GreenSky Credit offers high-end loans for high-end borrowers

The fintech industry, like so many other tech fields, had a nasty fetish for inclusion that has nearly destroyed it. Companies like OnDeck and Lending Club built their entire business models around inclusive finance, such as community reinvestment, NINJA loans and micro-lending.

While the sentiments that underpin these quixotic efforts to change the basic laws of finance and human nature may be laudable, the end result of believing in financial fantasies is always financial ruin. And this is precisely what has befallen OnDeck and Lending Club, with both companies trading at just fractions of their all-time stock highs and with many observers predicting liquidation for both firms.

GreenSky bets on exclusive loans

But while its fallen competitors were tilting at imaginary windmills, GreenSky Credit was building a viable business around proven money-making techniques. The company opted to go after deals where not just one party would make money, with the other being rapaciously exploited and left to the vultures. Instead, GreenSky understood that by excluding the vast majority of deals and the vast majority of applicants, it could create lending opportunities where the customers, the bank and the retailer all walked away huge winners.

GreenSky did this by concentrating on creating a technological interface that allows for retail customers doing high-end home improvements to instantly access financing in amounts up to the hundreds of thousands of dollars. The secret behind the company’s phenomenal success is that the firm only concentrates on the absolute top end of the prime borrower category. This typically means that GreenSky customers will have FICO scores of 760 and higher, making them highly attractive lending prospects for the largest and most respected lenders in the country.

Because the customers are so creditworthy, the lenders are able to extend loans on some of the best possible terms. The average GreenSky loan comes with no interest or payments required in the first year. After that, the interest rates can jump as high as 18 percent. But most of the company’s customers pay the loans off in full before the higher rates kick in.

https://www.indeed.com/q-Greensky-Credit-jobs.html

Adam Milstein: BDS Movement the greatest threat to Israel

The State of Israel has enjoyed great leaders. These are leaders who have stood strong and helped the Jewish community at the most opportune moment. Some leaders stood with the community when enemies had ganged up ready to eliminate the community. It is through great leadership that the community is still an independent nation surrounded by enemies in the Middle East. According to Adam Milstein, a Jewish activist based in the United States, the challenge that faces the Jews are far from over. The biggest threat to Israel right now is the BDS Movement. The Boycott, Divestment and Sanctions Movement is intended to reduce Israel economically as well as breaking the link between Jews in Israel and those in the diaspora.

Adam Milstein says that the BDS Movement has a very thin line separating it from anti-Semitism. Everything about this movement reads and smells of anti-Semitism campaign promoted under the guise of a rights movement. In recent years, the movement has been gaining popularity in the west, a factor that makes Adam Milstein consider it as one of the greatest challenges facing the community. To defeat the anti-Semitism agenda, there is a lot that needs to be done. The strength of the community is one of the ways that can help the community stand against the challenges caused by the BDS.

Adam Milstein thinks that the Jewish community needs to have great leaders all the way from the diaspora. As an activist based in the diaspora, he is trying as much as possible to bring changes that can positively impact the strength of the community. It is under his leadership as a Jewish activist that a lot of sensitization about the plight of the community has been outlined. He has shown that the war against anti-Semitism is still ongoing and the community should stay put and look for ways to solve this challenge. Adam Milstein believes the solution lies in the unity of all Jews.

As a way of ensuring that the future of the community is intact for a long time, he is encouraging education of the young people about their true identity as Jews. They should be in a position to rise and defend the community in the future.

https://www.bloomberg.com/research/stocks/private/person.asp?personId=22301067&privcapId=22300933&previousCapId=22300933&previousTitle=Hager%2520Pacific%2520Properties

Stream Energy Launches Charity Foundation to Formalize their Philanthropic Efforts

Stream Energy is an energy company that directly sells to customers. Pierre Koshakji and Rob Snyder founded Stream Energy in 2005 in Dallas, Texas. Since then, Stream Energy has become one of the largest energy companies involved in direct selling worldwide. Koshakji and Snyder founded Stream Energy on the idea of selling energy through word-of-mouth. They are able to do this now through their thousands of Independent Associates located across the United States. The company currently offers services in Texas, Washington D.C., Maryland, New York, New Jersey, Delaware, Illinois, Ohio and Georgia. They also offer wireless plans for phones, home services and health services.

Recently, Stream Energy was featured on Patch.com for their philanthropic efforts. In March 2018, Stream Energy launched their own charity foundation called “Stream Cares.” This is following their long history of involvement in their community and philanthropic efforts. The company has established relationships with Habitat for Humanity and the Red Cross. They are also involved in helping the homeless in the Dallas area. The company regularly tracks the homelessness rate in Dallas. They partnered with Hope Supply Co. a Dallas-based organization to cover entrance fees and meal costs for over 1000 children in Texas at the annual Splash for Hope event which is an event for homeless children at a local water park. Also, in 2016 after a devastating Tornado, Stream worked with the Salvation Army and raised money for those who lost their homes or businesses. They did this by matching their employees’ sales and doubling those numbers to donate to victims. Stream also partnered with Operation Once in a Lifetime to provide emotional and financial support to veterans in the Dallas area. They donated transportation to veterans so that they could attend a special lunch for them. Philanthropy and charity has long been a part of Stream’s culture and their new foundation simply formalizes their efforts.

https://mystream.com/services/home

Guilherme Paulus- Success in business operations

When it comes to issues of tourism in Brazil, there is no one better suited to do that work than Guilherme Paulus. He is the most successful businessman in the history of the tourism sector in the country. He has done very well in promoting the activities of the company he has formed, currently. He owns the biggest company in the country that offers tourism services. CVC Tour Company is currently the biggest tour company in the whole of Latin America. Through this company, he has given hope to the tourism sector in Brazil. Thousands of tourists are coming into the country because of the marketing done by CVC.

Guilherme Paulus has done a great job of building this company. He started it in 1972 without nothing. The capital to create was provided by a partner who later left the company for other businesses. After he was left alone, he had to find ways of maintaining business operations in the country. He did not give up on the dream he had, he went ahead and created the biggest tour company in the country. He has been promoting the operations of the company all over the world and in the process winning the hearts of very many people.

Guilherme Paulus is one person who has taken the mantle of leading a country’s tourism business. CVC is a clear manifestation of what one can achieve with the right commitment, he built this company without any connections in the government, despite the country being one of the worst in terms of running a business, Guilherme Paulus has defeated all the challenges. He is now running a multi-billion doll are business. Apart from the work he is doing at CVC, he also has another company that is offering accommodation services to the tourists all over the country.

Guilherme Paulus has managed to show the country that he has what it takes to offer the best services in the world. He is investing in the industry with the vision of helping the country and not for his own personal gains. He is currently worth over $1 billion.

Shervin Pishevar argues that 200-day moving averages may lose credibility amid rising interest

Shervin Pishevar is not exactly a household name. But the companies that the prolific venture capitalist and entrepreneur have founded and helped to grow certainly are. Shervin Pishevar has been behind the creation of some of the most important companies in the world of tech. These include such well-known firms as Virgin Hyperloop, Airbnb and Uber. Shervin Pishevar has personally founded companies ranging from WebOS to Social Gaming Network.

Although he has little free time, he somehow is able to maintain one of the most-followed Twitter accounts of anyone in the world of tech. Shervin Pishevar often holds forth on a wide range of topics, mostly centering on the economy and the role and future of technology in the United States.

In a recent 21-hour tweet storm, Shervin Pishevar described some of the effects that he believes rising interest rates will have on the equity and other markets.

Rising interest rates will mark a new era

One of the things that Pishevar has hit on is the fact that he believes that rising interest rates will usher in a fundamentally new era in all asset classes. He says that this may ultimately be a good thing, provided that the Federal Reserve is willing to completely butt out of the market and not take a heavy-handed approach to open market operations. But Pishevar warns that the short-term results of this reset will likely be painful for many investors. Although, such conditions are likely to result in many rich buying opportunities.

One of the problems that Pishevar sees is that continual interest rate hikes after such a prolonged period of virtually free money is going to send markets into a highly volatile period. He says that there is likely to be a serious correction and that some of the metrics that professionals use to judge the health of markets are likely to depart sharply from their historic norms. The 200-day moving average is just one of the measures that Pishevar says could end up seeing serious departures from its normal ranges as the market readjusts to the shock of dealing with more historically normal interest rates.

https://www.huffingtonpost.com/author/shervin-pishevar

Nevo Is The Energy Drink For A New Generation

The reality of being tired in the modern world is something that is simply a fact of life for most people. You know that you are sleepy and worn out all the time, but for the most part you would probably like to put these feelings behind you. It is now possible if you try out the new energy drink available from Jeunesse Global.

 

Jeunesse Global is a worldwide leader in some of the best health and beauty products that you won’t see on a typical store shelf. Instead, they work hard to make their products so unforgettable that you will not be able to resist trying them out and purchasing them time and time again from one of their sales representatives. They work with a whole network of them, and you may well know one of them even if you do not realize that this is what they do.

 

The product worth looking at today is the Nevo energy drink. It is an adventure into the energy drink market by a company that has always thought about health and beauty first and foremost. They know that there are some people out there who want to drink energy drinks but abstain from doing so because of the extra additives and such that are included in such drinks. They may still want the energy boost, but they would rather avoid all of those extras that can come with that.

 

Rather than subjecting them to more of the same, Jeunesse Global has produced the Nevo energy drink for those who want a little boost without added flavors, sweeteners, or artificial colors. Even better than all of that is the fact that each can contains just fifty calories. You can literally enjoy your drink without having to feel that you have busted the bank on your calories at the same time. That is a combination that a lot of people very much appreciate when it comes to their energy drinks.

 

You can speak with a representative who works for Jeunesse Global as an independent contractor to get your Nevo today, or you may visit their website to place an order.

 

https://jeunessegps.com/

Norman Pattiz – article recap

As a follow up to his plethora of achievements that include writer, producer, director and multiple Emmy award winner, Norman Lear now enhances his list with podcasting.

 

The 94-year old Lear, creator of classics “All in the Family,” “One Day at a Time,” “The Jeffersons,” and more, will add his voice with a weekly podcast. Actor and composer Paul Hipp and Lear’s friend will take part in the podcasts with him.

 

Norman Pettiz, PodcastOne founder and executive chairman, said he has a high regard for Lear and has known him for quite some time. He added having Lear join the team is huge.

 

Podcasting allows people to watch or listen anytime to online audio or video on computers, tablets and smartphones.

 

A story, at https://finance.yahoo.com/news/norman-pattiz-anounces-hollwoods-legendary-204000537.html, stated the podcast will start on May 1 and early visitors include Julia Louis-Dreyfus, America Ferrera, Amy Poehler and Jerrod Carmichael.

 

Lear is quoted as saying he waited more than half his life time to initiate a podcast.

 

According to Lear, the show will range from comedy to family, current events, politics and more. The free podcast, “All of the Above with Norman Lear,” will introduce new episodes every Monday on PodcastOne.com, iTunes and the PodcastOne app. Lear has never acted as host to his own talk show until this podcast.

 

Lear, who had nine shows on the air concurrently, also founded the liberal advocacy group People for the American Way. The World War II veteran acquired an original print of the Declaration of Independence and took it throughout all fifty states for a time period of ten years. In addition, US President Clinton awarded Lear with the National Medal of the Arts.

 

Pattiz has served as chief executive officer of PodcastOne since its founding in 2013. Its current lineup includes celebrities Dr. Drew, Shaquille O’Neal, Larry King, Dennis Miller, Jillian Michaels and more.

 

With his more than 40 years radio familiarity and know-how, Pattiz is also the founder of Westwood One, the largest provider of news, sports, entertainment and more.

 

Pattiz was appointed by former Presidents Clinton and Bush to function on the Broadcasting Board of Governors of the United States. He was inducted into the National Radio Hall of Fame in 2009.