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.

https://www.forbes.com/sites/laurengensler/2018/04/03/financial-technology-company-greensky-ipo/#304e80ac5ede

Frontera Fund Finances Organizations Fight for Migrant Rights

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The origin story of the Frontera Fund is a very interesting tale. The fund supports advocate groups for civil, human, and migrant rights. It is a subject made all the more important by the current hullaballoo surrounding illegal immigration. Founded in 2014 by Phoenix New Times co-founders Michael Lacey and Jim Larkin the fund is legacy-making insult to Joe Arpaio.

During his tenure as Sheriff of Maricopa County, Arpaio caused much controversy in his methods to stem illegal immigration. Many called his tactics unconstitutional, chief among them Michael Lacey and Jim Larkin. The duo chased down every story they could find about the Sheriff, peppering his reputation with numerous scandals and allegations.

When he began investigating them the duo decided to print a confidential court-ordered subpoena. As this was a criminal violation Arpaio had the duo arrested. The arrest led to a wrongful arrest lawsuit, which then led to a $3.75 million dollar victory for the duo.

They turned around and used the settlement to create the Frontera Fund. Now they support groups who actively fight the legacy left by Arpaio, using money they won at his expense.

The Frontera Fund is a stern advocate Latino groups that fight for human, civil, and migrant rights. It supports numerous organizations, giving them the money they need to continue their work. The only requirements is that they be Arizona-based, and that the groups advocate for Latin-American communities.

The ACLU of Arizona

The AZ ACLU was created in 1959. In its long tenure it has accomplished many notable victories. A supporter of human rights, the AZ ACLU fights Arizona Laws that unfairly single out minority groups. It has successfully made many laws unconstitutional. Currently it defends worker’s rights to free speech, and ensures fair legal representation. Read more: Lacey and Larkin Frontera Fund and Michael Lacey | LinkedIn

The AZ ACLU is the group that famously defended day laborer Ernesto Miranda in the case that led to institution of Miranda rights. They are always present in cases that fringe constitutional rights, fighting the good fight for minorities across Arizona.

The American Immigration Council

Based in Washington D.C., the American Immigration Council educates people on the topic of immigration. They show the history and struggle of the American immigrant in order to teach people about their plight.

The hope is that through such knowledge people will gain a better understanding of immigration, leading to a different course of action. The American Immigration council also advocates legal programs to assist immigrants’ treatment by the law, as well as policy programs to better the quality of life. Learn more about Michael Lacey and Jim Larkin: https://en.wikipedia.org/wiki/Village_Voice_Media and https://en.wikipedia.org/wiki/Phoenix_New_Times

By supporting these two groups the Frontera Fund fights for civil, human, and migrant rights. Ensuring that the Latin community of Arizona get a fair shake. Their advocacy has made life better for many, championing human rights and raising awareness.

How To Effectively Destroy A Walled City Or A Fortress With A Trabuco

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Medieval generals had to figure out the best way to defeat their enemies. One of the toughest challenges they encountered on the battlefield, was trying to overtake a walled city or an impregnable stronghold. A general had to have patience and a lot of man power to overtake these two positions. However, if they had certain types of war machines and siege weapons at their disposal, they would drastically improve their chances of success.

 

Armies that had a Trabuco, usually associated with the French’s Trebuchet, in their arsenal would use it to hurl large stones or other types of objects into enemy walls. They also fired objects directly at the people. Some generals would shoot darts, metal shards and even fiery pitch onto the enemy’s heads.

 

Meaning “sling” the Trabuco went through three stages of development. Invented in China one source states that the Tensile Trabuco wasn’t mentioned in Chinese records until the Thirteenth Century. Another source claims that the Wujing Zongyao a record of Chinese Military affairs written in the 1040’s mentions a Trabuco that required a crew of 250 to launch a 140 lb. missile. Produced in different sizes the smallest of Trabucos required a two-man crew.

 

There were teams of men who operated the Trabuco. These soldiers were siege engineers and artillery personnel. They would transport, set up, operate and breakdown a Trabuco. They knew exactly where to fire huge stones and how to consistently badger the enemy. Generals would consistently attack a fortress wall in the same spot.

 

One of the best things about the Trabuco was its ability to fire rounds from a distance. The long-range attack methods that could be employed by the Trabuco helped to save lives. They could easily defeat enemy soldiers or cause them to quickly surrender.

 

The Trabuco was an intimidating weapon on the battlefield. It is a known fact that many lesser equipped armies feared for their lives when they saw this weapon in action.

 

A smart general knew how to effectively attack enemy positions with the Trabuco. One effective strategy was to block off the roads and exist points of an enemy’s position. This way they could starve or cut off the supplies of the people they were trying to conquer. A good general would have also known how to simultaneously use an artillery attack while using their foot soldiers to infiltrate from another direction. Go To This Page for additional information.

 

Knowing how to effectively assault an enemy force or position with a Trabuco was an important part of being a good military leader. A Trabuco was often necessary for generals who wanted to gain victory. They could destroy enemy walls, buildings, troops and forces and ultimately win the war.

 

See Also: http://pt.bab.la/dicionario/espanhol-portugues/trabuco

Southridge Capital: Re-energizing Financial Services

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Southridge Capital LLC is helping to re-energize the financial market with its innovative and tailored approach to financial services. Over the past two decades this structured finance group has invested over $1.8 billion into over 250 publicly traded companies globally. Southridge boasts a unique understanding of the complex issues facing growing companies derived from their years of experience advising on a vast array of corporate issues, ranging from the process of becoming a public company to optimizing balance sheet management and even helping companies to navigate and restructure their way to recovery after a bankruptcy.

 

Base on newswire, the company’s customized approach to structured finance is centered around three areas of focus; securitization through the monetization of a company’s existing assets, credit enhancing by dealing directly with a company’s creditors to eliminate debt with as little market impact as possible, and financing solutions as well as the knowledge that companies in need of capital often aren’t taking advantage of all available opportunities. Notably in 2012 Southridge provided financing solutions in the form of a $10 million equity purchase to eLayaway, the prominent technology and brand management company behind eLayaway.com. ELayaway’s payment platform has a pipepline of over 300 merchants and partnerships that allow retailers to expand their consumer bases by offering flexible payment plans. The equity purchase agreement with Southridge provided them the opportunity to raise the capital they needed to provide and expand their services without regard to market conditions.

 

Founded by Stephen M. Hicks in 1996, Southridge Capital LLC has spent the last 20 years financing and advising over 250 companies. The management team, led by Hicks, himself an expert in financial structuring, derivatives, risk arbitrage, and investment banking, is bolstered by an array of industry expertise from the hands of his surefooted executives. Henry B. Sargent, Southridge’s COO and General Counsel, Narine Persaud, Controller and CFO, Linda Carlsen, Portfolio management, and Director of research Laurence J. Ditkoff, all work together to customize financing solutions for their clients and “execute on those plans without fail”.  For more details you can visit their twitter page.

 

 

Southridge Capital, along with it’s founder have also sought to improve the world through charitable contributions, volunteer work, and community leadership.

Stephen Hicks and his wife Mary formed the Daystar Foundation in 1998, which helps to support numerous charitable organizations. Hicks has stated that “Supporting meaningful causes is not only a personal mission that we find extremely fulfilling, but also a corporate and social responsibility.”, a sentiment that they hope will both strengthen the firm and have a positive impact on communities and society at large.

 

 

Reference: https://www.southridgeholdingsllc.com/social-awareness

Jason Hope continues contributing to science and technology

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Although not a household name, Jason Hope ranks as one of the most prolific entrepreneurs in the state of Arizona. He has been behind the formation of some of the most innovative companies in not only the state’s history but also that of the entire country. Hope has been behind the formation of such companies as Jawa, the first mobile premium content streaming service. In this endeavor, he was able to beat Apple to the creation of this business model by more than 10 years, proving him to be one of the most visionary entrepreneurs of our age.

Hope has also been responsible for the creation of many other highly successful startups. These have ranged from business-to-business application developers to web design firms. Today, Hope has largely stepped away from his incredibly busy and stressful schedule running his media empire. Now, the inveterate entrepreneur prefers to spend his time writing and blogging for various tech outlets. Hope has focused on the coming revolution that will be ushered in by the advent of the Internet of Things as well as the incredible advancements that will soon be taking place within the realm of medical technology.

As part of this vision, Hope has recently announced that he will be donating more than a half a million dollars to the SENS Foundation, one of the most important and cutting-edge research institutions in the United States today. The SENS Foundation was founded more than 10 years ago by one of the most prestigious gerontologists in the world today. Aubrey de Grey has won various awards for his insights into the aging process. Among his many discoveries, Aubrey de Grey has been able to isolate and identify seven distinct features that occur as all cells age. This insight into the aging process at the cellular level has laid the groundwork for research that may someday allow for the vast majority of people to live well past the age of 100.

For his part, Hope has said that the money that he has donated will be used primarily for atherosclerosis research. While atherosclerosis is one of the deadliest diseases in the United States today, killing more than 500,000 people each year due to conditions such as heart attack, stroke and other diseases related to venous insufficiency, Hope believes that understanding the inflammatory processes that underlie this condition will eventually lead to a much stronger universal understanding of the aging process itself.

For details: www.theinternetofthings.eu/jason-hope

Top three tips for early retirement by David Giertz

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David Giertz is a proficient financial advisor with extensive experience of over 30 years. He is a graduate of Millikin University and the University of Miami with a BS and MBA respectively. David began his career as a Financial Services Advisor and rose through the ranks due to his exemplary work. He has been president of various organizations including Nationwide Financial Distributors Inc., Nationwide F1 Distributors Agency Inc. and Regional Vice President of Southeastern USA, boosting their income progressively. He is a qualified business coach who has inspired and coached many leaders as well. Below are some tips for retiring early by David.

  1. Save enough money

While still holding on to your jobs, David Giertz firmly encourages people to have savings accounts and save too. There is no limit to how much you can save because you have no idea how much money you will require after calling it quits. David recommends people to save up to ten times their yearly income. Following this program will find you with up to 15 times your salary saved up even after five years of early retirement.

  1. Have a flexible retirement plan

A well thought out plan comes in handy if you don’t want to be in a crisis in the first few years of retirement. David cautions people to choose the right retirement accounts that don’t incur any penalties on clients when early withdrawal is made. Roth IRA is a flexible plan, but it is limited to people with income less than $118,000 yearly. The other two are the 401(k) and 72t rule plans that help people who want to retire early with minimum conditions.

  1. Invest

David advises people to invest as it boosts possibilities of early retirement. Splitting your savings into a retirement and after-tax accounts whereby you can invest money in after-tax accounts and make withdrawals anytime without penalties. Health investments are also a thing to consider because the savings will cater for your medical bills in the future.

In a nutshell, consulting a financial adviser is a bold step towards making retirement plans. There are more aspects to examine before retirement because savings alone cannot be depended on. Unexpected as well as lifestyle expenses use up most savings. Thus, a well thought out plan for retirement will have you covered.

National Steel Car And Gregory Aziz

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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.

Source: https://www.steelcar.com/

How Nick Vertucci became Founder of NV Real Estate

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Nick Vertucci is quite an exquisite man to say the least. He founded NV Real Estate which started from a very humbling past. As the common rags to riches stories go, Nick Vertucci did not start in a very wealthy family. His family always struggled to make ends meet and the situation never seemed to get any better. When he was only ten years old, his father passed away. To most people this might look like the end of everything. How could he endured such sadness, especially at such a young age? Well, by the time Nick Vertucci was eighteen he had already started his own business and specialized in selling computer accessories. This business however, came to a screeching hault in 2000 when the big computer scare went viral.

After his first business went up in the air and was far from sight, he started a new interest. The new interest was in real estate. Nick Vertucci realized that real estate was the way to go with his businesses and so this is where it all began. He knew that people would always need a place to live and there for, there would always be a demand for living places. He also kept in mind that as cities and towns grew in population, demand for living would increase, therefore yielding much higher profits through real estate.

Nick began training as a student in the real estate industry. He learned many skills from buying small houses to repairing old creaking houses. He had doned it all and found the perfect way to turn his bank account from an empty space to a flourishing spring of never ending money.

From all of the skills Nick had picked up along the way, he decided to go out on a limb and introduce NVREA. It’s now his real estate training company. He still currently works on the company day in and day out in the hopes of teaching many others the skills necessary to succeed in real estate. He has said that teaching will provide greater money than using that skill by yourself.

Chainsmokers, Poems Of Virtue

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The Chainsmokers undoubtedly tout themselves as above average musicians who allure the fans whom come into contact with their sound waves of interesting and audible electro pop masterpieces. They have delved into massive amounts of work to achieve what it is that they set out to achieve, but it did not just happen over night, nor did it just fall into their laps. Alex Pall and Andrew Taggart both came from humble beginnings in their venture out into the lands of I Heart Radio and massive tours full of serious and musically clever indie fans. The pair did not even initially meet from the beginning of the Chainsmokers as a whole band. The identity and self preservation of the duet happened after an initial band member decided The Chainsmokers was not for him, and consequently the new band member was replaced by Andrew Taggart who hailed from Maine. They fit just right in the whole scheme of things and produced a lot of really talented and curiously beckoning electronic music to the world like Selfie, Roses, and Closer. As time revealed itself though Alex Pall and Andrew Taggart released a track which directed itself contrary to the patterns of music streaming out from the hearts and souls of The Chainsmokers. This diversified song set took another turn in their single track Sick Boy which apparently was experienced as darker, more honest, and radically transparent compared to the other work they put out in to the open boundaries of the music industry. The song itself stemmed from a deep and unwavering place of frustration, anger, and grief over the state of social dynamics and how they negatively affected the people who misplaced the importance of getting likes on platforms such as Facebook and Twitter. Yet even though the song has tremendous amounts of direct communication concerning the mental effects of using the social media sites to the extent the social media actually starts begining to use people, fans and newly acquainted listeners are drawn in and even inspired by the poetic and lyrical boldness which was casted out into the otherwise unsuspecting world by Andrew Taggart and Alex Pall of The Chainsmokers.

 

https://www.axs.com/artists/252102/the-chainsmokers-tickets

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.

http://time.com/5159879/is-an-anti-aging-pill-on-the-horizon/