172 Posts

Todd Lubar, while he was growing up, attended the Sidwell Friends School in Washington, DC. He attended high school at the Peddie School in idyllic Hightstown, New Jersey. He graduated from Syracuse University in 1995 with a B.A. degree in Speech Communications.


Todd’s first position was held at Crestar Mortgage Company. He worked at Crestar Mortgage from 1995 to 1999. He then joined Legacy Financial Group, home-based in Arlington, Texas, in 1999. He was able to successfully increase revenues at the company’s Maryland Office in the ballpark of several hundred million dollars, annually, in total loan volume. He stayed with the Legacy Financial Group until 2005. He, next, was a Senior V.P. at Charter Funding, with its corporate headquarters in Arizona in 2005. He worked at Charter until 2007.


When the mortgage industry was in an upheaval Todd focused his energies on purchase money mortgage origination activities at Priority Financial Services. He too became involved in the Demolition industry; the night club industry and the recycling industry. Todd, too, established a financial business addressing the niche needs of borrowers who were passed over for traditional loans. He ranked, several years running, as one of the top twenty-five mortgage originators, in the nation.


Todd possesses a vast amount of knowledge about business operations and what makes a business successful. He attributes his financial experience and his knowledge of the real estate industry to his success quotient. His current positon is that of President of TDL Ventures. When not working within the business–financial arena, Todd enjoys spending time with his children and travelling to sunny locales.


There are several reasons why I choose to bet on college football. One of the main reasons is because I am very good at this type of betting. In my life, I have played every level of football except at the professional level. I understand what makes every level of the staff and team tick. I understand when teams are overrated or when players will be overwhelmed by the grandiosity of certain games. I have methods for gauging even when teams will take their opponents too lightly. I love to also translate this knowledge into cold hard cash. I call this part of my game the choke factor. My theories on this subject utilize certain triggers and markers to determine which team or player will choke and why. How much their choking impacts the outcome of the game also plays apart of my choke system.

I will share an additional method. I call this theory the silver spoon syndrome. A vast amount of players get to participate on teams because they have some type of advantage in being recruited. The advantage I am most concerned with is players that earn scholarships based on familial advantages versus their level of talent. This type of politics is rampant in college football, and the lack of talent in these types of players impacts games greatly, especially the most important games like rivalries and championships. However, there is another very important aspect that is often missed by novice gamers. Knowing the most appropriate place to place bets is also very important. I utilize the website Covers.com for my betting on my NCAAF odds because all the prognosticating in the world is of no consequence if bets are placed with clandestine sports booking operations.

Covers.com pays promptly, and my payments are kept in secret due to their unparalleled payment practices. I have a definite methodology to how I place bets. Covers.com offers multiple opportunities to gain insight through the stats that they provide. I trust them even though I have learned to trust my own instincts in this type of endeavor. I also like that they cover a wide range of teams. This allows me to spread the NCAAF odds out across a range of games. I seem to do better when this is the case because my strategies apply to a wide range of teams. I am not bragging, but I rarely lose, so I will keep everything the same including the company with whom I place bets.

Buying rental property in Panama is not a passive investment. The biggest challenge is buying the right property, so follow eight simple steps.

1. Always purchase below market values
Lowest price purchase on wordpress.com generates profit. Income from tenants must be greater than expenditure, like mortgage payments, repairs, etc. If property values drop, you can continue charging tenants enough to cover mortgage cost.

2. Pick the right neighborhood
Panama City has a broad market with rental properties on beaches, islands and mountains, the highest demand in rental properties, but the most expensive real estate nationwide on adrianjosevelasquezfigueroa.webs.com. High-end condos target foreign tourists, immigrants, executives and entrepreneurs seeking short term accommodation, especially in Punta Patilla, Punta Pacifica, Casco Viejo, Avenida Balboa and El Cangrejo.

Long-term rentals still exists, but tenants are limited to neighborhoods in the mid-range like The Crab, Bella Vista, El Dorado, and parts of San Francisco.

3. Know rental laws
To become familiar with relevant regulations, read the article “Rental Laws in Panama.”

4. Make sure all services are available
Parking is a predicament sometimes. Without a private space, make sure street parking is available. Newest condominiums in Panama City also offer pools, gyms, private parking, social areas, and 24 hours a day security.

5. Inspect quality of construction
Even in newer condominiums, developers may skimp on production. Talk to other owners of that building, talk to the developer’s past clients, and communicate with brokers familiar with the work of that company.

Check for simplicity, easy access to plumbing, air conditioning units and electrical systems. Hire a professional for landscaping and potential maintenance problems.

6. Managing rental property
Absentee homeowners face problems that could have been mitigated or prevented had they lived closer or frequently communicated with tenants but property management companies in Panama provide full services.

7. Big is not always better
More important than the square footage of an apartment is the number of rooms, restrooms, kitchen appliances, whether you’ll rent it furnished or not, and what kind of services are provided.

8. Value of public services can increase
Costs, like with energy, can fluctuate. Register services in tenants’ names.If costs increase, or tenants fail to pay, you are not responsible.

About Adrian Jose Velasquez Figueroa

Since winter of 2011, Adrian Jose Velasquez Figueroa, a professional executive from Venezuela, has held (and currently holds) three different positions which include, treasurer, director and president of five companies in Panama. Mr. Figueroa is a power house in the business community in Panama, propelling businesses growth, motivating and inspiring young leaders and uplifting general economic conditions.

Mr. Adrian Jose Velasquez Figueroa authored several articles, of paramount significance to national and internal investors, about doing business in Panama.

Learn more about Adrian Jose Velasquez Figueroa:

EOS Lip Balm has looked for ways to help make their brand as popular as possible with kids. They have found some unique corporate partners, and they continue that trend with the partnership at Keds. This is one of many shoe lines they may have with the brand, and the matching lip balms make the shoes even more fun. This Fast Company article explains how a kid may use EOS Lip Balm that matches their Keds shoes for the ultimate in style.

#1: What Is The Keds Style?

Keds is a youth brand that wants to reach kids in elementary and middle school. They know that every kid who wants to wear Keds will be interested in EOS Lip Balm, and they created a line of shoes to match EOS Lip Balm balls. EOS can be found on shelves at leading supermarkets such as Target, Walmart, Walgreens and Racked. This is a special line of products that makes it quite easy for anyone to purchase a shoe and lip balm together. Kids who were interested in a certain color may now own the shoes that match their lip balm.

#2: Why Are The Keds Shoes Important?

The Keds shoes partnership gave EOS Lip Balm another way into the youth market. They partnered with a company that is known throughout the world for its shoes, and the company knows they must be prepared to give kids something they are interested in. Kids are interested in the Keds brand, and they like the bright lip balms of EOS. Bringing them together only makes sense.

Each new ball of EOS Lip Balm helps kids take care of their lips. Each kid may choose their own color, and the lip balm will keep their lips soft for most of the day. The ball packaging is a revolution, and anyone who enjoys a nice tube of lip balm should try EOS for themselves.


Doctor Brian Bonar is a financial expert and investor who excels at his chosen endeavours with confidence and has a prescience for selecting projects that produce greatness. Doctor Bonar received his undergraduate degree from the University of Strathclyde and his MBA and doctorate degree from Staffordshire University.

A Scottish entrepreneur, Doctor Bonar works for multiple companies not limited to being the Chairman, President, CFO, CEO, and Secretary for Trucept, Inc. and as Chairman and CEO for Dalrada Financial Corp. He also owns Bellamy, a fine cuisine restaurant in Escondido, California. Brian Bonar has had over 30 years of experience in finance and brings a dynamic enthusiasm to all of his endeavours.

Building an Empire

Escondido, California had been sorely lacking a progressive restaurant that offered a fine dining experience. Brian Bonar saw this need and filled his restaurant Bellamy with top talent from various restaurants, in addition to heading his gustatory masterpiece with French Master Chef Patrick Ponsaty.

Brian has a knack for selecting well-seasoned professionals in the fine dining world, a great location for his restaurant, and providing a bistro menu to fawn over. Not just limiting himself to Bellamy, Bonar is also constructing a 4-star event space at a nearby ranch at Brady Canyon, where he plans to place another signature restaurant.

A Man of Acclaim

Brian Bonar was awarded the honor of being named Cambridge Who’s Who Executive of the Year in Finance. Many look up to Bonar for his consistent successes within the world of finance. According to Bloomberg, Brian Bonar is a leader, with decades of experience in promoting business efficiency, financial management, and business management. Bonar is not only a major entrepreneur and Finance master but also a member of the board of the Boys & Girls Club of Greater San Diego, in California. He also is a member of the American Finance Association.

Dick DeVos is the eldest son of Richard DeVos, the co-owner of Amway Corporation. The Amway Corporation distributes its household, personal care products, and health products through network sales.

DeVos started his career in Amway Corporation where he held different positions in the company’s operating department. In 1984, DeVos was named Amway’s Vice President in 18 countries to gain more experience. Nonetheless, he left the company in 1984 to start The Windquest Group, a company specializing in the manufacturing and marketing of closet organizers and storage. Learn more about Dick DeVos: http://www.mlive.com/business/west-michigan/index.ssf/2016/04/devos_company_gets_new_ceo.html

In 1991, Dick DeVos was appointed by his father to manage his family’s basketball club, Orlando Magic Basketball franchise. While leading Orlando Magic Football, DeVos remained the Managing Director of Windquest Group.

Two years later, Mr. DeVos succeeded his father as Amway’s President. Leveraging his extensive experience in managing Amway’s subsidiaries in 18 countries, Dick DeVos initiated the restructuring of the company’s operations and structure. He established Alticor Corporation as an umbrella firm for Access Business, Amway Corporation, and Quixtar Corporation. Under Alticor Corporation, Amway extended its functions to over 50 countries and six continents. In 2002, Dick DeVos left Alticor to concentrate his efforts on his private firm, the Windquest Group, and politics.

In 2006, Dick DeVos ran for Governor in Michigan State on the Republican ticket. Unfortunately, he lost to the Democrats by a slight margin. At the time when he was entering politics, DeVos was considered as the wealthiest man to contest for Michigan’s governorship. In the quest for the governorship, DeVos spent over $40 million to fund his campaign.  However, his wealth proved of no help as he lost to Jennifer Granholm. Read more: Richard DeVos – Family , Family Tree | Celebrity Family

Dick DeVos’ Family

Dick DeVos is married to Elizabeth Prince, the daughter of the founder of Prince Corporation in Michigan, Edgar Prince. Elizabeth’s brother, Erik Prince, served as the president of North Carolina-based private security firm, Blackwater Corporation. Additionally, Erik Prince supported the U.S military to accomplish its mission in Iraq. DeVos and Elizabeth have four children namely Ryan, Rick, Andrea, and Elissa.


Dick DeVos holds a degree in BA from the University of Northwood. Throughout his career, DeVos has earned several accolades including honorary doctorates from Northwood University. Most recently, he received distinguished alumni recognition from the University of Northwood.

Philanthropic efforts

Dick DeVos supports several humanitarian initiatives through his Grand-Rapids humanitarian organization. Dick and Betsy DeVos Foundation offers financial aid to religious, civic, educational, and artistic organizations since 1990. Its grantees include Mars Hill Bible Church, ArtPrize Grand Rapids, Calvin College, and West Michigan Aviation Academy.

Wikipedia really did change the way people engage in research in the internet. Get Your Wiki, a successful Wikipedia writing, editing, and monitoring service, has done its part to make sure content on the online encyclopedia is well-crafted. Wikipedia, itself, has taken steps to make sure the online community meets all standards of excellence.

One step Wikipedia is taking focuses on improving content related to the subject of indigenous peoples. The venerable Smithsonian Magazine recently published an article that delves into the story behind Wikipedia’s decision to increase text related to Native Americans and other indigenous persons.

The article points out there were omissions of famous indigenous peoples in the virtual pages of Wikipedia. Such an oversight is not purposeful. Wikipedia relies solely on volunteers to contribute content. Anyone can contribute new entries or update a Wikipedia page as long as the rules of the site are met. If no one is writing on a particular topic, then the topic won’t appear. A lack of submissions of indigenous peoples has become glaring so Wikipedia is doing something about it.

Wikipedia has supported an edit-a-thon that coincided with Indigenous Peoples’ Day. This particular edit-a-thon follows in the footsteps of other ones that focused on feminist subjects. With such a direct appeal to experts who know these subjects, an increase in diverse content is sure to follow.

Wikipedia content is famous for its ability to provide reference material for people conducting research. The content can be employed for strategic means as well. A decent presence on Wikipedia can be weaved into all manner of marketing and public relations campaigns. Simply linking to a detailed Wikipedia page from a commercial website gives visitors a confidence boost towards the subject of the content.

The aforementioned Get Your Wiki service could absolutely help those wondering what is needed to create the best Wikipedia page. What is needed is the right help. Get Your Wiki can produce and even translate Wikipedia content on behalf of a customer.

And customers do want to feel confident that the material composed and published on the Wikipedia page will yield the desired result. On the most basic level, the content has to enhance the reputation of the subject. Professional-level writing helps with this outcome.

Wikipedia remains a fantastic source of assistance to those who read its pages. The subjects presented on the pages have much to gain as well.

When you want to be sure that you are able to obtain a degree in technology, Wessex Institute of Technology provides an excellent starting point. This is a school that provides higher-level degrees and is located in southern England. Some of the areas of specialty include transfer mechanisms, research and other facets of technology.

This is a prestigious institution that has created Nobel Prize winners and other medal winners over several years. They also participate in some renowned conferences which are integral in technological advancements over the years. Some of the conferences they dissipate in deal with things like big data, risk analysis, heritage and future, waste management, environmental technology and complex systems.

This institution publishes a number of technological journals and peer-reviewed papers on a regular basis. They have also been on the cusp of design and research for a number of different advancements over the course of several years. Check out the Wessex Institute of Technology Wikipedia for more information.

When trying to find the right hair products, it is always important to ensure you know what your hair really needs. These products are made from different ingredients and you need to come up with a product that is not a threat to your hair. WEN by Chaz is the most reliable line of products which you can use for your hair whether it is damaged or healthy. These products are made of the best ingredients and natural materials to ensure they meet all your hair care needs. You will be able to take care of your hair when using these products since they strengthen, nourish and improve the overall health of your hair.

Wen by Chaz Dean (http://chazdean.com/) products work for men and women who have different types of hair. You can purchase these products on Amazon. Wen improves the health of your hair and provide it with all essential ingredients to make it strong. In case your hair id dyed, these products will ensure it remains strong and is not harmed by the harsh chemicals present in the dye. This will ensure your hair does not break and is not prone to any kind of danger. Wen by Chaz products makes it easier for you to maintain, style and brush your hair without even using heat devices. Keep in mind that heat devices that are used to style your hair such as curling irons makes your hair weak. You can therefore decide to use Wen by Chaz which is a safer method of styling your hair.


Cleaning your hair is very important especially if you spend most of your time outdoors. Your hair collects a lot of dust and other substances which can be washed off using shampoo or conditioner. You can use these products to clean your hair frequently especially conditioners since they treat and nourish your hair. Shampoos get into your scalp leaving your head feeling fresh and clean.

Check out the WEN Facebook page and Twitter account  to learn more about the products.

A new technology has emerged, and I say it is about time. Video visitation for inmates across this country is long overdue. Video visitation works a lot like a video chat. People all across this country will log into their computers today in order to connect with friends over a video chat service. However, equating prison video visitation with commercial video chat services is shortsighted. Video chat, an innovation brought to the criminal justice system by Securus Technologies, is so much more.


Securus Technologies video visitation is an innovation that helps law enforcement. The video visitation service schedules visitation for employees at the prison. A user logs into their Securus account, requests a video visitation time, and that request is sent to prison guards. The prison then confirms, denies, or revises the video visitation request. This scheduling software allows an employee at the prison to focus on more pressing matters.


More and more families are choosing video visitation over physical visitation. Video visitation costs only about $2.72 per video chat. Video visitation is also instant, saving families the time it would take to drive all the way across the state to a prison. This technology also saves families on travel costs. It is no surprise to learn that Securus is connecting 160,000 people per month.


Nearly 2 million people were connected with video visitation last year. This number continues to rise. As more people choose video visitation or physical visitation, less people are showing up to prisons. Prisons are already overcrowded. This technology alleviates some of the foot traffic that might otherwise be problematic. It also takes some of the burden off of security forces within the prison. With less people coming through the door, there is less of a demand for security screenings. This technology is incredibly helpful for law enforcement.