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GreenSky’s Innovative Win-Win Business Model

GreenSky’s consumer-lending business model creates a win-win situation for loan consumers and lenders. The fintech company offers lenders low-cost customer acquisition and consumers enjoy low financing rates. GreenSky isn’t a lender, the company operates a platform for medical professionals and contractors to offer healthcare and home improvement loans to their customers from banks with a simplified loan process.

How Does it Work?

A contractor or medical professional offering elective surgery can suggest financing through GreenSky. He or she scans the potential borrower’s drivers license and if the person has good credit, he or she is approved for a loan immediately. Instant point-of-sale loans enabled contractors to sell the customer on a big ticket project and the homeowner does not have to wait for credit approval.

How Does GreenSky Earn Money?

The company makes their money from merchants by charging transaction fees (about seven percent) and a small fee for servicing the learn. Since the firm services the loan, the lending bank can make more loans to people with good credit without having to hire more customer service representatives. Borrowers pay the company, not the lending bank, saving banks from processing payments.

Is GreenSky Undervalued?

The company went public in May 2018 (ticker symbol GSKY) and by September 2018, experts valued the stock at $23. The share price hovers at about $20, but an announcement of a partnership with American Express will increase the number of merchants using the platform. This should increase the fintech company’s revenues without increasing their expenses.

Company Information

Established in 2006, GreenSky has funded 15 billion dollars in loans with more than two million satisfied customers. The company is led by CEO David Zalik, who is also a co-founder. Forbes, Businessweek and the Wall Street Journal reported on Zalik’s success with the Atlanta-based fintech company in 2017.

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OSI Group And McDonald’s Symbiotic Relationship

OSI group began as a family business in the early 20th century by a German immigrant, Otto Kolschowsky. The first business joint was based at Chicago, Illinois. It started as a small retail butchery meant to serve the locals. Kolschowsky managed to make his business successful and just after the end of the First World War the business grew into a wholesale business where he started to supply meat to other retailers and other parts of Chicago.

In 1928, Kolschowsky solidified his business’ stand as a family business, and Otto & Sons was born. For decades the family continued to run the business successfully as a local business. It managed to survive through the Second World War and served as a critical supply center for the community during the post-war recovery period. At around the same time, Ray Kroc was busy with making Mc Donald’s a franchise that focused on selling quality burgers as per the initial owners Richard and Maurice McDonald’s standards. OSI Group McDonalds have so much in common tracing their history from the family business, both operating in the food industry and both were small businesses at the time.

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Ray Kroc entered into a handshake agreement with the Otto & Sons managers who at the time were Kolschowsky’s sons who agreed to be McDonald’s first supplier of fresh ground beef. With the growth of the McDonald’s franchise, Otto & Sons was related to the business as supplying the ever-growing franchise became their sole priority. Both OSI Group McDonalds gained popularity in the food industry due to their relationship.

In 1975, Otto & Sons made a few changes in its management positions and consequently transitioned into OSI Group. Kroc, on the other hand, continued to pursue consistent products especially the burger components across every operating restaurant. For this reason, he trusted the OSI Group with supplying quality products to his restaurants. Towards the late 1960’s Otto & Sons discovered an advanced processing cycle that would make the task of providing McDonald’s with supplies much easier. This aspect brought OSI Group McDonalds closer as per the essence of business relations.

In 1973, Otto & Sons dedicated an independent plant to McDonald’s course and incorporated the technology of flash freezing of burger patties in large scale to answer the demand of McDonald’s call. The two companies OSI Group McDonalds mutually benefited from the business for years as they both grew to serve other clients.

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Fortress Investment Group Makes An Investment In The Growth Of Wi-Fi Access

Fortress Investment Group recently provided iPass with a $20 million loan that is secured by iPass’s SmartConnect technology and its portfolio of patents. $10 million is immediately available to iPass, which will help the company shift its focus on increasing its revenue and profitability according to the company’s Chief Executive Officer and President Gary Griffiths. He also said the loan is secured by the company’s patents, which strengthens the credibility of their SmartConnect and Veri-Fi products. Fortress Investment Group views iPass as a secure investment for its investors due to the growth in the demand for unlimited access to Wi-Fi.

Since 1998, Fortress Investment Group has used long-term strategies to provide its clients with strong returns on their investments. This private equity firm believes iPass fits their overall investment strategy because of its position in making Wi-Fi access convenient for widespread use. iPass currently has the largest Wi-Fi network in the world, and the company’s technology gives its customers access to over 64 million hotspots worldwide. By the end of 2018, the number of hotspots is expected to grow to 340 million. This puts iPass in a perfect position to take advantage of this growth with its patented Wi-Fi technology.

An article on titled “Fortress Investment Group Partners with iPass to the Tune of $20 Million in Credit,” points out how successful this investment firm has been over the years. They were named Institutional Hedge Fund Manager of the Year in 2014. From 1999 to 2006, the company earned close to a 40 percent return for its investors. Earlier this year, Fortress had $40.9 billion under management, and just last year, the company raised $2.9 billion funding. The $20 million investment Fortress provided iPass will help iPass obtain a competitive advantage in Wi-Fi market over the long-term. It should also give Fortress investors healthy returns for years to come.

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The Felipe Montoro Jens Report on IDB Governors Meeting

The governors of the Inter-American Development Bank (IDB) held a recent meeting to discuss a variety of important issues. The most important of these issues was undoubtedly infrastructure. As such, infrastructure expert  Felipe Montoro Jens was sent to cover the event and relay some of its content back to us.

The Brazilian Government Ministry of Planning, Development and Management informs us that last year, the IDB loaned Brazil about US $ 12.9 billion overall. As our expert reporter points out, that is 20% more than in 2016. So naturally, they are concerned at the lack of private infrastructure investment in the country. IDB President Luis Alberto Moreno does not believe that the country can achieve sufficient growth to repay those loans under the current conditions. Learn more about Felipe Montoro Jens at

Minister Dyogo Oliveira emphasized this point repeatedly when speaking to the assembled governors. He repeatedly returned to the theme of attracting more foreign investors. This is necessary, he says, in order for Brazil to join the rest of the world in what he calls “the fourth industrial revolution”. Indeed, modernization of Brazil’s economy has taken place, but some say it is too soon to advance it further. Minister Oliveira is obviously not among them.

In defense of the government, Oliveira also pointed out that Brazil has formed some very productive infrastructure partnerships with private entities for the purpose of funding the various projects that the country needs. These Public-Private Partnerships (PPP’s) are in keeping with the established practices of the region, as well as the rules of the IDB and other multinational groups. He said that this approach has been shown to be very effective, according to our expert reporter Mr. Jens.

While Spain invests a lot of money into Brazilian development, the authorities on both sides agree that investment is the answer. In the words of Minister Oliveira: “I propose that the IDB promote studies that point to more efficient solutions for project risk management and facilitate the leverage of private investments in the region,”


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How to Invest in Freedom Checks with Matt Badiali

How to Invest in Freedom Checks with Matt Badiali

The internet is definitely a great tool for business professionals and investors because it provides a source of investment ideas, trading securities and research ideas that can be incorporated into a business. Unfortunately, there is the lack of rules on the same platform, consequently making it rather difficult for investors to make critical decisions when it comes to investing in business. For that reason, investors find it highly critical to liaise with investment gurus with the aim of protecting themselves from spammy investors who can mislead them. Matt Badiali is one such investment guru who has managed to guide several investors by issuing helpful lessons about investment and how to put money in the right docket. Read more at Agora News about Freedom Checks.

Who is Badiali?

Matt Badiali is a qualified investment expert who has shaped his career around different investment ideas including one recent idea called checks. Over the years, he has worked with different investors, both novice and emerging ones with the aim of perfecting his skills in the business. Other than that, he is well versed with the idea of spammy investors and how quick it is for someone to be swindled online. For that reason, when he released a video titled freedom checks, people wanted to know more about the business or rather, the investment idea. In the video, Badiali is straight about how people can invest in this revolutionary business idea. He says that there are two types of investors namely the haves, which translates to investors who have conquered the investment world by putting their money in different, useful dockets. Then, there are emerging investors, who need a lot of guidance when it comes to putting their money in the right dockets. In each case, one thing is rather constant; the idea of wealth creation by all means. As he puts it, freedom checks are not a pyramid scheme. Rather, they have been in existent for some time.

Breaking it Down for You

The only difference between checks and other investment opportunities lies in the fact that they must be issued by companies in the gas and oil production business. They are called MLPs like he puts it. He then goes ahead and says that freedom checks are not government programs. This means that people cannot benefit from them like in social security funds or managed healthcare programs. For you to earn the thousands that Matt Badiali has held on the video in the tutorials, you have to invest in an MLP firm. In turn, the MLP Company must agree to part with about 90% of its total revenues. Check:




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Bernardo Chua: His Leadership for Growing a Premium Coffee Brand

When you think of premium coffee, what immediately comes to mind are probably places like Portland and Seattle. These are places that have already established a reputation for offering some of the most premium and varied coffee selections in the market. However, you don’t have to go to these places anymore to enjoy world-class gourmet coffee because there are brands right now that offer you the same unique brew without the need to travel far. One of these brands is Organo Gold. Read more on Business for Home for more info.

The Organo Gold Offering

The line-up of coffee choices you have from Organo Gold, or now merely just commonly known as Organo, can be set at par with the premium coffee brands you can buy in top coffee destinations in the United States. In fact, Organo is building a brand that fits the standards of the most obsessive coffee drinkers today. Organo also makes sure that their high-quality coffee can satisfy the taste of the people who consider coffee drinking as part of a culture.

The other great thing about Organo is that it made sure that people can enjoy their premium coffee without wasting too much time. The people behind Organo believe that some people might not have enough time to wait for their perfect coffee fix to percolate every morning, and that’s why the Organo coffee you can buy comes in sachets of granulated beans that you can brew easily. This ensures that you can drink the coffee on the go, wherever you may be. You can now enjoy your favorite premium coffee as if it was brewed from your local artisanal coffee store. Plus, the Organo coffee comes in different flavors. You can get them in a mild Cafe Supreme flavor, which contains ginseng, creamer and Ganoderma lucidum. You can also get them in just plain bold black, which is unflavored and full of robust taste that you can customize with cream and sugar, according to your preference.

The CEO of Organo Gold

Bernardo Chua is the man and visionary behind Organo Gold. Being the CEO of the company means that he oversees the operations and growth of Organo across the globe. Mr. Chua originally came from the Philippines, and he is also known for being a top business leader in the industry of multilevel marketing since his notable work in Gano Excel.

With the leadership of Bernardo Chua, Organo is right now one of the world’s top leading producers of premium coffee and tea that you can brew easily at home.

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Through experience, Sahm Adrangi has grown to be of impact in the investment sector. Over the years he has given different companies their investment analysis to gauge their performance in the business world through the knowledge of credit and equity fund. His achievements are attributed to his education as well as his skills and experience. Having acquired a degree in economics, he knows vividly the setbacks companies go through in investing which enables him to use his knowledge to help investors thrive.

For several years he has worked with various companies which gave him more experience. Therefore, the information he passes to different companies become beneficial when implemented. Sahm Adrangi provides the information with through reports which can be positive or negative depending on how the company is fairing. The companies that get to change their take and strategies as outlined get to see positive changes leading to growth.

Sahm Adrangi has had the opportunity to give reports on many companies especially after the establishment of Kerrisdale Company. He has given negative reports on several companies which include Eastman Kodak Company, Quinstreet’s network, and St. Joe Company among others. The negative reports are detailed to enable the various companies to see their mistake and correct to thrive.

According to Sahm Adrangi, the report on Kodak Company was based on the wrong strategies applied. He stated that the filming company is doing some activities that may cause damage as they are implemented without reasoning on the best cause of action such as the introduction of KODAK Coin. The action taken displays an act of desperation which if not curbed can lead to a bad reputation.

Furthermore, the credit value of the company has lowered over the years. The cash value present is seen to be lower than expected according to Sahm Adrangi. He states that the company will require restructuring to grow rather than decline. For this to happen, the gross leverage should be attended to and it should have reduced rates to stabilize.

In relation, the other companies that received negative reports were shown what they did wrong and how to improve their credibility. Therefore, Sahm Adrangi is an entrepreneur who brings a big difference in the society.​

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The BBB Torch Award is Significant.

Receiving the BBB Torch award; even more so.

Lake Zurich Illinois is a beautiful community full of families who enjoy life to the fullest. This is due, in no small part, to efforts of the local general contracting professionals of Aloha Construction. A family owned group of people commited to making (physically making, with their bare hands) their area a more wonderful place to live for everyone.

The Torch Award for Ethics is an annual award that recognizes the excellence of businesses that go above and beyond. In 2017, Aloha Construction was honored with this prestigious award.

Aloha Construction has been an important part of their community of Lake Zurich, but their reach is widespread and influential. They boast a history of fine craftsmanship backed by master craftsman who are also active in their communities. Their services are most valuable to all of those they have already served, and they will be more valuable still to each and every new customer who gives them a call.

Their work never ends with a just a ‘thank you’ and ‘fare thee well’. They always stand by their work and are always available for just about any construction need their customers may need in the future, and more likely than not, they’ll become trusted friends.

Their presence in and around Lake Zurich is a mark of excellence for the city and surrounding area, and they’ve been recognized and honored for their singular abilities in not only construction, but being a pretty cool part of their home State and local area.

Pride always shows through and shines in the master craftsman’s work. They are selfless artists who wont hesitate to go the extra mile, for that too is a mark of excellence, and the word “Excellence” itself cannot be stated enough when referring to Aloha Construction. Family owned means something special, and always has. Construction in any trade is truly an art form and when it’s your home, your pride and joy, every detail is critical and nothing will be overlooked.