GreenSky CEO David Zalik makes novel business model work

Business, Businessman, CEO, Company, Entrepreneur, Founder, Home Repair, Investment, Investor, Technology

When entrepreneur David Zalik went on a roadshow back in 2005 to pitch his idea for a fintech company that would extend instant point-of-sale retail loans, he knew that he had stumbled across a gold mine. But the 32-year-old veteran of the business world had a tough row to hoe when trying to convince banks to loan him the capital that he needed to get his new business off the ground.

Zalik visited dozens of banks in the fall of that year, only to be rebuffed by skeptical looks and promises by bankers to talk to their bosses, meetings that somehow never seemed to materialize. Eventually, Zalik came to terms with the fact that it wasn’t so much the concept behind his new company, which would become known as GreenSky Credit. Instead, it was the revenue model that had bankers spooked. Quite simply, it was a business model that had no historic analogue.

All sides gladly pay when everyone wins

But Zalik would end up being proven right. After being rejected by so many banks, the determined businessman decided to liquidate his entire real estate portfolio and finance the company himself. This would turn out to be a good bet. But even Zalik had doubts in the beginning about whether he could really make the GreenSky revenue model work.

GreenSky would ultimately end up making money from all three of the parties to the transaction although it wouldn’t be advertised that the borrowers themselves are actually paying for some of it. The contractors and retailers who pitch GreenSky loans and with whom the GreenSky borrowers are actually purchasing goods and services pay the highest fee, 6 percent of the principal amount. But these entities are more than happy to pay that fee because the loans are going towards business that they almost certainly would never have otherwise had.

And the fact is that the 6 percent fee that the retailer pays is effectively rolled into the loan itself, meaning that it is really the customer who ends up paying it. But the customers or borrowers couldn’t be happier. That’s because they’re getting to complete projects that otherwise would have fallen through. And the banks themselves pay a 1 percent carrying fee on all loan balances originated by GreenSky.

http://greenskycredit.atsondemand.com/

Shervin Pishevar Warns Of Changes Coming To The American Economy

Business, CEO, Entrepreneur, Investment, Technology

There is something brewing in the United States that we have not seen in our lifetimes if you believe the words of Shervin Pishevar. He feels that we going through a transformative time in the country that is going to shape the way that we all move forward into the future.

As an early investor in Uber, Shervin Pishevar earned a name for himself by being one of the first to put his faith and his money into the company. He not only earned a good reputation for having done this, but he also earned himself a nice bit of money as well. He proved that he knew how to make a good financial prediction.

Twitter has been blessed by the likes of Shervin Pishevar. He has an account that he likes to use frequently in order to inform his readers of his thoughts on how things are going in the economy. He even recently took the opportunity to go on a “tweet storm”. This is a stretch of time during which a person uses their Twitter account to send out multiple messages on the same or similar topics.

The tweet storm from Shervin Pishevar would end up lasting a total of fifty tweets over a period of twenty-one hours. Thus, he was able to keep his followers hanging on his every word the whole time.

During that lengthy amount of time he tweeted about how he feels that the stock market is about to go into a correction. That is when the market corrects by at least twenty percent. That kind of thing is common enough, but the reasons why Shervin Pishevar believes that it is about to happen are something different.

He thinks that China and others are becoming the parts of the world where the newest startups are going to happen. Instead of great companies getting their start in America we will have to look abroad as other countries start to take away the biggest advantage that we used to have over them. He may or may not be right about this, but at least he has a strong track record of predictions from the past.

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

The quality of Waiakea bottled Water

Business, Healthy Drink, Volcanic Water, Water, Water Alkaline

The choice of bottled water can be tough to make. There are so many bottled water brands that can be found in the United States, but very few are known how they operate or how they get their water. Many companies do not share vital information with their customers. They leave it to the customer to buy based on the kind of branding they make on the bottle. The ads that these companies make are impressive but telling you how they get the water is very hard. The source of the water is the most important thing that they should be telling us instead of the great ads they make coupled with great pictures that depict cleanliness.  

Bottled water is meant to safer than tap water. When taking bottled water, you will need to spend some money. It is not that you are being given for free. If you would like to benefit from the money you spend, go for the brand that cares about your health. Any credible company should reveal information about the quality of the water they have bottled and the sources of water they have. Information on these issues will allow you to make the right decision.

About Waiakea Water


Waiakea Water is the best brand of water in the market right now. When you want to buy this water, you should feel safe about the quality. They have everything in the public domain. How they get the water, the benefits of the water and all the minerals contained in the water is information that you can get easily.

Waiakea Water company was started in 2012, since then, they have strived to make good changes in the industry. They have introduced sustainability and transparency in the industry. Companies are now being compelled to disclose how they get their water. The days when companies would bottle water direct from the taps are gone. Every company must show their customers that they are serious with their health.

Some of the benefits of Waiakea Hawaiian Volcanic Water are the minerals and the safety. This water is safe for human consumption since it is tapped directly from the mountains and contains necessary minerals for human health.

http://www.medicaldaily.com/alkaline-water-vs-plain-drinking-water-can-waiakea-bottled-water-lead-optimal-health-330396

https://vimeo.com/127305275

HCRC Staffing President and Founder, Brian Torchin

Brian Torchin, Business, Founder, HCRC

Brian Torchin is the founder and current President of HCRC Staffing. The Company provides an online platform where qualified medical practitioners get access to employment opportunities. He attended university and attained a bachelor’s in exercise science. He currently puts his focus on chiropractic medicine and has branches in Florida, Pennsylvania, and Delaware.

The idea of launching HCRC Staffing arose when he realized that many medical graduates were unemployed. He also noticed that several medical facilities were understaffed. He developed the company to link the graduates to their potential employers. View CNN iReport about Brian Torchin

Since its inception, HCRC has achieved its goal of bridging the gap, and he has also enabled several professionals to acquire jobs. The agency specializes in taking the graduates through job allocations and job counseling.

Brian Torchin has penetrated the global industry. It has provided a model for inestimable professionals from all around the world to have a choice in their preferred destinations. Consequently, he has immensely contributed to the health sector by ensuring patients acquire quality medical attention.

By counseling the recruits, the platform ascertains that the professionals meet the set medical standards. It has thus improved the delivery of medical services. Owing to his exceptional contribution to the pharmaceutical sector, he has been featured in several media platforms.

In May 2013, he was acknowledged by Digital Journal for his support of the health care system. Later in the year 2014, Wikialagoas published an article “your health is in safe hands.” The report detailed how HCRC Staffing had improved the quality of medical services.

Brian Torchin is an active social media with accounts on Facebook and Twitter. He occasionally updates his reports regarding medical slots. He has enabled hundreds of medical graduates to secure jobs through his regular posts and tweets. Most of the beneficiaries are within the U.S with a couple of others coming from the rest of the World.

Learn more: https://plus.google.com/106112186041036712086

 

OSI Food Solutions – Doing things the right way

Business, Food Industry

OSI Food Solutions, also known as the OSI Group, is a global supplier of custom value-added food products, which are distributed to the world’s leading food service and retail food brands. They are based in America, and they are considered to be one of America’s largest privately held companies. OSI Food Solutions takes pride in their utilization of innovation and creativity, and have implemented these concepts throughout their entire existence. The company has it’s international headquarters in Aurora, Illinois, and they operate over 65 facilities in more than 17 countries. OSI Food Solutions has the financial and operational resources to provide custom-made food solutions made to your precise specifications, with excellent food safety, as well as quality assurance policies and procedures. Actually, the company started out as a small family owned meat company. Otto Kolschowsky, an immigrant from Germany, came to America in 1909 and opened the business with his family. At the time it was simply called Otto and Sons.

Over the years however, OSI Food Solutions developed a reputation for providing high quality meat products. After many partnerships were forged, along with well-thought out acquisitions, hard work, and good business practices, they subsequently grew into an international food giant, providing excellent food services to thousands of companies throughout the world. A truly successful endeavor. Nonetheless, OSI Food Solutions strongly believes that this success is fueled by the innovation and creativity of their employees. For this reason, they work hard to create an environment that provides challenging, stimulating, and rewarding opportunities. The employees at feel that they truly can make a difference, and they have passion for the work they do. The philosophy of their hiring practice, is that all persons have the right to be treated with dignity and respect, and it is their policy to provide equal employment opportunities to everyone, regardless their age, gender, race, gender identity, sexual orientation, or any other characteristic. This is another reason why they have become so successful, and why they will continue to grow.

LinkedIn: https://de.linkedin.com/company/osi-industries

The Life and Career of Louis Chenevert

Business, Business Leader, Businessman, CEO, Entrepreneur, Entrepreneurs, Investor

The success of Louis Chenevert will forever be discussed. No one has been able to surpass his legacy in the industry. Many investors around the world are using his mechanisms of running a business. Louis Chenevert has always been a passionate investor. He studied Production Management in the university. A production manager is supposed to work and ensure that the company is maximizing their output, as they minimize their costs.

 

Louis Chenevert worked in UTC for eight years. Before this, he was working at General Motors. Despite being his first company, after school, he enjoyed several promotions, thanks to his hard work and diligence. He even got a chance to oversee the overall production of the firm. After 14 years of service to the firm, he decided to taste other waters, and he moved to the engine manufacturing company in 1993.

 

The Pratt & Whitney was a branch of UTC, at the moment. He took his passion with him to this company as well. As expected; the division he had been assigned began to show significant improvement, which led to his appointment as the President of Pratt & Whitney. When UTC saw the change that he was bringing in the firm; they gave him a bigger responsibility by making him the CEO of UTC. This was the best decision UTC ever made. It was the turning point of the firm.

 

Louis Chenevert joined UTC when the country was going through the recession period. Many firms were not focusing on making progress, all they wanted at this juncture is to remain in business. There were massive layoffs in the industry. However, Louis Chenevert decided to stick with his staff. He says that great plans without a solid team are useless. One needs a great team to evaluate the tasks of the company, and offer quality services.

 

The other thing that changed the fate of UTC is the acquisitions he made for the firm. To begin with, he bought the GTF engine from his former boss. He had seen the potential of the engine while he was working in the firm. His acquisitions helped UTC gain leverage in the industry.

 

Jeunesse Reserve: A Natural Remedy to Premature Aging

Business, Entrepreneur, Entrepreneurs, Healthcare Provider

Reserve is one of the most advanced and used nutritional supplements in the industry today. The product is made from a blend of fruits, which makes it attractive to many individuals who want something made from natural ingredients. Fruits are known to contain antioxidants which are designed to deal with free radicals that cause skin aging.

 

Researchers have confirmed that free radicals, which are molecules in our body, play a significant role in increasing the physical properties of aging. These molecules are unpaired which makes them unstable in our bodies. Since free radicals hurt our skins, an antioxidant has to be used to eradicate them from our bodies so that we can improve our immune system.

 

Reserve contains a significant number of antioxidants, which originates from the fruits. Antioxidants increase immune systems in our bodies by repairing the cells destroyed by the free radicals. Therefore, Jeunesse Reserve should be taken in a bid to destroy the free radicals in our body so that we can enhance our skin at makes look youthful.

 

Benefits of Jeunesse Reserve

  • Repairs the damages inflicted by unstable radicals
  • It has a yummy taste since it’s made from fruits such as blueberries
  • Reserve does not have artificial flavors such as sweeteners or color additives
  • It has a cutting edge because it is made of natural products

 

Jeunesse Reserve Ingredients

  1. Blueberry concentration
  2. Resveratrol
  3. Dark sweet cherry juice concentrate
  4. Blueberry juice concentrate
  5. Concord grape juice concentrate
  6. Pomegranate juice concentrate
  7. Mulberry extract etc.

 

About Jeunesse

Jeunesse is a company based in the United States, which operates in dietary supplement and skin care product industry. The firm was established in 1999 by Wendy and Randy, who wanted to solve some of the problems that face people around the world today. Some of the challenges they realized included premature aging and low nutrient uptake. To reverse the trend, Randy and Wendy adopted innovative measures to develop natural supplements and natural skin care products. Their properties are geared towards eradicating the physical properties of aging such as wrinkles, black circles, and fine lines. Their nutritional supplements are used to lower fat content in our bodies while at the same time increasing muscle formation.

 

https://www.glassdoor.com/Reviews/Jeunesse-Reviews-E613653.htm

The Usefulness of Social Media With Market America

Business, CEO, Entrepreneur, Financial

Social media has become one of the most common aspects of business. For one thing, it has become the internet version of life. People are always on social media posting about their activities. While some people are concerned about the negative effects of social media, Market America and internet marketers have seen the benefits of social media. Therefore, they make it a point to use it to their advantage. Even jobs are affected by social media. People can lose their jobs because of what has been posted about them on Facebook. However, entrepreneurs can thrive off of social media platforms.

One thing that Market America does with social media is connect with people through LinkedIn. One of the advantages of LinkedIn is that it gives people recognition as professionals. Of course, entrepreneurs do not have to limit themselves to LinkedIn. As a matter of fact, people who are trying to market for Market America are going to have a better time if they use some of the more leisure based social media platforms where people are less formal. They can hold conversations and talk with customers about the latest promotion. This can attract customers from the platform and bring in profits.

There are many different methods for Market America users when it comes to social media. The most recommended method for making money with the use of social media is engaging with the customers and slowly building the brand and the trust. Once enough trust is built, then the business owner can enjoy some of the greatest profits. The only thing that the person needs to do is make sure that he is reaching the group of people who like the product and similar products but does not have the particular product that is being marketed to them. In this case, it is a good idea to go for the newer products.

https://www.crunchbase.com/organization/market-america

Aloha Construction, Inc. Receives Well Deserved BBB Torch Award

Architect, Architecture, Business, Business Expert, Home Repair

Lake Zurich’s Aloha Construction has received the Better Business Bureau’s prestigious Torch Award for Marketplace Ethics. This incredible honor is presented to companies that demonstrate high ethical practices and social responsibility within their communities. This company has been proudly serving the Lake Zurich and surrounding areas roofing and siding needs for the last decade. The award highlights the ongoing commitment of the company to bettering the community in which they serve.

Since 2008, Aloha Construction has provided excellent service to their customers. The company offers free annual roof inspections and will walk customers through the financial side of the process as well. A quick search of the company reveals many satisfied customers who report quality and efficient work. They continually show their commitment to their customers and willingness to stand by their work by offering their 10-Year Craftsmanship Warranty.

Lead by CEO Dave Farbaky, Aloha Construction strives to give its employees complete training and permanent positions within the company. Workers report an atmosphere of respect for both management and the crew. The company also offers rewards for high performing employees, such as the annual week long all expenses paid resort trip to Maui, Hawaii.

Over the last decade, Aloha Construction has become a charitable pillar within the local community. The company continues to give back to the community by sponsoring many various sports teams over the years while also partnering with charitable organizations. Recently the company partnered with OMNI Youth Services to send a twelve year old boy with congestive heart failure and eleven of his friends to a Chicago Bulls game. The company also continues to be involved with local food drives and churches.

Aloha Construction continues to be a valuable asset in their community by providing exceptional service to their customers, a superior work environment for their employees, and invaluable support to local sports teams and charities.

https://patch.com/illinois/lakezurich/directory/listing/34245/aloha-construction

A look at one of Brazil’s high profile business men, Roberto Santiago

Business, Business Leader

Roberto Santiago is an all rounded man whose business acumen certainly stands out. His brainchild, Manaira Shopping Mall is sufficient proof of his entrepreneurial prowess. Roberto is a man whom other investors have described as the symbol of perseverance and a relentless dream chaser. These are the qualities that have pedaled him to the top. He is unquestionably the most prosperous businessman around Paraiba and Brazil to a large extent.

 

Schooling

 

Roberto Santiago initially attended the Pio X-Marist College for his first undergraduate degree. That was not enough for a highly ambitious Roberto who had in the process realized he was better in business. Consequently, he joined the University Center of Joao Pessoa to enroll for a Business Administration degree.

 

After his graduation, Roberto sought for employment and landed a job at Café Santa Rosa. Roberto displayed sharp learning skills and while at the job he learned the dos and the don’ts of running a successful enterprise. He accumulated some savings which would be very crucial in the future when he would decide to venture out solo.

 

Industrialism

 

Roberto established his first company soon after relinquishing his position at Café Santa Rosa. His company would make cartons from cardboards and sell them to companies. He also manufactured other packaging materials. The company started making profits and in the year 1987 Roberto had accumulated enough funds to purchase a prime piece of land in his native area Joao Pessoa. And this is the land that Roberto practically built his dream on because twenty-four months later his Manaira Shopping Mall would stand on the same piece of land.

 

The Manaira Shopping Mall is what you would call Roberto’s flagship project. Its towering architecture is representative of Roberto’s creativity. Essentially Manaira shopping mall is the embodiment of celebration in Paraiba. The mall is home to eleven cinema halls structured with elegance second to none. Also in the mall sits a gaming paradise with over two hundred state-of-the-art gaming machines.

 

Touring the mall will paint the impression that its founder must have been a very experienced and tough businessman who maybe has done this type of projects before, but that is actually not the case. Roberto established the mall while he was thirty years old. Roberto is living proof that determination pays off since his first idea was catastrophic. He, however, did not choose the easy way out or let this deter him and it is through this persistence that the Manaira mall was born.

More about Roberto Santiago

 

Born in Joao Pessao, Roberto is a renowned Brazilian native with top notch entrepreneurial skills. Roberto believes in hard work and personal discipline but is also glad to give credit to others. He attributes and shares his success with his employees and partners.

 

Roberto is an avid sports lover and has received a number of awards in various competitions. Roberto believes in mentoring the young and encourages young men in Brazil to not give up on their ambitions. He believes Brazil is a fertile land for the young people to plant their dream and supports them in any way he can so they can achieve greatness like he did.