Jed McCaleb and His Successful Endeavors

Jed McCaleb is the co-founder and CTO of Stellar, which is a company that is supporting a global payment setup that relies on a digitized token. He also created Mt. Gox, the first cryptocurrency exchange and continues to work on blockchain projects that he believe will improve the world’s broken financial system. If you take a look at his Jed McCaleb’s Linkedin account, you will see that he is also an advisor to the Machine Intelligence Research Institute, which is a nonprofit that works to confirm that artificial intelligence takes a positive path rather than one that could be harmful to humanity.

Jed McCaleb has been clear about where he stands and has communicated more than once that he believes the future will be ran by a universal payment network. He is also open to the idea of an in between kind of system that allows for people to pay with fiat currencies but is managed by the blockchain. Stellar is starting to gain recognition and is being seriously looked at as taking part in remittance models for certain financial institutions. Jed McCaleb has expressed that he is sure that Stellar could also process stocks and shares.

Jed McCaleb figures that the next decade will bring about a change that finds all equity being tokenized. Stellar, itself, is looking good and has been making plenty of progress as its crypto coin, the Lumen, has been increasing in price steadily for some time. McCaleb has been working in the crypto industry for a long time and predicted the direction that the blockchain would be taking the world some time back. He is sure that it will revolutionize the world’s financial system as well as stock markets. Many people are in agreement with him and are also working on projects that might support the mission of Stellar and Jed McCaleb.

Jed McCaleb knows that his work will help to improve humanity and will allow anyone, including the economically challenged, to have access to a bank account or the ability to transfer funds all over the world at a rate that they can afford. Take a look at Jed McCaleb on LinkedIn.

Know more about Stellar by visiting their website:

HCR Wealth Advisors Offers Invaluable Insight on Retirement Plans

All too often, emphasis on retirement is placed on the financial planning of the individual. Moreover, it has become vital for people to address the potential of retirement impacting their health and wellbeing. For starters, people can be affected psychologically by retirement. On the other hand, others can be affected physically, and in such moments, they will need physical and emotional adjustments. Moreover, serious attention should be given to these non-financial aspects for the retirees to be on a more secure path of retirement. At HCR Wealth Advisors, the financial professionals understand that retirees can be adversely affected by the retirement process. Therefore, the company has suggested some vital concepts to help retirees in their retirement processes.

Addressing the Transitioning Process

The new retirement policy seeks to explore the transition in retirement from an employees’ job with a regular schedule to the challenge of a loss of identity, disengagement from the structure of work, and day to day socialization in non-work environments. Moreover, it examines significant adjustments to personal and family life, healthcare, and aging as well as the particular choice of leisure. Over and above, this retirement plan at HCR Wealth Advisors highlights personal development alongside self-actualization.

Retirement May Be Voluntary

According to glassdoor, most people can work as long as they want before deciding to step down. Therefore, retirement can be a personal choice. Also, it can be excitingly anticipated. Even so, if it is not well prepared for, an individual can suffer different psychological issues including depression, fatigue, low self-esteem, and boredom during retirement. Others can experience anxiety and panic attacks.

Having a Plan B

Over and above, people spend more than ten years making informed business choices regarding their money and its use. Planning for the new retirement, both the financial and non-financial aspects, is one of the most beneficial aspects that HCR Wealth Advisors can offer to its clients at the moment.

What Are the Elements of Retirement?

Change and Transition

Of course, retirement means change and change is a gradual transition process that occurs psychologically. While for some people it is an exciting process, for others it is a frustrating one that requires psychological support. Therefore, HCR Wealth Advisors can help guide you with relevant transitioning tools.

Career and Benefits

Retirement does not have to be synonymous with quitting work. On the other hand, it is an opportunity for the retirees to plan on various businesses and projects that encompass profit generation. On the other hand, some people do not intend to work after retirement. Therefore, HCR Wealth Advisors helps such retirees to plan for their benefits by investing in a revenue-generating business.

More on HCR Wealth Advisors

HCR Wealth Advisors prides itself on being an experienced financial advisory provider for clients. Established in 1988, the firm handles wealth management and is a registered investment advisory firm.

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Livin’ the ID Life!

     ID Life is everything wrapped into one. I describe it as an overall lifestyle change. I can’t just say it’s a nutrition program. However, I also cannot just say “Hey! It’s a great way to make money!” With this company, you have say both.

ID Life sells a full-blown nutrition and health program personalized JUST FOR YOU. The supplements, the protein shakes, the energy bars. It’s all specifically catered to your body chemistry makeup and your body needs. How do they know what to give you, you ask? Simple. On, there is a HIPAA compliant questionnaire that asks you questions about EVERYTHING pertaining to your health. Your lifestyle, your eating habits, any medical issues, etc. They created this questionnaire to ensure that you are getting the best regimen to make you as physically healthy as possible. They also created the questionnaire to make sure that whatever you ingest from ID Life is totally safe for you. Some people have allergic reactions, or they cannot have a certain ingredient in one of the products. It is imperative for ID Life to know so they can be as safe as possible putting together your personalized package.

When it comes to the products, I’m very impressed. In addition to nutrition, the products also cater to your sleep pattern (or lack thereof), your energy levels. There is even a basic, solid skin care regimen consisting of a cleanser, serum, a moisturizer for day time, and a moisturizer for night. Other products include sleep strips and energy bars.

Another very positive trait of ID Life is that it in addition to contributing to your physical health, the company can also make you an entrepreneur. You can actually sell ID Life to people and make a profit. To take it a step further, you can even recruit people, and have them working for you because when they make a sale. You get some of that profit as well.

If you want to lose weight, improve your health, and work for yourself, ID Life is worth anyone researching and joining.

Learn more at

Hussain Sajwani: A Leader in Global Property Development

Hussain Sajwani has become quite the influential leader throughout both the global and Middle Eastern business world. the founder and Chairman of DAMAC properties have made a lucrative career developing projects throughout the Middle East.

His projects are often visionary and transformative, as he leads his company and an entire region into the 21st century, ensuring a powerful position in the global market.

Sajwani, the DAMAC owner, a graduate of the University of Washington always had an interest in property management and business. While attending college in the United States, the savvy young entrepreneur began selling time-share apartments.

His business acumen was apparent when just a few short years after graduation, Sajwani had earned enough capital to begin his catering business in 1982. The success of his catering business was phenomenal and grew to be a large market leader providing over 150,000 meals daily to consumers in the Middle East and Africa.

But Sajwani’s entrepreneurial spirit didn’t end there. During his time managing his catering business a growing interest in property management later propelled Sajwani to again look for new business opportunities.

Those opportunities would arise in the form of the property expansion boom in Dubai during the early 2000’s. In 2002 he established DAMAC Properties which has quickly become one of the largest property development companies in the Middle East.

According to, the companies reach is vast in the Middle Eastern region, from properties located in Dubai and Abu Dhabi to Riyadh, Beirut, and even London.

Described as astute and visionary, Hussain Sajwani provides a tremendous skill-set and phenomenal expertise in business and property development. He attributes these skills to having worked in his family business when he was young.

While being a successful property developer isn’t enough, Sajwani also loves technology and is fascinated with the continuously evolving world of digital marketing. Citing his love for learning new skills and new things, Sajwani insists that it is important to set new challenges in order to “evolve and bring a new dimension to my businesses.”

Hussain Sajwani is definitely a global business leader who believes in progress and the need to innovate new technologies to make people’s lives better. His commitment to that cause has only grown with an increasing amount of projects in development for the future.

Look at this:

Heather Russell is Hired as the New TransUnion Chief Legal Officer

With more than 30 years of experience as being the legal executive, Russell has been able to accomplish a lot. Gaining the knowledge needed to be able to offer financial services like data privacy, mergers and acquisitions and the services of consumer financial services. In TransUnion, she is the one that has to deal with the legal matters, corporate governance, and relations of the government, with all the information she receives she will report to the president of TransUnion and the CEO to Jim Peck.

According to Peck, there are so many things that Heather Russell brings the company the skills that she has and expertise that will play an essential role in TransUnion. Before she joined TransUnion she worked at Buckley Sandler that’s a law firm where she offered her services as the financial institutions regulation, supervising and practices of fintech in the company. Before Heather Russell joined Buckley at the Fifth Third Bank, she was the executive vice president at the firm. In Mellon a bank in New York Heather Russell was the regulatory affair and the head of the public policy. At Skadden, she spent eight years while focusing in the financial services. In Heather Russell university years she got her JD at American University Washington college, and that did not end there because she continued at the College of William & Mary where she got her BA. When Russell joins TransUnion, she will replace John Blenke because he has already announced that he had plans of retiring.

At TransUnion, the primary goal that they have is that they will be able to look for ways that they can use so that to find information that can help the people while making the decision. In the trends and insights in the data point, they will assist in the uncovering of the unique stories by making good use of the historical information’s.

Heather’s Educational Background:

Hussain Sajwani, The Billionaire Real Estate Developer Who Is Trump’s Dubai’s Business Partner

Hussain Sajwani’s career background

Hussain Sajwani was born around 1952. The Damac owner got a government scholarship to study in the U.S where he studied Industrial Engineering and Economics at the University of Washington and obtained a bachelor’s degree. In 1981, the Damac owner began his career in Abu Dhabi Industries in the finance department. After two years, he commenced a catering business whose customers included the U.S military. This catering Venture still operates today as Global Logistics Services.

In 2002, Hussain founded Damac Properties which has now become among the largest property developers in the Middle East. Since being established, the business has developed about 19,000 apartments, and over 44,000 units are in various construction stages. In 2015, Damac Properties was publicly listed to have its shares trade on the Dubai Financial Market. It has developed luxury apartments whose interiors are done by Versace and Fendi, Bugatti Luxury villas, and in partnership with paramount pictures, it has developed Paramount Hotels and Resorts. Hussain has received several awards including Arabian Business Real Estate Award.

The Damac owner’s Philanthropic efforts

In 2013, the Damac owner, contributed AED 2 million to a campaign aimed at clothing a million children across the world. Sheikh Mohammed bin Rashid Al Maktoum launched the Ramadan Initiative according to Forbes. Damac Properties showed its support of the government’s efforts to raise living standards all over the world. With its donation, Damac Properties will offer Warmth and clothing to over 50,000 deprived children. The Hussain Sajwani-DAMAC Foundation, in 2017, sponsored One Million Arab Coders Initiative of Dubai Future Foundation, also launched by His Highness to give free training on software development to a million Arab youths.

Hussain Sajwani and Donald Trump

When celebrating his win in December 2016 as President-elect at his Mar-a-Lago Resort, Donald Trump heaped praise on the Damac owner who is his Dubai business partner. Damac Properties built The Trump International Course Dubai and the second course is under constructions at Damac’s Akoya Oxygen scheme. According to Hussain Sajwani, Trump election enhances his organization’s brand profile and being his partner afforded them a benefit.

Sajwani’s Official Contact Details:

Luiz Carlos Takes Over As The chairman Of The 24th Largest Bank In The Planet

Chinese banks dominate the world banking industry. In fact, a majority of the top ten banks in the world are Chinese banks led by the Industrial and commercial bank of China. However, the major Street banks in the world have started gaining ground.

Morgan bank, Wells Fargo now occupies position three and four consecutively. Citibank and Bank of America follow suit. The Brazilian Banco Itau has represented the Latin America where it was ranked in the thirteenth position last year. In the same year, Banco Bradesco, the second largest bank in Brazil was ranked in the 24th position. For many years, Bradesco bank was ranked as the largest bank in Brazil before it was overtaken by Banco Itau in 2009.

Banco Bradesco
The bank was established in the early 1950s by Amador Aguiar. Initially, Bradesco bank focused on offering banking services to civil servants, farmers, and the business community. Currently, Bradesco bank has diversified its range of products to include insurance and modern banking services such as mobile banking.

For the last nine, the company has been under the leadership of Luiz Carlos Trabuco Cappi who served as the president. Luiz joined the banking industry in 1969 and his experience as a leader and a banker has been instrumental in putting Bradesco bank to the limelight on Wall Street last year.

Read more: Bradesco anuncia novo presidente: Octavio de Lazari Junior vai substituir Luiz Carlos Trabuco Cappi

Currently, Bradesco bank operates two subsidiaries: banking and insurance and pensions and capitalization bonds. The two subsidiaries offer clients with a wide range of products that include life, health, automobile, asset and accident insurance covers.

According to, Bradesco bank boasts of having great and visionary leadership that has helped to propel the institution to its current status. Amador Aguiar was the founder of Bradesco and he played a prominent role in the expansion of the bank in the early years. Lazaro Brandao, the longest-serving employee, and the former chairman also helped in changing Bradesco bank from a small city bank to a large corporation.

However, we can no talk about Bradesco’s success without mentioning Luiz Carlos Trabuco Cappi. When he came on board, Luiz introduced a unique and effective management style that enhanced efficiency and increased the performance of the institution.

Unlike many other individuals in the banking industry, Luiz Carlos Trabuco Cappi didn’t go to the university to become a banker. He studied psychology and he needed a job after graduating from the university. He was given an opportunity to intern at Bradesco despite having no background in finance and accounting. His ability to manage groups of people and inborn business sense gave Luiz all the ingredients he needed to thrive in the banking industry.

Learn more about Luiz Carlos Trabuco:

Waiakea Water: Why You Should Think About Your Water’s pH Level

PH plays an interesting role in the human body. PH is a measure of the basicity or acidity. The human body — at ideal health — should have a pH balance of around 7.4 making it very neutral. There are fluctuations, especially with modern diets, but ideally, you should be looking for a neutral pH balance. Companies have been selling pH-related products for a long time. Many medicines make use of pH (a good example would be antacids like Tums). Lately, however, one water company has been bringing the pH battle to its doorstep.

Waiakea water, a company based in Hawaii, is selling water that is setting a trend. Waiakea water has a pH of 8.8 making it very alkaline. Why is this important? Well, most water companies sell water that has a pH of anywhere for 4 – 7. Now, while this isn’t bad (it is water after all), it isn’t good either. Waiakea’s water’s pH balance has a range of health benefits that other waters simply do not have.

Having such a high pH will help with things such as acid reflux. It will also bind to hydrogen and reduce disease prevalence. Of course, it does more than this. Waiakea Hawaii volcanic water also contains silica, a compound with a slew of research studies suggesting it decreases the risk of age-related symptoms such as Alzheimer’s.

It all started when CEO Ryan Emmons realized he was onto something. The California-Hawaii hybrid had family land next to the Mauna Loa mountains in Hawaii. Mauna Loa — which literally means Long Mountain — is the largest mountain top to bottom in the world. It also has some interesting water around it. The streams that run through Mauna Loa’s valleys are mineral-rich alkaline-heavy waters that contain bonus nutrients such as silica. Ryan — who’s passion was charity — set out to bring this water to the world.

Of course, because of their CEO, Waiakea is the most charitable water company on the planet. For every 1 liter of Waiakea sold, 650 liters of fresh water are donated to those in need in communities in Africa. This is done through Pump Aid, a charity that has already supplied over 500 million liters of water to areas with low or no water supplies in Africa.

This emphasis on health and charity has made Waiakea one of the biggest water companies on the planet. Boasting a valuation of over $10 million already, Waiakea is setting course to become a major player in the bottled water industry. And why not? After all, they claim to be the most charitable and healthy waters on the planet.

HCR Wealth Advisors Shares Money Tips for Parents of Young Children

Children are much smarter about money than adults can fully comprehend. Money management can be introduced to them at their intellectual level, and children can usually comprehend the meaning and significance of these lessons. According to HCR Wealth Advisors, a registered investment advisory firm, children should be introduced to the basic fundamentals of money management through financial training that specifically matches their young lives and daily activities.


Children should earn an allowance for household chores. It is the easiest way to get them to have an appreciation for money. When a child is given chores, such as emptying the dishwasher or making sure the garbage is left for weekly pickup at the driveway, they’re earning their way. They come away with a better understanding of how money is earned.


As mentioned in an article published at Glassdoor, once a child has earned their own money, suddenly, they become more protective of it. That is the perfect time to help them set up a budget. A child can appreciate the same income and expense factors that you understand with a job and a mortgage. Many of HCR Wealth Advisors clients know the value of money and were taught those same values. A budget is the core foundation of knowing the value of money. HCR Wealth Advisors believes that clients who have that basic fundamental understanding are more likely to benefit from being financially counseled.


A perfect opportunity to get your child to save is when they want to buy something. Instead of handing the money out, help them establish a savings pattern to purchase the item themselves. Every child should have a savings account, regardless of their age. Help them understand how their money can grow by calculating the savings for an established time period, which is a first step in investing.

HCR Wealth Advisors (@HcrWealth) wants parents to understand how important their role is in the financial education of children. HCR Wealth believes it helps long-term. They become adults with a stronger foundation and understanding about money management for investing in their future.

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Meet Arabian’s Top Billionaire; Hussain Sajwani

Real estate business has been a booming business in Dubai considering the number of tourist and the people willing to settle in the one of the world’s luxurious city. DAMAC properties, under the leadership of Hussain Sajwani, has been in the forefront to make it happen for over a decade now. Hussein Sajwani, who is now in his 60s, was born in Dubai. After high school education, he joined the University of Washington where he earned a bachelor’s degree in Industrial Engineering and Economic. In 1981, after his studies, he was employed by Abu Dhabi Gas Industries. A year later he thought of trying something new, catering industry. He established Global Logistics Services which has grown to become a leading catering venture across Africa and the Middle East. He was so much into Property development. In the 90s Dubai experienced an influx of tourist and Hussain exploited the opportunity by investing in hotels that would accommodate the tourist.

Out of being ambitious, he decided to venture into property development when he established DAMAC properties. He is currently DAMAC’s CEO. Over the last ten years, the corporation has grown to become the largest property development company across the Middle East and some parts of Europe. With a workforce of over 2000 people, DAMAC properties have delivered over 20,000 homes. To attain elegance and quality for its clients, DAMAC is working together with luxury and fashion companies like Versace, Fedi Casa, Just Cavalli and Bugatti in doing interior designs for luxurious homes, hotels, resorts, and villas.

Hussain Sajwani and Trump are business friends and together have worked on many projects for example in the establishment of two golf course and villas in Dubai. However, recently Trump decline a project proposal from Hussein stating that he is not allowed to involve in private business by the state. More details can be read here

Apart from being a prosperous businessman, Hussain Sajwani is a philanthropist. He has worked together with the UAE government and the Red Crescent in clothing the needy children. According to Forbes; through DAMAC properties, Hussain Sajwani has featured among top Arab billionaire.