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PSI Pay’s Take on Digital Finance

Present day banking systems have made life easier for individuals who want to keep their assets safe. Not only do banks help you safely deposit and save your money, but also take loans, which can be benefiting during emergencies. Banks can be categorized under the risk management form of business.


Currencies are classified under three groups: commodity money, representative money, and fiat money. The three categories are subdivided depending on the type of asset. Goods, services and precious metals fall under commodity money, bank notes that prove the possession of commodities kept for security at the bank fall under representative money and fiat money encompasses the money that individuals circulate on a daily basis. Fiat money can only be valued when its creators are in existence. Fiat currency is created when the central bank of the nation exchanges assets that involve new money with private banks. The new money can be loaned out to people as credit.


The risk management industry is sometimes referred to as gambling. The 2008 Neiman-Marcus housing crisis is one of the major disasters that shook the industry. Not adhering to principles, zero ethics and plain illegalities are the reasons why such crises happen. The institutions were saved thanks to the bailout by the American government and the European Union. The bailouts prevented bankruptcy. The catastrophe that hit the finance industry in 2008 led to the creation of alternative and better banking models.


To infuse ethics in the industry, investment banks resolved to restrict commissions and make private investors pay a fee on a yearly basis. To put it in simple terms, this model can be equated to simple subscription services like HBO and Netflix. The two companies mentioned getting their revenues from the monthly charges subscribers pay, unlike traditional media where income is acquired via third parties like advertisers.


Cryptocurrency has been a popular trend in the recent past. Bitcoin is a free currency that no federal government or financial institution can control. Bitcoin is a computer code, not managed by any organization. Bitcoin and other cryptos work like speculative investments that get their value akin to fiat money. Traders agree on the value. The software that creates the cryptocurrencies is open sourced. The good side about this is that practically everyone can create a cryptocurrency. The negative side is that a lot of real and parodic cryptocurrencies have flooded the market. They include Jesuscoin, Trumpcoin, CoinYe, and Dogecoin.


PSI Pay offers a tremendous digital payment service to both companies and individuals across the world. The company is the first Westen Union online wallet agent based in Britain. PSI’s pay transactions are safe and trusted and will go a long way in helping with universal trading.

Digital Wallets Vary by Country- PSI-Pay Closes the Gap

loha Construction has Grown One Building and Renovation at a Time Since 2008

Aloha Construction opened in 2008 serving the Northern Illinois area. Now, its expanding its services to the entire state of Illinois and southern Wisconsin. Southern Illinois will be served through its new Bloomington office. The company’s goal is to provide secure homes to its customers.

In its beginning as a small construction company, Aloha Construction remodeled kitchens and bathrooms. Now it offers and does a wide range of work for its customers.

The President and CEO of Aloha Construction, David A. Farbaky stated the company’s new location will focus on interior restoration, remodeling kitchens, bathrooms, basements, water extraction, natural disaster aid and cleanup. The new location will be near the Lake Zurich area.

Since 2008, Aloha Construction has experienced stable growth. Its president stated the company completed 7000 projects in 2013 and 20,000 in 2017. Gurnee, Lake Zurich, Round Lake Beach and Vernon Hills are just a few of the areas projects have been completed in. The areas of Lake, McHenry, Cook and DuPage counties are served through Aloha Constructions Lake Zurich location. The Bloomington office serves McClean, Peoria, Washington, Tazewell and Champaign counties.

Aloha Constructions headquarters is located in Lake Zurich, Illinois. The company is family owned. Its general contractors are bonded, licensed and insured. Roofing is its specialty, but Aloha Construction offers many other services. Some of the many services offered are cedar siding , door installation, gutter installation, insulation installation, roof cleaning, roof waterproofing, siding installation, siding repair and soffit installation.

The company does residential and commercial construction. Aloha Construction offers new builds, renovations and additions. It has memberships in the National Roofing Contractors Association and the Building Trades Association. The Illinois based construction company has a new website to keep potential customers and customers informed about its services and new locations. The website is

Aloha Construction – An Example of a Successful Company

When it comes to a home, business or any other kind of building, it is the roofing and siding that will determine not only its appearance but whether it will be able to withstand and survive the various types of weather the region generates.


In Illinois, for example, a look at the records shows that there can be thunderstorms and severe weather with most of the state having humid, hot summers and cool to cold climates. Rain averages from 48 inches at the southern tip to 35 inches in the north. This weather varies according to where you are located in the state.


This makes it obvious that the roofing and siding on any building in Illinois and southern Wisconsin must be durable and be able to retain its original colors and finish regardless of the weather.


As a family-owned company, Aloha Construction has become well-known throughout the community because of their personal commitment to excellent products, a 10-year construction warranty and highly trained personnel.


With headquarters at Lake Zurich and a location in Bloomington, Illinois, Aloha Construction Inc. has been a proud server of roofing, siding, gutters, and repairs to the vast areas of Illinois and Southern Wisconsin.


Their customer satisfaction reviews can easily be found on the BBB (Better Business Bureau) site as well as on their personal website.


This company offers the following:


  • Free property inspection and cost estimates


  • A wide variety of first-class siding, roofing and gutter materials


  • 10-year Craftsmanship Warranty


  • Certified Vinyl Siding Employees


  • Highly Trained Roofers


  • Licensed, Insured and Bonded – There are a large number of articles online regarding, in detail, the excellent work Aloha Construction provides in the field of roofing, siding, gutters and repairs.


In business for more than 10 years, its founder, Dave Farbaky, has retained a direct line of communication with the community.


For example:


  • In 2017 they received the Better Business Bureau Torch Award for Marketplace Ethics


  • They support the Central Illinois Flying Aces USHL Hockey Team


  • They sponsor the Kane County Cougars Class A Minor League Baseball Team


  • They sponsor the Lake Zurich High School Football Team


  • They are partners with the Illinois State University for Camp One-Step by Children’s Oncology Services, Inc.


  • They sponsor Bloomington Boys and Girls Club


  • They also gift many Cash Donations and Assistance in Community Projects


Many articles can be found online regarding this excellent company or you can visit their website at or talk to one of their experts at (847) 540-1711.

Graeme Holm: Encouraging People to Manage their Finances

Australians have been relying heavily on their credit cards, and they have been identified as one of the countries that registered a huge instance of debt. Graeme Holm, who is an Australian businessman, wanted to help these people to manage their finances. He established the Infinity Group Australia with the primary objective of assisting people to change their spending habits, and through the years of operation, the company has helped hundreds of people. Graeme Holm has been in the financial business for more than 17 years, and the skills that he acquired over time are now being used to his clients who wanted to see changes in the way they spend their money.



Graeme Holm has been working in the banking industry before establishing his own business. He grew tired of the monotonous tasked that he has been doing for years, so he decided to quit and built his own company instead. He also thought about new ideas that can be introduced to the public, but after he realized that a lot of Australians are having problems with their debt, he ended up establishing a firm that would help them manage their finances and control their expenses to be able to pay their debts. The business that he established, called the Infinity Group Australia, quickly became known around the country because of their promise to change the lives of those who are indebted.



As of today, the company has helped over a hundred individuals who had problems with their debt. Graeme Holm also revealed the steps on how they are helping these people. He said that their clients are required to make their expenses table, indicating where their income goes. After checking out the information shown to them, they will decide which ones would have to stay and which ones should go. For those who have excessive debts, Graeme Holm tends to focus on providing their clients with an expenses table that requires them to buy only the most important needs, like groceries, water, and gasoline. All other things are considered as wants, and he is telling his clients that if they wanted to notice changes instantly, they would have to follow the strict guide given by the company.



When the client agrees to the plan, Infinity Group Australia would call the creditors and offer a timetable when the client could pay all of the debts. Normally, the interests and other penalties are removed. After everything has been set, Infinity Group Australia would start monitoring the client. They would also remind them of not spending too much so that their goal can be achieved. Graeme Holm is so proud of his company, and he even highlighted one of their cases involving a young man who incurred more than $96,000 debt. The Infinity Group Australia helped the young man clear his debt, and he is now living debt-free.



Graeme Holm, through his company, has been advising the public not to fall inside the debt trap due to excessive use of credit cards. He has been offering them an alternative solution to clear their debts, as well as helping them gain more profit and plan for their future. Learn more:


Infinity Group Puts Clients First

A former semi-professional footballer, an injury led Graeme Holm into the financial sector. As successful off the field as he was on, Holm quickly rose through the ranks of a major 4 bank in Australia, spending a decade in various management positions but always staying focused on the home loan aspect of finance. His experiences in banking led to start his own company, Infinity Group.

Focused on mortgages from the borrowers perspective, Infinity Group was founded to address a lack in the financial industry that Holm say: That once they had been approved for their mortgage loan borrowers were largely ignored by the banks. He saw families coming less than 10 years into their 30 year mortgages and taking out a loan on their homes. This led to the borrowers paying far more than they needed to. The banks themselves offered no financial incentive to employees to keep working with borrowers to help them reduce their payments and avoid multiple loans and mortgages on a single property.

Infinity Group works with borrowers to keep them educated about their mortgage deals and laws in an effort to save them money. Holm’s company also offers budgeting assistance to help homeowners pay the bills while also giving them something in their pocket at the end of the month.

Holm instilled a philosophy of “client first, profit second” for Infinity Group that has helped the business grow. Many of their clients come from referrals from other clients. Since the services they offer often cover the span of years Infinity Group gets the opportunity to get to know their clients and gain their trust. Infinity Group also has a social media presence that has been helping them grow their business as well.

Infinity Group’s profits come from fees to their clients. They offer two options for payment: Either an up-front fee based on the value of the properties being dealt with or a deferred payment fee that they will help the client budget into their finances.

Holm has said that “Client first” has caused some losses over the years but that overall the business is doing well and continues to grow. Holm also says that he has made many sacrifices for the business, such as missing the wedding of a friend overseas. He sometimes doubts himself when he hears negative press but he looks at the success rates he’s had with clients and it helps. Learn more:


Bob Honey Who Just Do Stuff Is Penn’s View of Society

The first book from any would-be writer always sets a precedent. First impressions are important, and even if a new writer can be excused a few mistakes, their first outing still carries a lot of weight. Sean Penn is not new to the world of writing. The Oscar-winning actor has written screenplays and articles throughout his illustrious career. This is the first time he has written a book thought, and his first outing is definitely earning him some comments.


Penn’s first book is dubbed, “Bob Honey Who Just Do Stuff“, and in many ways is just a tirade of thought wrapped in a thin fabric of story. The narrative style of Honey is episodic in nature, although there is no real concrete plot. It fires off like a series of memoires, intermixed with poetry, and some minute raving. The book falls under the genre of satire, and Penn certainly has a lot to say through it.


The story follows Bob Honey, an ex-septic tank salesman, ex-husband, and ex-believer in America. He is disgruntled, unhappy, and has trouble connecting with people. He also moonlights as a government assassin. The shady sect of the government he works for using Honey to dispatch old people in order to save the environment. An act he accomplishes by using a mallet.


Honey is obviously a stand in for Penn, lamenting on the state of his country, and venting his many frustration for all to hear. The president of his dystopian version of the U.S. of A. is aptly called Mr. Landlord. An obvious salute to Trump, the book finishes with Honey writing a fiery letter to the president.



Penn does not stop there thought, as many more subjects get focus in his book. An epilogue after the conclusion, written in poem form speaks out against many things. It blames the media for violence, stating that they glorify such things. It also admonishes #MeToo for using playground tactics that infantilize the serious subjects they abdicate. Infantilize is actually the word Penn uses. Honey is also not a fan of social media, which he considers to be marketing.


As with any satire the book contains nuggets of the writer’s truth within its pages, presenting his unique opinions on current events. But they are just opinions, and everybody is entitled to their own set. According to Penn the book is also open to the readers’ interpretation.

Service to life – Dr Saad Saad.

From a Palestinian refugee family in Kuwait, Saad Saad rose from the odds to make the headlines, by becoming a qualified paediatric surgeon. Poor background of Dr Saad Saad propelled him towards achieving his best. Coming from a family of eight children who was focused on life motivated him positively. Cairo University was the campus where he studied before moving to England for an internship. Venturing into medicine was a dream come true to Dr Saad Saad which since in high school he dreamt to be.

On the completion of his internship, Saad Saad went to the United States of America for work. The USA became his residence during his work life.Hard work and determination were still in the mind of Dr.Saad Saad at every point in time, by this, he was able to carry out his researches in his field of work and got reliable information. In return that proved him to be a good paediatrician. Certification by the USA board in pediatric surgery proved his competence.

In the period as a paediatrician, many young lives were saved regardless of their segregative features like race and religion. Service to humanity, according to Saad Saad was mainly steered by his humility and kindness to all. Many surgeries were done by him throughout his working life but what remained outstanding was his inventions of new methods of surgeries. Exclusively, this made him to always linger in the minds of other paediatrician surgeons. Such invention from a refugee to an icon in surgery was unbelievably amazing.

Offering services to the less fortunate were also part of Dr.Saad’s life. In Jerusalem, he delivered free pediatric services for free in the mission to help the poor. Such act was out of volunteering propelled by sympathy and mercy. Life to Dr.Saad was a precious thing and he tried his best to help everyone. Sober mind and being keen made him work correctly in surgeries. Enough sleep made his brain to relax and function properly. In an earlier interview, he claimed that he was able to make perfect incisions. Learn more:

On his private life, Dr. Saad managed to get four kids. Entirely in his storyline, he viewed God to be a game changer and everything happened for a reason. The final place of work to Dr Saad was being a surgeon-in-chief and medical director of children hospital at Hackensack meridian health care in the USA.

Dr. Saad: Pediatrician, Philanthropist

Dr. Saad Saad is a pediatric surgeon, philanthropist, and inventor who is based in the state of New Jersey and specializes in pediatrics he has 21 years of experience. Dr. Saad is affiliated with Monmouth Medical Center Long Branch and Jersey Shore University Medical Center.


Dr. Saad Is a native of Palestine although he was raised in Kuwait and is one of eight children, three of which are surgeons. His very first interest in entering the medical profession started in his high school years in Kuwait in 1965 when he first thought he wanted to follow his older brothers footsteps to be an engineer. He took a construction job working in 100+ degree weather with his brothers. Due to the extremely hot Kuwait Summers, he decided he’d rather work indoors. Specifically as a surgeon. Learn more:


Dr. Saad Saad believes we are all equal in Gods eyes and he strongly believes in treating all the children he works with the same in spite of disabilities, social standing religion, economic class or ethnicity. Dr. Saad also believes research and organization leads to results.


Dr. Saad has a certification in pediatric surgery from the American Board of Surgery and is an AAP fellow as well as an ACS fellow. Dr. Saad has written various medical publications. He had received training in pediatrics from the greatest pediatric surgeon in the United States, Dr. Biemann Othersen in Charleston, SC. Before he retired, Dr. Saad was the surgeon in Chief and medical co-director of K Hovnanian Children’s Hospital at Hackensack Meridian Healthcare system.


Dr. Saad has completed his internship in England and is a graduate of Cairo University School of Medicine and graduated second in his class with honors. In addition to developing various new pediatric procedures, he has completed thousands of surgeries on children from infant to teen and has two patented inventions. Dr. Saad has completed eight missions to Jerusalem to person free surgeries on impoverished children. He also has four children of his own. Two of them are surgeons, one is a nurse and one is a lawyer. Dr. Saad has been married for over 40 years.

Dick Devos – article recap

Dick DeVos, newly tapped by the Trump administration to the leading civilian oversight panel of the Federal Aviation Administration, has been working in his home state of Michigan for decades to enhance business, tourism, education, culture and air travel.


The Amway heir and his wife, U.S. Secretary of Education Betsy, are well known in Grand Rapids, Mich., for their philanthropy and civic work. Their mission to improve their community began with a 1991 project that resulted in changing the Grand Rapids downtown landscape.


Grand Rapids wanted a multi-purpose sports and convention area and was proposing an initial idea of building the complex north of the city.


DeVos, working toward the CEO post in his family’s Amway Corp, began lobbying against the proposal. He was concerned the move would leave downtown as desolate as Detroit after the Pistons and the Lions moved outside the city for the Palace of Auburn Hills and the Pontiac Silverdome.


“That lesson was not lost on us,” he stated in an interview with a local Michigan media outlet.


DeVos formed Grand Action with other business leaders. The group’s successful campaign resulted in several construction projects in downtown Grand Rapids, including the DeVos Place Convention Center, the Van Andel Arena, the DeVos Performance Hall, Michigan State University medical school and the Grand Rapids City Market.


Since then, Dick DeVos has completed several other projects promoting growth in Grand Rapids. He became well versed in the aviation industry years ago when he began a pitch to AirTran Airways to invest more resources in the Grand Rapids airport.


He cold called the airline executive, got a meeting, and eventually convinced the executive to visit Gerald R. Ford International Airport. The deal was soon signed for AirTran to run non-stop flights out of the airport and that forever changed travel in West Michigan.


There was one obstacle months later when the airline was bought by Southwest, a carrier that had no interest in Grand Rapids. DeVos told Southwest they should not just keep the non-stop flights to Orlando and Baltimore, but should expand them.


“They reduced service in other communities but we were not on that list. That was a big deal,” DeVos said. Learn more:


DeVos, with encouragement from his wife, also created the public high school West Michigan Aviation Academy. The school provides targeted education for students interested in flying.


The power couple also founded a school-choice advocacy group called the Great Lakes Education Project. The group, which includes a political action committee, won a battle against the formation of a commission that would have decision-making ability over opening all schools, including charter schools funded by the public. The measure was blocked in the legislature.


Cotemar and Sipsa as Logistical Leaders

If you haven’t heard of Cotemar, they’re a Mexican owned and operated oil company primarily working in the Gulf of Mexico. As a part of Cotemar’s business, modernizing and commissioning new ventures is a part of daily business. A subsidiary called Sipsa handles these operations. Stated in Spanish, the company’s name is an acronym for Servicios de la Industria Petrolera. The company’s translation to English is “Services of the Petroleum Industry.” Read more: Cotemar | LinkedIn

Sipsa is primarily responsible for the modernization and installation of offshore processing centers. The commissioning of the centers is also handled by Sipsa. Prefabricated materials are often a part of the process and are constructed by Sipsa as well.

As safety and accuracy are absolute necessities to properly carry out the work, the staff of Sipsa is trained using the best possible simulators, on and off worksite courses and top notch instructors. The tools used to complete the job are among the best technology available.

To carry out the work activities quickly and concisely, semi-submersible rigs are the workhorses of the operation. They have the speed and agility to handle nearly any task required at a worksite. The rigs also have the ability to quickly move from one site to another, minimizing losses due to expedience or lost productivity.

Derrick cranes are also used to build and move materials. This helps maximize productivity by being able to quickly assemble prefabricated structures. Being a part of the giant Cotemar gives Sipsa the advantage of having a yard close by on shore. This further helps to reduce lost time and productivity by having an intelligently placed logistical center. Learn more about Cotemar:

Among the highest of considerations in all the activities described is safety. As employees and even the equipment are held to rigorous demands and standards, safety trumps all else.  As Cotemar is a company that handles contracts with Pemex, they must be able to maintain the highest of certifications and safety standards.

Sipsa is certified by ISO 9001, who is a commonly recognized maritime regulatory compliance licensing authority. Cotemar and Sipsa are also required to obey and voluntarily comply with local and any other legal obligations imposed.

Cotemar and Sipsa are logistics marvels. Using the smartest of all resources, including treating employees as the most valuable of assets, they’re making a strong name for themselves in the petroleum industry. The ethical and people-centric policies of Cotemar and all its subsidiaries are examples of what companies worldwide should take notice of.