TransUnion Will Benefit From The Legal and Financial Service Experience of New CLO Heather Russell

Heather Russell started her job on June 4 as the new Executive Vice President and Chief Legal Officer with TransUnion. Russell has an abundance of experience and knowledge from her 20 years of legal and financial services, and her skills will prove valuable to the TransUnion consumer credit reporting agency. According to Reuters, TransUnion renders products and services to consumers and businesses, supplying significant data that informs consumers and companies to assist them in making better decisions. So, with the resources that Heather Russell will be bringing to TransUnion, her knowledge will be a more significant, more effective benefit to their clients.

The experience Heather Russell garnered before joining TransUnion was as a division manager for the law firm of Buckley Sandler, LLP, where she supervised financial institutions and FinTech. While Russell worked as a legal executive, she managed the global financial services division which gave her experience with data privacy and security, consumer financial services, mergers and acquisitions, and regulatory compliance.

Before Heather Russell’s tenure with Buckley Sandler law firm, she worked for Fifth Third Bank as a Corporate Secretary, Chief Legal Officer, and then she served as Executive Vice President. Previously to her employment with Fifth Third Bank, she worked at Bank of New York Mellon as the Head of Public Policy and Regulatory Affairs and Managing Director. Before her job with Bank of New York Mellon, Russell was the Associate General Counsel and Senior Vice President at Bank of America. Beforehand, Russell became employed by Skadden, Arps in Washington, DC, and London, managing corporate finance and mergers and acquisitions.

As the Executive Vice President and Chief Legal Office for TransUnion, Heather Russell will oversee all legal matters, government relations, corporate compliance and governance, and consumer privacy issues of TransUnion and all of its divisions. Heather Russell will be working under TransUnion President and CEO Jim Peck, and she will report to him regarding all matters. She will also serve on TransUnion’s Executive Committee. Follow Russell on Facebook.

Visit here:

Jed McCaleb And The Future Of Virtual Currency

Around the world, there has been the idea of digital cash as well as virtual currency. It has been there for a while now, but it came to be true in 2009 after the release of Bitcoin. Most people were happy about it and saw it as a revolutionary. However, even after this discovery, it stayed for almost a decade before going into the mainstream. Although finally, Bitcoin has achieved success after many years since it was discovered, it faced challenges along the way. One of the people who worked hard to get Bitcoin to be recognized is Jed McCaleb. He is a hero when you talk about cryptocurrency. Read more about McCaleb on Coin Telegraph.

Where did the idea of cryptocurrency come from?

Originally the idea behind cryptocurrencies was to make payments easy and quick as well as making sure there is transparency. It meant that sending payment could be easy and this would be for small fines. It was supposed to be a fair system for everyone in the financial sector. However, some people seem not to understand the idea behind cryptocurrency. Many have started scams, and that is why there is a sea of Initial Coin Offerings. But the best part with cryptocurrency is such scams cannot succeed. Some have taken the opportunity as a get rich quick scheme without knowing the technology and the original idea behind Bitcoins.


When it comes to the world of cryptocurrency, one of the people who have stood out is Jed McCaleb. He is the one behind the success of Stellar. Jed McCaleb is an expert in programming and coding and worked with several technology companies to gain a lot of experience. He understood that although there was significant progress in cryptocurrency, a lot of people in third world countries did not see the benefits of this discovery. According to Jed, financial models were not complete and they contained gaps that needed to be fixed. He was sure that the current infrastructures in the world could not solve these issues. That understanding is what led the entrepreneur to start a company known as Stellar. The primary goal is to ensure the right approach when it comes to financial transactions.

From this source:

HCR Wealth Advisors: Helping People Secure Their Financial Future

The financial world is ever changing and ever evolving. What may have been the norm and the newest fad on the market five years ago is not the same as the one prevalent today. More trends are evolving and more people are seeking innovative and new ways to be able to reach their financial goals. It becomes important to analyze the changing trends and adapt their way of working around them. However, the work of normal people is not that easy. The general populous often does not adapt as well to the changes in the financial world and are at times left wondering what the next step should be for them to take to help secure their financial future.

One of the best routes that a person can take when trying to keep up with the changing economic conditions is to find a wealth advisor. A wealth advisor is usually the person who can identify the routes that a person can take to better the financial situation that they are in. Wealth Advisors aren’t only needed when someone needs a solution for a financial problem, but through the years as they progress through their careers and changing economic situations.

According to glassdoor, the need for personalized situations is more prevalent than ever. Formulating a good plan of action with a good financial advisor is always advised and is one of the most efficient ways in which one can know which routes that they need to take to have a better financial future.

HCR Wealth Advisors (@HCRwealth) is a firm that is known to provide a wide range of services to those who are looking to figure out the best route to invest their money in. The company takes a significant amount of care to ensure that the clients coming to them have their needs well taken care of and are working to their best interests. The company has set incredibly high standards for their employees to ensure that they always meet the expectations that the clients have for them. Because of the work that they have been doing, HCR Wealth Advisors, a registered investment advisory firm, has gained a positive reputation for themselves among its clients.

HCR Wealth Advisors is not affiliated with this website.

Jim Toner: From Rags To Riches Through Savvy Real Estate Investing

Real estate investor and entrepreneur Jim Toner has been involved in real estate for over 25 years. He has done deals for people with no money and no credit, given veterans debt-free homes and helped thousands make money. In 2010, a nationally-known real estate ‘guru’ tricked Toner and several of his clients out if their money. Frustrated, Jim Toner gave up real estate investing. He began teaching business owners and entrepreneurs to use ‘celebrity positioning’ to make more money. He also wrote the best-selling book ‘Send in the Wolves’.

Months later, a close friend encouraged Jim Toner to re-enter the real estate industry. He pointed out how inspirational Toner’s rags-to-riches story is to many people with a dollar and a dream. Toner agreed to do it on two conditions: He would pick the city to operate in and he would recruit that city’s best local investor to run his program. Jim Toner knows the secret to helping people make money investing in real estate is working closely with them.

Since then Jim Toner has created an all-star ground team and a well-oiled local machine. His goal is building the world’s top real estate investment training organization. Working with fun, non-conformist, hardcore entrepreneurs he calls ‘The Band of Rebels’, Toner enjoys doing right by people and helping hard working men and women learn to make a significant profit by investing in real estate using the effective turnkey system he developed.

When Pittsburgh native Jim Toner filed bankruptcy and moved to Scottsdale, Arizona, he had no money, no credit and no idea what to do. He saw the potential in investing in real estate, developed a working model, tested it, improved it and tried it again. The repetition gave him confidence. Working from a Cave Creek, Arizona coffee shop, Toner created a real estate investment system that helped him and thousands of others nationwide become wealthy.

Jim Toner recently wrote the book ‘The Consumer’s Guide to Investment Real Estate: How to Profit in Today’s Market Using History’s Greatest Wealth Builder’. It’s a step-by-step guide to making money by investing in real estate. Learn more about Jim Toner on AngeList.


The Business Model And Decisions Of Hussain Sajwani

Hussain Sajwani knew in 2002 Dubai’s future was in property. The company he established is called DAMAC Properties and is strongly associated with exceptional marketing stunts and building magnificent golf courses with Donald Trump. Hussain Sajwani did not begin his career in properties but in the industry of food service. Long before DAMAC existed, he had served the food service needs during Desert Storm for the United States Army. He has worked for Americans in the Gulf, Bosnia and Somalia.

DAMAC remains a part of Hussain Sajwani‘s operations as a reminder of the importance of cultivating important friendships. His skills are being used well as the UAE property prices are recovering. He is considering using the London Stock Exchange as a venue for an initial public offering. Hussain Sajwani believes there are numerous options available for DAMAC. His company has a low debt ratio and a cushion of bonds and cash. This may lead to expansion or provide additional funds for the business owners. He is leaving his options open.

Dubai was at the beginning of a six year boom in real estate when he decided the future was in property. In 2002, DAMAC properties emerged and it was far from being mid-market. Hussain Sajwani build extraordinary developments and employed aggressive marketing. His key to the business model was off plan sales. He was one of few who realized there was a crash coming in 2008. The precautions he took preserved his cash and decreased his costs. He was out of the woods the very next year. Hussain Sajwani survived the crises by controlling his costs, being careful with his cash, reigning in certain projects and using strict measures for buyers in bad situations.

According to an interview with CNBC, Hussain Sajwani does not believe DAMAC is in any danger because he does not feel the property bubble in Dubai is inflating again. He has stated the market is different now due to the tough new conditions imposed by the Dubai property regulator on escrow accounts and land sales. His business model has three basic principles. He will not hold debt for land. He ensures all escrow accounts remain independent. He retains cash reserves for DAMAC.

Read this:

Drew Madden: Never Miss An Opportunity

In today’s fast-changing world of healthcare, businesses that stay ahead of their competitors never miss an opportunity. Whether venturing into a new aspect of healthcare, updating their technology, or other aspects that lead to innovative ideas, a forward-thinking approach such as this always leads to great results. This has become evident recently, as healthcare insurer Aetna and world-renowned pharmaceutical chain CVS have announced plans to merge their companies, creating the ability to greatly expand their customer base. This move, along with finding out online retail giant Amazon has obtained pharmaceutical licenses in multiple states, leads one to conclude the healthcare industry as we know it will be undergoing drastic changes in the upcoming years. Because of this, healthcare entrepreneurs such as Drew Madden are finding their services to be in high demand.

Currently one of the founders of Evergreen Healthcare Partners, a healthcare consulting company focusing on IT operations and change management, Drew Madden has more than two decades experience helping companies, healthcare facilities, and other related businesses solve the most complex problems. Using his B.S. degree in Industrial Engineering, he has worked extensively to design state-of-the-art electronic medical records systems that utilize cloud technology and other aspects to create systems that are more secure than ever. As a result, he has been able to help numerous organizations put aside systems that were relying on outdated software, and instead provide online medical records systems that keep vital medical and personal data safe and secure.

Prior to founding Evergreen Healthcare Partners, Drew Madden had already established himself as perhaps the leading authority in the healthcare IT industry. This came from his years at Nordic Consulting Partners, where he served as co-founder and President. A small healthcare IT consulting firm when it began, Drew quickly began to get incredible results. Starting with only 10 employees, it grew to include more than 700 skilled IT professionals when he left. Along with this, the client list went from three to 150, and annual revenues from $1 million to over $130 million. With results like this, it’s no wonder Drew Madden’s reputation speaks for itself.

Hussain Sajwani: Leading Middle-East Property Development

When you get a free Bentley from every Apartment you buy then you know you are buying into luxury. This is what Dumac Group are for know all around the Middle-East.

Dumac invests millions of dollars and partners with a top portfolio to make state of the art apartments, villas and luxuries all over the world. Some of the luxurious houses that Damac has financed include the over 600 million dollars Aykon One Tower built 9 Elms. Versace was selected to add the luxury touch to the tower. They have also worked with Paramount Pictures to create the Paramount hotels and resorts. However, the biggest name that Damac has worked with is the President of the United States, Donald J. Trump.

Damac Group partnered with the Trump Organization to create the Trump International Golf Club. This was a piece of art. Designed by the golf legend, Tiger Woods, Versace, and Fendi. The internal decoration was undertaken by Bugatti. The project has currently raked in 2 billion dollars. Hassan Sajwani has led the company in building commercial and residential projects throughout middle-east and Europe.

The Trump family and the Chairman of Dumac plan to build further projects in the future. The companies currently boast of 20,230 homes and another 44,000 units are underway. However, the man to be credited with this success is none other than Hussain Sajwani.

He is the chairman, CEO, and founder of Damac group. The University of Washington graduate started as a contract manager in the National Oil Company in Abu Dhabi. He was not to stay in that position for long, the entrepreneurial skills he had gotten from his father who was a Watch seller led him to start a catering service business that still exists. Later, he moved to get into the property business in the Mid-90s, before Sajwani established Damac in 2002. Sajwani also leads the DICO Investment Co.LLC.

Hussain Sajwan has led a company to be considered the best in the world by Forbes, but this has not stopped his philanthropic hand from giving. Through the Damac Foundation, Hussain Sajwani sponsored the One Million Arab Coder Initiative. The launch achieved high publicity and admiration that it was launched by the ruler of Dubai, Sheikh Mohammad bin Rashid Al Makhtoum.

Hussain Sajwani Online:

Article Recap: Lime Crime

Sporting neon coloured hair isn’t for the faint of heart… Do Deere (founder of Lime Crime) is not afraid of being bold, and shining bright. Her brand Lime Crime is like an extension of her personality: bold, and bright. Keeping in mind the age we are living in, Instagram has become a popular tool for Do Deere to use marketing her product. Because of Lime Crime’s bright, and bold nature, it stands out on Instagram and is very, very, hard to miss…


A stylist caught up with Do Deere in late April of 2018 to ask her a few questions…


When asked about what makes a cult beauty brand, or a cult product, Do Deere responded by saying something insightful. She believes that that word cult means being unique. She also notes that her success is because of her willingness to stand out, and be bold, and unique. When asked about her mistakes as an entrepreneur she is refreshingly wise. Do Deere responds simply by saying, “we all makes mistakes and Lime Crime is no different. What’s important is how we learn, and grow from those mistakes.”


Do Deere also admits that entrepreneurship is a huge passion of hers. She believes in paying attention to the market, and strives to make her products stand out, and beat the competition. She also stresses the importance of listening to one’s inner voice about certain situations. Lime Crime has a fabulous team of people working together full-time constantly striving to make their products the best. They make a product that they, themselves, would use.


Catering to trends like unicorns, and glitter is another aspect of Lime Crime products that their customers love. Do Deere believes that we live in an age of self-expression. She stresses importance of social media and it’s significant presence, and also how we are collectively beginning to realize that we don’t have to conform to society’s standards about beauty.


Do Deere believes that palettes tell stories. Her customers can always look forward to a new palette of colors, and the new, fresh stories they can quite literally wear… on their faces. When packaging her products she believes the outside is a reflection of what’s inside, and really aims at providing her customers with a packaging that they can be proud of, and feel good about buying. It doesn’t hurt that they look, and attract more customers because of their bold presence on sites like Instagram. Lime Crime is a big presence on social media sites, and they attribute a lot of their success to the popularity and accessibility of sites like Instagram.


Lime Crime has also branched into selling hair-dye products. Do Deere believes in expression on a lot of different levels, and does not limit her company on providing make-up products alone. Do Deere believes in being fear-less and experimenting with her make-up and hair-dye products. Her company Lime Crime is bold, fear-less, and a company to take notice of in the present, and future years to come.


Follow Doe Deere on twitter.

Sightsavers’ Valiant Fight Against Trachoma

Have you ever heard of an organization that’s known as Sightsavers? Well, if you haven’t heard about this phenomenal organization, then you’re not alone. Sightsavers may not be a household name, but it has provided invaluable services for people who suffer with eye issues. Some of the biggest news of year has just come out of Africa. The Ghanaian people of West Africa has been cleared of all trachoma issues. Yes, this is absolutely correct and Sightsavers has been the main contributing factor. Since the start of the millennium, this progressive organization has been working exclusively in Ghana. Did you know that there was a reported 2.8 million people in Ghana who were estimated of being at risk for this disease?

Sightsavers is very thorough, is very productive and is very efficient with its task. This charitable organization was founded by Sir John Wilson back in 1950. Back in the day, the organization was known as the British Empire Society for the Blind. Trachoma can be very painful as well as disheartening. The disease is basically referred to as a neglected-tropical disease, and it’s the leading cause of blindness via infection. There are many factors that must be in place for these conditions to take place, including a shortage of clean water, infestation of flies and improper sanitation. Unfortunately, these conditions seem to thrive in Ghana, but the disease is treatable. If left untreated, trachoma will cause blindness. Flies tend to carry the disease throughout villages. Since the disease is infectious, it can be spread by touch or can be spread by clothing/bedding.


Sightsavers has certainly done its job to the fullest. This extraordinary organization has definitely raised the bar much higher than it has ever been, and it has surely changed the status quo.

Payment Solutions Company PSI Pay Believes Contactless Payment Is The Future

In England, over half of purchases are made via credit cards, and this means that cashless payments may eventually dominate the market. This is especially since PSI Pay and Kerve Wearables have worked together to release a contactless payment ring.

PSI Pay, a payment solutions company, believes that contactless payments are the future. More stores in the UK are increasingly introducing contactless payments because it is one of the fastest methods to check out. Customers simply use their device to pay for their items.

In the UK, cards have overtaken notes and coins, which marks the first time this has ever happened. That being said, Kerve’s contactless payment ring is set to poise a serious threat to traditional transactions.

It’s worth pointing out that the Church of England has installed electronic collection terminals in dozens of churches. This is a sign they are embracing the trend. On that note, PSI Pay said the trend of contactless payments will eventually surpass the use of cash transactions.

About Contactless Payment

Contactless payment involves using debit cards, credit cards and smartcards to pay for products, items and services. PSI Pay is a payment solutions company, as previously mentioned, and they offers contactless payments. Kerv is affiliated with PSI Pay, and they have a proprietary ring that allows contactless payments to be made. The rings are durable and comfortable to wear, and they are available in 12 sizes. They are designed for both men and women.

The two companies have teamed up and as a result the ring is being brought to the international market. RFID tech is used, which means there is a layer of security for contactless payments. If a user wants to make a payment via this method, they simply tap their card or ring at the payment terminal.

The payment method requires no PIN, nor do users have to sign anything. However, there are limits to how many transactions they can make, as this is to protect them from unauthorized charges.