In the wake of the 2008 financial crisis, lenders and consumers alike have had many concerns regarding the state of the credit market. Traditional banks have tightened restrictions on lending, making it more difficult to obtain credit, especially when the need arises very suddenly and unexpectedly. For consumers who don’t meet banks’ lending criteria, options...
From Clipboard to Cloud: Ensuring Patient Privacy and Portability in Health Records Key Points HIPAA protects institutions, not information. Once health data leaves a covered entity for an app, vendor, or broker, federal protection ends, and Texas law leaves that gap open. The interest at stake is not only access to clinical records. It is...
A decade ago, the typical Texas home value was about $181,000. Today, it’s ballooned to around $302,000. As home prices increase so too does the barrier to entry get higher. A recent study estimates it would take 7 years for a median-income Texas household to save up for a 20% down payment. But you don’t...