PSI-Pay and Digital Wallets

It’s common place for transfers to and from a traditional bank account can take hours, if not days to complete. The days of the old or on their way out, thanks to Digital wallets. In Europe, Digital Wallets allow consumers to carry multiple types of currencies, including cryptocurrency, in business since 2007. At the blink of an eye, thanks the speed in which the technology dealing with Digital wallet function. Customer can link credit or debit cards to their wallets, to withdraw cash from ATMs or they can pay directly with their wallet.


Digital wallets comes in many different forms, some are completely software based. PayPal is a prime example. They can also possess a physical component such as the Kerv Ring in partnership with PSI-Pay. Transaction in store are then performed quickly, securely and conveniently. Customers no longer have e to carry a number of card, and instead, their smartphone or wearable of choice suffices.


In the United State, Digital Wallets are more often found in our phones or smart watches. They offer many if the same benefits of what’s found in Europe, but their are difference.


Europe’s Digital Waller makes it possible to only have a Digital a Wallet, where they act like a checking account, but without the regulation. There are basic practices in place, but they are more common practices among fintech. Digital wallets in the United States, however, are more extension of an actual checking account with a regulated financial institution.


With their differences aside, the overal industry is expanding. PSI-Pay, in 2015, reported their best quarter with volume up 30%, and it hasn’t slowed since. This fact would mean that PSI-Pay and its partners are on their way to playing a big role in a growing space. EcoPayz, another PSI-Pay partner, brings over 10 years of experience when it comes to fintech and cryptocurrency.


The only problem, at least in the United States, is adoption among retailers to incorporate contactless POS equipment into their stores. In Europe more places support it, because it’s seen as a way to safeguard against retail data breaches. Something consumers are gravitating towards in their preference of payment methods.


A summary of: Intellectual Property in the Digital Age, with Kamil Idris on the pitfalls of Globalization

Dr. Kamil Idris, is the former director of the WIPO in Geneva, Switzerland. He believes that globalization drives exports, making it a key process in the modern world. During this time, however, the amount of patents has grown. This has opened new doors centered on counterfeiting and piracy, and is reshaping how countries may look at affairs. The majority of countries have benefited from patent protection, but developing countries, mainly in Africa, have fallen behind. Dr. Idris believes the way to stop this gap is tailoring intellectual property protections. The Dr. brought this to attention of the world via Intellectual Property Day on April 26th.

In the article titled Intellectual Property in the Digital Age, with Kamil Idris on the pitfalls of Globalization by Heidi Harris, the author discusses the issue of globalization in the age of technology. The author argues that globalization is changing the rules of international affairs; it allows for innovation but also has created many grey areas around the ownership of ideas. Intellectual property is an important to protect the changing innovation, but has also created disparity between the wealthier countries that can afford more patents, and developing countries that may be left behind. Some countries have more resources, allowing them to get ahead in the intellectual property domain.

The World Trade Organization has recognized the need for reform and is looking at ways to change current agreements to protect intellectual property more than before. The WIPO copyright treaty was created during the Berne Convention in 1887, and has served as a framework for protections in science, literature, and art. This agreement states that every country that signs it has an obligation to protection all intellectual property, and will likely need reform for the changing field. The Agreement of Trade-Related Aspects of Intellectual Property has also looked to tackle this, as it is called the most comprehensive multilateral agreement to date. However, the author argues that laws and agreements need to be created that will not only protect Intellectual Property, but create safety nets, as technology may begin to change how we look at politics.


Jose Hawilla: Learning About Highly Successful Entrepreneurs

Are you planning to start investing, or do you want to establish your own business? Want to learn how successful people handle business situations and reach the success they desire? Maybe you are interested in finding out what you need to do when setbacks occur. Study Jose Hawilla and how he handles business and related matters and you will know what to do at any stage.


Achieving success is not easy but it can be done if you follow a proven path. It is important to research profitable businesses and the entrepreneurs that built them. Not everyone can handle the process of establishing a highly successful enterprise. Rather than wait success, Jose Hawilla takes whatever step is necessary to facilitate the process and get things moving.


It takes courage, perseverance and passion for the industry for you to be able to overcome obstacles and reach your goal. If you want to be your own boss, of if you want to build a highly successful enterprise, it is advisable to check out Hawilla – a renowned entrepreneur and one of the most respected businessmen in Brazil.


There are many people who have achieved great success in business but Jose Hawilla is one of the leaders in the industry. Jose Hawilla has built many businesses and his aim is to fill a need in the marketplace. Jose Hawilla takes the time to find out what the market is lacking, or needs, and then assembles his team to come up with the right solution. Check out



Jose Hawilla strives to meet the needs of consumers and he has been very successful at what he does. Numerous entrepreneurs and ambitious individuals turn to Jose Hawilla for top notch advice and guidance.




Jose Hawilla is a highly sought after business mentor and he is passionate about providing help to those that need it. He encourages entrepreneurs to learn from their failure and then come up with a better plan to reach their goal. Jose Hawilla encourages beginning entrepreneurs to immerse themselves into positive environments and have the right team on their side.



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For Ronald Fowlkes, His Military and Police Career Gave Him The Tools To Translate Into His Life Coaching Young Hockey Players

Ronald Fowlkes is a businessman from St. Louis, Missouri. He works for the Fenton, Missouri tactical gear company Eagle Industries Unlimited. Ronald’s position with the company is as Business Development Manager. In this capacity, Ronald works with a large customer base that Eagle Industries maintains and he also does the training for the company’s sales representatives. Eagle Industries has been around for over 30 years now and it is an industry leader in tactical gear for the police sector, military sector and sporting sector. The reason that Ronald Fowlkes is such a perfect fit for this position is that he had a long career prior to selling tactical equipment. Ronald joined the Marines immediately after graduating high school because he was passionate about serving his country. He served in the Gulf War and was twice promoted on merit while in the Corps. After he left the Marines, Ronald Fowlkes entered the field of law enforcement. He spent a total of 13 years as a police officer. This time was spent between the St. Louis County Police Department and the St. Louis Metropolitan Police Department.


Ronald Fowlkes is also passionate about giving back to his community. In recent years he has found a great way to give back while doing something he loves. Ronald Fowlkes is the off ice trainer and equipment man for the Triple-A team of the St. Louis Blues. Hockey is a sport Ronald has been passionate about for his entire life. For Ronald Fowlkes mentoring is more than just giving back. In his work in the tactical gear field, he helps out soldiers and peacekeepers around the world. Ronald’s own military and police experiences are where he gained all of his knowledge about tactical equipment. In his equipment man role with the hockey club, Ronald loves teaching his students the importance of taking care of their gear. He stresses to them that “well-maintained equipment can sometimes be a deciding factor between winning and losing…” The truth is that in Ronald’s past experience, it could also sometimes be the difference between life and death.


Ronald loves bringing all his past experiences into his work training the hockey team. He is a hockey lover himself and loves helping to make the team’s players the fittest that they can be. This has the benefit of making them better players for their coaches. Ronald is an expert in physical training due to his time in the Marine Special Ops and the Army Parachute School. He relishes the opportunity to pass on his knowledge to the next generation of Americans. It is a nice side bonus that Ronald’s son is a member of the hockey club as well. Ronald is well known for being a devoted family man.


What You Should Know About The Oxford Club

William “Bill” Bonner helped to co-found The Oxford Club as a way to get investor groups together to connect with each other and discuss rare business investment opportunities. The Oxford Club was meant to promote investment opportunities through a personal connection, and not through the use of the mass media or investment brokers on Wall Street.

CEO, Julia Guth is the top executive in charge at Oxford Club. Guth with a team that is well versed in marketing and sales, customer service, operations, and research and publishing. The Oxford Club also hires investment strategists who are experts in asset classes, income investing (dividends and bonds), stocks and private equity, options trading and cryptocurrency purchasing.

The Oxford Club seeks to find investment opportunities with high gain, yet low-risk potentials. There are Oxford Club members located in 130 countries. The Oxford Club notes that it has 157 thousand current members.

The Oxford Club functions under a key investment mantra. The Oxford Club’s primary investment newsletter, The Communique delivers significant insights and important research. The Communique is issued twice a month, which means there are plenty of opportunities for the savvy investor to make money.

Investment U, which is a branch of the Oxford Club, was hatched in 1999. Investment U provides one of the primary financial education websites on the Internet. Investment U Daily is a free e-letter for members to utilize and learn essential investment strategies, vital information, and more. Investment U offers courses, videos, conferences, and other resources to help people become financially free through wealth building.

With the Oxford Club, there are three different memberships level available:

Premier Membership: These are for individuals who have subscribed to paid publications, at the introductory level. This membership renews on a yearly basis. The Director’s Circle Membership: This is for lifetime members. At this membership level, a member’s family can be a part of the Oxford Club. The Chairman’s Circle Membership: The top level at the Oxford Club, members receive access to the website as well as lifetime access to all of the publications offered.

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Sheldon Lavin’s OSI Group is leading the way in Food Stability for the World

The mission of OSI Group is quite simply to provide food solutions for the world. Many of the world’s population still suffer from food insecurity and accessibility to food resources. As the world’s premier food provider OSI Group has the innovative technology to resolve food issues. OSI Group works with food processing organizations to provide food supply chain expertise.

Financial resources are Sheldon Lavin’s domain. It does take a lot of financial resources to maintain food supply chains and research new technologies in food science. Lavin understands that his employees’ motivation in performing necessary tasks is monetary. He compensates them generously for their hard work in creating new avenues for food processing. Lavin also gets behind new technologies to enhance the food supply.

Food stability is a big concern for OSI Group. The food supply chain relies on food resources. Lavin encourages his employees to think outside the box in regards to food stability. The fact that Lavin received the 2016 Global Visionary Award from India’s Vision World Academy shows that OSI’s innovative food solutions have caught the attention of the world. Lavin embraces the future of food processing and has a good understanding of what it is going to take to maintain food stability.

Lavin’s team of food experts provide a wide range of food solutions to companies worldwide. Lavin’s philosophy is honest and he practices integrity in everything he does. OSI Group has helped thousands of organizations realize potential resources that benefit customers worldwide.

OSI Group’s development and analysis of food supply chains are one of the reasons why many companies turn to them for innovative food solutions. Lavin credits his employees for the excellent feedback received from those companies. His encouragement and dedication towards helping his employees succeed are well documented. When his employees succeed, his company succeeds.

Lavin has made long-lasting investments in his employees by providing them with the latest technology and allowing them to research new ways to process food. Lavin is humble enough to acknowledge his employees’ input and ideas to improve the company’s operations. He is also humble enough to be open to innovative and creative changes in the way the company operates. He believes that he learns a lot from both his employees and his colleagues in the business.

At the end of the day, food stability benefits everyone.Lavin is proud of the work OSI Group is doing to achieve this goal.

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HCR Wealth Advisors Offers Dynamic Wealth Advisory Services

Without a doubt, market pullbacks are unnerving. This phase is typically capitalized with a series of falling prices. Moreover, the price movements may be seen as reversals of the original trend. Therefore, investors must work with their financial advisors to make plans that address pullbacks in light of informed perspective and not emotions. All too often, pullbacks are viewed as a purchasing opportunity.

Background Data

2017 was one of the least volatile years in history, with the largest pullback in stocks only -3%. Historically, the stock market has typically experienced pullbacks encompassing double digits. The question on the minds of many is whether 2018 will be more volatile.

The Future of Pullbacks

Given historical levels, the answer is likely no. The catalyst for a larger pullback is difficult to predict. It could be a rise in bond yields or a policy shift in China. Perhaps it will be a geopolitical event.

HCR Wealth Advisors

HCR Wealth Advisors is a registered investment advisory firm. Its primary mission is creating strong working relationships with its clients and helping them develop individualized financial plans tailored to their needs and goals. @HCRwealth is on Facebook. Contact them today.

HCR Wealth Advisors is not affiliated with this website.

See Why The Elderly Call Sussex Healthcare Their Home

The need to care for the elderly has increased today and it is not decreasing any time soon. It is a good thing to give the elderly the care they need, and at the pace they want. Although there are many companies coming up to offer elderly care, most of them are unable to match the expected quality, and this doesn’t go well with them.

Nonetheless, Sussex Healthcare has managed to overcome all these hurdles. It has become one of the top-rated organizations when it comes to offering the needs of the elderly and other adults. The company is known to offer specialized services to the elderly for quite some time now.

Sussex Healthcare is known to provide most of its services to the people who live on the England southern coast. This organization has two people who act as the chairmen. They include Shafik Sachedina and Shiraz Boghani. They have divergent backgrounds and skills that have brought this company this far. Every progressive organization you see today has great skills and competent leadership behind it. Sachedina has a vast medical background while Boghani is well conversant with hotel management. They have both worked in their respective backgrounds for decades, and the experience they have attained is working well for Sussex Healthcare.

This adult care network was opened in 1985. It is encouraging that the company has been able to bring forth some other 20 facilities under its umbrella. Many people know Sussex Healthcare due to its enthusiastic commitment to giving the old people with Alzheimer’s disease and dementia the healthcare they need. However, this is not all this organization does. It also operates some facilities that help the young people with certain cognitive issues and neurological disabilities. Sussex Healthcare accommodates individuals who have more limited needs and those whose needs require extensive care.

The staff members working in this organization are good at their work. They have the needed skills to ensure the elderly and those in need of their services have all the comfort they need. The kind of training the employees in Sussex Healthcare undergo has earned this company a great name. Most of the elderly people you find at Sussex Healthcare consider it their home. Sussex Healthcare has a good management system that ensures that the competitive compensation, continuing education, and training are great. This organization believes all those who come for its services have access and right to recreational, social, and leisure activities. The meals the elderly get in this place are not only adequate but also nutritious.


Jordan Lindsey Massive Success in Bitcoin

Jordan Lindsey is the founder of Bitcoin Growth Bot and JCL Capital. Lindsey is the CEO of Try Information and Vice President of Maximum Capital Management INC. He was born and brought here to New York. He played tennis and ice hockey in his teenage years. What made Lindsey different from other children has he had an entrepreneur mind. He looked up business opportunities to make the things better and could change the world. He went to school at Mount Angel Seminary and the St. Joseph College.

He moves to the San Francisco Bay area. He has professional skills in Asset Management, Equities, and Blockchain Technology. His current Forex Trends are: Arbitrate-which is the first thing to keep eyes constantly on the trend and must study it on a different time interval so that is the exact ideas of the trend could be understood. The next one is Planning the Entry-the most important step was different from the massive success or failure. The last trend is Mounting your Target- which set the target to a prior in advance and it could end in a decisive result most of the time. Forex is an online trading company with over 1.429 billion in assets. He began creating foreign trade algorithms and he saw an opportunities to initiate algorithms for the cryptocurrency. He wanted to supply and demand.

Lindsey was a self-taught programmer who offers his Bitcoin Growth to the trading community. He experienced in algotrader and a leader in Finance and Technology Industries. The Nucleus Token released in Q3 2017 resulted in a successful crowd sale. The great things about a successful person in public is that if they make a mistake on some of the products and they can correct the mistake at the same time to keep the trading community satisfied. Lindsey learns to trust and keep fiction being with others. You can make a huge profit from investing in Bitcoin and using these platforms. Bitcoin has not only become a way to make money, but many people use it to earn a living and take care of their families.

HCR Wealth Advisors: Alleviating the Burden for the “Sandwich Generation”

More and more people are seeking the help of financial advisors like HCR Wealth Advisors. There are many reasons to seek the professional help of registered investment advisory firms. And HCR Wealth Advisors does more than support your standard retiree or investment client. In fact, the “Sandwich Generation” is in need of financial support more than ever before.

The “Sandwich Generation” is considered to be a group of people in their 30’s to 50’s that experience financial pressure from both supporting their own children and supporting their parents as they age. Not only is this generation supporting two groups of people, but they must also worry about their own future and retirement. They can feel extra financial burdens that may not be experienced by others, but there are ways to alleviate that pressure.

With the help of reputable advisory firms like @HCRwealth, the “Sandwich Generation” can prepare for their future and better-handle current finances. For more than 25 years, HCR Wealth Advisors have been establishing relationships through education, trust, and service, while developing strategies to help their clients reach their financial goals.

For this select group of “Sandwichers,” wealth advisors can help direct finances where they need to go. HCR Wealth Advisors suggests putting your retirement first. It is essential to continue to put money away, even when it feels like it is impossible. At minimum, you should try to contribute as much as your company is matching for your retirement account, so you’re not leaving behind any free money.

To prepare for college-aged kids or adult-aged children coming back home, you should consider putting money away into tax-advantaged accounts, to help minimize the impact of possible student loans. If you need to take in parents or other elderly relatives, be sure to understand what they need from you in regard to finances and health care. This includes having an understanding of their financial situation, health, resources, and long-term outcomes.

HCR Wealth Advisors consists of a team of independent advisors that serve the best interests of their clients, no matter their financial situation. Finding the right financial and educational support should be a priority to everyone.

HCR Wealth Advisors is not affiliated with this website.