GreenSky weighing IPO

Few people outside of the financial tech sector have heard the name GreenSky. And even fewer have heard of the company’s camera-shy CEO, David Zalik. But both Zalik and the company he founded have quickly become prominent within the world of financial technology.

Founded in 2006, GreenSky was conceived as a means to bring merchants, customers and banks together in a way that would prevent the needless loss of sales. Zalik had extensive experience working in the home-remodeling sector, a fact brought about by his involvement in e-consultancy firm Outweb. Zalik realized that many sales were being lost at the point of sale as a result of customers experiencing sticker shock. In particular, customers with little or no experience in home remodeling or contracting were consistently underestimating the true costs of projects. This led to many sales being lost, never to be recovered.

Zalik believed that it may be possible to help merchants overcome this sort of point-of-sale customer objection. He started offering loan products that were originally designed for contractor who did in-field house calls. If a customer balked at the bid price, the contractor would be able to tell the customer that they have special promotional financing. Because the average FICO score of this class of customer is in the 760 range, GreenSky could offer spectacular loan terms. A typical GreenSky loan involved no interest or payment for the first year. And because the majority of the borrowers are prime, the lenders themselves don’t have to worry about high rates of delinquencies or defaults.

The model proved to be a boon for home contractors. Zalik quickly realized the potential in other fields. He began branching out into elective medical procedures, sellers of aluminum siding, window replacement and roofers. Today, GreenSky has more than 17,000 merchants who are able to be matched with 14 of the largest lenders in the country, including Fifth Third Bancorp, Sun Trust and Region’s Bank.

GreenSky is currently estimated to be worth more than $4.5 billion, and Zalik is now making strong insinuations that he is considering an IPO.

Waiakea Water Was Founded On Altruisitic Motives

To be a successful company in any industry, you have stand out. Filling a undiscovered niche is always recommended to give yourself an edge above competition. In the bottled water industry, this is very important. If you peruse the grocery water isle, they all seem to blend in with each other. To get a step above their competitors, companies with make false claims about their water or try to make it more catchy. Waiakea Hawaiian Volcanic Water is new to the game, but is already a step above the other 50 plus years old bottled water companies. The truth is they take an active role in cutting down waste so they environment does not have to suffer.



Each year millions of water bottles are thrown away and not recycled. Only an astonishing 23 percent of them were recycled. The other 77 percent goes into landfills or into the ocean. This heartbreaking statistic needs to change, and Waiakea Water is taking action. Their bottles come from 100 percent recycled bottles, making them way more earth friendly. Manufacturing the 100 percent recycled bottles take way less energy to produce, 85 percent to be exact. The Hawaiian volcanic water brand does not only stop there, but blow it out of the water. About a third of their power comes from renewable energy, putting out less emissions into the atmosphere. Their water source, which is a spring, does not get depleted at all. It recharges 1.4 billion gallons a day. To top of all this, they have created the first ever full degradable water bottle. It is an incredible invention that no other bottled water company has created, making them an instant stand out. Waiakea Water has been so successful since opening their doors in 2012. They even ranked on the exclusive Inc. 500 List. This list is a compilation of the most successful and fastest growing companies in the United States. The founder and chief executive officer, Ryan Emmons, was only 22 when he started Waiakea Hawaiian Volcanic Water. He set out to create a company that would have altruistic motives. They are socially-conscious, environmentally friendly, and the water is water has many health benefits.

How the American Institute of Architects Benefits Professionals

Professional organizations are entities that allow professionals to more easily enhance their career. In the architecture field, the American Institute of Architects is the top organization. With the American Institute of Architects, a number of architecture professionals area able to get the assistance and guidance they need in order to reach their career goals. Any architecture professional who is looking to enhance their knowledge will benefit by becoming a member of this leading professional organization. When joining the American Institute of Architects, professionals in this field will be in position to network with others to find employment opportunities as well as growing their independent businesses. They will also be able to take advantage of continuing education and learn more about the latest developments in the architecture field. Visit to know more about Robert Ivy.

Robert Ivy is a major figure in the American Institute of Architects. Today, he is the chief executive officer of the American Institute of Architects. Robert Ivy has held this position for the last several years and has established himself as a competent leader. While serving as the chief executive officer of this professional organization, Robert has led its expansion to a number of locations worldwide. Ivy provides the daily management of the organization and oversees all of its operations. He is also involved in establishing programs and policies to ensure that this organization remains as one of the top professional organizations around. Robert introduces new programs and exhibitions in an effort to provide a valuable learning environment for architectural professionals as well. His efforts have helped the American Institute of Architects become the valuable professional organization it is today. Follow Robert Ivy at Twitter.


Prior to his stint serving as the chief executive officer of the American Institute of Architects, Robert Ivy spent a number of years in both writing and editing. When he first began working in his professional career, Robert Ivy would work as an author for top architecture publications. During this time, Ivy wrote numerous articles that were able to educate both individuals and professionals about the most important issues about the architecture field. His next position was as the editor in chief of a major architecture publication. Robert Ivy was able to win a top award for his performance working in editing during his career. In June of 2018, Robert won the highly coveted Lifetime Achievement Award.


Shervin Pishevar: The Broader Economy

Few understand how the Internet impacted the world. Shervin Pishevar is trying to create awareness of a new economy that does not require individuals to remain silent and complacent. Citizens no longer need to accept only what another human being will distribute via it be by pseudo-capitalism, communism, or other non-technology centric economic system. Shervin Pishevar recognized that we have the power, in direct communication with each other, to make our own deals.

Global Economic Climate Change

Too big to fail banks relied upon pre-Internet economics to argue their necessity. Americans bought into their empty image. Bailing out the banks of 2008 was a mistake. Few argue against this economic diagnosis. Still, many fear change more than they do mismanagement of their finances.

Introducing Bitcoin

One good thing that came out of the 2008 bailout was motivation in the fintech entrepreneurial space. Satoshi Nakamoto digitally penned an idea that would prevent such an occurrence from ever happening again. Who could foresee how receptive everyday citizens from around the world would take Satoshi’s idea?

Today, the largest companies of the world are following in the footsteps of these early blockchain pioneers. Shervin Pishevar touched upon this market condition in bringing attention to tech monopolies and their stifling of small business. Must they be at odds? Is there any way that blockchain technology can provide a solution? Shervin Pishevar believes that blockchain will win out in a monopolistic economic climate. After all, it was blockchain that succeeded in the wake of the big banks and it is in blockchain developers whom these large corporations follow.

Emerging Solutions in Blockchain

It was the little startups that brought us blockchain. Long established organizations followed later. Whether they be first world governments or corporate conglomerates, many who had held power before the Internet are now finally playing catch up.

Blockchain technology has so many potential applications. One of the most notable is in logistics. In a world interconnected across oceans, logistics are increasingly important to distribute products beyond regional locations, across national borders, and through conflict areas.

Malcolm CasSelle Invests in Blockchain Tech with P2P Platform WAX

OPSkins, the earth-wide leader for virtual video game asset sales is dipping its toe in the waters of virtual asset trading. Led by front-man and current OPSkins CIO Malcolm CasSelle, the creative powers behind OPSkins are launching a P2P blockchain platform called WAX. WAX, which stands for Worldwide Asset eXchange allows players within a network of video games to trade digital wares to one another. The trade made possible by the limitless possibilities of decentralized technology. A popular misnomer surrounding decentralized markets is their unreliabilty and fragmentation, two factors mooted by present blockchain technology. Technology that CasSelle is using to put WAX at the forefront of a brand new industry.

Blockchain tech creates data chains from transaction information. Using cryptography the software allows every little action a user performs online to be recorded. If the buyer or seller partakes in dishonest practices, the blockchains will record the instances and apply them to its ratings. This provides security for potential transactions. CasSelle, who has always been at the forefront of technological innovation, saw the potential in this tech and is now cashing in. The ability for WAX to actually give gamers a return of investment is huge. The domino effect it creates could very well lead cryptocurrency to the mainstream. At least that is what CasSelle is thinking.

Malcolm CasSelle was the CTO and president of New Ventures for Tronc Inc. before coming to OPSkins. His career in the virtual industry dates back to ’95 when CasSelle founded his first business NetNoir. Since then he has founded many internet-based start ups, and served in top level executive positions for top-level web companies. CasSelle was an early investor in both Bitcoin and Facebook. He never ignores new opportunities and follows cryptocurrency very closely. In addition to his status as CIO for OPSkins, CasSelle will also serve as president of WAX.

Entrepreneurial Skills by Whitney Wolfe Herd

Whitney Wolfe Herd is a young American investor and serves both as the CEO and founder of Bumble. Bumble is a dating app that seeks to empower women. She also has an interest in Tinder Inc. She was born in 1989 in Utah, Salt Lake City. She attended the Judge Memorial Catholic High School. While in the 4th grade, her family moved to France. In France, she attended the Southern Methodist University as well as Sorbonne University, Paris. While still in school, she engaged in many ventures and marketing activities, she worked with Tech labs and took part in the Cardify project. View Whitney Wolfe’s profile at

Whitney Wolfe Herd later moved to Tinder where she took part in the marketing activities. The entrepreneur is estimated to be worth more than $ 230 million. Bumble is valued at over $ 1 billion with Whitney Wolfe Herd commanding a 20% stake in the venture. In 2017, she was featured in Forbes list of 30 under 30. She has further been featured in Business Insiders 30 most important women under 30. The success paints her as a committed and innovative entrepreneur who has remained relevant in the tech world.

Whitney Wolfe Herd Contribution to Tinder and Bumble

Before creating Bumble, she worked with Tinder and is credited for coming up with the name. She was the vice president of the marketing department. In her position, she helped recruit new members and marketed the dating app to different cities. While in Tinder she began working on the Bumble dating app. She left Tinder in 2014 after a confrontation with the co-founders. She accused the co-founders of sexual harassment and discrimination on a gender basis.

She sued Tinder and was awarded more than $ 1 million stocks in the Company. The ward improved her financial portfolio and provided resources to invest in a new dating app. In 2017, Bumble was estimated to have over 22 million users with the majority being women. The founder notes that the dating app is an avenue of empowering women. It has boosted the interaction among different people over the globe. Her contribution in both Bubble and Tinder can be regarded as being indispensable and aided in market penetration.




Louis Chenevert And Why He Left United Technology Corporation

Chairman and Chief Executive Officer of United Technology Corporation(UTC), Louis R. Chenevert has retired as of November 2014. Leaving behind a extremely successful company.


Before UTC


For his educational background beforehand entrepreneur Louis first received a Bachelor of Commerce degree in production management from the “Université de Montréal”, École des hautes études commerciales (HEC) and an Honorary Doctorate from the “University of Montreal”. Louis spent 14 years at General Motors gaining experience than serving as Production General Manager of General Motors’ St. Therese operation. Than he joined Pratt and Whitney through 1993 until april of 2006 where he then joined UTC.


Chenevert Time At UTC


The idea for UTC came because of the drive to create products that could change people’s lives because of this drive they have continuously been creating technology that has been changing the entire way we think of things now.


When Louis was at UTC the focus was on operational talent and engineering. They wanted something that could exceed what the customer wanted. To do that they had small teams and operational leadership teams that got all the necessities needed to achieve their objectives.


When he was working there one thing he made sure to do was to ignore the idea of outsourcing. Instead of moving to countries that would work for cheap he did the opposite he chose to move it to the United States. He believed cheap pay is the equivalent of receiving cheap products.


The corporation became very successful even with the hardships that were gone through to get it to the standard it was at.


Why Would He Want To Leave?


There was no big scandalous reason behind him retiring his position. There was no bad reputation held by UTC or any big commotion caused by Louis. He simply decided that he wanted to live a semi- retired life and have some extra time. So he can now enjoy his life just a little bit more than before and experience new passions and behind him he left the highly successful company of United Technology Corporation.

Luiz Carlos Trabuco Steps Forward To Lead Banco Bradesco Until New CEO is Elected

After over 25 years as the chairman of Banco Bradesco SA, Lazaro de Mello Brandao has decided to step down from his role. At 91 years old, he was one of the oldest bank chairmen in service. It will be a challenge for anyone to live up to Brandao’s rich legacy.

However, if anyone is able to do so, it’s Luiz Carlos Trabuco, the bank’s current CEO, and Brandao’s replacement. Luiz Carlos Trabuco has taken on both the role of chairman as well as that of the chief executive officer until a new CEO is elected this March.

The announcement of Brandao’s retirement has sparked a race for the position of CEO among the company’s top executives, with the outcome of that race being largely unpredictable until it’s decided in March. Whatever the outcome, the executive talent pool of the company is strong, and any of the rumored candidates are likely to benefit the company.

Luiz Carlos Trabuco
Luiz Carlos Trabuco is the current CEO and chairman of Banco Bradesco SA. He graduated from Fundação Escola de Sociologia e Política de São Paulo with a degree in Philosophy as well as postgraduate studies in Social Psychology.

He has dedicated much of his long and illustrious career to Bradesco, having acted as Banco Bradesco’s Investor Relations Officer, and, for 20 years, their Executive Vice-President. He was promoted to the position of CEO within the bank in 2009 and has held both the chairman and CEO positions simultaneously since October last year. Additionally, he spent six years as the chief executive officer of Grupo Bradesco Seguros.

In addition to his work with Banco Bradesco, Luiz Carlos Trabuco has held a number of other prestigious positions. These positions include President of the Marketing and Fundraising Commission of the Brazilian Association of Real Estate Credit and Savings Entities; Executive Vice-President and Member of the Board of Governors for the National Confederation of Companies in General Insurance, Private Pension and Life, Supplementary Health and Capitalization; Chairman of the Board of Directors of Odontoprev S.A. and numerous other executive positions.

Read more: Bradesco deve anunciar sucessor de Trabuco antes do Carnaval

The Race Ignites For the Position of CEO
During his management career at Banco Bradesco, Brandao encouraged promoting from within and scarcely looked towards outside sources when considering executives. The company is likely to maintain that course in the future, and they are highly likely to pick their new CEO from their existing executives. Luiz Carlos Trabuco will be naming his successor this March, and unnamed sources have reported that the choice will be made from the following seven executives:

Responsible for the bank’s human resources department, André Rodrigues Cano has been working for Bradesco since 1977.

The chief risk officer of Bradesco is Alexandre da Silva Gluher, and he has been working for them since 1976.

Responsible for Bradesco’s IT department, and the creation of their mobile banking app, Mauricio Machado de Minas is one of the newest at the company, having joined in 2009.

The branch network and high-income segment of the company is managed by Josué Augusto Pancini, and he has been working for Bradesco since 1975.

Marcelo de Araujo Noronha manages the bank’s card operation, the company’s corporate and investment banking, and Bradesco BBI. They have been working for Bradesco since 2003, as another newer hire.

Domingos Figueiredo Abreu is in charge of managing the treasury and lending departments for the bank and has been working with Bradesco since 1981.

Leading the bank’s insurance unit is Octavio de Lazari. He has been responsible for a third of the bank’s results and has worked for Bradesco since 1978.

Search more about Luiz Carlos Trabuco:

The mastermind behind Kerrisdale’s research- SahmAdrangi

He is a Penn State graduate who landed an internship on Merrill Lynch’s credit desk in NYC through sheer networking and hustle. His diligence, as well as “Clickability,” allowed him to spend additional three years at Merrill while trading credit on the bond desk. At the then $3 billion hedge fund, Longacre, he parlayed this experience into a credit trading role. His time Longacre incidentally overlapped with SahmAdrangi, the current hedge fund founder of Kerrisdale Capita; Management.

Recently, Sahm published a short aggressive piece: NothernDynacity- The Pebble Deposit Isn’t Commercially Viable, that could move the market on 14th February. Many thanks to Adrangi’s piece that thrilled many.

Sahm served on the credit team for Paulson $ Co – the guy who made over $6 billion shorting mortgage bonds after Longacre. Then in the preceding three years, he was a credit PM at Bowrery Investment Management, LLC.

In June 2015, Sahm made a life choice to quit Wall Street given the high cost of living in the New York City, the hours as well as the Perception that things had changed given the industry-wide asset outflows. From the seed capital Sahm made at the Wall Street, he generates a lot of income from good securities, and he still loves investing. He is a great guy who enjoys spending and has made a lucrative amount of money in his PA.

Although the Kerrisdale Capital Management shares research on a variety of industries as well as corporations, Mr. Sahm in recent years focused the efforts of the firm on various specific sectors in which Kerrisdale has created expertise. One area of focus is the biotechnology sector, and Kerrisdale published research on development stage companies such as the Sage Therapeutics, Bavarian Nordic, Zafgen, Unilife, Pulse Biosciences among many others.

Another area of focus is the mining sector, and Sahm has called into question the mining projections as well as market valuations of Northern Dynasty Minerals, First Majestic Silver and other resources firms. Besides, Kerrisdale published many reports on the telecommunication segment, sharing skeptical views on Straight Path Communications, Dish Network, ViaSatInc and Globalstar.

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Doe Deere Continues To Brighten Up With Lime Crime

Doe Deere is one of the most respected names in makeup. She managed to create one of the most popular makeup companies of our time even though she didn’t have any of the financial support her competitors did. This has made Deere an inspiration and a case study in what leads to effective business leadership. Lime Crime has been going strong since 2005 with no signs of stopping. If this continues on, she’ll be known as the inspiration for countless girls out there who want someone who can show them how to win in the business world.

Raising Lime Crime To Higher Heights

Lime Crime started out as an Ebay account Deere was using to reach large crowds. It eventually managed to become so much more as she decided to expand her business and turn it into something much greater. Despite the angers associated with starting a large scale makeup business, she was able to come out on top. By 2008, she was one of the most talked about makeup artists in the world. Everywhere you went you would hear people talk about her and the plans she had.

A Conscience And A Business Plan

She did more than build herself a business empire. Deere also used her platform to stand up for the values she held near to her heart. An example of this is how her strong belief in animal welfare has led her to produce products without the use of animal byproducts. Few in this industry have shown these sort of commitments, but they appear to be paying off for Deere. Her brand has overtaken the market rivals and allowed her to obtain a level of success others can only dream of one day having for themselves.

Giving Others A Chance

Doe Deere understands her duty as a female entrepreneur to help others who would like to get into makeup find a way for themselves. She is now a speaker who tells young girls with dreams like she used to have what they need to do in order to make them come true. The program is a smash hit and it’s giving an entire generation the tips needed to succeed. The Lime Crime story is something that can be repeated and needs to happen time and time again. Millennials have changed the world around them and Deere is only showing one example of that. Learn more: