Jed McCaleb is the Chief Technology Officer and co-founder of Stellar Development; he leads in the technical development, which focuses on the development of cryptocurrency network. Jed McCaleb was talking at the Fintech Week. He was talking about Stellar Lumen, about its past, present, and future.

He went on ahead to talk about the transactions in and about what they offer regarding services. He talks about how they try to get the banks on board, but none of them is in production. He stated that the banks have a lot to lose and they can’t possibly do anything until they can see a lot the money flowing into the ecosystem first.

However, the smaller financial institutions like money transfer operators, who focus on payments, are more like to adapt to this method of sending money.

Jed McCaleb, who has been a crypto developer, has predicted that the technology will change a lot of things. It will improve the global payments, stock markets, and fundraising shortly.

He states that the current financial system is not tapping the market. He talks of the future and how the universal payment network will operate. McCaleb speaks of the use of public ledgers and of how (people can see it but can’t change it.)

He went on ahead to talk about initial coin offerings which have raised an equivalent of approximately 9 billion euros in about four years. McCaleb says the influx of funds has led to the increase of fraudsters fundraising.

He says the company cannot stop anyone from issuing a token, but they could not be involved. He again said to the that their responsibility is to ensure that they deal with notable projects.

The issues of ICO has attracted attention from all over the world. The supporters argue that it represents a new way of fundraising. He says that people need to be careful when investing in initial coin offerings as there are many scams out there.

Jed McCaleb said that Stellar is working to solve the issues stated above. The network claims transaction settlement. It allows the quick exchange of exchange of currencies. IBM uses Stellar’s system in developing cross-border payments.

Finally, the Stellar’s XLM coins have soared into the largest cryptocurrencies by market capitalization. View Jed McCaleb’s work history here.

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HCR Wealth Advisors Offers Customized Retirement Planning

Individuals these days are worried about planning for their retirement. It seems that no matter how much they try to comprehend the market situation, they are not able to accurately judge the best way to plan their retirement. Many elderly people today are struggling with their finances and it is mostly due to retirement lasting longer than they anticipated due to longer life expectancies. There are thousands of seniors who are totally or partially dependent on their son or daughter for financial help to meet their medical and living expenses. It is mostly because the funds from their retirement planning have exhausted, and they are not able to make ends meet with ease as they earlier thought. The amount they thought would be enough for their retirement is actually not enough and it is also because of the many market changes that have taken place in the last few years. The financial markets around the world are volatile and there are many parameters that need to be taken into consideration when planning retirement.

HCR Wealth Advisors is a registered investment advisory firm that you can trust when it comes to financial and retirement planning. Hundreds of individuals as well as small to midsized companies trust HCR Wealth Advisors for financial planning. The firm has nearly three decades of experience in the investment advisory market and ensures that the clients are able to get the results they are looking for through their investments. There are numerous investment options in the market that you might not be able to sort through but the financial professionals at HCR Wealth Advisors would be able to analyze and help you find the best investment options for you to fit your financial goals.

Retirement planning is a complex and critical process and HCR Wealth Advisors can help you through it in a very analytical and personalized manner. As different people have different financial expectations in the future, HCR Wealth Advisors works closely with clients to make their dreams for retirement come true. The firm offers customized investment and retirement plans that are in accordance with the financial needs of their clients. If you’re interested, check out this Jobs at HCR Wealth.

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HCR Wealth Advisors is not affiliated with this website.

HCR Wealth Advisors Provides Basic Investing Advice

One of the most important parts of reaching a financial goal is investing. Most people want to retire at some point during their lives. To retire, it is critical to have a solid investment plan. Some people wrongly assume that they can easily save enough money to retire. However, without compound interest working in their favor, it will be difficult for anyone to retire.

HCR Wealth Advisors is a company that has grown in recent years. The company offers numerous products and services for customers to utilize. With the growth of the business, the leaders of HCR Wealth Advisors want to provide financial education to the local community. This education focuses on basic financial principles such as:


Many people struggle with high levels of debt. Debt is one of the most challenging aspects of financial planning. Each year, consumer debt continues to increase. With interest rates increasing, the debt problem will only get worse in the coming years.

According to, HCR Wealth Advisors teaches people to avoid consumer debt as much as possible. Although having a credit card is great for building credit, it should be paid off each month. Some people think that a credit card is free money that they can use for whatever purposes they want. Spending frivolously is the wrong approach for anyone to take.


When working with some clients, the professionals at HCR Wealth Advisors typically recommend that the client increase their income as much as possible. Some people do not make enough income to achieve any of their financial goals. By working a side job, people can increase their income and pay down debt.

Hundreds of clients work with HCR Wealth Advisors each year. Anyone who wants to improve their financial position should consider working with an experienced professional from HCR Wealth Advisors.

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Hussain Sajwani Contributions to Damac Properties Group

Hussain Sajwani is currently a Damac owner since he is the founder and the chairman of Damac Properties. Damac is a UAE organization dealing with glitzy property developments, attracting marketing stunts and which is currently glamorous golf course with Donald Trump. Damac began in 1976 and is situated in Dubai in the United Arab Emirates. It has industries like Engineering, Construction, and Architecture Real Estate. It deals with residential, leisure and commercial properties developments.

Hussain Sajwani’s early life with his father in the family’s Deira-based shop is of great concern today. He used to share with his father the lessons he learned in school. His today’s success is attributed from the formative years when his father used to change the price of the items. This Damac owner rise dates from food services business to the U.S. military and construction giant Bechtel. He is recognized because of his excellent food service during the United States Army in Desert Storm operation. Hussain Sajwani had great work for the Americans globally including in Somalia, Bosnia, as well as in Gulf and for known American companies such as Bechtel.

The food business is still one of the Damac Group operations which serve not only as the reminder of Hussain Sajwani’s as a Damac owner, first business knowhow but also his ability to connect to friends from all over the world. As a Damac owner, Sajwani has made a collaboration with Donald Trump with the aim of establishing two Trump-branched golf courses in developments that are taking place in Dubai.

As the beginner of Damac properties, Sajwani is a Damac owner who is helping orchestrate which is one of the largest real estate booms in the world. The progress that Damac is making is due to the Sajwani’s first business expertise in the industry of food. His ability to establish links with important people has made Damac to reach international standards. Hussain Sajwani is applying his first skills to help Damac take advantage of the reconstruction in UAE property prices as well as taking the first public giving of shares. This is in connection with the London Stock Exchange which is among the venues of IPO. (Instagram)

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The Renowned Businessman in Brazil’s Mall Sector- Roberto Santiago

Roberto Santiago is an influential businessman from Paraiba in Brazil who excels in the mall business. He is the founder of one of the largest mall in Brazil that he opened in 1989. The mall which is known as Manaira Shopping Mall is located in Paraiba along the north coast of Joao Pessoa. Roberto Santiago went to Pio X Marist College before enrolling at the University Center of Joao Pessoa for a degree in Business Administration. His first business was a cartonnage company which involved the manufacturing of cardboard in making cartons for his clients.


About the Manaira Shopping Mall Amenities


Roberto Santiago managed to save from his cartonnage business to acquire a piece of land at the region of Paraiba. Moreover, he started the construction of the Manaira Shopping Mall in 1987 which was completed in 1989. Over the years the mall has grown popular and has undergone several major expansion phases to fit the international standards. The mall has 11 movie theatres which are equipped with the latest technology systems besides having a VIP room. It also has a gaming area, food court with several restaurants, a college, and banks.


Further, one of its significant features is the concert room which is known as the Domus Hall that was established in 2009. The hall is located on the rooftop of the building, and it occupies two floors. It is popularly known in the region as it has hosted a number of events by celebrity artists from both Brazil and the international community. The second floor is built with private cabins and has changing rooms and music to entertain guests. Again, its capacity fits 10,000 people when standing and 4,000 people when seated. Additionally, the hall does not only host events but can also be hired for events such as weddings or private events among others.


Roberto Santiago’s plan for the mall was to offer facilities that satisfy the whole family where they comprise of adult and children’s activities. The game sections and open restaurants are part of the recreational places where the families can spend their leisure time. He also incorporated space designated for a diverse range of activities where even corporates can exhibit their businesses or participate in various projects. Manaira shopping mall has over 300 stores and a car parking space of over 3000 vehicles while the floor space covers 75,000 square meters.


Roberto Santiago’s other Business Engagements


Robert Santiago also owns another shopping mall that was launched in November 2014. The mall which is known as the Mangabeira Shopping Mall is currently the biggest in the region of Joao Pessoa. It further has a modern architecture with an area space of 53,000 square meters, 212 shops, and a parking lot capacity of over 3000 cars. Besides, just like Manaira Shopping Mall the Mangabeira Mall also harbors leisure amenities for adults and children. In addition, Roberto Santiago wears many hats whereby apart from being a successful businessman he is a sportsman as well and has even won some trophies in various championships.


Adam Milstein Uses His Family Foundation to Strengthen Ties between Israeli and America

Most Jewish organizations in America are struggling to remain relevant by striving to survive on a tight budget. As for the Israeli-American Council (IAC), this is not the case. The group hosted its annual event at the Walter E. Washington Centre. The venue is well known to most pro-Israelis and Jews. IAC caters for Israeli and Jewish immigrants and Milstein is working hand in hand with all of his networks in order to strengthen the relationship between Israelis and Americans.


Milstein is a prominent real estate entrepreneur. He is also a managing partner and stakeholder at Hager Pacific Properties. Born in 1952, Adam Milstein hails from Israel. He grew up in KiryatMotzkin. The dedicated philanthropist was an agent at the Yom Kippur War in 1973. He played an instrumental role in the Israeli Defense Force. In 1978, he left the force to venture into a different career path. Milstein joined Technion and majored in science and economics. He earned his degree in the same year, 1978.


In 1974, Milstein married his wife Gila Elgrably, after which, they were blessed with two daughters. He decided to relocate his family to America in 1981. In 1983, Adam Milstein joined the University of Southern Carolina for a master’s degree in business administration. Shortly after, he delved into the real estate business.


Adam Milstein’s career revolves around real estate businesses. He is the head cheerleader of Hager Pacific Properties, a company that owns more than 100 properties in America. The company also facilitates the acquisition, rehabilitation, repositioning and retail of properties. With Adam Milstein as the managing partner, he oversees management, accounting, financing and disposition.


Adam Milstein is not just a business professional. He is a philanthropist and contributes to charitable organizations. Together With Gila, Adam Milstein established a family charity organization called Adam and Gila Family Foundation (MFF). Since 2002, this foundation has assisted youthful Jews to uphold their culture by connecting them with their roots. In addition, the foundation fosters the understanding of their heritage. It also promotes businesses aimed at strengthening the relationship between the U.S. and Israeli.

Sahm Adrangi Reports

Kerrisdale Capital recently put out a report in which it harshly criticized the Eastman Kodak Company. The criticism concerns Kodak’s, a photograph products company, announcement that it would soon be launching its own blockchain-enabled image licensing platform. Basically the Kerrisdale report says this is no more than a scam since it couldn’t possibly work for Kodak that way it claims it will. On February 6, Kerrisdale hosted a conference call open to all to discuss their report. In addition it has posted the results of its report on its website, other related investment sites, and Twitter. Read more at about Sahm Adrangi.

Kerrisdale is an investment firm managed by its founder and CEO Sahm Adrangi. His work in leading the report about Kodak’s fraudulent claims is not the first time he has done something like this. Sahm Adrangi first made his name in 2010 and 2011 by exposing fraud in Chinese companies. He has also led the writing of investigative reports on Nordic, Sage Therapeutics, Zafgen, Unlife, and Pulse Biosciences. In addition, he has openly questioned the practices and ethics of First Majestic Silver, and Northern Dynasty Minerals. In 2014, Sahm Adrangi exposed the faults of Global star’s propeosed Terrestial Low Power Service through a live presentation and webcast. Read more about Sahm Adrangi at Benzinga.

Sahm Adrangi entered adult life by earning a B.A in Arts in Economics from Yale University. first began his career in finance at Deutsche Bank, where he helped in leveraging finance. Sahm Adrangi then went on to garner experience in bankruptcy restructuring with Chanin Capital Partners. He late worked several years with the debt fund, Longacre Management. He founded Kerrisdale in 2009. He has proven an incredibly successful leader, starting it for under $1 million and leading to its current standing of managing $150 million. He is a much in demand speaker at finance conferences. Sahm Adrangi has been featured for his expertise in the Wall Street Journal, the New York Times, the Washington Post, and BusinessWeek.


Looking Up: Louis Chenevert’s Golden Legacy and Vision for the Future

Louis Chenevert has led quite a storied professional life. The Canadian businessman is a previous CEO of United Technologies Corporation (UTC), an American conglomerate focused on the research, development, and manufacture of high-technology products. His election as UTC chairman came in 2006, a position which he held up until his stepping down in December of the year 2014. After 14 years as the Production General manager at General Motors, he joined up with Pratt & Whitney Canada in 1993, where he rose to the presidency after six years of work. In September of 2015, Goldman Sachs took him on as an Exclusive Advisor in their Merchant Marketing Division, helping them target opportunities in the aerospace and industrial sectors.

During his tenure at UTC, Chenevert cultivated a legacy of exacting standards that CEOs coming after him have difficulty matching. Among his accomplishments was the acquisition of Goodrich, a testament to his business acumen and superlative determination in light of the fact that Chenevert spent over a year working out the $18.4 billion deal.

Were you to ask Chenevert himself, he would rank his GTF project first among his long list of accomplishments. He foresaw the development of advanced materials that would increase the burning temperature of engines, thus helping place Pratt & Whitney firmly on the map within the narrow-engine jet market segment. Notably, his policy of investing in high-quality technology remains at the heart of UTC’s growth up until today, considerably benefitting the U.S. job market and economy. Read more about Louis Chenevert at Wings Journal.

Planning for Tomorrow, Today

UTC’s current CEO Gregory Hayes echoes Chenevert’s sentiments with regard to the importance of employee education and investment in technological innovation as driving forces of future success. Rather than focusing exclusively on short-term successes to please investors, ideal EO must have the future in mind as they make decisions today. Educated workforces not only ensure the future of a company, they contribute more quality ideas today than they would otherwise.

While at UTC Louis Chenevert pioneered the organization’s green design policy, which was adopted across all their facilities across the globe and which had the effect of significantly reducing the environmental footprint of their products.

On the strong foundation laid down by Chenevert’s stewardship, UTC maintains its position as a market leader in the assembly of commercial and military jet engines, in addition to dominating the refrigeration, heating, and air conditioning industries. Read more at

Although investments in technology are vital for company health, it’s paramount that organizations recognize the fact that ideas come from employees, and it is with this in mind that UTS launched its Employee Scholar Program, with over 39,000 employees attaining degrees with the help of these scholarships since 1996. What this program aims to do is inculcate a culture of continuous learning and growth within its body of employees. This is in line with Chenevert’s belief that only companies whose workers are kept constantly in touch with the latest developments in technology and techniques will be in a position to either take advantage of or spearhead development. It speaks well of Chenevert’s policy that it has stood the test of time, and it doesn’t look as though it will be changing anytime soon.


How Waiakea Water is Changing an Entire Industry

It would be hard for anyone to remember a bottled water brand that dd so much for the community before Waiakea Water burst on to the scene only a few years ago. As soon as the company started making profits, they were already donating portions of their revenue to help needy Hawaiians and local charitable organizations. The company tapped into a nature resource of the best tasting water on the planet, so they feel obligated to give back, but no one could have predicted how much. Visit to know more.

It is one thing to donate piles of cash to people around the world who need help, it is another to help them to help themselves. By partnering with PumpAid, Waiakea Water has been able to provide poor nations the ability to help themselves access one of the most basic human resources. Volunteers from Waiakea Water arrive at these communities ready to work. They team up with locals who acquire the tools and equipment, then show them how to build a well and install the elephant pump. Once installed, the team educates elders so they can pass on the information to future generations.

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While efforts are being made globally to help those who need access to clean water, Waiakea Water is also working tirelessly on another front with TimePlast. The two have partnered to develop a plastic addictive that has the ability to shrink the lifespan of a plastic bottle from 150 years all the way down to only 15 years. This means that instead of these plastic bottles filling up the landfills around the world at an alarming rate, these bottles can be completely decomposed by next decade.

CEO of Waiakea Water, Ryan Emmons, says that the need for such an additive is long overdue. Although his company has been using plastic for their bottles from recycled material, he felt this was not enough. Instead of leaving this generations trash for generations well in the future, the new plastic addictive will eliminate the trash and help to clear the way for others in this industry to follow suit and help with this global issue. Read more articles on Affiliate Dork.

The Successful Story of Eli Gershkovitch in the Brewery Business

Beer is a common alcoholic drink and the most popular in Canada. Canada has twenty types of Canadian craft beers, and such include the Red Racer Pale Ale brewed by the Central City Brewery based in Surrey, British Columbia. Second is the Glutenberg Belgian Double, made with barley or at times wheat and is brewed by the Brasseurs Sans Gluten in Montreal, Quebec. Another type is Weissbier, made out of wheat and brewed by Denison’s Brewing Company in Ontario. The Nutcracker Porter, brewed by the Black Oak Brewery located in Etobicoke in Ontario and several others. Follow Eli Gershkovitch on


Other than these breweries, another famous brewery is the Steamworks Brewery. The company is led by Eli Gershkovitch, founder, and currently CEO of the company. He is also a lawyer by profession. He has involved his firm in competitions from different parts of the world. Eli Gershkovitch founded Steamworks while he was still in his neighborhood Gastown, Vancouver. He had begun Steamworks as a pub and planned for the future development when demand would be high.



As a pub, Eli had opened it up with 184 seats. Eli Gershkovitch saw an opportunity when he saw an old steam pipe passing through the building. He and his engineers fixed the pipe, and the pub later began expanding to the point of becoming a company. Earlier, Eli got the idea of coming up with a brewery as he was traveling to the French Alps when he had his first ever taste of Belgian beer. This event came after he had had the idea of liquor as he was working on a case from clients who needed liquor licenses.


Eli Gershkovitch has had the chance to see his company grow from just 184 seats to a new total of 754 seats. Steamworks has enabled Eli Gershkovitch open up other restaurants in Vancouver. Although a CEO, Eli Gershkovitch does not behave like one and even dresses casually as compared to a typical CEO. Eli explains that the habits that make him productive are being an avid reader and researcher. He tells that if he had to start his business again, he would take risks at an earlier stage. Read more at Westender about Eli Gershkovitch..