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GreenSky Credit’s David Zalik Paves the Path Towards More Efficient Home Loans

David Zalik drives up in his black Mercedes convertible towards the parking garage of an aged low-rise office structure near Atlanta and takes off the baseball cap that protected his balding head from sun rays. “This here is a less glamorous variation of Willy Wonka and the Chocolate Factory, nobody goes here,” he informs me as we near the entrance.

With that, we were the first public witnesses to the large, irregularly shaped lower office where GreenSky, the United States third-most-valuable fin-tech business (after SoFi and Stripe), has been resting in obscurity for the last ten years.

It is Zalik who has the golden ticket. The past September, GreenSky obtained $50 million at a $3.6 billion appraisal in funding. The 43-year-old CEO and co-founder still possesses over half of the business, placing him well into the billionaire levels.

His intrigue beings in the hardly lit labyrinth of cubicles, the place where employees with headsets explain GreenSky’s simple-to-use mobile application to home remodeling constructors and contractors.

It is an odd consumer foundation for a fin-tech unicorn, however, Zalik found out that contractors were the gatekeepers of some of the greatest markets in the United States. Yet another number of the company’s phone reps are working to help homeowners catch up on their loans.

Getting money on time generally isn’t an issue, though. While GreenSky has the ability to quickly approve and acquire unsecured loans, it does this solely for borrowers with acceptable FICO scores, allowing a slew of other online loaners to chase the outliers.

However, GreenSky’s real secret is something you cannot witness. A model assigns much of the uncertainty and the work to other entities and returns from both ends of every deal. Those 17,000 contractors don’t just market the deals to homeowners but also pays GreenSky, typically, 6% of the credit amount. It is 14 deposit-rich banking partners such as Regions, SunTrust and Fifth Third (which recently produced the equity investment with Zalik’s business), that are the ones actually making the loans.

“We were inspired to create something where we controlled the transaction,” Zalik mentions.

How Boraie Development is setting real estate standards in New Jersey.

In the recent years, New Jersey has experienced a burgeoning of upscale real estate projects, but one developer, Boraie Development LLC, has been running the show.The real estate business is flooded with many eager beavers, but few stand the test of time. Boraie Development is a reputable real estate developer, best known for their magnificent and striking properties in New Jersey and also in other states. You cannot have a serious talk about the real estate industry in New Jersey, without hailing Boraie. The developer has redefined urban living in the state, and cultivated a change in ambiance, giving the residents alternative housing options. Boraie Development is on a mission to put New Jersey real estate business on the map, and from the look of things, they are just warming up. For more details visit Crunchbase.

The Aspire Project

According to Patch, the Aspire is Boraie’s latest project in New Brunswick. The Aspire consists of 238 residential units and an additional 10, 000 square feet for commercial. More often than not, the success of a real estate project is determined by the location. Well, The Aspire, being a walking distance from the New Brunswick Train Station, could not be better positioned. When Boraie is involved in a project, you expect unmatched standards of comfort and luxury. That means a fully equipped fitness center, rooftop sundeck, ample parking, top-notch security, convenient elevator access, green gardens, and barbecue space. With all these amenities, The Aspire is a culmination of affluence and opulence.

Newark Projects with Shaquille O’Neal

A blossoming partnership between Boraie and NBA Hall- of -Famer Mr. O’Neal, better known as Shaq, has seen the duo complete some real estate projects in Newark and Atlantic City. Mr. O’Neal, a native of Newark, has been investing his fortune in real estate projects in partnership with Sam Boraie. CityPlex12 Newark is among the projects completed by the duo. A theatre, a commercial complex, and residential towers are among a host of on-going projects in Newark and Atlantic City, sponsored by Shaq and Boraie.

More about Boraie Development

The company offers a range of services related to the urban real estate. This includes property management, sales/marketing, and real estate development. Boraie is committed to building the most exceptional structures without inconveniencing the client. As a result, Boraie partners with the most reliable finance institutions, trustworthy contractors and experienced architects. Boraie Development LLC is located on 120 Albany Street, Suite 800, New Brunswick, NJ 08901.



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Majestic Waiakea Hawaiian Volcanic Water

Have you heard of Waiakea Hawaiian Volcanic Water? This water is highly unique because it is naturally filtered. Instead of bottled water from fresh springs the water source is rain and melted snow that runs down Hawaiian volcanoes being filtered by the volcanic rock. The resulting product is everything that you could want in bottled water. The naturally filtered water is highly alkaline due to the Waiakea Water ph, rich in minerals, and full of electrolytes.

Waiakea Water’s source is not the only thing that makes it stand out. Ryan Emmons, the owner of Waiakea Hawaiian Volcanic Water, took great care in the bottling of the water. Not only is the packing healthy for the consumer it is good for the environment. The bottles are made from rPET post-consumer recycled plastic resulting in low emissions.

This status allowed Waiakea to be one of the first premium bottle water companies in the world to receive the recognition of being certified Carbon Neutral. In addition to the bottling of this natural water, the bottles themselves are good for nature because of an additive called TimePlast. With this additive the bottles are able to decompose in 15 years as opposed to the average 1500 years for regular water bottles.

But Ryan Emmons did not stop there. He uses the purchases of Waiakea Hawaiian Volcanic Water to further humanitarian efforts. For every liter of Waiakea Water sold a week’s supply of clean water is donated to areas where clean water sources are not readily available. With the help of Pump Aid wells and water pumps are dug to accomplish this effort.

Waiakea Water is certainly a testament of innovation in every form. The witty owner created a way to bring unique, healthy drinking water to consumers worldwide, to bring that water to consumers in a package that is healthier for consumers and the environment, and how to help those who are in need of clean water. These are certainly persuasive reasons to try this majestic water today.

Stream Cares: Stream Energy Gives Back With New Charity

Stream Cares, a new charity founded by Stream Energy, is hard at work using the company’s resources to help the victims of Hurricane Harvey and others who are in need.

The storm hit the United States in late August 2017 and quickly tied with 2005’s Katrina as the costliest hurricane in the nation’s history; aside from more than 100 direct or indirect deaths, it caused $125 billion worth of damage. With many of its victims still struggling one year later, Stream Energy decided to create one more group to help with the relief efforts.

Stream Energy is a company that sells energy directly, with its associates building close relationships with clients (both residential and corporate) and providing a variety of different services. It has a history of corporate philanthropy; in the past it has worked with both the Red Cross and Habitat for Humanity. In a sense, Stream Cares is just a new and hopefully more efficient way for the company to continue giving back to the community.

Helping the victims of Hurricane Harvey will not be the new charity’s only goal, either. Stream Energy has a long history of trying to help the homeless, and has kept track of how the issue has developed in Dallas over the years. With the 24 percent increase that the storm brought to the city, now seemed like a good time for them to step up their efforts.

To that end, Stream Care has already made an alliance with another charity, Hope Supply Co., which focuses on supplying homeless children in the area with essentials like clothing, school supplies and diapers. They also hold the annual Splash for Hope, which brings disadvantaged kids for a day at the water park; this year, Stream covered the costs.

Stream Cares is also working for less fortunate veterans and their families. Operation Once in a Lifetime focuses on helping them with transportation, while the American Girl Doll Experience provided supplies and free American Girl Dolls to ten daughters of veteran families; they were also treated to lunch at the American Girl Cafe, with Stream covering expenses.

Meet Rodrigo Terpins the Rally Driver and Founder of Floresvale

The destiny of our lives is influenced by the people who brought us up. The environment we grew up in, has a lot to do with who we become. The life of Rodrigo Terpins illustrates this best. The Terpins family is known for their success in the sports activities. Jack Terpins is known for his success in the Latin American Jewish Congress as the president. Michel Terpins, his brother, is also a rally driver.

Growing in this environment led to his interest in the rally driving sports. The sport is loved by many, but only a few are ready to participate. It is considered dangerous. There are many terrains that one has to conquer to be termed as a winner. Rodrigo Terpins has acquired many fans through his perseverance during the races. Despite the rough roads, he never gives up; he keeps working to be the best. The fans have learned the need to keep pressing when they are faced with challenges from Rodrigo’s struggles to win.

Far from the sporting activities, Rodrigo Terpins is also the founder of Floresvale. Floresvale aims at protecting the environment and increasing the supply of certified wood in Brazil. Coping with his two worlds of business is not an easy task. Rodrigo explains that he has to divide his time between the countryside and the urban life. He ensures that he is connected to make use of the commuting time. For more details visit


Running Floresvale requires intelligence. He says that he brings his ideas to life by ensuring that he discusses all the ideas with his partners. He has learned many lessons along the way. For instance, they have embraced the acquisition strategy to earn more in a short time. Instead of starting planting of trees from scratch, they buy planted forests. Rodrigo Terpins has also made mistakes that he has learned from, to become a better business person. For instance, they bought a farm that wasn’t good for their business, and they have been working hard to find a buyer.

Rodrigo Terpins says that he ensures he is updated on the things that happen in the world before making any decision. This way he makes informed decisions.



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Sahm Adrangi Finds Irregularities In An Advertising Firm

Kerrisdale Capital has taken a look at how certain advertising firms have made revenue over the years, and one that they’ve been highly skeptical of is QuinStreet. QuinStreet usually has made its revenue off of making different sales referrals to various insurance companies, or other professional services companies. But Kerrisdale CIO Sahm Adrangi has noted that the company has come under scrutiny for engaging in some questionable marketing leads for school ads targeted at military veterans, and now he says there may be traffic manipulation going on with some of its ads. While this practice in using certain platforms such as Swagbucks clickers to get ad clicks isn’t illegal, Adrangi does believe it affects the company’s bottom line. He put out a detailed report about it and has taken a short position on the company.

Sahm Adrangi has made most of his company’s revenue in shorting stocks of companies that he’s found to have unsustainable or questionable business practices. But in doing so, he’s had all research done on those companies from their management, financial strategies and where their bottom line comes from. The idea behind what Sahm Adrangi does is to bring more transparency to deceptive practices in different industries, and to give investors information that many mainstream media outlets have not. Along with shorting stocks in overvalued companies, Adrangi has also found companies undervalued that have later grown.

Sahm Adrangi has a distinguished resume in finance with a bachelor’s degree in economics from Yale. He began as an analyst in the credit division of Deutsche Bank and also part-time at Chanin Capital Partners. Adrangi also managed billions in assets at Longacre Management, a major hedge fund at the time. He founded Kerrisdale Capital in 2009 with less than $1 million, but today he manages over $170 million in the firm’s portfolio. Among the stocks he has shorted include several Chinese companies that were convicted of fraud by the SEC, and some insights into the ways that telecom companies like DISH Network and ViaSat that became of interest to shareholders. Adrangi has been interviewed several times on networks like Bloomberg and CNBC.

Guilherme Paulus Prominent Brazilian Businessman

Guilherme Paulus, founded CVC Brazil in 1972 at the age of 24 with Carlos Vicente Cerchiarz and the GJP group in 2005. CVC a tourism business, also known as Operadora e Agência de Viagens CVC Tour LTDA, generates an annual revenue a 5.2 billion dollars and increases every year by partnering with hotels and airlines, now the largest tour operator in Latin America Guilherme Paulus sold all but 8% of the company for 750 million dollars. CVC Brazil opens 100 stores each year in less populated areas to attract new clientele.

Paulus is the president and chairman of the board at GJP hotels and resorts. GJP’s top 2 locations, Saint Andrews and Wish Serrano Resort, are located in Serra Gaúcha. Guilherme Paulus desire for new hotels and resorts has led to the construction of a new GJP luxury hotel in Sao Paulo with a new flag, which means a new brand in the GJP group. The new hotel with 65 apartments and a restaurant is scheduled to open between 2020 and 2021.

Social accountability is a large concern of Guilherme Paulus. This is evident through his services to the community such as his involvement in the PIET project, which provides educational opportunities for disadvantaged youth, and the fact that he spent six hundred million dollars of his own money to build hotels in Brazil generating 1.9 thousand jobs. Guilherme has won several awards including Entrepreneur of the Year award, best golf hotel award, many Brazilian awards such as personality of the year, and awards from several governments. Both Guilherme Paulus and his companies are nationally and internationally recognized with Paulus being a member of the national tourism Council for approximately 15 years. Guilherme’s drive and ambition are the reason for his success, he bought a small Airline called Webjet and sold it as the third largest airline in Brazil, he also turned his business degree into an near five-decade career in tourism.

Bernardo Chua: Expanding The Health and Wellness Business

Bernardo Chua hails from the Philippines. He has worked in the multi-level marketing business for quite some years. In his lifetime, Bernardo Chua was an executive at the Gano Excel in the Philippines and within a span of three years, the firm was able to undergo expansion in Canada and Hong Kong as well as in the United States. Bernardo dislocated to California where he became the Gano Excel president in the US doing more marketing the products with the Ganoderma. These products include the instant coffee, capsules, and food products. Find out more about Bernardo at TheStreet

Bernardo founded the ORGANO GOLD that entails a number of companies that operate under that name in their trading accomplishments. Bernardo’s vision for the firm is to sell a wide range of bioactive coffee products that are healthy and contains the Ganoderma lucidum that is extracted from lingzhi mushroom. These extracts and products are promoted, marketed, and sold to a multi-level marketing distribution network business that has been established for some time in a wholesale manner. These are further sold out on retails price to the consumers in different regions in 2015, Organo Gold rebranded the business name into ORGANO, however, its services and vision remained intact. This means that they would continue selling and distributing the consumables through a broader network by various kinds of independent distributors. In 2013, the company was ranked 55th largest in the world over the wonderful network of marketing. This was announced in the Direct Selling News Top 100 rankings.

Bernardo has ever worked with Leow Soon Seng who mentored him greatly. Upon the good relationship and hard work, he rose to the level of establishing a great company: ORGANO. In less than five years, the firm has expanded and established some operations in Asia and Singapore. In the year 2015, Bernardo Chua and his colleagues at Organo Gold were honored with a wonderful prestigious award of Dangal ng Bayan that saw the company receive two People’s Choice Awards. This award is a bold recognition of the best Filipino achievers and products that have held on their vision and shown ability in encouraging other Filipinos the ways of excelling in the business in the world marketplace. Visit:


Innovacare Health Providing Reliable and Affordable Healthcare Packages

Innovacare Health is a prominent name in the medical insurance and healthcare services sector in the United States, especially in North America. The Medicare plans offered by Innovacare Health are comprehensive as well as affordable with a lesser amount of deductibles. The company provides its products through its well-known subsidiaries Medicaid Programs and Medicare Advantage. In today’s date, the healthcare expenses have been shooting up rapidly, and Innovacare Health has been trying to make health care easily available as well as accessible for the people. The medical care plans offered by Innovacare Health are very flexible and affordable and designed to meet the needs of the people. For more details visit Crunchbase.


One of the reasons why Innovacare Health has become so popular among the people is because their healthcare plans are very flexible and can be customized. Often people pay more for the healthcare plans than what they need and thus, end up over-spending on health care plans. However, with Innovacare Health, you can be sure that you would be able to get the coverage you are looking for without spending a lot. In the last few years, Innovacare Health has been able to expand its network across the country and has more than 7,500 affiliate and medical services, provider. There are nearly 300,000 customers of the company, and its customer base continues to grow with time. Innovacare Health introduces many new products in the last few years and have also won many awards for its quality products and services. You can visit



The growth of the company can be attributed to its leadership. Rick Shinto is the Managing Director of Innovacare Health, and Penelope Kokkinides is the Chief Administrative Officer. They have contributed heavily to the growth of the company and expanding its business network to different parts of the country. Along with the outward growth, Rick Shinto has also focused on internal management and helped in boosting the efficiency of the company. Rick Shinto has worked with many other medical companies in the past, including Aveta, where he was positioned as the Chief Operating Officer. Penelope Kokkinides has also worked with many other companies in the past including Centerlight Healthcare, Americhoice and even Touchstone Health. The experience Dr. Rick Shinto and Penelope Kokkinides has gained in working for these companies are what have helped them take Innovacare Health to new heights of success. Innovacare Health continues to work with the customers to develop innovative health care packages.





What You Need to Know About NewsWatch TV: How it Beats the Rest of the Competition

NewsWatch TV just lately has earned multiple awards for achievement in 30-minute entertainment TV programming. NewsWatch got recognized with “Platinum” and “Gold” concerning the reputable Marcom Award and gained “Excellence” in the Videographer category, one of the sought-after awards in the video world. NewsWatch has additionally earned awards previously with their national TV show such as a Silver Telly Award.

NewsWatch TV evaluates consumer products, top technology and organizations to their national audience in the US. NewsWatch TV earned a Platinum and Gold “Marcom Award” with their national 30-minute television program. The Gold and Platinum honors are the two greatest achievements that can be obtained for “Television-Broadcast & Cable“.

NewsWatch TV was been additionally recognized with the national “2017 Videographer Award” in excellence with 30-minute entertainment shows. That is the greatest of three levels for their yearly awards competition and is the hardest to acquire.

The Videographer Awards is one of the most established and respected awards presentations in the field.

About Marcom Awards

MarCom Awards acknowledges excellence in communication and marketing while honoring the hard work, creativity and generosity of market professionals. Ever since its establishment in 1995, MarCom has grown into one of the most well-known, respected creative contestants around the globe.

Every year around 6,000 digital and print entries are entered from dozens of nations. MarCom is conducted through the Association of Marketing and Communication Professionals. This international company, organized in 1995, is made up of several thousand communication, marketing, public relations advertising, digital and web specialists.

About NewsWatch TV

NewsWatch TV broadcasts nationwide in the US and can be watched in almost every field around the country. Every edition of NewsWatch transfers to more than 96 million sets nationally. Found in Washington DC, the NewsWatch team provides decades of broadcast expertise.