Crosses For Losses

Reasons To Refinance Your Car Loan

There are four main reasons to refinance a car loan. Sometimes lost in the long and complicated process in buying a vehicle is getting the best loan and terms you can. Many leave this up to the car dealership to provide them a loan, or the bank they have their money at. This can leave a person with a higher interest rate than they would otherwise have gotten, and sometimes circumstances change after you purchase a car and are still paying the loan back. In either case refinancing the loan might be the best decision to make.

A big reason to refinance a vehicle loan is when interest rates have dropped from the time you initiated the loan. Even though refinancing a used car is more expensive than a new one, the new interest rate you obtain can be lower than when you purchased the vehicle.

Another factor that commonly happens is that your credit score has improved. If you’ve been diligently paying your debts and keeping your outstanding credit under control you have likely improved your score from the time that you originally purchased the car. In this case you might qualify for a more favorable interest rate. It might also be the case that since the time you got the loan something negative has fallen off your credit history, which will also have likely led to your credit score going up.

Another common reason to refinance is that you didn’t get the lowest interest rate when getting the car. In this case you can likely shop around and find a better rate from another loan provider.

It might be that you need to reduce your monthly car payment, in which case refinancing to a longer term might make since as it should reduce your monthly payment amount.

A company that offers auto refinance services is Ignition Financial. The company, based in Houston Texas, can be reached on their website Using the Slash My Payments is simple to do, and will give you a quick answer as to whether you will qualify for a better interest rate and terms as compared to what your current auto loan is offering. They will pull your current credit score and give you an accurate figure with competitive interest rates and flexible loan terms.


History of OSI Group and the acquisition of Baho Food

OSI Group was started in 1909 as a family business owned by Otto Kolschowsky ( a German immigrant to Illinois in 1907). Otto had to move to Maywood to turn the small meat market into an extensive meat business. The development took eight years. For decades, the new Otto & Sons became a very popular meat supplier for the locals. However, their biggest breakthrough was when the then- startup McDonald’s struck a deal with Otto & Sons as the main provider of quality ground beef patties for its primary restaurant in Des Plaines, Illinois.

Still maintaining their position of being one of McDonald’s major suppliers, Otto & Sons constructed their first meat processing plant that was based in West Chicago. The plant housed machinery which could shape patties perfectly and freeze food using liquid nitrogen. In 1975, Otto Kolschowsky’s descendants decided to formally change the name of the company to OSI group.

The OSI Group not only produces food products, but has also acquired various manufacturing companies in the food industry. Their recent innovation was the acquisition of Baho Food. This was announced on the 8th of August 2016. Baho Food is a Dutch manufacturer of deli meats, snacks and convenience foods serving the retail segments and food service, for an amount that is undisclosed.

The president and Chief Operating Officer of the OSI Group, David McDonald, said the deal, subject to the approval of the government, will allow the OSI Group to grow its business in the European market. In addition, he also stated that the portfolio of brands and products of the company complements the OSI Group’s processing strengths, and at the same time broaden their capabilities to serve the needs of their clients to satisfaction.

For almost 60 years, the Baho Food has been able to develop five branches with processing plants in Netherlands and Germany. The five companies include Henri van de Bilt, Gelderland Frischwaren, Q Smart Life, Bakx Foods and Vital Convenience- serve various customers in 18 different European countries.

According to the OSI, John Balvers, the managing director and his team at Baho Food would remain as part and parcel of the business. They would also work together with the OSI officials towards developing a growth strategy for the combined companies. According to him, the acquisition will play a major role in offering clients a wide range of products and services.

Balvers also states that the combined strengths will make them better and be in a position to support their clientele in realizing their strategies and offering them a wider product portfolio.

Connect with OSI Group on LinkedIn for more information.


Former Hawks Owners Files a Lawsuit for Breach of Contract

The Atlanta Hawks Basketball team former owners have filed a lawsuit against their previous insurer, New Hampshire Insurance Company. The lawsuit has been issued to the insurance company for failing to settle claims that were done by former general manager Danny Ferry. The present day owners of the basketball team have not been included in the lawsuit. However, one of the plaintiffs listed in the lawsuit is Bruce Levenson.

The ESPN reported lawsuit dated September 13, 2016, was filed against the insurance company with legal claims for breach of contract and insurance bad faith. The former Hawks owners claim the team was covered against certain losses related to employment practices such as acts of wrongful termination or demotion.

The current Hawks owners acknowledged that they were aware of the complaint, but the people involved in the issue no longer had any involvements with them. The owner of Ferry and Hawks had ended their six-year-long relationship on June 22, 2015, two days before approval of the company sale. See,

The lawsuit states that some of the claims by Ferry not only triggered the policy of the insurance company but also were within the policy cover. It further states that the insurance company has deliberately not paid the losses without any significant reasons and in bad faith.

Levenson alongside Ed Peskowitz and other businessmen formed a group (Atlanta Hawks LLC) which owned the Atlanta Hawks basketball team and the Philips Arena. He alongside the other businesspeople secured the basketball team, NHL’s Atlanta Thrashers, and the Philips Arena in 2004. Levenson sold the ice hockey team to a Canadian based ownership group for $170 million in 2011. PR News describes Bruce Levenson as a well-known philanthropist and has been involved in organizations such as the I have a Dream Foundation and the Jewish Federation.


Fabletics proves trendy active wear is big business

Kate Hudson, CEO of Fabletics has made workout clothes a big business. Joining forces with CO-CEOs of Justfab Inc, Don Ressler and Adam Goldenberg, they introduced a profound solution to the active wear arena. They successfully filled the gap in women’s fashion where active wear was not a major player. They saw an opportunity to add glamour and convenience around a stale component that existed within fashion that no one had targeted.


Starting this powerhouse just over 3 years ago, the brand has proven to be more about inspiring women to live free and look fabulous while doing so. What was once thought of as the attire for a workout enthusiast, is now the necessity of any woman as a go-to outfit for running Saturday morning errands, going to cycling class, or meeting a girlfriend for yoga and then grabbing lunch. Fabletics has made a significant footprint in the active wear industry by utilizing the reverse showroom technique. Fabletics mastered this technique by combing both the in store and online shopping experience into their business model.


Show-rooming is a strategy that many retailers use. It is however a costly strategy as most consumers will look but end up buying a cheaper version somewhere else. Reverse show-rooming is where people go online to research what they want to buy to help make their buying decision. In today’s retail market consumers want as much information as possible before making a buying decision. This means that the retail experience must take the pressure off of the consumer and have information at their finger tips that answers their questions now. This is how Fabletics used reverse show-rooming to accelerate their brand.


Their membership based platform provides exclusivity at an affordable price with high quality and trendy apparel. Fabletics understands who their customer is, what they want and how they want it. Knowing all of the specifics around their customers provided a road map to how to create the best consumer experience. Some of the main points that make reverse show-rooming work for Fabletics is their ability to have a program that tracks purchases and reward repeat buyers, utilizing current technology and engaging the power of social media marketing. Based on this, Fabletics offers more flexibility and convenience to their customers than a typical active wear retailer.


Although their online presence is probably how most consumers know the brand, they have ventured in to the traditional store front model as well. An equally added bonus to their online store, as members that shop at a traditional Fabletics store can have items they liked added to their online cart. That technology in itself is impressive as it adds another level of to the customer experience and it adds another level of marketing.


Fabletics has taken the reverse show-rooming strategy and made it their own. Focusing on their customers and understanding how to make this strategy effective for their business model.

Billy McFarland Is The Genius Behind A Successful Startup

Billy McFarland is becoming a serial entrepreneur. He was born in New York City and raised in Short Hills, New Jersey. He founded his first online business when he was 13 years old. The Outsourcing business had clients that needed designers. He studied Computer Engineering at Bucknell University in Lewisburg PA.

He is the founder and CEO of two ongoing enterprises. “Spling” is a successful company that has Universal and Discovery as a client. You can transform your text to graphics that resemble mosaic images on bulletin boards.

The second enterprise is called Magnises that Billy MacFarland launched in August 2013 along with a mobile app. The Magnises “Black Card” was launched March 2014. There are more than 10,000 members and the company has $3 million in venture capital. Magnises are being introduced into Loa Angeles, San Francisco, Chicago, Boston, Atlanta, and London.

Billy is bringing the Millennial Generation together to enjoy their lives. The “Black Card” is a symbol of belonging to an exclusive club that has perks in their city. The seven thousand members in New York and Washington, D.C. enjoy contacting the Magnises concierge app to find out what’s going on in their city. The membership is $250 per year. The members promise to become active in the Magnises community.

Read more: @magnises

The membership of Magnise count has reached more than 12,000 in 2016. The benefits include getting hotel rooms for $79 per night and when you arrive at the hotel get a free upgrade to a suite. Tickets to sold out concerts, theaters, restaurant openings, invitations to special gallery openings are a few of the perks.

Billy added a new feature in Magnises called the WorkPass. The New York members can pay $99 monthly to use the Alley co-working offices. In the community, you can have a Shared Desk that is left vacant in the common room. The Dedicated Desk is where you can keep your computers and office supplies. The Private Office is where you and your team can work and still mingle with the Magnises community. Magnises corporate offices are operated from Alley.

Networking is an important aspect of life at Alley. You can meet with established and successful entrepreneurs, meet with marketing agents for your new product, and how to begin a startup without the pitfalls.

Become a member of Alley and enjoy the perks of coffee, cereal tea, printing and office supplies, a lunch catered weekly, mailbox, unlimited events and a dedicated manager on hand. The Alley is open 24 hours every day of the week for members and Monday thru Friday from 9:00 a.m. to 5:00 p.m. for nonmembers. There are several locations where you can join the Alley community TechStars, NYU Steinhardt, Midtown, and Chelsea New York.

Visit the website for a virtual tour or schedule a visit in person.

See the benefits at
Look for Magnises on Crunchbase

The Successful Career of Christanna Bevin

Christanna Bevin Tubman is a specialist in project management. She has loads of experience in providing innovative services to resource and utility sectors. Over the years, she has helped firms in these sectors with change management, process improvement, and capacity building. Currently, she works at Consulting Services as a project specialist. The company is located in Brisbane, Australia.

At Consulting Services, she has participated in several critical projects. Her efforts and knowledge has ensured that these projects have yielded the expected results. Some of these projects include Kogan Creek Power Station Major Overhaul for CS Energy, Contractor Management Workplace Health and Safety for Water NSW, and Greenfields Coal Project. She has also been involved in forensic claim review for major hospitals during their redevelopment projects.

Bevin is respected for her exceptional skills in engagement and stakeholder relationship management. These skills are supported by her excellent oral and written communication prowess. She is also good at problem solving, observation of work ethics. In addition, she has a deep passion for her job. Bevin often goes the extra mile to ensure that she exceeds both her client’s expectations and her personal objectives.

Before joining Consulting Services, Bevin worked for Phu Bia Mining Company between May 2014 and August 2015. During this period, she served as the Project Services/Project Controls Manager. At the firm, she was charged with the duty of ensuring the delivering of the set scope of mentoring, capacity development, and training. These objectives enabled her to oversee the successful transitioning of the Lao-based Capital Projects Team from one that is managed by regional expatriates to one that is administered by Lao national staff. In addition, Bevin oversaw the successful adoption of Cost Control software that helped Phu Bia Mining to manage its operating costs. This information was originally reported on Linked In as explicated in this link

Bevin was the project services manager for Universal Energy Services. She worked for the firm between May 2011 and May 2015. Bevin was in charge of providing consultation services. She was also responsible for formulating ongoing budget requests, auditing projects, and development of schedules. Formerly, Bevin worked for Oakajee Port and Rail, Chelopech Mining EAD, and UGL Limited. Christanna Bevin has a sound educational background. She holds an MBA from the Australian Institute of Business.

The Standards Set in Assisted Living

Farron Bernhardt was recently presented as the new senior living community’s new Chief Executive at The Manse on Marsh located in downtown San Luis Obispo. Bernhardt has over 30 years experience working in various senior housing leadership positions including being the Vice-chair of Assisted Living for Nevada Housing and Neighborhood Development (HAND). He is well known for his active management style which fits well the Manse Marsh’s community of staff and residents. He comes to this community with the objective of setting the standards for excellence not only in the Central Coast but also far and wide. This is in relation to his core duties of improving senior care in such facilities.

The community at The Manse on Marsh has received several awards among those being the Star Award which they won in two consecutive years. Most recently, the community was designated as the “ Best 2016” by This ranks them among the best 1% of senior healthcare providers in the country. The addition of Farron Bernhardt will play a significant role in improving the conditions of the facility even further.The Manse on Marsh is situated in downtown San Luis Obispo which is regarded as the center of the Central Coast. This facility serves a home for families who are seeking assisted living care in areas like Arroyo Grande, Paso Robles, and other neighboring areas. The facility has various amenities that include private homes and flats, restaurants, transportation, maid and laundry services, social activities, caregivers, nurses and personal assistance personnel.

The staff at this facility are friendly and make sure that the residents are well catered for in a safe and conducive environment. There is a wide variety of lifestyle options to choose from which blend well with an individual’s privacy, independence, safety and comfort. Some of these lifestyle options include single bedrooms, studios, adjacent homes and cottages. In addition to these, there are also complimentary services which are offered to align with any particular lifestyle. This facility is not for permanent stays only but also accepts temporary stays as well. This also includes respite stays for those who are recuperating. This then works towards improving the welfare of respite resident’s rehabilitation program with the objective of benefiting each and every resident in the community

Why WEN Can Cleanse

If you’re interested in cleansing the best way, look into getting a cleansing conditioner. For a few reasons listed below, this is the best way to clean your hair (it’s called “co-washing,” and it is the latest thing):

  1. It is easier. Of course, you will only have to purchase one bottle this way, and so it makes it easier to remember which is which, and to cleanse your hair.
  1. It is more effective for getting every strand. You’re sure to love how just a little bit goes a long way with this product. It will make you feel so much better.

If you have any doubt, try Wen hair for their perfect cleansing conditioner. WEN has been around for a long time, and they strive to provide the best hair-care experience for you and yours. You will be sure to appreciate how easy it is to find their products, too, and the company has customer service as satisfaction as its first priority.

They’re also educated in ways to make your hair better. So, you can rely on WEN by Chaz Dean ( for all your haircare needs. Did I mention that you’ll be able to find them online? That’s another positive. And who doesn’t want to try it now? Need WEN hair care? Get the products online via eBay or Guthy-Renker beauty store.


New technology in Communications

Technology is constantly evolving in many industries today. If you want to invest for the future, this is a great way to do so. As a small business, it is vital to continue to innovate whenever possible. Talk Fusion is a company that has had success in recent years due to their investments in technology and infrastructure. Over the long term, a lot of people are excited about the new products and services that are coming out from this company. If you want to take your small business to a new level, this is the way to go.


Talk Fusion


From the time the company was started, Talk Fusion has invested a lot of time and money into the experience of customers. If you want to grow your small business, you need to make sure your current customers are satisfied with the products or services that you are providing. Over time, this is the best way to grow your business without an infusion of capital. Talk Fusion has done a great job of developing new technology that is going to take things to a new level in the world of communications.


Future Growth Plans


Talk Fusion has won a variety of awards for their work within the industry. The exciting part about their company is that they are just getting started. As their sales and profits start to increase, the overall investment within the company is just going to increase as well. Talk Fusion is a great company to work for, and they treat their employees well. Looking at the data, it is no wonder that this company is doing so well in recent years. If you want to invest for the future, you need to make sure that you are working with Talk Fusion. Their new communications technology is working to take things to a new level within the communications industry. For many years in a row, this company has done a good job of investing into the lives of others.

Lime Crime Cosmetics, A Leader In Their Field

If you have not heard about Lime Crime, you might be living in a cardboard box. Lime Crime is a makeup company created and founded by Doe Deere, and she also curates the official ILoveLimeCrime blog. Doe is a powerful business woman in her own rite. She founded Lime Crime on a hundred dollars and a dream. It was no secret that many of the makeup customers had been asking the makeup companies to develop makeup that offered more than standard nine to five colors. Doe understands the product would sell because it was something that people wanted and were asking for. She took this request and turned it into the business that is Lime Crime, which is now available in the United States from Urban Outfitters.  But Lime Crime has also found a home in UK makeup stores.


Lime Crime offers cruelty free, vegan approved makeup. What does that mean? It means that there are no animal tests and no animal products used in the making of the Lime Crime makeup line.


Lime Crime is all about the freedom of personal expression. Doe Deere often talks about this with young business people. Doe tells them to find their own path and be who they are. Her business philosophy is highly respected and sought after because it encourages people to be who they are, dress how they want to and have fun in your life and your business.

Lime Crime has been quite popular on social media sites like Instagram and Pinterest. People who use the Lime Crime Makeup line are often found posting photos and comments about how they are using the makeup line. This is a makeup that is bold and colorful. You can wear it to a rave or to the university. You can wear it to work too, just remember that this makeup is not the same makeup that your mothers mother used to wear. This makeup is new, exciting and colorful. This makeup line is about bold tones that are built to express your personal style.


If you are looking for a high quality, animal friendly makeup that is fun and exciting, Lime Crime makeup is the brand for you and you will love to express the true to life you when you wear the makeup inspired by Doe Deere.