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Automotive Computers & Software Finance Personal Finance World

Founder of Plensy™, Sam Errama, has been nominated for an Auto Finance Innovator Award

Plensy™ is proud to announce that its Founder and CEO Sam Errama has been nominated for the AUTO FINANCE INNOVATORS award. This award honors the industry’s movers and shakers and recognizes innovative new developments in the auto finance industry. The honorees will be announced on November 15th, 2021. “It’s an honor to be nominated,” says Sam Errama, Founder of Plensy™. “I’m excited to see what comes of it.”

Sam Errama created Plensy™ to transform the antiquated traditional financial ecosystem, known as the credit score rating, from the current loan processing methodology by offering lending services through the Plensy™ platform. Plensy™ is a completely new and a unique tokenized blockchain technique of disrupting the entire financing concept by removing the old approach of evaluating a borrower’s potential based on their credit score.

In addition, the 2021 Auto Finance Innovators Awards recognizes industry professionals that have made significant technological contributions to their company and the field. It comes on the heels of a year of major innovation in the auto finance industry.

Other notable nominees include, but not limited to, Tanya Sanders, Head of Auto at WellsFargo, Chris Nicotra, Head of Consumer Auto Lending Technology at Capital One, Kevin Singerman, CEO & Co-Founder of AutoFi, and Chris Depperman, VP of Finance & Insurance Operations of Berkshire Hathaway Automotive.

Plensy™ not only brings innovation to risk assessment but also revolutionizes the broader credit and finance market by tokenizing with NFTs as ” Auto Smart Loans”. The Plensy™ token is a digital asset that can be programmed to produce a yield, making it an attractive new class of digital securities.

Plensy™ has reached agreements with over one hundred twenty (120) dealerships in the United States and is pushing forward with an expansion in the $98B DeFi ecosystem. Some of the largest automotive groups in the United States, which collectively operate over a thousand (1,000) dealerships, are ready to offer Alternative Financing to their consumers.

More About Plensy™: 

Plensy™ is poised to disrupt several trillion-dollar markets with a simplified, fair, and intuitive points-based lending-system that expands marketplaces, diversifies risk, and streamlines the process for everyone involved. This would have enormous economic and social impacts! 

https://Plensy.com  

For more information on Plensy’s business model or Seed Fund Round, contact Chief Growth Officer, Brandi Kolosky, Brandi@Plensy.com  

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Automotive Business Finance Financial Market Stock Market News

Plensy™, A Points-Based Lending-System Opens Seed Funding Round to Offer NFT Auto Smart Loans to Dealership Customers

August 24, 2021 – Los Angeles, CA – The Los Angeles-based FinTech startup Plensy™ announces the opening of its $25M seed funding round. Plensy’s patent-pending Points-Based Lending System will compete with digital lending platforms and banks by elevating the vehicle buying experience for both customers and automotive dealerships. For 3 years the team has been self-funding the developement of the technology and systems solving problems holding back the adoption of DeFi into the antiquated automotive sector by applying NFTs to Auto Smart Loans. Plensy™. 

Plensy’s mission is to replace outdated, discriminatory, and draconian credit scoring and lending systems with a smarter, honest, more ethical, and equitable approach to risk assessment and financing, based on real-time data analytics, artificial intelligence (AI), and blockchain technology using asset-backed Non-fungible Tokens

The AI algorithm authenticates protocols and information between the dealership and consumer that are inputted into the Plensy™ DMS (dealer management system) with both transparency and secured methods of verification stored on private and public nodes. Instead of a monolithic credit score often based on outdated or inaccurate information and prone to misuse, Plensy™ evaluates prospective borrowers based on their current buying power and true ability to repay a loan.  

Plensy™ not only brings innovation and a fresh perspective to risk assessment but also revolutionizes the broader credit and finance market by tokenizing with NFTs (converting to a digital format), coined as Smart Loans into programmable, yield baring, new and attractive digital asset class which can be purchased and sold on a state-of-the-art platform cryptographically secured with blockchain technology. The low interest rate that Plensy™ will compete with is desirable among investors looking for a good return on their investments and higher monthly income for dealerships. 

Plensy’s Unicorn pedigree includes addressable market, scalability, unfair advantage, timing coincidence, and its founding team:  

  • Sam Errama, Founder & CEO with 20 years of experience in the Automotive Dealerships and Data Marketing industries,  
  • Murali Margapuri, Co-Founder & CTO with 20 years of experience as CTO & VP of Citibank / Banamex global, and  
  • Brandi Kolosky, Chief Growth Officer with 14 years’ experience in Brand Marketing, Capital Raising, Blockchain & Mining Solutions, Global B2B & B2C Business Development and certified in Innovations in FinTech

 

Approximately one hundred twenty (120) dealerships have signed agreements with Plensy™, because of their attention in cross-pollinating and growing the $98B DeFi ecosystem together. Some of the largest automotive groups in the United States, which collectively operate over a thousand (1,000) dealerships, are ready to offer Alternative Financing to their consumers, beating the quota goal before the funding round began. Plensy’s current financial model only predicts 1% of the $1.4 trillion auto loan market (300 dealerships) — proving the Plensy™ model is the future of car buying. There isn’t competition. There is only coopetition. 

This new approach creates a net positive social and economic impact as millions of previously ostracized consumers are welcomed into the marketplace and new financial opportunities are created for both lenders and borrowers.    

In 2015, the US Congress declared credit scoring to be a monopoly controlled by just one organization, FICO. This monopoly provides credit scoring for more than 90% of the top US lenders. FICO’s credit scoring system leaves over 26 million Americans “credit invisible” and an additional 19 million un-scorable.  

Sam Errama, Chief Executive Officer of Plensy™, expresses: ”We intend to disrupt the antiquated automotive financing ecosystem by delivering asset-backed tokenized loans.”” 

More About Plensy™: 

Plensy™ is poised to disrupt several trillion-dollar markets with a simplified, fair, and intuitive points-based lending-system that expands marketplaces, diversifies risk, and streamlines the process for everyone involved. This would have enormous economic and social impacts! 

https://Plensy.com  

For more information on Plensy’s business model or our seed fund, contact Chief Growth Officer, Brandi Kolosky, Brandi@Plensy.com  

Categories
Business Education Finance Financial Market Personal Finance

Finesse Your Fear Academy Launched to Expand Economic Opportunities in Communities of Color

A wealth coach and successful entrepreneur has launched a new initiative to help minority female business owners to build profitable businesses. Latesha Isbell Howard’s ‘Finesse Your Fear Entrepreneurship Academy’ is now open for enrollment.

Find out more at www.finesseyourfear.com

There is no denying the significant wealth and opportunity gaps between minorities and whites in the U.S.

In an effort to expand economic opportunity in communities of color, Latesha Isbell Howard is launching the “1K to $100K” campaign. The focus of this initiative is to help 1,000 minority female entrepreneurs to cross the $100,000 revenue mark. To accelerate achievement of this goal, her company, Savvy Diva Enterprises, is proud to announce the launch of the Finesse Your Fear Entrepreneurship Academy.

Finesse Your Fear Entrepreneurship Academy students will experience a robust 12-week online curriculum designed to equip them with the knowledge and resources to start and run a profitable business. Latesha has partnered with industry experts to deliver high-quality content on a variety of topics critical to business success.

·        Entrepreneurial Mindset guest presenters: LaTunja Caster PhD and Tommi Billingsley

LaTunja Caster, Ph. D. (affectionately known as “Dr. Everything”) is the owner of Next Level Consulting Group, and the founder of the W. E. One Project, a nonprofit. She provides support and resources in the development of people, families, and communities. Latunja is the co-creator of The Purpose Program and The Southern Network Girls, LLC. which is a safe zone for women entrepreneurs to develop purpose, power, and profit.

Tommi Billingsley is a mother and a community builder with a passion and drive to help women and communities of color feel empowered and capable of reaching their most ambitious dreams. She owns two successful brands, Flygirlshhh (a t-shirt line) and The Fearless Queens (a women’s empowerment company).

·        Legal Protection for Your Business guest presenter: Dana Blue Esq.

Attorney Dana Blue is on a mission to strengthen the minority business community by empowering entrepreneurs with tools and resources to legally protect their business through registered trademarks. Dana Blue Law focuses on clearing and protecting names, logos, and slogans you use (or intend to use) to advertise and sell your products and services.

·        Bookkeeping & Taxes guest presenter: Jean Toney

Jean Toney is an Accountant, small business owner and co-founder of two non-profits who is gifted at one thing – putting strategies in place that take your vision to the next level! Her company, JT Financial Services, offers bookkeeping, tax preparation, mortgage, and credit repair services.

·        Technology, Systems, & Automation guest presenter: Renee Simpson

Renee Simpson, systems and automation addict and self-proclaimed Savvy Gal, helps female entrepreneurs launch, manage, and scale their businesses by implementing systems and automation.

·        Human Resources guest presenter: Joy Pittman

Joy Pittman is a Human Resources Strategist and Thought Leader working to close the racial wealth gap for Black business owners and the people they employ. Affectionately known as the “Olivia Pope of HR,” Joy puts her years of human resources management experience to work supporting black women owned start-ups and small businesses as they hire, build and develop their teams .

·        Government Contracting & Grants guest presenter: LaShonda Bracey

LaShonda Bracey is a serial entrepreneur, author, sought-after training guru and creative visionary. She is the CEO & President of Health-Works and ASAP Training and Course Development. This inspiring entrepreneur is making strides in the world of government training and consulting.

·        e-Commerce guest presenter: Stacey Quinn

Stacey Quinn is the CEO of Bossy Glamworks, LLC, an online women’s clothing boutique, where she’s committed to offering a broad range of stylish and unique garments and accessories for fashionable entrepreneurial women. Stacey has scaled her company to generate nearly a quarter of a million dollars in sales thus far in 2021.

·        Non-profits guest presenter: Tykeysha Boone MPH, CNC

Tykeysha “Ty” Boone serves her community as a published author, speaker, volunteer SCORE Mentor, programs and development strategist and capacity cultivator. Ty has more than 20 years of experience in academic and clinical research, community program planning, and nonprofit management and development.

·        Marketing guest presenter: Tiffany Huddleston

Tiffany Huddleston is a marketing master; connecting companies to new prospects with digital ads and converting leads into buying clients through automated funnels. As Director of Marketing at Strike 3 Marketing firm, she deploys her fourteen years of experience in digital marketing and marketing automation technologies to help her clients generate more traffic and conversions.

·        Branding & Public Relations (session 1) and Networking & Sponsorships (session 2) guest presenter: Shadonna “Mo” McPhaul

CEO ShaDonna McPhaul, also known as ‘Mo’ is a combat veteran with 20 years of loyal service to the United States Air Force. She merged her compassion and entrepreneurial spirit and created Mo’s Heroes Inc. (a non-profit dedicated to serving veterans) and The Mo You Know Marketing and Media Consulting Services.

Latesha will facilitate the remaining sessions: Creating a Business Plan, Setting up Your Business, Funding Your Business, Additional Revenue Streams, and Personal Credit. The ultimate goal of the Finesse Your Fear Entrepreneurship Academy is to empower students to walk confidently into entrepreneurship armed with the knowledge and a blueprint to build a profitable business.

As CEO of Savvy Diva Enterprises, Latesha offers consulting services in which she assesses her client’s current business operations to help them develop an actionable plan to increase profitability and fundability.

As part of the process, clients gain insight into how lenders and credit providers may view the business to allow them to develop their plan for funding success. The goal is to ensure that clients set up their business credibly; establish a positive business credit profile and score quickly; obtain vendor, store, fleet, and cash credit in their business name without a personal guaranty; and become more ‘lendable’ by building their business credit properly.

A spokesperson said: “Running a small business is both rewarding and challenging. Savvy Diva Enterprises is here to empower you to do what you do best. We provide you with customized business solutions and the resources you need to help you take your business to the next level.”

Latesha is also a stage 3 breast cancer survivor who also speaks about her journey to overcoming cancer with a message of faith and the power of positive thinking.

To find out more, interested parties are invited to visit the link provided.

Categories
Business Education Finance

Marisa Cotton’s Drive and Passion for Helping Business Owners Establish Their Fundamentals During the Pandemic is Refreshing

Starting a business isn’t for everyone and it’s especially not for the faint of heart. A couple of statistics that jump out is that 2 out of 10 businesses fail in the first year and 5 out of 10 businesses will fail within the first five years. So establishing and maintaining one’s business is actually harder than when they had started it, based on the available statistics, and these percentages could be worse. That wouldn’t be a stretch. 

This is why business education is important and having a strong network of resources and a team that you can refer to at times when things are not going according to plan. 

Take the recent Covid pandemic for example, which had businesses everywhere scrambling and trying to stay afloat. Whether it was their financial needs drowning them, or systemic and/or procedural needs, saying that it is, or was, rough times would be an understatement.

Marisa Cotton, of Your Star Power Solutions, is one of those resources that business owners turned to. She’s assisted more than 200 businesses during the pandemic by helping them properly establish or correct their business setup and operations. She provided them with the fundamentals they need to propel their business and profits to the next level, in the areas of business formation and set-up, structuring business finances and taxes and business strategy.

“One thing about me is that I don’t just do something for you,” Cotton explains. “I will explain to you what I’m doing along the way. Because at the end of the day, this is your business, and you are the one who will have to be responsible and accountable for it.”

“It’s one thing to talk about starting or building up your business, but what are you doing about it?”

Marisa also adds this when referring to the various “get an LLC” memes that are often parroted on social media. “An LLC is not for everyone. Know your lane and your needs.”

“People like to talk a lot about the marketing and branding of their business, but you’re missing the positioning and foundational structure of your business. Who builds a house starting with the windows?”

Wise words indeed. To put this more simply, we can’t talk about it. We have to be about it.

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Business Employment Finance Personal Finance Services

Taneshia Kerr accepted into Forbes Business Council

 

Fayetteville, NC April 1, 2021 — Taneshia Kerr, Interim President & CEO, Greater Fayetteville Chamber, has been accepted into the Forbes Business Council, the foremost growth and networking organization for successful business owners and leaders worldwide.

 

Taneshia Kerr was vetted and selected by a review committee based on the depth and diversity of her experience. Criteria for acceptance include a track record of successfully impacting business growth metrics, as well as personal and professional achievements and honors.

 

“We are honored to welcome Taneshia Kerr into the community,” said Scott Gerber, founder of Forbes Councils, the collective that includes Forbes Business Council. “Our mission with Forbes Councils is to bring together proven leaders from every industry, creating a curated, social capital-driven network that helps every member grow professionally and make an even greater impact on the business world.”

 

As an accepted member of the Council, Taneshia has access to a variety of exclusive opportunities designed to help her reach peak professional influence. She will connect and collaborate with other respected local leaders in a private forum and at members-only events. Taneshia will also be invited to work with a professional editorial team to share her expert insights in original business articles on Forbes.com, and to contribute to published Q&A panels alongside other experts.

 

Finally, Taneshia Kerr will benefit from exclusive access to vetted business service partners, membership-branded marketing collateral, and the high-touch support of the Forbes Councils member concierge team.

“I am honored to be invited to be part of the Forbes community of thought leaders and business professionals,” Taneshia said. “While this is a great opportunity for me to grow, it is an even greater opportunity for the Chamber to access world class caliber resources to be redeployed in the development of our members and the wider Fayetteville/Cumberland community.”

 

ABOUT FORBES COUNCILS

Forbes Councils is a collective of invitation-only communities created in partnership with Forbes and the expert community builders who founded Young Entrepreneur Council (YEC). In Forbes Councils, exceptional business owners and leaders come together with the people and resources that can help them thrive.

To learn more about Forbes Councils, visit forbescouncils.com.

 

Greater Fayetteville Chamber 

 The Greater Fayetteville Chamber was formed in 1899 and represents 700 businesses and organizations in Fayetteville/Cumberland County and surrounding areas.

910-483-8133

225 Ray Ave, Suite 165

FayBiz.com

Chamber Mission: “Building a prosperous & resilient community through business leadership”

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Education Finance Human Resources Uncategorized

How Does Gamification Enhance Mathematics In The Classroom?

What is gamification? How does it help in Math education? Here is how:

 

Thanks to the ingenuity of one Nick Pelling, gamification has changed how activities are carried out. Being a game developer from Britain, he coined this term in early 2000s as a tool for enhancing quick and fun electronic transactions.

 

Gamification applies the use of game-playing in non-game activities. Its intended purpose is to motivate, enhance participation and improve memory skills of the activity.

 

Nowadays, gamification has found its way into other industries such as education. As a result, it is applied in numerous subjects, one of them being Mathematics.

 

Here are 5 ways that gamification helps in Math education:

 

  • Gamified Math lessons enhance problem-solving and thinking skills in students. During such lessons, students will use all sorts of tactics to win the games. This improves their problem-solving skills and how they process a challenge, both of which are useful in Math.

 

  • Gamification serves as an assessment tool for learning abilities in students. As a tutor or teacher, you are able to analyze learning styles, strong areas, weak areas as well as their way of approach to each Math topic.

 

  • Gaming elements in Math lessons improve interpersonal relationships and interactions among students, parents and teachers. It narrows the generational gap between children and adults. This creates openness and freedom of expression, hence children easily seek help.

 

  • Gamification fosters an open-minded approach. It enables students to understand that there are always two sides to every story or situation, and that none is superior to the other. Losing, whether in Math or life is not the end, you have to try again.

 

  • Gaming elements enhance active participation in classrooms. For subjects like Math, active participation is an indispensable tool that mitigates boredom and facilitates better understanding of topics.

 

When used effectively, gamification enhances solution-seeking, interactions and participation in Math lessons.

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Arts & Entertainment Australia Finance

PUNYAM HAS LAUNCHED NEW WEBSITE TO SERVE ONLINE ISO AUDITOR TRAINING COURSES

Jennifer Bradley Skincare introduces their new The Best DNA Repair Cream which is a deeply hydrating cream that has a very unique texture. It is not a super heavy cream, it is a bit thinner and it contains ingredients that are purported to promote the health of our cells, our DNA, specifically lengthening our Telomeres, hyaluronic acid, and it has a bonus ingredient that is a surprisingly powerful collagen booster, antioxidant, and is rich in minerals needed for greater moisture retention: Crushed Pearl

Every woman knows that not all makeup is created equal. Stores like Ulta and Sephora have mastered their advertising skills to make it seem that you need the newest additions to your makeup collection. However, there are lesser known companies that make great makeup such as Jennifer Bradley. According to one beauty website The average woman spends about $40 on makeup per month, but this can also include beauty supplies such as lotion.

When you’re walking around in the mall, it’s always tempting to step foot inside a store and get color matched, or get your eyebrows done by a beauty technician. As a huge a growing business in the US, it’s worth tracking how much money is being spent by women each month on these products.

And, let’s face it, everyone is at a different level when it comes to putting on makeup. Lots is being spent but the skills to do it right are in high demand. Fortunately you’ve got experts like Jennifer Bradley who are to help us out.

 “Pearls are a potent antioxidant that help restore your body’s super-critical enzymes and reduce peroxidation. Pearls also contain polysaccharides, 17 amino acids, more than 30 trace minerals and vital proteins which help stimulate the body’s regeneration of collagen (which is what keeps your skin looking youthful) according to their website.

Founder Jennifer Bradley states,” There has been a definite need amongst my clients to have a much richer moisturizer, something that will quench the thirst of the driest skin, and yes, we always want younger, firmer, more radiant skin. I knew I wanted to add crushed pearl to the product, but when I heard about the latest studies on Telomeres, my interest was definitely piqued. When I tested the actual ingredient in another company’s product, I actually saw that the ingredient did something extraordinary for my skin, yet it was so expensive.”

For two years Jennifer Bradley and a lab has worked directly with one of the Nobel prize winning scientists who pioneered this research developed this cream. 

Customers can shop luxury skincare products at jenniferbradley.com