GreenSky Credit has emerged as one of the most formidable startups that the fintech industry has seen over the last 20 years. Founded in 2006 by veteran entrepreneur David Zalik, the company has followed a radically unique strategy of creating value through making already existing processes frictionless and more widely available to consumers. As Carl Icahn once noted, the most money is often made doing the simplest things. While the technology that drives the GreenSky Credit platform is hardly simple, the business model is what Adam Smith or David Ricardo might have come up with if you told them how financial technology could be used. GreenSky Credit is an avowedly conservative and traditional means of creating big value for clients.
A deal where everyone walks away happy
The brilliance of Zalik’s vision for GreenSky Credit lies in a simple maxim: The best deals are the ones where everyone walks away a winner. Zalik first concentrated on home remodeling projects where the homeowners didn’t have the cash on hand to finish their projects. Cash shortfalls have always occurred in the home renovation business with surprising frequency for the same reason that commercial real estate developers often rely on sophisticated and multifarious financing structures. The simple fact is that construction is expensive. And when homeowners underestimated the cost of their projects, which they often did frequently and to a severe degree, the deals often fell through before the first nail was driven.
Zalik saw that as not only a huge loss for the contractors but also as a serious loss for the homeowners themselves. That’s because the majority of home renovation projects that are carried out in high-end homes add far more to the value of the property than the cost of the project itself. Zalik saw that these often-prime borrowers, who usually have FICO scores in the 800-plus range, could benefit enormously from an instant point-of-sale loan to complete their projects, a form of bridge financing for retail customers. At the same time, the contractors got jobs that never would have materialized. And the banks extending the loans get prime borrowers on their books, improving their financial position.
OSI Group began in 1909 when a German immigrant opened a butcher shop in Chicago. This shop became OSI Group when it was partnered with McDonalds and rebranded to better reflect its mission. The rise to financial success was due to technological innovation and smart business decisions. Out of the many food suppliers, OSI Group was chosen to work with McDonalds and provide meat products to its restaurants all throughout the world.
A major development in OSI Group’s history was its adaption to flash freezing technology. By using liquid nitrogen to cool products, meat could be sent easier and safer. Giant product lines were built and these patties would end up being manufactured at a rate of over 24,000 tons a year. They have now expanded into other areas of the food market; their lineup now includes produce, sauces and pies. They’ve also secured a foothold into the global market through their partnership with McDonalds and now work to maintain their financial success through continual business acquisitions.
A recent look into their history shows that they have acquired many regional businesses for the assets that they possess. Large factories that are capable of producing several tons of meat products a year are on their shopping list. They have recently acquired a production line in Spain that will let them nearly double their output of poultry. Additionally, a business was acquired which will increase the range of products that they can sell in the European market. OSI Group’s strategy of aggressively acquiring businesses seems to increase their market share through selling a wider range of products and an increase in meat sales.
Although they started small, they became one of the biggest corporations in the United States and have grown to do business in a large part of the world. Their strategy is to keep expansion a priority as they seem to expand to more markets at a rapid pace. Although McDonalds became their ticket to a growth opportunity, they have decided not to become dependent on this partnership. In the beginning of the agreement, OSI Group did build a factory that focused solely on supplying McDonald restaurants with beef patties. When financial growth ensued however, they expanded into other markets with different products and clients.
OSI Group seems to keep expansion a priority. Time will tell the fate of this massive global player in the food industry. As of now, their 20,000 employees feed an incredible amount of people each day through various business like McDonalds, Papa John’s and Subway.
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Dr. Shafik Sachedina is Sussex healthcare’s joint chairman, a position that he has been holding for the last 20 years since 1998. Highly respected in the UK society as a premium entrepreneur and healthcare specialist Dr. Shafik Sachedina traces his history back in Tanzania in East Africa where he was born in 1950. Trained as a surgeon from the University of London, Dr. Sachedina has a tremendous level of experience and expertise, both at the doctoral level as well as the entrepreneurial level. Find out more about Shafik Sachedina at Behance.
According to his biography, after completing his education at the University of London, Dr. Shafik Sachedina worked as a volunteer at Aga Khan where he helped serve the society through various philanthropic programs on a volunteer basis. His prowess and experience in management of healthcare institutions saw him appointed as the chairman of Sussex Healthcare. He has helped transform the Sussex Healthcare to become one of the premium-quality healthcare service centers that are known for its home-based care services particularly for the aged persons in the society.
Dr. Shafik Sachedina has also helped in the transformation of Sussex Healthcare into one of the leading healthcare service providers operating within the UK market, especially in western Sussex. He has also overseen the rollout of numerous healthcare programs that have been instrumental towards serving members of the public suffering from age-related conditions such as Alzheimer’s disease, dementia, and other neurological conditions that are prominent among elderly persons.
Among other changes and developments that Dr. Shafik Sachedina has helped bring about in Sussex healthcare include the emphasis on patient service while focusing on the development of the healthcare institutions’ workers professionalism by sponsoring them to undertake diploma-level of education in professional practice. This program has helped most workers find passion in working at Sussex healthcare through the advancement of their skills and knowledge base, thereby increasing the retention levels of professional workers and nurses. Dr. Sachedina has also been instrumental in the transformation of Sussex healthcare service provision model to ensure that patients are accorded the highest quality of medical service whereby their recovery is expedited through the provision of an ambient environment that offers social and therapeutic comfort.
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During the 2017 top seller event guest were treated to one of the best-organized events that year. The theme was Entrepreneurship and who better to share his experiences that entrepreneur of the year Guilherme Paulus. He was at the event to share his experiences and encourage the young and aspiring entrepreneurs in their journeys to the top. Guilherme Paulus spoke candidly about the founding of CVC and GJP, how he was able to overcome the various challenges on his way to the top as well as how he spends his time now that he has achieved considerable success. His talking points were reflective of a man who has seen it all within the tourism sector and has been able to accomplish more than he ever deemed possible. He appears on the Forbes list of billionaires something that he is proud of, yet he admits it’s not his driving force in life. Guilherme Paulus is keen on creating employment for fellow Brazilians and helping nurture the next generation of entrepreneurs. During the event, he shared the numbers that help make his businesses such a success and looking at them one is also able to see why. Find out more about Paulus at Exame.
As of October 2017, CVC Brasil Operadora e Agência de Viagens S.A had served 3,681,624 clients. By looking at this number, Guilherme Paulus was optimistic that they would beat the record in 2016 where the company served 3,978,018 clients, with three months to go and the peak season that takes place during the holidays it was easy to see why he was so optimistic. The company today has around 1,164 stores which are served by about 9,086 travel agents. These are spread in virtually every state in Brazil with a presence in 456 cities and towns.
As for the GJP network that is barely a decade and a half old, they are also posting impressive numbers. They have been able to grow their hotels to 19 with a total of 3,000 rooms. This has helped the network serve an increasing number of clients every year as they have been able to establish seven in the south region five in the southeast region and the remaining seven in the northeast region.
Read more: http://revista.turismocompartilhado.com.br/2017/11/22/top-seller-2017-guilherme-paulus-fala-sobre-empreendedorismo/
Robert Ivy is a Columbus native who has accomplished milestone in the architecture industry. Being the CEO and at the same time the executive vice of the prestigious AIA (American Institute of Architects), Robert still prefers to keep a low profile. Ivy is a proficient writer, who served as former editor-in-chief of Architectural Record. He is the author of Fay Jones, Architect, which was put out in 2001. Find out more about Robert on Tulane School of Architecture.
Mississippi Institute of Arts & Letters (MIAL) began in 1978, to support, foster and recognize Mississippi’s artists. Recipients of the MIAL Lifetime Achievement Award ought to be Mississippi natives. The AIA CEO was honored with the Noel Polk Lifetime Achievement Award by MIAL. This strikes as the first time an architect has been presented with the Polk Award. Robert shares the Lifetime Achievement Award with Andrew Cary Young of Pearl River Glass Studio.
Ivy was presented with the award at an event by MIAL on June 2nd. AIA President Carl Elefante commended him saying that, Robert Ivy is an earnest ambassador of their line of work and the award was a personal and professional victory for him. President Carl was completely delighted for him being esteemed.
Mississippi Institute of Arts and Letters President Nancy LaForge, applauded him for making architecture accessible to the public as compared to anyone else from Mississippi. She further included that; as a writer, author and critic on architecture across the globe, Robert Ivy had finally taken his place in the list of Noel Polk Award honorees.
Robert Ivy joins the list former recipients of the award who includes writers Eudora Welty (2001) and Shelby Foote (2004), actor Morgan Freeman (2007), artist Walter Anderson (1989) and singer Leontyne Price (2000). Ivy’s previous honors include the designation Master Architect by the national architecture fraternity Alpha Rho Chi and the Dean’s Medal from the University of Arkansas Jones School of Architecture in 2017.
Robert Ivy, has further stretched out the influence of the company (AIA) to its uppermost membership level in its 160-year history.
Southridge Capital, an institutional investor, has interest in a wide variety of services and companies. Some notable investments include their 2012 $10 million equity purchase of the online layaway payment services, eLayaway. In 2015 they made a $5 million dollar deal with Elite Data Services of Dallas, Texas. Some more recent portfolio additions were in markets focused on the needs of the public sector.
Investments from Southridge Capital show them buying into companies focused on removing hazardous waste, improving drinking water, and providing services to older citizens and the disabled. They have a goal of helping their clients achieve their financial goals and they have invested over $1.8 globally since 1996.
Steve Hicks, the owner and head of Southridge Capital was recently interviewed for Ideamensch. In response to questions he revealed that he is currently excited by what he sees on his investment radar in relationship to crypto currency and pot. Crypto currency especially has drawn his comments in industry news articles. He recommends as a business venture that perhaps someone should have a podcast or channel exploring the cryptocrrency phenomenon. There would be an abundance of guest speakers willing to talk about their crypto coins. For more details check out Bloomberg.
Mr. Hicks attributes his productivity to monitoring the cash from the portfolio and creating a daily list for himself and his staff. Southridge keeps track of the cash from the portfolios and does not seek to only focus on deals. The key seems to be to keep the current investments running smoothly staying on track while using experience and certain tools to look for new possibilities. The Wall Street Journal Online is one of his go to sources for tracking history and trends of potential investments. Check out southridgeholdingsllc.com
Southridge Capital specializes in direct investment and offers advisory services to a variety of small to mid market companies. Steve Hicks began the company in 1996. He was employed at a hedge fund whose owner was going back to Australia. While winding up his employment he was allowed to develop his own hedge fund and so Southridge Capital came into existence. Connecticut is home to Southridge Capital, but has interests all over the world.
See more: https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=701946
One of the top entrepreneurs in the computer business, Robert Deignan is the Founder and Chief Executive Officer of ATS Digital Services. Before establishing his company, Robert Deignan worked tirelessly to sharpen his career and grow in the business field. He acquired the necessary expertise in the University and gained enough experience by working in a few companies such as the Fanlink Incorporation and iS3.
Robert Deignan attended Saint Thomas Aquinas High School. Upon completing his high school studies, Robert Deignan then joined Purdue University in 1992. He graduated with a Bachelor of Science degree in Organizational Leadership in 1995. Robert Deignan started his professional activities in 1998 when he co-founded Fanlink incorporation. Fanlink was a company that was formed as domestic for the Profit Corporation in Florida. After operating for two years, Fanlink was dissolved in 2001.
In 2002, Robert Deignan joined iS3 Incorporation. Based in Boynton Beach, Florida iS3 Incorporation is a private company that deals in computer software. The company manufactures products for people and companies that give specialized assistance and assures web security. Robert Deignan worked diligently and rose to the position of Executive Vice President of the company. He worked there for nine years and later on resigned.
In 2011, Robert Deignan founded Digital Services Incorporation. Currently based in Boca Raton, Florida Digital Services Incorporation ensures that their clients receive the best products and customer service. They achieve this by offering a customer service number on their website. Clients who have problems with their computers can call the number and get help from a professional team of computer experts. The team can then access the computers remotely and fix the problem. The experts even go an extra mile to put in features in the client’s computer so as to prevent any other problem from occurring in future.
Under the leadership of Robert Deignan, the firm has been able to grow immensely and make huge steps in the business. For instance, the firm was the first call center to be certified by AppEsteem Corporation. AppEsteem Corporation is the institution that approves applications and any other services in that line. It is with no doubt that Robert Deignan is a one of a kind entrepreneur who stops at nothing than the best.
Louis Chenevert is one man who understands the usefulness of hard work and grit towards achieving greatness in any line of work. Since his birth in 1958 in Montréal Québec city, Louis a Canadian entrepreneur and a businessman had significant success in different positions that he has served before his great retirement. Contrary to what many may think, Louis Chenevert had an ordinary life during his childhood. He is one person who believes that with dedication and commitment, one can achieve their goals.
Louis went to the University of Montreal where he pursued a degree in production management. With the skills and expertise that he gained there, Chenevert new that he would help the company that he joins to produce high-quality products, fast, in large quantity and also at low cost. Louis first step into his career is when he got a job at General Motors in St. Therese in his home city. According to Guy Hachey the man responsible for offering Chenevert a job, he is the man who was great working with. Due to his hard work, Hachey would always promote Louis Chenevert to the position he was whenever he got promoted to a higher rank.
Chenevert served at General Motors in Montreal for about fourteen years and felt that it was a great time that he made some changes. With the convincement that he got from Karl Krapek another employee at GM plant, Louis decided to join the aerospace industry. It is in the year 1993 that he joined Pratt and Whitney Canada (PWC) a company that deals with manufacturing of aircraft engines the PWC is a part of the Pratt and Whitney (P&W) Company in the U.S which is also a unit of the United Technologies Corporation (UTC).
Due to his hard work, it only took him three years when he was appointed the president of P&W in 1999. The company at that time was not doing fine, but through the hard work, dedication and with Chenevert leadership, the company started to make profits. As a result of this, UTC the parent company came looking for Louis Chenevert and later in 2006 he joined UTC as its chairman. Later in 2008, he became the company’s CEO and also its president. He had many successes at UTC, but the most notable one was when he assisted the company to buy the Goodrich Corporation at a Whooping 18 billion dollars. This made UTC a more prominent company than it was already. He later retired in 2014.
The American Institute of Architects (AIA) was first founded all the way back in 1857, making it one of the oldest professional organizations in the United States. It was founded by a group of thirteen architects who wanted to establish a standards-based group for the industry, as prior to its formation, anyone could claim to be a architect. AIA’s goal is to offer support, education, resources, and other things that are meant to support architects and further the profession. Originally dubed the “New York Society of Architects”, the group was quickly given its current name. In order to be a member of the AIA, one must be a licensed architect in the United States and must adhere to a strict code of ethics. This ensures that they are dedicated to provide their clients with the highest quality and standard of work.
The AIA is headquartered in Washington D.C. and is made up of over 90,000 members across the country. Aside from the organizations Board of Directors, the AIA employees over 2,000 people in full-time positions and has offices in Asia and Europe as well. In 2010, the AIA named Robert Ivy its Chief Executive Officer (CEO) and Executive Vice President. Ivy is an architect with over 30 years of experience, who holds a Master’s in Architecture from Tulane University (New Orleans) and a Bachelor’s of Arts in English from Sewanee: The University of the South.
Robert Ivy is the author of many architecture periodicals and articles, making him well-known as an industry expert. He wrote the 2001 biography of Frank Lloyd Wright’s apprentice, Fay Jones, that is titled, “Fay Jones: Architect”. Ivy has served as Editor in Chief of the Architectural Record, Vice President and Editorial Director at McGraw Hill Construction Media, and served as on the panel convened to name an architect for the Dwight D. Eisenhower Memorial. Prior to his time at the Architectural Record, Robert Ivy spent 15 years as a principal for Dean/Dale, Dean & Ivy. He has been an acclaimed architectural critic for a number of years, making him one of the most respected minds in the industry. Visit:http://www.zdnet.com/article/qa-robert-ivy-ceo-the-american-institute-of-architects/