Financial terms explained

Taking care of your financial situation is very important. Here are several tips related to financial terms. Just as the name indicates, rewards cards are those that offer rewards on credit card purchases. There are three basic types of rewards cards: cashback, points, and travel. Some people prefer the flexibility of cashback rewards, while others like points that can be redeemed for cash or other merchandise. Travel rewards cards remain a favorite among frequent travelers because of the ability to earn free flights, hotel stays, and other travel perks.

Payday Loan Interest: Payday lenders charge borrowers extremely high levels of interest that can range up to 500% in annual percentage yield (APR). Most states have usury laws that limit interest charges to less than approximately 35%; however, payday lenders fall under exemptions that allow for their high interest. Since these loans qualify for many state lending loopholes, borrowers should beware. Regulations on these loans are governed by the individual states, with some states even outlawing payday loans of any kind. In California, for example, a payday lender can charge a 14-day APR of 459% for a $100 loan. Finance charges on these loans are also a significant factor for borrowers as the fees can range up to approximately $18 per $100 of loan.

Terms: An unsecured loan is a loan that is issued and supported only by the borrower’s creditworthiness, rather than by a type of collateral, such as property or other assets. Credit cards, student loans, and personal loans are all examples of unsecured loans.

Encumbered asset: An item of value used as collateral or security for a loan, which has a registered interest against it, for example a property for which you have a mortgage is an encumbered asset. An unencumbered asset is one without any debt or interest registered against it, such as property for which you have paid off the mortgage.

For our finnish readers here is a resource that you might find useful : How To Make Money With Your Account. Security, also collateral: An asset which a borrower uses to secure funding from a lender. In the event that the borrower cannot repay their debt, this asset can be acquired by the lender.

Plans and Expectations: Even though Hemlock has seen numbers jump in various areas over the past quarter, the fact that it missed analysts’ estimates may not bode well for investor confidence. Earnings estimates are forecast expectations of earnings or revenue based on projections, models and research into the company’s operations and most frequently published by financial analysts. Some companies will provide “guidance” of management’s expectations for future results. Even if a company sees an increase in profitability, if the actual earnings fall below expected earnings, the market will see to it that the stock price adjusts to the new information (read: drop in value.) This is due to the fact that estimates are usually built into the current price of a stock. Thus, when investors hear how a company “missed expectations” in spite of higher revenues being reported, the market corrects the price of the stock accordingly.

Abel Prasad blogging

Abel Prasad is a writer , he is writing a personal blog, but also posting about lots of other subjects and topics. From short motivational texts to daily life advices, you can read a lot of interesting things on his personal blog.

He is also wrting about important topics right now like losing weight or wisdom toughts.

Here is a small quote : We share an office in Kent Town and our neighbours have complained about numerous packages being stolen.

Many of the businesses around us are marketing companies, electronic suppliers and hydroponic stores….

You can read more about Abel Kalpinand Prasad

Abel is also running a hydro products / home brewing business, you can check it here https://hobbyhydroandhomebrew.com/. Here are some home brewing tips :

Pitch Enough Yeast

Having plenty of healthy yeast is crucial, and most 5 gallon batches of beer require more than one package of liquid yeast for an adequate number of yeast cells. I use Mr. Malty’s Pitching Rate Calculator to determine how many yeast cells I’ll need in each batch. To get the appropriate cell count, you have the option of pitching multiple packages of liquid yeast, making a yeast starter, or pitching a single package of dry yeast.

Pitching multiple packets of liquid yeast is expensive, so in general I’d advise to avoid that route. Making a yeast starter isn’t difficult, but requires some planning in advance of brew day. If you don’t have the Erlenmeyer flask mentioned in the link above, you can use a sanitized growler to grow up the starter after boiling your starter wort in an ordinary pot.

The final option is dry yeast, which contains a much greater number of cells than a single package of liquid yeast. One of the drawbacks of dry yeast is there are fewer options available. However, a standard American ale yeast (such as Fermentis Safale US-05) or English ale yeast (such as Safale US-04) should do the trick for most entry-level recipes.

Create your own yeast starter.

When I ask experienced homebrewers for the top things they’ve done to make their beer better, one of the most commom answers I hear is, “I now pay close attention to the yeast and always make a strong starter.”
ADVERTISEMENT

Whether you buy a tube of yeast, a smack pack, or a package of dry yeast, creating a yeast starter is a phenomenal way to make sure that your fermentation cycle gets off to a great start. It takes only about 20 minutes to do and dramatically improves your chances of getting a strong, active primary fermentation phase. This also reduces your chances for contamination since the conversion of sugars to alcohol happens more rapidly when the yeast are healthy and plentiful. Learn more about making a yeast starter.

LeewayHertz ICO launch

We are an end-to-end ICO marketing provider for all types of cryptocurrency startups. We do a 2-week sprint with you and your team to kickstart development and marketing efforts to go live and start raising funds. In first 2 weeks, our team develops smart contracts for pre-sale and crowd-sale. In parallel, we develop the website, landing page and also make a custom marketing plan to achieve the goals.

We have partnered with top ICO listing sites, forums, PR sites and therefore guarantee to get your ICO maximum visibility and quick traction. Our support team works round the clock to give you top notch service and answer every query that your investors might ask before being involved with your startup.

Examples of our work :

MyEarthID

Decentralized Identity Management System on the Hedera Hashgraph to solve the global problem of Identity Management. Current identity management process hinders the access to basic and advanced services, like banking, health, insurance, immigration, utilities, etc. due to the common problems of Identity Thefts and Frauds.

LeewayHertz is managing the end to end ICO launch. Starting from Token creation, community management, and marketing, LeewayHertz is working closely with the MyEarthID team to complete a $30M initial coin offering.

Our ICO Services :

Private Sale without Smart Contract

Private-Sale is a critical phase for an ICO. Before you move to the crowrdsale, our team of designers, developers and marketers will make sure that you are well prepared for the private sale and ready to pitch your startup to the investors.

Microservice for uploading the files on S3
Microservice for user authentication and management
Microservice for managing the other core features
Private-Sale Landing page
Design Assets
Admin Web portal

Social Media Service

Social Media setup involves setting up a clean and crisp profile with custom graphics and content.

Set up social media accounts
Graphic Assets
Website LIVE
Set up of ticketing system(Zendesk) and config the workflow
Set up the Hotline number

Growth Hack / ICO Marketing Services

Growth hacking is a process of rapid experimentation across marketing channels, and other areas of the business to identify the most efficient ways to grow a community and sales

Digital Strategy
Content Strategy
Influence Marketing
Website Marketing
Campaign Management
Email Marketing
PR & Outreach
Performance Marketing

Contact Details:

Website : https://www.leewayhertz.com/ico-launch-services/
Address:
San Francisco
388 Market Street
Suite 1300
San Francisco, CA 94111
Phone: 877-801-8115
info@leewayhertz.com
jobs@leewayhertz.com

Company Implemented Multilayered Security Architecture on Managed Services Platform

ANEXIO, the leading “Desktop to Data Center” infrastructure-as-a-service company, today announced that is has been named one of the 10 best security companies in 2017 by CIO Bulletin. This recognition is due, in part, to ANEXIO’s ability to help customers securely accelerate their digital transformation by implementing a multilayered security architecture, driven by industry compliance standards, across the company’s managed services platform.

ANEXIO specializes in helping customers transition from their legacy IT environment to a more secure digital infrastructure. Companies transforming into digital enterprises typically share three characteristics:

1. Applications have become the revenue driver of their business

2. Users expect flawless experience from those applications

3. The security for these mission critical applications has become more complex

“Every day, more and more mid-market companies are becoming full-time digital enterprises,” said Tony Pompliano, ANEXIO President and CEO. “It’s an honor to receive this recognition from CIO Bulletin, but, even more importantly, it’s an honor to help our customers accelerate their digital transformation. ANEXIO is proud of the technology investments that we’ve made to help secure the experience of our digital end users against the ever-increasing security threats that all enterprises face in today’s connected world of applications, networks, data centers and hybrid clouds.”

ANEXIO understands that no two customer digital transformations are alike. Physical, logical and virtual security is woven into the fabric of ANEXIO’s offerings. The company’s phased migration process addresses the unique challenges of each customer:

1. Assessment Phase: Clarify the customer’s business objectives, understand the operational risks and then identify the migration path to the ANEXIO Cloud.

2. Decision Phase: ANEXIO experts create a comprehensive, end-to-end transition plan with special focus on security, performance, and zero downtime for the customer.

3. Implementation Phase: ANEXIO engineers work with the customer to finalize the migration schedule, provision the environment and then commence the migration to the ANEXIO cloud.

Customers interested in learning more about ANEXIO’s security portfolio or digital transformation capabilities can email info@anexio.com and request a briefing.

ABOUT ANEXIO

ANEXIO is transforming the IT industry with Desktop to Data Center solutions designed specifically for customers seeking a smooth transition from legacy IT environments to a more efficient Hybrid Cloud infrastructure. The Inc. 500 company’s Mission Critical Infrastructure strategy is anchored by eight Tier III SOC-2 certified data centers, an IT solutions center and a nationwide IP Network. ANEXIO’s offerings include colocation, networking, Cloud services, storage, disaster recovery, Managed IT and Managed VoIP. Every ANEXIO product and service is backed up by United States-based customer support. Visit www.anexio.com for more information.

Media Contact:

Amy Laukka
(919) 802-4304
alaukka@boltpr.com

SOURCE ANEXIO
Related Links

Home

GreenSpace Brands Announces Acquisition of US Based Galaxy Nutritional Foods, Owners of the Go Veggie Brand

GreenSpace Brands Inc. (“GreenSpace”) (TSXV: JTR) is pleased to announce today that it has signed a share purchase agreement dated December 20, 2017 to acquire (the “Acquisition”) all of the outstanding shares of Galaxy Nutritional Foods Inc. (“Go Veggie”), which owns the Go Veggie? brand. Go Veggie is one of the leading cheese alternative brands in the United States with distribution in over 12,000 locations through most major US grocery retailers and natural food chains, along with a growing food service business. The plant based dairy alternative market is one of the fastest growing subsets of the natural food market, but has very few established players. Go Veggie has established itself as one of the preeminent brands in the space with some of the best tasting and award winning products.

Greenspace will be holding a conference call to discuss the details of the transaction on December 21st, 2017 at 9:00 EST. The call will be hosted by Matthew von Teichman, President and Chief Executive Officer. Following management’s presentation, there will be a question and answer session for analysts and investors. To participate in the teleconference, dial (647) 427-7450 or 1 (888) 231-8191 (Toll-free). Callers are advised to call five minutes in advance of the call.

A taped rebroadcast will be available beginning at 11:20 am (EST) December 21st, 2017 until 11:59 pm (EST) on December 28th, 2017. To access the rebroadcast, please dial (416) 849-0833 or 1 (855) 859- 2056 and use the passcode 1289656 followed by the number sign.

Overview of the Acquisition

GreenSpace has agreed to purchase Go Veggie for a total consideration of $17.8 million USD, comprised of $4.5 million USD in cash, $7.62 million USD (approximately $9.81million CAD) in GreenSpace common shares (the “Share Consideration”), and a two year vendor take back loan of $5.72 million USD, carrying an 8.5% coupon. Greenspace will issue 7.16 million Common shares at $1.37 per share as part of the transaction, a 14.2% premium to the closing market price on December 19th, 2017.

GreenSpace will be purchasing Go Veggie from Mill Road Capital, a Greenwich, Connecticut based private investment firm focused on investing in and partnering with publicly traded micro-cap companies. Mill Road will become the largest shareholder of GreenSpace as a result of this transaction. Mill Road Capital has a long history of successfully investing in emerging consumer brands throughout Canada and the United States, and this expertise will help support the GreenSpace team as they navigate the US natural food market and US capital markets.

The Share Consideration will be subject to lock-up and escrow pursuant to which approximately 45% of the Share Consideration shall be locked up for 12 months from the closing date, 5% of the Share Consideration shall be in escrow for 13 months from the closing date and the remaining 50% shall be locked-up for 18 months from the closing date, subject to certain exemptions.

Select highlights of the Acquisition include the following:

Go Veggie adds a profitable pre-existing US platform that will enable GreenSpace to launch its most innovative and unique brands into the US;

The acquisition is expected to add significant gross margin dollars to GreenSpace and improve the overall gross margin profile, as well as add incremental adjusted EBITDA in the short term, with more significant growth in adjusted EBITDA over the long term. Go Veggie recorded revenues of $16.3 million USD for their fiscal year ended March, 31, 2017, with strong gross profit margins of approximately 40%.1
Go Veggie has one of the leading brands in what GreenSpace believes to be one of the fastest growing segments of the natural food industry, plant based dairy alternatives. Galaxy has broad based distribution across the United States and an existing high functioning team; and

GreenSpace believes that by supporting updates and amplifying the brand image of Go Veggie, it will be able to further develop its leadership position in the plant based dairy alternatives vertical in North America;

“We couldn’t be more excited to add Go Veggie to the GSB family of brands. With the acquisition of Go Veggie, we enter our most sought after vertical, plant based dairy alternatives. The addition of Go Veggie adds a profitable pre-existing US platform that will enable us to launch our most innovative and unique brands into the US under the expert leadership of one of the most respected people in the US natural food industry, Rick Antonelli, CEO of Go Veggie” comments Matthew von Teichman, CEO of Greenspace, “This is truly a transformative acquisition for us. We will continue to develop their Canadian sales strategy through the leveraging of our current platform and strategically initiate our US development by leveraging their platform. It’s a win-win and the ideal way for us to get going in the US market”

Rick Antonelli, CEO of Galaxy comments, “We’ve been watching GreenSpace for years and have admired the stable of brands they’ve been able to put together in such a short time. We feel that Go Veggie is a perfect addition to that roster of strong brands and with the potential synergies of our team selling their products, and their team selling our products, there’s a significant long term upside for both. I can’t wait to start presenting GreenSpace’s unique and innovative products to the US market and Go Veggie’s existing retail partners.”

The Acquisition is scheduled to close in January 2018, subject to satisfaction of customary closing conditions and approval of the TSX Venture Exchange. Financo, Inc. has acted as the exclusive advisor to Galaxy and Mill Road.

About GreenSpace

GreenSpace is a Canadian-based brand ideation team that develops, markets and sells premium natural food products to consumers across Canada. Greenspace owns and operates the following brands: Love Child Organics., one of the fastest growing brands in Canada and a producer of 100% organic food for infants and toddlers made with the pure, natural and most nutritionally-rich ingredients; Central Roast, a clean snacking brand that has been one of the leading natural food brands in Canada; Rolling Meadow Dairy, Canada’s leading grass fed dairy product line, delivering premium fluid and cultured products across Canada; Life Choices which features premium convenience meat products made with grass fed and pasture raised meats without the use of added hormones and antibiotics; Kiju, the Canadian market leader in the shelf stable organic juice segment; Cedar , the Canadian leader in cold pressed and gut health fresh juices. All brands are wholly owned and retail in a variety of natural and mass retail grocery locations across Canada.

GreenSpace’s filings are also available at www.SEDAR.com

About GO VEGGIE?

Over 40 years ago Galaxy Nutritional Foods Inc. created the cheese alternative category for health-conscious consumers and is proud to remain America’s leading provider of great tasting cheese-free products. Today, under Galaxy’s new brand GO VEGGIE, the company continues to innovate and offer consumers more healthy cheese-free choices. Across its product portfolio – Vegan, Lactose Free, and Lactose & Soy Free – GO VEGGIE offers 55 products across the United States in a wide variety of formats.

For product information, recipes, and more, visit www.goveggiefoods.com. Follow GO VEGGIE on Facebook, Twitter, Instagram, and Pinterest.

About Mill Road Capital

Mill Road Capital is a private investment firm focused on investing in and partnering with publicly traded micro-cap companies in the U.S. and Canada. The firm has flexible, long-term capital with the ability to purchase shares in the open market, buy large block positions from existing shareholders, provide capital for growth or acquisition opportunities, or execute going-private transactions. The firm has raised approximately $670 million of aggregate equity capital commitments and has offices in Greenwich, CT and the San Francisco Bay Area. Mill Road’s investments in Canada include Ten Peaks Coffee Company, a British Colombia based premium green coffee decaffeinator, PRT Growing Services Ltd., the British Columbia based leader in container grown tree seedlings for replanting forests, and Cossette, the largest full service advertising agency in Canada.

More information can be found at http://www.millroadcapital.com.

Forward Looking Information

Certain statements in this press release may constitute forward-looking statements within the meaning of applicable securities laws. Forward-looking statements include, but are not limited to, statements concerning (i) the Acquisition; (ii) the completion of the Acquisition; (iii) anticipated approvals; (iv) the time to the closings; and (v) results of the completion of the Acquisition. Forward-looking statements generally can be identified by the use of forward-looking terminology such as “outlook”, “objective”, “may”, “will”, “expect”, “intend”, “estimate”, “anticipate”, “believe”, “should”, “plans” or “continue”, or similar expressions suggesting future outcomes or events. Such forward-looking statements reflect management’s current beliefs and are based on information currently available to management. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those contemplated by such statements. Such forward-looking statements are subject to risks and uncertainties that may cause actual results, performance or developments to differ materially from those contained in the statements including, without limitation, the risks that: (1) the information provided to GreenSpace by Galaxy turns out to be misleading, untrue or incomplete; (2) the Acquisition may not be completed for any reason whatsoever, including that regulators may not approve the Acquisition; (3) the closings may not occur as scheduled or at all; and (4) GreenSpace may not achieve the results currently anticipated. Although GreenSpace believes that the expectations reflected in its forward-looking information are reasonable, undue reliance should not be placed on forward-looking information because GreenSpace can give no assurance that such expectations will prove to be correct. In addition to other factors and assumptions which may be identified in this press release, assumptions have been made regarding and are implicit in, among other things, the timely receipt of required regulatory approvals. Details of the risk factors relating to GreenSpace and its business are discussed under the heading “Risk Factors” in the preliminary short form prospectus filed on the date hereof and “Risks and Uncertainties Related to the Business” in GreenSpace’ annual information form dated July 18, 2017, a copy of which is available on GreenSpace’ SEDAR profile at www.sedar.com. Readers are cautioned that the foregoing list is not exhaustive of all factors and assumptions which have been used. Forward-looking information is based on current expectations, estimates and projections that involve a number of risks and uncertainties which could cause actual results to differ materially from those anticipated by GreenSpace and described in the forward looking information. The forward-looking information contained in this press release is made as of the date hereof and GreenSpace undertakes no obligation to update publicly or revise any forward-looking information, whether as a result of new information, future events or otherwise, unless required by applicable securities laws. The forward looking information contained in this press release is expressly qualified by this cautionary statement.

Neither the TSX Venture Exchange nor its regulation services provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

This press release does not constitute or form a part of any offer or solicitation to buy or sell any securities in the United States or any other jurisdiction.

Jason and Whitney Johns, PURE Independent Business Owners, surpass $100,000 in earnings

PURE Independent Business Owners (IBOs), Jason and Whitney Johns, have achieved the rank of Presidential through the company’s PURE Prosperity Compensation Plan.

This prestigious rank of Presidential is now more rewarding than ever with the launch of the company’s PURE Rank Bonus program in April 2017. The Johns received a PURE Presidential Rank Bonus of $35,000 USD, in addition to their PURE Blue Diamond Rank Bonus of $25,000 USD last week. These are additional bonuses outside of PURE’s Prosperity Compensation Plan. Their total earnings for the eight weeks since joining PURE has been over $100,000 USD.*

Achieving this level puts the Johns among the top leaders at PURE. This achievement speaks to the momentum currently experienced by the company and driven by the field leaders of PURE.

Jason and Whitney Johns live in Celina, Texas with their two children. Jason is a high school coach in north Texas. Whitney owns a small boutique. They have been building their PURE business for seven weeks. Whitney’s favorite product is grape ENERGY.

“Teamwork is the name of the game! The support I’ve received from my upline has been remarkable. Not only are we impacting our own lives, but we are changing the lives of others in a big way,” said Whitney Johns. “If you have not gotten involved with the PURE opportunity, get involved fast. It is life changing.”

“In the short time they’ve been with PURE, the Johns have built a strong foundation that has propelled them into a leadership position. They are a fine example of commitment and perseverance, and have the necessary skills that will take them far. I congratulate them in achieving this milestone.” – Daren Hogge, PURE CEO

The PURE opportunity gives people the chance to earn weekly residual income. In addition, through the PURE Rank Bonus, IBOs receive bonuses and incentives. Beginning at the rank of Platinum Director, awards through the PURE Rank Bonus program range from $1,000 USD all the way to an amazing $250,000 USD.* To date, PURE’s total payout through the program is $239,500.

About PURE

PURE: People United Reaching Everyone is a leading innovator in health and wellness products. They believe people can achieve Whole Health with a balance of physical health, financial health, and purpose. PURE is a global company with offices in the U.S., Japan, Taiwan, and Korea. Headquarters is in Frisco, Texas. For more information on the products or business opportunity, visit livepure.com

*The earnings of the distributors in this publication are not necessarily representative of the income, if any, that a PURE distributor can or will earn through his or her participation in the PURE Prosperity compensation plan. These figures should not be considered as guarantees or projections of your actual earnings or profits. Success with PURE results only from successful sales efforts, which require hard work, diligence and leadership. Your success will depend upon how effectively you exercise these qualities. For detailed information on the PURE Prosperity compensation plan and distributor income averages, please visit the opportunity section of the PURE website at http://www.livepure.com/rewards-compensation.