Probate Attorney – Estate Planning, Wills – Trusts #law #firm, #law #office, #legal #advice, #lawyer, #attorney, #divorce, #family #law, #child #support, #adoption


For over 30 years, founding attorney, Christy Brad Escobar, has been practicing law with the aim of improving people’s lives. We think that tradition is important.

For over 30 years, founding attorney, Christy Brad Escobar, has been practicing law with the aim of improving people’s lives. We think that tradition is important.

For over 30 years, founding attorney, Christy Brad Escobar, has been practicing law with the aim of improving people’s lives. We think that tradition is important.

Over 30 Years Of Legal Experience

At Escobar Associates Law Firm, Ltd. we have more than 30 years of experience guiding people through legal issues, including divorce, adoption and other family law matters, as well as estate planning and probate. Our goal is to provide personalized legal counsel for each of our client’s unique needs.

Our background in counseling with family members gives us the ability to carefully listen to our client’s desires and translate them into legal strategies in a variety of legal areas. Our founding lawyer, Christy Brad Escobar, is known for his extensive legal knowledge in the core areas of family law. He knows how important it is to protect your rights as you face family law proceedings regarding divorce, child support and custody, guardianship and other significant decisions affecting your family. Escobar Associates Law Firm, Ltd. is also recognized as an established law firm facilitating adoption in Nevada.

Nevada Will And Trust Attorney — Protecting Your Assets And Your Loved Ones Through Estate Planning

Our attorney has assisted countless clients in creating estate plans that address each client’s unique needs and wishes. If you want to protect your assets, reach out to our firm to discuss the creation of a will, trust, power of attorney or other estate planning document. We are also here to help clients settle the estates of their loved ones through the probate process .

Contact Us To Learn More About Our Broad Range Of Legal Services

To learn more about the services we provide and how we can help in your legal situation, call Escobar Associates at 888-339-6061 or contact us online. Our office is located in Las Vegas, Nevada, and is easily accessible from Centennial Hills, Summerlin and The Lakes.

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Africa Leading the Way in Adoption of Mobile Banking #africa #leading #the #way #in #adoption #of #mobile #banking #mobile #banking,mobiles,internet


Africa Leading the Way in Adoption of Mobile Banking

Agence France-Presse. 28 April 2015

Services allowing consumers to perform banking and payment operations on their mobile phones are surging in sub-Saharan Africa, blazing a trail for the rest of the slower-moving world to follow.

Given that relatively few Africans have traditional bank accounts while most now own a mobile phone, it is of little wonder the region has taken the global lead in using the devices to pay bills, make purchases, manage their savings or get fast access to cash.

A report last year by Swedish telecom company Ericsson said mobile subscriptions in sub-Saharan Africa were set to surpass 635 million by the end of 2014 a figure “predicted to rise to around 930 million by the end of 2019.”

Data from the World Bank for 2014 also showed that while less than 29 percent of people aged 15 and over in the region had a traditional bank account, around 10 percent possessed an alternative accessible by mobile phone. That figure rose to over 50 percent in countries like Gabon, Kenya and Sudan.

Overall, the World Bank found 16 percent of sub-Saharan mobile users have used their phones for banking purposes a figure larger than any other global region, and ripe for far wider use still.

In 2014 alone, about $67 billion in funds were transferred by African expatriates back to people on the continent. With fees charged by mobile banking companies for transactions generally lower than traditional intermediaries like Western Union, the growth potential for financial phone applications appears enormous.

For now, however, telecom operators in Africa largely limit mobile services to buying phone credits, paying water and electricity bills, or making money transfers and cash withdrawals relatively basic but considerably handy services to local clients.

‘Real social service’
“Paying an electricity bill in Africa takes a half a day because there are very few offices where that is possible. So there’s a real social service in being able to settle bills from a distance,” said Alban Luherne, director of Orange Money, the mobile banking unit of French operator Orange.

The Boston Consulting Group estimates that further development of mobile payment applications could generate as much as $1.5 billion in sales by 2019, when it says the number of Africans possessing a mobile phone should increase by another 25 percent.

“This segment is very new, with the numerous companies active in it mainly being start-ups positioning themselves,” said BCG consultant Othman Omary, adding that “there still isn’t an actor of reference.”

The exception to that rule, Omary noted, is Kenya’s M-Pesa service by British telecom giant Vodafone’s subsidiary Safaricom, which has become a leading force in the sector.

But even there, he said, M-Pesa’s success has been built mostly on a favourable regulatory and technological environment absent in other markets.

“There have been many difficulties, even failures in the sector, M-Pesa notwithstanding,” said Georges Ferre, a consultant with the Roland Berger consultancy.

“For things to work, you need a country with supportive regulation and reversals in cultural attitudes that often view money as meaning cash,” he said.

Omary said that as mobile banking models are developed in Africa, they’ll need to take into account the very low income flows of their main client base.

That means prices charged for services must be limited to affordable levels to encourage widespread use.

“If processing costs are similar to those of a traditional bank, making a profit is going to be difficult,” Omary added.

Because of that, said Orange Money’s Luherne, return on investment must remain a relatively long-term concern, as consumers gradually embrace management and spending of their money in digital format.

“We initially launched this service to enhance customer loyalty, and that has proven extremely effective in doing so,” he said.

But “over the years, we realised it was a source of revenue in its own right, and a new growth activity for the group,” he added, noting Orange Money now generates five percent of company income.

Orange Money is going even further, preparing credit offers via mobile phones in partnership with the pan-African Ecobank. It is also considering providing savings and insurance plans by mobile.

Omary said that large-scale migration to new mobile banking capacities may occur faster than some expect, with many people in Africa already used to alternative borrowing options like loans from relatives to obtain needed cash.

“Mobile phones could be an interesting alternative to that in terms of cost and security,” he said.

Comparing the Top 10 Private Cloud Providers #private #cloud, #cloud #companies, #cloud #adoption


Private Cloud Computing Providers

These top companies private cloud vendors offers solutions that enable enterprises to deploy and manage a wide array of private cloud environments.

Deciding which private cloud providers are the leading private cloud companies is somewhat complex. When it comes to the public cloud. it’s pretty easy to figure out which companies are the leaders. Amazon Web Services dominates the market with Microsoft, IBM and Google trailing and several niche players farther down the list.

But the private cloud market is far more diverse in part because it takes a lot of different types of products and services to build a private cloud. Some vendors sell cloud-ready hardware, others sell cloud software and still others sell virtual private cloud services .

As the cloud computing market has matured, attitudes toward the private cloud have clearly changed. Early on, say in 2010, there was a reluctance among businesses to migrate to the public cloud, certainly some foot dragging. As companies weighed the pros and cons of cloud deployment, they were far more comfortable with private cloud; in essence it was an extension of the traditional in-house datacenter.

Now that public cloud computing is fully mainstream for businesses of all size, some experts forecast that private cloud will fade away. As companies offload a greater percentage of their infrastructure to the public cloud, building and maintaining private cloud is seen as less desirable. On the other hand, the private cloud sector remains strong. At the least, businesses need to hold some data in-house for compliance purposes, so it s likely that the private cloud will always have a place.

While the private cloud market isn’t as large as the market for public cloud services, it’s still very substantial. According to Technology Business Research. companies spent $41 billion on private cloud computing in 2014, and that total will likely grow to $69 billion by 2018, a compound annual growth rate (CAGR) of 14 percent.

This article looks at some of the private cloud leaders in this rapidly growing market, detailing their product offerings and their various strengths.

Best Private Cloud Providers


By most estimates, Hewlett Packard Enterprise (HPE) is a key leader in the private cloud market. According to Wikibon, HPE accounted for 7 percent of the true private cloud market in 2015, which put it in a tie for first place. And Synergy Research said that HPE was the biggest provider of private cloud hardware in the second quarter of 2016, comprising more than 20 percent of the market.

HPE’s private cloud offerings span hardware, software and services. Many of its private cloud solutions are sold under the “Helion” brand name, and they include the Helion Cloud Suite software, Helion CloudSystem hardware, Helion Managed Private Cloud and Managed Virtual Private Cloud services, as well as many other products.


The Wikibon report said that VMware was tied with HP for first place in the true private cloud market for 2015 with 7 percent of the market. And Forrester named VMware a leader in the private cloud market. VMware says that more than 500,000 enterprises use its technology to power their private clouds.

VMware is, of course, best known for its virtualization software that runs many private cloud environments. It also offers the vRealize Suite Cloud Management Platform, which can manage both private and hybrid clouds. and Cloud Foundation, a software-defined data center platform designed for private clouds.


Even before its purchase of EMC, Dell was a leading vendor of servers and other hardware used to build private clouds, and with the merger, the company has cemented its position as a private cloud leader. In Wikibon’s estimation, EMC alone had 6 percent of the true private cloud market in 2015, and Synergy Research estimated that EMC and Dell together accounted for more than 15 percent of the private cloud hardware market in the second quarter of this year, putting them in second place behind HPE.

Dell’s private cloud offerings include virtual private cloud services, cloud management and cloud security software, and a variety of cloud consulting services.


Wikibon placed Oracle in three-way tie for first place in the true private cloud market for 2015. Like HPE and VMware, Oracle captured about 7 percent of the private cloud market. The company’s outspoken executive chairman and CTO, Larry Ellison, recently unveiled Oracle’s bold plans to challenge Amazon Web Services in cloud computing, saying “Amazon’s lead is over. Amazon’s going to have serious competition going forward.”

Oracle’s Private Cloud solutions include its Cloud Platform, applications, infrastructure, lifecycle management tools and integration services. It also offers Managed Cloud Services.


In August 2016, Technology Business Research named IBM “number one in private cloud.” According to Wikibon, IBM had 4 percent of the true private cloud market in 2015, and Forrester labeled IBM a leader in private cloud software suites for the first quarter of 2016.

IBM’s private cloud solutions include hardware such as IBM Systems and IBM Storage, hosted private cloud services, IBM Cloud Managed Services, cloud security tools and software like Cloud Manager and Cloud Orchestrator. It also has cloud solutions and services for its System z mainframe platform.


Synergy Research Group’s report on cloud market leaders for the second quarter of 2016 placed Microsoft number one for private cloud software, comprising more than 40 percent of the market.

Many private clouds run on Microsoft’s Windows Server operating system and its Hyper-V virtualization technology, which is integrated into Windows Server. The company is pursuing a hybrid cloud strategy, which encourages enterprises to integrate private clouds in their own data centers with the company’s Azure public cloud computing service. To that end, it offers Microsoft Azure Stack, which allows companies to replicate the Azure service in their own data centers.


Synergy Research Group reported that Cisco was the third largest provider of private cloud hardware in the third quarter of this year, and Wikibon said that the company had 3 percent of the true private cloud market in 2015. In its Forrester Wave for Private Cloud Software Suites in the first quarter of 2016, Forrester named Cisco a “strong performer.”

While best known for its networking hardware and solutions, Cisco also offers a variety of cloud software for analytics, infrastructure automation, cloud management and orchestration, development and cloud security. Those offerings include its Cisco ONE Enterprise Cloud Suite, Cisco CloudCenter and the Metapod, a production-ready cloud stack that Cisco deploys and operates in enterprise data centers.


Unlike the rest of the vendors in this slideshow, NetApp is primarily a storage vendor. Still, the Wikibon true private cloud report puts NetApp sixth in the private cloud market with a 4 percent share.

NetApp’s private cloud storage offerings include NetApp Private Storage (NPS), the AltaVault Cloud-Integrated Storage backup solution that can run on public or private clouds, and StorageGRID Webscale Object Storage, which also runs in public or private clouds. It also offers NetApp Private Storage for Cloud and FlexPod converged solutions, which combine hardware from NetApp and Cisco and can be used in private cloud environments.

Red Hat

Named a “leader” in the Forrester Wave analysis of private cloud software suites, Red Hat offers a variety of private cloud solutions based on open source software. Like Microsoft, it is emphasizing a hybrid approach, encouraging customers to deploy private cloud resources that make it easy to integrate with Red Hat’s public cloud services.

Red Hat’s private cloud offerings include the Red Hat Cloud Suite management and development platform, Cloud Infrastructure software, CloudForms cloud and container management software, Red Hat Virtualization, Red Hat OpenStack Platform and Red Hat Gluster Storage. The company also offers a variety of services to help customers deploy and manage private and hybrid clouds.

Amazon Web Services

The undisputed leader in public cloud computing, Amazon Web Services (AWS) doesn’t have as broad a private cloud offering as most of the other vendors on this list. It does, however, offer a Virtual Private Cloud (VPC) service that runs on its public cloud infrastructure. VPC allows organizations to isolate their cloud instances from those of other organizations in order to meet security and compliance needs. VPC also gives administrators greater control over the cloud environment, and it provides the option to create a Hardware Virtual Private Network (VPN) to connect enterprise datacenters with AWS.

Private Cloud Providers Comparison Chart

Private cloud market share figures fromWikibon.

Next Steps

Read our cloud comparison guide to understand all of your cloud computing options.

Family Law Attorneys Wheaton #dupage #county #divorce #attorneys, #wheaton #family #lawyer, #modifications, #high #net #worth #divorce, #alimony, #divorce, #adoption, #civil #unions, #child #custody, #family #law, #visitation, #paternity, #law #firm, #attorney


Divorce, Family Law, and Mediation Attorneys in Wheaton, IL

Lawyers for Family Law, Appeals, and Collaborative Law Matters in DuPage County

At The Stogsdill Law Firm, P.C. our attorneys are dedicated to the practice of family law. For over 40 years, we have assisted individuals and families in DuPage County and the surrounding areas with divorce counsel, allocation of parental responsibility disputes (child custody ), child support issues, and all types of family law matters.

Our firm has a reputation for aggressively representing clients in negotiations and at trial. We are committed to achieving our clients’ objectives and obtaining the best possible resolutions. We represent husbands, wives, mothers, fathers, grandparents, domestic partners, and other family members. With several guardian ad litem (GAL) certified attorneys, we also represent children. We are the lawyers other lawyers turn to when they are seeking resolution of emotional matters involving their family’s future.

Experienced Divorce Representation in Wheaton, IL

Whether you are already going through a divorce or contemplating filing for divorce, our attorneys have the legal knowledge and experience to guide you in the best direction. We understand the complex nature of the marriage dissolution process, and how easy it can be to become distracted by peripheral issues and disputes.

Our attorneys will help you focus on the most important aspects of your divorce proceedings so that you can achieve an efficient and favorable resolution. We will help you make informed decisions about child custody and support, property division. alimony/maintenance. and other matters related to your divorce. Whether your case can be resolved through mediation. or requires litigation, we will fight to protect your rights and interests.

Skilled Family Law Counsel in DuPage County

Family law matters are as diverse as families themselves, and no two cases are exactly the same. At our firm, we provide high-quality legal counsel that is tailored to the unique needs of our clients.

Whether you are growing your family through adoption. clarifying a familial relationship with paternity testing, or seeking to provide legal protections against divorce disputes using a prenuptial or postnuptial agreement. we can help. Each of our attorneys is devoted to delivering exceptional legal advice and representation in every case we accept. Where necessary, our attorneys work together to ensure our clients have the most capable legal counsel.

For assistance with your divorce or family law matter, contact us at 630-462-9500630-462-9500 to schedule a consultation with one of our experienced attorneys. We will go over the circumstances of your legal situation and discuss how we can help you achieve a successful resolution. Our firm is conveniently located in Wheaton, Illinois, and we serve clients throughout the surrounding areas including DuPage, Cook, DeKalb, Kendall, and Will Counties.

I would highly recommend Tony Sammarco to anyone needing a divorce lawyer. He explained all my options to me and he made sure I understood the process. I am glad I had him there to help me through this difficult time.

Thank you doesn’t seem enough for all that Bill Stogsdill and Brett Williamson have done not only for me, but my children as well. When I first met both of these gentlemen, each presented themselves with such self-confidence. I instantly knew.

The Stogsdill Law Firm and I were able to obtain sole custody of my son. I am fortunate for the outcome and I am to be a father to my son. Secondly, my ex-spouse was awarded limited portion of the marital estate. Bryan Estes is more than an excellent lawyer.

Whenever my opinion is asked by any of my clients, friends or family regarding what law firm someone should use for their divorce my answer is always the same –The Stogsdill Law Firm, P.C. The kids and I are forever indebted to Bill and his firm.

Bryan’s ability to listen and understand my situation and then offer his advice on how we should proceed was the main reasons I hired Bryan as my attorney. That was the best decision I made, for myself and my children. Bryan helped develop action plans as well as a strategy.

I wanted to thank you for your professional and respectful help with my case. Before entering your law firm, I felt as if my life might be at an end. After being greeted by your office manager, I was completely put at ease. Then after my consultation with you, I knew I was in good hands.

Mr. Smit has demonstrated a high degree of loyalty and trust worthiness to his work and to his associates. Justin certainly is an asset to your Law Firm, his organization skills are second to none. I have and will continue to recommend Justin.

I recently made the life-altering decision of ending a 30 year marriage. While the support of family and friends was very important, I knew that choosing the right attorney was vital. In large part, my future would be determined by his legal advice and skills…

You’ve clearly established a client-focus in your office — providing your clients with the warmth and understanding they need as they go through a very difficult time. Thank you, again, for all your help.

Taking that step to file for divorce was probably one of the most life changing decisions I have ever made. The process is very painful and emotionally draining. I retained Robert Boyd and Justin Smit of The Stogsdill Law Firm, P.C.

From our office in Wheaton, Illinois we serve clients throughout DuPage County, Cook County, Kane County, DeKalb County, Kendall County and Will County including the communities of Naperville, Lisle, Glen Ellyn, Downers Grove, Warrenville, Winfield, West Chicago, Carol Stream, Bloomingdale, Lombard, Woodridge, Darien, Burr Ridge, Hinsdale, Clarendon Hills, Elmhurst, Oak Brook, Westmont, Addison, Roselle, North Aurora, Geneva, St. Charles, Bolingbrook, Batavia, Joliet, DeKalb, Sycamore, Yorkville and Oswego.

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DISCLAIMER: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Des Moines, Iowa Attorney practicing in Iowa primarily in Estate Planning. Trust, Wills Probate. Business Law. Family Law. Personal Injury. Real Estate. Attorneys at Howes Anderson, P.C. Law Office are dedicated to serving their clients in Iowa, including the cities of West Des Moines and throughout the state of Iowa, including the communities of Polk County, Dallas County, Warren County, Clive, Waukee, Urbandale, Johnston, Windsor Heights, Ankeny, Norwalk, Grimes, Granger, Pleasant Hill, Altoona, Indianola, Carlisle, Adel, Des Moines and surrounding communities.

New Baby Congrats Quotes, Baby Shower Sayings, Adoption Quotations #quotations, #quotes, #baby, #babies, #adoption, #quote, #quotation, #baby #shower, #baby #showers, #having #a #baby, #adopting, #shower, #showers, #invitation, #invitations, #congrats, #congratulations, #congratulate, #saying, #sayings


Making the decision to have a child is momentous. It is to decide forever to have your heart go walking around outside your body.

Babies are such a nice way to start people.

A baby is an angel whose wings decrease as his legs increase.

It would seem that something which means poverty, disorder and violence every single day should be avoided entirely, but the desire to beget children is a natural urge.

Where did you come from, baby dear?
Out of the Everywhere and into here.

George MacDonald, At the Back of the North Wind

Every child begins the world again.

Henry David Thoreau

Aside from new babies, new mothers must be the most beautiful creatures on earth.

Terri Guillemets, 2010 January 26th, journal

Getting down on all fours and imitating a rhinoceros stops babies from crying. (Put an empty cigarette pack on your nose for a horn and make loud “snort” noises.) I don’t know why parents don’t do this more often. Usually it makes the kid laugh. Sometimes it sends him into shock. Either way it quiets him down. If you’re a parent, acting like a rhino has another advantage. Keep it up until the kid is a teenager and he definitely won’t have his friends hanging around your house all the time.

Always kiss your children goodnight — even if they’re already asleep.

Quoted by H. Jackson Brown, Jr.

Send your little child to bed happy. Whatever cares press, give it a warm good-night kiss as it goes to its pillow. The memory of this in the stormy years which fate may have in store for the little one will be like Bethlehem’s star to the bewildered shepherds. “My father my mother loved me!” Fate cannot take away that blessed heart-balm. Lips parched with the world’s fever will become dewy again at this thrill of youthful memories. Kiss your little child before it goes to sleep.

Charles Bullock, 1861

It kills you to see them grow up. But I guess it would kill you quicker if they didn’t.

Barbara Kingsolver, Animal Dreams

It sometimes happens, even in the best of families, that a baby is born. This is not necessarily cause for alarm. The important thing is to keep your wits about you and borrow some money.

Elinor Goulding Smith

Adam and Eve had many advantages, but the principal one was, that they escaped teething.

The moment a child is born,
the mother is also born.
She never existed before.
The woman existed, but the mother, never.
A mother is something absolutely new.

There are three reasons for breast-feeding: the milk is always at the right temperature; it comes in attractive containers; and the cat can’t get it.

. a little child, born yesterday,
A thing on mother’s milk and kisses fed.

“Hymn to Mercury” (one of the Homeric Hymns), translated from Greek by Percy Bysshe Shelley