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Cisive Honored in CIO Applications’ Top 25 HR Tech Solution Providers 2020

Cisive, a global provider of compliance-driven human capital management and risk management solutions, today announced it was named by CIO Applications as one of Top 25 HR Technology Solution Providers 2020. CIO Applications recognizes HR leaders’ need for an expert HR solution provider that can develop and strengthen the capabilities of corporate HR teams while bringing the advantages of quality and efficiency to the fore. Their Top 25 HR Technology Solution Providers list represents the most proficient HR solution providers in the industry.

“Cisive is honored to be recognized as one of the top 25 HR technology solution providers by CIO Applications, a testament to our commitment to quality and efficiency throughout the years,” said James Owens, President and CEO at Cisive. “In order to effectively partner with our clients as they face hiring challenges in a rapidly changing global environment exacerbated by the pandemic crisis, Cisive is prepared to continue serving the business community during these unprecedented times. More than ever, we are focused on delivering innovative technological solutions that provide the HR community with the key information to meet their hiring goals and critical business needs.”

Cisive’s core onboarding and pre-employment background screening offering provides clients with a streamlined, high quality, and regulatory compliant solution. The company’s comprehensive services include background screening, vendor/contractor screening, executive screening, drug testing, fingerprinting, paperless onboarding, and electronic Form I-9/E-Verify solutions.

In addition to being named as one of CIO Applications’ Top 25 HR Technology Solution Providers in 2020, Cisive has previously been honored as Company of the Year by CIO Review and as one of 2019’s 50 Most Admired Companies by The Silicon Review. For more information about Cisive’s suite of solutions, visit http://www.Cisive.com.

About Cisive

Cisive is a global leader in compliance-driven human capital and risk management solutions, providing onboarding and pre-employment background screening solutions to address the complex challenges and needs of large enterprises with dedicated, in-country account management teams committed to customer satisfaction. Cisive is accredited by the Professional Background Screeners Association (PBSA) and was named for the third consecutive year by HRO Today to the 2019 Baker’s Dozen Customer Satisfaction rankings of Top Pre-Employment Screening Providers, in addition to being named Company of the Year by CIO Review. The company and its brands serve clients in financial services, transportation, telecom/media, healthcare, utilities and the home services end-markets, among others. For additional information, please visit http://www.cisive.com.

Posted in: Finance,Personal Finance,Services,U.S

Citisoft Announces New Leadership in UK Practice

Citisoft, a global investment management consulting firm, has announced the hire of David Higgins as Managing Director in their UK practice.

Citisoft’s portfolio of asset management clients continues to expand globally and David’s hire will strengthen the firm’s overall presence in Europe. Under David’s leadership, Citisoft plans to expand its delivery team based in London and capitalize on the firm’s longstanding reputation as a consulting leader in the UK financial services market.

“We’re excited to announce David’s hire to strengthen and broaden our presence in Europe. We continue to see both UK-based and global asset managers search for an experienced consulting partner as their operating models and technology rapidly evolve,” said Tom Secaur, COO of Citisoft. “David’s experience and leadership will help us meet the needs of our clients and the broader market while continuing to grow our global presence.”

David joins Citisoft with over 20 years of experience in asset management technology and operations. From 2005-2010, David was a consultant in Citisoft’s UK practice. Since that time, David has assumed senior responsibilities working for RBC, HSBC, Merian Global Investors, and Aviva Investors as the Head of Global Transformation, Operating Model and Suppliers.

“David’s 20+ years of experience in our space, coupled with his knowledge of the UK marketplace and pre-existing knowledge of Citisoft make him the perfect candidate to lead our UK practice,” said Paul Migliore, CEO of Citisoft. “We are absolutely thrilled to have the opportunity to bring David back to the firm in a senior leadership position. Under David’s leadership, we look forward to expanding our delivery team in the UK and providing on-the-ground service and experience to our global clients.”

This announcement follows the opening of Citisoft’s first Canadian office in 2018. Since that time, the firm has seen steady growth in both their client-base in North America as well as the number of clients in need of a consulting partner with deep experience in global markets. Citisoft has operated in London since 1986 and this key hire will capitalize on both Citisoft’s expertise in the UK as well as the firm’s need to meet the needs of clients with growing global footprints.

About Citisoft

Citisoft is a global consulting firm dedicated to servicing the investment management industry. Our staff and management bring credibility and hands-on knowledge to every facet of our client relationships, backed by a history of successful partnerships with leading investment management firms and industry service providers. With our deep understanding of all aspects of the investment management process, our clients benefit from our ability to identify industry trends and accurately assess their effects. Through our Advisory and Delivery services, we offer a full complement of consulting capabilities ranging from strategy formation through guiding and implementing successful business change. Learn more at http://www.citisoft.com.

Posted in: Finance,Finance Market,U.S

Data Media Associates Extend Patient Billing Solutions with Pay by Text from Everyware

Everyware is redefining healthcare payment processing and patient engagement by offering Pay by Text with two-way messaging that helps companies collect more payments. They are invested in giving health organizations and medical billing companies the best new way to connect, collect and reduce barriers to payment.

Data Media Associates, LLC (DMA), known and trusted for over 40 years for offering the latest ways to streamline the statement-to-payment process, is dedicated to helping providers get paid. Now, DMA will elevate its multifaceted payment solution suite even further by offering Everyware’s Pay by Text and two-way messaging solution into their mix.

“We’ve known text communication and billing were on the rise and have been planning to extend our SMS services for some time now. So we’re very excited to bring this new pay by text solution to our providers and their patients.” - Cleve Shultz, President, Data Media Associates.

The best healthcare billing organizations today already offer a mobile billing option. The forward-thinking ones, however, recognize growing demand for business-to-consumer texting. This includes billing via text message and accepting SMS payments alongside paper or other methods. Sending an invoice text ahead of a paper statement, following up with automatic reminder text, alerts and gives patients the chance to take care of their bill from their phone easily.

“Our healthcare clients have been surprised to be able to connect with patients they couldn’t contact by other means. With pay by text they hit the bullseye, got paid, and even re-engaged with patients wanting to schedule new appointments.” - Larry Talley, CEO & Founder, Everyware

With more people looking for frictionless, contactless payment methods to avoid touching cash, mail and plastic, Everyware’s Pay by Text is growing fast because it gives patients a way to pay from anywhere.

About Everyware

Everyware is a conversational payment gateway enabling Pay by Text and two-way messaging with customers. Making text communication a part of the purchase process improves the customer experience and helps companies get paid faster. Get started with Everyware for Healthcare, watch the Everyware Pay by Text video and follow Everware on Linkedin for the latest updates.

About DMA


Data Media Associates (DMA) LLC, founded in 1975 by Bob Murphy, is one of the largest independently owned and operated print and mail businesses. DMA services the medical community across the country with print and mail services for patient statements, collection letters, paper claims, and special notes. Service also features acceptance of electronic claims which are processed in real time, giving an immediate electronic remittance to submitted claims. To learn more, visit http://www.dma.us.

Posted in: Finance,Finance Market,Technology,U.S

Smart2Pay Adds Ant Financial’s HUABEI Credit Card To Its Payments Portfolio

Smart2Pay, the company with the world's largest coverage of online alternative payment solutions, has added Huabei credit solution to its 200+ payment methods portfolio.

With this new feature, Smart2Pay offers its Merchants an additional means to tapping into the Chinese market, besides the popular methods like Alipay, Wechat Pay and UnionPay that Smart2Pay already offers.

Huabei is Ant Financial’s virtual credit card for its Chinese users. Some internal shareholders estimated that, of Alipay’s 900 million Chinese users, more than half have created Huabei accounts. Huabei literally means ‘just spend’ and is generally perceived as a microlender.

Huabei may be used for all online and offline purchases via Alipay wallet. Users of Alipay can set Huabei as their default payment option, meaning that their purchases are first made with credit before funds are debited from their Alipay account. As well, when Huabei is used to shop, the user must return the amount of the payment on the 9th of the next month. There is an interest-free period of up to 41 days. Merchants offering Huabei can see conversion increase by up to 40%.

Huabei was launched in April 2015 by Ant Financial as a way for users of its wallet solution Alipay to fund purchases on ecommerce platforms run by Ant Financial’s affiliate, Alibaba group, such as Tmall and Taobao. Huabei’s main user base is made up of individuals born after the 80s and 90s, accounting for around 80% of the total users. Since Huabei’s launch, Ant Financial has been expanded the service to more online and offline merchants.

James Flinterman, CEO of Smart2Pay: We are proud to add Huabei via Alipay to our already extensive Chinese payment methods portfolio. We constantly improve and expand our services in direct relation to market dynamics. We are confident that, with this latest addition, our Merchants and partners will successfully expand further their business in a very digitally-oriented and lucrative market like China.

About Ant Financial’s Alipay

Alipay is a mobile payment method founded by Jack Ma’s Alibaba Group in 2004 and which allows users to create a digital wallet to store, top up and pay online or in store for products and services. It is one of the most popular methods of payment in China and is also available in many Asian markets, as well as in Europe, US and Canada.

Ant Financial’s chairman and CEO Eric Jing said on Alibaba’s 2019 Investor Day, held in Hangzhou, that Alipay (900m users) and its international e-wallet partners (300m users) have collectively served around 1.2 billion users worldwide.

About Smart2Pay

Smart2Pay offers a single API for all payment services to international Merchants, covering credit card and local payment options throughout the world! By using Smart2Pay, you will be offering the preferred local method of payment to your global Customers, thus significantly boosting your sales!

Posted in: Finance,Finance Market,Technology,U.S

Global Banking & Finance Review® Accepting Entries for Their Prestigious 10th Annual Awards

Over three million people read Global Banking & Finance Review annually, counting on us for our well-respected news, views, and analysis. This stretches across quite diverse areas touching on everything of solid importance in the extended international banking and financial spaces. A major highlight the platform delivers every year is the Global Banking & Finance Awards

In exciting news, we have recently announced that we are accepting entries for 2020’s awards and encourage interested parties to fill out a submission form on the platform’s official website. Entering is quick, easy, and completely free. By nominating, you stand to boost your company’s awareness, reputation, and leadership. Winning is universally considered a sign of quality for companies in the banking and financial world and is highly sought after.

“We are always excited for this time of year and getting to see who enters our Award competition,” Wanda Rich, Editor from Global Banking & Finance Review. “Every year more companies enter, and the competition becomes more and more competitive. Determining the top choices is something we take very seriously.”

The Awards reflect the innovation, achievement, strategy, progressive and inspirational changes taking place within the Global Financial community. The awards were created to recognize companies of all sizes which are prominent in particular areas of expertise and excellence within the financial world.

The entire Awards process from start to finish is free of charge. This includes nomination, selection and announcement of the winners on the website https://www.globalbankingandfinance.com and on the print magazine. 

The 2020 Awards are likely to be the most competitive yet, along with carrying the largest amount of recognition for winners.

For more information be sure to visit www.globalbankingandfinance.com.

Posted in: Business,Finance,Media & Communications,Technology,Telecom

San Francisco Bay Area-based Lifestyle Agencies af&co. and Ellipses Merge

Fresh on the heels of the successful launch of its partner branding and creative services agency, Carbonate, the evolution of af&co. (formerly Andrew Freeman & Co.) continues. The award-winning agency has officially announced its merger with Ellipses Public Relations, becoming one full-service communications agency. Operating as af&co., the 17-person firm is headquartered in downtown San Francisco and specializes in lifestyle, hospitality, food and beverage marketing and public relations, serving the Bay Area and beyond. Andrew Freeman continues his role as president and chief executive officer, and Ellipses founder and CEO Diana Haven fills a new chief operating officer position at the growing agency.

“Our two agencies have been close collaborators and referral partners for some time, and Diana and I have been friends for 15 years," said Freeman. “The merger of our two firms was the next step in the evolution and growth strategy for af&co. In addition to having amazing connections with the media, Diana and the team she has brought with her have deep experience in digital strategy, consumer packaged goods marketing and lifestyle public relations. This move gives us the opportunity to not only expand our offerings to new market segments but solidifies our place as one of the leading lifestyle firms in the Bay Area and nationally. As af&co. celebrates its 15th anniversary, the time was right and the combined talent of our teams is incredible. This is truly a merger of the minds and takes full advantage of our respective strengths as leaders and entrepreneurs.”

“It’s been incredible to watch both of our businesses thrive over the years, and this merger makes perfect sense. We’ve each built successful and respected agencies, and I feel the joining of the two is a game-changer for the Bay Area’s lifestyle PR and marketing industry. The merger is an incredible move for us, our teams and our clients, and I’m very excited to help lead the business into the 2020s and beyond,” said Haven.

About Andrew Freeman

A native of New Jersey, Freeman learned the restaurant business by working through the ranks at several legendary New York venues. At Windows on the World, Andrew was vice president of public relations and marketing and responsible for its relaunch after the World Trade Center bombing in 1992. At the Russian Tea Room, Andrew opened the Cabaret which became the toast of the town after only six months. He also spent six years as vice president of public relations for the Rainbow Room, working with restaurant legend Joe Baum. Prior to opening af&co., Freeman was vice president of public relations and strategic partnerships for Kimpton Hotels and Restaurants. He spent ten years with Kimpton, launching over 40 hotels and restaurants as well as the global brand. During his tenure there Andrew helped spearhead the LGBT travel program, which has garnered numerous awards and positioned Kimpton as one of the top companies for LGBT employment in the country. In 2002, Kimpton became the first hospitality company to receive a 100% score on the Human Rights Campaign Foundation’s Corporate Equality Index.

A dedicated philanthropist, Andrew sits on the boards of CUESA, Dress for Success San Francisco and The Richmond Ermet AIDS Foundation. He is a former board member of Meals on Wheels San Francisco, the San Francisco Convention and Visitors Bureau and the Anti-Defamation League, and was an advisor for the American Airlines LGBT Committee. From 2016 to 2019, af&co. has been named by the San Francisco Business Times as one of the Top 50 LGBT-Owned Businesses in the Bay Area.

About Ellipses and Diana Haven

Ellipses was founded in December 2007 after Haven’s 15-year career in public relations and television, which took her from promoting the performing arts in the early 1990s to working with tech clients in the “dot-com boom” of the late 1990s, then to TechTV as booking manager and producer from 1999 to 2002. Prior to Ellipses, she was the public relations director at The Ritz-Carlton, Half Moon Bay from 2003 to 2007. Her award-winning efforts, which included an outdoor concert series, celebrity chef and culinary classes, and an annual silent auction, contributed to significant increases in top-line revenue and international acclaim for the resort by driving annual media impressions from 600 million in 2003 to 1.2 billion in 2005.

A boutique agency headquartered in Oakland, Ellipses has represented more than 100 clients in the hospitality, travel, food, beverage and special events industries, launching over 40 restaurants and destinations throughout the greater Bay Area including The Culinary Institute of America at Copia, Fog City, Dumpling Time, La Marcha, Urban Putt, Lord Stanley, Niku Steakhouse and the Butcher Shop by Niku. Clients moving with Ellipses to af&co. include OCHO Candy, The Berkeley Boathouse and Altamirano Restaurant Group.

About af&co.

Celebrating its 15th year in 2020, af&co. is an innovative lifestyle marketing and media relations agency with clients across the country. The af&co. team has launched over 150 restaurants and hotels, provided ongoing marketing, public relations, and operations consulting for more than 200 others, and created unique culinary events of all sizes, from intimate dinners to food and wine festivals of over 10,000 people. In early 2020, af&co. launched Carbonate, a brand strategy and creative services agency. af&co. and Carbonate are known for bringing a fresh approach with bold results, with an emphasis on hotels, restaurants, food, wine, spirits, travel, and destinations.


Among the agency’s current clients are 4505 BBQ, Bluestem Brasserie, Duende, E & O Kitchen and Bar, Evolution Hospitality (Vespera on Ocean/AC Santa Clara/AC Sunnyvale), Golden Gate Restaurant Association, Gott’s Roadside, Mr. Espresso, One Market, Palette, Perbacco and barbacco, Ramen Nagi, River Terrace Inn, Roman Spa & Hot Springs, TCHO Chocolate and Virgin Hotels SF. For a complete list of current and past clients, please visit http://www.afandco.com.

Posted in: Business,Finance,Hospitality,Law & Legal,U.S

Kabbage Launches Kabbage Insights™, Allowing Small Businesses To Take Control of Their Cash Flow With Just a Few Clicks

Kabbage, Inc. today launched Kabbage Insights, a fully automated tool that calculates and predicts cash-flow patterns to help small businesses identify cash surpluses and deficits. With the launch, Kabbage addresses one of the most vexing problems faced by small business owners. The new product comes just one month after the public launch of Kabbage Payments™, continuing the company’s rapid innovation to build a suite of integrated products that simplify cash-flow management for U.S. small businesses.

In less than 10 minutes, any small business can connect their real-time financial data to Kabbage Insights and access an analysis of their company’s historical, current and future cash-flow 24/7. The product continually evaluates the transaction activity of a customer over a 90-day period and organizes it in an easy-to-understand dashboard, allowing customers to quickly visualize their net growth without taking the time to calculate it themselves. Kabbage’s customer base of over 220,000 small businesses has immediate access.

As a leader in predictive analytics and artificial intelligence for small businesses, Kabbage Insights produces personalized forecasts to predict the future cash position of a business. Customers can then set a desired low-balance threshold and receive automated alerts if accounts are predicted to dip below it, empowering small businesses to identify, act upon and prevent cash deficits before they occur.

Paired with the Kabbage Small Business Revenue Index, Kabbage Insights is also the first product available that allows small businesses to compare their company’s performance to similarly-sized businesses operating in their state and industry. The result is an unparalleled cash-flow tool that’s free for small businesses, helping them to anticipate changes, benchmark their growth, plan ahead and make more confident business decisions like when to cut expenses, invest or borrow.

With Kabbage Insights, small businesses can:

  • Review cash-flow on the go via the intuitive mobile dashboard.
  • Analyze daily performance and review money movement at a glance.
  • Borrow strategically with forecast data to inform funding decisions.
  • Save time, as studies show 91 percent of small business owners spend as many as 20 hours per week manually calculating cash flow.

 

“As a small business owner for many years, I spent many sleepless nights trying to figure out whether I’d have the cash to pay my various expenses, including payroll at the end of the month and it’s been a mission of mine to solve this ubiquitous problem for all small business owners ever since,” said Kabbage CEO Rob Frohwein. “Kabbage is pleased to launch Insights, taking on this burden for small business owners and providing them with cash flow analyses that large enterprises have at their fingertips. We will continue to level the playing field for the small business owner.”

About Kabbage


Kabbage, Inc., headquartered in Atlanta, is a data and technology company providing
small businesses cash flow solutions. Its suite of products includes Kabbage Payments, helping small businesses get paid and access the money they earn faster, Kabbage Funding, providing access to flexible lines of credit in minutes, and Kabbage Insights, a powerful and predictive tool to calculate cash flow. To date, Kabbage has provided more than 220,000 U.S. small businesses access to over billion of working capital. Kabbage is funded and backed by leading investors, including the SoftBank Vision Fund, BlueRun Ventures, WildCast Venture Partners, Thomvest Ventures and others. All Kabbage U.S.-based loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Kabbage Payments, LLC, a subsidiary of Kabbage, Inc., is a registered Payment Service Provider/Payment Facilitator sponsored by Fifth ThirdBank, N.A., Cincinnati, OH. For more information, please visit http://www.kabbage.com.

Posted in: Finance,Finance Market,U.S

Fidelity Funding Announces Creative Financing Solutions For Diverse Lending Situations

Fidelity Funding, a Real Estate Finance Company operating California, has today been recognized as being a front runner in the realm of Foreclosure bailout loans, fast funding hard money loans, bad credit mortgage loans, non-traditional income loans, foreclosure bailout reverse mortgages and more.
 

Fidelity Funding has been operating in the Real Estate Financing market for over 15 Years and competes against Hard Money Lenders, Investors, and Other Mortgage Lenders throughout the nation. They have been able to make such a strong impression on the market and gain reputation by their honesty and transparency in each transaction, with the primary goal being to help their customers instead of manipulating and them to make money like many others. They offer loan products that fit the client and dedicate time and effort to help them instead of immediately turning them away. They offer creative financing through a broad spectrum of loan products from hard money, foreclosure bailout loans, bad credit loans, non-traditional income loans, stated loans, reverse mortgages, foreclosure bailout reverse mortgages, construction loans, fix and flip loans and so much more for both residential and commercial properties.

Nazeli Kerkorian, Fidelity Funding's Senior Director of Underwriting, spoke about its recent recognition, expanding on some of the decisions and motivations that led the business to the level it's currently reached.

"When Fidelity Funding was founded, it was made abundantly clear we wanted to be the kind of company that was known in the market for our creative lending solutions and our ability to fund what others can't or won't fund. One of the biggest concerns we have, which is actually what we strive against, is the amount of clients that approach our company frustrated about the misrepresentation they've received from other lenders and the financial burdens they've endured because of it. The time that was wasted by these lenders should have been used by a firm to help the borrowers, not dig them in a deeper hole. These bad experiences cause borrowers to lose trust and become agitated, and as a finance professional myself, it's disappointing. Fortunately, with some good people behind us, our dedication, unwavering knowledge and ability to perform our services as presented to our customers allows us to re-establish the trust los and enables us to meet the client's expectations that were previously not met by the other lenders. We are straight forward about what we're able to deliver to our customers from the start and are able to overcome every obstacle and really hit our stride."

Nazeli Kerkorian also mentioned Fidelity Funding 's future plans are to extend their services and unique loan products offered to borrowers across the nation. It's the hope of the company to bring awareness to borrowers in need of the help they've been deprived of and let them know they’re a company willing to and able to assist in financing their loans when others have denied them or turned them away.

Fidelity Funding plans to maintain its position at the forefront of Foreclosure bailout loans, fast funding hard money loans, bad credit mortgage loans, non-traditional income loans, foreclosure bailout reverse mortgages and more for years to come, building on its success, finding new ways to serve its community, customers and the world at large.

More information on Fidelity Funding can be found at their website:https://www.fidelityfundingcorp.com/

Posted in: Finance,Personal Finance

Cornerstone Research Promotes Seven to Vice President and Principal

Cornerstone Research, a leading provider of economic and financial consulting and expert testimony, has advanced five senior staff to the role of vice president: Mike DeCesaris, Zoya Marriott, Sachin Sancheti, Gary Schmirer, and Paul Zurek. DeCesaris, who leads the firm’s data analytics practice, has been named vice president, data analytics.

The firm also promoted two staff to the role of principal: Matthew Armstrong and Penka Kovacheva.

“These exceptional colleagues exemplify our firm’s commitment to excellence, to our clients and experts, and to our people and culture,” said Yesim Richardson, Cornerstone Research’s president. “We are proud to recognize their leadership, and I am confident that they will continue to make lasting contributions to the success of our firm.”

Vice President

Mike DeCesaris directs Cornerstone Research’s data analytics practice. DeCesaris has been instrumental in building the firm’s industry-leading capabilities in sophisticated data management and analysis. He oversees complex projects requiring advanced empirical analysis of big data and data science techniques such as artificial intelligence, machine learning, and text analytics. He has worked with counsel and clients to efficiently manage data analytics projects in the context of litigation, investigations, merger reviews, and non-litigation consulting. DeCesaris is based in San Francisco.

Zoya Marriott, a leader in the firm’s life sciences practice, focuses on antitrust, intellectual property, product misrepresentation, false claims, and breach of contract matters. Marriott has addressed class certification, liability, and damages questions in litigation for both branded and generic manufacturers and involving both small molecule and biologic drugs. She has particular expertise with Hatch-Waxman disputes and has provided deposition and trial testimony on commercial success issues. Marriott is based in Boston.

Sachin Sancheti leads teams in merger reviews, as well as product misrepresentation and intellectual property disputes. Sancheti worked on the T-Mobile/Sprint merger, as well as United States v. AT&T Inc. et al. and Commercial Metals Company’s Acquisition of Certain Assets from Gerdau S.A. He has also assessed class certification claims and damages, and consulted on lost profit assessments in various industries. Sancheti is based in New York.

Gary Schmirer specializes in financial matters arising from shareholder lawsuits, investment management disputes, and mergers and acquisitions, as well as in internal and regulatory investigations. Schmirer has directed analyses for five high-profile insider trading trials in the Southern District of New York. With particular expertise in addressing loss causation, valuation, damages, and sampling issues, his industry experience includes financial institutions, life sciences, technology, and real estate. Schmirer is based in Boston.

Paul Zurek specializes in matters related to financial markets, securities, risk management, valuation, complex data, and statistical and econometric analysis in U.S. and international venues. Zurek has more than a decade of consulting experience, including as an expert witness testifying in civil litigation and in regulatory investigations. His industry expertise spans banking, hedge funds, investment management, manufacturing, private equity, pharmaceuticals and biotech, retail, technology, telecommunications, and transportation. Zurek is based in San Francisco.

Principal

Matthew Armstrong specializes in securities and financial institution matters. He has extensive experience analyzing market efficiency, loss causation, and damages in Rule 10b-5 and Section 11 cases. In matters involving large, complex datasets, he has estimated damages arising from market timing in mutual funds and analyzed options trading issues at the class certification stage. Armstrong is based in Silicon Valley.

Penka Kovacheva specializes in litigation and regulatory investigations within the life sciences and healthcare industries. Kovacheva focuses on economic and statistical issues in antitrust matters involving drug pricing and competition; reimbursement disputes between government and healthcare providers; and intellectual property disputes between drug manufacturers. She assessed upstream and downstream competitive effects of the vertical merger of Cigna and Express Scripts. Kovacheva is based in Los Angeles.

About Cornerstone Research 


Cornerstone Research provides economic and financial consulting and expert testimony in all phases of complex litigation and regulatory proceedings. The firm works with an extensive network of prominent faculty and industry practitioners to identify the best-qualified expert for each assignment. Cornerstone Research has earned a reputation for consistent high quality and effectiveness by delivering rigorous, state-of-the-art analysis for more than thirty years. The firm has over 700 staff and offices in Boston, Chicago, London, Los Angeles, New York, San Francisco, Silicon Valley, and Washington.

http://www.cornerstone.com
Twitter: @Cornerstone_Res
Facebook: @CornerstoneResearchInc

Posted in: Business,Finance

Top Dubai Property Investment Projects, Trusted Developers, High ROI & Easy Payment Plans

Since Dubai opened up its 100% ownership real estate market, the city has become home to an unbelievable and incredible number of real estate projects. With the total number of available off-plan property in Dubai, it can get unclear when it comes to conclusive where to invest your hard-earned money. This is why we’re taking a look at the top best off-plan projects in Dubai, as per searches conducted by hausandhaus.com users.

  1. Ruba at Arabian Ranches 3

3 & 4 Bedroom Townhouses for sale in Ruba at Arabian Ranches 3

Location: Arabian Ranches 3

Developer: Emaar Properties PJSC

Development Type: 3 & 4 Bedroom Townhouses

Completion Date: March 2023

Prices from: AED 1,400,000

View Payment Plan:

https://www.hausandhaus.com/new-developments-details/3-4-bedroom-townhouses-for-sale-in-ruba-at-arabian-ranches-3/12225

For More Information on Project:

Rennie Sanger

Off Plan & Investment Consultant

+971 56 553 3220

  1. Elan at Tilal Al Ghaf

3 & 4 Bedroom Duplex Townhouses for sale in Elan at Tilal Al Ghaf

Location: Al Ghaf

Developer: Majid Al Futtaim

Development Type: 3 & 4 Bedroom Duplex Townhouses

Completion Date: December 2022

Prices from: AED 1,259,000

View Payment Plan:

https://www.hausandhaus.com/new-developments-details/3-4-bedroom-duplex-townhouses-for-sale-in-elan-at-tilal-al-ghaf/12198

For More Information on Project:

Ben Brooks

Off Plan & Investment Consultant

+971 56 950 1782

  1. Al Furjan, Villas & Townhouses

4 BR Villas & 3 BR Townhouses for sale in Al Furjan, Villas & Townhouses

Location: Jebel Ali

Developer: Nakheel

Development Type: 4 BR Villas & 3 BR Townhouses

Completion Date: January 2018

Prices from: AED 3,059,000

View Payment Plan:

https://www.hausandhaus.com/new-developments-details/4-br-villas-3-br-townhouses-for-sale-in-al-furjan-villas-townhouses/12148

For More Information on Project:

Mohammad Rashidkhani

Off Plan & Investment Consultant

+971 52 188 0006

  1. Burj Crown by Emaar

1, 2 & 3 Bedroom Apartments for sale in Burj Crown by Emaar – Launch Offer

Location: Downtown Dubai

Developer: Emaar Properties PJSC

Development Type: 1, 2 & 3 Bedroom Apartments

Completion Date: October 2023

Prices from: AED 1,068,888

View Payment Plan:

https://www.hausandhaus.com/new-developments-details/1-2-3-bedroom-apartments-for-sale-in-burj-crown-by-emaar-launch-offer/11988

For More Information on Project:

Mohammad Rashidkhani

Off Plan & Investment

  1. SEVEN Palm Residences

Studio, 1, 2 & 3 Bedroom Apartments for sale in SEVEN Palm Residences

Location: Palm Jumeirah

Developer: Seven Tides International

Development Type: Studio, 1, 2 & 3 Bedroom Apartments

Completion Date: March 2021

Prices from: AED 616,888

View Payment Plan:

https://www.hausandhaus.com/new-developments-details/studio-1-2-3-bedroom-apartments-for-sale-in-seven-palm-residences/3531

 

For More Information on Project:

Rennie Sanger

Off Plan & Investment Consultant

+971 56 553 3220

 

Visit www.hausandhaus.com for more off plan & ready properties.

Posted in: Finance,Real Estate,Retail

Briana Pelland Joins Mortgage Team at Ideal Credit Union

Briana Pelland has joined the Mortgage team at Ideal Credit Union as a Mortgage Loan Advisor. Pelland started her career with Ideal in February of 2018 and served as a Member Service Representative prior to moving to the Mortgage department. She has 8 years of experience in the financial services industry.

“Briana is a welcome addition to our team and brings great energy and enthusiasm to her new position,” said Faith Tholkes, VP of Mortgage Lending Operations. “As a Mortgage Loan Advisor, she is looking forward to guiding members through the home buying process, working with them to achieve their homeownership goals and to assist them in living their Ideal life.”

Ideal Credit Union offers a full range of mortgage solutions to fit the needs of borrowers, including fixed rate, FHA/VA, adjustable rate, refinancing options and more. Ideal CU also offers the HomeAdvantage® program, an exclusive, free service that can help users search, buy, sell and save on their next home. HomeAdvantage provides the tools and expertise needed to find and finance a home, and offers an attractive a rebate program that enables homebuyers to earn cash back at closing. In 2019, the HomeAdvantage program paid out over ,000 in rebates to hundreds of Ideal CU members. The average rebate per transaction is ,450.

Founded in 1926, Ideal Credit Union is a member owned financial institution that is dedicated to providing financial services driven by a sincere and personal interest in the needs of our employees, members and community. Ideal CU offers a complete range of services, including a full suite of digital banking products, savings, checking, loans, mortgage products, exclusive VIP member payback, business services, investment services and more. Offices are located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury. Visit idealcu.com for details and directions. Ideal has been voted “Best Credit Union in the East Metro” three years in a row by readers of the Stillwater Gazette and was named a 2018 Star Tribune Top 150 Workplace. Equal Housing Lender.   

Posted in: Finance

Homeopaths and Pharmacists Collaborate to Release First and Only X-energy CBD Water

Silver Springs Water, Inc. facilitated the wellness project that combined the health benefits of CBD and alkaline water for maximum health benefits through homeopathic methodologies.

Alkalized water has a high pH, facilitating negatively charged ionized water at bottling, which introduces antioxidants into the body’s system with a quick absorption rate. While alkalized water has been a homeopathic product for a long time, X-energy CBD Water is the very first alkalized water that also includes CBD.

X-energy CBD Water is the culmination of research and collaboration between Silver Spring Water, Inc., and pharmacists, homeopaths, and hemp experts spanning years. Each bottle contains an average of 10mg of CBD extracted from hemp seed and integrated into X-energy CBD Water through serial dilution and rapid agitation. Hemp is not simply added to water, it is infused into the water through this process.

Pure CBD Hemp, which is a cannabinoid that contains under 0.3% THC, is no longer a controlled substance and does not need approval by the FDA. Although “homeopathic” products are not strictly governed by the FDA, claims of health benefits of CBD are. Health benefits, including inflammation reduction, stress and anxiety relief, seizure reduction, ease digestion and more from CBD are not approved by the FDA and are purely anecdotal. Alkalized water has been found to have anti-aging properties, support the immune system and increase skin health. When combined with CBD, these benefits may be enhanced.

People taking X-energy CBD Water have done so for a wide range of purposes. Their claims of success are based on how it is ingested, and at which quantities and intervals. Direct comments from users recommend drinking the bottle in 2-3 minutes for a quick energy boost. If the goal is “general” body maintenance, one to two bottles a day are recommended. If the goal is significant improvement in overall health, immunity, or to address specific issues, drinking 2-3 bottles each day is recommended to get the necessary negative ion and CBD energy intake to meet accelerating health and wellness goals.

For more information on X-energy CBD Water, call 877-453-6223 or visit www.xenergywater.com.

Robert Quinn, PharmD, FAAO, ABAAHP

Co-Founder, President; Kohana Pharmacy and Center for Regenerative Medicine

181 Tank Farm Road Ste 120

San Luis Obispo, CA 93401

Office (805) 542-0864

Posted in: Business,Finance,Finance Market,Fitness,Science

Scott Ryser appointed to Woodsboro Bank’s Board of Directors

Scott is the Founder and CEO and Board Member of Yakabod. Yakabod is a leader in secure software development, founded in 2001 and headquartered in downtown Frederick. Scott has technical knowledge, a head for business and an entrepreneurial spirit. His current focus is on Yakabod’s corporate strategy, culture and operations. His background includes designing, building and managing technology initiatives ranging from small pilot projects to enterprise overhauls.

Scott is passionate about his community and seeing it prosper. He is active in the Frederick tech and business community through various board roles, including TechFrederick, FITCI, New Spire Arts and Crossed Bridges.

Scott holds an MSEE from the Johns Hopkins University and a BSEE from The University of Akron.

“We are thrilled to have Scott on our Board and know he will bring impeccable insight,” said Steve Heine, President and CEO of Woodsboro Bank.

Posted in: Finance,Marketing & Sales

Nomis Solutions Announces Agenda and Keynote Roster for 2020 Banking Growth Forum

On April 29 to May 1, 2020, executives from the world’s top retail banks and emerging fintech companies, along with some of the industry’s leading experts, will convene at the Banking Growth Forum 2020. Nomis Solutions has just announced the line-up of industry luminaries who will challenge banking executives to outperform in 2020.

Over the course of three days at the stylish Langham Hotel in Chicago, attendees and faculty will analyze the trends shaping the financial services sector and learn how to apply the latest data-driven techniques to better understand and predict their customers’ needs.

“The retail financial services industry is experiencing an unprecedented level of disruption,” said Frank Rohde, president and CEO of Nomis Solutions. “To chart a course through these shifts, we’ve assembled some of the industry’s brightest minds to lead conversations on how to drive sustainable, customer-centric growth in a dynamic market.”

Data-driven customers require data-driven banks

For more than a decade, financial services professionals have attended Banking Growth Forum for actionable advice on growing their portfolios through advanced analytics. This annual event has welcomed bankers, lenders and influential industry experts from around the world as both attendees and presenters, making it one of the most valuable opportunities for networking with industry peers while learning the latest techniques in data-driven pricing from experts that include include:

  • Steven Levitt – economist and co-author of the best-selling book Freakonomics and its sequels. The Wall Street Journal famously said, “If Indiana Jones were an economist, he’d be Steven Levitt.”
  • Bob Phillips – founder of Nomis Solutions and director of pricing research at Amazon.
  • For the latest speaker line-up, visit the event website.

Make the move from average to agile

BGF2020 will equip attendees to outperform in spite of today’s restrictive environment by exploring topics that include:

 

  • Beyond optimization – Once your price is set, now what? How can you more holistically evaluate pricing to ensure you are taking advantage of all available levers to optimize your results.
  • Identifying the growth pockets – Steps you need to take to become more customer centric and ultimately recession proof.
  • The new normal of lending – Find opportunity for on-going value creation in today’s hyper-competitive lending market.
  • Owning your deposits growth in 2020 – How to negotiate tradeoffs between balance growth or maintenance, net interest margin, and the interactions between financial products in a falling rate environment.
  • Harnessing greater insights to find your edge – How leveraging precise and timely insights into deposit/lending demand, competition, and price elasticity allows you to reduce interest expense while maximizing balance acquisition and retention.
  • It’s time to re-examine our business models – Hint: it’s not always about rates!
  • Impact of regulatory reform – How will recent regulatory changes shape the home financing landscape?
  • Next-generation pricing analytics – Learn how to apply advanced analytics to determine optimum in-market pricing that best positions your products.

To learn more about the 2020 Banking Growth Forum and register to attend, visit the event website.

About Nomis Solutions
Nomis is a fast-growing fintech and price optimization pioneer that is enabling the world’s smartest financial institutions to drive sustained, profitable growth through end-to-end customer-centric pricing capabilities. We do so through our market-leading, cloud-native Nomis Platform™ and team of experts, bringing together cutting-edge big data, machine learning, AI and mission-critical software with deep expertise in consumer behavior, pricing and the financial services industry. The Nomis Platform manages over .5 trillion in transaction volume, quotes a price every 60 milliseconds, empowers 14,000+ bankers, and generates nearly 0 million in value annually. To learn more, visit nomissolutions.com.

Posted in: Business,Finance

The Edge Makes Acquisition While the Catalyst Space is Alpha in 2020

Value investing is dead and The Edge Group is predicting the Catalyst Space as the new trend for 2020.

The Edge Group LLC, the global leader in Catalyst, Special Situations and Spinoff research, has acquired substantially all of the assets of WhiteSand Research LLC.

As a timely ideas factory, The Edge Group works with renowned activists worldwide and has a strong track record calling shorts like UBER in 2019, which had a -34% decline. The prediction of AT&T's break-up also came from The Edge in March 2019, and subsequently Elliott Management became active in October gaining a +40% return. These calls can be found on CEO Jim Osman's Forbes page.

Jonathan Duskin, CEO & Partner of Macellum Capital, spoke about his firm's activist intervention in Bed Bath & Beyond during The Edge's ideas conference, and it has surged +38% since November.

The acquisition of substantially all of WhiteSand's assets offers money managers even greater access to unique market intelligence in the niche Catalyst, Special Situations and Spinoff space. Activists benefit from The Edge’s independent perspective and have the opportunity to seize and trade global catalysts, special situations and Spinoffs.

In addition to WhiteSand, The Edge has brought on board Paul McCann as Head of Partner Relations, who said on joining the team, "I'm all about finding opportunities for my clients. The Edge has the expertise and knowledge I was looking for to help my clients win. Finding timely opportunities is the key and now I'm able to increase these by looking at both Spinoffs and Special Situations." Further details on partnering with The Edge can be found by contacting Paul directly at pm@edgecgroup.com or +1-630-808-8649.

By keeping costs low for funds, The Edge helps money managers by offering a proprietary model which consistently outperforms indices.

Jim Osman (CEO and founder of The Edge Group) said, “Value investing is dead. Catalyst investing isn’t. It’s part of the market which uses intelligence and skill beyond automation. No companies offer clients the expertise we can, and our timely unique ideas produce real returns.

“Acquiring substantially all of WhiteSand's assets was important because it grows our business as well as giving a whole new pool of investors access to ideas they can make profit from. As master stock-picker Peter Lynch said, ‘If you only invest in an index, you’ll never beat it.’ The catalyst space is sure to provide alpha in 2020.”

Posted in: Finance,Shopping & Deal

Chattanooga-based Reliance Partners Appoints Wiser Chief Marketing Officer, Continues Rapid Growth With Office Expansion in Tampa, Florida

Reliance Partners (Reliance), a leading provider of commercial insurance products and services for transportation and logistics clients, appoints Brenda Wiser to the position of Chief Marketing Officer and announces expansion into Tampa, Florida, to accommodate rapid growth while leveraging the area’s strong industry presence.

Wiser is an accomplished insurance professional maintaining both her TRS (Transportation Risk Specialist) and CIC (Certified Insurance Counselor) designations. She also serves on the board of the Motor Carrier Insurance Education Foundation (MCIEF) and speaks regularly around the country educating industry associates on motor carrier insurance coverage and programs.

“Brenda adds 30 years of transportation insurance insights to the team,” says Reliance COO Laura Ann Howell. “We’re thrilled to have her on the team and excited to draw inspiration from her expertise to improve our processes and refine our client experience along the way.”

Reliance’s new location marks the company’s eighth branch office to be located at 2202 N Westshore Blvd, Suite 200, Tampa, FL 33607. The office will join existing locations in Austin, Texas; Chicago, Illinois; Birmingham, Alabama; Milwaukee, Wisconsin; Victoria, Texas, Sacramento, California, and Chattanooga, Tennessee. Teo Cardenas, previously charged with leading the agency’s first Florida office, in 2018, will remain at the helm in Tampa.

Reliance strategically selected the new location to accommodate an increase in market demands due to factors like the expansion of the Panama Canal, trade agreements with Cuba and other emerging Caribbean and South American economies, and I-4 emphasis as a freight corridor.

“The I-4 corridor has the 10th largest economy in the U.S. with a GDP of more than 0 billion,” says Reliance President Chad Eichelberger. “And with truck freight volumes in the Tampa Bay area projected to increase by as much as 65% by 2040, we’re poised to provide solutions for safeguarding the supply chain networks, like this one, that drive the American economy forward.”

ABOUT RELIANCE PARTNERS
Chattanooga-based Reliance Partners is America’s fastest-growing, privately-held insurance agency focused on the transportation and logistics space. Through the company’s commitment to service excellence and continuous process innovation, Reliance shields thousands of customers against costly risk and accelerates sustainable business growth.

Reliance has been awarded Best Workplace by Inc. magazine every year since 2016, voted 8th Best Workplace in America by Fortune magazine, named one of the most innovative and disruptive companies in freight by Freight.Tech100, and ranked Top 10 private companies in the U.S. for fastest growth according to Inc.com.

Reliance is hiring! To join an award-winning team, please visit our careers page.

For more information, please visit http://www.reliancepartners.com

Posted in: Finance,Personal Finance

blumshapiro Announces Heather B. Bearfield Appointed Partner in Advisory Services Group

blumshapiro, the largest accounting, tax and business advisory firm based in New England with offices in Connecticut, Massachusetts and Rhode Island, announced today that Heather B. Bearfield has joined blum’s Advisory Services Group as a partner. She will be based out of blum’s Boston, Massachusetts office beginning December 2019.

Bearfield has more than 15 years of experience in leadership roles managing risk and building information security management programs. Heather has extensive experience in IT Risk Management Consulting, Information Security Governance, Corporate IT Audit and Corporate Operational Risk functions. In her new role, she will serve as a blum Partner for Cyber and IT Risk Services. She will be responsible for managing risk and building information security management programs for blum clients.

“We are pleased to have Heather join our Advisory Services team. Heather brings a strategic, results-driven skillset and a proven track record in helping businesses enhance their risk capabilities. She has been extremely successful in building best practice IT governance, risk and cybersecurity control management tools and processes and is fully committed to blum’s focus on enhancing client value,” said Joseph Kask, chief executive officer of blumshapiro.

“Joining blumshapiro is a wonderful opportunity for me to bring my extensive cyber and IT risk management skills to a firm focused on expanding its advisory services throughout the Northeast and beyond. I look forward to working with forward-thinking, experienced professionals focused on providing clients with world-class expertise in the ever-growing area of global security and intelligence,” said Bearfield.

Prior to joining blumshapiro, Bearfield served as Principal of Cyber and IT Risk Services, National Service Line Leader at Marcum LLP based in Boston. Bearfield has a record of performance, reliability and success at identifying process and control weaknesses, analyzing complex systems and working with clients to streamline operations. A sought-after speaker for many industry events, Bearfield led global and nationwide IT assessments in numerous vertical markets inclusive of manufacturing, banks, financial services, colocation hosting facilities and application service providers. She previously led a security practice involving the execution of Internal/External Vulnerability Assessments, Penetration Testing, Wireless Assessments and Social Engineering.

Bearfield’s professional affiliations include membership in the Information Systems Auditing and Control Association, the Institute of Internal Auditors, Cambridge’s Who’s Who, the Boston Chamber of Commerce Women’s Advisory Board and Nichols’ College Board.

Bearfield is also a national leader in diversity and inclusion programs and has helped develop the Women’s Initiative and Diversity Awareness, among others.

Bearfield received her Masters of Business Administration in 2001 from the University of Vermont (UVM) School of Business and a Bachelor of Science in Business Administration in 2000 from UVM.

She is resides in Hopkinton, Massachusetts.

blumshapiro is the largest regional business advisory firm based in New England, with offices in Connecticut, Massachusetts and Rhode Island. The firm, with a team of over 500, offers a diversity of services which include auditing, accounting, tax and business advisory services. blum serves a wide range of privately held companies, government and nonprofit organizations and provides non-audit services for publicly traded companies. To learn more visit us at blumshapiro.com.

Posted in: Finance,Personal Finance

Safe Harbor CPAs Announces New Post on Tax Preparation for San Francisco, California Residents for 2020

Safe Harbor CPAs, ranked one of the best CPA firms for the Bay Area community, is proud to announce a new timely post as the firm gears up for tax season 2020. Local businesses and individuals might feel sideswiped by new changes surrounding the State and Local Tax Deductions, or SALT. Revised caps on local deductions can derail plans for a smooth filing for 2020. Business owners and individuals can benefit from the expertise of a CPA well-versed in current tax law.

"In the tax world, things change all the time. Right now, we see several updates in the tax code affecting our clients," explained Chun Wong, Managing Partner at Safe Harbor CPAs. "Many businesses and individuals are still not fully aware of how the deductions around state and local taxes or SALT have impacted California residents. We are here to help the Bay Area sort through the current changes and focus on what they can write-off now to stay in the black."

The Bay Area community can review the new informational page by Safe Harbor LLP at http://www.safeharborcpa.com/you-cant-do-anything-about-sales-tax-but-you-can-about-income-tax-in-california/. Recent federal tax changes, including a cap on SALT tax deductions might mean large tax payments for Californians. Smart tax preparation by professionals in San Francisco could help. A team of skilled accountants knowledgeable in tax law can review itemized deductions to help meet the proper limits for a legally-sound tax return. The CPA's support both small business and corporate tax preparation as well as; S-Corps, C-Corp's, LLC's, and Sole Proprietors can all turn o the CPA firm for tax and financial advice. For example, interested persons can read the newly update page for individual tax return preparation at http://www.safeharborcpa.com/individual-income-tax/.

NEW ‘SALT’ LAWS CHALLENGE TAX PREPARATION FOR SAN FRANCISCO RESIDENTS

Here is the background on this release. San Francisco locals might dread the upcoming 2020 tax preparation season. Accountants are primed to help the community with stifling new laws designed to pull back deductions. Newly enacted tax rules could destroy a well-crafted filing plan and put a business or individual in the red. The Tax Cuts and Jobs Act (TCJA) of 2017 limits itemized deductions for both state and local taxes. The timing runs from 2018 through 2025. Californians might already deal with the burden of increased costs, including gas, raised toll fees, and sales taxes. Individuals and businesses could struggle to remain solvent after losing specific itemized deductions on top of the added state costs.

For these reasons, Safe Harbor CPAs has announced a new informational post just as the firm gears up for a busy tax season 2020.

ABOUT SAFE HARBOR LLP – A PROFESSIONAL CPA FIRM IN SAN FRANCISCO

Safe Harbor LLP is a CPA firm that specializes in accounting and tax services for individuals and businesses throughout the San Francisco Bay Area and greater California. Safe Harbor CPAs help both individuals and businesses with tax preparation, IRS audit defense, and audited financial statements. The firm prides itself on friendly yet professional service and utilizes state-of-the-art Internet technology to provide quality customer service.

Safe Harbor CPA
http://www.safeharborcpa.com
Tel. 415.742.4249

Posted in: Business,Finance,Personal Finance

Nebraska School Receives ,500 School Lounge Makeover From California Casualty

The staff at Palmer Public School in Nebraska will now have a quiet place to relax and recharge during the school day, thanks to a ,500 School Lounge Makeover® from California Casualty. The new lounge was unveiled Tuesday.

“We are very appreciative to California Casualty for providing this for us,” said Palmer Schools’ Superintendent, Dr. Joel Bohlken. “This will make a big difference because we really didn’t have a place for our staff to go for a moment to unwind and relax before heading back to the classroom,” he added.

Palmer English teacher and school librarian, Mary Gregoski, submitted the winning entry for the makeover. “This means we will now have a place of our own to get a short break before we return to the teaching environment. We are just so grateful that California Casualty thinks about educators,” she said.

The new staff lounge at Palmer School features a TV, two massage chairs, soothing “bubble water wall art,” coffee station, new tables, a refrigerator, and colorful paint and accessories. EON Office designers maximized the area for comfort.

The ,500 School Lounge Makeover giveaway was created to provide educators a more conducive environment to take a break, share time, and revitalize during their long days at school. This is the 13th School Lounge Makeover provided by California Casualty since the program began in 2011.

“We’ve seen the dedication of administrators, teachers and staff firsthand and we’re proud to show our appreciation,” added California Casualty Sr. Vice President, Mike McCormick.

California Casualty has other giving programs that benefit public schools and educators, including:

 

Learn more about California Casualty and its giving programs at http://www.calcas.com/newsroom.

Founded in 1914, California Casualty provides auto and home insurance to educators, law enforcement officers, firefighters and nurses across the country. Headquartered in San Mateo, California, with service centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. More information about California Casualty can be found at http://www.calcas.com.

Posted in: Finance,Personal Finance

Safe Harbor CPAs, San Francisco Accountants Managing High Income Tax Preparation Services for Individuals, Announces Alert on SALT

Safe Harbor LLP, San Francisco's leading accounting firm for high income Bay Area taxpayers at http://www.safeharborcpa.com/, is proud to announce an alert to the public regarding preparations for the upcoming tax season. New state and local tax (SALT) guidelines could affect deductions an individual expects to write off on a federal tax return. A district court has dismissed a lawsuit filed by four states' against the federal government, ruling that the ,000 state and local taxes federal deduction cap is not unconstitutionally coercive.

"Throughout the year, wealthy Bay Area residents plan what to deduct on their tax returns and spend with that idea in mind. Due to new tax reform legislation, the rules have changed," explained Chun Wong, Managing Partner at Safe Harbor LLP. "Some states may be fighting the new rules in court, but right now, we have to plan for how things are at the moment. The community must understand this. We are ready to help and make sure they get the best returns possible based on this year's tax guidelines."

Bay Area residents and business owners can review the new alert on Safe Harbor's page at http://www.safeharborcpa.com/san-francisco-tax-preparation-cpa-salt-cap-not-unconstitutionally-coercive/. The San Francisco CPA firm focused on tax preparation services for affluent individuals posted an informational piece about the new state and local taxes (SALT) cap guidelines. Sweeping tax reform legislation in 2017 passed a ,000 cap on deductions for state and federal income tax. A current district court dismissed a lawsuit to challenge the SALT cap. The ruling can affect high-income residents this tax season. Bay Area locals can learn more about individual tax return preparation at http://www.safeharborcpa.com/individual-income-tax/. In all cases the best course of action is to reach out to a trained accountant in San Francisco for a one-on-one tax consultation; no two individuals are alike and only a detailed, evidence-based consultation can be the foundation of a tax strategy in light of SALT restrictions.

SAN FRANCISCO’S TOP CPA’S RELEASE CAP ALERT PRIOR TO YEAR-END TAX PREPARATION SERVICES FOR INDIVIDUALS

Here is the background on this release. The current presidential administration has not wasted time on implementing tax reform legislation. The goal to rein in deductions has impacted wealthy individuals throughout the United States. Current state and local taxes (SALT) cap guidelines could negatively affect San Francisco residents. Bay Area CPA's managing tax preparation services for individuals of high net worth are sharing the information before the end of the current tax season.

For these reasons, Safe Harbor is announcing an alert for the Bay Area. The San Francisco CPA team is ready to implement strategies in 2019 to help manage tax preparation services for individuals in a higher income bracket. A plan to stay within deduction boundaries can help Bay Area residents avoid triggering a tax audit.

ABOUT SAFE HARBOR LLP – A PROFESSIONAL CPA FIRM IN SAN FRANCISCO

Safe Harbor LLP is a CPA firm that specializes in accounting and tax services for individuals and businesses throughout the San Francisco Bay Area and greater California. Safe Harbor CPAs help both individuals and businesses with tax preparation, IRS audit defense, and audited financial statements. The firm prides itself on friendly yet professional service and utilizes state-of-the-art Internet technology to provide quality customer service.

Safe Harbor CPA
http://www.safeharborcpa.com

Posted in: Finance

Department of Justice Filing Motion Allowing Uncollected Taxes in Healthcare Industry to Continue

Almost every privately insured employee receives an Explanation Of Benefits form from their insurance company. Listed on the form is the amount billed by the provider and the amount the insurance company pays. The unpaid difference is a cancelation of debt. This canceled debt is not taxed. The canceled debt given to the insurance company is 85% of the debt the patient was billed and owed.
 
The IRS is claiming it has the discretionary authority not to enforce the tax code imposed on the cancelation of debt on the private side of the health care business. The amount of tax revenue lost each year is approximately one and one-half trillion dollars. This year the United States has a tax short-fall of one trillion dollars, that is added to the National Debt.

There is no tax law that allows for the write-off of the canceled debt.
 
On December 2nd, 2019, the DOJ will file, in U.S. Court of Federal Claims, Meidinger v. United States, the reason why the IRS has the authority not to enforce the tax laws.

Posted in: Finance,Government & Politics,Health & Medicine,Services,U.S

SmartBuyGlasses Offers Huge Discounts for Black Friday & Cyber Monday 2019

Only a few days left before the biggest sale of the year and SmartBuyGlasses is offering huge discounts on designer eyewear this Black Friday! Save up to 70% on selected frames and get a 12% sitewide discount on all eyewear products. The offer continues all weekend into Cyber Monday with additional discounts during the following week, such as 50% off on blue light blocking lenses and 50% off on mirrored lenses, to name a few. 

So save the date from the 29th of November until December 6th to find fantastic deals on more than 200 designer brands like Ray-Ban, Oakley, Versace, LMNT, Tom Ford, Gucci, and many more.  

SmartBuyGlasses Black Friday and Cyber Week sale includes these amazing discounts:

  • Up to 70% off on selected designer eyewear.
  •  Save more with 12% off sitewide on all eyewear products (contact lenses not included) with the code: BF12OFFC
  • Get 40% off on your prescription lenses with the code: BF40OFFC
  • 50% off on Blue Block Lenses, Polarized Lenses and Mirrored Lenses with the following codes: BLUEBLOCK50C, POLARIZED50C and MIRRORED50C
  • 20% 0ff on Arise HD Summit Prescription Lenses with the code: ARISEHD20C
  • Get 20% off on progressive lenses with the code: PROGRESSIVE20C
  • 10% off on all our ski goggles with the code: SKIGOGGLES10C

Get the best deals on designer eyewear products at SmartBuyGlasses this Black Friday and Cyber Monday!

Don’t waste time standing in line. SmartBuyGlasses takes your online shopping experience to another level with the latest eyewear technology : 

  • With the 3D Virtual Try-On, you can try on your eyewear before buying it.  
  • Not sure what your prescription is? No problem! SmartBuyGlasses’ cutting edge Lens Scanner App allows users who already have prescription eyeglasses to extract their prescription directly from their phone, anywhere and anytime. 

Whether you are buying the perfect Christmas gift, or simply treating yourself to some stylish new frames for the new year, with SmartBuyGlasses’ Black Friday and Cyber Week Deals, you are sure to find the perfect pair for you! 

 

About SmartBuyGlasses

SmartBuyGlasses Optical Group is the world’s leading designer glasses e-commerce company. With operations across Asia Pacific, Europe, and the Americas, our portfolio of domain properties are market leaders in over 20 countries, including SmartBuyGlasses.com in the US and VisionDirect.com.au in Australia.

Posted in: Fashion & Beauty,Finance,Lifestyle,Shopping & Deal,U.S

Total Server Solutions Completes .5M Capital Raise

The New Financing is comprised of a .5 Million debt capital facility from Crestline Investors and an additional Million equity capital from Layer 7 Capital, proceeds of which will be used to refinance the current J.P Morgan Chase credit facility and provide growth capital for the company's next stage of growth.

Atlanta, GA. November 12, 2019. Total Server Solutions (“TSS” or the “Company”) today announced the closing of a .5 million credit facility provided by Crestline Investors, a Ft. Worth-based specialty finance lender, and a million Series B equity facility from Layer 7 Capital LLC (“Layer 7”), a boutique merchant bank based in White Plains, NY focused on the cloud computing sector. Combined with Layer 7’s initial Series A investment, Layer 7 has now invested million of equity capital into the Company. Since the closing of the Series A financing in December 2017, the Company has successfully acquired and integrated operations of Zero Lag, a managed e-commerce specialist based in Los Angeles, CA, and NationalNet, a managed hosting service provider based in Atlanta, GA. The proceeds from the financing's will be used to refinance the Company’s existing credit facility from J.P. Morgan Chase and to provide expansion capital for the Company’s future growth. Layer 7 Capital acted as the Company’s exclusive placement agent for the debt capital raise and DLA Piper provided the company with legal representation.

“We have covered a lot of ground with acquiring and integrating two great companies since Layer 7’s initial investment, more than doubling our geographic footprint, tripling the talent on the team, and completing our base platform layer which provides capacity and automation for rapid growth around the globe,” said Gary Simat, CEO of Total Server Solutions. “We will continue executing on our focus on helping mid-market companies with their digital transformation initiatives in ways that best fit their goals, be it over our global cloud and bare metal platform, which resides directly on internet exchange points within major markets, commodity cloud providers such as AWS, Azure, and GCP, or emerging edge solutions partners.”

“We are very pleased to be working alongside TSS at this major milestone for the Company,” said Steve Lee, Managing Director of Layer 7 Capital. “We believe that TSS is well-positioned in its evolution as a hybrid edge computing solutions provider and we look forward to continuing our exciting journey together.”

“We are excited to work with the TSS team to provide capital to assist them in further developing their leading cloud solutions,” said Will Palmer, Managing Director at Crestline Investors. "Data infrastructure is a key area of specialization for Crestline, and we are excited to use this knowledge to help support TSS’ continued growth."

About Total Server Solutions
Total Server Solutions (https://www.totalserversolutions.com/) is a premier hybrid cloud and edge solutions company with nodes in 25 major metros in North America, Europe and Asia. TSS helps midmarket businesses manage, secure, and back-up mission-critical applications.

TSS specializes in providing highly managed and network optimized IaaS in a hybrid environment. The company takes a consultative approach to design and provision a combination of hosted private cloud, bare metal, and third party commodity cloud infrastructure.

TSS’ self-managed network connecting all of its 25 nodes allows its customers to follow where their customers consume their services. All of the Company’s compute nodes are located directly within global interconnect hubs owned and managed by Tier 1 data center operators such as Equinix and Digital Realty, who offer direct cross-connect to hyperscale cloud providers such as Amazon AWS and Microsoft Azure. Given the geographic positioning and performance transit network, TSS can provide superior application performance with the lowest latency possible for its clients’ workloads. Applications and workloads can be positioned quickly and easily using a single vendor, pricing, and orchestration stack.

TSS specializes in providing application management for eCommerce, with approximately a third of its business coming from managing eCommerce platforms such as Magento, X-Cart and Pinnacle Cart. TSS also offers a geo-optimized edge WordPress Platform-as-a-Service for more demanding enterprise clients who grow out of a simple hosted CMS service that focus on ease of use over performance and connectivity. As a Global Strategic Level partner for Veeam,

TSS provides enterprise-grade back-up solutions for on-prem, hosted and cloud-based (Sharepoint & Office365) data.

About Layer 7 Capital
Layer 7 Capital (https://www.layer7capital.com/) is a boutique merchant bank focused on providing advisory services to companies within the Software-as-a-Service (B2B, B2C), Infrastructure-as-a-Service (Data Centers, Hosting, Cloud), Managed Services (Managed Applications, Managed Infrastructure, Managed Network Services, Managed Security, Outsourced IT), Internet-of-Things and Artificial Intelligence / Robotics verticals. Layer 7's advisory services include buyside and sellside M&A, strategic planning, valuation analysis and debt capital placement for sector companies and their current and potential investors. Through its affiliate Layer 7 Management LLC, Layer 7 also makes select investments in its focused sectors.

About Crestline Investors, Inc.
Crestline Investors, Inc., founded in 1997 and based in Fort Worth, Texas, is an institutional alternative investment management firm. Crestline specializes in credit and opportunistic investments, including financing and restructuring solutions for mature private equity funds. In addition, the firm manages a multi-PM equity market-neutral hedge fund and provides beta and hedging solutions for institutional clients. Headquartered in Fort Worth, Texas, the company maintains affiliate offices in New York City, Chicago, London, Toronto and Tokyo.
For more information, please visit https://www.crestlineinvestors.com.

Posted in: Finance,Services

Beachside Gardens Convenience Suites Boutique Hotel Changes Hands

Deerfield Beach, FL- October 30 – Rick Tobin of Premier Hotel Realty announced today that Beachside Gardens Convenience Suites, a 12-unit hotel, was sold Friday, October 25th, to a buyer from New York, for just over $ 2 million.  Beachside Gardens Convenience Suites is located one block from the beautiful Atlantic Ocean and is a favorite of seasonal travelers because of its proximity to the beach, and to Deerfield Beach’s popular downtown shops and restaurants. 

 

The seller enlisted the help of Premier Hotel Realty to present the property to qualified buyers who would appreciate the increasing values and economic stability in this seaside community. 

 

Rick Tobin, Broker for Premier Hotel Realty and a Director of the Greater Pompano Beach and Lauderdale-by-the-Sea Chambers of Commerce said, “Lately, there’s tremendous interest from international buyers looking for a local beach-area real estate.  Investors from around the world are noticing the long term value of our area.  This is one of the many recent hotel sales that I’ve been involved in.  I'm honored to be playing a part in bringing new owners to the area and only wish I had more properties for eager buyers."

 

About Premier Hotel Realty

 

Premier Hotel Realty, led by Broker, Rick Tobin, is based in Pompano Beach, Florida and globally markets a wide variety of commercial properties.  Premier advises on hotel and other commercial transactions in South Florida's beach communities.  Tobin also markets local apartment buildings, industrial properties and other types of commercial real estate, often marketing to investors from around the world, most recently including Canada, Sweden, the Ukraine, Denmark, Israel and various countries in South America.

For more information contact Premier at info@PremierHotelRealty.com or call 954-543-5411. 

Posted in: Finance,Real Estate,U.S,World

Solariant Capital Closes Financing on a 50 MW Biomass Power Plant Project in Ibaraki, Japan

On September 30, 2019, Solariant Capital, along with its equity partners, Chubu Electric Power Co., Inc., Mitsubishi UFJ Lease & Finance Co., Ltd., and Bio Fuel Co., Inc., have closed financing on a 50 MW biomass power generation project, developed by Solariant Capital, in Kamisu City, Ibaraki Prefecture, Japan.

The biomass plant project will be constructed, operated and managed through Kamisu Biomass Power Generation LLC, a joint venture project company among the four partners with a senior project debt arranged by Sumitomo Mitsui Trust Bank, Ltd. and mezzanine debt through Mitsubishi UFJ Lease & Finance Co., Ltd. The 50 MWp plant will be utilizing biomass fuel, primarily palm kernel shell (by product of palm oil) and wood pellets to produce approximately 350 GWh’s of electricity annually, which is equivalent to an amount consumed by 110,000 households in Japan. The fuel for the biomass plant will be provided based on long-term supply contracts with 4 Japanese trading houses. The plant will also utilize wood pellets produced by Lumino Biomass Fuel, Inc., a wholly owned subsidiary of Solariant Capital LLC.

The EPC general contractor is a joint venture entity between Hitachi Zosen and Okumuragumi with the CFB boiler and the generator from General Electric Co and Toshiba Mitsubishi-Electric Industrial Systems Corp, respectively. The O&M contractor is JERA, one of the largest independent power producers in Asia. The construction of the plant will begin at the end of 2020 and is scheduled to start operation in July 2023. The energy generated by the power plant will be sold to Tokyo Electric Power Company (TEPCO) at a fixed rate of 24 yen plus value added taxes per kWh for 20 years under the current feed-in tariff program (renewable energy subsidy program). Japan enacted its current renewable energy subsidy program in July of 2012.

About Chubu Electric Power Co., Inc. Chubu Electric Power is a Japanese utility company established in 1951 and headquartered in Nagoya, Japan. It is one of the top three electric utility companies in Japan in terms of power generation capacity, electric energy sold, with a total assets of over 5.4 trillion JPY as of March 2019.

About Mitsubishi UFJ Lease & Finance Co., Ltd. Founded in 1971, Mitsubishi UFJ Lease & Finance leverages its flexibility as a nonbank and its knowledge of various products to address a diverse range of customer needs by expanding upon the functions we offer, from lease finance, corporate finance, service provision, business participation, to business operation.

About Bio Fuel Co., Inc. Founded in 2005, Bio Fuel is a Tokyo based company that handles planning, design, and construction of fuel production facilities as well as the development of renewable energy resources and consulting on natural energy.

About Solariant Capital LLC/Co., Ltd. Solariant Capital is a utility scale renewable energy project development and finance company, focusing on solar and biomass projects in Asia and North America with its offices in Pasadena, California, Tokyo, Japan, Manila, Philippines, Seoul, Korea, and Hanoi, Vietnam. Solariant Capital and its wholly owned subsidiary Lumino Capital are currently developing a number of solar and biomass projects in Japan, Philippines and the U.S., as well as energy wood plantations and biomass pellet plants in S.E. Asia.

For further information, contact:    

Daniel Kim, CFA        
Managing Director
Solariant Capital, LLC
+1 213-364-1414
+81-80-3986-6554
Pasadena, CA / Tokyo, Japan
dkim@solariant.com

Posted in: Business,Finance

Contract Logix Announces Powerful New Contract Data Management, Tracking, and Analytics Functionality

Contract Logix, a leading provider of intelligent contract management software, today announced the addition of new data management and intelligence functionality to its Premium™ and Express™ platform. The new capabilities enhance an already robust data management suite by giving customers the flexibility to truly customize how they capture, track, display, and manage contract data to match their business and individual needs.

Highlights of the new release include:

  • Enhancements to the configuration tool to allow users to completely adapt and customize records such as contracts, contacts, etc. to align with their organization’s use cases and business requirements
  • New contract line item creation and tracking capability for buy-side and sell-side contracts
  • Extended the integration of industry-leading electronic signature provider DocuSign to the Premium and Express platform

 

Contracts contain a wealth of extremely valuable and insightful data such as dates, terms, organizations, contacts, and related documents. With its latest release, Contract Logix has revolutionized the ability to leverage this data by providing full adaptability and control over how all contract-related information is visualized, curated, and reported through easy-to-use drag and drop fields that can be tailored to any contract management use case or departmental need. This new and innovative functionality is simple and intuitive for customers to configure without the need for complex and costly implementation services.

“We believe that data is our customers’ most valuable contract management asset,” said Tim Donaghy, CTO of Contract Logix. “Therefore, it’s critical that our technology lets customers quickly and easily transform that data into actionable and valuable business insights they can use to improve processes, uncover opportunities, and mitigate hidden contract risks. The new functionality we’ve just launched further strengthens our unique position to deliver on those promises.”

In addition, the recent enhancements provide the ability to easily create and track contract line items for buy-side and sell-side agreements. The new feature gives customers tremendous visibility into their contracts and streamlines the entire contract line item tracking process. Contract Logix users can simply add custom data fields within the platform that allow them to capture and monitor the details of exactly what they are buying, selling, or specifying in their contracts such as products, services, providers, payers, approved contractors, payment terms, delivery schedules, insurance requirements, etc.

Contract Logix has also announced that it has extended the integration of industry-leading electronic signature provider DocuSign to its Express and Premium platform. In today’s digital age, the use of electronic signatures to execute agreements is a critical component to improving the security, mobility, and overall user experience of any contract management process. Electronic signature technology helps organizations reduce risk by capturing an electronic signature verification and legally binding audit trail.

About Contract Logix
Contract Logix is a longtime leader, innovator, and provider of intelligent contract lifecycle management software. The company’s software empowers legal, administration, IT, procurement, finance, and sales professionals across dozens of industries to draft, negotiate, approve, execute, and manage their contracts. Hundreds of brands have partnered with Contract Logix to automate their contracting processes while minimizing risk, increasing compliance, and driving profitability. For more information about Contract Logix, visit https://www.contractlogix.com and follow us on LinkedIn.

Posted in: Finance,Law & Legal

Counsel Financial Continues Longtime Sponsorship of Mass Torts Made Perfect

Counsel Financial announced today that it will continue its long-standing commitment as the headline sponsor “Business of Law” program at the Mass Torts Made Perfect™ seminar (MTMP) in Las Vegas. The featured program will jumpstart the fall seminar which includes three days of continuing education, cutting edge information on the latest litigations and networking with the nation’s preeminent attorneys. More than 1,000 plaintiffs’ attorneys from over 500 of the top firms in the country will be in attendance.

The conference is focused on mass tort litigation and those attorneys looking to enter the practice area or expand their existing case portfolio. MTMP brings in a wide variety of prominent speakers to impart insight and knowledge on emerging litigations, much of which is specific to contingent-fee practice. Adding to and diversifying your caseload, lien resolution, financing, marketing and lead procurement are just some of the topics covered. Networking is also a strong focus, with the opportunity to convene with trial lawyers from across the nation, as well as highly regarded vendors and service providers.

Director of Counsel Financial, Joseph DiNardo, Esq., will speak on Tuesday, October 22 at 10am on financing solutions for the challenges of a contingency practice. The presentation will specifically discuss how proper case financing leads to a demonstrated increase in successful resolution for contingency fee clients and their law firms. The pros and cons associated with forming joint ventures, acquiring cases and refinancing when necessary will be discussed in-depth. Of the opportunity, Mr. DiNardo commented, “I’m honored to again be invited to speak at this premier event. There are so many resources available to mass tort attorneys. Having a secure and reliable financing source that truly understands your practice, is no longer an option, but a necessary component of success in this fast-paced arena of litigation where the environment is constantly evolving.”

Counsel Financial provides innovative financing solutions specific to the needs of plaintiffs’ attorneys, including those looking to add a mass tort component to their portfolio or firms who are heavily involved in mass tort litigation. With enhanced flexibility and better terms, it can now meet any law firm need with financing options from 0,000 to million+. The attorneys and professionals on staff work with each individual law firm client to ensure provide financing that is custom tailored to each specific situation and the challenges that a firm is facing.

About Counsel Financial
Counsel Financial is the largest provider of working capital lines of credit to plaintiffs’ attorneys in the industry, having loaned over .5 billion exclusively to plaintiffs’ since inception. Counsel Financial sets the standard for innovation and flexibility in its loan offerings, structuring terms that are conducive to the unique demands of contingency-fee practices. Leveraging 200+ years of internal legal experience, Counsel Financial has financed the growth of firms in every area of plaintiffs’ litigation, including personal injury, mass torts, class action and labor and employment. The company is exclusively endorsed by multiple national and state trial organizations, including the American Association for Justice and The National Trial Lawyers.

Posted in: Finance,Law & Legal

China Chang Ming Mining Signs with Star Global Group to Expand Global Business

(Ankang, China) On August 26, 2019, Chang Ming Mining hosted the signing ceremony between Ankang hanbin district Chang Ming mineral products Co., Ltd. and Star Global Group.  Around 300 representatives attended the ceremony including Shaofeng Wang, Chief Engineer of the Ankang Development and Reform Commission, Huachu Tang, Chairman of the Board of Directors of Biying Ecological Holding Group, Jing, Li CEO of Starr Global Group (SGG), Jeff Zhou, MD of investment banking, Jinjun Lu,President of Ankang Henan Chamber of Commerce. Tianzhi Huang, Hanbin District President of the Wenzhou Chamber of Commerce. Zhongming Ding

Chairman of Chang Ming Mineral Products Co., Ltd., Zhuobin Ren, Chairman of Chang Ming Industrial Management Holding Group of the United States, Haiyang Zhang, president of the company’s US listing operation in charge of Chang Ming’s US listing.

Zhongming Ding, Chairman of Chang Ming Mineral Products Co.Ltd.delivered a welcome speech and introduced the market prospects and business philosophy of Chang Ming Mining to guests at the ceremony. He also explained his outlook on the direction and goals of Chang Ming Mining after entering the US capital market.

Jinjun Lu, President of Ankang Henan Chamber of Commerce, congratulated the successful partnership of the two global companies.

Haiyang Zhang, President of Shaanxi Chang Ming Mining’s US listing service gave a speech on Ankang District Chang Ming Mining Products Co., Ltd.’s US OTC market listing and future development plans.

Jing, Li, CEO of Star Global Group, shared her good experience on Chang Ming Mining's field trip and vision on their cooperation. She also expressed her confidence in their partnership.

Mr. Zhongming Ding, Chairman of Ankang Chang Ming Mining and Ms. Li Jing of SGG signed the strategic partnership agreement. The audience gave a lot of applause to the signing parties.

Mr. Huachu Tang, chairman of the board of directors of Biying Ecological Holding Group, congratulated Chang Ming Mining on its successful signing and shared his vision and analysis on the prospects of mineral resources.

Chang Ming Mineral Products Co., Ltd. was established in Ankang hanbin district, Shannxi Province in October 2010.  It is a privately-owned company with shareholder structures. It is a key commercial investment enterprise assigned by Ankang city government to allow private owners to buy and operate local mines. The company mainly operates mineral processing, sales and vanadium mining businesses, with a registered capital of 390 million RMB.  Chang Ming Mining obtained the mining right through a public bidding and registration process.

It legally completed registration, photographing, water and successfully completed the government registration by the Development and Reform

Commission. The environmental assessment, water protection, forestry, and safety supervision departments all gave Chang Ming construction approvals.  Chang Ming is now in the mining construction and exploring period. The mining area is about 2.06 square kilometers and the average amount of vanadium can reach 0.815 %. The company's total reservation report shows the ore reserves are 60.94 million tons with a value of approximately 9.14 billion RMB, and the value of vanadium pentoxide is about 84.43 billion RMB.

On March 3, 2019, Chang Ming Mining successfully listed on the Nasdaq OTC market in the US.  The stock trading symbol is CMIM and the opening stock price was 1.08 US dollars.

The second-largest shareholder of Ankang Chang Ming Mining is Biying Ecological Holding Group, a US-listed company. Its core business is ecologically efficient agriculture, and its star products are "four treasures" walnuts, rich in "calcium iron zinc selenium". Biying Ecological Holding Group focuses on the technical aspect of the walnut planting and production field, development of walnut processing industry, walnut industry's culture and industrial chain. Their pioneer "small walnut" project is being promoted in China.

In addition to Chang Ming Mining, which is a mining integration platform, Biying Ecological Holding Group also owns LOONG new energy vehicles. LOONG vehicles rely on the core technology of super-capacitors and extenders which LOONG developed independently. After three years, it successfully built a matrix horizontal augmentation engine and negotiated with major operators and local governments to cooperate in the construction of a new energy automotive industrial park. LOONG strives consistently to achieve greater breakthroughs and development.

Another major innovative business of Biying is HSDK Entrepreneurship Hospital, which helps businesses solve problems. The hospital carries out diagnosis and treatment for companies. Wastak also creates practical solutions, support systems, and works to resolve business difficulties to help more companies succeed. Their aim is to build and expand more global business.

Posted in: Energy & Environment,Finance,Finance Market,India

United Way of Frederick County and FCPS Stuff the Bus School Supplies Seeks New Businesses to Host Collection Drive

United Way of Frederick County (UWFC) and Frederick County Public School’s (FCPS) 11th annual Stuff the Bus school supplies drive kicks off on July 8th. We will be sending fifteen buses throughout Frederick on August 14th to collect Stuff the Bus bins filled with school supplies for students in need.

We are currently seeking businesses/organizations to host a school supplies collection drive at their sites. Interested businesses can sign up to collect supplies at http://www.unitedwayfrederick.org/stuffthebus.

Beginning the week of June 24, we will start to “paint the town yellow” by parking yellow school buses in various strategic locations throughout the community to promote and create awareness about the program. On August 14, the fifteen school buses will make their way around the community to pick up the collected items.

Ensuring that all students have the supplies they need to do their homework, take tests, and complete science and art projects is a simple but important way we can help them get their education and succeed in school. Over 10,000 FCPS students are in need of school supplies and financial assistance, based on free and reduced meals numbers for the total FCPS total student population.

In 2018, over 7,500 FCPS Maryland students benefited from the drive, more than 130 collection sites were set up, and 85,000+ items were collected in twelve school buses.

For more information about Stuff the Bus, visit https://www.UnitedWayFrederick.org/StufftheBus or contact Joyce Kwamena-Poh at jkwamenapoh(at)uwfrederick(dot)org.

About United Way of Frederick County 
Since 1938, United Way of Frederick County has been fighting for health, education and financial stability for every person in the Frederick County community. United Way produces the ALICE (Asset-Limited, Income-Constrained, Employed) Report which shows that approximately nearly 40% of households can no longer afford to live in Frederick County. Our investments and programs are aligned to support and increase the financial stability of these households.

United Way of Frederick County partners include global, national and local businesses, nonprofits, government, civic and faith-based organizations, along with educators, health providers, senior citizens, students, and others. The organization provides grants to local nonprofits, offers programs such as free tax preparation and matched savings, mobilizes volunteers, and engages in public policy advocacy. To learn more about United Way and how you can get involved, please visit UnitedWayFrederick.org.

Posted in: Education,Finance,U.S

AEC provides a ,500,000 factoring facility for Canadian-based property maintenance company

Advanced Energy Capital provided a factoring line for Pristine Property Management, Ltd (PPM) to enhance their working capital position. Pristine Property Maintenance is a mid-size company that has years of experience providing grounds-keeping and landscape maintenance services throughout the Greater Toronto Area. Their focus and expertise lies largely in the grounds and snow and ice maintenance for condominium townhomes and municipal properties.

  The 1,500,000 facility was completed and funded on January 17, 2019 and provided significant working capital over and above Pristine’s incumbent lender’s line of credit.

“As a company that invoices in advance of our service and under long term contracts, we needed a capital provider who was comfortable with our operating history to structure a working capital facility that provides us the ongoing capital to propel PPM to the next level.” said Adam Watson, CEO of Pristine.

“Adam’s cooperation, history of corporate success and blueprint for long term growth made our job easy in closing and funding this cross-border transaction” Reported Richard Rudy, Principal at AEC.  “We look forward to a long term relationship with Adam and PPM as they continue to execute on their business plan” said Steven Feldman, Managing Director of AEC.

About AEC:
AEC is a commercial finance company which provides working capital financing ranging from 0,000 to ,000,000 to small and middle market manufacturers, distributors, and service companies nationwide. Based in New York, AEC is committed to helping businesses increase their capacity for business transactions. AEC’s programs provide companies with capital in a fraction of the time it would take to process a loan through the bank and in many cases provide significantly higher proceeds than the traditional factoring companies and asset-based lenders, while taking on assignments the traditional commercial finance market ignores.

Posted in: Finance,Finance Market,News & Current Affairs,Real Estate,U.S

Longxing Platform Gets listed on Exshell, Kicks Off A New Era of Mineral Digital Trading

Singapore 2019. Mar.1- Longxing Global Mining Assets Digital Trading Platform attended The Block Challenge Event held by Dubai World Trade Centre(DWTC) in Singapore. During the event, Longxing announced that Longxing is officially listed on ExShell (token: LXS). The Longxing platform is the first digitized trading platform for mining assets based on blockchain in the world. Relying on blockchain technology, the Longxing platform recognized the upgrade from the traditional local offline trading mode to global online trading mode.

Depending on the technical advantage of the Longxing platform, cross-border transactions can be realized, purchasing qualifications can not be relied on, transaction thresholds can be lowered, liquidity and transaction efficiency can be improved, and transaction cycles can be shortened. As digital money payment has formed a good ecological environment, online iron ore, digital assets trading and linking to global mining assets intermediaries can not rely on traditional currency. In the future, with the help of the Longxing trading platform, online trading of iron ore, coal mine, non-ferrous metals, rare technology and other resources, will all launch on the blockchain and trading can be completed only with digital money.

Combining the latest technologies such as blockchain, Internet of things and AI, Longxing has cooperated with taoken bitcoin company to develop the global blockchain mining digital trading platform system. Based on the characteristics of mining, generating sales business process and mining assets, two blockchain systems are developed respectively: the system of business chain and the system of assets chain. Among them, the business chain system mainly needs to display company information, financial data, business and technology, production data, etc., and at the same time, give senior investors a real-time view of production and operation data; Assets on the chain system mainly include the creation of equity, audit and issuance functions, as well as information bulletin functions. Distributed nodes are located in issuers, law firms, accounting firms and all private investors, etc., providing investors with a transparent and untamable platform for operating data and assets.

“ExShell is a global leading digital financial exchange founded by two ex-senior executives of Huobi. The listing on Exshell is a new milestone for Longxing, it marks that  the company is entering into the capital market and a new stage of development. We will make persistent efforts to constantly climb the peak.” Said by Oliver Ran, Chairman of TokenBit & Secretary General Director of Longxing.

For more information, you can follow us on Telegram at?https://t.me/lxtoken, or visit our business system? http://www.dysysep.com and our assets system?http://www.dysysgp.com .

Posted in: Business,Energy & Environment,Finance,Science,Technology

CalcXML Introduces FIST Score: A Comprehensive Financial Health Index

CalcXML, the leader in online calculators, is pleased to announce their latest product called FIST® Score, a revolutionary financial health index used to gauge and improve financial stability. FIST is available to companies and consumers through a SaaS dashboard application. Chris Brockbank, the president of CalcXML, believes this unbiased personal financial index is going to modernize the financial world. “FIST® Scores will become as commonplace as FICO® Scores. FIST allows financial institutions to connect with their patrons like never before. As individuals better understand the “why” of sound financial planning the “what” follows naturally, through choice and without coercion. Trust is always key in relationships and the integrity of FIST® allows for that trust to happen!”

FIST® (FInancial STabilty) Score is similar to a credit score, but evaluates all aspects of a person’s financial health not just one’s debt levels and credit worthiness. This straightforward index (0-100 scale) can be used to help individuals quickly and accurately identify shortfalls in insurance protection, retirement accounts, and emergency funds. By answering a handful of questions users are able to pinpoint where the financial vulnerabilities lie within the categories of liquidity, debt, retirement and insurance. A colorful dial displays one’s calculated score in each category on the personal dashboard with the ability to compare scores against others nationally.

The user’s experience doesn’t end there, using AI technology, industry-standard interest rates and income replacement assumptions, the FIST® tool gives suggestions on how to improve one’s score and overall financial health. Users are able to follow the recommendations, set and track financial goals, and generate colorful PDF Action Plans on their way to improving their scores. FIST® also comes with personalized videos, advanced planning tools, customizable boxes for promotion of company product/benefit offerings, as well as single sign-on capability. Other features include administrative tools, marketing reports, target email lists and company-defined database queries. FIST® Score is now available for licensing and branding to employer groups, brokerage firms, insurance companies, banks, credit unions and other financial verticals.

Click to watch a short promo video of FIST.

Posted in: Business,Finance

Stephen Ray Joins Factoring Company Charter Capital as VP of Business Development

Charter Capital announced today that Stephen Ray has joined the factoring company to further develop their growing portfolio of accounts receivable factoring services. Stephen Ray comes with a wealth of experience within the factoring industry in underwriting and business development.

Stephen joins Charter Capital to continue success in providing accounts receivable financial services to many of the top industries it serves. Stephen says, “I'm thrilled to join the Charter Capital family and cherish the journey that I have before me."

Keith Mabe, Senior Vice president of Charter Capital says, “We are delighted to have Stephen join Charter Capital and look forward to him helping grow our client portfolio.” 
Charter Capital is a Texas based factoring company that has provided funding for small to medium sized businesses nationwide since 2001.

The unique aspect of Charter Capital is not only its flexibility in financing various industries, but also its ability to assist startup businesses. Funding programs are designed to provide a fast and steady source of working capital funds to businesses in need of an alternative to borrowing from traditional banks or costly online lenders. With a company mindset dedicated to fast, solution-oriented funding, Charter Capital fills the void created by limited access to traditional sources of working capital and gives small businesses a more reasonably priced option for funds than is typically offered by online lenders. Charter Capital offers factoring lines starting at ,000 up to million to customers in most industries.

To learn more about Charter Capital call 1-844-838-1424 or visit the website at https://www.CharterCapitalUSA.com.

Posted in: Business,Finance,News & Current Affairs

Maritime Insurance International Hires Two Experienced Marine Agents as Director of Sales in both Northeast and Southeast Regions

Maritime Insurance International, an independent marine insurance agency, has hired two Marine Insurance industry guru’s to expand their East Coast footprint. The independent marine agency brought on Adam Meyer as Director of Sales – Southeast and Rod Clingman as Director of Sales - Northeast, respectively, as of November 1st, 2018.

For the last 19 years Rod has worked strictly in the marine insurance industry. Starting his insurance career as an underwriter for a P&C company, then moving into sales and product / policy development. He has worked with some of the country’s leading marine agencies and marine insurers. Prior to joining Maritime Insurance, Rod was a program manager for Berkley Recreational Marine (W.R. Berkley Co.)

Adam Meyer graduated Wake Forest University School of Law in 1996, then started his marine insurance career in Cincinnati as a Marine Loss Control Specialist with St. Paul Fire & Marine. He then went on to Chicago to specialize in Mega Yacht and Commercial Marine underwriting as an Ocean Marine Underwriter for St. Paul / Travelers. After 5 years in marine loss control and underwriting, Adam moved back home to North Carolina, where his passion led him to the agency and sales side of marine insurance. Since 2000, Adam has built an impeccable reputation as a specialist marine producer, and led two successful marine divisions.

Both Directors will focus on boat, yacht and commercial boat insurance in their respective regions, further expanding the East Coast and National presence of Maritime Insurance. “The experience and knowledge these two individuals add to our team, on both our products and industry, made this a natural fit for us all. We are excited to have them join our niche agency.” said Maritime Insurance Vice President Garrison Rudisill

About Maritime Insurance International

Maritime Insurance specializes in Boat, Yacht, Marina, Boatyard, Boat Dealers, & Boat Builder insurance solutions. MII has amassed over 100 years of collective experience in the marine industry and has a group of professionals that are unmatched in this niche insurance industry. They pride themselves on providing clients responsive and personal service coupled with competitive markets throughout the relationship. The agency is licensed in 46 states with offices in four port cities.

Offices are located in Charleston, SC; Annapolis, MD; Mystic, CT; and Wrightsville Beach, NC. For more information call 843-606-5270 or visit http://www.maritimeinsuranceinternational.com.

Posted in: Finance,Personal Finance

Platinum Risk Advisors Launches the Ultimate 10-Minute Outsourced CECL Solution for Banks and Credit Unions

Platinum Risk Advisors (PRA) announces the launch of Loan Portfolio Analytics (LPA), an innovative outsourced solution to assist banks and credit unions in complying with the Current Expected Credit Loss (CECL) accounting standard. Dubbed the “10-minute CECL Solution,” LPA brings the industry’s first fully outsourced analytics tool for adopting and complying with CECL that also provides its users with valuable insights into the inherent risk in their loan portfolios and the performance of their loan officers.

Issued in June 2016 by the Financial Accounting Standards Board (FASB), CECL is the new “expected loss” accounting model for estimating the Allowance for Loan and Lease Losses (ALLL) to replace the current “incurred loss” model. CECL compliance takes effect in 2020 for SEC-filing and other banks considered a Public Business Entity under FASB standards, and in 2021 for all other financial institutions.

LPA is a complete outsourced solution that maps between the bank or credit union’s data processing system and PRA’s platform, enabling lenders to: 

  • Calculate the ALLL using three widely accepted methods under CECL as well as the lender’s existing methodology. PRA’s clients can evaluate which method or combination of methods for calculating CECL works best for them.
  • Generate various reports and graphs to assess the inherent risk in their loan portfolios as well as the performance of their loan officers.
  • Obtain valuable insights from a team of CPAs, former bankers, actuaries, and risk management consultants. PRA’s clients will obtain verifiable evidence to support the subjective adjustments in their ALLL calculations as well as strategies on how to manage and price for risk within their loan portfolios.

The 10-Minutes CECL Solution

The impact of PRA’s loan portfolio analytics platform is immediate as lenders will spend less than 10 minutes a month to receive the valuable information provided by PRA’s solution. The LPA platform is stored on a SSAE#16 SOC 1 and SOC 2 compliant hosting solution that will keep a client’s borrower and institutional data confidential.

“LPA is the ultimate loan portfolio risk management tool for lenders,” says co-founder Toby Lawrence. “To our knowledge, it is the first CECL solution developed using the assistance of actuaries and provides users with additional information on risk, growth and profitability as well as loan officer performance." That’s a key point because as Lawrence explains, “with PRA’s solution, board of directors and senior management can finally have the information they have always wanted to strategically evaluate and manage their institution’s lending functions.”

As a CPA who was both a former senior partner in two of the nation’s largest certified public accounting firms, and a bank president and CEO, Lawrence knows first-hand how long and wide this industry gap has been, until now.

By understanding the concerns banks and credit unions would struggle with to implement and transition to CECL; the uncertainties surrounding what data is needed, what upgrades or new systems will be required and if existing internal staff will have the time to comply with CECL, served as the launch pad for the LPA platform versus the finish line to fully address the impact of CECL to each institution’s capital position and future earnings.

For a comprehensive sampling of LPA’s capabilities and a comparison to other CECL solutions, visit http://www.CECLadvisors.com. To schedule an individual or group demonstration contact Toby Lawrence at (319) 202-4365.

About Platinum Risk Advisors

Platinum Risk Advisors combines more than 100 years of expertise and experience across accounting, regulatory, lending, actuarial science, risk management, loss reserve setting and model development.

Posted in: Business,Finance,Finance Market

China Customer Relations Centers Announces Plans to Go Private and Return to A-share Market in China

Chinese government has implemented policies to encourage companies to return to A-share market. With the fast growth of China’s economy, China concept stock’s privatization is increasing in 2018 after a number of companies including WuXi AppTec, Mindray and Cheetah mobile went private to China’s A-share market.

On November 11, China Customer Relations Centers, Inc. (CCRC) has announced plans to go private to A-share market in China. 

CCRC’s announcement has led to more discussions by the capital market on privatization. Earlier this year, General Office of the State Council of China quoted China Securities Regulatory Commission’s (CSRC) policy during National People’s Congress and Chinese People’s Political Consultative Conference that based on China’s law and market policy, they encouraged innovative companies to issue stocks in China, especially industries with new technologies and strategies such as biotech, cloud computing, AI and high-tech manufacturing.  

On October 19, 2018, CSRC announced during its press conference that they have taken steps to help restructure work including making reasonable prices to protect small and medium sized investors; actively supporting quality overseas listed companies to list in A-share market and treating overseas companies the same as domestic entities as well as eliminating barriers to entry.

Sources say, call centers and third-party providers of e commerce customer services are industries supported by Chinese government. This industry is labor-intensive with light assets and high tech. CCRC has advantages in this field. 

Based on Chinese internet research data, the total market size of Chinese domestic call center is about 630 billion RMB or 91.1 billion dollars in 2017. Because of the large industry size and the market stability, its annual growth rate is about 8.4% and after 2020, it is estimated to be 5.5%. Currently, call center system is transitioning from local servers to cloud servers. Cloud call centers has become the majority of this growing market.

Many industry experts consider CCRC an absolute pioneer in China’s call center and e commerce service third party provider industry, especially during this era that Chinese government encourages domestic listing of quality overseas companies. The business model will be easier to be recognized by investors in the A-share market than Nasdaq. It will also provide more growth in value in the future.

Links

http://m.nasdaq.com/symbol/ccrc

https://finance.yahoo.com/news/china-customer-relations-centers-inc-134300033.html?.tsrc=applewf&from=singlemessage&isappinstalled=0

Posted in: Business,Finance,Finance Market,Telecom,U.S

Gingkoo Shares Its Vision to Empower Economy by Using Blockchain at the UN GA

(Oct 30, 2018 New York) Gingkoo Technology of Shanghai presented its vision on being a leading blockchain company in China during the Cryptocurrencies & Blockchains Forum at the 73th UN General Assembly.  Gingkoo’s founder and CEO William Zuo gave a speech on how blockchain has been applied to the economy at the global conference in New York.

                                      Gingkoo founder William Zuo speaks at UN

Representing Georgia, France and Germany, the Leading Group on Innovative Financing for Development invited experts from government and private sectors to provide insight into blockchain technologies and the potential impact on development.  Blockchain technologies are critical to finance the 2030 Agenda and the Sustainable Development Goals.

Gingkoo’s founder, William Zuo shared his vision on blockchain with government officials, experts and entrepreneurs. He pointed out that blockchain technology should serve society from five tiers of the economy: government, financial institutions, large corporations, small and medium size enterprise (SME) and individuals. 

Zuo says, “Blockchain should have two core values: one is the trust machine, with trust by coding and programming.  The other is to build the next generation value internet.”

Gingkoo, the Shanghai based fintech company has successfully applied blockchain technology to serve government and financial institutions clients worldwide.

In Guangzhou, Gingkoo has guided local government in adopting a blockchain solution to improve government affairs and transparency, which has been awarded as the top 10 Blockchain Application by China Ministry of Information and Industry. They also created a garbage classification solution by using blockchain+IOT technology for the local governments. The company deployed a food traceability project from northern china to address the problem of food safety concerns in China.

In the financial services arena, Gingkoo’s cases include payment and tax solutions, supply chain finance and Regtech solutions. Gingkoo’s clients include major commercial and central banks such as HSBC, Citibank, Morgan Stanley, Deutsche Bank and UBS etc.

As the biggest solution provider for CIPS, China cross border payment system of China central bank, Gingkoo has been a key player to support the country’s  one Belt one Road Initiatives and to develop blockchain-enabled cross-border, cross-currency and cross-asset payments and logistics solutions, which could revolutionize the supply chain finance sector worldwide.  

Meanwhile, David Ritter, CEO of Penta and co-founder of Gingkoo, Florie Zheng joined the meeting and shared Penta’s work progress on blockchain.  Penta, a public chain, is leading the solution of identity issues for the homeless population in US west coast cities. In July 2018, Penta was the first blockchain crypto startup to complete acquisition of shares of AXS listed Australian IOT tech Company, CCP Technologies, using Penta’s PNT Cryptocurrency.

(L-R)  Florie Zheng, David Ritter of Penta at UN

Zuo pointed out the other advantage of blockchain is to resolve the trust issue among SME. Gingkoo has used blockchain technology in Xiamen City to help SME financing and individual credit information sharing. This case was one of the first successful attempts in its field and was shared by Zuo at the Berlin World Bank SME Financing Summit in Nov. 2017. 

As Gingkoo aims to be the first blockchain application solution provider in China, Zuo shared his vision on the future of blockchain, “I think blockchain should be green, inclusive and productive. I think everyone in the future will deserve opportunity of the blockchain.” His speech has been applauded by hundreds of attendants at the UN event.

On September 4 and 5, Wiliam Zuo gave a speech as an honored guest at the Organization for Economic Co-operation and Development (OECD)’s first ever Blockchain Policy Forum in Paris, which was considered one of the high-level discussions with a range of public officials and private leaders from all over the world.

William Zuo Gingkoo CEO speaks at OECD Blockchain Policy Forum in Paris

OECD Picture

About Gingkoo and Penta

Gingkoo Technology (www.gingkoo.com) is a Shanghai based leading Blockchain technology company established in 2014. It helps build complete blockchain solutions in banking, financing and government.  Gingkoo has raised about 23 million dollars or 160 million RMB led by Zhongnan Investment Group (SZ.000961). 

As a member of China's Ministry of industry and information and the National Standardization Management Committee, Gingkoo Technology participates in the formulation and compilation of several national standards of blockchain, and several district chain experts have been selected as members of the ISO/TC307 international standard specialist group. Gingkoo is the first company to receive the prestigious Million RMB Award for Blockchain from the Shanghai municipal government, recognizing Gingkoo’s outstanding contributions to blockchain development. In explaining their decision for the award, the government cited Gingkoo’s credit chain as a groundbreaking project that enables SMEs to gain access to credit.

Penta (www.penta.global) is a joint project of permissionless chain by Gingkoo and an American team. The goal of Penta is to achieve a fast-decentralized infrastructure compared to ETH and EOS. Penta has raised 30 million dollars in private funding, invested by crypto funds including Draper Dragon, Node Capital, Block VC and LD Capital.

Video http://webtv.un.org/search/cryptocurrencies-blockchains-%E2%80%93-a-new-boost-for-sdg-financing/5841823227001/?term=BLOCKCHAIN&lan=english&sort=date

Image courtesy of UN and OECD

Contact

Florie.zheng@Gingkoo.com

Posted in: Business,Finance,Finance Market,Technology,World

KryptoGraphe is proud to be the first Cryptocurrency Portfolio Manager to be GDPR compliant!!

Dallas, TX: KryptoGraphe is pleased to announce that its cryptocurrency portfolio manager is compliant with the GDPR regulations. The EU General Data Protection Regulation (GDPR) is the most comprehensive EU data privacy law in decades. Besides strengthening and standardizing user data privacy across the EU nations, it will require additional obligations for all organizations that handle EU citizens’ personal data, regardless of where the organizations themselves are located.

The new regulations are designed to better reflect the interconnected nature of our world regarding consumer’s right to privacy, protection of personal data, and business usage of personal data across the European Union.

The team at KryptoGraphe has updated the app to implement the data protection and privacy policies.

  • An updated Terms of Access and Privacy Policy to ensure transparency.
  • The personal data of the user is anonymized.
  • There is a provision to update the personal data
  • The users are now able to export their personal information.
  • The personal data will be deleted from the app’s records should the user choose to close their account.
  • In case of a breach of security, all users will be notified within 72 hours.

Download the app for free at:

Google Play Store

App Store

Our partner and compliance administrator from Hummingwave, Amit Singh says: “KryptoGraphe has been trusted by thousands of its users with their cryptocurrency portfolio information due to its security, privacy, and transparency. Implementing GDPR makes these features so much more visible to users. Recent enhancements let users export their data in a machine-readable format to be used in any other system and to delete their account should they choose to.”

KryptoGraphe encourages safe investing and aims to provide a secure platform to track all cryptocurrency investments.

Posted in: Finance,Finance Market,Personal Finance,Technology,U.S

Insuranks looking for big name investors to join and disrupt the insurance market

Insuranks.com, the international startup technology company and marketplace platform is looking forward towards complete disruption of the insurance industry by continuously improving the insurance experience of all sides of the industry.  Insuranks is aiming towards creating as many simple, transparent, accessible, fast, reliable, secure and friendly user experiences for insurance consumers, agents, brokers and carriers. It currently has over 70 listed insurance companies and over 12,000 insurance agents on board.

The new Israeli technology startup is allowing consumers (also named Insurankers on the friendly platform) to request and compare quotes and purchase their insurance online with over 230 supported insurance types, manage it and later rank the level of service that they received from their chosen insurers.  Insurankers rank anything from customer service and claims experience to emotional intelligence, listening skills, trustworthiness, dedication and more in depth factors that are important to look for in an insurance service provider. Those rankings aggregate in to what is called Insuranks Score, an average ranking of all user rankings submitted for each insurance service deliverer. This ranking is displayed all around the platform for the benefit of the users, so when they get quotes they can find all the information they need about the insurance provider and make a wiser and more educated decision. Or when they simply browse through insuance companies and agents or look for the top 10 insurance companies and agents for over 230 insurance categories that the platform supports. It becomes the insurers reputation all around the platform.

On the other hand, it also provides full information on companies and agents and allows agents and brokers to deliver quotes online through the carriers they work with via the easy to use marketplace platform. The agents insurance marketplace is fast, reliable and user friendly and contains a stream of insurankers that are waiting for agents to give them bids and quotes for their insurance needs. Agents can also  manage their sold policies and clients online via desktop, tablets and mobile phones.

With a mission to create maximum remarkable insurance experiences worldwide while making insurance simple and accessible to anyone regardless of levels of income, education or location, Insuranks is now looking for big name investors and sponsors to support their efforts and become the ultimate one-stop shop for all insurance needs while offering consumers, agents and carriers the best insurance experience that they can possibly receive online.

 

Posted in: Business,Finance,Finance Market,Technology,U.S

Stankevicius MGM joins Congress-Realty as Leading PR and Advertising Partner

Congress the Real Estate 2018 together with Stankevicius MGM has prepared an exciting investment event with presents and new business opportunities for participants worldwide.

About the event

The organizers of Congress the Real Estate 2018 are preparing a worthy event to attend for investors. The event will cover crypto-assets, overseas properties, museum pieces, different investment projects, possibility to purchase gold bullion, possibility to deal with stock exchanges, IT-technology projects, developer’s programs. Event’s participants will as well include insurance companies, tax consultants, and lawyers. Representatives and delegations from over 20 countries will come to the Congress.

Each year the congress offers innovative technologies and conveniences for guests and participants. Among the offers, you can find the matching opportunity of the first online exhibition of the Congress on the platform by Online Expo. The exhibition makes direct contact between the visitor from around the world and participating company on the platform, Online Expo.

About Stankevicius MGM

Stankevicius MGM is the leader in PR and advertising field. The firm has consulted Fortune 500 companies and international small and medium-size enterprises. Stankevicius MGM has provided successful PR campaigns for ICO clients in result of raising over 300 million dollars for blockchain projects

Posted in: Business,Finance,Finance Market,Public Affairs,Technology

UK Cards and Payments Market Share and Growth Forecast to 2022

MarketDataForecast’s ‘UK Cards and Payments Market’ report provides the insight into various payment cards market trends and growth opportunities in the UK along with the complete information about different types cards in the market. It also offers an epitomized assessment about the competitors in the market, influential marketing strategies, customer purchase patterns, adopted payment methods in the e-commerce industry and significant government regulations associated with the UK cards and payments market. Our report unfolds many existing opportunities with reliable information about the different types of cash transactions, volumes of cardholders, market share, current accounts, growth in the number of cards, credit cards outstanding balances, transactional values, details of the issuers along with available banking schemes and futuristic analysis of overall cards and payment market in the UK.
 
Mobile payments inhibit the cards and payments industry in the UK
 
The banking industry in the United Kingdom is undergoing a rapid shift from regular branch services to digital services in the recent times. According to British Banker’s Association, the mobile payments accounted around 340 million in 2015, which is a 55% increase compared to 120 million in 2014. Likewise, the internet payments have witnessed tremendous growth in the same year.
 
Debit cards dominate the payment card market in the UK
 
The number of debit cards is estimated to cross 104 million by 2021 from the current value close to 100 million. Many basic bank accounts were opened in the previous years with the aid of prominent banks like Barclays, Lloyds Banking Group, Nationwide, Royal Bank of Scotland, Clydesdale and Yorkshire Bank, Co-operative Bank, HSBC, TSB, and Santander, offering a free charge accounts.
 
 
Prepaid Cards Market is growing steadily
 
The UK prepaid market is growing steadily and estimated to cross GBP 40 billion by 2020 with a compound annual growth rate more than 5%. The main factors driving the market are the incorporation of these cards by both the government and corporate organizations.
 
Gift card market is predicted to grow rapidly by 2020 as they are used in many business organizations to reward their employees. The UK government also encourages the use of prepaid cards to distribute pensions, child benefits, job seekers’ allowances and so on.
 
Visa and MasterCard focus on contactless technology in the UK
 
Card providers like Visa and MasterCard are also concentrating more on the technology of contactless card payments. Visa, however, is also extending this technology to the mobile devices and wearables. On the other hand, MasterCard is completely focusing on the contactless debit cards to enhance its market presence. Retailers in the UK are gradually shifting to contactless POS terminals. According to the United Kingdom Cards Association, as of February 2017, there were more than 478,000 bank-owned contactless POS terminals in the market. The growth rate was comparatively higher than the earlier year by around 44% and predicted to occupy entire POS terminals market in the UK by 2020.
 
Moreover, the investments in the card setup and the increasing adoption of contactless payments are expected to propel the card payments market in the US amid tough competition. Some of the dominating companies in the market: Lloyds Bank, HSBC, Royal Bank of Scotland, Halifax, Ulster Bank, Barclays, First Direct, Santander UK, Bank of Scotland, M & S Bank
 
 
The Scope of the Report:
 
• The functioning of the UK cards and payments market and complete analysis of the market drivers
• It provides conventional and contemporary information about payment cards of the UK and market predictions till 2022
• It details the emerging payment solutions and their economic, regional and business impact on the cards and payments industry of UK
• Detailed information about existing market leaders, their strategies and government policies driving the payment cards market
 
Key Questions Answered by the Report:
 
• What is the adoption rate of UK Cards and Payments market and different types of cards in circulation?
• Who are the leading card issuers, scheme providers, and third-party providers influencing the US payment cards market?
• What are the growth opportunities provided by the alternative payment options in the UK market?
 
• How are the emerging technologies and new product launches affecting the local cards and payments market of the country?
 
Reasons to Purchase the Report:
 
• Enhance the decision-making with the comprehensive information about trends, conventional statistics, and forecast for next five years
• Understand the competitive landscape in the UK cards and payments industry and their marketing strategies
• Unfold hidden growth opportunities with the use of data about emerging transitions in the market and customer transactional behaviors
• Broaden the insight about regulatory policies and frameworks that impact UK cards and payments market
 
Inquire before buying @ https://www.marketdataforecast.com/market-reports/UK-Cards-and-Payments-Market-6847/inquire
 
About Market Data Forecast:
 
Market Data Forecast is a firm working in the areas of market research, business intelligence and consulting. We have rich experience in research and consulting for various business domains to cater to the needs of both individual and corporate clients. A few key business areas that we handle with excellence include business process improvement, corporate financing and decision making based on market research, assisting in developing appropriate strategy and providing consultancy based on extensive research.
 
Contact Us:
 
Abhishek Shukla
Sales Manager Market
Data Forecast Direct Line: +1-888-702-9626
Mobile: +91 998 555 0206
Mail: abhishek@marketdataforecast.com

Posted in: Europe,Finance,Finance Market,Technology,Telecom

METRUMCOIN - THE NEW WAY TO DO REAL ESTATE.

Real Estate Blockchain Platform METRUMCOIN Announces Pre-sale

METRUMCOIN — is a new generation digital Real Estate market platform that unites B2B, C2C and B2C into a single worldwide net designed for simplicity of use.

About the platform

METRUMCOIN —  a multifunctioning, multilevel platform based on the Blockchain technology with the use of iDeals (the next generation of smart contracts). The platform is capable of bringing any participants’ business processes to life.  The main purpose of the platform is to remove geographical, bureaucratic and transactional barriers, while uniting all participants within a single digital space for the international RE market. It substantially simplifies the activities of buyers, brokers, investors, developers, construction companies, and all those who consider the RE business their lifestyle. We are making the market available in just a few clicks. Transparency, speed and safety are in METRUMCOIN’s DNA.

About the project

The idea of METRUMCOIN project belongs to Mr. Telman Abbasov, a specialist with more than 25 years of real estate experience, and the President of the World Council of Developers and Investors FIABCI 2015-2017. The project was presented to the public at significant industry events such as "MIPIM-2017" in Cannes and "BlokTex-2017" in Kuala Lumpur. It has sparked great interest among RE specialists, as well experts from the IT industry. A team of highly qualified RE specialists determines company strategy. In addition, leading international experts assist METRUMCOIN. In 2017, we obtained a patent, which protects our methodology for attracting investments in real estate objects with the help of crypto-instruments.

Why to participate?

Real Estate allows quick and safe capital investment. Unlike other assets, RE assets do not devalue. We are offering unprecedented opportunities for conducting business both online and offline. Never before has conducting deals and transactions in the RE market been so easy!  But that’s not all. Early participants of the project are guaranteed a 20% discount for purchase of METRUMS token.

Every single investment you make is your personal contribution towards the evolution of the RE market in the 21st century, as well as contributing to the project that will forever change the way business is conducted. 

For further information about our project and technical details of the platform we recommend looking at the Roadmap  and White paper.

Join METRUMCOIN’s pre-sale, and become the key to global RE market transformation

Posted in: Building & Construction,Finance,Professional Services,Real Estate,Technology

Don’tPayAll Listing American Apparel Promo Codes Offering Cash Back

Don’tPayAll is inviting companies to list their coupon codes on its website and help consumers save money. 

Coupon codes are continuing to be a key strategy for online merchants to pull in new customers and retain the old ones. 

“Who does not want to save a few bucks by applying coupons?” says a Dallas housewife. “I always look for American apparel promo codes while shopping for a hoodie for my dog”.
 
American Apparel has perhaps one of the largest garment factories in the United States. Its collection includes even canine wardrobe items.
 
Simply put, Don’tPayAll by listing coupon codes is making it easy for shoppers to find bargain deals.
 
This leading coupon code website is listing coupons from popular stores such as Udemy, Walmart, Sephora, Stereo, Vans, and more.
 
“SAS shoes are a favorite of my family,” says a sales rep of a pharmaceutical firm. “We always look for SAS shoes sales coupons for that bargain deal”. 

Don’tPayAll is a one-stop window for coupons. By adding thousands of new coupons every week, it is making available to consumers hot deals and special offers from thousands of online merchants.
 
Its user-friendly interface is remarkably easy for online shoppers to navigate and search for coupons they want. 

“We are different from other coupon traders”, says a rep of Don’tPayAll. “We put a great deal of effort while selecting coupons from vendors and affiliate marketing networks”.
 
The remarks from Don’tPayAll seem reassuring. The website asserts that they pre-substantiate the coupons to ensure their credibility.
 
“It can be a frustrating experience to apply the coupon code at the last leg of our buying process and find it isn’t working”, says a college sophomore. 

But coupon codes may not work for several reasons. There could be exclusions, restrictions, or the user may not have entered it correctly.

Don’tPayAll is making it convenient for shoppers to regulate their online spending. 

“Even though good deals are abundantly available online, promo codes must be obtainable at the click of a few buttons”, says an avid online shopper.
 
Don’tPayAll is doing this very well.
 
The website has daily deals, cash back stores, and top coupon codes from practically all categories of stores. 

100 million visitors to Don’tPayAll possibly cannot be wrong. 

Don’tPayAll is building its presence even stronger with subscribers and affiliates crossing the 10 million mark. 

About 

Don’tPayAll, a registered trade mark of BOGO COMPANY LTD., is a top firm in the coupon trading market. It provides a huge assortment of active coupon codes and deals from thousands of reputable brand names from across the globe.

 

Posted in: Business,Finance,Marketing & Sales,Retail,Services

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