When searching for a loan, most businesses had a strict list of what they want. At the top of most lists are low interest rates and a fast underwriting process. What most businesses run into is a very lengthy process and interest rates that are too high. Of course, we are not at the end of this story because there are lenders who meet the criteria of these businesses. There are alternative lenders who have a quick application process, they are known for their low fixed interest rate, and they use collateral such as stocks to back loans. Equities First Holdings is an alternative lender who offers stock backed loans for businesses and individuals. As a company, they are known for their low interest rate, fast processing, and customer service. They are a company who has handled a billion dollars worth of transactions and will handle a billion more in years to come.
In mid-February, 2018, Jay Z made headlines when he and his friends celebrated Juan “OG” Perez’s 50th birthday party by spending close to $100,000 on dining and drinking. Before the event, very few people knew about OG Juan. The Roc Nation later identified him as a close friend to the Carter-Knowles family and the husband to the crew’s COO—Desiree Perez. Reports indicate that Jay Z was the big spender during the event, bringing us to a conclusion on how Hova brags. Unlike other famous music artists who brag about their wealth, Jay does it in a different style. Even though Jay denied footing the bill, one could easily see the dynamic of the crew at play. Jay Z looks out for his own—his friends and family—and derives his satisfaction from making them successful too.
Born in Harlem, Perez went to Brandeis High School. Kareem Burke introduced OG Juan to Jay Z in 1996, when the Roc-A-Fella Records was only a year old. OG Juan worked with Jay Z and various other artists such as Kanye and Just Blaze and helped them produce hundreds of hits between the years 2000 and 2004. In 2005, Jay partnered with OG Juan and founded Roc-La-Familia—Roc-A-Fella’s sub-label that was tasked with signing an international musicians.Over the years, OG Juan’s and Jay-Z’s families became close. The families extended this friendship to the business world where OG Juan’s wife, Desiree Peres, Dez, acts as the Roc Nation’s COO. She has, for a long time, played a significant role in the success of the crew. For instance, Perez discusses significant business deals on behalf of the Roc Nation.
Recently, she negotiated Sprint’s $200 million an investment deal that would see Jay Z tour the country in the spring of 2018. Apart from that, she was also a key negotiator for the Roc Nation when the city officials and Mayor Jim Kenney tried to stop the Made in America festival from taking place. She undertook the negotiating role and ensured the Roc Nation would continue holding the event for years to come.Due to their love for sports, Jay Z and OG Juan are interested in seeing Roc Nation work with athletes in the country. In an interview with the New York Post, OG Juan indicated that he and Jay Z are working closely to see the Roc Nation sign celebrity athletes in the country. The duo believes that music and entertainment go hand-in-hand.
Alastair Borthwick was born in the year 1913, 17th February. He passed on in the year 2003, 25th September. Alastair Borthwick is known across Europe for the exceptional work that he did in broadcasting and authorship of several books. He was a publisher, and his books were mainly relating to mountain climbing and some of the exercises and the fun involving mountain climbing.
Alastair Borthwick early life
In spite of Borthwick being born in Rutherglen, he was nurtured and raised in Troon before heading to Glasgow where he spent a better part of his life. Borthwick started his studies at Glasgow High School where he had a chance to serve as an officer training corp. He did this work for quite some time, and then at the age of 16, he decided to do some job with Evening Times which is a newspaper that is usually published from Monday to Saturday in Glasgow Scotland.
Later, he continued to build his career in some other newspapers and among them is the Glasgow Weekly Herald. This is a newspaper that is published weekly, and it involves the lifestyles of the people living in Glasgow Scotland. When he was working under the weekly newspaper, his principal focus was under the leading part of the front page, joining of crosswords, or at times publishing about the children and their mothers.
Alastair Borthwick’s career
As he was working under the Glasgow Weekly Herald, he got to access to the page of this newspaper which is called Open Air. In this page, he discovered about mountain climbing, and he found out that this is something that had gained popularity among young men, and it was being done as part of leisure and fun. Due to this discovery, he develops a lot of interest in mountain climbing, and he was a great publisher in the Open Air page of the Heralds weekly newspaper. He later published his book talking about mountain climbing in the year 1939. The book was called “Always called a Little Further.”
Alastair Borthwick was a great author whose work was impressive. He will be remembered for the various success he made in mountain climbing literature.
Everyone in America has now heard of Ryan Seacrest’s name. But many of them do not know that much about him or the things he has done.
Many people know about Seacrest’s infamous involvement with American Idol. And many may have watched him on shows such as “Live” with Kelly Ripa, or turned in to listen to his nationally-syndicated radio show. But did you know that he has produced TV shows such as Keeping Up with the Kardashians? Or that he even has his own skin care and clothing lines?
Ryan Seacrest recently opened up about his day-to-day life in an interview with the New York Times.
During this interview, he goes through the motions of his typical morning routine, and how his typical day usually plays out. For example, Seacrest details how he brings a trainer with him now when he is traveling across the country so he can get a good workout every day. He even says how he has taken up boxing, and how he loves to run in the park instead of using the treadmill.
Seacrest opens up about being “mostly vegan” and a dedicated foodie. He says eating well and drinking wine are his favorite things in life. Seacrest says how he starts every day with matcha tea because it is good for the body. He opens up about success, and how he is being a “yes” man. He also details how he keeps his phone locked in order to avoid distractions.
Seacrest was born on Christmas Eve in 1974.
He is best known for hosting American Idol and the Top 40 Countdown. He also is known for the KIIS-FM Radio Show. Seacrest lives in New York City. He moved from Los Angeles to New York in recent years to host “Live” with Kelly Ripa.
Watch this video: https://www.youtube.com/channel/UCl4h_3qTOIUnUX8KCICRM3A
JHSF is a leader in the real estate sector of high income in Brazil, with operations in the residential as well as commercial market acquisitions, upscale and international executive airport and development and management of shopping centers. The company was founded in 1972 and it has developed the ability to identify new viable opportunities in the market. Innovation, pioneering, quality, daring and provision of sustainable solutions are part of JHSF’s DNA.
The company grew rapidly to make its presence felt in various cities including as Salvador, Sao Paulo and Manaus. JHSF later extended its business to cities overseas including Punta Del Este as well as New York City. The company’s portfolio business units include Incorporation, Shopping Center, Airport as well as Fasano Hotel & Restaurants. In the Fasano Hotel & Restaurants sector, the company controls over 20 restaurants and hotels across various cities, international and local.
The multi-award winning company redirected its business line to focus on recurring revenue in an effort to catch up with mature real estate markets in the overseas. Over the past few years, the company established shopping centers, Catarina Integrated Urban Development and luxury hotels. The Catarina Integrated Urban Development’s first phase comprised of the Executive Airport, a project that contributes significantly to JHSF’s revenue.
The company went public in 2007 and started trading its shares in the Sao Paulo’s Bovespa stock exchange. The company is headed by Jose Auriemo Neto, the Chairman and CEO. The company and its affiliated businesses and projects have received many accolades. Catarina Fashion Outlest, JHSF’s project, received the “Outstanding in Other Formats” award at the Brazilian Shopping Centers Forum. JHSF also received the “PINI Award” and also recognized for how its customer relations.
The Brazilian company embraces sustainability practices in all of their developments. It is also socially responsible and supports various educational and health care projects in communities surrounding it.
At the helm of its leadership, Jose Auriemo Neto leads the company’s expansion efforts including venturing into the fashion industry. Recently, he was featured in BoF’s list as one of the most influential individuals in the fashion industry. Back to his background, he studied Engineering in college and while in school, he was already working with the company.
Jose Auriemo Neto oversaw the development of Parque Cidade Jardim, a project that turned out to be successful. When the family man is off duty, he spends time with his family or playing golf.
Way back in 1979, Carlos Alberto de Oliveira Andrade was an active medical doctor practicing medicine in Brazil. Today he leads CAOA, his auto company that is one of the most talked about and respected business entities in Brazil.
Dr. Carlo’s CAOA was the company that took over the primary distribution of Hyundai models in Brazil! When CAOA began importing Subura’s, the annual sales for that particular Japanese company tripled in Brazil!JD Power and Associates rank CAOA very high in, not only sales but also for service after said sales. The parent company that oversees Hyundai chose CAOA out of almost 200 other companies to recognize them with “Distributor of the Year Award” during 2012.
There’s a piece of the story missing at the beginning it seems; doesn’t it? If this is what you were thinking, we’ll fill you in. How did Carlos Alberto de Oliveira Andrade go from being a medical doctor to winning all the awards discussed above? It all started when Dr. Carlos ordered a type of Ford car from the 1970’s that was called a Landau. The downpayment for this model was a respectable amount of cash. The dealership that was to deliver the Landau went bankrupt. Carlos Alberto de Oliveira Andrade thought, without hesitation, why not see if I can get this entire dealership for my downpayment since they’ve sunk? This was a good thought to have because it worked!
Around six years after the moment that Dr. Carlos had that thought, the former medical doctor was running the largest automobile dealership in Brazil! During 1992 importing of automobiles was finally occurring in Brazil. Carlos Alberto de Oliveira Andrade was one of the big players to get involved. Dr. Carlos’ CAOA made Renault (a French Brand) the number one import in Brazil until the parent company took back over.
Carlos Alberto de Oliveira Andrade is also a really big fan of environmental causes, especially the reforestation of the Brazilian Mid-West. Because of this cause, his Hyundai manufacturing plant reuses a great deal of the waste that they create. This initiative leads to CAOA winning the “Good Doer Company Award” given by IstoÉ Dinheiro. Carta Capital (Brazilian magazine) recognized CAOA as the most admired company for three years in a row.
GreenSky Credit has become one of the fastest-growing and successful companies within the world of fintech. Founded in 2006 by prodigious entrepreneur David Zalik, GreenSky has grown into what is perhaps the largest retail lender for instant point-of-sale loans. The company has expanded to more than 17,000 retail partners, with everyone from contractors to dentists’ offices pitching its loans. And this has translated into a company that now underwrites more than $5 billion in new loans each year.
Keeping it simple and profitable
As an entrepreneur who has been in business for himself since the age of 14, David Zalik was never one to be drawn into the whirlwind of Silicon Valley trends and shibboleths. The founder of GreenSky has famously quipped that the best reason to never give a tech startup $30 million is so that it doesn’t have $30 million to waste. True to his word, Zalik has eschewed almost all of the trappings of trendy Silicon Valley startup culture. In the GreenSky corporate headquarters, you won’t find beanbag chairs, foosball tables or beer dispensers. But you will find one of the most serious retail credit operations in the country.
And this avoidance of techy pretension isn’t just skin deep at GreenSky. From the beginning, Zalik did almost the opposite of what every other fintech startup was doing. He immediately made the decision to go only for the strongest borrowers, unlike competitors OnDeck and Lending Club, who attempted to make gold out of the dross of NINJA applicants. Zalik was keen enough to know that by going with the highest-end borrowers, pitching the company’s business model to some of the nation’s top lenders would be all but a lock. He understood that once lenders saw that they could easily pad their books with hundreds of millions of dollars in additional prime loans each year, they would jump at the opportunity to partner with GreenSky.
And this is exactly how the company has found so much success. The company is able to make 6 percent of the principal amount from its retail partners while also getting a 1 percent carrying fee from its lending partners. And when everyone is making so much money, there aren’t many complaints.
Any career field takes a certain amount of passion and dedication to achieve success. You have to put in lots of time, energy, and focus to get the results you desire. Challenges in life are inevitable, but the people who don’t give up, persevere until they achieve their goals. Victoria Doramus recently sat down with Ideamensch with an insightful interview. She discusses her career highlights, what she does to stay productive, and what advice she would give her younger self. Her answers are very relatable to just about anyone.
Victoria Doramus earned her Bachelor of Arts degree in journalism and mass communication from the University of Colorado. From getting a college education, Doramus started working in the field of digital and print media. She worked with Mindshare, Stila Cosmetics, and other companies with their branding and advertising needs. Victoria struggled with addiction during her career as a digital and print media expert. It seemed the more her career got successful, her addiction got worse. Eventually, Victoria hit her rock bottom and got the help she needed. If Doramus could give her younger self some advice, it would be to move loving to herself, have more confidence, and do not worry about rushing things in life. As a recovery expert, she helps people get clean and sober, so they can live happier, more productive lives. Philanthropy also plays a huge part in Victoria’s life. She works with several charities to help them achieve their mission. Room to Read, Best Friend’s Animal Society, the Amy Winehouse Foundation, and the Women’s Prison Association are some of the charities she works with.
As a recovery expert, Victoria loves resources, digital devices, and technology to move her career forward. One app in particular, helps her find AA meetings wherever she is located, and it is called Pink Cloud. Victoria also loves apps that let her know health updates in regard to how she is doing. Doramus uses My Fitness Pal to track her eating habits, her Apple watch to track her health, and uses Whistle to track her dog’s exercise during the day. This all helps her stay on task so she can be a better help to others.
The fortress investment Group recently made a 20 million investment at iPass. This was through a credit facility that the group will secure through their patents that include the Smartconnect technology that powers their hotspots all over the world.
The fortress investment Group has been diversifying its portfolio for the last few years choosing to invest in the technology sector. This is derived from the fact that this sector is experiencing some of the fastest among all industries in the country. iPass Is one of the world’s largest providers of hotspots. Hotspots help provide WIFI connectivity in commercial and residential areas. This is powered by Smartconnect which, when launch supports the same. iPass was looking for a partner that understood the nature of investment that they required. Over the past few years, Fortress has been able to employ experts in this sector who understand what it entails and were therefore in a place to advise on the same. The deal will see iPass get the first 10 million dollars on the spot, but the remaining ten million dollars will be released gradually. This money will enable iPass to strengthen its balance sheet, and they can now focus on expanding their hotspots as well as increasing profitability. The fortress investment Group was founded in 1998 and has since then endeavored to invest in areas that they understand. This has seen the group grow from a four hu8ndred million asset management group into one of the biggest private asset management groups in the country. In 2017 they were acquired by SoftBank. The Tokyo based Investment bank has had an interest in the group for a number of years. Since announcing that they would be spending more than 50 billion dollars in investments in the United States alone, they had been searching for an investment vehicle that already had a track record as well as a diverse portfolio. From their investments in Media Real estate, transport & infrastructure as well as technology, it was evident to SoftBank that they were the right group to target. The Fortress Investment Group was a public company at the time of purchase having listed on the New York Stock Exchange in 2007. The group has been able to grow since then, but with a certain slowing down within the equity market, they needed a strong backer who had the financial capacity to continue financing their investments. The relationship between Fortress Investment Group and SoftBank is expected to yield results for all.
Ryan Emmons is the founder of the Waiakea Water, the company that prepares the best-bottled water. He created this brand in 2012 after visiting Hawaii and tasting water from a river. The water tasted so good than none other he had tasted before. He decided that he would share this experiences with the world by creating a brand of water that would be the best.
Ryan Emmons was influenced to start this company by the kind of environment he grew up in. He was brought up in his California and Hawaii, two places with a very clean environment. One day, Emmons was visiting his uncle in Hawaii and decided to take a stroll in a nearby valley. The valley was near the base of a volcano. He tasted water that was flowing from the mountains, and it was the best water he has ever tasted. He was convinced that others would have the same opinion about the water and that is when he created Waiakea.
Emmons was motivated to start Waiakea Hawaiian Volcanic Water after he realized that he had access to a naturally pure and sustainable water source. The water was coming from Mauna Loa volcano a place that experiences rain in 360 out 365 days. The experiences that this company has created in this industry is like no other. The company has been doing very well in matching up to the needs of the people.
Waiakea is not only interested in addressing the needs of the people but also addressing water shortage in other regions. The company has been working with other partners to ensure that there is clean drinking water in regions which have no access to such.
Waiakea has also embraced sustainability as a way of getting water. They are protective of the environment from which they get naturally purified water. The company gets the water in its natural form and then distills it.
Waiakea is a company that has a significant impact even in the health sector. The water is fit for human consumption and comes with natural alkalinity of 8.2. This level of alkalinity ensures that the body is of the right pH.