Crosses For Losses

Reinventing community banking: John Holt’s contribution


Serving as a panelist in the 5th Annual Strategic Opportunities for the Banker’s Association in Texas, NexBank’s CEO and the president gave more insight on the bank’s contribution. The United States has its major economic contribution from the community banks. On the part of his specific bank, the CEO asserted that NexBank, just like any other community banks, operates on three major principles. The first and main one is the commercial banking, the second principle is mortgage banking and lastly, institutional services.

The principles of operations

On commercial banking, NexBank focuses on certain specific operations. These include commercial lending where loans are taken for huge investments, giving loans to different financial institutions, lending money for real estate operations and the management of treasury.

Several financial institutions give out loans to different organizations. NexBank creates a long term working relationships through their mortgage loans, and they work through government agencies in offering their services. For a single family, the current mortgage loan limit is $417000.

The bank works with other institutions to help them grow. They offer loans and other tailored service like the tailored depository service. Some institutions require financial help to boost their productivity. The bank ensures that these companies get the sufficient treasury funds, and they agree regarding the operation.

NexBank is very flexible in operation. Several institutions and businesses have growth potential, but the lack of financial boost derails their plans. The president of the institution confirms that depending on the nature of their agreements, there are different partnership options which can be sought. The public can equally create interest deposit accounts that would give their investments chances to grow. The contribution of the bank to the community, both in guiding the operations of other institutions, and giving financial aid is salient in creating strategic opportunities.

José AuriemoNeto and JHSF Brazilian Projects for Growth

Jose AuriemoNeto is a leading real estate genius that is responsible for one of the largest shopping malls in Brazil. Shopping mall really doesn’t even explain it. There are so many aspects to the developments that it could really be called a city rather than a shopping mall. Perhaps Shopping experience is a better way to reference the project. Those locations have some of the best brand name stores and eateries in the world. It is truly an accomplishment to be proud of.

Neto began in Sao Paolo at the state university and began to immediately create projects that were intended to improve the area economically. Named CidadeJardin, the locations in Sao Paolo was the first. Then later in Menaus, the Ponta Negra was built. In Salvador, the Bela Vista was built for residents to enjoy. All of them are an amazing creation containing shopping, restaurants and even a hotel for people traveling to the area. It has helped the economy of each location where Neto built them. It is a truly great accomplishment.

Neto went to school at Fundação Armando ÁlvaresPenteado and the University of Sao Paolo. His first job was with JHSF, back in 1993. That was where the plans all hatched. It has been an amazing journey of progress and accomplishment. Under JHSF, there have been accolades too. Several awards have been won for the projects that speak to the financial benefits for the local economy. The future of the project is bright for the people of Brazil and any location that Neto and JHSF work to improve economically.

It is truly an inspiration for those that follow in Neto’s steps. Any real estate project can be made better by working towards making any shopping mall project one of distinction. While it can take time, this took years to accomplish, the jobs, entertainment, and culture that it can bring the area can be truly life-changing. It can bring tourists into an area and expand the growth of any location. Remember, if Neto was able to do it, then anyone can.

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Nick Vertucci’s Resilience Through Adversity

Nick Vertucci lived an average family life as a kid. They were not extremely poor but he also did not experience any form of luxury in his early childhood. Things were even worse when Nick Vertucci was ten years old. That was around the time when he lost his father. Nick’s mother worked long days to compensate for being a single parent. By 18 years old, Nick hit his lowest point when he started living outside in his van. According to , even with these humble beginnings, Nick Vertucci doesn’t believe in letting his past dictate his future. With his mind set, he made a new path for himself, like a twist of fate.

Determined, Nick started his own PC parts business, causing his living conditions to change shortly after. He cherished the flexibility of working for himself, and finally had the time to build a life for himself as well. At this point, he had three wonderful girls with his loving wife. But paradise often has its storms. His computer equipment business plummeted due to an unforeseen crashing of his site in year 2000 at His dream was broken in front of his eyes, taking his funds with them.Instead of let the crash of 2000 crush him, it opened his eyes. Nick realized that previous to his failed business, he had a state of mind that was ill prepared for gathering his resources to put towards future ventures. What Vertucci learned from his mistakes was to invest.

Because of that valuable lief lesson, Nick Vertucci was motivated and prepared for whatever came his way. He accumulated every drop of information that he could possibly learn about real estate for more than ten years. When it came to reap what he’s been sewing from his decade of relentless research, Nick became successful. This is because it never mattered what happened to him in his past, Nick never gave up on his future. He finally was able to create a simple and plain business plan which helped him to earn a successful living off of realty.

When Nick was finally able to make millions, he made a promise to himself that he would teach others his simple plan on In turn, when they also were able to earn huge sums of money by listening to his successful real estate advice, they can do the same for others. This pay it forward system has caused so many successful people, that it is now known as Nick Vertucci’s Real Estate Academy. The only qualification required is your own desire to succeed. Once you bring that desire to the table, Nick Vertucci will remain true to his promise.

Jose AuriemoNeto uses his Company JHFS to Increase Brazil’s Real Estate Market

Property development is a key component to a nation’s economy. Property development is essential to a country because it used to market products and services, house citizens and to provide people with jobs. Let’s face it, without property – society could not function.

Jose AuriemoNeto the CEO and chairman of JHFS understands this truth all too well. AuremoNeto is the leader of a very prominent real estate company within Brazil. The name of this company is JHFS and it ensures that the Brazilian real estate market is moving in a positive direction.

AuriemoNeto’s company services high end clients. These clients typically pay hundreds of millions for the properties that JHFS has to offer. AuriemoNeto knows that this type of development is crucial to increasing the land value that sits inside of Brazil. In other words, without high end buyers of properties within then nation; the Brazilian real market would have a hard time developing.

Nation’s cannot just rely on middle or low-income properties to move the market ahead. Many third world countries have real estate markets where high-end clients are rare. As a result, they do not develop that fast and much of that nation’s land is lowered in value.

AuriemoNeto knows that when there is a sizable market for high end buyers; then the property value within a nation is going to excel dramatically. High end buyers are able to produce more money into the economy. They generally develop properties that generate markets that appeal to all classes of people.

For example, malls are considered high end developments that appeal to the masses. People from all income levels like malls. However, malls are best suited for middle and high-income consumers. These two groups are targeted by malls but low-income people are drawn to the malls as well.

Also, upper income property buyers can utilize properties for highly technological commercial applications such as airports, transportation centers or hospital and medical facilities. AuriemoNeto works hard to make JHFS an important real estate developer in Brazil. Simply put, this high end company has the ability to improve the overall value of the nation to learn more: click here.

Being A Traveling Vineyard Wine Guide Is No Different Than Your Typical Evenings With Friends And Wine

Having your own business holding wine tastings promoting the Traveling Vineyard’s wines is the ideal way to earn extra money. People who enjoy wine already gather to discuss the wines that they have brought to a gathering, therefore, the wine tastings will feel just like these evenings with friends.

As a Wine Guide, you will be the expert, teaching your new friends which foods pair well with the wines and showing them the correct way to judge a wine’s quality. The tastings are relaxed events, focusing on the wine and new friends, not hard selling. At the end of the evening, you will take orders from individuals who would like to order some of the Traveling Vineyard’s exclusive wines. That’s it; the Traveling Vineyard takes care of shipping the wine to your customers.

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Once you join the Traveling Vineyard Wine Guide program, you will learn everything that you need to know to hold your own wine tastings. Even though you will work as your own boss, you will have an experienced Wine Guide near you who can answer your questions and help you plan your first wine tasting. Once you gain experience and begin to feel confident holding wine tastings events, you will start building your own team, mentoring new Wine Guides and earning additional money for your effort.

Initially you will purchase your Success Kit, which contains training materials and everything that you will need to hold two wine tastings. You will learn how to operate your own business as a full time career or as a part time opportunity to earn extra cash. In addition, you will receive the Traveling Vineyard’s Sommology Kit, which shows you how to pair wine with food to make each wine tasting a special event for the guests. Follow the Traveling Vineyard on Twitter.

You will earn a commission on each bottle of wine bought at your tastings, however, you will also have a website for repeat orders and to encourage individuals to become a part of your team.

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Richard Mishaan Shows Daring Is Good

Richard Mishaan is the designer who dares. And his ability to be daring has panned out for him in spades. Mishaan is now one of the most sought-after designers in New York with a client list that reads like the White Pages.


Mishaan is stylistically expansive. He was born in Cartegena, Columbia and raised both there and in Milan. Mishaan says the colors he was surrounded by made a huge impact on how he designs. The combination of his cultural roots and bachelors degree in architecture helps him put together some of the most aesthetic concepts seen in design.


Not only does Mishaan own a successful design firm in New York, he has authored two books — Artfully Modern and Modern Luxury. Both books show how to create a stylish abode whether you are a multimillionaire or on a shoestring budget. Mishaan includes several pictures of his own house and New York, as well as designs he has created for clients.


Mishaan says he loves to mix eras for a certain effect. “I have some items in my home from the 16th century and mix them with 1930s and it all ties together perfectly.”

Rihard Mishaan also owns a spacious Cartegena home that he’s designed from top to bottom.


Mishaan’s design studio has a full line of furniture, accessories, lighting and art. He gives a lot of great tips for individuals who have very small spaces to decorate. “I want people to learn how to make their homes come alive without having a lot of money or space.”

Human, Civil, and Migrant Rights: Who is standing up for you?

Groups dedicated to protecting and preserving human, civil and migrant rights are resolved to help people all over the world. These groups were created to support minorities and other groups of people unable to defend themselves. They fight for justice and equality for all people. Migrant rights pertain to people who are vulnerable in their current country of residence and also those who have immigrated to the United States.

Migrant right groups work to help them achieve fair wage, safe working conditions, and equal treatment. There are laws in place to prevent these rights from being denied, but unfortunately they are violated every year and often not withheld. Activist groups are trying to change that and make sure everyone is fairly tried. Learn more about Jim Larkin and Michael Lacey: and

The American Civil Liberties Union is a prominent advocate group that works tirelessly to protect individual rights and liberties as defined in the United States Constitution. They try to provide legal assistance whenever someone’s civil rights are being violated. The American Civil Liberties Union also protects women’s rights by supporting birth control and abortion.

These rights are currently being denied to many women with no regard for their rights as humans. There are millions involved in the this group and they are all working to protect individuals and minorities against civil injustice. Read more: Phoenix New Time

One of the most notable organizations in support of civil, human, and migrant rights is the Larkin & Lacey Frontera Fund. They support other advocate groups that work to defend and improve the lives of others. They are very involved in promoting freedom of speech and migrant rights along the Mexican border in Arizona.

Jim and Michael are trying to end killings on the border, racial profiling, and prevent the denial of due process rights. They have already helped thousands of people held in immigrant detention centers and are constantly striving to help more.

Michael and Jim started the organization following their careers as journalists fighting for the right of the freedom of speech. They were ultimately arrested but they sued the judge for unlawful arrest and used their earnings to fund migrant rights in Arizona. They have dedicated their lives to protecting the rights of everyone around them.

These two activists are trying to bring these injustices to light since they are so often swept under the rug. Their ultimate goal is to support other human, civil, and migrant right groups, as well as help the people whose voices cannot be heard.


The Great Victories of Michael Lacey and Jim Larkin

Michael Lacey and Jim Larkin have impressed many people due to their success in fighting for justice of journalists and other people in the society. It is through the mistreatment they experienced that they managed to launch their successful Frontera Fund. The two acquired $3.5 million from the case they had filed against Joe Arpaio, who had accused them falsely and mistreated them for publishing information about the injustices that were taking place in the county.

Through Frontera Fund, Michael and Larkin have managed to help a considerable number of immigrants so that they can rebuild their lives in their new country. The two understand the problems that people undergo when it comes to being discriminated and viewed as minors. Through their life experiences, Jim and Michael have strived to encourage people not to worry about such issues but rather report them to such organizations like the Frontera Fund, through which they can receive justice. They have gained a lot of fame and received a high accreditation in the United States due to their noticeable contributions in advocating for the rights of journalists and every individual in general.

Even after their release from the Maricopa County prison, Michael and Jim have continued to preach peace and equality of everyone through their publications in FrontPage Confidential. Besides, they have also become a reliable source of education and information to a vast number of individuals both in the United States as well as the globe. Through their Frontera Fund, they have brought happiness to people in the country and brought a sense of belonging to them. Equality has always been their main agenda and through their advocations, migrants coming to the United States from Mexico, Central America and other parts of the world do not have worries anymore as they are already protected.


Jason Hope, Philanthropist and So much More

Jason Hope is a big name in the tech trend world. He has proven himself to be an expert entrepreneur and writer and he has a following that recognizes that he knows where technology is headed. They also follow him with a strict belief that unlike other “experts” out there, he knows what he is talking about. A quick look into his thoughts on the Internet of Things will show exactly that.

The Internet of Things is a connected technology that allows multiple devices to connect with each other. These devices include cars, kitchen appliances, street lights and more Jason Hope believes that the Internet of Things will change the world as we know it, from our home lives to the way that business operate. Hope also believes that The Internet of Things is perhaps the biggest investment that many of the world’s biggest companies are likely to invest in.

As Jason Hope explains it, The Internet of Things will not only be huge for daily convenience, but it has the potential to save energy and maybe even save lives. It looks as though in the future, we will see emergency services being ran more efficiently using this new technology. We can also look forward to better public transportation, less pollution, and much much more. The benefits we will see with this technology are potentially endless.

Jason Hope has many hoping he is once again, correct in his assumption about the success of this specific technological advance. With the benefits that many will see in their every day life, we will continue to look toward this expert for more tips and trends in the tech field. Jason Hope is a philanthropist and entrepreneur for us all to look toward for the future of this ever changing field of technology and all of its advancements.

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A Brief Biography of Adam Milstein

Adam Milstein is the son of two emigrant-parents. His father, Hillel MIlshtein, immigrated from Argentina when he was 19; and his mother, Eva Milshtein, immigrated from Mexico when she was 18. His father immigrated the same year the State of Israel was founded and served as a combat sailor in Israel’s independence war and more information click here.

Adam Milstein was born shortly after his parents married in 1950. He was born in Haifa but spent his childhood in Kiryat Motzkin. As required, when Adam turned 18, he began his mandatory duty in the Israeli Defense Forces (IDF). He served in the Ariel Sharon’s Army Division during the Yom Kippur War.

After leaving the IDF, he applied to the Technion, Israeli Institute of Technology. While at the Technion, he met and married Gila Elgrably. He also began working with his father in expanding the family real estate construction and development business. In 1974, Adam graduated from the Technion with a Bachelor’s of Science degree.

In 1981, Adam moved his entire family to the United States. He began pursuing higher education at the University of Southern California. In 1983, he earned a Master’s of Business Administration degree. He also began working in commercial real estate, continuing the family business and learn more about Adam.

After successfully establishing a high-ranking place in commercial real estate, Milstein began dedicated his time to helping the Jewish community. The first foundation he created was the Adam and Gila Milstein Family Foundation. The foundation provides a range of services to organizations devoted to strengthening the Jewish community, the State of Israel, and U.S. – Israel relations.

View his profile on Linkedin.

Mr. Milstein also sits on the Board of Directors and serves as Chairman of many other pro-Israel organizations. He’s one of the most powerful voices in the Jewish community. He’s met with Presidents, Senators, and many other high-ranking officials to speak on behalf of Pro-Israel advocacy and his Website.

Adam uses his many organizations to further extend his own philanthropic arm. He created and supports many services, including, consulting, partnership development, fundraising, and supporting Jewish educational programs that focus on preserving Jewish heritage and Adam’s lacrosse camp.

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Sujit Choudhry’s Journey As A Comparative Constitutional Law Expert

A democracy needs a constitution that establishes the rules of how the government and citizens interact as well as what freedom’s citizens have by law. Another thing that is needed in any democracy is people who are experts in constitutions in order to help establish it and interpret it as well. Sujit Choudhry is one such expert, known internationally as a specialist in comparative constitutional law.

In order to help nations around the world build constitutions as well as inform policy makers, Sujit Choudhry founded the Center for Constitutional Transitions. He has built an international network of experts that provide evidence-based policy options to those who seek to create or modify a nation’s constitution. In addition to earning a number of law degrees, Choudhry has served as a professor of constitutional law for several years. He has also served as an advisor to political leaders and committees in emerging democracies around the world like in Libya, the Ukraine, and Egypt. Follow Sujit on

According to, Sujit Choudhry is an immigrant to the United States. He was born in Inda and his family emigrated to Canada when he was a young child. This background has informed his approach to public policy as he has many perspectives in his background about what is a right that needs to be constitutionally protected. He recognizes the need to keep an open mind to different perspectives as well as developing an emphatic approach to the constitutional policies that affect every citizen of the nation.  Check this interesting interview with Sujit on

Choudry has earned law degrees in Canada, the United States, and the United Kingdom. He earned Bachelor of Law degrees from the University of Oxford and the University of Toronto. He attended Harvard Law School for his Master of Law degree which he earned in 1998.

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After serving as a law clerk in the Supreme Court of Canada, Sujit Choudry entered his career in academics. Sujit Choudry has taught comparative constitutional law in Canada and the US. His professor position since 2014 has been the I. Michael Heyman Professor of Law chair at the University of California, Berkeley – School of Law.  For Sujit’s timeline activities, click on

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