Monthly Archive: October 2016

The Role of Investment Banks in the Economy

Investment banking is a part of banking that deals with creating capital for the government, companies and other entities. An investment banker is a person whose primary objective is to raise capital for a client like the government or companies. An investment bank is an intermediary that deals with a variety of services like underwriting, facilitating mergers, acting as intermediaries between the public and securities issuer, and acting as a financial adviser. Essentially, investment banks are bridges between an investor and large enterprises. There are investment experts like Martin Lustgarten who play an important role in investment banking.

The role of investment banks

Role as advisors

Companies or governments are usually tasked with the decision of deciding how to raise capital. Mostly, they rely on investment banks for advice, whether it is a large investment bank or a smaller banker. Investment banks advise their clients by analyzing the current investing climate so that they recommend the best method to raise funds. They could advise a company or government to sell an ownership stake or borrow from the public by issuing a bond. If a company wants to offer stock, a financial analyst looks at different factors like the strength of the management team or earnings potential to determine the share worth of the company. If a company is offering bonds, the investment bank recommends the money it will pay borrowers by analyzing prevailing interest rates of similarly rated ventures. These banks also advise their clients on mergers and acquisitions. They advise clients on the best way to structure the deal such that it will favor the buyer or advise on the worth of the company.

Underwriting stocks and bonds

Investment banks must underwrite the securities when a company decides to raise funds through debt offering or equity. In that situation, the entity purchases a given number of shares or bonds at a given price and re-sells the bonds or shares through an exchange. Mostly, the role of underwriting securities is tasked to more than one bank. They also deal with necessary documentation in stock offerings.

About Martin Lustgarten

Martin is an investment expert, and he is one of the smartest brains in investment banking. Martin is a citizen of Venezuela and Austria. The investment expert believes in international investments, and that is why his wealth is in different countries. He predicts markets then quickly acts when necessary.

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Positive School Atmosphere’s Are Becoming Dominant With Class Dojo

Not too long ago, a new company joined in the market for educational learning platforms. This company is Class Dojo, which has focused their efforts on a platform that vastly improves on the level of communication that is available to the school community. With their app, teachers, students, and parents are able to stay connected in a way that they have never been able to before. Interaction and contact has always been limited between parents and their children in school, which is actually negative for a students learning. With parents being able to stay connected to their kids in school, communicating and providing encouragement, students have more confidence and show more effort in their school activities. This also extends to teachers, as they now have a way of directly communicating with parents quickly and easily.


Classroom teachers are able to monitor their students on Class Dojo to see their progress and give them feedback when needed. They can participate on the Class board at any time, uploading pictures and videos as well as stories and notes for students to see. This lets students keep track of special moments and save them throughout their schooling.


The majority of teachers have expressed how well the program is doing and how much they enjoy using it with their students, as it works at engaging the classroom. This was one of the primary reasons that the founders of Class Dojo came up with their idea in the first place. Sam Chaudhary and Liam Don went around to different schools in the country talking to teachers and asking about the conditions they see in the schools, and many of them expressed the negative aspects. This is when they were inspired to create something that could help bridge the gap and create a level of communication between the teachers and students as well as parents.


Because of this, there are many that believe Class Dojo will be able to change the way education is view as a whole in the future. Class Dojo has seen a great deal of success and they have no intention of stopping now. Instead, they plan to continue expanding and adding features to their existing platform to spread it even further. They are already doing very well, with the program being used in nearly 2/3 of all US schools.

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Tips for the Best Hair Condition

Many women want to implement a hair care regimen from their own homes, but they do not have the correct information to do this. Conditioning your hair is one of the biggest hit or misses with hair care. It is important to make sure you are following the correct procedure in order to ensure the best conditioning for your hair. Listed below are some of the most common mistakes made with hair conditioning.

Choosing the Wrong Conditioner

It is important that you choose a conditioner based on YOUR hair type. Texture, amount of dryness, length, and previous damage should all be taken into account when choosing hair products.

Applying the Conditioner Unevenly

Depending on your hair type, you may need to apply the conditioner with a comb instead of your fingers. It is important to make sure the conditioner is placed throughout the whole head and not just the ends.

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Not Rinsing it All Out

It is very important that you rinse all of the conditioner out of your hair because leftover conditioner can end up clogging hair follicles. This can create extra debris and build up inside of the scalp. When this happens the shine of your hair may be dulled as well.

WEN by Chaz

Wen by Chaz is a hair product company that specializes in creating all natural hair product. These products offer the best protection for your hair leaving it longer and healthier. The Cleansing Conditioner is used to hydrate and cleanse your hair with every use. The creators at WEN have given women all over the world the hair that they have dreamed of their whole lives. Check out the WEN infomercials on QVC and YouTube to learn more.

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Dick DeVos is A Giver in His Professional And Personal Life

Philanthropy Roundtable recently had an interview with Betsy DeVos. The interview concerned education and the educational system. The interview covered several topics involving education. The interview questions were varied and approached several hot topic issues regarding education. During the interview, Betsy DeVos provided answers to the questions presented along with suggestions for making improvements in certain areas of the educational system


The interview was interesting and informative. Betsy DeVos demonstrated her level of expertise on the subject matter regarding education. She was able to offer answered that focused on the children, which she feels is the most important aspect of the educational system. Betsy DeVos pointed to specific areas of the educational system where children are impacted the most. She explained very well how the impact on children concerning education can affect the children for their entire lives.


Betsy DeVos has strong thoughts on the subject of education. Her passion is for helping children who are not able to help or defend themselves against the aspects of the educational system that need to be addressed.


Dick DeVos is the husband of Betsy DeVos. While many people know Dick DeVos through his work as an executive at Amway, the Orlando Magic, and The Windquest Group, Dick DeVos is also known for things outside his professional executive roles. He has lead an interesting and successful life.


Dick DeVos has served many years as an advocate of worthwhile causes through his own charitable organizations, charitable organizations of others, and just simply giving to people in need. Mr. DeVos has a long list of charitable contributions and things that he has assisted with to help others.


This list includes providing money for people to attend college, helping to establish a unique high school for children, helping to build a medical school, helping to build a heart hospital, and many other contributions that required of his time and money.


 Dick DeVos  gives of himself everyday as an executive. He provides leadership to an entire organization. However, he also gives in his personal life. He gives to his family, friends, community, charities, and people in need. Dick DeVos is a giver at heart. He understands that giving has many rewards for the giver. The way that Dick DeVos is perceived is often determined based on his professional accomplishments, which are many. However, the perception of Dick DeVos should also include his personal life where he has accomplished a great deal.

Focus on 8 Important Rules for Young Entrepreneurs based in Panama

Adrián José Velasquez Figueroa, is an entrepreneur who has managed to achieve quite a huge success by the age of 25 in Panama. He feels obliged to share the simple 8 rules he followed to young entrepreneurs based in Panama who could be looking for tips to start and run successful ventures. Jose grew up in Venezuela and never visited panama back then until he attained adulthood. He became a firm believer in becoming his own boss after he left school.

Adrián José Velasquez Figueroa claims that he is proud to be related to a generation that is full of confident, tech-savvy and risk-taking diplomats, travelers and entrepreneurs who live and also work in Panama. Jose and the other successful individuals are hardworking and have been able to set up their successful ventures which rely mostly on new tech-gadgets and hi speed internet. The group is creative, loves the high life as it drinks imported beer. Jose and his peers are the pioneer entrepreneurs to discover the amazing business opportunities that Panama has to offer on The slowing down of Venezuelan economy has seen a number of Venezuelan entrepreneurs especially the young ones flock to Panama to break ground with their novel and inventive business ideas. Panama has an environment that is great for learning and pays crafty risk takers handsomely. Below are some of the great 8 rules that every young entrepreneur ought to consider.

Entrepreneurs on ought to find a certain market niche and exploit it fully as that is what sets them apart from normal business persons. They should be mobile and flexible with the best businesses being online-based since Panama has a high-speed internet allowing an entrepreneur to run their businesses from anywhere. It is vital to network and find a business partner who is complimentary. Academic success does not determine success in Panama. It is also important for entrepreneurs to look into great ways of minimizing costs, avoiding shortcuts, plan for failure and be ready to learn from the industry itself. Getting advice from the industry is as important as paid education.

About Jose Velasquez Figueroa
Adrián José Velasquez Figueroa is a professional executive who originated from Venezuela. He is the current holder of three dissimilar positions; director, president and treasurer in five companies based in Panama. The longest period of time such an appointment has lasted is four years and 8 months. He was first appointed in the winter of the year 2011. He is a prominent member of Panama’s business community who assists businesses to grow, improves economic conditions and mentors young leaders.

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Adam Milstein Finds Success

Experience is what it takes to succeed in today’s competitive world, and Adam Milstein has the skills to make it to the top. He has a long list of accomplishments that have made him a driving force both as a philanthropist and businessman. Mr. Milstein defines what America is and what it stands for by setting an example for others to follow.

An Israeli-American

Adam Milstein considers himself to be an Israeli-American. He was born in Israel and graduated in 1978 from the prestigious Technion-Israel Institute of Technology. He came to the United States in 1981 and attended the University of Southern California where he earned his MBA. After graduation, Adam Milstein entered the world of commercial real estate where he immediately found success. He is part of the Hager Pacific Properties team where he is a Managing Partner.

Apart from the Crowd

Business is important to Adam Milstein but his philanthropic endeavors are what really set him apart from the crowd. The Adam and Gila Milstein Family Foundation was co-founded by Adam Milstein. This opportunity allows him to give back to the Jewish people and help strengthen their communities. The target areas are based around Pro-Israel advocacy, Jewish continuity, and Jewish education. He knows that each stage of life is important and that everyone from children to adults can benefit from educational programming.

United Efforts

Adam Milstein’s organization has the goal to unite Jewish Americans and give them a voice to help strengthen the Israeli and American bond. There are three central pillars that include the next generation, friendship, and government relationships. The foundation endorses several pro-Israel organizations including The American Israel Education Foundation, StandWithUs, Israeli-American Council, Hillel, Israel on Campus Coalition, Nahal Haredi, Project Interchange, and Christian United for Israel. Adam believes strongly in the term Americans of Israel and Israeli-Americans. He knows how important it is to maintain their culture and identity while being proud to live in America. Adam Milstein is a well-known successful real estate entrepreneur who has dedicated much of his life to making the world a better place through his philanthropic endeavors.

One of the Best Ski Resorts on Earth

There are certain characteristics of ski resorts that everyone looks for when going on vacation. First of all, the snow should be soft but firm to provide for outstanding traction and safe skiing. Next, the resort should be easily accessible by car. Furthermore, the ski lifts should be quick to minimize lines and maximize time on the slopes. As CEO of Squaw Valley Ski Holdings, Andy Wirth has worked tirelessly to ensure that his resorts are the finest around. For decades, millions of customers from all over the world have flocked to his mountains.

Andy Wirth got his start in the ski resort industry in 1986. At Steamboat Springs, he served as the director of marketing. Under his watch, Steamboat Springs became a world-renowned resort that serves as an example to the rest of the world. Andy Wirth gained valuable experience learning from the best minds in the business. In 2007, Andy Wirth took a job as Executive Vice President of Intrawest. This company acquired Steamboat Springs in 2007. He served with Intrawest until 2010. He then took over as CEO of Squaw Valley.

Over the years, Wirth developed a reputation for his dedication to community service. He runs a Tahoe Fund called Founders Circle. This charity supports many community service and environmental organizations. Of note, he sits on the Tahoe Fund Board of Directors. This is a non-profit organization that works to preserve and improve the natural environment around the Lake Tahoe ski resort. He also serves on the National Ski Area Board of Directors where he ensures the best interests of the environment are maintained. He received the Chairman’s Outstanding Service Award from the Reno-Tahoe Airport Authority Board of Trustees. He has also been recognized as the Business Leader of the Year and Citizen of the Year by multiple local organizations. Disabled Sports USA awarded him the Community Five Award for his philanthropic efforts.

Of note, Andy Wirth’s right arm was torn off in October 2013 during a skydiving accident in California. The arm was subsequently reattached surgically. Wirth has shared his story extensive and serves as an inspiration to others.

Diversant and John Goullet Are A Match Made In IT Heaven

Sometimes in life, things just happen to work out in perfect harmony. It is rare, but when it happens, it is truly magical and one-of-kind. That is the marriage between John Goullet and Diversant. They are a company that looks for people, IT professionals, in particular, and they want to guide them down the right path. That is very much the way that John Goullet operates in his role as Principal Executive. It is something that means a great deal to him and it is not something he takes lightly. After all, he remembers all of the people that have helped him out, showed him the way, and gave him gentle pushes to better himself.

Everyone has to start somewhere and everyone needs someone in their corner. A lot of people have confidence, but there are also a lot of people that do not confidence. Those are the people that John Goullet, formerly of Info Technologies, wants to take under his wing. He wants the IT professionals to be set up with the right Fortune 500 companies. If anyone knows what Fortune 500 companies are looking for, it is John Goullet, as that was his role at Info Technologies. He had to find solutions for those Fortune 500 companies. They counted on him to deliver, and if he didn’t deliver, they would not want to work with him or his company again. That’s a lot of pressure.

Fortune 500 companies are picky and they have to be picky because in order to have achieved the level of success they have obtained, they have to run things a certain way and build things a certain way. There is a strict code of business and they want only the best of the best. They count on Diversant and they count on John Goullet to groom them to be ready for that position so there is not a long learning curve. They need to be ready and willing to be thrown out there and know what they are doing. With John Goullet and Diversant, they will be more than ready and they will pass with flying colors.

Highland Capital Management Partners with Dallas Foundation

The partnership between HCM and Dallas Foundation Inc. was built because the latter is deeply established within the North Texas community. Besides that, Dallas Foundation, which is led by Mary Jalonick, has a demonstrated ability to serve in the nonprofit sector. Furthermore, Dallas foundation seemed a good fit to manage the over $3 million philanthropic budget of HCM. The partnership aims at developing a framework for charitable initiatives.

This partnership has seen Dondero expand his engagements to many civic organizations including the Perot Museum, Bush presidential library, and the Dallas Zoo, within Dallas. While collaborating with Janolick’s foundation, Mr. Dondero identified and hired the CEO of Woodall Rodgers Park Foundation, Linda Owen. This was spearheaded by her experience and good relationship with the Texas community. Mr. Dondero’s decisions to hire Linda Owen were aimed at connecting his vision with other nonprofits players and as a result, improve the general quality of life.

About James Dondero

Mr. Dondero, who is the founding president of Highland Capital Management, is a resident of Dallas Texas. He began his career way back in 1984 after graduating from the University of Virginia, where he majored in financing and accounts. Immediately after school, he attended the Morgan Guaranty training program and this marked the beginning of his career as an analyst. Dondero served at American Express as the corporate bond analyst for four years since 1985. Afterward, he ascended to the position of the portfolio manager in the same organization.

Subsequently, he also served as the chief investment officer in charge of protective life’s GIC subsidiary. His role enabled him to build the business from concept to over $2b in AUM over a period of four years. The year 1993 was a jubilant time because Dondero founded Highland capital management. This firm is at the helm of providing credit-oriented solutions to institutions globally. Since 1993, the company has spread its wings globally, thus garnering recognition in diverse platforms. Popularly known as ‘Jim,’ Mr. Dondero is also a philanthropist and supports initiatives in education, public policy, and veteran affairs.

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Lay That (Lip Balm) On Me!

Take just a moment, right now, to give a thought about good old lips…chances are, you have already pursed your own lips a little, as part of your thinking-routine. Purse them a little more, and you may be signaling annoyance. When thwarted, you may stick out your lower lip out in a pout. We part our lips wide to laugh, and we pucker them up to kiss…or blow raspberries. We lick ’em when we’re nervous, and sometimes, our lips open in a vast, surprised gape of delight–or fright. Our lips certainly have their work cut out for them!
Not so long ago, lipstick was the only lip-product in the arsenal of a woman’s makeup kit. Over the years, lip balms have become the first line of defense against flaking, cracking lips. Today’s lip balms may contain coconut, argan and avocado oils; mango seed and cocoa butters; marine extracts, beeswax, sugar-scrubs, even old-fashioned petroleum jelly. Lip balms are everywhere, and almost every woman’s bag contains at least one.

In a world of dry winds, harsh sun, chlorinated pools and salty seawater, Evolution of Smooth lip balms soothe and protect your hardworking lips. Evolution of Smooth’s lip balms are very affordable and widely available via eBay. As a company dedicated to smooth and healthy lips and skin, all EOS products are made with wonderfully nourishing ingredients. Shea butter, jojoba oil, and Vitamin E pack a real protection-punch for your lips, and the luscious scents and tints make them look just as good as they smell and feel.

Another feature of EOS lip balm is that it comes in appealing little round, colorful containers. As popular as the balm itself, the easy-to-hold, twist-top spheres can be seen in women’s hands just about anywhere..including those of Kim Kardashian, Jennifer Lopez, and Gwen Stefani…all women whose lives and lips are always on display. And you heard it straight from our lips!

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