Ricardo Guimaraes and the Banco BMG Blueprint.

Banco BMG is the leading payroll and personal loan provider in Brazil. The bank enjoys a rich heritage that dates back eight decades ago when Pentagna Guimaraes stated the Land Credit Bank.


The bank thrives under the skillful administration of Ricardo Guimaraes, who seem to have breathed a new lease of life into the firm since taking over in 1998. In fact, the bank assumes most of the traits associated with its CEO such as the love for sports and social development. BMG became the leading loan provider in Brazil after an overhaul of its administrative and service delivery structure.


Ricardo Guimaraes knew the growing demand for consigned credit in a growing Brazilian population needed to be met. He introduced low-interest rates to a good number of non-defaulters, and the bank grew its clientele. Also, Guimaraes reduced administration costs by contracting banking agents around the country to represent Banco BMG. Such moves earned him the respect of other professionals in the industry.


Today, BMG has reached the pinnacles but is aiming even higher. A few years ago, an agreement was signed with Itau Unibanco for the formation of a joint venture to increase the payroll loans. The move was lauded for its potential to bring in more clients while taking advantage of existing infrastructure. The move also comes at the right time judging by the volatility of markets and the resulting need for diversification.


The bank has also adjusted its administrative structure once more. This time, the system of administration through the controlling family has been opted out for professionals to come in. The representatives of the Guimaraes family take up positions on the board of directors’ panel with their posts given to industry experts. Ricardo Guimaraes, for instance, gives up his position to Antonio Hermann. The incoming CEO expressed his confidence that BMG can continue being a leader in consigned credit and push its trajectory even higher. This administrative shake-up sees a new era for Banco BMG that stakeholders and clients can look forward.


Elsewhere, Ricardo’s reputation remains intact. The sports marketing strategy adopted by the veteran manager continues to give the firm phenomenal success. It’s expected Guimaraes will have an enormous influence on the direction BMG takes as he sits on the board. The tag of being the largest sponsor of talent and events is likely to continue. Ricardo’s passion for sports goes way back. The same passion led him to the management of a club like Atletico Mineiro a decade ago. Before he took over, the football club had financial problems. Ricardo financed the club from his pocket and led it through a successful five-year period.

George Soros Warns of Crisis This Year in Global Markets Similar to 2008

At a recent forum in Sri Lanka, George Soros warned investors on Fool.com to be very careful in the coming year because global markets are in a crisis.

The stock, commodity and currency markets were shaky early in January due to China’s economic struggles and the devaluation of the yuan.

According to Soros, “China has a major adjustment problem. I would say that it amounts to a crisis. When I look at the financial markets there is a serious challenge which reminds me of the crisis we had in 2008.” Global markets are in a position to be volatile due also to oil prices continuing to sink, plus Europe, the United States and Japan have huge government debt.

Indices that measure volatility in markets in various countries are rising sharply. The Chicago Board Option Exchange is up 13%, the Nikkei Stock Average Index has jumped 43% and Merrill Lynch’s anticipated price swing index in treasury bonds is up 5.7%.

George Soros has a solid record of predicting the ups and downs of the market, second only to Warren Buffett’s. However, he says, “The financial markets are generally unpredictable. So that one has to have different scenarios … The idea that you can actually predict what’s going to happen contradicts my way of looking at the market.” He believes irrational behavior by investors governs the markets and that’s a poor indication of real value. The prices of securities and currencies are based on the people who buy and sell them, and these people often act on their emotions, not their reasoning.

Soros is one of the world’s most successful investors, having a net worth of $24.5 billion as of November 30, 2015. He is the founder of Soros Fund Management, LLC, which he will turn over to his son, Robert, this year.

The New Healthy Dog Food

The dog food industry is a growing industry that has a current net worth of 23.7 billion dollars that is exponentially growing at a fast rate. As the dog food industry is expanding, more and more local and small businesses are finding new niches to fit themselves in. One niche in particular that is growing in popularity is the niche of healthy and wholesome dog food. Dog food brands are now finding the importance in providing fresh ingredients to their loved dogs.

One company owner in particular named Richard Thompson has entered the healthy food business with the intent of giving both dogs and their owners a healthy diet that will keep improve any dog’s life. Richard Thompson is the owner of a small gourmet dog food manufacturer on beneful.com that has emphasized the importance of healthy ingredients. Mr. Thompson has even commented on the fact that his dog food has a short shelf life because of how fresh each ingredient is.

The new idea behind presenting dog food is to provide food to the dogs that does not have an odorous smell that most canned dog food has. Instead, the intent is to provided food for the dogs that follows the initiative that the dog should eat like their owner. 

One brand name in particular who has grown a healthy dog food brand is Beneful. This company, in the last decade, has created multiple products and campaigns that emphasize the importance of eating healthy. The products that Beneful even produces create healthy and wholesome opportunities for each and every dog.

The products that are produced by Beneful include the dry dog food, the wet dog food, and the dog treats. Of all the products that are produced by Beneful on beneful.com, the wet dog food is by far the most popular product. Each can of Beneful wet dog food contains a variety of proteins and fresh ingredients that are combined to create delicious varieties of wholesome meals. The proteins that Beneful uses is chosen from lamb, beef, pork, and chicken. These proteins are then combined with fresh ingredients such as barley, rice, carrots, and green beans to make the most delicious meal. 

Premium Dog Food Sales Are Soaring

Premium dog food sales are soaring around America with the advent of new technology that helps keep dogs healthy. New scientific studies show that dogs must eat more than meat to remain healthy, and the Purina Beneful brand has been creating healthy food for dogs for some time. This article explains how new premium dog foods are created, and the ingredients shown are becoming more popular by the day.
#1: Beneful Uses Unique Ingredients Beneful has become known for using unique ingredients in its food, and the brand creates entrees for dogs that have foods often interesting to humans. Items such as corn, wheat and peas are mixed with meat products that create a full meal for dogs. Beneful creates full courses for dogs that are even hidden inside small dog treats. Their commitment to quality is beyond any other company in the industry.
#2: Why Are Sales Soaring? Sales of premium dog food are soaring due to the intense for better nutrition for dogs. Americans are taking better care of their dogs than ever before, and Americans may research healthy meals for their dogs online. The consumer who chooses to purchase premium dog food is making a healthy choice for their pet, and each choice is made based on solid research.
#3: Beneful Is The Most Notable Purina store Brand Beneful has been the most notable premium brand of dog food for over a decade, and the Beneful brand continues to increase its offerings for pets. Dogs and their owners were recently featured in a commercial for the company, and pet owners have become accustomed to the Beneful name when shopping at the supermarket. There is no more trusted name today in dog food than Beneful.
The Beneful brand has produced a massive catalog of foods that dogs will love, and their commitment to excellence has inspired other companies to produce premium dog food. Premium dog food sales are rising an unprecedented rates, and the Beneful brand is reaping the rewards of its commitment to quality. Dogs are healthier than ever before when eating food created with science at its core.

Automaker Stocks Have Always Weathered Scandals Says Marcio Alaor


When people ask Marcio Alaor what type of stock they should add to their investment portfolio to bet on steady but always profitable stocks, he tells them to invest in the automobile industry. All his clients receive the benefit of his vast knowledge of the auto industry, including all the different manufacturers across the world.

Marcio Alaor BMG is the CEO of the South American bank: Banco BMG. He teaches the importance of taking a company public in order to raise large amounts of capital quickly. Launching an IPO (Initial Public Offering) enables the company to grow enough to become a dominating force in that company’s industry. As an example, he points out that General Motors (GM) went public with an IPO a hundred years ago, in 1915. The capital raised supported the growth of GM from just another fledgling car company, which had been struggling to follow in Ford Motor Company’s tire treads, to the number one automaker in the world. GM’s assets are valued at more than $54 billion USD.

By contrast, Henry Ford fought his own people to keep his company, the first one and at one time the most successful, from ever going public. Consequently, Ford lagged behind and did not launch an IPO until 1956, by Henry Ford’s son. Ford Motor Corporation is still the number 2 auto maker, and at times has been number 3. Mr. Alaor points out that the IPO is very important to a company’s growth and viability and also presents a “win-win” for both the company and John Q. Public. This is because when a private person owns a little piece of a big corporation, they have a vested interest in promoting that company. The company wins by having access to a quickly-growing pile of much needed capital. Read this article for more about Marcio Alaor’s bullish stance on automakers.

There are many great investment inroads with automakers, despite the media’s sensationalized hype about minor technicalities, such as happened in the Volkswagen scandal. Mr. Alaor says these are aberrations that do not negatively affect automaker stock values in the long term. Investors look at the product quality and overall value, which is little affected by some emissions sensor miss-calibrations.

Madison Street Capital Financial Advisory

Madison Street Capital offers their corporate financial advisory services to both public and private businesses internationally which means that they are a banking firm that is prepared to handle international investments. Madison Street Capital shows a high commitment to a quality standard of service that promises a dedication to administration, virtue, and supremacy. Among the services mentioned, Madison Street Capital offers estimations of worth, specifically the expertise of the worth of companies assets and tax compliance, they also offer services in financial and economic advice, capital restructuring, reorganization services of very complicated financial and economical situations, ESOP advisory, buy out advisory, and many more services.
Madison Street Capital has an annual revenue of $130,000 and they only employ a staff of two people. This small hive of busy financial worker bees is actually still very young, establishing only in 2011. Being young however should not present a lack in experience, with the prior understanding of such a diverse range of industries Madison Street Capital is more than prepared to continue in growth within the world of corporate financial assistance today.
Madison Street Capital is very community oriented and they are concerned with recent disasters that alter the personalities and livelihoods within the community at devastating levels. Madison Street Capital participates in raising awareness by referencing the United Way Disaster Relief Efforts and they would genuinely like to make a difference during times of these detrimental disasters and help the community that they care so much about.
Within the three continents of North America, Asia, and Africa, Madison Street Capital means big business but the compassion they show to the community will allow them to step away from corporate behemoths in the future. A company that takes care of it’s community is taken care by it’s community. Rapid growth should be in their future.

Lime Crime Creates Bold and Expressive Cosmetics

Some people use make up as a way to cover flaws and enhance what they like about their features. However, many women like to use their make-up in a bolder way. They like using their make-up like art to express who they are. Lime Crime is the perfect make-up line for those who like expressive and unique make-up colors.

Lime Crime is the dream and creation of its owner, Doe Deere. Doe was born in Russia but she was raised in NY City. She started the company in 2008 with very little money but a lot of passion. Because she started small but with big dreams, she encourages others to not “quit their daydream,” too.

As a matter of fact, she is a huge supporter of women who desire to start their own businesses and frequently gives talks and mentors women in order to help them achieve their goals. She speaks about trusting your instinct when in business and letting it be your guide. She regularly encourages women entrepreneurs by participating in events such as the PHAMExpo.

One of Doe’s guiding passions is her love for animals. Not only does she give regularly to a shelter and own rescue cats, she also refuses to test her products on animals. In accordance with her care for animals, all Lime Crime products are cruelty-free and vegan.

Doe is a former rock band member and beauty blogger. She brings an adventurous attitude and interest in beauty products to her cosmetics. You can see that intense spirit represented all throughout her line. Some of her lip colors have names like Riot and Trouble, and they are definitely daring. However, there are softer colors such as Cashmere and Coquette for days when you are feeling more demure.

Lime Crime has recently partnered with Urban Outfitters where they will be launching a new lipstick called Eraser. Additionally, they will soon be coming out with a line of hair color which promises to be just as creative as their make-up. They even offer a feature on their website called Hairspiration. Here, customers can find make-up colors that will complement various hair colors and Instagram photos from Lime Crime customers showing off their creations.

Lime Crime is an exciting brand with colors for those who love beauty products that are artistic and unique. There’s truly something for everyone from those who like bright and bold to those like a softer look. With new products and a hair color line coming out, they are definitely a company to watch.

Who Is Yeonmi Park And What Is Her Latest Book About

 Yeonmi Park has a new book out and it’s called In Order to Live: A North Korean Girl’s Journey to Freedom. Here is some information about the book and about Park and her story. About Park’s Book Park’s book is about her escape from North Korea, and it is based on true events. The book goes into great details about the life she lived while growing up in North Korea, and she reveals intimate details about the region she was raised in. However, there was an enormous price she had to pay for escaping, and that price is detailed in the book. Park’s book is heartbreaking and inspiring at the same time. In Order To Live gives a glimpse of how life is in North Korea, and it offers readers the chance to learn exactly what the people of North Korea goes through and what park has been through in her young life. About Park She is 22-years-old and she is an author, human rights activist and a speaker. Park and her family escaped from North Korea with the help from Chines and Korean Christian missionaries, and they relocated to Mongolia. It was in 2007 when Park decided to become a full-time human rights activist on Youtube in North Korea. Park came from a wealthy family, but eventually they struggled because her father was accused of conducting illegal business. As a result, he was locked up, and he encouraged his family to escape from North Korea. Those who are interested in purchasing Park’s latest book can do so via Amazon.

Vacation Rentals In London

Everyone needs a few days or even a week off from work and life’s daily routine. Vacations where created for just that reason, whether you’re just traveling to the next city or taking a plane across the ocean. London is a premier city for travelers from all over the world to come stay, eat, relax and enjoy all the sights and wonders London has to offer. Since public transportation can take you anywhere you want to go, finding a place to stay within walking distance of transportation is ideal. However staying in a hotel isn’t always the best option for travelers looking for a more personal experience.

Vacation rentals have sky rocketed since the market opened. More people have been willing to rent out their spare rooms, whole apartments or even houses to travelers looking for a more cozy and homey feel while on vacation. Some offer a spare room with a shared kitchen and bathroom for the lone traveler not looking for a hostel but still wanting that social interaction with natives or other travelers. For those who are traveling with a large family, three to four bedroom houses are available for a bit of a higher price, however having an entire house with amenities may make traveling with a large group less stressful.If you’re traveling as a couple and want something more quaint and romantic, there are apartments made for two up for rent in varying areas of London.

LondonEscape, a part of an online company dedicated to finding travelers vacation rentals, offer high quality vacation rentals with a multitude of sizes, locations and styles. Each property listed has been visited by an employee of LondonEscape to ensure the quality matches what is posted online as well as addressing any safety concerns. LondonEscape’s organized website makes it easier to find the perfect rental, every property has a separate page along with pictures and sometimes videos so you can take a virtual tour before choosing to rent.

LondonEscape offers a wide range of simple to luxury short term apartment rentals spanning all over the London area. They cater to every group size and budget. Boutique Hotels offer a cozy and unique way to experience your stay in London so the team over at LondonEscape has created a list of the best quality Boutique Hotels. They’ve also got a list of the best hostels and bed and breakfasts around the city, fully equipped with reviews and pictures.

Vacationing is supposed to be relaxing or to explore unfamiliar places. Renting larger spaces that are more personal and closer to your desired area can make all the difference. Drop the traditional, boring hotels and use LondonEscape to find your perfect vacation rental.

Will NYC Keep a Steady Trend in Leasing for 2016?

At the NYC  luxury real estate EXPO 2015 it was determined that 2015 was a knockout year for leasing. There was also much speculation on whether or not the climate was right for this trend to continue in 2016. Due to the relentless leasing environment in the city; all present were quite confident the trend would prevail through the coming year this according to Ken McCarthy, the Senior managing Director at Cushman and Wakefield. McCarthy also eluded to the fact that leasing was strong last year and hasn’t wavered since; this is what fuels his confidence and that of others, in 2016.

The article published in the Real Deal also states that there is no place in NYC that is not hip or cool. The only reservation they have are interest-rates but that wave just needs to be ridden to the shore.

The place to become acquainted with high-end properties is About Town Residential Real Estate Group. Created by Andrew Heiberger CEO And Chairperson They specialize in luxury residential sales; leasing and marketing of property developments. They work with all price points and remain untouched in the marketing arena for exposure.

Their medium is in print an online effective distribution as well as in the press and through events. The staff boasts unprecedented knowledge and exposure in this arena. They hold accolades as the best firm to work for and holds steady in the top 50 places to work in New York City.