PSI-Pay Explains the Pros and Cons of European-Style Digital Wallets

With European-style digital wallets, travelers have the benefit of instant access to multiple currencies. Money for purchases is usually drawn from a bank account. ATMs can be accessed and Cryptocurrencies like BitCoin can be converted to government-issued currency using a digital wallet.

There are individuals and companies that use digital wallets exclusively. Anyone contemplating following that example needs to know a few things.

Be certain that in your community you can digitally purchase the goods and services you need. Many local businesses may not take mobile payments. Conflicts arising from the use of a digital wallet like chargebacks must be handled by the wallet’s provider. To protect consumers digital wallet providers are legally required to maintain safeguarded bank accounts.

The US and the European Union both protect bank accounts. As of this writing, there are no such protections in place for digital wallets. This is of particular concern to people and businesses that carry a high balance in their digital account.

Issues arising from the use of a digital wallet like fraudulent charges must be handled by the wallet’s provider. To protect consumers digital wallet providers are legally required to maintain safeguarded bank accounts.

Banks offer other advantages over going strictly digital. By law currency kept in digital wallets cannot draw interest. The providers cannot provide overdraft protection or loans. To offset these rules providers may reduce the fees on large balances.


In related news PSI-Pay and Kerv have partnered. PSI-Pay brings their Master Card License to the partnership. Globally Kerv customers can now use the company’s contactless payment ring globally in 38 million locations.

The word “ring” refers to a finger ring that eliminates the need to carry a wallet or card. When you make a purchase you swipe the ring as you would a credit or debit card.

Operating in the United Kingdom PSI-Pay is a Fintech company that is regulated by UK law. PSI-Pay provides payment solutions to companies. Kerv is an alternative payment company.

Kerv users can use debit or credit cards to load their account. Paypal and transfer from bank accounts may also be used.

Roseannetangrs Reviews Two EOS Lip Balms

After hearing a lot about the EOS lip balms, YouTuber roseannetangrs was excited when she was gifted two of the much hyped scents from a friend, Strawberry Sorbet and Passion Fruit, which she reviewed on her channel.

Starting with a bare lip, she applied the balm. Her first impression of the little spherical product was that it was not heavy, sticky, or gross like many other lip products often are. She said it went on very smooth, and her lips felt really nice, check

Both balls had a good scent, with the Strawberry Sorbet reminding her of strawberries and cream, and the Passion Fruit smelling like it’s namesake, with a hint of shea butter

Her favorite part of the EOS line by far is the packaging ( They come in a small ball or sphere with side grips that fits in the palm of your hand. She absolutely could not stop talking about how cute and adorable they are or how they remind her of little Easter eggs. She absolutely loved it.

Roseannetangrs liked the product. She pointed out how the balm itself is colorless, which means consumers can apply it, then apply their lip color over it, giving them a comfortable wear all day.


Eric Lefkofsky and Tempus

The medical industry is going through numerous changes with new technology available. Although some of these changes are positive, many experienced medical professionals have to adapt to a new world.

Eric Lefkofsky is a passionate business owner and leader within this community. He firmly believes that he can find a cure for cancer in the coming years. After working in other industries and gaining valuable experience, Eric Lefkofsky started a company in the medical industry. He decided to start a company for several reasons. Not only did he want to make a positive impact on others, but he was tired of working for other people.


Tempus is the company that Eric Lefkofsky started. It is a medical research company that has done great work in the field so far. Eric Lefkofsky firmly believes that costs in the pharmaceutical industry should be lower. He thinks that technology can make the cost of various medical treatments more affordable. He is also a political activist who believes the entire industry should change to help customers. He is tired of seeing his patients struggle to afford necessary medical care. He also developed a basic routine for people who want to live a healthy lifestyle each day.

Lifestyle Habits

There are various lifestyle habits that people can utilize to reduce their chances of developing an illness. By eating a healthy diet, people can drastically reduce their odds of various health issues. Some people do not realize all of the adverse changes that take place in the body from an unhealthy lifestyle. Eric Lefkofsky also recommends that people exercise on a daily basis. Without exercise, it is hard for people to reach any of their health goals. Now is the perfect time for Eric Lefkofsky to invest for the future. With new technology available, he firmly believes that he is close to a cure.

Richard Dwayne Blair and Wealth Solutions Help Clients Prosper

Wealth Solutions is the company that was founded by Richard Dwayne Blair and it puts his comprehensive financial knowledge to work for his clients. He has developed great expertise in the areas of retirement planning and wealth management that enable people to enjoy a peace of mind knowing that their assets are growing and protected. The financial acumen that he employs has been refined over the years so that his skills can be a difference maker.

The financial plans that Blair helps his clients put in place are based on a Three Pillar approach that takes key factors into consideration. Different stages of life are also carefully deliberated so that every milestone can be approached with a minimum of stress. It’s comforting for clients to know that he’s carefully analyzed their particular situation and sound financial plans are in place.

Richard Dwayne Blair is a firm believer that everyone should have a financial roadmap that is uniquely designed for them. This is exactly what he sets out to do with this First Pillar. During this phase, he builds a relationship with the client and helps them determine their goals. He also spends time helping them decide how much risk is appropriate for their situation.

The power of long-term investing is foundational to any plan for building wealth and this is the Second Pillar. This is implemented in line with the client’s risk tolerance and their liquidity needs. Blair is an active manager with great experience in maximizing returns when market conditions are favorable. He is also adept at defensive strategies that help protect portfolios when the market turns down.

Finally, the Third Pillar concerns actually putting custom plans in place and monitoring performance. Blair uses different metrics for this and they include client expectations and comparison to benchmarks to name a couple.

Richard Dwayne Blair has been making a difference in the financial lives of many in the Austin, Tx. area and its surroundings. He has been inspired by the teachers in his family and enjoys doing the same in the world of wealth management. He founded Wealth Solutions in 1994 to provide a higher quality of service to his clients.


Roles played by Southridge Capital

This is a private investment group that is concerned with providing a complete range of innovative financial solutions to public companies worldwide. Southridge Capital is a Connecticut based equity firm found in the United States of America. It was founded in 1996 and ever since, it has maintained its excellent reputation in the field of business. Below is a brief summary about the firm.

The company has a team of learned and experienced professionals and experts that are dedicated and always available to offer any form of business advice to clients. Due to many years of existence, the company has staff members that are well exposed to various challenges and therefore, they have the best solutions to such issues. For more info you can check their facebook page.

Southridge offers structured finance and advisory services. Under structured finance, clients are guided on how to come up with a financing plan, modify the plan and eventually implement the plan with guaranteed success. This is made possible due to a core team of experts in this field. The company also helps such clients grow through financing them to a point that they can stand on their own.

Some of the solutions offered include securitization. The company pools together most of the contractual debts such as loans and mortgages then sells their related cash flows to third party investors as securities. It also helps in increasing creditworthiness of its clients. This is achieved through working in conjunction with creditors to remove debts courtesy of common stock.

As stated above, financial solutions are also offered. Depending on different factors in the market, companies face many financial problems. Lack of capital can be one of them. Southridge Capital has several products that come in handy in case of such a problem. One of them is the Equity Purchase Agreement (EPA). This products enables companies to come up with capital exclusively at their request regardless of the prevailing conditions. You can visit for more info.

Southridge Capital is the place to be in case of an upcoming business organization or individual. They offer the best advice and guidance in the field of business and entrepreneurship.

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To IPO or Not to IPO…That is the question for The RealReal!

“According to a recent article in Recode, Julie Wainwright, the founder and CEO of The RealReal, a luxury consignment business, was going to go public. An IPO (initial public offering) is the initial sale of stock offered by a company to the public. As a private company, the family and friends of the founder of a company as well as venture capitalists or angel investors provide funding. As an IPO, the company sells shares to others who want to invest in the company. Instead of becoming an IPO, Wainwright decided to raise new funding of $100 million.

Recode conjectured why Wainwright decided not to make The RealReal an IPO. One reason proffered was the footprint of the company in luxury consigning is not of sufficient scale to appeal to outside investors. Another is perhaps Wainwright wants to strengthen the business before going public, or maybe Wainwright and her initial investors want to increase the value of the market share of The RealReal by allowing the company to continue to grow. With her astute business sense, Julie Wainwright knows whether or when she will go public.

Julie Wainwright launched The RealReal in 2012, and while many of her competitors have folded, The RealReal has raised more than $173 million in venture capital funding. In a scant few years, The RealReal boasts 800 employees with offices on the west coast in San Francisco and Los Angeles, on the east coast in New York and D.C. and in the Midwest in Chicago. Her staff includes 75 individuals who authenticate merchandise including gemologists, watch experts, art curators, and brand authenticators.

The RealReal offers authenticated luxury merchandise with brand names like Chanel, Prada, Cartier, and Louis Vuitton. Items include clothing, shoes, fine jewelry, watches, and art. The RealReal has tens of thousands of consigners. The key to the success of RealReal is taking authentication seriously and guaranteeing the quality of the merchandise. Following authentication, items are scanned, tagged, or hung and available for sale online within 24 hours. The RealReal sells most items within 72 hours with a turnover of all inventory every 30 days.”

Oscar success for Academy of Art University

Not many may have heard about The Academy of Art University heard before, however Daniel Arriaga and his Oscar win for “Coco” may have just changed that.

The movie “Coco” has been a huge hit ever since it has been release in November 2017, and it’s all due to the vision of one man, Daniel Arriaga, who is also currently the senior director at Pixar Animation Studios, though you can’t forget that even though something may start out with the vision of one person and takes a whole lot of others to put together a movie, especially one of this caliber. With this movie Daniel Arriage was able to combine two of his passions – his culture and the love for animation, and turn in into one big hit. Not only does this movie have a beautiful story about a boy trying to achieve his dream of being a musician, but it also helps explain the Mexican holiday “El Dia de los Muertos” to those outside of the community that may not see it more as some kind of Halloween. It’s an important holiday where families celebrate those that have passed on from this life. Wanting to show the cultural significance of this holiday Arriaga and his team spend a lot of time perfecting the skeletons of the movie.

When asked by current art students Arriaga advised them to work hard and create a portfolio of their best works and what they’re proud of, while always being open minded and maybe most importantly tenacious.

Daniel Arriaga learned his craft at The Academy of Art University, which is located in beautiful San Francisco and has been there since 1929, though back then it was better known as Academy of Advertising Art.

Today it’s the biggest art and design school that’s privately owned in the Nation, with over 12,000 students and 1300 full-time and part-time teachers.

Daniel Arriaga isn’t the only successful Almuni though, others like Deanne Fitzmaurice (Pulitzer Prize) or Rick Baker (Oscar for Best Makeup) started out here as well.


The Far Malcolm CasSelle Has Helped Wax to Go

It is amazing to see how most people have embraced investing in some in-game virtual assets. OPSkins has become famous when it comes to selling these virtual assets. Malcolm CasSelle happens to be the CIO of this great company. The company is also known to be the leading bitcoin merchant in the world. The company has numerous users who usually make some micro-payments on a cross-border basis. Due to its decentralized protocol, the company has become great on user demand and market size. Those who created OPSkins have also come up with another blockchain platform the users can use when trading virtual assets. The new platform is known as Worldwide Asset eXchange or WAX.

The two foundation aspects of WAX include decentralized smart contracts and blockchain. With WAX, it would be easier for those selling and buying virtual assets to do it more efficiently. The virtual asset markets have had two main problems namely fraud and fragmentation. However, WAX has come up or created a widget with a blockchain system, which enables the sellers and buyers to trade without clicking off their game. With the blockchain, it has become possible to solve the fragmentation problem, which has existed in the market for a long time. It has not been easy for most people to buy and sell their virtual assets from other players in the past. However, with the WAX Platform tokenizing the gaming assets, it has become possible to trade.

Malcolm, the WAX President, is confident that this platform is the best the users ever had. He says that the cryptocurrency world needed this platform to be ignited. The Computer Science graduate from Stanford University has made the cryptocurrency trade market more beneficial and useful to the users today. He has also been at Massachusetts Institute of Technology for other studies. Malcolm was the co-founder of Hong Kong PCCW, which is a publicly traded telecom. He is good at speaking Mandarin and Japanese. Malcolm is one of the investors who invested in companies such as Zynga, Facebook, and the recent Bitcoin-related companies. At PCCW (Pacific Century CyberWorks), Malcolm was a senior vice president and the one who advised the company’s CEO.

Perry Mandera Set the Standard for Business Success and Community Philanthropy

Perry Mandera is the CEO and founder of Custom Companies. His company is a full-service provider of transportation services (Slideshare). The company has sales of more than $200 million, and it is heavily involved in philanthropic activities. Perry philanthropic services have led to bettering the lives of numerous people.

Mandera’s experience in trucking began in the military as a heavy equipment driver in the Marine motor pool. He leveraged this experience to start Custom Companies in 1986. His business was a success, and he decided to sell it five years later. At that time, he pursued politics as well. His company has sponsored more than 100 sports teams for Chicagoland youth.

Customers Cares Charities is on a mission to support diverse organizations that complement the company’s goals. There are far too many underserved in the population. As such, his organization is setting numerous performance records for sponsorships. Custom Companies provides services that include logistics, international air freight forwarding, truckload services, and contract cartage to name several. It also offers warehousing and distribution services.

Custom Companies also utilizes technology in a big way to make sure the company can serve clients in the most effective ways possible. Cheetah Dispatch allows its drivers to access a massive amount of information to streamline operations. Its warehouse management system enables customers to track packages with ease from shipping to the point where they receive their package. Its dock management system enables freight to move quickly and to minimize any delays.

Perry Mandera works hard and his company is a success. It makes a difference when people of his stature give back to the community and make philanthropy a big part of their life. Philanthropy can affect the lives of people in a major way. Perry Mandera sets the perfect example for what business success and caring for others can accomplish.


Drew Madden And The Battle For Healthcare Dominance

There is currently a battle brewing between a current healthcare giant and one of the largest companies on the planet. The battle between these two companies could decide the future of healthcare for hundreds of millions of people across the United States. And one of the leading experts in the healthcare industry, Drew Madden, is positioning his company to benefit no matter who wins.

According to a recent article in, the current health care battle pits pharmacy giant CVS against ecommerce leader Amazon. Right now, CVS is the in the midst of buying Atena in a blockbuster $69 billion dollar deal. Many people believe that the deal is taking place to prevent Amazon from making a disruptive move in the healthcare space.

Recently, Amazon shocked the grocery industry when they acquired Whole Foods. That announcement sent all other grocery chain stocks into a freefall. With Amazon slashing prices at the normally expensive Whole Foods, analysts see the same thing happening to the pharmacy industry.

Right now, the cost of drugs is cost prohibited for many people. And Amazon has the pricing power to force drug companies to lower their prices. Recently, Amazon had obtained permission to begin selling prescription drugs in several states. Several analysists see this as a tell-tale sign that the e-commerce giant will soon buy a major pharmacy chain or begin filling prescriptions in some other manner.

One of the people closely watching the events folding between CVS and Amazon is the healthcare IT executive and entrepreneur Drew Madden. For over a decade, Mr. Madden has been innovating the healthcare IT industry. And no matter what happens between CVS and Atena, Mr. Madden will have his company, Evergreen Healthcare Partners, ready to capitalize on the situation.

Prior to his position as a Managing Partner at Evergreen Healthcare Partners, Drew Madden was the President of Nordic Consulting Partners from 2011 to 2016. In that time, Mr. Madden was able to grow the company from just a handful of employees to well over 700 staffers. As the healthcare industry continues to evolve, Mr.  Drew Madden will position Evergreen Healthcare Partners to lead the way.