Jed McCaleb Shares His Visions For The Future Of Blockchain

The name Jed McCaleb has been associated with some of the most impressive cryptocurrency companies yet to be created. McCaleb began his work with the bitcoin industry with the bitcoin exchange Mt. Gox and now works with Stellar as its chief technology officer. McCaleb and Stellar are currently hard at work developing a network for cryptocurrency that facilitates cross-border payments.

Jed McCaleb, while talking recently with says that a universal network for payments is approaching in our, not too distant future and will be connected to things that people are used to using like Euros, dollars, etc.

Not so surprisingly, the company for which McCaleb works is seeking to achieve this solution first. Stellar boasts of a transaction time of five seconds or less and provides a way for users to exchange currencies that are backed by world governments. IBM presently using the network provided by Stellar to develop payments systems that cross borders with some of the larger banks with which the company does business.

Another opinion of Jed McCaleb is that the feverish sales pace of initial coin offerings, which have raided %9 billion in just four years, give hint to the fact that the market still possesses room to grow.

This influx of monies has also given rise to a number of fraudsters that pretend to be running similar fundraisers and have caught the attention of regulators in many countries. But cryptocurrency proponents stress the fact that this type of business fundraising is here to stay.

These types of ‘coin sales’ are different from conventional methods of business fundraising such as seeking venture capital because these token sales are by way of individual investors and can benefit the investor by either providing a future platform or providing a profitable return on investment.

A final projection by McCaleb is that assets that are not associated with crypto technology like stocks will soon become digitized by use of the same technology.

Several companies have already been seen to make attempts at connecting traditional financial markets to digital currency and one of them, Seccurrency, a company that is headquartered in Maryland, is expected to soon allow stock purchases with bitcoin.

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Heather Russell Brings a Wealth of Experience to TransUnion Executive Team

Heather Russell has been chosen to take on the position of Executive Vice President and Chief Legal Officer for TransUnion. She replaced John Blenke on June, 4th after his voluntary resignation.

Russell brings over 20 years of executive legal experience to TransUnion. She is thoroughly versed in all areas of corporate rules and regulations, security concerns, and the vast array of complexities that are a huge part of a job with such a number of critical responsibilities.

Heather Russell was previously a legal executive at the law firm of Buckey Sandler, LLC where she played a major role in providing leadership in the areas of financial regulation, security, and fintech for all of the firm’s financial organizations.

According to Wikipedia, Russell’s previous executive experience includes (but is not limited to), the position of Chief Legal Officer and Corporate Secretary at Fifth Third Bank. Russell has also held several high-level positions at a variety of corporate firms. Heather Russell also has a top-notch education earning a JD (with honors) from American University Washington College of Law, and Russell has earned a BA from the College of William and Mary.

Heather Russell is filling a critical role at TransUnion. Information has never been a more valuable commodity than it is today. The importance of properly regulating, managing, and securing data literally can have repercussions on a global scale that can adversely affect the financial operations of governments around the globe. It is of vital importance that top executives with the expertise of Heather Russell are needed like never before, to help create critical data solutions for companies such as TransUnion that are an important part of life in the digital age.

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HCR Wealth Advisors Believes New Retirement Has Superlative Opportunities for Creating a Well-Balanced Future

Typically, the retirement process begins with a person putting a great emphasis on finances. As retirement nears, a person may also plan to reduce their debt load, restructure certain assets, or even downsize to bring their lifestyle in line with the future. However, through all the planning, there is rarely an emphasis placed on the emotional and psychological side of retirement. It’s critical that retirement planning take those matters into consideration in order to produce a well-balanced future.

The “New Retirement” takes these matters into consideration and explores the complexities of the transition from the workplace to the freedom of retirement. Through exploring challenges such as loss of identity, workplace structure, and social advantages, there is empowerment. There is also an examination of adjusting the aspects of family and personal life, as a person adjusts to retirement.

Although retirement is seen as a life of freedom and independence, there can often be times of boredom, frustration, fatigue, depression and even a decrease in health conditions. HCR Wealth Advisors has its share of clients who have been lacking in a plan of uncertainty for non-financial matters, but stable in their financial portfolio. The registered investment advisory firm recommends a comprehensive approach towards retirement that embodies all elements and factors that are part of everyday life.

With a focus on “New Retirement,” people can make informed decisions that are not based on fear or lack of empowerment. The process is a continuum of tweaking the results desired, as life continues to unfold. According to HCR Wealth Advisors, people will spend 15 to 20 years planning retirement, but they don’t spend the quality time to deep dive into matters that affect their quality of life, far more than finances. The firm suggests having a Plan B and a level of expectations that there will always be a need to fine-tune retirement. With more than 10,000 people retiring every day, and with a life expectancy for some of 30 years beyond retirement, many people could spend more time in retirement than they have in their primary career.

HCR Wealth Advisors (@HcrWealth) believes that a good comprehensive plan includes assessing transitions and changes, personal development changes, relationship matters, living conditions, and personal well-being. The “New Retirement” has the potential for being a brand-new beginning in life and starts with creating an all-inclusive plan.

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How Michael Hagele Became An Attorney

Over the period of his career Michael Hagele has helped counsel technology based businesses on legal matters. His wide variety of experience when it comes to commercial agreements is a helpful asset to his business, making him an idea candidate for tech companies in need of a qualified attorney.

Michael Hagele previously worked for Fenwick & West LLP in their Silicon Valley offices. As an expert in his field Michael primarily worked in the Licensing and Online Commerce Group. He has experience in as in-house counsel and outside counsel and it has taught him regardless of how big and small a legal firm is, they both can deliver high quality results. Mr. Hagele knows a lot about commercial agreements, but also specializes in intellectual property purchases, drafts and reviews intellectual property rights portfolios, and much more. Learn more at about Michael.

In his career the successful attorney is also investing in early stage technology companies he believes in. This has served Michael very well and the companies have flourished under his care. Mr. Hagele has even branched outside the tech industry in the restaurant and hospitality industries, funding them and even creating his own businesses as a founder. When asked what the worst job he even had Michael Hagele said it was when he was younger in a car wash in Chicago. Winters there can be brutal and his hands were constantly numb and in pain. This job taught him to pursue a higher education so he could change his future for the better and so he did. Michael Hagele attended the University of California, Berkeley to study law. In 1997 the budding lawyer earned his J.D. degree and was ready for the world. He learned that tenacity was an important asset for him to achieve his goals in life.

Though he achieved a lot of success in his career, Mr. Hagele also had his share of failures like anyone. One in particular stood out to him. He learned the hard way that finding the right partners in business is crucial. He partnered up with a celebrity chef to open a new restaurant and it did not go well. His partner did not see him as an equal and was solely focused on profits. It unfortunately did not last. Now Michael is happy working as an attorney helping tech companies.



Heather Russell: Spearheading for Change in Business and Law through Vibrant Leadership

Heather Russell was born on the 26th day of July in 1971. The 46-year-old mogul currently stays in Bronxville after she moved from Washington DC. She has is known by other names, for example, Heather Russell Koenig, Heather J Russell and she is currently married. Heather Russell has brought high levels of expertise and financial experiences from global services being the executive vice president and chief legal officer of TransUnion Organisation executive committee. Her wonderful extraordinary track record and background of the financial sector and advancement of her continuous career has made her a really important TransUnion asset.

According to, Russell went to the William and Mary College where she got a Bachelor of Arts degree in Biology and English. She then went to pursue her Juris Degree in Washington at American University Law College and graduated with honors. Her first position as a law graduate was serving as a clerk for Judge Claude M Milton from the Virginia Eastern District Court. She then accepted a work opportunity at Skadden, Arps where she served for seven years as a counsel and developed shrewd skills which groomed her to be an intelligent lawyer.

In 2006, Russell accepted an American bank position as a senior vice president and associate general. Furthermore, she served Fifth Third Bank and finally found her last position at Buckley Sandler LLP, and served as the strategic supervisor over not only areas regulating finances but also over the fintech practices. As a result of increased experiences and responsibilities, Heather Russell developed a high level of strong intellectual corporate portfolio governance legally as an executive specialist in regulatory and financial service areas. All these make her a perfect fit for the TransUnion organization. Russell brings to the organization, financial services for the consumer, global expertise in finance, and secures government regulation knowledge which aids in the valuable foundation provision for her and the TransUnion organization as a whole.

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Why TransUnion Decided To Hire Heather Russell

Heather Russell has led a very impressive career life.

For starters, she has over 20 years’ experience in the financial services sector.

She also knows how to land great jobs and retain them.

Russell has worked for such companies as

  • Fifth Third Bank
  • Bank of New York Mellon
  • Bank of America
  • Skadden, Arps

She has held prestigious positions in each of these companies. Her roles in these companies were those of leadership. A few of the positions that she has held include

  • Chief Legal Officer and Corporate Secretary
  • Head of Public Policy and Regulatory Affairs and Managing Director
  • Associate General Counsel and Senior Vice President

Looking at her track record, it is no wonder that Jim Peck, President of TransUnion, and others felt that she was the perfect candidate for the unique position of Cief Legal Officer.

Along with this role comes the role of Executive Vice President.

Russell will be replacing John Blenke, TransUnion’s current Executive Vice President and Chief Legal Officer.

Blenke, along with Peck and others, are thrilled to have Russell join the team to help take the company to new heights.

TransUnion is well known for being one of three credit bureaus. The other two are Equifax and Experian.

TransUnion makes its services available in over 30 countries. A few of these countries are

  • North America
  • Africa
  • Asia
  • Latin America

Although TransUnion is known for being a powerful credit bureau, there is a lot of work that goes on behind the scenes.

For this reason, it is crucial that the company hires only the top people in the financial field.

It was for this reason that they hired Heather Russell.

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HCR Wealth Advisors Help People Plan Their Investment Strategy

The economic uncertainty that has blanketed the world can be scary for people who are not that financially savvy. Building a financial and investment strategy can be difficult for people who are not used to following the market trends and researching various investment options. The number of investment options in the market has been increasing at a rapid pace in the past couple of decades. To get past the hurdle of selecting the right investment option, consulting with the financial and investment expert is essential. It is where the need for HCR Wealth Advisors, one of the most reputed registered investment advisory firms in Los Angeles, comes in.

HCR Wealth Advisors works closely with its clients to understand their financial goals and ascertain how to achieve that while minimizing risks from economic uncertainty. One of the primary reasons why people hire financial and investment expert is to ensure that they have a financially secured life, and it is what HCR Wealth Advisors achieve for their clients. The firm uses its years of experience and wealth of knowledge it has gathered to ensure that the clients’ financial and investment goals are achieved with as much precision as possible. HCR Wealth Advisors has a team of investment experts who work closely with clients to ensure that the personalized financial and investment strategy is developed and implemented seamlessly to achieve the desired results.

As a top registered investment advisory firm in Los Angeles, HCR Wealth Advisors has handled the financial and investment strategy for hundreds and thousands of clients over the years. HCR Wealth Advisors is also involved in in-depth economic research, and recently published an article on how the tax imposed by the U.S. government on imports, especially from China, can impact the economy broadly in the years to come. Many factors can influence not only national income but also many small businesses that are into importing and exporting. Many other countries that have come under the radar of the new import tax being levied by the U.S. government are preparing to retaliate with similar measures, and thus, the businesses need to stay prepared to cut down their profit margin and increase their gross revenue overall.

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Tony Petrello support for medical research

Tony Petrello is a distinguished corporate executive in the United States. He leads the biggest oil company in the country called Nabors Industries. Tony Petrello is the CEO of the company and has been holding the position since 2011. He has become popular especially in Texas not because of his wealth as a top executive but as a generous philanthropist who has given out millions in supporting the community. Tony Petrello supports various causes in Texas that are meant to alleviate the problems people are going through. His philanthropic work has seen him team up with his wife to support a noble idea of medical research at the Texas Children’s Hospital.

Tony Petrello had always had the heart to help even before he was appointed CEO. As a beneficiary of such initiatives, while he was growing up, he has always held charitable causes close to his heart. He knows they can change a person’s life just like he did. While Tony Petrello was growing up, he was sponsored by the Yale University to get education. He was from a poor family who could not have afforded to give him the education he deserved despite being brilliant in his studies. Since then, Tony Petrello has been using part of his wealth in giving back to the community as a sign of appreciation. Tony Petrello has further gained motivation to support charitable causes through his own experiences. As of today, Petrello is a top financier of the neurological research center found at the Texas Children’s Hospital.

This is a cause he has been supporting for some time now as he tries to find a cure for a medical disorder that his daughter is suffering from. Tony Petrello has given $5 million to the medical facility to facilitate research work. Part of his donation has been used to recruit top world doctors and surgeons who are supposed to conduct research. Tony Petrello remains optimistic that this research center will develop a cure for neurological disorders in children like Carena. Before engaging the Texas Children’s Hospital to start the research Centre, he had traversed all over the world looking for a medical facility that would treat his daughter’s condition, but none was available. It is after this unsuccessful search that he finally approached the Texas Children’s hospital about starting a research Centre that would come up with a solution for neurological problems. Through the efforts of Tony Petrello, thousands of children could have their medical problems solved.

The Oxford Club Explains “Retirement Rebalancing”

In this online article, Alexander Green the Chief Investment Strategist for the Oxford Club explains the concept of “retirement rebalancing.”

Retirement rebalancing is vital for every investor who is no longer in the workforce. If you’re in the stage of life of living on wealth instead of building it, you need to understand this concept.

That’s because, on average, people are living longer than ever. You will likely need to use your portfolio to bolster your lifestyle for two to three decades. Depending on how medical science advances in the years to come, you might live far longer than you now believe.

That increases the risk that your portfolio will face in the financial markets. There’ll certainly be a bear market (or two or three) in the next few decades. If you sell stocks when their prices are low, that will weaken your portfolio even after the market again turns up. Inflation could certainly go up again in the future.

People often ask Green how much money they should keep in stocks. In the article, he explains the need to keep enough money in low-risk bonds or cash to meet your living expenses during bear markets. Keep the remainder of your capital in the stock market to take advantage of price rises caused by bull markets.

During bear markets, you live on cash. During bull markets, you live on stocks.

The Oxford Club is an international network of investors and entrepreneurs who seek to build and protect their wealth using the best available financial strategies and information available.

Based in Baltimore Maryland, The Oxford Club has over 80,000 members. Investment U is the teaching branch of the Oxford Club, one of the first financial education websites online. Investment U offers everyone a free daily email service, Investment U Daily. Membership gives access to a tremendous number of courses, books, videos, conferences and other educational opportunities. Their goal is to help members create freedom through extraordinary wealth creation. Investment U Daily also has a premium version, Investment U Plus, which gives stock tips you can use immediately to make money with.

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Marc Sparks and His Zest for Entrepreneurial Quests and Life

Marc Sparks is passionate about building businesses, and has been that way for quite some time. Raised in the Austin, Texas area, Marc has been active in entrepreneurial pursuits since graduating high school in 1975. He is was a self-proclaimed average student, but this did nothing to effect the fervor with which he approached his various business pursuits. Marc is driven actively by his deep rooted faith and passion for the greatest products and the greatest people. Currently Dallas based, Marc is one of the most active and successful ‘serial-entrepreneurs‘ and venture capitalists in the region.


Marc Sparks is unique in his analysis of ideas that are commonly rejected by others; he sees potential in things from such a dynamic angle that he is able to rouse out the greatness in so many things. His approach to the business building is not just about the bottom line as he focuses on culture in the company as much as he focuses on the actual business model itself. He is known for his available presence and availability for his employees as well as his tenacity. Although Marc does possess an unrelenting desire to always win, he understands that losing is part of life and that as long as he can learn something from all that he does than he is constantly progressing. Learn more:

Outside of the business world Marc is an active philanthropist and known most for his work with the homeless shelter Samaritan Inn in his home state of Texas. Marc considers the importance of helping those who want to help themselves as a big part of his life and he works diligently to help where and when he can. As a hobbyist Marc enjoys hunting, fishing, golf, working out and pretty much anything that takes him outside. Tying back his deep passion for entrepreneurial pursuits and venture capitalism, Marc feels that the outdoors work to inspire him in ways that other parts of life simply can not reach. Learn more: