GreenSky Credit Goes for the Under-Utilized Consumer

GreenSky Credit may have only existed since 2006, but it is certainly no underdog. In fact, it is currently listed as number three among the top fintech companies in the United States. This success is due to the unrelenting work of David Zalik, the CEO and the founder of GreenSky. This company works because it targets a previously underutilized customer. GreenSky mainly works with home renovation contractors who are then able to present homeowners in need of remodeling with the option to finance a loan for the project. The entire loan application and approval process generally only takes 5 to 10 minutes, and most customers are presented with an answer on the spot. This allows renovations to happen quickly, contractors to get paid quickly and GreenSky to succeed.

The other amazing part of GreenSky Credit is that it does not do all of the loan servicing itself. While it does have some loan officers in its office, it outsources the funding for all loans to other banks, such as Fifth Third. GreenSky is simply the middleman and makes money off the consumer’s need for a loan and the bank’s desire to stay out of the loan negotiation process. GreenSky can still present great terms and loan amounts and mainly provides loans to individuals with good to excellent credit. While renovation contractors are the main group of people targeted by GreenSky Credit financing, other businesses, such as health care organizations and retail stores, can also take part in this opportunity.

David Zalik was primed to create a thriving fintech company since the time he was a teenager. The son of immigrants, he was able to go to college by the age of 13 after passing the ACT. Instead of graduating from college, he took his profit-making skills and knowledge from his time there to start his first profitable real estate company. Although he has not always been met with success, GreenSky Credit is a monument to his hard work and his ability to see exactly what sort of financial services underutilized consumers need.

Saad Saad and Inquisitive Kids

Parents often panic after their kids swallow random items that are around the household. This makes complete sense, too. Dr. Saad Saad is an established doctor who works in Eatontown in New Jersey. He’s extracted items from the trachea and the esophagus for 40 years now. That’s the reason he knows a lot about aiding kids who have consumed strange things for whatever reason. This pediatric surgeon has aided 1,000 plus kids throughout his journey at work. Some of the kids were merely six months in age. Others were as old as 14.


Children are born inquisitive creatures. That’s the reason they’re susceptible to placing items in their mouths all the time. Small kids are notably susceptible to the hazards of swallowing things they shouldn’t. Parents get frightened by the idea of their kids eating odd things, and that’s totally understandable. If a child has an item that’s trapped inside of his throat, he may begin wheezing. He may have difficulty swallowing. He may have difficulty with the breathing process, too.


Parents can in many cases aid children with items that are trapped. They can frequently aid those who aren’t even six years old. They can do so by placing their physiques “bottoms up” and carrying them via their legs. They can lightly pat their backs during this, too. This typically will lead to the item swiftly coming out. Parents should try another option with children who are six years and older. They should conduct the Heimlich maneuver. They can do this by going in back of their children, encompassing their waists and pushing their cautious hands onto their lower stomachs. They can do this underneath their ribcages. This typically encourages the item to rapidly come out. If these strategies are fruitless, parents shouldn’t feel nervous. They should just go straight to the nearest emergency room.


Dr. Saad Saad has worked on a wealth of bronchoscopies and endoscopies over the course of his work journey. He’s an imaginative thinker who actually created an endoscopy enhancement method. This aim behind this was to assist fellow doctors with endoscopies. Endoscopes, in short, are optical tools that professionals employ as a means of viewing the interiors of peoples’ windpipes.


Dr. Saad Saad thinks that there are a couple of items that are often seen in homes that are remarkably hazardous to kids. These are peanuts and batteries. Parents should be cautious about both of these things.

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Hussain Sajwani, The Founder and Chairman of DAMAC Properties

Hussain Sajwani, a UAE national, graduated from the University of Washington and began working in GASCO as a Contracts Manager. He later set up a private food services business and a catering venture in 1982 where he catered to the U.S. military and established Bechtel. He built several hotels in the mid1990s to accommodate businesspersons coming to the UAE. He founded DAMAC properties in 2002, and it has grown to become one of the Middle East’s largest property development companies.

The DAMAC owner is an outstanding expert in the real estate world specializing in administration, finance, legal, sales, and marketing. Hussain Sajwani’s experience as a real estate developer is behind the quick growth of DAMAC Properties, and today it has set up prestigious projects in large cities such as London, Dubai, Riyadh, Jeddah, Beirut, Amman, Doha, and Abu Dhabi. DAMAC Properties is a publicly-listed company, which has nearly 2000 employees and it trades its shares on the Dubai Financial Market trades. DAMAC Properties has a development portfolio of more than 44,000 units and has developed more than 20,230 state-of-the-art homes to date.
Besides his role as the Chairman of DAMAC Properties, Hussain Sajwani has gained a competitive streak in both the global equity and capital markets. Mr. Sajwani also owns a flagship investment company, DICO Investments, which specializes in private equities, mergers, and acquisitions. His family has close a relationship with influential politicians and prominent businessmen such as Donald Trump. In his speech on the New Year’s Eve, Trump described his relationship with Hussain Sajwani as a solid one. Mr. Sajwani hopes to enhance business with the Trump Organization, which is a real estate firm owned by President Donald Trump. In fact, DAMAC Properties joined forces with the Trump Organization to set up the renowned Trump International Golf Club.

On behalf of DAMAC Properties, Hussain Sajwani gave out 2 million to charity in 2013 to help less privileged children around the world buy clothes. This donation was towards supporting Ramadan Initiative, a campaign aimed at buying clothes for a million children around the globe. According to Hussain Sajwani, the contribution was part of the DAMAC Properties’ support to help the Dubai government end poverty.

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Bradesco Successes Solidify Luiz Trabuco Legacy

     Born on 6th October 1951, Luiz Carlos Trabuco began working for Bradesco as a clerk in 1969 as a teenager, and he went on to dedicate over four decades to the giant financial institution. Working various jobs to get through college, he gained an unmatched and in-depth experience that bolstered his career and helped him rise through the ranks at Banco Bradesco. His meteoric rise has been based on a work record that speaks for itself and a dogged determination. He has served in almost every capacity within the group but it his appointment to the head of Bradesco Seguros that his career began to sparkle.

While at Bradesco Seguros, Luiz Carlos increased the subsidiary’s contribution to the group’s financial outcome bring in 35% of the group’s earnings. The company’s return on equity also took a major turn and rose by almost 10%. These successes and the fact that Seguros doubled its asset base during his tenure contributed greatly to his appointment as President of Banco Bradesco. Though a giant, the bank was struggling to stay alive in the market when he took over.

The previous president, Marcio Cypriano had led an acquisition spree just before his exit, and it fell to Luiz Carlos Trabuco to consolidate the different cultures and policies that came with the new acquisitions. Not only did he have to harmonize all the operations to Banco Bradesco standards, but he also had to plug a few leaks that were draining not just money but also human resources. A bad culture had culminated in high employee turnover, and a bad pension scheme had almost sunk the bank.

After extensive restructuring, Luiz Carlos Trabuco introduced innovations at the bank. Though he is best known for the historic acquisition of HSBC Brazil, he is also behind many of the bank’s new wave of brand promotion. A loan scheme for foreign students was introduced, this concept was unheard in Brazil, and it gave Bradesco a leg over its competitors. For the younger Brazilians, an online banking platform was introduced, and this had a response that was almost instant.

With his recent appointment to the post of chairman, Luiz Carlos Trabuco is not only head of the second largest financial institution in Brazil. He is at the top of the business world highly sought after with not only corporate headhunters after him, but there was once an offer for him to take the title of Brazil’s Minister for Finance.

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Lacey and Larkin’s Unlawful Imprisonment by the Sheriff

Throughout the US history, unusual and controversial presidential pardons have been issued, and the recent one was released by President Trump being his first pardon to Joe Arpaio. Learn more about Jim Larkin and Michael Lacey: and

Joe Arpaio is the toughest America’s sheriff in Maricopa, who is famous for his notoriety and wrongful imprisonment of Jim Larkin and Michael Lacey being one of his heinous acts.

Jim Larkin and Michael Lacey are village voice owners who teamed up to helm Phoenix New Times after Jim Larkin dropped out of Arizona State University in 1972. When Lacey was the executive editor and Larkin the head of the advertising activities, the audience of free paper which explored a variety of political and social issues grew and their prominence raised among the country’s growing schedule of alternative newspapers.

On October 18, 2007, Larkin and Lacey were detained at their homes and jailed due to exposing in Phoenix New Times that the paper’s writers and editors were the grand jury subpoenas target. Joe Arpaio was the instigator of the arrest, and due to public outcry, within 24 hours all the charges were dropped.

The coverage was all about Arpaio overly aggressive law enforcement strategies, which were defining the Sheriff’s department since 1992 when he was inaugurated into office. His infamous orders against the woman and inmates were brought to light for several times before by several publications developed.

Joe Arpaio disobeyed the charges that were laid against him and continued with his work and also motivating his employees to remain with racial profiling. He stayed for years with this practice until the people started to oppose his abuses and finally, the attention of the reporters was caught.

It was at this moment that Michael Lacey and Jim Larking began to write multiple things about his notoriety and exposing him to the American public and this became the cause of their arrest. At the time when Larkin and Lacey released these stories, there were none of the newspapers covering him at all.

However, after the release, more newspapers started publishing information and articles related to Lacey and Larkin’s work. Therefore, the Scandal magnified to the extent that it received the national coverage.

Currently, Lacey and Larkin run one of the largest organizations, also they used their retirement time and settlement cash to create Frontera Fund. It is a group that aids Latinos and other individuals that belong to the society to protect their First Amendment rights.

HCR Wealth Advisors Providing In-Depth Financial Consulting Services

There are many different kinds of financial and investment instruments made available by the banks and other financial institutions these days. These investment and financial instruments are meant to help people achieve their financial goals, and each of these options has a wide range of economic characteristics. For people who have a background in finance, it is easy to differentiate what they want and what is right for. But for people who are not that finance-savvy, it can be challenging to choose the right investment option for themselves. HCR Wealth Advisors is a company that can help you through such confusion and ensures that you can find the investment products that would help you to secure your future financially.

The people these days are overwhelmed by the number of financial products that are available in the market, and it can be tough for the people to choose which one they should invest in. Each of these products has some characteristics that are good, and some that are useless or not required. The investment products these days cannot be readily understood by a layman, and that is why you would need the professional guidance of a registered investment advisory firm such as HCR Wealth Advisors. They have three decades of experience in the investment advisory business and can provide you with the guidance you need to help to secure your future financially. HCR Wealth Advisors has several experienced financial professionals on board who can consult with you thoroughly before providing you with the investment strategy that is custom-tailored to fit your requirements and financial goals.

HCR Wealth Advisors has developed a method in creating a retirement plan after carefully analyzing the current market situation and linking it with the financial status and expectation of the client. It helps in coming up with the exact amount that the client would need to spend life comfortably financially in retirement. HCR Wealth Advisors not only helps with mapping out the financial future of the clients but also provide continuous guidance on how to manage the finance to stay on the decided track and help to achieve the long-term economic and wealth creation goals without any difficulties. Follow HCR Wealth on Facebook.

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DAMAC Owner Hussain Sajwani and The Recap of The Practical Insight He Shared with Ideamensch

There are many global brands today that attempt to offer the best solutions for investing in real estate. Most of these companies offer practical solutions. But many of them would also be shady and won’t be able to offer the most profitable investment programs for its shareholders. One of these business leaders who always give the best profitable programs for its investors is Hussain Sajwani, the DAMAC owner, CEO and founder. It is in the interview that Hussain Sajwani did at Ideamensch that some of the many ideas that allowed DAMAC to lead in its programs are explained.

As mentioned in a post, one of the many insight in Ideamensch that people can learn from Hussain Sajwani as a DAMAC owner is the idea of acceptance. The DAMAC owner would probably not reach the kind of success that he has today if he didn’t accept both the success and failure that he’s been through since he founded his company.

It is also learned in the interview that the venture that Hussain Sajwani in the real estate didn’t really start in such sector. He first started his big-scale business in the catering industry in 1982. The catering business he led since 1982 had grown to become one of the market leaders in the competition. It had even reached to more than 200 projects and had built networks with various clients in Middle East. It had also even reached to serving about 150,000 meals daily for its clients varying across Middle Eastern states, as well as in CIS and Africa.

After the catering business, it’s now the time when Sajwani finally decided to go in the real estate business with DAMAC Properties, which was established in 2002. Since being established, DAMAC has grown to a network that has built connections with famous luxury developers in United Kingdom and Middle East.

Personally, Sajwani is able to achieve all these goals because of the support of his family. He is married now with four children and lives with them in Dubai. His son is also an achiever who graduated from the North Eastern University. With his family, he gets the inspiration to do his best as well as the drive to move further in his career.

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The Background of Victoria Doramus and her Philanthropies

Victoria Doramus is an accomplished market trend analyst with an extensive background in advertising, media, communications and branding. Based in London, United Kingdom, Doramus has worked with various agencies located in the Los Angeles, CA, areas including the Creative Arts Agency, Stila Cosmetics, Mindshare and Trendera. Some of her professional work include developing visuals for the holiday and summer J. Crew catalogs, producing trend segments for Good Morning America and the View. Doramus (@victoriadoramus) attended the University of Colorado in Boulder and received her Bachelor of Arts degree in Journalism and Mass Communication in 2006. By 2012, she focused her studies on contemporary art and design and enrolled in fashion history courses at the Sotheby’s Institute of Art of London, UK.

Victoria Doramus is well-known in the industry for her comprehensive knowledge relating to consumer retail trends as well as global market trends that span across retail fashion, lifestyle and design. She has written numerous articles based on lifestyle trends and was a guest trend correspondent for USA Today, Cosmopolitan and the Huffington Post. In 2014, Victoria Doramus worked for a year while living in New York City as a personal assistant to Peter Berg, an American actor, producer and television and film director known for Friday Night Lights and Ballers. Doramus is actively involved in various charities such as the Amy Winehouse Foundation, Room to Read, Best Friends Animal Society, Women’s Prison Association and many other organizations and causes that are dear to her. Know more about Victoria Doramus on LinkedIn.

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Ryan Seacrest is on the Move and He is Showing no Signs of Slowing Down

Host Ryan Seacrest is a household name. A lot of people might not be familiar with his name, but they at least heard of it. They also probably have seen his face on TV. At least 38.6 million viewers tuned into this program by the end of the second season. The ratings for this program was extremely high and the program helped Seacrest to gain more popularity among the masses.

Seacrest was already forging his legacy before Idol debuted in 2001. He was already doing his radio program On Air Live with Ryan Seacrest out in California. He also has another program titled American Top 40 with Ryan Seacrest. Seacrest even worked with the legendary Dick Clark before he passed. He now hosts Dick Clark’s New Year Rocking Eve.

Ryan Seacrest has to balance his priorities since he works so many jobs. He utilizes a team of professional managers from each division of his life. They all report to him and he has to make decisions about his various companies and endeavors. Without this support, Seacrest would have a harder time managing his diverse career.

Live with Kelly and Ryan is a daytime talk show that is also helping to build up his brand. Ryan works on this program in a studio which allows him to have access to his other ventures. They are all centrally located so that he can realistically juggle all the different things that he has to do. Ryan works out in the morning before he starts his busy day. He also makes it a point to eat healthy and to stay committed to his many different endeavors.

Mr. Seacrest is not showing any signs of slowing down. He enjoys everything that he is doing, and he wants to excel. Right now, Ryan Seacrest (@ryanseacrest) is at the peak of his career. He is doing everything to ensure that his various endeavors are staying on track and are successful.

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