it is very important to carefully consider whether it is wise to invest in rehab properties. Rehabbing a property can be fun and exciting however delays and cost overruns can make a good investment turn sour very quickly. The best way is to make sure you have a very strong understanding of the market in the area to help you budget and determine what it will take to make the property ready for the market.

Zubair Ghias: Real Estate Investing

Zubair Ghias knows what it takes to be a successful executive. He has worked at the highest levels of one of the best investment companies in the world, JPMorgan Securities Inc. as well as being an owner and general manager of a top end restaurant and starting his own investment company. These experiences have led him to be very knowledgeable about the keys to being a successful real estate investor.

Zubair Ghias

Zubair Ghias

Zubair Ghias knows that one of the most important things for anyone looking at investing in real estate is doing their research. Research is an essential tool to becoming a successful real estate investor. Some of the research should focus on the prices of comparable properties and what the price history is of those properties. It is also extremely important to decide whether you will be operating the property you are purchasing as a rental unit. If you are you will want to research the rental rates in the area, market vacancy rates in the area, and standard lease terms. It is also important for you to research and know what the estimates for tax, maintenance, utility and mortgage market information.

Zubair Ghias also knows that it is important you do not “fall in love” with the property. Doing so can hinder judgment and risk your investment. Instead of falling in love with the property, know what the risk adjusted return is and have an exit strategy as well as a back up exit strategy in place before your purchase.


Zubair Ghias: Milton Friedman

Zubair Ghias is a proud graduate of the University of Chicago. He studied Economics while he was there and knew that he was learning from many great professors and learning economics from the same place that the great Milton Friedman used to teach.

Zubair Ghias

Zubair Ghias

Zubair Ghias knows that Milton Friedman is by many considered to be the greatest of American economists. He won the Nobel Prize in 1976 for his work and “achievements in the fields of consumption analysis, monetary history and theory, and for his demonstration of the complexity of stabilization policy.” Through his many great achievements in the field of economics, in his own mind, his greatest works were not what people think.

While President Richard Nixon was in office Milton Friedman headed the committee that Nixon created to research a conversion of the United States Military to become a “volunteer” military rather than a drafted one. Milton Friedman believed that having a draft was “inconsistent with a free society” Rostker, Bernard (2006). I Want You!: The Evolution of the All-Volunteer Force. Rand Corporation p. 4. In an Interview in June of 1995 for “Reason” magazine, Milton Friedman said “In the Realm of Policy, I regard eliminating the draft as my most important accomplishment.”

Zubair Ghias knows that many people consider Milton Friedman to be one of the key people in the Chicago School of Economics thought. He also had an enormous influence on the policy and politics of America and his influence continues to be felt to this day throughout the country and the world.

Zubair Ghias knows that he went to one of the greatest schools in the world for economics, the University of Chicago. Graduates and others affiliated with the Chicago School of economics have won or won part of 22 Nobel prizes in the 45 year history of the Nobel Prize in Economics. One of the ways that many people think of the Nobel Prize in Economics is based on the school of thought that the winner based their works on and 13 times it has been based on the Chicago School of Economic Thought.53-fc2c0bdf59a11118e6a913885230c96b_DSC_0153

The Chicago School of Economic thought largely came around because of the many professors who over the years created a neoclassical school of thought which is a line of thought that reject Keynesianism economic theory in favor of monetarism and then in the 1970’s embraced new classical microeconomics. New Classical microeconomics is based largely on the idea of rational expectations.

Zubair Ghias knows that the school has basically had three waves of economic thought which has shown an evolution in the theories associated with the school. The first wave is often referred to as “Old Chicago” school of economics. That wave included Frank Hyneman Knight who wrote the influential book, Risk Uncertainty and Profit. He was also known as one of the professors who taught one of the greatest economic minds in American History, Milton Freidman.

Zubair Ghias knows that the education he received at the University of Chicago is second to none and is proud of his school’s many accomplishments.

Zubair Ghias: To Economics School