Todd Douglas Lubar is the vice president of Legendary Investments and the president of TDL Global Ventures, LLC. He has an over 20 years’ experience in the industry.

Todd Lubar started his career in 1995 at Crestar Mortgage Corporation where he worked as a loan originator. The model enabled him to interact and build strong social ties with insurance agents, CPA’s, financial planners and real estate agents.

In 1999, Todd took up an equity position at Legacy Financial Group. The position enabled him to broker loans to both direct mortgage banks and external investors. By 2002, Todd Lubar decided to set up his residential property development company, Legendary Properties, LLC. The properties ranged from single family units to more multi-family units. Legendary Properties was able to make over &20 million in credit lines.

Lubar then set up Charter Funding which is a subsidiary of First Magnus Financial Corporation a top privately owned US mortgage firm. While in this partnership, he identified a client base that was still not catered for and decided to establish Legendary Properties LLC in 2003. Legendary Properties deals in lending for both commercial enterprises and to individuals. After 12 years in the industry he noted this client niche may not be able to get lending from the mainstream banking and lending industry and so he took advantage of the gap. Based on the prevailing market conditions and market risk Todd was able to nature his skills in analyzing risk in the lending business and grow to what it is currently.

Todd is a proud father of two and loves to travel with his children. He currently lives in Bethsaida Maryland.

Need help? Ask Todd!

For more information, visit Todd’s Tumblr blog and Spokeo bio.

What the New Research Findings by Dr. Shiva Gopal Vasishta Mean for MS Patients

Dr. Shiva Gopal Vasishta is a doctor in New Jersey who specializes in neurology and psychiatry. He studied at Government Medical College and later did his residency at Boston City Hospital. Dr. Shiva has gained almost 40 years of experience in the field with 20 years as a practising doctor and currently works at Eastern Neurodiagnostic Associates but also tends to patients at Kennedy Health System Cherry Hill. Dr. Shiva is one of the doctors committed to find cures to neurological diseases and disorders such as multiple sclerosis (MS).

His practice is one of the few places that conduct transparent transactions when it comes to remitting the medical expenses to the patient’s insurances. The practice accepts most of the insurances companies’ cards and only charges the amounts approved per Medicare policies. The practice’s common language of use is English but uses Spanish too in order to help the patients of Spanish origin.

Dr. Shiva Gopal is among the doctors who were involved in the neurological research whose results have been released most recently. The research involved 24 patients of ages 26-52 suffering from relapsing-remitting Multiple Sclerosis. In the research the patients received an autologous hematopoietic cell transplant after their high dosage of high-dose immunosuppressive therapy. 69% of the patients’ conditions stabilized.  In two of the worst cases the patients died but their deaths were later confirmed to have nothing to do with the experiment although a few caught infections due to their low immune systems.

Even though the findings need further testing, it is certain that the one-time treatment is more effective than the continuous treatment with the MS drugs and this has shone new light to both the patients and the doctors.

Car Refinancing, the benefits that come from the process and why you should try it

There are many people who think that the moment they sign the documents on their first car loan, it is an irreversible commitment. While many people choose to pay the loan as agreed for the term agreed, the option of refinancing is always open. When you refinance, you transfer the credit to a new lender and make an agreement to repay the loan with them. There are situations whereby refinancing will be a prudent and beneficial option while in other situations, it may not be beneficial in any way. Here are a few of the benefits that you stand to gain when you refinance with Ignition Financial slash my payments program.

It is always recommended that you refinance towards the start of a car loan as oppose to trying it towards the end of the loan. The first benefit that comes from refinancing at the start of the loan is that the collateral will still have value and the lending institutions will be more accepting to a better deal for you. Another situation in which you should think about refinancing is if your credit score has increased even if it is by 50 points.

The other situation whereby refinancing will be beneficial is after events such as interest rates coming down. This happens a lot with changes in the economic climate. When it happens, you need to make sure that you have refinanced so as to pay a little less interest than you normally would.

Another benefit that comes from the process is that when done in the proper manner, you can shorten the length of time that you will be paying the loan. This happens when the interest rates are lowered, but you opt to pay the same monthly installment. It is important to note that when looking to reduce the amount you pay per month, you have to be careful. There are instances where increasing the length of time you have to repay a loan will increase the amount you have to pay by the end of the process.

When you choose a reliable company, you will be in a position to get a better deal on car payments.