Category: Business


Published / by CapaConf

In a recent talk with CNBC, Jed McCaleb, the founder of Stellar CTO Mt. Gox, said that he predicts a single payment, Blockchain powered system for the whole world. Stellar is a Blockchain powered global payment system using digital tokens same as the Ripple. Jed McCaleb went further by stating that there is going to be an operable global payment network shortly. There is also a chance for hybrid system facilitating payments of fiat currency with the help of Blockchain.

South Korea has already lined Ripple up with Woon Bank for the execution on a commercial level in late 2018, stellar is under consideration by legal, financial corporations as part of a fundamental shake-up of their payment methods. Jed McCaleb said that Stellar’s blockchain innovation could power a Universal Payments Network that processes payments and also traditional assets such as shares as well as stocks.

Before its recent drop to 0.2512, the (XLM) the stellar Lumen had been thriving for quite some time. Its latest adoption of the lighting network assisting in the neutralization of future drawbacks has greatly aided in the lead of press coverage.

Jed McCaleb who has been a crypto designer for quite a while has anticipated Stellar’s innovation will change worldwide financial systems inclusive of payments, fundraising and stock markets by the year 2028. With a resume that incorporates the creation of the Mt. Gox Bitcoin as well as the Chief Executive Officer of Stellar, makes it hard to ignore him. What’s more, with the ongoing marvel of ICOs (Initial Coin Offerings), Jed McCaleb states that the financial framework does not directly tap the market.

The financial research organization, Autonomous Next reports these ICOs have assisted in the raising of almost $9 billion in barely over four years. However, the prevalence of ICOs has additionally observed the frustrating growth in numbers of fraudsters exploiting the innovations in raising funds as well as leave investors oblivious without their money. This movement has pulled in the attention of controllers from around the globe, yet supporters of token deals contend that they act on behalf of a fresher way of fundraising. Jed McCaleb on LinkedIn.

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GreenSky Credit takes definitive lead in fintech

Published / by CapaConf

Overall, the fintech space has had a rocky ride since its inception more than 20 years ago. In recent history, companies like OnDeck and Lending Club have performed horribly, with their stocks both down around 85 percent over the last few years. It would seem, then, that any investor looking to take advantage of potential fintech IPOs should exercise extreme caution at a minimum and stay out of the game altogether at a maximum.

But there’s one fintech company that has done well enough to restore the reputation of the entire sector. GreenSky Credit, founded in 2006 by former child prodigy David Zalik, has enjoyed tremendous success by essentially rejecting the entire philosophy of most companies in the fintech industry. Zalik first had the idea for the GreenSky Credit business model while working on an e-consulting company that had many accounts with major retailers, such as Home Depot and Benjamin Moore, that operated in the home-remodeling space.

Zalik saw that there was a need for medium-term and short-term bridge financing — not for professional contractors and real estate developers, who often have access to sophisticated credit facilities, but for average Americans who simply want to add a sunroom or remodel their kitchens. The problem that Zalik saw again and again was that customers with no experience in contracting or remodeling were going on line or into stores and trying to estimate what a remodeling job would cost. Too often, it turned out, they would wildly underestimate what the true costs of completing a job would be. This sticker shock would then cause the deal to fall through.

With GreenSky Credit Zalik was able to create a loan-underwriting interface that matches merchants in the field with some of the largest lenders in the country. In doing this, the merchants are able to offer promotional financing to customers on incredibly good terms. Common loans involve no payments or interest for an entire year. Because the majority of the GreenSky Credit customers taking the loans have excellent FICO scores, they almost uniformly pay back the loan before the higher rates kick in. And the lenders rarely have to deal with delinquencies or defaults.

National Steel Car And Gregory Aziz

Published / by CapaConf

There is a top leading company in producing and manufacturing railcars and the name of that company is National Steel Car. It is not just one of the countries, but one of the world’s leading companies. It is located in the town of Hamilton, Ontario. Who is responsible for it? The answer is none other than Gregory James Aziz.


He is, in fact, the Chairman, President, and Chief Executive Officer of the company. It is because of him that the company has risen to success in recent years. He took National Steel Car when it was barely producing 6,000 railcars every couple of years and raised that number to 12,500 railcars being produced and manufactured annually. With that number rising, the need for employees also rose. In a time of bleak futures and a job market that was very low and unstable, he created several new job opportunities.


The employment base at his company started at 600 and that number rose to 3,000 workers that were employed by the year 1999. Gregory James Aziz, also known as Greg, had a good childhood with a family that instilled in him the value of hard work and pursuing your dreams. Greg took note and when he graduated high school, he decided he wanted to attend Ridley College. He spent his days there studying and learning. Aziz discovered he had a passion for business and the distribution of goods. He moved on to the University of Western Ontario and majored in economics.


He thrived in the university and graduated. With his strong educational background, he decided he would partner with his family in their food business and help them out the best he could. He was able to expand their business, Affiliated Foods, and they began being able to distribute fresh food to markets in the United States and Eastern Europe from countries such as South and Central America.

Satisfied he had helped them achieve success, Greg Aziz moved on to pursue other dreams. He moved to the United States and began working. It was from here he was able to organize the purchase of National Steel Car in the year 1994. He took the little company and turned it into a huge success. Today he manages National Steel Car but also enjoys spending time with his wife Irene and his two daughters who have, no doubt, been huge supporters of him and have kept him motivated along the way. See This Page for additional information.


Great News from Elysium Health You Need to Hear

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Elysium Health is a health company  that was co-founded in 2014 by MIT scientist Dr. Leonard Guarente. He also serves as the director of the Paul F. Glenn Center for Biology of Aging Research at MIT. Elysium Health is working to translate advances in science and technology into clinically-validated health products that work. To do this, the company works with world-class scientists scientists and clinicians from academic institutions such as Harvard, Yale, and Stanford. These scientists guide the direction of the company and its research.  

Elysium Health makes a supplement called Basis, which is based on 25 years of aging research. Basis is made up of two ingredients, pterostilbene and nicotinamide riboside. The combination of these two elements is proven to  to increase and sustain levels of NAD+ in our cells. NAD+ is a coenzyme found in our cells that is required for many of our cellular functions, including energy creation, circadian rhythms, and DNA health. Our levels of NAD+ decline naturally as we age.

Elysium Health decided to put Basis through a clinical trial in order to ensure its effectiveness. The results of the study, which were published in the online peer-reviewed science journal npj: Aging and Mechanisms of Disease, proved that Basis increases and sustains NAD+ levels in humans by an average of 40 percent.

You may now purchase Basis for yourself through the Elysium Health website whenever works for you. You can also choose the number of pills you would like to receive and for how long. In other words, it is a total customizable plan that can work well for you. Check it out today to start working on better cellular health for yourself.

To sell Basis in stores, Elysium Health has partnered with the tech retailer b8ta. Pick up a jar of Basis while discovering other unique products at one of b8ta’s locations now until the end of June.

From Doctor to Business Man

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Even though the doctor and entrepreneur, Dr. Mark McKenna, started out his journey through medical school he didn’t end up working in that field. Not only did he dip his toes into the realm of flipping real estate but he also started his own business. There were many ups and downs during his lifetime of working but this new business he is creating seems to be the most successful yet.

In the beginning Dr. Mark McKenna’s business of flipping houses in New Orleans, LA was turning a lot of profit. But, unfortunately nobody could have foreseen the devastation that Hurricane Katrina would have brought upon the city. Even though he tried to keep his business prospering through all of that, one thing he couldn’t keep it through was the collapse.

After Dr. Mark McKenna decided to wash his hands of that investment he turned his sight towards something different, after all he did have a doctorate degree. So he decided to set his sight on the new town of Atlanta, GA and open what he called a “fee-for-service” medical practice called ShapeMed. What that means is you were paying for exactly what you got with more focus towards wellness and aesthetics.

Although this business did very well, eventually, Dr. Mark McKenna decided to sell his business to big private equity firms. The business he is working on developing now called, OVME, is said to be going to be a huge success. Dr. Mark McKenna plans on trying to bring the availability of getting something like Botox right to your home using an app. People would be able to use this app from anywhere in the US.

Only time will tell how this new business venture will take off. But it Dr. Mark McKenna is a great example of how you can constantly grow yourself. He started out doing something as simple as flipping houses and eventually formed his own business that bring his medical background in sync with the business aspect.

Putting Your Energy In One Bulk Order

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There’s a bulk order waiting for you, and the package is energy. It’s true; you can comprise all of your energy into one source and not have to worry about paying more. Understanding why you can pay one bill for numerous energy sources is important. The world has changed and has become more energy conscious.

There are service delays, hidden fees and costly installations when managing all of your energy through multiple providers. This is why Stream Energy built an infrastructure to get society out of energy inefficiency. The efficiency of energy can only be found in one bill that covers it all.

We have that opportunity here for you today with Stream Energy.

More Than You Can Now Handle

Let’s consider what it’s like to pay one provider for our gas, electricity, phone, T.V. and even emergency medical services. Let imagine what it’s like when we can use all of these energy sources while having them active at the same time and every time. This means your financial responsibility comes once a month.

Failure to any of your Stream Energy sources is now handled by one professional who knows your power and consumption. Your new installations will occur through the same operators, and as we recognize you. Multiple energy outlets is more than what anyone needs to handle, so take your time in making the final upgrade to one.

A Simple Solution As You Take A Simple Step

The simple step you now take is to consolidate. You’re living in a new world. The slow, cumbersome and tedious processes are no longer delaying your energy use. Everyone must connect to energy in a different way now, and doing it through Stream is to embrace the future and a life with much more ease.

Find out about our specials, and get in touch with an operator today.

Stream Energy is an open agency that cares about its energy consumers and works to perfect every package sold. There’s a new world to uncover with how you use energy. Getting your start today brings your ease of life to full closure.

Gregory Aziz: Figuring Out the Impossible and Doing It

Published / by CapaConf

It’s difficult taking over a company that already has a well-established reputation. The older the company, the harder it is to successfully lead it into the future. There are many contributing factors that have to be considered at the same time.

If anyone’s thinking about joining a company that’s been around for more than 100 years, it’s not easy to take a management position. Companies that old have their rules and standards that every new manager must adhere to. At the same time, it’s important to bring their own flair to the company.

Trying to figure out how to introduce new ideas without stepping on anyone’s toes is nearly impossible. On one hand, the new idea might work out and earn that person a promotion. On the other hand, the idea might go against what the company believes in without realizing it.


It’s important to find that perfect fit when choosing a new CEO. CEOs, in particular, have to consider a lot before making any changes, major or slight. If they make the wrong the choice, it could affect the entire corporation and damage the company’s long-standing reputation. It’s almost not worth the risk. Get More Information Here.


Fortunately, this is not something that Gregory J. Aziz had to deal with when he joined National Steel Car. He joined and immediately noticed how much everyone wanted to be there, and how much the company enjoyed having everyone there. That’s something that’s easy to capitalize on without making drastic changes that dishonor the company’s founding values.


Luckily, National Steel Car values its workforce as much as Greg Aziz. James Aziz began making changes that affected the employees in a positive way. By lifting their spirits and making them valued members of the company, productivity and efficiency increased ten-fold.


Under his leadership, the company experienced more success than ever before. National Steel Car was already one of the leading manufacturers of steel cars, but James Aziz made them the first ISO certified manufacturer in North America. Little changes brought big success without very much effort on anyone’s part.


That’s the genius that is Greg Aziz. He figured out how to perfect the company’s already perfect record and developed more innovate products at the same time. The company’s customer base has grown exponentially.


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Shervin Pishevar says Fed will start QE4 if markets don’t normalize

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Over the last five years, the Dow Jones Industrial Average has soared to record valuations. This is not just true in terms of real dollar amounts. It is also true in terms of the values of stocks relative to their earnings. The current Schiller P/E ratio, a measure of how much stocks are worth versus their average earnings, is currently at the near-historic high of 33.

Through all of this, the question that many are asking is if there is currently a bubble in equity valuations. One clue that such a bubble may indeed exist is the fact that the market recently underwent a 2,500-point correction over just a week’s time. Shervin Pishevar, one of Silicon Valley’s foremost financial experts, said that the sudden drop in the Dow Jones was in response to just a few-basis-points uptick in interest rates. This, he says, indicates that the market has become exquisitely sensitive to even the smallest variation in interest rates.

But Shervin Pishevar says that this leads to some deep concerns about where the market and the economy as a whole are ultimately heading. Shervin Pishevar believes that the Fed’s planned winddown of its entire balance sheet could precipitate interest rate increases of up to 3 or 4 percent. This, he says, could result in a catastrophic market correction of as much as half of its value.

Shervin Pishevar believes that the Fed will not let anything like that come to pass without completely reneging on its promise to reduce its balance sheet. For this reason, he says that a renewed round of quantitative easing is likely in the event that the market corrects by a large amount. But Pishevar warns that the next round of quantitative easing is unlikely to be as effective as the first round. That is because the Fed will be expanding its balance sheet and allowing the federal government to increase its own debt cheaply by such a wide margin that it may begin to exert serious inflationary pressures on the dollar. This could result in major inflation, including the possibility of runaway or hyperinflation.

From The Oil and Gas Ashes Grew Obsidian Energy Ltd

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Penn-West was a medium sized oil and natural gas producer headquartered in Calgary Canada which was formed in 1979. Due to a reorganizational change, Penn-West not only changed its name, but the company changed the way it operates. Obsidian Energy Ltd., is the new name of what is now a global energy company which is growing exponentially in other acquisitions, petroleum and gas explorations, and varied fuel developments.


With the restructuring of Penn-West to Obsidian Energy, the oil rich territorial coverage extends from the eastern and western Canadian areas into the United States, covering much of the state of Montana. Naturally there were many other evolutions like a different New York Stock Exchange and Toronto Stock Exchange logo and decisions to make in how and in what direction Obsidian is to grow. The company also changed how they will conduct business so that its industry symbol will be one of safety, strength, and a better run organization.


Other shareholder approved changes included a new executive compensation package, the reduction of Penn West shareholder capital revenues, and various amendments. David French is the President and Chief Executive Officer of Obsidian Energy. He spoke very positive about the company’s future which he says will be based on the principles of discipline, value-entrenched technical and commercial value, and the progression of innovation. Mr. French further said that the new reorganization will produce transparency with partners, shareholders, and the communities in which the company is operating in. Go To This Page for more information.


Mr. French stated that Obsidian Energy Ltd., is already designed with a healthy actuarial strategy that brings stability and better prices in this financially and energy driven environment. David says that the company carried a debt level during the restructuring. However, based on the recent daily barrel extraction numbers, there is vast improvement. The name Obsidian has meaning for the new company. Obsidian is a natural volcanic glass that is easy to be sharpened with a keen edge. Like the new company, everyone has survived many obstacles to become a sharp focus in the industry. Obsidian management believes that its oil and gas exploration production will continue to grow by five percent for year 2018.


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The Reasons Waiakea Water is Becoming a Staple for Eco-Conscious Consumers

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There is regular bottled water, and there is Hawaiian volcanic bottled water. To the uninformed there may be no difference between the two bottles, except the name, but there is more than what meets the eye. It is hard to imagine a time when bottled water wasn’t sold. There are many choices to choose from, but Hawaii volcanic water represents one of the most interesting options for a number of reasons. (Read more about Waiakea Water on 10 Best Water: Volcanic)


The water industry is crowded with competitors, which has led to a number of companies offering customers all sorts of perks. Some companies sell water with added vitamins. Others sell water that was filtered with the latest scientific gadget. Waiakea Water is different because it is not selling water that was treated with something unnatural, and the company is committed to the environment.


Waiakea offers naturally balanced water, which is sometimes just referred to as Waiakea water pH water. The company bottles its water in Hawaii, which makes it special. The filtration process that this water goes through is nothing short of a miracle. It is not based on science but on nature since it uses 14,000 feet of porous, volcanic rock to filter its water.


The water comes with a number of natural volcanic water benefits due to its natural pH balance. Most American diets contain food that makes the body a little too acidic. This could lead to a number of health issues mostly related to energy problems along with others. Drinking water with a positive pH value helps bring balance to the body, making it a little less acidic. Visit This Page for more information.


It should be noted that the Waiakea Water company also offers a new kind of degradable water bottles. Most plastic bottles take centuries to degrade, but Waiakea’s bottle only takes 15 years to break down into the earth. This is great for the environment and should make eco-conscious consumers feel better. Waiakea prides itself on using high-grade 100% RPET, or recycled polyethylene terephtalate, for all of its bottles. RPET is post-consumer recycled plastic and has incredible environmental advantages.


Those who were wondering why this company is making such a splash now know. The company really thought about its customers and the environment. There is no telling how far this company is going to go, but people should pay attention to the brand.


Waiakea Water has also won awards in the industry including Good Morning America and the World Beverage Innovation Award.