Jed McCaleb and his Solution for the Financial Burden of the Banking Industry

Blockchain has the power to change the world, so why exactly are most blockchain experts using this technology to conduct simple trades? Well, not everyone is. Jed McCaleb and his company Stellar are working in countries all over the world to bring people a better way of life. Stellar is bringing financial options to underdeveloped countries.

Jed McCaleb was experienced in decentralized technology before most others. He worked with peer-to-peer file sharing, using a non-centralized method to deliver files to users.

McCaleb also created Mt. Gox, the world’s first international bitcoin exchange network.

During his time experimenting with blockchain, McCaleb realized he could answer a very important question: How can I make the banking industry better?

Jed McCaleb and Joyce Kim decided to create Stellar, altering the code of blockchain in order to make their service faster and less energy intensive.

Stellar was created after Jed sold Mt. Gox to Mark Karpelles, who then allowed Mt. Gox to be hacked. This event is still one of the most controversial and infamous events in the history of the existence of bitcoin.

Stellar is a little bit different from normal cryptocurrencies. Most coins require a process called data mining, where individuals volunteer their machines to house records for the currency. These individuals profit from this partnership by creating new coins on their machine. Stellar doesn’t utilize a data mining process, they simply give out their currency in a charitable fashion to those who are involved in Stellar, those who were already bitcoin owners, and partners.

Jed McCaleb and Stellar have created a system that can connect financial institutions all over the world, eliminating costly business fees and service charges. With these expensive fees eliminated, individuals who otherwise could not afford basic financial services now can. Stellar is already operational in Asia and Europe, even securing a partnership with IBM in order to create a more streamlined payment system for the computer giant.

Stellar is also partnered with Tempo, out of Europe; Cellulant, from Nigeria; and Distributed Lab, based out of Ukraine. Stellar assists these organizations in providing international transaction services and other banking services to the citizens of these areas.

Article source: https://cointelegraph.com/tags/jed-mccaleb

HCR Wealth Advisors, a Registered Investment Advisory Firm

Time waits for no man. It marches on. But in its wake, people are free to make progress or chaos for themselves. Things usually go better when designs are built on the cornerstones of cooperation and information. Constantly making the right decisions for a safe and secure financial future can be difficult throughout the years.

What works today or applies to the past may not have any value a decade from now. Life always finds an avenue to send distractions and lay sabotage to even the best laid plans. Luckily, all it takes to handle business and avoid desperation is a stiff upper lip and some critical thinking. Having a specific set of achievable goals is highly recommended when sitting down to plan finances.

Knowing which goals to go for and understanding why they may or may not be a good idea can seem nearly impossible. This is where an experienced registered investment advisory (RIA) firm can help make sense of all the little pieces of information and bring the big picture together. Certainly, there are many firms that provide any number of services. But, how many of these firms truly seek to build and nurture a relationship with the client’s interest in mind the way HCR Wealth Advisors does?

Developing a strong client relationship is a primary goal of HCR Wealth Advisors.  That can best occur when there is open communication and exchange of information between the firm and its clients. Clients are best served when they have the confidence and discipline to protect their own interests. And firms provide the best service when they know their clients for generations at a time.

This is the level of trust and loyalty that HCR Wealth Advisors seeks to cultivate with each of its clients their portfolios for every portfolio held by their clients. The firm also takes seriously its clients’ need for privacy and discretion in their financial affairs from matters concerning marriage and divorce to retirement.

HCR Wealth Advisors is not affiliated with this website.

Executing Retirement Methods While Enlisting Input from HCR Wealth Advisors

The term “Sandwich Generation” has been floating around for about a decade. It is used by financial advisors to describe people who are typically in their late thirties to early fifties that are financially supporting their aging parents and college-aged kids.

According to the Pew Research Center, a nonpartisan and data-driven think tank, one in seven middle-aged adults are supporting their aging parents as well as their own children.

Many of those in this situation are now experiencing those financial burdens, and those who want to prevent it, are seeking help from financial advisors like HCR Wealth Advisors to alleviate the financial burdens and to find viable solutions.

However, people can take matters into their own hands with a few practical tips:

  • Put money away early for retirement regardless of present responsibilities – pay “yourself” first through a retirement savings commitment.
  • Never leave money on the table such as company-matched retirement contributions through the workplace. A person should always try to contribute the maximum amount, which also has tax-deferred advantages.
  • Invest where feasible with discretionary income. Compound interest is a bargain that people often leave untapped. That is money received on top of money already gained.
  • Use tax-advantaged accounts for saving for college tuition. With tuition continuing to rise and no end in sight for a decrease, it is advantageous to lessen student debt. If not, the spare bedroom at an aging parent’s home might become occupied after graduation.

With people living longer, there is a sizable possibility that one parent will outlive their retirement fund. HCR Wealth Advisors also advises younger clients to familiarize themselves with an aging parent’s financial portfolio to prevent unexpected and uncertain times.

Since HCR Wealth Advisors has been in business, the firm’s advisory model has remained the same, develop personalized financial strategies tailored to each client’s needs and goals. Follow @HCRwealth on Facebook today.

HCR Wealth Advisors is not affiliated with this website.

Buying On The Pair And Selling On The Profits

The trick with forex is currency pairs and not currency options.

 

You might find difficult to follow the price trends in the currency market. It’s difficult to understand that the visual rise in data also means a visual drop. Rising currencies take the position of what’s called a “lead.” Currencies are written as pairs in the foreign exchange, so they are written like this: EUR/USD.

 

In this case, the lead currency is EUR, which stands for the Euro. The following currency listed is called the “quote.” This may all be confusing, but there’s an easy way to discover the process with more clarity. You’ll need a reliable trading platform. AvaTrade is a platform that offers everything you need in forex.

 

The Indicators You Need

Indicators are great to use when you know how.

Try only learning a few indicators at first. You’ll always deal with the same data no matter which indicator you use. The more advanced tools, they only give you a different overview of the same information. There’s so many facets in each trade decision that you’re likely not to rely on one factor alone.

 

Using multiple indicators is key, so learn and practice with those you like the most. The AvaTrade broker offers traders all of the possible tools they’ll use to trade successfully with. You can always opt in for the standard charts. Your trading style will dictate how you use AvaTrade and what type of data indicators are best for you.

 

Following Every Beat And Trend

Live data makes AvaTrade sustainable.

A true foreign exchange broker offers accessibility. We would simply go visit the forex market had we direct access without the infrastructure of a professional. The trading markets and the world are very big however. Getting information from one part of the world to another is the real work of a reliable broker.

 

This is why AvaTrade can sustain your trading so effectively. The platform keeps its traders updated on the latest news and beat by beat. You need access to every tick of the tape. AvaTrade is where you find it all.

Learn more about AvaTrade: http://www.avatradereview.info/

Louis Chenevert’s Major Accomplishments at UTC

Aerospace pioneer Louis Chenevert has worked at many companies but left his biggest legacy at United Technologies Corporation. With a passion for innovation and social impact the Canadian businessman did not take any shortcuts or sacrifice employees jobs to grow UTC to unbelievable heights. Here is little about Louis’s past. He born in Montreal, Canada where he spent his informative years. He received a Bachelor of Business Administration degree in Production Management. It was very fitting he went to a Canadian university, an affiliated business school of the University of Montreal called HEC Montreal.

Before his time at United Technologies Corporation, Louis Chenevert worked for General Motors for 14 where he was their general production manager. With a long career under his belt at General Motors he was ready for a brand new start and change in life. He started working at Pratt & Whitney, which is one of the companies under the umbrella of UTC. After several years at Pratt & Whitney he was promoted to President of the company. Mr. Chenevert was committed to innovation and obtain only the most advanced technology. He knew that getting UTC to invest in updating their jet engine. They invested lots of time and energy into making it happen. After two decades and $10 billion dollars later they were ready to unveil their new engine. They cut down fuel consumption by 16 percent and emissions by 50 percent. The new and improved version is used in over 70 aircraft and 14 airlines.

Getting United Technologies Corporation to invest in such advanced technology was a smart move but Louis was also continued to support the U.S. economy. Mr. Chenevert was committed to keeping these manufacturing jobs in the states. They have plants in Georgia, Florida, New York, Maine, Michigan, and Connecticut, home of UTC. They invested in their plants to keep up with demand and be able to serve future customers. Dedicated to creating new jobs and helping the economy, he was able to hire 25,000 new employees. He also create 5,000 new positions. Louis stepped down from UTC and now works at Goldman Sachs as Exclusive Advisor.

Roberto Santiago – The Simple Entrepreneur Who Made a Unique Shopping Center

The Manaira Shopping Mall, owned by Roberto Santiago is now considered as the most significant shopping mall in the Paraiba state of Brazil and one of the largest in the whole country. It is also this huge business project that propelled Roberto Santiago into the status of one of the most successful and influential entrepreneurs in the Paraiba state as well as the whole country of Brazil.

 

The leisure activities showcased in the Manaira attracts people of all ages, be it conventional shopping for items, watching a movie, dining with family and friends and other events. The Manaira’s slogan, “what are you going to do today?” is a simple and yet effective slogan because it directly engages people’s minds and attracts them to do whatever they want to do that day inside the mall, or simply try out whatever they can do inside.

 

The cinema of the Manaira is one of its biggest strengths, for it features cutting-edge technology and comfortable seats, all for the convenience and enjoyment of the movie goers in Paraiba. Apart from that, it is considered one of the best shopping center cinemas they have in Brazil, and the technology was paired with a special room that has enough space for more than a hundred people.

Another thing that separates Manaira from other shopping centers in Brazil is its regular events that always changes. These events are designed to make the people’s shopping experience more interactive and dynamic and of course, exciting.

 

The architecture of the Manaira is also attractive to customers. It was well-thought by the best architects in the business so that it shows a very aesthetic design with modern architecture while also maintaining enough windows for every corridor to be illuminated by the sun. Because of that, it is a great place to have a walk while also getting vitamin D from the sunlight.

 

Roberto Santiago’s Manaira Shopping Mall is Shaping Up the Way Brazilians Think About Leisure

 

The placement of the stores is also highly strategic because it was thought out of how different age groups act while shopping. For example, where teenagers tend to pass by next after shopping at a specific store, and what are the favorite locations that kids would want to visit when going to the shopping center, cramming them together in corridors that are close to each other.

 

One of the critical features for the Roberto Santiago’s Manaira Shopping Mall’s success are the positive feedback it gets. It even gets more positive feedback than the bigger malls in Brazil and these positive feedbacks are only possible because people simply like what they see and get in the Manaira.

 

If you ever get the chance to visit the wonderful state of Paraiba, make sure to pass by the Manaira Shopping.

 

 

Joel Friant’s Habanero Shaker is Shaking Up the Spice Game

Joel Friant knows how to do a lot of things and all of these tasks fall under the umbrella of personal success and professional profit. The first transferable skill Joel Friant can teach any person, in the best way possible through example, is that of follow through. This follow through is seen in his successes as a real estate agent, marketer, business coach and mentor. Other concepts and skills that he is more than authoritative on are that of reverse engineering and innovation as well. What this means is that he knows what it takes to follow the instructions and market trends of commerce and trade while at the same time using his experience to design new products or services as needed.

One of the best examples of this product production is his signature condiment the Habanero Shaker first created in the year 1995. The history of the shaker has a humble start and a really magnificent climb to the top. Even when there are times of not so plenty market-wise Joel Friant’s commitment to his product and dream is known for keeping the integrity of the product and its distribution to the public intact. Long story short, this means that for a while fans of the habanero sauce may remember not having it at their tables, but it’s comeback is more than present now.

Although its producer and creator deserves the lion’s share of credit for this product’s wherewithal presence to the public, the real star of the show is the heat and flavor of the Habanero Shaker itself. There’s more than just anecdotal evidence that supports the smokey flavor and smooth yet biting mouthfeel of this American classic. There’s a little bit of scientific evidence that supports its claim to fame and it’s striking heat that it brings to the party.

The habanero pepper holds 2,000 Scoville units where the jalapeno provides about 4,000. The numbers don’t lie and the Scoville unit is the accepted mark and measure of caliente, since 1912. Joel is not that old, however his product is sure to be around for as long as he wants to be. And, his customers are sure to be grateful for that.

Learn more about Joel Friant: https://about.me/joelfriant/

AvaTrade Review Of What To Expect In Forex Platform Trading

The Forex broker based in Ireland, AvaTrade started in 2006. The Forex based online platform will need to be understood before you begin Forex trading. There are no two Forex companies or traders that are just alike. While one thing can work for one person, it may not work for others.

AvaTrade is not the bot which will do all the work for you. It is solely a tool to help you in trading. It also will not tell you how much you should invest or how much you should trade. It will instead give you the metrics of what investments have already been done. This will help you to come to a better informed decision. It will not give you the guide for everything that you need to know about Forex and currency. You cannot expect to have everything in the Forex trade figured out overnight. It will not happen with any platform or with AvaTrade.

If you want to become an expert in the world of Forex trading, you should know that other experts in this field used the same tool to help them better understand the basics of Forex and what moves they should or should not make concerning the trading of currencies. You have to be the one who ultimately decides how you are going to use it. You can at least decide to use the premier experts to help you make ongoing decisions.

If you are someone that is just walking into the world of Forex, this platform will help you to learn everything that you will need to know to be successful. The platform will work to show you the conversion rates between currencies. It will also help you to understand what the time zones are and how to use them to benefit your trading.

If you want to watch videos to better figure out how to trade, if you want to be a part of a webinar, you can also do this through AvaTrade review. Everything you will need to help you get started is going to be at your fingertips with a subscription to the platform.

The Oxford Club: New Investment Opportunities

Based in Baltimore, Maryland, the Oxford Club is a popular network of successful business people, entrepreneurs, and investors. The network spans globally, operating in more than 100 countries with 80,000 plus members. The Oxford Club was founded in 1989, and the reason of the club’s establishment is to connect all of successful entrepreneur worldwide, sharing information and techniques on how to become wealthy and where to invest. The Oxford Club has a unique system used solely for investment purposes, and the principles that they have developed has been proven to be effective for different markets. The Oxford Club is providing their members some recommendations and suggestions on where they can put their money for it to grow, and they are also involved in hosting conventions and conferences for their members so that they can learn more about investing.

The 80,000 members of the Oxford Club enjoy connections with high profile entrepreneurs and investors that they are meeting within the club, which provides them with greater opportunities. Today, the Oxford Club is sharing all of the information and strategies that they developed through the years on different broadcasting platforms, like podcasts and newsletters. They are also inviting more people to join their group and learn so many things about investing.

Crypto currencies are said to be the currencies of the future, and the most popular type of crypto currency – bitcoin – is smashing records for its climbing value. The Oxford Club, through its podcasts and newsletters, is informing their members about the advantages and the disadvantages of investing in crypto currencies like bitcoin, as well as investing in ICOs and AltCoins. They are stating that investing in these new investment methods is volatile, but its volatility can also become its advantage or disadvantage. If one is attentive enough, they can play with the volatility of crypto currencies to earn much money. The Oxford Club is also stating how their members can start an ICO, or an initial coin offering in order to gain funding for their business plans or projects. ICOs are good for those who need funding, but the Oxford Club says that one should be wary about finishing their projects. AltCoins are also available, or those lesser crypto currencies that are still low in value. The Oxford Club states that these could get higher value overtime, and their members must always take note.

Siteline Cabinetry- Giving an Exclusive Personality to Homes

The Corsi Group made a triumphant entry into the market in 2015 by introducing the Siteline Cabinetry. The latter is made up of more than 270 materials that come at a relatively lower price, finish choices as well as full-accessed brands with an array of pre-configured cabinets as well as accessories. One of the most significant advantages of the brand is that it is customized per the client’s specifications and the lead time is about four to five weeks.

It has been two years since Sitelines Cabinetry graced the transformation of many households. Many thanks to various individuals that decided to refurbish their homes either partly or as a whole and more so for those that trusted in Stateline to do the Job for them since they have never regretted.

The beatification of various kitchens, laundry areas, bathrooms and closets by Siteline Cabinetry offers a window for everyone to turn a home into a charming space to live. More significantly is the freedom that comes in selecting various tests and preferences such as your style of choice, the size of the cabinet, materials used, your preferred color and much more. Besides, it offers a fast turn-around from the minute you request an authorized dealer thus offering the necessary convenience.

A radical business model that is practiced at the Siteline provides the fastest down-time as much as possible. The delivery of an item to the client is very fast since immediately in order is made to an authorized dealer, and it is then forwarded to the main manufacturing plant based in Virginia. The latest technology used in cabinet manufacturing is highly tested and certified to meet the international standards as well a pre-configured selection created with engineering paradigms.

Previously the bathroom was a place where one could get in for a quick shower and get out. However, Siteline Cabinetry made things a bit different in the sense that it has made the bathroom a comfy space in the home where one can relax and let everything go.

Furthermore, home beatifications with Siteline Cabinetry can be protracted to closets and laundry areas to give an exclusive personality to your home.