David Zalik grows GreenSky into one of largest fintech firms

Over the last 20 years, the trend among financial tech startups has been to vilify and denounce the traditional banking model. Companies like Lending Club and and OnDeck have explicitly rejected the traditional lending role, instead trying to create parallel systems that are able to better meet the needs of both lenders and borrowers.

But of those companies have struggled to stay afloat. David Zalik, the founder and CEO of GreenSky, had a very different idea about how to create value within the fintech sector. Rather than trying to burn the banking system to the ground through disruptive technology, Zalik embraced the world of traditional banking, using technology to eliminate frictions and create value for banks, merchants and customers by facilitating deals that would have otherwise fallen through.

This model has proven to be enormously successful. Within just 12 years, Zalik has been able to grow GreenSky from a startup that he funded by taking out a reverse mortgage to a company worth more than $4.5 billion. GreenSky is now poised to make its initial public offering, a move that analysts say could make it one of the best opportunities for IPO investors this year.

GreenSky has an incredibly simple yet hugely effective business model. The company started by helping home remodeling contractors extend credit with generous terms to customers, helping to facilitate many deals that would have otherwise fallen through due to the customer underestimating the true cost of the project that they wanted to complete.

Zalik quickly saw that this model could be replicated across many different sellers of big-ticket items. Today, GreenSky has over 17,000 merchants who are able to connect with 12 of the largest lenders in the country, including Region’s Bank, Fifth Third and Sun Trust. These merchants are able to offer customers truly amazing loan terms at the point of sale, often involving no payments and no interest for 12 months. Because the majority of the customers have extremely strong FICO scores, almost all of these loans are paid back before the higher rates kick in. And the banks who make the GreenSky-facilitated loans almost never contend with delinquencies.

https://www.fool.com/investing/2018/08/06/why-greensky-inc-stock-is-soaring-today.aspx

Stream Energy Sets an Example in Changing People’s Lives

Many people lost their lives, homes, property, and even pets when Hurricane Harvey hit the Houston neighborhoods. Various companies just watched as it happened without taking any action but one company in Dallas, Stream Energy chose to make a change by assisting those who had been affected get access to basic needs as well as reduce their burden financially. Stream Energy is one of the leading energy providers and has made lots of profit from the business. Stream is involved in philanthropy efforts for more than a decade, and it recently founded its foundation called Stream Cares.

Streams decision to create a philanthropy arm has not only benefited the community but also earned Stream Energy more respect and trustworthiness from their potential customers. This step will help them stand firm in case of market instability and profit fall. Other than the corporation assisting Red Cross and Habitat for Humanity, its employees are involved in charitable activities in the grassroots. Through Hope Supply Co, Stream has been able to deal with homelessness in Dallas. At one point, Stream Energy paid for meal and entrance costs for more than 1000 destitute kids at the annual Splash for Hope. It also works with hope in donating school supplies, clothing and diapers for homeless children and has done it for the past four years.

In 2016 when there were tornadoes in North Texas, Stream responded fast in assisting those who lost their businesses and homes by raising funds for them. It worked with the Salvation Army to provide essential needs. Stream Energy also gives financial and moral provision to veterans in Dallas. In a statement she made, Kimberly Girard said that Stream is an organization that enjoys and prides itself in touching people’s lives. She added that they are always on the lookout for new and strategic techniques to give back to society.

Having been named as the least generous states in the US, Stream Energy has proved otherwise. It has taken a bold step that sets an example to others in helping the less fortunate. This has earned it a big name and global recognition.

https://www.elp.com/Electric-Light-Power-Newsletter/articles/2016/03/stream-energy-names-new-ceo-in-mondry.html

Shervin Pishevar says that gold may provide only safe haven in coming market upheaval

Shervin Pishevar has become famous for his ability to predict market trends and furnish the consumer economy with the high-tech products and services that it wants. As the founder and CEO of Investment company, Shervin Pishevar has been instrumental in the formation of a wide range of companies, including Uber, Airbnb and Virgin Hyperloop. He has also personally founded a number of tech firms, which have included Social Gaming Network, Ionside and WebOS.

But it is in his social media presence where Shervin Pishevar may be making the biggest impact. He is one of the most insightful and accurate voices in the realms of economics, finance and technology. If one wanted to know how the world actually worked, tuning into Shervin Pishevar and his social media accounts would be one of the first places that they might want to start.

Gold is due for an uptick

Shervin Pishevar has stated many times in the past that there is a general asset bubble that currently exists across nearly every class of investments available to American investors. The only exception to this may be gold and other precious metals, which Pishevar says have a millennia-long track record of holding their value throughout bubbles, crashes and economic panics.

The central problem behind this bank run, says Pishevar, is the irresponsible intervention that the nation’s central bankers have embarked upon since the financial crisis of 2008. Pishevar says that this is yet another reason why gold may prove to be one of the best safe havens for investors seeking shelter from unmanageable levels of risk. Gold has historically been the asset that money is tied to. So, it makes sense that it would provide an antidote to the fiat-money manipulations of the country’s central bankers.

Pishevar warns that all investors should heed his advice, or at least think about the warnings he is providing. He says that when most major real estate markets have become unaffordable for the median wage earner to even rent a 500-square-foot apartment, something is seriously amiss in asset prices. Pishevar believes that a market correction isn’t just due; it’s necessary.

https://b612foundation.org/members/shervin-pishevar/

How Bernardo Chua Helps To Improve The Lives Of Others

Bernardo Chua is the founder and CEO of ORGANO, which is a direct sales company selling coffee and tea, among other food products. Prior to opening his own company, Chua worked as an executive for Gano Excel where he helped to expand the company in the North American region.

Chua has stated that one of his biggest accomplishments has been the founding and global growth of ORGANO. It is through his company that, Bernardo Chua has been able to help many people improve their health, be able to offer jobs that allow others to financially provide for their families, as well as aid his distributors in growth and revenue. This accomplishment is most appealing to me because despite the company’s growth, Chua does not seem to lose sight in his willingness to help others. View Bernardo Chua’s full profile at LinkedIn

Helping people improve their health goes back to an herb called ganoderma that is sold within ORGANO’s products. Although Chua grew up in the Philippines, his Chinese heritage allowed him to gain knowledge of such an herb. Ganoderma can be found around the world but is especially sought-after in many Asian countries because it is believed to help support a healthy immune system. Chua is one of the first to successfully market the herb with teas and coffee outside the Asian market.

Along with an aim toward healthy products, the OG Care Foundation was created with the growth of the company and aims toward helping disadvantaged youth around the world. Bernardo Chua’s drive and passion to help others paved the way for the development of his business model. He describes direct selling as a “people-driven-business,” and believes you must love people at any level in the industry in order to be successful. This allowed Chua to construct a globally flourishing company. Read more: https://www.thestreet.com/story/13132871/1/bernardo-chua-expands-organo-golds-operations-into-turkey.html

JHSF Development Under Jose Auriemo Neto

Jose Auriemo Neto is the CEO of the biggest real estate company in Brazil known as JHSF. This company was started in 1972 as a construction business by two brothers. They had a dream of making it one of the biggest companies in the country, and though they are no longer in the industry, the dream seems to have been accomplished through one of their own Jose Auriemo Neto. Neto is one of the people who has been in the business for the last two decades, and he has seen everything happen. He has seen JHSF transform from a construction company to becoming one of the top companies in the world.

JHSF engages in the development of high-end properties. Jose Auriemo takes charge of all development works that the company makes. He also makes decisions on the direction of growth the company will make. For instance, in 2009, he ushered the company into a new era where it started dealing with retail brands. It has partnered with producers of luxury brands to open shop in the shopping centers they are building. Some of the brands that have been supported in recent times include Valentino. Jose Auriemo was behind a parking lot management company known as parkbem when he joined JHSF in the 1990s.

The growth of JHSF has been due to the quality of leadership which has been offered by Jose Auriemo Neto. In the two decades that he has been at the helm of the company, he has overseen huge development which has assisted JHSF to take the number one role in the real estate sector.

JHSF has created a huge difference in the real estate sector in business. It is through the contribution of the company that Brazil has some of the most competitive real estate properties in the world. Jose Auriemo hopes that he can take the activities of this company to all cities in the world.

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Infinity Group is Advancing Australians far down the road to financial fitness!

Who doesn’t love the old plastic fantastic eh? It’s good for those last minute footy tickets or a sneaky night out on the town. We love the feeling and thrill spending give us Aussies, but we don’t like it when we get the bill. With the dollar low and the price of everything going up, it is easy to get overwhelmed by debt. If your finances are hurting you and you are struggling to see a way out, why not try a long-term financial coach to get you back on track.

 

How can a finanical coach help me?

 

Financial coaches are a great resource to utilize when you are trying to get straight with your money. They will work with you to develop long-term goals and a plan of attack for the crippling debt you are in or soon will be if you don’t tame the beast.

 

Many folks get nervous when they put their finances in the hands of others, but it is important to remember that ultimately, the financial coaches are there to serve you and you alone. They have no loyalty to the banks and they will put your needs before profit.

 

Financial coaches are not just for debt management and can help you plan for long-term goals such as retirement or help you find ways to trim the budget and squeeze in a extra mortgage payment or two.

 

Consider Infinity Australia for financial coaching

 

Infinity Australia has been in the business of financial coaching since 2013 and offers the following services.

 

Debt reduction

 

Debt reduction is an action plan to help you get out of debt faster and can save you thousands of dollars in interest payments by negotiating a lower interest rate. Many financial institutions are happy to get on board so long as they still get to collect the principal amount owed.

 

Wealth creation

 

Simply put, if you trust in infinity they can help you realize the dream of a savings account. They won’t guarantee you to be as rich as the queen but they will give it their best shot.

 

Retirement planning

 

With Infinity, you can start saving for the autumn years, superannuation may not last forever and you need to be able to have a comfortable retirement, so why not let Infinity help you down the road to a care-free retirement.

 

Infinity Group Australia Reviews are raving and they have won several customer service awards. They are a reliable and steadfast team who is ready to help you today. For more information or to make an appointment call 1800 4634 6489. Learn more: https://www.indeed.com/cmp/Infinity-Group/reviews

Greensky Credit’s Staff

Greensky Credit was established several years ago. It was founded in the year 2006. David Zalik developed the company. The corporate is among the leading companies in the United States of America. The corporate’s headquarters are located in Atlanta, Georgia. However, it has another call center located in Covington, Kentucky. The company is backed by the most influential investors in the world. Some of them include Fifth Bancorp that is situated in Cincinnati, Ohio.

According to a journal in the US, the company is valued at $3.6 billion. The company’s value had elevated compared to a fund-raising that was conducted ranging at around $300 million. Additionally the corporate is backed up by other investors like Wellington management, DST global, Iconiq Capital and TPG.

According to a 2016 valuation that was conducted on various companies, Greensky Credit was awarded the prize of the most valuable growing, privately-owned company. However, there were no financial details that were disclosed. A private organization is not required to disclose its financial information to anyone. They don’t share information with the public.

Greensky Credit corporate is not that familiar with most of the consumers like other financial technology companies. The reason behind this is because the company doesn’t make out loans from its capital. The company’s staff signs up retailers and merchants from all over the country. These merchants primarily sell home improvements staff like aluminum siding, window replacement products and furniture.

Greensky Credit’s employees have been very hardworking and at the forefront to see that all critical services have been delivered. They provide solutions to all consumers. This way the lives of most consumers have improved. Subsequently, the lives of their families have been made better.

Additionally, most small businesses have expanded. Greensky Credit has been able to elevate small businesses into medium-sized corporates. Greensky staff is a dedicated team of employees that are ready to see the organization propel. The organization has over 670 employees. The company has had plans to increase the number of employees as it grows. Also, the CEO confirmed that they would soon extend their services so that they get to accommodate medical personnel like doctors and nurses into their services.

https://tritonstone.com/faqs-about-greensky/

OSI Food Solutions is one Growing Company

OSI Food Solutions was very first started in 1909. This was achieved by a German immigrant that happened to be named Otto Kolschowsky. The company was first started in Oak Park and was then known as being a family meat market. The establishment of the company was within 2 years of Otto Kolschowsky being in the United States. In 1928 Kolschowsky decided to change the name of the company to being Otto &Sons.

McDonald’s happened to of been one of the company’s very first customers. This was during the time that McDonald’s was first starting up their company. The deal that was made between McDonald’s and Otto & Sons was actually sealed with nothing more than a handshake. The deal lead to a long lasting friendship between the Kolschowsky heirs and Kroc, who happened to be the CEO of McDonald’s.

Nowadays, the OSI Food Solutions is doing better than they had ever imagined possible. They were announced in 2016 as being #58 on Forbes list, which was for the largest privately owned companies in the world. Recently, the company began being called and noticed as being OSI Industries, LLC. The amount of locations that the company has is beyond astonishing. These locations happen to include West Chicago, that is located in Illinois, Chicago, Geneva, Fort Atkinson and also many more locations.

OSI Food Solutions is known for having a large variety of products that they offer to their customers. A few of their most popular products happens to include dough and vegetable products, hot dogs, fish, bacon, meat patties, pork and also poultry. OSI Food Solutions provides services to multiple food industries that include Pizza Hut, Papa John’s Pizza, Starbucks and also Subway. The company has made numerous achievements throughout the years and a few of the awards include health and safety risks awards, along with environmental management awards.

Read More: www.osigroup.com/

Dr. Mark McKenna’s Practice on Medical Aesthetics

Dr. Mark McKenna is a medical doctor from Atlanta who specializes in medical aesthetics. He is a licensed physician in surgery by the Georgia and Florida State Board of Medical Examiners. The doctor studied at Tulane University Medical School where he graduated with a Medical Degree in 1999. While studying for his degree, Dr. McKenna who is also business-minded also wanted to make extra money through the real estate business. For this reason, the doctor joined his father who was in the industry by establishing his real estate business in New Orleans.

Nevertheless, Dr. Mark McKenna lost millions of dollars during the natural calamity of the hurricane Katrina. After the aftermath, he rebuilt his company but later sold it and went back to Atlanta where he established his own practice called ShapeMed. The ShapeMed facility consisted of several offices that specialized in treatments such as laser hair removal, weight therapies, nutrition, and Botox injections. Again, Dr. McKenna would later sell his chain of businesses to Lifetime Fitness Company in 2015 and became part of its staff before resigning after another private entity acquired it.

Dr. Mark McKenna’s Venture in Atlanta

Dr. Marks McKenna recently established a new business which is called the OVME that will function like the Uber app for Botox patients. The new venture entails an OVME app that can help customers connect with the freelance doctors who are available online which is a similar scenario of how the Uber services operate. OVME will be focusing on medical aesthetic to individuals and will also offer the minimally invasive procedures while enhancing looks. Additionally, Dr. McKenna who is business oriented says that he had always had a strong sense of entrepreneurship where he started when he was still in college.

Furthermore, the OVME will not only be an app but will exist physically at Buckhead, Atlanta as it is set to be launched in March. The OVME premises will incorporate four luxurious rooms as treatment areas while it will contain a private room for personal consultations. Dr. Mark McKenna design of the OVME product is to have a combination of the medical aesthetics using the cutting-edge type of technology. The doctor is confident with the launch of the facility that the residents of Atlanta will have a chance to get the best medical aesthetic experience with the exact results they desire.

https://www.linkedin.com/in/drsmarkmckenna

A SIGNIFICANT LAW ENFORCER; RONALD FOLWKES.

It starts with a dream, then a driving force to turn passion into a reality. This is evident in the life of Ronald Fowlkes whose dreams and passion was to serve his country diligently. Not long after completion of high school, he joined the Marine forces which gave him the direct opportunity to be of service to his country. Almost all his life he has worked in the law enforcement section ensuring that the people are safe in all their endeavors.

He later joined the police force where he continued with his serving of the society. In his working period, he got the chance to work with an organization that deals with distributing equipment to the soldiers and peacekeepers from all corners of the world. The company, namely FirstSpear, has grown to be of importance to the community as it helps to ensure that security workers and peacekeepers are fully equipped to provide their services efficiently.

Ronald Fowlkes is also a mentor who is passionate about guiding young people to realize their full potential. He loves gear from a tender age, and this influences his guidance where he tells young people to maintain their gadgets and gears for better service. He elaborates that a well-maintained gear will ensure success in a person’s work and a badly maintained one will only result in disaster. Therefore, through his grit for service, he helped to build the future of the country as the young generation is the future. He also knows that one way to capture a young person or child is through games. Therefore, he uses sports as a channel to talk to the children, and they have a good understanding of the things he talks about.

A law enforcement company started by Ronald Fowlkes is a continuation of security solutions to the problems outlined. He began his company to fulfill his dream of being a person of service to all. The funding of the company was made possible as he used some funds from his company, Eagle Products. It is from this establishment that FirstSpear was developed. He understands that helping other law enforcers such as the police gives them time and space to work without a lot of challenges.

Having been in the military training, he knows what it takes for one to prevail. He, therefore, uses his knowledge to give back to the society. At the same time, working as a police officer has assisted him to know the challenges I the law enforcement sector. He uses all the opportunities and experiences he has had to help the people in the society. Therefore, Ronald Fowlkes is one person to admire as he makes many people realize their abilities and for those working to maximize their opportunities to serve people in a better way.