Improving Growth Prospects through Offering New Senior Unsecured Notes

Even after reaching new levels of earnings, loans, deposits and assets in the previous financial year NexBank is still pushing to achieve more in this financial year. Last year’s 48 percent growth is undoubtedly not enough to make the company settle and has thus released new senior unsecured notes offerings.

NexBank Increases Senior Unsecured Notes Offering to $75 Million

About NexBank

NexBank Capital Inc. provides financial services such as mortgage banking, Institutional Services and Commercial Banking. The company providesits clients with personalized banking and financial services. Their clientele includes financial institutions, corporations, and institutional clients.

The New Senior Unsecured Notes Offering

NexBank has increased the offering of senior unsecured notes to about $ 75 million. This accounts for about a $ 25 million increments from the offering that it had previously announced on March 18, 2016. This increase in the offering portrays the strong demand that NexBank enjoys from the existing and new investors.

NexBank aims to use the proceeds of this offering to grow the capital for its banking subsidiaries and other general corporate purposes. The offered notes are non-callable for the next five years and will be mature on March 16, 2026.


Besides, the notes will also attract interest at the fixed rate of 5.5 percent for five years. After that, the notes will attract interest at a floating rate of a spread above the three months LIBOR of about 435.5 basis points. The Kroll Bond Agency has assigned the notes an investment grade rating of BBB, with a robust outlook. This rating helps to demonstrate the support that the financial community has extended to NexBank continued growth and strength.

With NexBank continued focus on its customer base and the development of businesses, NexBank is set to capture opportunities regarding strengthening and expanding its product offerings. The company’s prudent management of the risk and expenses of their customers significantly consolidates its position as a leading regional bank and also helps it to maintain its well-capitalized portfolio.

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Free Calls for Flooding Victims

Any time that disaster or tragedy strikes, it is natural for people to want to lean on their friends, families, and loved ones. What so many people do not realize is that for those families that have been affected by having a family member detained in prison or a detention center, the cost of being able to talk to that person may be too high for them to afford. In light of the recent flooding that has had a huge impact on the south, one of the leading providers of communications for prisons has decided to offer their phone call services for free in areas that have been affected by flooding.


Securus Technologies is one of the largest providers of phone calls, communications, and various other supplies among all prisons, juvenile detention facilities, and immigration detention centers in all of the United States of America. They provide millions of phone calls for prisoners and their families every year. They are also accredited by the Better Business Bureau Administration. Currently, the company is being overseen by the Chief Executive Officer, Rick Smith who was recently interviewed for an article by PRN Newswire’s website.


In the article, Rick discussed the company’s philosophy about the sheer importance of communications for each and every one of the facilities for which they are a part. Rick went on to say that the value of the free phone calls that Securus will be providing to prisoners is likely to be in excess of $300,000. But what he understands is that aside from the financial or fiscal value of those phone calls, there is a much greater emotional and psychological value for all of the families that are being affected by both the flooding and the separation of their loved ones that are currently incarcerated in a facility.



The Plus Points of Medicare Advantage Plans

Medicare provides healthcare services to residents of the U.S., and a good percentage use Medicare Advantage plans instead of the traditional Medicare Original. A Medicare Advantage Plan is a type of private health plan that offers Medicare benefits. Most people use the Medicare private health plans because of the advantages they offer, so to speak. Before you can start considering a Medicare Advantage Plan, understand the difference from the original plan.

Type of Care

For one, a Medicare Advantage Plan should provide all the services that come with Medicare Original. The traditional program includes two sections; that is Part A covering the inpatient care and Part B for the outpatient care. With the original Medicare health plan, a beneficiary always has coverage for urgently-needed care and emergency. One difference in the type of care provided under each program comes in part D, which allows for prescription drug coverage. You cannot pay for drugs under Medicare Original.

The extra services available in a private health plan will depend on the provider. Most offer routine vision care which is not available with Medicare original. Dental and hearing are the other extras that come with advantage plans. However, always ensure to double check with a provider to know about all the services covered by a private health plan.

Read more: Rick Shinto – Innovacare Services Company LLC


With a Medicare Advantage plan, you have to pay for the Part A (if you have it) premium and the Part B and D, which come with the plan. A private health plan has a monthly premium, and this varies between companies. Always find out about the out-of-pocket limits when buying Medicare Advantage Plan.

InnovaCare Health

InnovaCare is a health care provider that offers Medicare Advantage Plans and physician services. The provider prides itself as a leader in providing services that are not only sustainable but incorporated with modern technologies. InnovaCare has teams of leading physicians and medical professionals who strive to provide quality healthcare services while upholding the highest standards of integrity.

The leadership of InnovaCare is helmed by Dr. Rick Shinto who is the CEO-President, the same position he held at Aveta from 2008-2012. Dr. Shinto has worked in clinical and operational healthcare for two decades. He is flanked by Penelope Kokkinides the CAO who is an expert in the field in her own right after working for 20 years. With the help of other leaders, the two work to improve the services and products InnovaCare Health puts on the market.

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Thor Halvorssen Wants To Save People In Trouble

Thor Halvorssen is someone who wants to save people in the world who are oppressed, and he wants to be sure that people have an outlet to save themselves. He started the Human Rights Foundation to be sure that people can get help with oppression, and he wants to go in and help people who cannot cry out for help. There are some things that happen that people have never heard of, and that is because the news is not rife with these stories.

Thor Halvorssen uses his position at the Human Rights Foundation to make sure that he can talk to the world about things that matter to him. He knows that every person who has been hurt around the world needs to be given a chance to change their life, and he also needs to help them see that they are heard. They might see news of their plight in other news outlets, and he is going to make sure that he keeps saying it until people listen.

There is a major education issue in the west where Thor Halvorssen knows that people are not aware of what is going on. These news stories are helpful because they make it easy for people to make themselves heard even if they are stuck in places where people will never hear them.

He runs the Human Rights Foundation out of New York trying to reach as many people as he can, and it means something to see people becoming more of themselves.  It is helpful that Thor Halvorssen has chosen this after his life in government work.

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Duda Melzer Brings New Technology And Ideas To The Media Industry

Eduardo Sirotsky Melzer, known to most as Duda Melzer, recently rose to the very top of the Brazilian media industry when he took control of the RBS Group to become the third Sirotsky generation to head the company. In his speech to employees and investors upon accepting the role from his uncle Nelson Sirotsky, Duda made sure he mentioned the weight of history that sits firmly on his shoulders as he takes over the company established by his grandfather; despite this nod to the past of the RBS Group, Duda Melzer is a business leader with his feet planted firmly in the opportunities offered by new technologies.

The career history of Duda Melzer shows just how much attention the Harvard graduate has placed on new technologies in the media industry. Melzer and the leaders of the Sirotsky family agreed an education and first hand experience of working in foreign markets would benefit the young Duda, and led to his decision to complete his graduate studies and start his career in the U.S. as an executive at Box Top Media. Melzer also worked in the investment industry for a number of high profile companies before taking up a leadership role with the Sirotsky family’s own eBricks venture.

Duda Melzer has been working on a plan for the RBS Group for a number of years to make sure the Brazilian media giant has the best chance for success in the future; the attention currently placed on print media is an evolving part of the RBS Group for Duda Melzer as he sees the problems facing this industry. Attending a number of conferences and seminars operated by some of the most important technology companies on the planet is another way Duda Melzer is looking to change the face of the media industry in Brazil.

Innovative Healthcare Services Available at InnovaCare Health

Medicare Advantage plans
Medicare Advantage plan is a health policy offered by private companies. The private companies are licensed and compensated by the government to provide healthcare plans to people. Medicare Advantage plan intends to enhance the services that were provided by Original Medicare by offering cost effective programs with more medical benefits such as dental and eye care.

Medicare Advantage plans provide all services that were available under the original Medicare cover. However, the plans may not provide services that are deemed to be not medically necessary.

The major differences between Medicare Advantage plans from the original Medicare are;
– Insurance policies are provided by private companies.
– They cover all services in the original Medicare plus other extra services that are medically beneficial.
– They have a fixed yearly out-of-pocket spending.
– The policies have different rules depending on an insurance company.

Common Medicare Advantage Schemes
The most common schemes provided under Medicare Advantage plans include;
Health Maintenance Organizations
Preferred Provider Organizations
Private Fee-for- Service
Special needs plans
Provider Sponsored Organizations
Medicare Medical Savings Accounts.

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Choosing a plan that suits you may be challenging. This is because different companies provide the services using different rules. Moreover, different Medicare Advantage plans differ in their description of services covered.

To be sure that you get a Medicare Advantage plan that suits you, it is recommended that you seek advice from reliable Medicare Advantage service providers. To be legible for Medicare Advantage plans, you are required to be enrolled in Medicare Part A, and Part B premiums and to be living in the place where your program is offered.

When you want to make a decision to enroll in Medicare Advantage plan, visit a reputable service provider that will advise you on each Medicare Advantage plan. InnovaCare will also advise you on how each scheme may be beneficial to you based on your current state of health.

Medicare Advantage Plans
InnovaCare Health is among the leading service providers of Medicare Advantage plans in North America. Their excellent service is due to real leadership from its well-experienced executives, Richard Shinto, the CEO, and Kokkinides Penelope, the Chief Administrative Officer. InnovaCare helps its clients to enjoy services under various Medicare Advantage plans and its customer-centered services.

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Similarly, Penelope Kokkinides has been an executive officer in leading healthcare providers for over 20 years. Based on their visionary leadership, InnovaCare has become a leading provider of standard Medicare Advantage plans across North America.

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Nizan Guanaes Makes Moves To Save Last Advertising Firm In Brazil

In a recent business move, the worlds second largest communications conglomerate Omnicom began taking steps to acquire one of the last Brazilian advertising companies left standing. ABC group and Omnicon sealed a deal that parties involved feel could possibly save the struggling advertisement firm. With the help of Omnicon, ABC plans to become one of the largest and most successful advertising companies worldwide. Omnicon has several partnerships with top companies, and has shares listed on the New York Stock Exchange.

ABC was founded in 2002 when Nizan Guanaes and his partner Joao Augusto (Guga) Valente decided that Brazil needed its own successful advertising group. The group currently services more than 10 companies, providing assistance in both advertising and public relations. ABC Group also owns several companies worldwide, and is responsible for overseeing the advertising and marketing strategies for companies such as Procter & Gamble and Ambev.

Nizan Guanaes is a well known and very successful Brazilian advertising executive. He was born in Salvador, Bahia in 1958. After graduating from Universidade Federal da Bahia with his Business Administration degree he began working as a copywriter in Salvador. After gaining experience in the professional world as a successful advertiser and skilled copywriter, he was able to establish his name and reputation, He quickly became a commodity in the world of advertisement and in 1968, he was presented with the Gold Lion Award at Canes Festival, for his one of a kind television advertisement titled “Hitler”. The Folha de S.Paulo newspaper named Guanaes advertisement as one of the top 100 of all time.

Aside from his achievements and expertise as an advertiser, Guanaes launched internet portal IG in 2000 and quickly grew it to one of the largest free internet platforms in his hometown of Salvador, and all over brazil.

What You Can Do To Manage Your Online Reptuation

Today online reputations are crucial for the health and well being of a company. Get a good reputation on the web and business could boom for you. Have a bad reputation and you may see customers disappear and never come back. While there are many parts to managing your online reputation, there is a lot you can do yourself. We provide some tips and online management that you can handle yourself without the need of a professional.

Getting positive content listed at the top of search engine results is something you can actually do yourself. You can start by setting up social media accounts on platforms like Facebook, Twitter, LinkedIn, YouTube, Google+ and Pinterest to name just a few. Not only should you create accounts on these platforms but you should be active on them. Active social media accounts will rank high at search engine results. This will drown out negative content and expose positive content to potential clients.

Another thing you can do yourself is some basic search engine optimization. Think about keywords of phrases people will search on the web about your company, product or service. Incorporate those keywords or phrases into your headlines and titles. This will make it that much more likely that search engines will find and show your webpage or web content in their search engine results.

Finally, the best tip is to be as proactive as you can. Don’t wait for an attack or negative review to happen. Create a buffer around your brand or reputation with positive content. Address any customer concerns as soon as possible and always ask customers to leave positive feedback if they like your product.

In cases where you are suffering a reputation crisis or have a massive amount of work to do, it may be best to leave it to the pros. You can find a team of talented reputation management specialists at to help clean up negative news. They will work with you to eliminate negative reviews, ripoff reports and bad press. One of the great things about a company such as is that they offer a free quote on how much it will cost and how much time it will take to clean up your negative search results. If you feel overwhelmed or that you can’t handle the task of managing your online reputation yourself than hiring a pro may be your best bet.

Medicare Advantage Plans Coverage

Medicare Advantage in the U.S is a program that offers health insurance. It serves as a substitute for the original Medicare. The general plans under the program include private for free services, Health maintenance organization, and preferred provider organizations. The program covers all services of the original Medicare apart from hospice care. If you are a member of Medicare advantage, you can still receive hospice care under the original Medicare plan. In all the Medicare Advantage plans, one is covered for urgently needed care and emergency needs.

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Services that are covered
In case you are unsure if a service is covered, it is advisable to check with your service provider before receiving the service. Some plans might provide extra coverage, such as dental, hearing, vision, and health wellness packages. Under most plans, one receives the Medicare prescription drugs coverage (section D).

Read more: SieMMMpre Saludable

If one requires a particular service and he or she is told that it is not medically important, then one may have to pay for the service. However, later the individual has the right to file an appeal. One can ask the provider to write an advance coverage decision so that they know the services that are considered medically necessary. In case the plan states that they cannot cover for a service that you require, then one should cater for the service charges whenever they need it. It is possible to find out the details of a cover by doing a personalized search or searching the plan by name like InnovaCare Health.

InnovaCare Health- Offering Medicare Advantage Plans and Physician Services. InnovaCare is dedicated to providing managed healthcare services in North America. They are committed to offering quality healthcare through the creation of models that are cost-effective and sustainable.

At Innovacare, they rely on these principles:

* Quality medical care should be the main aim for everything they do

* The patient comes first

* Good patient-provider relations lead to improved quality of life

* Health management is at its best when stakeholders are responsible for quality and transparency

* Teams have the most impact when they have a clear vision and communicate effectively

* For an organization to grow, it requires dedicated leadership, cooperate integrity and results-driven goals

InnovaCare has propelled to greater heights due to its able leadership. The CEO, Rick Shinto, has over 20 years’ experience in managed care. Penelope Kokkinides is the Chief Administrative Officer and has been in office since June 2015. Penelope Kokkinides has a bachelor’s degree in classical languages and Biological Sciences from the University of Binghamton. She also holds a master’s degree in social work and a post-masters’ degree in alcohol and drug substance abuse. Kokkinides and Shinto are dedicated towards quality service to patients. View her infographic resume at

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Top Flight Plastic Surgeon Dr. Jennifer Walden Comes Right Back Home

The world of medicine is one that is utterly demanding. Meeting the standards that all doctors must meet takes patience, determination and the desire to be able to showcase one’s personal talents to people who truly need them. This is very much the case for Dr. Jennifer Walden. Walden is someone who has fashioned her entire life about being one of the nation’s best at what it is that she does and does extremely well. She aims to help provide all of her many patients with access to the some of the finest possible care in the entire state of Texas and even the entire United States. Her patients know they can rely on her for help when they need it.

Ideal Training

As readers of Austin MD Magazine learn, Dr. Walden is one of the nation’s finest plastic surgeons. She was named as such in a recent magazine. This is not an easy distinction to earn, especially for someone who has chosen to enter a field of medicine that often attracts men rather than women. Only about ten percent of her own fellow plastic surgeons happen to be women, making her a unique pioneer in her own way and someone who has hoped to blaze a trail for all those who wish consider following in her medical footsteps in this amazing and highly rewarding field.

Loving What She Does

Above all, Dr. Walden is all about being able to love what she does in life. This city is one that she knows quite well, having been brought up her by a father who is a dentist and by a mother who works as a surgical nurse. They have shown her that she can bring her own sense of passion and her desire for excellence right into the hands of her patients to help them look better and feel more confident at all they do.


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