Hometown Journey

GreenSky Credit Suprises with Strong Q2 Earnings

Point-of-Sale financing is one of the most exciting financial trends of the past decade. And one Fintech company is leading the POS financing movement with surprising Q2 earnings following a successful IPO. That company, GreenSky Credit, is leading the way with strong revenue and a recent alliance with a credit card giant.

According to a recent article in Forbes, GreenSky Credit has been gaining momentum since the announcement of strong Q2 earnings. The results of these earnings comes from the FinTech’s business model of acting as a “middleman” between merchants and borrowers with a strong credit history. Because of this intermediary position, the company bears little risk.

In addition to their strong earnings, GreenSky Credit recently announced a partnership with American Express. This partnership will market the FinTech company’s lending services to American Express’s massive merchant customer base. This partnership has the potential to greatly expand the FinTech company’s portfolio of over 12,000 merchants who are already using the lending app.

This news comes on top of the company’s $800 million IPO in the middle of 2018. GreenSky Credit is known as a “unicorn” company, a term used by Silicon Valley and Wall Street insiders to refer to start-ups with a $1 billion dollar or more valuation. The FinTech company has continued its momentum and is now considered an undervalued by Forbes.

So what exactly does this FinTech do? The company offers a point-of-sale lending platform for a variety of merchants such as general contractors, medical clinics and solar panel installers. The merchant offers instant financing to their clients or customers. This quick lending platform allows the merchant to close more higher ticket sales and gives the customer access to quick financing.

Based in Atlanta, GreenSky Credit was founded in 2006 by its current CEO David Malik. Currently, the FinTech company secures lending from 14 financial institutions including Regions Bank and FifthThird Bank. From 2012 to 2106, the company had loaned out over $5 billion dollars. As the company enters its next decade, GreenSky Credit will look to expand the point-of-sale lending market.


Skout Goes Global

Skout honored international Online Friendship Day by taking a moment to recognize the important role friends play in our ever-changing digital world. Founded in 2007, Skout is a pioneer is the world on online socialization, who gives us the opportunity to meet people and expand our social circles globally. According to CEO and co-founder, Christian Wiklund, “We facilitated more than 680 million connections on our platform last year, and as our latest survey shows, having friends you met online is the norm in today’s digital society.”

Key points from Skout’s online survey included to the following:

On average, 3 out of 4 people have online friendships with people that have never met in real life.

  • Out of the participants, 76 percent state they have at least one online friend they have never met in person.
  • Over 83 percent would like to meet their online friends in real life.

Out of the all the surveyed participants,62 percent stated that they have at least five online friends, and over 41 percent have over 10!

Globally United

Interestingly, over 64 percent of Americans have formed friendships with people on a global level. Over the past 10 years or so, there have been many changes in the way we live, work and communicate, but one thing that has remained the same is the need for friendship. Skout makes it easy to connect with people around the world. With over 16 million journeys taken during 2015 via Skout’s Travel feature, it’s become apparent that online friendships are no longer a fad.

Skout Specifics

As the largest global medium for meeting new and interesting people, Skout has made it possible to expand our social circles. Skout’s community spans over a whopping 180 countries and is currently available in 16 languages. Skout’s innovative cutting-edge technology has change they way we look at friendships.

Dating Online Is Becoming Increasingly Popular

It was not that long ago that in order to date, you had to meet someone in person. However, those days have changed a lot due to the internet. The internet has made it so meeting someone is as easy as the click of a mouse. There are numerous sites on the web that cater to individuals looking to date. However, it is very important to choose wisely when it comes to dating sites. Some of them simply do not deliver what they promise. Others may not suit your individual tastes. It is important to do some research before giving anyone your money or personal information.

One great dating site is Skout. This website has a high degree of popularity, and it also has been reviewed very well by people that use it. It also has a reputation for being a safe place to date. It also has multiple purposes beyond simply dating. You can be assured that you are getting your money’s worth with Skout. There are also many different options to pick from with Skout.

You can use Skout for a variety of different purposes. You can use it to meet people for both platonic and dating purposes. It is a dating site, but it can also be used as simply a place to meet friends. You can punch in things that you are interested in and looking for in a friend. Skout will match you with compatible people for friendship.

If you are looking to meet people while away from home, you can use Skout for that too. Skout has features that are designed for travelers. You can find other travelers to an area, and you can meet up with them. Also, you can find locals to hang out with while on vacation to a variety of different areas.

Furthermore, it is also a very effective dating site. There are many people on Skout, so there are many options for people to date. You can find people who would be compatible with you and your interests. In addition, dating with Skout is very reputable and safe.

Skout can also be used by teens for friendship, but it can also be used for dating. There is a teen section of Skout that is moderated. This section is closely monitored by staff to ensure safety for teens using the site. Anything objectionable is not allowed in this section of the site.

Skout is also very easily available away from home. You can get skout on mobile devices. This enables you to search for friends or people to date while you are away from home. The mobile version of the site has all the features that you will need to meet people at home or away from home.

Skout is a great, well rounded dating website. It is very popular. It is also very effective for both dating and simply making friends. Also, both adults and teens can use it.

FreedomPop: Free Monthly Service with the Moto E

Finding the right cell phone can be a chore when you’re not sure what carrier to go with, or what type of phone to choose. While most phone companies price their phones competitively and try to offer the lowest deals, if you aren’t careful you can still be roped into a contract with a high monthly bill. Once you sign a contract for a year or two, it can cost hundreds of dollars to get out of.

Luckily, there is an alternative to all of the confusion. Freedom Pop offers a 100% free cell phone service, where customers can get free texting, minutes, data, and international calling. The first step with FreedomPop is purchasing the cell phone. For just $49.99, customers will get a second generation Motorola Moto E. This phone will be a pre-owned model, but the company does thoroughly check the phone out before selling it to their customers. The first month is a free trial. Customers receive unlimited talking and texting on engadget, as well as a one gigabyte data plan. After the free trial period is up customers can choose to keep this plan for just $19.99 a month, or they can opt to receive the free plan. The free plan includes 200 minutes of talk, 500 texts, and a data plan of 500MB.

For those who need more, FreedomPop offers what they call Premium Plus service. This plan will give the customer additional amenities such as visual voicemail, wireless capabilities, data rollover, and the ability to receive videos and pictures through their text messages. The plan comes with a 30 day money back guarantee, so customers who are not satisfied with their phone or service can cancel and receive their money back. Additionally, there are no contracts of any kind, so service can be cancelled whenever one chooses.

Originally reported on Android Authority, http://www.androidauthority.com/moto-e-2nd-gen-freedompop-648840/, this phone can be a lifesaver for those on a budget. The Moto E is powered by a Qualcomm Snapdragon 410. It has 1GB RAM and *GB of storage. A microSD support is included. The screen resolution is 540 x 960, and the phone includes a 5MP main camera.

Scouting Top 10 Friendliest College Towns in America by Skout

In August of this year, Skout, a global app on zendesk.com leader specializing in social networking, conducted an online survey among 2523 of its users. Based on the responses of college-aged students regarding where they could meet and socialize with others their own ages, a list was generated. Among other things, a list of the highest-rated 10 “friendliest” places are as follows :
1) Madison, Wisconsin
2) Los Angeles, California
3) New York City
4) Ann Arbor, Michigan
5) Chicago, Illinois
6) San Francisco, California
7) Boulder, Colorado
8) Phoenix, Arizona
9) Philadelphia, Pennsylvania
10) Dallas, Texas

The app has a community of users in over 180 countries and in 14 languages. The social networking app allows people to meet up with others and expand their social networks. Over the last 12 months it posed numerous questions to students in college towns across the US, and honed in on cities that college students reported that they had frequented and befriended other students via the app.

Christian Wiklund, co-founder and CEO of Skout stated, “It’s always fun to look at what the data from our community reveals,” and, “Hats off to all the Skouters in Madison, Wisconsin for helping it top the list as the friendliest college town in the U.S.”

Data collected from the study showed that:
• Boston, Massachusetts, with over 100 colleges and universities within its metro area (aka “American’s College Town” according to studyboston.com), ranked #12 on Skout’s Friendliest College Towns list
• Boulder, Colorado has the friendliest college-age males in America, while Madison, Wisconsin claims the friendliest college-age females
• Los Angeles, California is home to the most generous college-age adults

The study also noted that young adult Skout users in Los Angeles, share more virtual gifts with friends than college-age adults in Boston, MA, Miami, FL, Chicago, IL, and Dallas, TX, combined.

In a similar app user study of 2,500 college students across the nation, ages 18-24, participants were asked questions pertaining to the social aspects of college life. The study revealed:
• 57% Believed it was harder to make friends in high school than in it was in college
• 59% Were concerned about making new friends in their freshmen year
• 72% Made great relationships within the first week on campus.

When students were asked, “Where was the best place to meet friends?” Their responses were as follows:
• 75% In class
• 42% At parties
• 39% During [college] orientation
• 34% Online

Some common places on campus students indicated friends could be made included:
• 36% Dorms
• 35% Cafeterias
• 28% Sports teams
• 27% Libraries

Lastly, regarding initial feelings of student upon arrival at college, while the survey data indicated that over one-third (37%) of students arrived on campus without knowing anyone, the study also showed that:
• 73% of college students say they consider their roommate a friend
• 61% of college students say women are friendlier than men on campus

To view an infographic with the survey finding, see more results, and or to participate in the study, visit the Skout blog at http://blog.skout.com/2015/09/10/10-friendliest-college-towns-in-america/

Getting A Clean Home With Handy

Cleaning our homes is important to ensure a healthy environment that is safe to live in. The problem is that the task of cleaning can consume many hours and a lot of money. Knowing which cleaners are the best ones to use and which ones to avoid can take a lot of time to research and decide. It sure would be nice to be able to hire someone to do it for us.

Hiring people to do the work can be difficult in and of itself. There are so many different companies that can be used. Are the people who do the cleaning people ho can be trusted? Will they show up when they are needed? Will you be over charged? These are all issues in using local cleaning services.

There is a solution to these many issues. Handy on apple is an uber based company that will do the background checks and assure that you get the services you pay for. Operating in 13 cities presently and in the works to open more locations based on the success they have had. The best part is that getting the services needed is as simple as using a basic smartphone app.

Download the app Handy and then type in the zip code for where the services are needed. Then you will be asked to type in the job or rooms that need attention. Specify date and time and a quote is automatically generated. All privately with no obligation to accept it.

If the quote is one that you can live with, then hit accept. The app will then take your information. The app will also charge your card, including fees and tips. There is also o need to worry about the people who show up for the job. Many apply to Handy but only 3% of the applicants are accepted.

Handy is a whole new way to get your house cleaned. They screen the people. They provide everything that is needed to get the job done. They take the liability for lost, stolen, or damaged items. Handy has been providing thousands of jobs in the workforce that have allowed many people to get that viable paycheck they need to pay bills and establish good credit.

Founded by Oisin Hanrahan and Umang Dua, Handy has seen exponential growth every month for the past three months. Positioned to continue to grow Handy is gainng speed and changing the way people work and get their homes cleaned. Handy can also provide plumbing services and handy man services to those who need them.

Why stress over getting your home clean? A simple tap on a tablet, phone, or portable computing device will get you a clean home and it will be at a price that you can afford.

Flipora Is Helping People To Discover New Things

Social media is something that is used in most households across the United States, and beyond, and it is something that keeps people entertained and happy. Social media allows its users to find something fun to do when they would otherwise be sitting bored in a waiting room, or laying in bed and unable to sleep. Social media allows people to form connections with others that they would never have been able to have, otherwise, and it also allows small businesses to get a good start with their business. Social media makes many people happy, and there is nothing more exciting to most people than when they discover a new app.
Flipora has been gaining a good amount of users since it first came out. People are getting excited about this social media app, and they want to get in on the action. Younger people and older people alike are wanting to try Flipora out, and once they see all that it can do for them in connecting them with web pages that they will love, they will be hooked.
Flipora is different from most other social media apps that are out there, and its differences are what make it great. People enjoy learning something new and having something unique to keep them entertained, and that is what has gotten so many people’s attention when it comes to this new app. People saw that it was something like they have never used before, and they were excited to get their hands on it.
Social media allows people to be entertained in so many different ways, and it is a great thing when a new social media app comes out. It’s great for people to know that they won’t have to grow tired of the apps that they have on their devices, currently, because there is constantly something new coming out to keep them entertained. And it is a great thing when the new app that comes out is even more useful to them than the others that they have used before. Social media can help people out in so many different ways, and it is fun for people to discover all that they can through it.