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Most Recent Changes Affecting Residential Mortgages

The hard economic times tend to stretch one too far to own property. Most banks and money lending institutions have come up and are loaning people the necessary cash to make it easy for potential buyers to acquire the funds. However, the budget that was released by the government of President Trump reduced the allotment of Department of Housing and Urban Development by 13 percent from the figure that was in 2016. It is very likely to affect most of the financiers who consider Housing and Urban Development as an essential in their programs.



Nationwide Title Clearing; What Their Services Entail



Nationwide Title Clearing was started in 1992 and is based in Palm Harbor, FL. From their records, the firm has an estimated annual revenue amounting to 103045309. It has also played significant roles in the society by providing employment for an estimated figure of 150. Being in the category of bond and mortgage companies has made the firm come into the limelight for consistently guiding individual investors and financial institutions.



Mainly they provide services revolving around producing documents for the parties involved in the transactions. You understand that before purchasing a property, you should do a search to find out whether it registers under another person’s ownership. Should that be the case, you know it is only safe to avoid pursuing such endeavors.



NTC Expands Their Horizons to Dallas



NTC’s new office is expected to be manned by Scotty McEntire, serving as the Chief Information Security Officer. Among the services they provide in that office are staffing and disaster-recovery through their revamped site. The company aims at refining their services through ensuring data back-up so that at no point will information be lost.



As well, following the fluctuating markets, the company has set up the Dallas office so as to get assistance on regulating the work overflow. The company boasts of having gained recognition across Palm Harbor, due to quality service delivery. They have even won awards, and such gives them the assurance that employing the same model in Midwest will equally get them established.






NTC is the right company for many people not only for their award-winning services but also because they get themselves involved in the community activities. They have a remarkable record of philanthropic tracks. As well, they consider taking their clients through a two-days training on the foundations of mortgages. They have enlightened so many people to avoid getting them into the markets without adequate knowledge.


For more details, visit




Financial Expert Richard Blair Offers His Investment Strategy

Richard Blair of Wealth Solutions recently offered his outlook on investment strategy. Through Wealth Solutions, Blair offers customized financial planning to high net worth individuals, families, and small business owners.

From his offices in Austin, Texas, he helps other residents of Austin as well as surrounding communities such as Houston, Georgetown, and Marble Falls. Richard Blair has earned a number of financial accreditations including RICP, CAS, CFS, CTS, and CES.

Blair believes that as markets change over time the investing strategy that you employ needs to change along with them. His outlook is to manage your investments in such a way that they participate in those periods that are markets are going while limiting downside risk when markets inevitably decline.

He has said that he recognizes the goals that his clients have while they are saving for retirement as well as how they look at risk as they near and then enter into retirement. Most of his clients seek to have a steady income during retirement from their investments, want to preserve their wealth, and pass on an inheritance to their families and others.

Blair earned his Bachelor’s Degree in Finance and Financial Management Services from the University of Texas in 1993. He now has over 20 years of experience as a financial adviser and is recognized in Austin as one of the leading one of the premier financial advising firms in Wealth Solutions.

His interest in advising others on their wealth developed from being exposed to the world of education in his youth due to his mother and grandmother, and then his eventual wife, being teachers. He founded Wealth Solutions in 1994 when he was just a year out of college.

According to Crunchbase, Richard Blair Wealth Solutions goal with every client is to offer his clear, unbiased, and objective investment advice for their retirement goals and aspirations. Throughout his career he has developed extensive knowledge about the subject of retirement and how to approach each stage that a client is is in whether it is accumulating assets, preserving assets, and eventually being able to live off their investments.

He has learned what the pitfall are surrounding investing and how to navigate his clients around them.

Fabletics – Leader In The Market For Athleisure Clothing Line

Achieving success in the fashion market, when big brands like Amazon are already thriving and have a market share of 20 percent is not an easy task. However, Fabletics, a start-up by famous Hollywood celebrity and fitness diva Kate Hudson, changed all that when it became a company worth well over $250 million in just over three years.


The company followed a unique reverse showroom method to penetrate the market, wherein they opened an online fashion portal and increased their member base. Once the member base reached a high figure, Fabletics started opening its store across the country. It helped the company carry on with its growth momentum and reach out to a wider audience through real marketing.


The company aimed at providing convenience, high value for money and a brand that is aspirational, inspired by Katie Hudson and providing value for money. The company defined this business model after studying that the brand that is only defined by price and brand image does not guarantee sustainability. Fabletics incorporates some elements to drive success in the competitive market, such as providing high-quality customer experience, brand recognition, innovative designs and flexibility to the client. Fabletics followed the models of a highly successful company such as Apple in positioning the brand in the highly competitive fashion online market, and having much grip online enables the company to open more physical outlets.


The general manager at Fabletics, Gregg Throgmartin, said in an interview that the subscription model of the enterprise allows Fabletics to offer personalized services to its members without having to spend an exorbitant amount of money. Having understood the requirements and preferences of the members through the membership models helps the company to provide customers exactly what they are looking for within their budget. The reverse showroom model of the company has helped the company increase its subscription base considerably because the primary focus is building a relationship with the customer rather than getting sales. Once the customers see the products on offer, and at the price point they are available for the members, Fabletics believe they are more likely to become members.


Fabletics is today the number one athleisure brand in the market today at the price point it deliver. The company continues to add new collections with modern designs to ensure members always have a variety available. The VIP members of the brand are given updates on new designs through the mail each month, and all they need to do is to pick the designs and product they select before 5th.


At present, the company has 16 stores across the country and plans to open much more in the near future. The co-founders of Fabletics, include Katie Hudson, Don Ressler, and Adam Goldberg. Presently, the company has over 1,000 customer support executives and the backend team consist of the workforce of another 400 employees, which signifies the growth the company has witnessed since its inception in 2013. Fabletics have received and continues to receive rave reviews from the customers and has got a strong foothold in the ‘Athleisure’ clothing line in the market.

WEN By Chaz For A More Healthy Hair

Chaz Dean created WEN over 16 years ago with the aim of providing hair care products for a shinier, stronger, manageable, and healthy looking hair. The Wen conditioners and shampoos are sulfate-free, an ingredient found in most shampoos. WEN has a five-in-one hair cleansing conditioner that takes the place of a shampoo, conditioner, detangler, deep conditioner, and leave-in conditioner. The WEN hair cleansing conditioner is available in different fragrances including sweet almond mint, fig, tea tree, pomegranate, cucumber aloe, and lavender.

How to use the cleansing conditioner

While cleaning the hair, use 10-16 pumps for short hair, 16-24 pumps for medium length, and 34-32 for long hair. Apply to the scalp and hair while splashing some water to distribute the cleansing conditioner to all parts of the hair. Massage the cleansing conditioner on to the scalp leaving it for 10 to 15 minutes before rinsing. Washing the hair using WEN products leaves the hair shinier, fuller, and softer.

Positive review from a user:

One user attested to the great results on the hair on an article published at Bustle. Emily McClure heard about WEN by Chaz Dean and decided to try out the fig version of the hair cleansing conditioner. Her thin hair experienced significant changes after one day of use. During use, she noted that very few strands of hair fell during the shower in addition to the improvement of the hair thickness.

After continued use of the products for a week, she realized that the hair was more shiny and bouncy. It was also easier to develop long-lasting waves in a very short period. She, however, noted that her strands became a bit more oily and unmanageable if she skipped washing her hair. Therefore, it is advisable to use the WEN cleansing conditioner on a daily basis to avoid extremely oily hair. Her friends also noted a general improvement on the shine on the hair. TO purchase the products, simply visit or Or click here:


Financial Advisors’ Failure To Talk About Social Security

Financial advisors are obliged to talk to their clients about social security, but they are avoiding this topic. Wall Street Journal sought an explanation to this from the president of Nationwide Financial Sales and Distribution, David Giertz.

David Geirtz’s Experience
David Giertz has over 30 years’ experience in financial advisory. He has a diverse work experience gained from working with topnotch financial firms. He worked for Financial Horizons Securities Corporations, CITICORP Investment services among others. In 1986, David took the General Industry Exam on In the following year, he took the State Securities Law Exam. In 1994, Geirtz took the Principal/Supervisory Exam.

David Geirtz has built a successful career in the finance industry on Facebook. He was made the vice president of Nationwide Insurance Company in April 2013. He has previously worked as a broker-dealer in securities. At 52 years of age, he is on top of his career, and he resides in Columbus, Ohio.

David Geirtz attributed the ignorance of the current financial advisors on matters social security to the complexity of the social security handbook. Speaking to the Wall Street Journal, Geirtz said that the 2700 rules in the handbook are a lot to comprehend.

David Geirtz analyzed the outcome of a survey that was carried out by the Nationwide Financial Retirement Institute at The survey that was done on consumers, people who are retired and those who are ten years from retirement revealed that most advisors did not address social security with clients. Four out of five would change their financial advisor if they failed to talk about social security.

“A Financial Advisor is part of the retirement income process planning.” said Geirtz.”Those who turn on social security too early could lose up to $ 300,000 over 25 years.” warned Geirtz .He concluded by saying that social security is important in income optimization.

Brazilian Legal News As Explained By Ricardo Tosto

Brazil is frequently portrayed as a litigious society with backlogged courts unable to keep up with the number of new lawsuits filed each year. With more than 940,000 accredited lawyers, including public lawyers and those who work at private law firms, individuals and companies have a number of choices when hiring an attorney, however, the quality of legal representation varies greatly. Success in the courts often depends upon using prestigious law firms with highly regarded lawyers, such as Ricardo Tosto de Oliveira Carvalho of Leite, Tosto and Barros, a respected jurist and graduate of the Universidade Presbiteriana Mackenzie.

As a founding partner and one of the most prominent lawyers in the firm, Ricardo Tosto often handles the complex corporate restructuring, banking and commercial litigation cases in addition to training and mentoring new associates. Leite, Tosto and Barros, which is based in São Paulo, specialize in business law, providing comprehensive legal services for a variety of industries. Ricardo Tosto has gained fame for representing notable public figures and large corporations in cases that attract national attention.

Approved by The Latin American Corporate Counsel Association, Ricardo Tosto de Oliveira Carvalho is a member of the Brazilian Bar Association and the International Bar Association as well. In addition, an author, Ricardo Tosto de Oliveira Carvalho co-authored The Process of Tiradentes, a transcript of the Tiradentes trial legal proceedings with annotations by contemporary lawyers explaining the law at the time. In addition, Ricardo Tosto de Oliveira Carvalho uses his social media accounts to explain recent legal news in easily understandable language. for more.

Jose Borghi – Top Most Advertising Professional in Brazil with Enormous Experience

Jose Borghi is one of the most influential advertisers in the Brazil’s advertising scene. He is the man who created few of the most famous Ads remembered till date in the country, including the ad campaign Mammals of Parmalat, focused towards wildlife conservation. The Ad showed kids appearing as stuffed animals, and had favorite jingles running in the background. The Ad was moving and compelling and is remains as one of the best Ads ever made in the country.

Jose Borghi currently serves as the Co-Chief Operating Officer at the internationally acclaimed Mullen Lowe Brazil. Jose Borgi has been interested in the advertising world from the very early age. His interest in advertising began when he went to Cannes Film Festival along with his sister to watch the Ads that has won the Lion Awards. The advertisements he saw imbibed in him the love and fascination for the Ad films and decided that he would grow up to be a professional advertiser, which he is today. He studied marketing in Sao Paulo State’s highly reputed Pontifical Catholic University.

After graduation, he immediately joined Standard Ogilvy marketing and advertising firm, considered to be one of the best in the world. He worked in many other companies after that, including DM9/DDB, FCB, Talent and Leo Burnett. However, after working for few years with different companies, he started his own with other advertising professional and his close friend, Erh Ray and named the new business, BoirghiErh. Even though the company had little or no financial backing, the company gained considerable prominence in the Brazil’s marketing sphere and was subsequently bought in 2006 by Mullen Lowe.

Jose has won many prestigious awards in the sphere of advertising, including around 20 awards at Cannes, seven at London Film Festival, 16 Abril Awards, 15 awards at New York Film Festival, and more.

The Success of Highland Capital under the Leadership of James Dondero

Highland Capital Management is an alternative investment firm based in Dallas, Texas, and was founded in 1993 by James Dondero and Mark Okada. This investment firm specializes in the management of hedge funds, structured investment funds, and distressed investment.

Highland Capital Management enjoys great success levels with their control of about $18 billion in assets, and they pride themselves on being leading global alternative credit managers.

Highland Capital offers a variety of investment products that include distressed and special situations private equity, collateralized loan obligations, credit hedge funds, and long-only funds and separate accounts.

This firm is also fully involved in alternative investments in emerging markets, and they serve a client base that includes public pension plans, financial institutions, foundations, endowments, corporations, governments, and high net worth individuals.

Highland Capital believes that successful investing requires curious minds and being open to learning. This firm’s philosophy is that they can capture the numerous influences affecting the investment market only by using a team approach. They also believe that the key to long-term success in difficult markets is preserving the principal value.

The inspiration journey of Highland Capital started in January 1990 when both James Dondero and Mark Okada came together to create a joint venture that laid its focus on fixed income markets and played many significant roles in the management of senior secured bank loans.

In 1993, this simple concept evolved and led to the establishment of Protective Asset Management Company. Sixty percent of this new establishment was owned by Protective Life Insurance Corporation while the 40 percent by both Dondero and Okada.

In 1997, these co-founders bought the stake owned by Protective Life, and this saw them incorporate Ranger Asset Management. One year down the line, they changed the name of this firm to Highland Capital Management.

Dallas Foundation reported that Highland Capital Management has been excelling under the able leadership of James Dondero. With a vast wealth of experience, Dondero is one of the most sought-after hedge fund managers.

He has displayed exceptional leadership attributes as evidenced by the performance of Highland Capital Management and other firms that have appointed him to serve on their boards of directors in various capacities.

Learn more about Highland Capital Management:

Securus Defends Technology Patents

For more than 30 years, Securus Tech has provided communication and information services to public safety, law enforcement and correction agencies. Connecting inmates with their families and friends in a safe, reliable manner while providing institutions access to required information is one of their essential tasks and one they have performed admirably for many years.


Currently, a competitor named GTL is challenging a Securus patent in the United States Trial and Appeals Board and misrepresenting the Securus position in well-circulated press releases. This piece seeks to straighten the record and correct some of GTL’s inaccurate statements.


For example, GTL announced that the United States Trail and Appeals Board (PTAB) had validated their patent enabling GTL to move forward with efforts to see redress against Securus. Rather, there is no opportunity for seeking damages against Securus because the court is stayed; neither did the court “validate” anything.


Additionally, GTL has represented that their 55 claims against Securus technology on video visitation monitoring have been upheld by the courts. Rather, the court has declined to review those claims. Further, Securus analysis indicates that GTL have only one, single unique claim, with many sub-claims. The figure they are floating around is a clear exaggeration of the issue used to convince an ignorant public that such a large number of violations must be supportable.


GTL has stated that these claims were identified by PTAB as “patentable”, when the board has made no such statement, rather the board simply elected not to review these claims.


Securus and many companies in similar situations, has a demonstrated history of seeking solutions to such disputes outside the court system. Securus, as a leader in the business community, prefers to negotiate mutually satisfactory solutions; this plan as worked successfully in the past and by investing millions and years in this court process GTL is wasting valuable time and corporate finances.



Anthony Petrello is a Fortunate Man

Anthony Petrello is the founder and Chief Executive Officer of Nabors Industries, a geothermal drilling and natural gas contracting company that operates across the United States, as well as the Far East and Africa. The company provides offshore drilling operations and maintains an extensive 29 marine vessel fleet. His company also provides drilling equipment and software to handle the various rigging requirements, as well as pipe handling offshore. The company was added to the Standard & Poor’s 500 index as one of the largest companies to be publicly traded in the United States. Eventually, moving off the AMEX and into the New York Stock Exchange.

Mr. Anthony Petrello profited a whopping $27,512,939, most of which was derived from stock options. He has even been placed at the top of the 50 top-paid Chief Executive Officers. His company owns around 500 oil rigs which are known to be active in 25 countries across the globe. Anthony Petrello earned his place on the board of directors in 1991 due to his extensive experience working at the Baker & McKenze law firm. He earned his career experience there, by specializing in corporate tax law.

As a young man in college, Mr. Petrello was known as a math whiz. One of his roommates at the time noted how he was always writing down mathematical proofs and theorems on napkins and was considered to be a genius at the age of 18. In fact, a famous mathematician, Professor Serge Lang took him on as his protégé. He eventually utilized his mathematical genius to switch into the field of Law.

Related: Alum Endows Prize in Memory of Lang

He soon married Cynthia Carrafa, his college girlfriend, who was a producer as well as a soap opera actress. Together, they are known for their philanthropic work. They have donated $7 million to the Texas Children’s Hospital. This, after learning that their daughter was born prematurely and developed cerebral palsy. Mr. Petrello is also known as being quite skilled with real-estate litigation. He has been quoted as saying “One life lesson I have learned is that between being smart or being lucky, lucky is better- I have been extremely fortunate in work”.

Click here to read more about Anthony Petrello.