How Serge Belamant Created Blockchain Technology

Every sector in the world has a particular person or group that stands out. Almost everyone tends to remember the names of the people who have made a significant impact in their area of expertise. For instance, when it comes to cryptocurrency, the individuals credited for this innovation include Vitalik Buterin and Satoshi Nakamoto. Their innovation grabbed the attention of different investors across the world, making it a popular form of currency exchange on online platforms today. And just like the founders of cryptocurrency, Serge Belamant is also credited for the creation of the Blockchain Technology. He may not be a household name like famous inventors, Satoshi, or Vitalik, but his contribution to technology is just as significant as Facebook or Instagram.

Serge Belamant was born in Tulle in 1953. He lived in this place until he was 14 where he and his family immigrated to South Africa. It was in South Africa that he was able to learn how to speak fluent English. The immigration from Tulle to South Africa opened his mind, and it was at this stage, he realized that he was capable of more than he knew. This realization made it possible for him to succeed in not only his studies but other co-curricular activities as well. Some of the activities he was good at were rugby, athletics, and chess.

After he completed high school, he joined Witwatersrand university and studied computer systems, information systems, and engineering. But, after studying computers every day, he started taking an interest in information systems. His growing passion for information systems is what led him to discontinue his studies and eventually pursue it while studying under a different organization. Upon completing his course, Serge Belamant immediately began to work in different computer industries. Some of his responsibilities included the development of software and applications that enable banks to make withdrawals and deposits for their customers efficiently.

This was when the idea of blockchain technology was born. Using blockchain technology, financial service institutions have been able to come up with different innovations that make service delivery even more efficient. Serge Belamant may not be popular, but his creation is undoubtedly an innovation changing the world.

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HCR Wealth Advisors Shares Insight on Good Debt Versus Bad Debt

It is important to remain on top of your finances and take charge of the direction you’re taking financially. HCR Wealth Advisors have recognized the need for Americans to manage their finances better and accumulate wealth. The registered investment advisory firm based out of Los Angeles has highlighted some important issues to take note of in their Good Debt vs. Bad Debt article.

You can easily tell your net worth by ‘subtracting’ your liabilities from assets. Debts or liabilities are often overlooked as compared to assets. The way you use the funds borrowed determines whether the debt is referred to as bad or good. Therefore, debts can be powerful tools to influence your financial status.

The 28/36 rule demonstrates the appropriate levels of debt you should assume. Here is more clarification about the rule.

26/36 rule

On the lower side, you should strive to not spend more than 28% of your pretax household income in servicing your home debt. When talking about home debt, it refers to mortgage principal as well as interest, property taxes as well as homeowner’s insurance. On the other side, you should try not to spend more than 36% of your pretax household income in servicing all forms of debt, including home debt, interest, and principal on credit cards, auto loans, as well as any other debt.

Beyond this rule

Good debts are the debts that have the potential to brighten your financial future. HCR Wealth Advisors characterizes these debts as low cost debts with the potential for tax benefits, such as student loans and mortgages. The debt acquired to purchase a home can be good debt provided it sits on the 26/36 rule and it is affordable. Debt required to finance higher education can also be good debt because it should eventually enhance your career opportunities. In addition, for many people, the interest on these debts can be deducted from the homeowner’s or student’s tax return.

On the other hand, bad debts are characterized by a high cost with no potential for tax benefits. It is often incurred in the form of high-interest personal loans or credit cards. The loans are necessarily bad debts until you make discretionary purchases and fail to pay back in full.

HCR Wealth Advisors recommends paying attention to their liabilities as much as they do to assets.


HCR Wealth Advisors is not affiliated with this website.


 Dr. Ira Kirschenbaum Revolutionizing the Phases of Orthopedic Surgeries in the U.S

Dr. Ira Kirschenbaum is one of the few experienced orthopedic experts in the U.S. Apart from being a renowned orthopedic surgeon; he also plays an active role in public education on rapid advances in the medical field.

As the director of Orthopedics at Bronxcare Health System, Dr. Ira Kirschenbaum performs regularly surgeries on patients while working in cooperation with other orthopedic surgeons with specialization in this medical area.

With expertise in the field, Dr. Kirschenbaum is a graduate from Brown University with a medical degree from the Albert Einstein College of Medicine. He has also earned various credentials at the Philadelphia Rothman Institute. He underwent specialized training for joint replacement surgeries and is an active member of the multiple associations. Related to clinical topics, he also writes and lectures on related information technology, process re-engineering, and process management in the medical area.

Dr. Ira Kirschenbaum is a professional with in-depth knowledge and skills in performing less invasive surgical procedures. The surgery is gaining massive popularity thanks to its smaller incision and recovery time for patients. The smaller incisions tend to be easier in terms of medical personnel for management, thus safer for patients while reducing the risk of infection.

The technique was invented back in the 80s, and it has rapidly transformed with the computer-assisted surgeries.

As the head at the Orthopaedics Bronxcare Health System, his practice majorly specializes in joints, shoulder, bones with knee, hip replacement surgeries. He also specializes explicitly in correcting various problems born with patients while performing several operations on college, professional and high school sports players with the New York State.

Kirschenbaum also hails as the founder and executive director of Medasape Orthopedics, which is web-based. He is also fully accredited by all relevant boards, including organization and government agencies. In addition, he is a member of the Orthopedics Research Society.

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About Cyrus Moghadam

Cyrus Moghadam is a student at Stanford University where he also played as an attacker in the football team. He began his studies at Deerfield Academy in Deerfield, Massachusetts, in 2010 and later attended the University of Oxford at Brasenose College. In 2014, Cyrus Moghadam joined Stanford University in Stanford, California, pursuing a bachelor’s degree in History. It is in the university where he also played football as an attacker while in his junior year.

Cyrus Moghadam played 2015, 2017 and 2018 seasons against significant opponents in the tournament during his football career in the institution. While in the university, Cyrus Moghadam has attended different internship programs for the benefit of gaining experience in his field of study. Between July and August 2014, he served as a summer intern at Bridge33 Capital in Greater Seattle Area; and later in July 2015, he joined Seniorly in San Fransisco Bay Area. Read more about Cyrus Moghadam at Thrive Global.

On the July 2017 internship, Cyrus Moghadam returned to Bridge33 Capital as a summer analyst where he worked until September 2017. Presently, he still studies at Stanford University, and he also speaks fluent Spanish other than English. Between June 2012 and August 2012, he worked as a volunteer at Amigos de las Americas, disaster and Humanitarian organization in the rural Dominican Republic. Visit:

Todd Levine Esq.: A Hero Of Jurisprudence

A lawyer’s job is much more than multi-tasking. It is a balance of analytics, law, articulation, and research. It is a type of career, where one will be up around the clock, seeking a mystery clue that would solve a case. A clue that would prove a point. Todd Levine is that kind of an attorney. He is the type of lawyer, a mystery writer, would hire. He gets the facts, knows the strategies, and sets up the chess board.

Todd Levine has unparalleled experience. His expertise gives you genuine confidence. He is vested in litigation, not just to employ the law, but to use caution and caring for both sides of a dispute. This kind of character trait has made him a great negotiator, and arbiter. For these few reasons, and many others Kluger Kaplan is happy to have him as an award winning partner! As the British would say ” jolly good choice!” Yes, Todd Levine is a master of apologetics, in The Greek sense. He vigorously defends business disputes with integrity- not equivocation. Moreover, it is noteworthy to mention, Todd Levine has handled a plethora of cases which involve art, entertainment,real estate, sports, and finance. Remember, Levine is part of Kluger Kaplan a firm which has been honored by the Best Lawyers of America. That is the golden globe type of prestige for lawyers! Additionally, Kluger Kaplan is the cream of the crop for lawyers,furthermore; it operates a foundation to help the community.

Lastly, remember Todd Levine is more than a skilled lawyer. He has a tremendous interest in the arts. He is an accomplished musician on guitar and piano. This love of the arts has enabled him to solve complex cases in sports and entertainment. There is an old idea which says: One is better at an occupation, when one loves what one is doing! That is Mr. Levine! Mr. Levine earned his J.D. in Law from the Florida Levin School of Law. He holds a B.A.B.S. degree in Finance from the University of Miami. Hats off to Todd Levine, a hero of jurisprudence!

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Recent News about Isabel dos Santos

Isabel dos Santos is a successful business woman from Angola. She was born in 1 April 1973. Do you know who the first Africa’s billionaire woman was? Well, it was Isabel dos Santos. She also has a vast experience in leadership and owns a satellite television called ZAP.

In the recent news, ZAP made an announcement to reduce the prices of its services by june 1. Furthermore, it assures that the price will be reduced by up to 13 as of August 1. This deliberate action was taken because of agreement reached with INACOM which has a sole duty to end any dispute that occurs.

She is also the owner of the Urbinveste and Landscape companies. Recently she was accused of over invoicing in the scope of the work which was mainly about constructing the Marginal da Corimba in Luanda. She responded to the claims that were made about her saying the accusations lack transparency and they are false and unfounded.

Apparently the woman entrepreneur regrets that one of her companies, Urbinveste, is the only company to go out of the original consortium of construction of a brand Marginal in the capital of the country. She rejected the grounds represented by the Executive.

In 2009. She received 125 million euros as a loan from CaixaGeral de Depositos. She says that out of the 125 million euros, 60% has been amortized, the rest of the payments are current. But the loan was granted for the acquisition of shares only in a company called NOS as it was written in the Portuguese newspaper.

The loan was given up to a period of seven years according to the daily. This was to be done with a three-year fund shortage and payment of interest at the six-month Euribor rate. The guarantors are to cooperate in order to repay the loan.

In conclusion, Isabel dos Santos has passed through a lot in her life. The article shows about the challenges faced in the life if doing business. Isabel dos Santos remains to be a successful business woman in Africa.

Isabel dos Santos’s: Youtube.

For Peter Briger, Success Did Not Come Easy

Peter Briger, who is the Co-Chairman of the board of directors and a principal at the Fortress Investment Group, has had quite an exciting career in finance. After graduating from Princeton University as part of the class of ’86, he joined Goldman Sachs. He would work with them for the next fifteen years and during this time not only did he rise through the ranks, join numerous committees but he also got his M.BA. from the Wharton School of Business.

As part of his career growth strategy while at Goldman Sachs, Peter Briger decided to focus on the Asian Market at a time when it was experiencing phenomenal growth. This growth was being driven by a manufacturing and real estate boom and what better way to capitalize on it than invest in those two areas. As a result, Peter Briger would join the Japan Executive committee, the Asian Management, and the Committee on Global Control and Compliance. This experience would prove vital for Peter Briger in his new position at Fortress.

After five years of successful growth, The Fortress Investment Group realized they needed to expand their investment portfolio. They had successfully grown from an initial four hundred million dollars’ worth of assets under management to three billion. One of the best ways to continue this growth was through the establishment of a credit division at Fortress. At this point, the principals at the time headhunted Peter Briger, and within the year he was able to set up a credit division in San Fransisco where it is headquartered to date.

Briger has been able to glow the same, and today, it is the most valuable division within the group, having made investments worth more than one hundred billion dollars. He would also lead the group’s IPO when it listed on the New York Stock Exchange. His unique position, having worked with Goldman Sachs before helped smoothen the process as they were the underwriters. He would also be tapped in to help the group once again when SoftBank came calling. Today, even as Fortress Returns to private hands, Briger will continue to hold his position while assisting them to continue to grow given the new investment injected into the group.

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Laser Hair Removal Performed By The Expertise Of Dr. Jennifer Walden Is Great News For Residents Of NYC:

The Skintology MedSpa is the creation of one of the cosmetic and plastic surgery field’s most respected individuals, Dr. Jennifer Walden. She created the Skintology MedSpa as a way to offer oustanding solutions to women and men as far as hair removal solutions. Dr. Jennifer Walden is also an expert at dealing with the different areas of the body that men and women generally want hair removal done on. For women, this tends to be areas such as the lips, chin, legs and underarms while men tend to want hair removal on areas such as the chest and back. Dr. Walden has come to view laser hair removal methods as being among the most effective when it comes to ridding a patient’s body of unwanted body hair.

The removal process that Dr. Jennifer Walden makes use of at the Skintology MedSpa is a process that involves the utilization of energy combined with laser light. This has consistently shown to be an effective way to get rid of hair that the patient does not want growing on their body. It is an outstanding alternative to constant waxing and shaving or other methods of hair removal and has been highly effective for both the men and the women that Dr. Jennifer Walden treats. The laser treatment focuses on active growth stage hair follicles.

One of the best things about Dr. Jennifer Walden’s laser hair removal therapies at the Skintology MedSpa is the fact that they can be utilized by people with all types of skin colors and tones. In the past, this was an issue and the method was only really effective on people with dark hair growing out of light skin, but there have been advances that have helped to ensure that the method is now effective for patients with any skin color. This is great news for the patients of Dr. Jennifer Walden. Over the course of her career, she has always been known as a doctor who takes great pride in providing high-quality treatments to her patients and helping them to improve their self images.

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A Recent Interview With Luke Lazarus

Luke Lazarus is a business consultant with a lot experience. He has helped many startups define and redefine their business strategies and goals to get to the top of their industries. He graduated from the Melbourne Business School at the age of 24 and at 33, he has started and sold 4 successful firms. Here is the recap of his recent interview.

How he makes a typical day productive

Lazarus starts his day with a few minutes of meditation to clear his head and relieve stress after which he checks his emails and takes a cup of coffee simultaneously. He walks his dog and hits the gym, which he does every single day.

In the midst of all these, he still makes his daily to-do lists mentally and strives to achieve them. This includes his plans for business.

How he creates and implements ideas

Lazarus believes that wrapping a story around your products or services will help attach consumers’ emotions to your brand. So, he creates business ideas mostly from his personal problems whose solutions also work for the marketplace.

A particular trend that excites Mr. Lazarus

To him, the most exciting trend in the corporate world is that customers no longer base their choice on only quality. They also look for brands whose stories align with theirs. Fortunately, many brands have discovered this and they are leveraging it big time. Read more: Luke Lazarus| Medium and Luke Lazarus –
His most productive habit

He records everything –jotting in his notebook, on his phone, or using other means. These notes serve as reminders for him and they help him prioritize the items on his to-do lists.

The advice he would give to his younger self

Luke Lazarus would have loved to worry less and focus more. Most of the things people worry about never happen. Worrying hinders productivity. So, he advises people to worry less.

One of his controversial opinions

He believes that luck and network are critical indicators of success.

One advice for entrepreneurs from him

He believes in himself and in his success and it has always worked for him. So, you should also believe in yourself.

One of his success strategies

He believes every project should revolve around a good story and he has always created a story or refined old one for all the projects he took.

One failure he encountered

Lazarus started a business with a friend who had different ideas on the brand story and initial plans for the business. These differences delayed the execution of the business. Because of that, he may hesitate to start a new business with someone he loves.
One business idea for readers

Lazarus feels that there is business in simplifying healthcare. People should be able to order medical care and also get prescription drugs with the same convenience they order UBER.

The best $100 he recently spent

He believes that taking existing or potential clients out for lunch is one of the best investments as he has gotten a lot of projects with the gesture.

The software and web service that help him to be productive

He makes use of Google Calendar, Gmail, Slides, Sheets, Google Docs, and UBER regularly.

The book he recommends

Luke Lazarus wants entrepreneurs to read “Why” authored by Simon Sinek.

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Unwavering Support and Understanding Sets Herdsman Apart

Entrepreneur and successful businessman Paul Herdsman works as COO of a Jamaican based nearshore customer service company, Nice Global. In an in-depth article from, the business guru provides his experiences and knowledge that have catapulted him and his company to success.

Herdsman believes that his success is largely credited to his personnel that work with him at Nice Global. Because of that he always aims to provide unwavering support and understanding to his colleagues. He believes that this allows his employees to not have a limit on what they can offer and achieve at the company. He prides himself on the relationship that he has with his employees and believes that unlike most employers, he provides a strong relationship that enables growth and ensures employee retention.

In order to make sure employees are on board with Herdsman and Nice Global’s ideologies, the company provides employees with extensive training. Employees are cost-trained to ensure that all staff are fully equipped to provide optimum service and to prepare themselves to take on any growth opportunities within the company.

Herdsman started Nice Global in 2013. The company provides human resources, customer service, technical support services, inbound sales, data entry, and live chat services to its clients. Although these services are done through his company’s outsourcing programs, Nice Global utilizes Herdsman’s years of expertise and success in making sure that stellar service is delivered.

While Paul Herdsman’s Nice Global is a young company there are plans already underway for expansion. Hersdman and his team are looking at second location in Jamaica, as well as considering expansion into another country.

Paul Herdsman’s: Twitter.