Monthly Archives: January 2017

The Good, Bad & Ugly About Texas Real Estate

Being a banker requires one to be a “Jack of All Trades.” Because they make loans to groups from vastly different industries, they must have expertise in many different fields. Here is “The Good, The Bad & The Ugly” of the Texas housing market, which might have been discussed at the “Texas Bankers Association’s 5th Annual Strategic Opportunities and M&A Conference” held on November 7, 2016.


“Good: Breaking Sales Records”


Property is one of the primary inputs for productivity and land purchases remain an important loan category for most successful financial institutions. The booming North Texas real estate market in 2016 was very “Good” for bankers. The unemployment rate was low and jobs were plentiful.


“Bad: Low Homeownership Rates”


During the 1990s, the Federal Reserve made a concerted effort to increases homeownership rates in the United States, using Freddie Mac, Fannie Mae and private banks. As of 2016, the United States homeownership rate was only 63% with the Texas homeownership rate, being a “Bad” 61%. Why is Texas so low?


The Houston Chronicle points out that many factors impact homeownership, including age, urban density and poverty rates. Mississippi, Utah and West Virginia all have higher homeownership rates than Texas.


“Ugly: Only Two Months Supply”


The high sales for Dallas homes is partially due to a low supply of luxury dwellings. Unlike other cities with a supply of about six months or so, Dallas only has an “Ugly” supply of two months. NexBank can help solve that problem.


NexBank President & CEO John Holt might have explained what could be done to solve these problems at the banker’s panel on “Reinventing Community Banking: Perspectives on Competing by Innovation.” Hopefully, more single family houses can be built to satisfy high demand in 2017. Bankers have the solutions.


Eminem VS Kanye West: Who’s the Best Rapper?


There are many famous rappers out there who exist, some of them terrifying murderer rappers. They often have many different talents and strengths but by far their biggest talent is their music. We all know of the famous ones, especially ones like Kanye West and Eminem. Both enjoy rapping and both enjoy making music with their loved ones featured as part of their music. They have a unique talent musically and share that with others.


Differences between Eminem and Kanye West


Kanye West and Eminem are extremely different, personality wise. Kanye West loves to be in the news. He enjoys talking to famous people and meeting new people. He loves making music and is often spotted with his wife, Kim Kardashian.


Eminem, on the other hand, prefers to spend more time focusing on his music and promoting his personal interests. He enjoys working on new records and releasing high-quality, original content. You can clearly see the passion that he displays through his songs and his music.

There are many differences between them, of course. These are just two of the differences. Others will be able to comment on the time they spend with the press and the time they spend with both family and friends.


Both are wonderful, career driven people who love to meet and hang out with new fans and embrace their culture. In all, there are many things about them that stand out and make them famous. Hopefully they don’t end up on a list of poor rappers some day, but considering how famous they are now, that would be highly unlikely.

The Success and Innovation of Chris Burch

Chris Burch is an innovator who has created a name for himself within the technological industry and has continued to find new and innovative ways to branch out from the normal business routine and to change the way that individuals all over the world see innovation and technology. Chris Burch is the founder as well as the CEO of Burch Creative Capital which is based in New York City and specializes in investment ventures as well as brand development. His intelligence as well as his flare for business has made his net worth growth exponentially to be in the ten figure range and continuously growing.

Chris Burch has been involved in many investments opportunities and projects over the years and has been especially interested in the constant growth of industries such as the technological industry as well as the fashion industry. Chris Burch believes that these two industries are combined due to the fact that individuals only buy innovation and technology that has a fashionable touch to it. Like the growth of fashion and the reason behind it, Chris Burch has been able to understand the fact that the technological industry is an industry that grows with innovation. People all over the world only buy the new iPhone because it is a new electronic that serves a purpose and is like a new toy to many consumers.

Chris Burch has been able to use his skills within the world of business to make sure that fashion remains tied to the world of technology. As an example that Chris Burch gives, the recent creation of Google Glasses is one of the leading innovations in the 21st century that has not attracted as much attention as planned due to the fact that glasses are not considered to be the most fashionable choice to wear. In addition to this, Chris Burch has pointed out that the high price of the glasses is off putting and is not within the price range of many consumers all over the world.

Chris Burch has been able to successfully combine technology and fashion together to grow businesses all over the world and to launch brand new brand names. Chris Burch has not only launched clothing and accessories, but has also launched home decor brands. With the success of Chris Burch in the industry of technology and innovation, he plans to continue to combine these two industries to grow them even more.


Behind Bars? No Worries, Securus Technologies Has Your Back!

As a disabled combat veteran dealing with post-traumatic stress I made a few bad decisions several years ago after returning from the Persian Gulf. Unfortunately, those decisions put me behind bars. Now, as the founder and director of a nonprofit for veterans with PTSD and find themselves incarcerated, I have had the unique opportunity to see firsthand the evolution and innovation of Securus Technologies along with the dramatic impact this company has had, not only in inmate communications but in increasing the safety of inmates, law enforcement agents, and correctional officers alike.


I recently read an article on about Securus and wanted to add my personal support and experience to the article.


As a former inmate I understand completely how important it is to be able to have contact with family, friends, and most importantly, legal representation when behind bars. Back when I was incarcerated the phone system provided by Securus was my only link to the outside. Now, with the constant innovations by Securus, inmates can not only call but have an online visitation with both family and/or attorney.


In addition to the innovations that benefit the detained, Securus constant new patents make life safer for corrections officers by utilizing enterprise software which reduces crimes committed by the incarcerated, decreases the amount of drugs smuggled into our jails and effecting gang violence on other inmates and officers.


If you are unfortunate enough to find yourself or a loved one as one of the 1.2 million detainees Securus systems provide for nationwide or considering a career in law enforcement or corrections in one of the 3450 public safety, police agencies, or correctional institutions that Securus serves, be grateful and confident that Securus Technologies has your back.



Thor Halvorssen’s Passion: Human Rights

Thor Halvorssen, who is otherwise referred to as Leonardo Halvorssen Mendoza, was born in Venezuela in 1976. He is a well-respected human rights advocate. His advocacy is in individual rights, civil liberties, democracy and public interest advocacy. He started The Oslo Freedom Forum, which is an annual come together of human rights champions. The Economist describes the gathering as a spectacular event which comes close to the equivalent of forums such as the Davos gathering, but with a human rights agenda. Thor Halvorssen is president of human rights foundation. This organization devotes itself to the freedom’s and rights of people. He serves in a Czech-based peace movement for children: On Own Feet. He is the patron of the same project. He founded Moving Picture Institute.


His father was an ambassador for the government’s anti-narcotic campaign. He also served as a special investigator at the senate commission of Venezuela. Thor attended the Pennsylvania University graduating phibeta kappa as well as Magna cun Laude in undergraduate and the graduate degree. He specialized in History and Political Science.

Parents Struggle

His father was arrested when Thor was still an undergraduate student. The dad was arrested for allegations of fraud and money laundering. It was an incarceration of close to 3 months, a period that saw him beaten, tortured and almost killed in jail. He was also charged with another count: terrorism. Thor, fearing for the life of the dad, engaged in a campaign to have him freed. Amnesty International was involved leading to the release of the dad after being found innocent. Later, he was made director of International Society for Human Rights Pan-American Committee.

Human rights and political inclusion seem to have run deep in Thor’s family. The mother was shot during peaceful protests. During these protests, many protesters were shot at and wounded by the Venezuelan police. The actions of these militant men were captured and aired on television leading to the apprehension of the shooters. They were tried at first, but their sentences were revoked. A short time later these gunmen were retired and each got a three-year jail time.


Halvorseen was awarded the Sol Feinstone Award by his former university for his efforts in human rights activism. In 2010, Thor received the Silver Medal from the Romanian President: as a sign of appreciation for the work he has devoted his life and energy. He continues to champion human rights in his country and across nations.

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Getting A Good Business Lawyer In Brazil

Are you searching for the right lawyer for your situation? Want to be sure you are dealing with a lawyer who will be able to give your case the attention it deserves?

When you are in the midst of business or corporate litigation, you need a lawyer you can count on. Your livelihood is at stake and you need a lawyer that will fight for you. So selecting the right lawyer is crucial to the future of your enterprise. When choosing a business litigation lawyer, there are a few things that you need to know.

Getting an experienced lawyer is a great idea and will ensure that your case is handled appropriately. An experienced lawyer will have the right resources and skill to advise and represent you.

There are many good lawyers in Brazil but make sure that you get someone who is qualified to practice in the right jurisdiction for your legal issue. Also be sure to check the lawyer’s background and be sure there are no unresolved complaints against the lawyer. And arrange a consultation to discuss the case before making a decision.

Ricardo Tosto specializes in business law and corporate law. He handles legal issues for clients in their organization, and has more than 22 years of experience advising and representing large companies, professionals, corporations, multinational organizations, institutions and high-profile individuals throughout Brazil.

Mr. Ricardo Tosto works hard to protect the rights and best interests of his clients. One of the extraordinary things about Ricardo Tosto is that he is focused on every situation he addresses. He takes the time to speak with his clients and know them, know their scenario, and he has the capacity to help them. This reinforces his mission, which is to give each client his full and undivided attention.

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Jennifer Walden Achievements as a Plastic Surgeon

Jennifer Lee Walden is a plastic surgeon, based in the US. She is also a media commentator and the founder of Walden Cosmetic Center. Jennifer has been in the plastic surgeon industry for almost a decade. She mostly focuses on cosmetic surgery. She has done several eye lifts, breast augmentation and rhinoplasties. She is performs liposuction in the abdomen, arms and inner thighs too. Individuals who want to have minimum invasive producers like soft tissue fillers and injecting Botox can also get help from her.


Ms. Jennifer Walden is among the few women who have managed to venture in to the male dominated industry. The cosmetic plastic surgery department is mostly preferred by men. In the United States, there are eight thousand certified plastic surgeons. There are less than nine hundred female members out of these surgeons.


Plastic surgery is dominated by men because of several reasons. First of all, the doctors who choose to study in the filed have to undergo five years post their medical school to become qualified surgeons. Some have to undergo two more years of fellowship to perfect their skills, and this discourages many women. For a woman, studying for so many years means that she will have children at a delayed age. The culture of the surgery is also very rough, and it has never been welcoming to women. If a woman becomes a plastic surgeon, she must always try to prove her skills to the community.


As a plastic surgeon in Texas, Jennifer is forced to compete with the male colleagues.

However, become a female surgeon has its benefits. Most of the procedures are conducted on women. These women want to make their bodies look better because they are embarrassed of a saggy part. After giving birth, the female undergoes several changes: the abdominal muscles spread because of pregnancy and the breasts change their shape because of breastfeeding. If a woman conducts the surgery, the women are sure that they will not be judged, and this gives Jennifer an upper hand.


In her career as a plastic surgeon, Jennifer has transformed the lives of many women. She is also a role model to many women who want to venture into the male dominated industries.

Laidlaw: The Unprofessional Investment Banking Firm

Relmada Therapeutics filed a motion to amend the previous complaint that was part of the lawsuit against Laidlaw & Company a few months ago. Relmada develops treatments for chronic pain and Laidlaw was once their investment banker. The therapeutics company had sued the investment bank for releasing false information against the enterprise. They said the information was acquired when Laidlaw was the company’s investment banker and was disseminated by Laidlaw’s executives known as James Ahern and Matthew Eitner.


The updated complaint highlights how Laidlaw broke fiduciary duty when they released this information and stated that Relmada is seeking compensation for costs accrued because of the said offense. Ahern, Eitner, and Laidlaw had been issued with tentative restraining orders by the Nevada court in which the case was heard.


Laidlaw’s actions have adversely affected the business as it can be seen from the stock price which was trading at $4.03 per share on the date that Laidlaw issued the press release. The stock price was at $1.65 per share at the time Relmada filed the complaint. The actions of Laidlaw were seen as retaliation for the comments that Relmada had made about their quality of service. Relmada was not impressed with how Laidlaw had conducted a road show to secure new investors for the company.


Laidlaw was previously known as Sands Brothers International Ltd. It is an investment bank and brokerage firm that is incorporated in England. They offer pooled investment strategy in some sectors including insurance, technology, and retail. They offer capital raising, acquisition financing, and placement of debt. They have offices in England, New York, Florida, and Texas.


FINRA has blacklisted some of the employees at the firm for offenses that they have committed in the past. Most of the former employees of the company have described it as a dangerous place to work. I support that because of the many negative reviews that people have written about the company online.

The Active Involvement of Thor Halvorssen in the Human Rights Advocacy

Thor Leonardo Halvorssen Mendoza is the founder of Human Rights Foundation and Oslo Freedom Forum. He draws his interests in human right advocacy from the wrongful imprisonment and torture of his father in a Venezuelan jail. The government securities also gunned down and wounded his mother in a peaceful public gathering in Venezuela. The two incidences have contributed in Thor’s interests in protecting the human rights in the United States and other countries. He is involved in the advocacy of individual and civil rights, public policy and interest, as well as fighting for democracy in the country.

The release of his father

In 1993, Thor Halvorssen led a campaign that sought the safety and release of his father from jail. He earned great support from numerous human rights advocates, public figures, and international organizations such as Amnesty International and International Society for Human Rights. The campaign succeeded with the release of his father on the Christmas Eve. Thor graduated from the University of Pennsylvania with a degree in History, Political Science, International Relations, and Romance Languages. At the University, he served as the legal advisor for the students charged at the university’s judicial system.

Career Information

The Venezuelan-based human rights activist and film producer began his activism in London. He led people in opposition to the South African apartheid in 1989. Thor Halvorssen was the previous CEO of the Foundation for Individual Rights in Education from 1999 to 2004. He currently serves as the President of Human Rights Foundation and the CEO and President of Oslo Freedom Forum.

The Human Rights Foundation

Human Rights Foundation started with the aim of protecting the rights and liberties of the Venezuelan citizens. He founded the company in 2005 after the shooting of his mother in the political protest. Additionally, the company keeps the information about the countries led in a dictatorial way, for example, North Korea, and Angola. In the past, he has used this information to address the various oppressions that are happening in the world.

Relationship with the Media

In 2005, he founded the Moving Picture Institute (MPI) in his quest to address the various social injustices in the world. Thor Halvorssen believes that media is the most efficient medium through which people get to learn lessons on their rights. The institute has given grants to filmmakers and helped in the production of more than 30 films. Thor has appeared on different television outlets such as CNN, HBO, Fox News Channel, al-Jazeera, BBC News and Bloomberg among others.

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Wikipedia Marketing Increases Sales Exponentially

WYPR – 88.1 FM of Baltimore, Maryland announced, “Donald Trump’s Wikipedia page was the most edited page with 8,933 edits in 2016, second only to Deaths in 2016 with 18,230 Wikipedia edits.” Wikipedia pages generate interest in your content and send readers to your blogs and websites. You can use the pages to generate email marketing lists and sales. Wikipedia will help you close more sales and increase customer satisfaction by providing information without delay whenever the customer wants it.

Search Priority

“George W. Bush” is the most highly reviewed and edited article in the history of Wikipedia with 45,862 revisions. Recent news topics, like the Orlando nightclub shooting, are usually most frequently viewed and edited.

Wikipedia is always at the top of the list of Google search results. Your name, your business name, location, and contact information in Wikipedia will be listed at the top of each web browser’s list.

Experienced Web Designers

Experienced Wikipedia editors use best practices and guidelines to get your brand, logo, products, and services in front of millions of readers. They use Search Engine Optimization (SEO) tools to connect your content with your virtual enterprise network. Wikipedia is a powerful peer review website. It gives you credibility, authenticity, personal testimonials, reviews, and critiques. Your content is linked to customer, vendor, and competitors’ websites. You and your business gain a prestigious image, a web presence, while you develop your product line and reputation.

Marketing Tool

Professional Writers use statistics to support their premises. Statistics and stunning media graphics hold reader’s attention, increase their knowledge, and link them to additional related information and facts. Wikipedia editors follow guidelines and link to Google, Facebook, and Twitter. You can operate concurrent webpages and social sites to build your reputation.


Wikipedia holds a prominent position on the Internet. Your webpage pops up when the reader clicks on the broadcast banner at the top of the webpages. Social information, facts, figures, and statistics for 2016 are displayed on the side-bars of the website.

Creating Wikipedia pages is complex and difficult. Novices must begin by creating a Wikipedia page and optimize the page to rank high in the Google search engine. Wikipedia writing guidelines are available online.