Todd Lubar is a businessman and former real estate developer who has also worked in the construction and mortgage business. Mr. Lubar currently resides in Bethesda, Maryland, in the Washington D.C. area. He is married and resides with his wife and two kids in Bethesda.

Todd Lubar is a family man at heart and enjoys spending as much time with his wife, kids and other family members as he can. He also enjoys travel and particularly enjoys traveling to Orange County, California, where the temperature is much more mild than in Maryland. One thing Todd Lubar has learned through business and life is that he wants to wake up as a better person that he was yesterday through what he has learned and experienced. He also realizes that having a positive attitude, where you want to add value to those you come into contact with can be a tremendous asset not just in business but life in general.

Todd Lubar currently works in the commercial demolition business and scrap metal business. His commercial demolition business managed to secure several large scale contracts from some of the nation’s biggest general contractors. Mr. Lubar entered the commercial demolition business and scrap metal industry when he realized that the mortgage and home building industry was in great peril. He realized that the mortgage industry had lost its way and was no longer governed by conservative banking principles and caution. Todd’s automotive scrap metal recycling business became so successful, that it eventually become a publicly traded company.

Mr. Lubar had both his own construction and mortgage company. The construction company was called Legendary Properties, LLC and it focused on renovating and then selling both multi-family and single family homes. Todd’s company managed to renovate and sell over 200 homes for a profit. His lending company was called Legendary Financial LLC. As director of Legendary Financial LLC. Todd Lubar managed to close over 7,000 transactions.

At Legendary Financial LLC., Todd Lubar focused on underserved clients. He used his insight as a former mortgage lender and managing director at a mortgage company to assess the risk of loans given to people who were passed over by banks. Legendary Financial LLC. served both private individuals and companies with home, business and development loans.

White Shark Media is one of the rapidly growing digital agencies in North America. The rapid growth of the company is due to the provision of engineered affordable Search Marketing campaigns and provision of excellent customer experience. Provision of tailored market solutions for small sized business has enabled the company to reach and transform many small businesses. Besides, the company has been carrying out a follow up on all its clients, a factor that has makes the firm successful.


The company utilizes technologies such as keyword-level call tracking, Google Analytics integration, proprietary reporting software, and competitive intelligence. With this technology, the company can provide world-class services and be accountable to their clients monthly.


The successful market penetration is also as a result of combining of talented international and domestic workforce that has steered the company to greater heights. With over 150 employees in the three operational countries, the firm can track all it clients to guarantee their customers success in their ventures.


Dedication, experience, and creativity of the employees have enabled the company to grow rapidly in a very competitive market. In securing success, the company assigns a team of three distinguished marketing experts to a customer. By so doing, the client is guaranteed of outstanding consumer experience, fast responsiveness to emails and phone calls and frequent progress monitoring and reporting.




White Shark Media was founded in 2011 by three Danish entrepreneurs who had extensive know-how in offline and online marketing. The three entrepreneurs had a goal to surmount the growing SBM market in Latin America and the US. With the aim to deliver outstanding product and services, the firm has to date excelled in online marketing.




White Shark Media was in 2014 honored by Google for meeting Google stringent eligibility and training requirements. Due to this achievement, the firm was awarded Google AdWords, a credit that has been given to only 28 other companies. Clearly, this shows the devotion of the enterprise in service delivery. Besides, the firm was also recognized by Microsoft for its proven excellence in marketing campaigns for smallholder businesses.


White Shark Media Future


The company is devoted to ensuring the success for their clients. They have laid plans to develop innovations that are affordable and customized to guarantee the excellence of small and medium sized businesses. Besides, the firm is planning to develop transparent and flat fee marketing solutions without contracts. Additionally, the company is dedicated to making partnerships with other focused organizations to ensure better service delivery.


As a Brazilian investment banker and stock market businessperson, LinkedIn depicts how Igor Cornelsen has worked with several investors and companies in making their ventures successful. He currently serves as the CEO of Bainbridge Inv Inc. The company delivers commodities and foreign exchange investment solutions to both institutional and individual investors. Throughout his career in investment banking, Cornelsen has referenced the Brazilian investment-banking model. This is because Brazil has recorded a tremendous economic growth. Furthermore, several foreign investors have spent their money on profitable Brazilian ventures.


Cornelsen is also notable for holding executive roles in some of Brazil’s top banks. During his tenure, his management enabled most banks to make profits. He retired from the Brazilian-banking sector in 2010 and decided to focus on private investment ventures. Besides work, he enjoys spending his leisure time in South Florida, Miami.  Tons of pictures of Igor enjoying his retirement can be seen on Facebook.


Igor Cornelsen: the Investment Advisor


Cornelsen uses his WordPress blog to educate people on investment matters. In his recent posts, he acknowledges people for making wise investment choices. He also believes that investing can be quite challenging to new investors. According to him, the only way one can make the right investment decision is by adhering to the investment rules. Cornelsen advice people to avoid losing money and to manage their time well when investing. He also urges people to diversify their portfolios to minimize investment risks.


In his blog, Cornelsen also advises young investors on how early investments are critical. According to him, the best investment decisions can be made at the beginning of one’s career. He used the latest research by the Federal Reserve to back up his statement. The research states that over 50 percent of American citizens below 30 years old have not invested in their retirement.


Cornelsen’s Take on Stock Markets


Igor Cornelsen has posted several articles on his WordPress blog regarding the stock market. In his blog, he says that stocks are quite deceiving. Cornelsen also points out how knowledge is essential when it comes to investing in stocks. He views the stock market as a lucrative investment opportunity with risks involved. Cornelsen believes that if you view the stock markets positively, you are likely to be less cautious when investing and more committed to the investment.

With its headquarters in Indianapolis, Indiana, Equities First Holdings LLC was founded in 2002. Since then, the company has been offering alternative financing solutions to their clients. It supplies capital against the publicly traded shares to enable their clients to meet both personal as well as professional goals. To-date, EFH has done over 650 transactions, offering customers loans at low-interest rates.

EFH is an international company. It has offices in nine countries including London, Hong Kong, Indianapolis, Singapore, Sydney, Bangkok, and Perth.

Their loans are based on their evaluation of risks as well as the future performance of bonds, stocks, and treasuries on the market.

Equities First Holdings record a growing trend among stock-based loan borrowers

Equities First Holdings- a global leader and lender in alternative financing solutions has witnessed increased traction in stock-based and margin loans in an economic environment where lending criteria has been made tighter in banks and other institutions. Equities First Holdings is quickly gaining popularity as a possible alternative for borrowers who need quick capital or those who do not meet the qualifications for a more conventional credit-based loan.

While there are many options for these individuals, lately, many banks have tightened their loan qualifications, increased interest rates and cut their lending options.

Al Christy, Jr, the CEO and founder of EFH, thinks that loans collateralized by stocks are innovative borrowing alternatives for people seeking working capital.

Ideally, the loan-to-value ratio of stock-based loans is higher compared to that of the margin loans. Stock-based loans also have a fixed interest rate, and this provides the lender with certainty throughout the lifespan of the transaction.

Unlike conventional loans which are bound to be affected by fluctuations in the market, stock-based loans provide a buffer. This is because borrowers lower their risks of the investment in a disadvantaged market.

With more stock-based loans, there is a way out and borrowers can walk away from a loan at any time, even if the value of stocks depreciates. The borrower is allowed to keep the initial proceeds of the loan with no further responsibility to the lender.


The City of Dallas is making changes for the better in specific areas of the city. Lower Income Families are prevalent in Southern Dallas and with a depressed economy, people just cant afford to purchase a homes. Luckily, Dallas is about to reinvent itself and introduce an all new way that gives families a chance to own a home. The name of the program is “The Affordable Housing Loan Program.” This program consists of three organizations that are working together to make owning a home more affordable.Habitat For Humanity, Dallas Neighborhood Homes, and NexBank are working hand to hand to make this a reality.

The two non-profit organizations are connecting lenders with buyers, which would otherwise be unsuccessful at this point in time. Owning a home comes with it’s day to day challenges and these organizations are providing counseling and support throughout the term. The goal is to provide over 100 loans each year for the next five years. Since these loans are for low income individuals, funding is the main barrier and that’s where NexBank enters the equation. NetBank is a successful regional bank in the Greater Dallas Area. This institution is willing to provide up to $50 Million in loan support. The proceeds will go to people with limited access to mortgages and the non-profit organizations will handle the disbursements. It’s a win, win situation on both sides especially from NexBank.

Now families in certain Dallas zip codes will be proud, new homeowners. On top of that, Nexbank will be offering an additional $2,000 for closing costs. This great program is improving the quality of life and the entire blueprint should be used a s a model throughout the country.

After living eight years in New York City, Jennifer Walden made the leap move back to her hometown of Austin Texas to be close to her family. She left with herself and came back with her and her two sons. Jennifer Walden is a hard working successful doctor that loves to help others feel better about themselves. She found herself working really hard for the eye, and ear surgeon. The big city life did not compare to her country home and surroundings that she had growing up. She longed to move back home where everything was fresh and familiar to her. After moving back in 2011, Jennifer opened a satellite office and began working towards making her life fulfilling and successful.


She began wondering about being a doctor at a young age. She tells how she remembers wanting to be a surgeon in the eighth grade. This could be because she lived with a father that was a Dentist and a mother that was a surgical nurse. It may be because she longed to help others be all they could be. This is why she chose to follow her dream to become a plastic surgeon. A plastic surgeon can give mommy makeovers. She can fulfill the dreams of mothers everywhere. She can help teens when they have issues with their body. She loves working with the noninvasive procedures but also does the cosmetic and plastic surgery that people expect. Jennifer is very good at what she does. She helps people realize their dreams and possibilities.


Jennifer Walden is responsible for helping men and women understand the importance of vaginal rejuvenation. She explains about women and their urinary difficulties. She helps women understand that the rejuvenation may help decrease vaginal leaks and vaginal dryness. Women have changes in their bodies after they have a baby. These changes will affect the sexual practices and sex lives of the woman and their partners if not explained. Jennifer appears on television and in magazines explaining the importance of these issues. Her family and friends are very proud of her accomplishments. Texas is happy to have such a super doctor back.

Helane Morrison joined the U.S. Securities and Exchange Commission (SEC) in 1996. Serving in the San Francisco District Office where she was promoted to district chief of the enforcement program. Helane is the first woman to hold this position. Prior to being appointed to head the office, she worked on the enforcement side where she and others worked to strengthen the presence and impact of the SEC. As head of the department, Helen intends to keep the momentum going.


The San Francisco office’s jurisdiction covers all or part of six western states and Alaska and is part of the Pacific Region headquartered in Los Angeles. In her new position as the department head, Helane will oversee both the enforcement and examination programs. While working in the enforcement division she supervised several investigations with three resulting in actions being taken.


Prior to joining the SEC, Morrison defended clients that were being sued by the SEC. She represented securities clients involved in class-action suits brought by the SEC. She also represented stockbrokers and their firms in lawsuits brought by their customers.


The staff in the San Francisco Office has doubled in the last five years, going from thirty to sixty people now working in the enforcement and examination programs. Helane noted the SEC is paying particular attention to the many online brokerage services located in the San Francisco Region and is providing information to help inform potential investors on its website


Helane Morrison  has a B.S. degree in journalism from Northwestern University in Chicago, Illinois and earned her J.D. from the University of California at Berkeley School of Law. While attending Berkeley she was editor-in-chief of the California Law Review. For the next few years, Helane worked as a law clerk, first for the Hon. Richard Posen of the US Court of Appeals and later with Supreme Court Justice Harry Blackmun. In 1986 Helene joined a prestigious law firm and became a partner in 1991. Her focus was on business litigation and the defense of private securities dealing with matters involving the SEC.


Currently, Helane Morrison is with Hall Capital Partners of San Francisco, one of the most successful investment companies in the state and is run totally by women. She serves as General Counsel and Chief Compliance Officer and Managing Director of Hall Capital Partners. Realizing that investors still had little confidence in financial professionals after the 2007- 2008 market crash, even though nine years had passed, Helane believes her position at Hall Capital will make it possible to help restore the public’s confidence in the financial markets.




There has never been a moment when Jay-Z doubted the rise of Tidal. Unfortunately, there were many other people that did doubt what Tidal could do. He had to be street smart in order to connect the dots to the making money and growing his customers base. He could not afford to let other businesses that did music streaming blur his vision. That is why he made the decision to bring in Dez Perez. She has been a strong influence, and she has helped him run the company in a way that he may have never guessed he could run it.


Perez has become the creative force that has allowed Tidal to keep going when people thought that Jay-Z could not put this off. Perez has a keen business sense. She knows about business deals, and she really has been able to keep a lot of people interested in what Tidal is doing next. That is the thing that makes people pay attention to this business. They are scared not to be plugged into what is happening with this streaming music service because they think that they are going to miss something. Customers are concerned that a new Beyonce or Kanye West single may surface and they might miss out. This is the type of spontaneous environment that Desiree Perez created has helped.


This has been a hard road because there are no many people that have already signed up for streaming service like Pandora or Spotify. The Pandora site has been around for a long time. There are also some people that are still interested in radio apps. These are people that may be interested in hearing different radio personalities in different cities. There are a lot of ways for people to hear music so Tidal was really fighting an uphill battle from the start.


Dez Perez would be the connection to a world where deals were negotiated with great payouts upfront. She was able to help Jay-Z see that it made sense to get artists that were connected with Tidal on big tours. This would inspire fans to take interest in what these performers were doing. They would be drawn to the new music. There was also a need to provide exclusive content. That is why there are deluxe albums featured on the Tidal site with tracks that are not available for streaming elsewhere.

Seattle Genetics has increased its public stock offering to the public from $480 million to $552 million. The company has been able to raise its offering by exercising its over-allotment power.
Seattle Genetics’ CEO, Clay Siegall, said that the company decided to increase its allotment because many investors had interests in the company. Mr. Clay Siegall stated that the invested funds would not only be used to develop their drug pipeline but shall also be used to expand the company’s production of the cancer drug, Adcetrics.
The company shall also invest some of the funds to develop other infrastructures, expand its customer base, and increase its employees’ productivity through training. Mr. Clay also stated that the company is projected to be hiring up to 100 new employees annually.
He said that the firm’s workforce is expected to comprise of over 1300 people by 2020 if his projections are right. Responding to the company’s projected growth, its management seeks to lease bigger offices and may vacate their current location at Canyon Park building.
Clay Siegall founded Seattle Genetics over 18 years ago but the firm is yet to break even. Mr. Clay said that the firm’s inability to attain profitability was not an immediate concern to them because their current plan is to expand operations and not to achieve profitability.
The CEO also revealed that the company could be profitable if its leadership was to divert its focus from expansion. However, Mr. Clay maintained, the company’s leadership was focused on implementing growth and expansion plans that made it hard for the firm to break even.
Clay Siegall is the founder of Seattle Genetics and has been serving the company as its CEO since its inception. He holds a P.H.D in genetics from George Washington University. He also holds a bachelor’s degree in science (zoology) from Maryland University.

Before founding Seattle Genetics, Clay Siegall worked with Bristol-Myers Squibb Pharmaceutical Research Institute. He was named the entrepreneur of the year by Northwest Ernst and Young in 2012. He was also honored as the alumnus of the year for University of Maryland in 2013.


We will probably never know exactly what Kyle Bass was thinking, but it does seem as though he fell into a snare that he thought was going to be a gold mine. The oil industry took a downturn over the last year that led to the big drop in prices, the result that benefited consumers but left some investors and hedge fund firms facing losses. Kyle Bass was one of those hedge fund managers who had made investments in oil, predicting that the energy sector was going to have a big bounce back in prices, just as the housing market took a tumble in 2008. He had taken words from oil magnate T. Boone Pickens who had said that “oil supply will not overtake the domestic storage capacity.” Pickens denies that what he said was meant as actual investment advice.


The blame for that debacle can mostly be put on Bass himself, whose hedge fund firm Hayman Capital was a success in its early years. Kyle Bass had been in the financial industry with Prudential Securities, Bear Stearns and Legg Mason, at all of which he had become proficient at strategically placing client investments. When he founded Hayman Capital, he believed that a housing crisis was imminent due to the studies he had conducted on subprime mortgages, and the spending habits of Americans. And sure enough he was right, making investments in credit default swaps and earning fame as a man with foresight. But in the years since, his shrewd decision-making hasn’t been so wise.


Kyle Bass made several egregious decisions recently, one of which was choosing his friends wrong. One friend in particular he got wrong was Cristina Fernández de Kirchner, known as a despotic president in Argentina, and her bad economic choices have driven the country into debt. Americans holding Argentina’s debt wanted full payment of amounts due to them, and Bass criticized them as “holding a poor country hostage.” Bass also defended GM when their leaders were put on trial for failing to address safety features responsible for killing passengers in several accidents. He did so because of a large amount of investments he had with the company. Finally, Bass got in trouble with the US Patent Trial and Appeals Board for abusing the patent review system when his organization, the CFAD kept challenging patents, and then short selling pharmaceutical stocks.