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Archive for: January 2016

Month: January 2016

Most bank presidents in Brazil sit behind a large desk and attend monthly board meetings to go over assets and future profits. Ricardo Guimarães, the President of BMG Bank, is not like other bank presidents. He spends most of his time planning advertising and marketing campaigns for the bank on the soccer field. Guimarães has become an important figure in Brazil’s soccer world. His family’s bank is connected to the soccer world through sponsorships. Sponsoring Series A football clubs has changed the face of BMG Bank. The bank is known for its orange three letter logo, and that logo has a large presence on football fields across the country.

A Maquinadoesporte.uol.com.br article described Guimarães as a football fan that happens to be a bank president. That description fits Mr. Guimarães. He became a bank president in 1998 thanks to years of study, hard work and a family that has been in the banking business for decades. Grandfather Antonio Guimarães was the first Guimarães to become a bank president and owner. After making a fortune in mining, Antonio opened the Land Credit Bank of Minas Gerais so miners would have a place to put their money.

Grandad Antonio also started lending mining companies money for heavy vehicles, and that business got the bank off to a good start. According to CrunchBase.com, the bank used a lean structure to grow their business. By the time son, Flavio took over the Land Credit Bank was the most profitable bank in the state.

When Ricardo Guimarães became president in 1998, the Land Credit Bank had become the BMG Bank after acquiring two other banks. Ricardo had a plan to expand the bank’s business, and he put the plan in motion in 2008 when President de Silva changed the banking regulations. BMG started offering payroll loans to football fans during soccer matches. Ricardo developed a masterful advertising plan and eventually the bank started to sponsor football clubs.

That move was genius, according to an article posted by Esportes.terra.com.br. BMG Bank and soccer became a sports marriage of sorts. Fans associated BMG with soccer thanks to the three orange letters players wore on game days. BMG Bank’s business exploded, and Guimarães hired more than 700 agents around the country to handle payroll loan applications.

BMG Bank sponsors, at least, eight Series A clubs and has agreements with players from other clubs, so they were the BMG logo on game days. According to the Esportes.terra.com.br article, BMG has invested millions of reais in sports sponsorships, and the bank has plans to expand their advertising and sponsorship campaign in 2016. Guimarães has become an important figure in the soccer world. He is an executive for the soccer association and former president of the Atlético Mineiro football club.

President of the U.S. Money Reserve spoke out recently about the possibility of removing the penny from circulation. Killing the penny could save taxpayers millions each year. Are we ready for all the consequences that would happen if we remove coins from circulation? US Money Reserve President Phillip Diehl believes that creating pennies costs more than having pennies are worth. He also states that nickles are no longer worth producing either. Nickles cost 4 cents more than they are worth. Is it time to kill the penny production?

According to the article, charities would suffer drastically. Most people donating to charities are donating by means of a coin. When you see a charity standing in front of the local Walmart, you reach in your pocket for your coin change to drop in the bucket. Pennies and nickels make up a large amount of the contributions charities collect. How would a charity collect if plastic was the only “currency” around? Plastic users will need things like credit card machines or card sliders to accept funds. Without sliders or credit card machines, charities will suffer donations.

Rounding off to the nearest dollar is another option being considered. This means if a can of soda originally cost $1.25, and the coin part was tossed, then the soda cost would either increase to $2 or it would only cost $1.00. This concept is good if the price goes down. If the price increases by a dollar, then consumers would be suffering the consequences of killing the penny.

Mark Weller, comments that he has no reason to think that the general business will decrease its cost. He believes that most of the smaller stores will increase to the next dollar instead of decrease to lower. The economists believe that removing coins from circulation could cause local small businesses to have issues staying afloat unless they raise prices.

According to Jarden Zinc productions, in 2010, the United States ask for solutions to cheaper penny production. Now in 2015, the U.S. Is no closer to coming up with the solution. Diehl believes that the nickel is savable but the penny has little to no hope of holding on. Hopefully, the coin will remain in circulation so that charities and poor individuals can still have a chance to succeed.

Visit: https://www.crunchbase.com/organization/securus-technologies

Dynamic Search Partners is a company based out of New York and founded by Keith Mann. Dynamic lived up to it’s name again recently and was deemed news worthy because of the actions of Mr. Keith Mann. When the NYPD was under attack from critics, Mr. Mann and his wife sent lunch to the nice officers at the 54th Street precint. Not only did he buy lunch once, Keith Mann bought lunch several times because he appreciates what the officers are going through trying to protect and serve. Did he try and take credit for this? No, he simply used this breaking of bread to remind the public that the officers of the NYPD are trying their best to live up to an impossible job and that they should be commended and not condemned. As it turns out, Keith’s uncle is a detective in near by Staten Island.

As a philanthropist Keith Mann understands the reasons behind giving back to the community and those who strive to keep us safe. Keith’s main focus is to work with Uncommon Schools to give their students the success tools that need to find jobs that will last after college. Mr. Mann also donates to charity on a regular basis. One charity he donates to is the well known Hope and Heros fund.

Keith Mann has been in the industry of executive search for over fifteen years. Mann is a well respected expert in the hedge fund compensation arena. When it comes to hedge funds, staffing and other hiring solutions, Keith knows how to make it all happen. Keith was a professional recruiter for several global firms in the financial services field. Around 2002, Keith realized that the hedge fund industry had a need that had a hole in it that needed to be filled. He stepped up to the plate and launched a company to help the market reach it growth potential. Follow Keith on Twitter and Facebook to stay up to date on his philanthropic endeavors.

Keith Mann currently is responsible for the daily operations of Dynamic Search Partners and holds the position of CEO. He continues to help his clients meet the growing needs of hiring investment, marketing and internal strategy professionals.

This article recapped http://www.prnewswire.com/news-releases/nypd-receives-support-from-new-york-philanthropist-keith-mann-300037143.html

Avi Weisfogel, a notable dentist with a practice in Old Bridge, New Jersey, has started a GoFundMe campaign for Operation Smile. Operation Smile is a non-profit operation that offers dental surgery in foreign countries were people don’t have access to safe surgery practices or can’t afford it. Patients are children who need surgery for cleft lip and palate. Medical professionals around the world are involved in Operation Smile by either donations of money or time. Operation Smile and its team of doctors works with hospitals in foreign countries to get the best care for patients when it comes to surgery and recovery care.

Dr. Weisfogel has always been a philanthropist donating and helping charities whenever he can. Operation Smile was a perfect fit for his GoFundMe campaign since his passion is dentistry and oral health. He attended Rutgers University and received a degree in psychology and biology. He received doctor of dental surgery from New York University College of Dentistry. Weisfogel worked at Old Bridge Dental Care before co-founding Dental Sleep Masters. The practice helps those who have sleep problems by using dental practices. Before opening the practice, Weisfogel was chief lecturer at Owner Unlimited Sleep Patients. He teaches other dentists how using oral appliance therapy can help sleep disorders.
Dental Sleep Masters also offers its business model to other physicians and hopes to instruct them on the practices Weisfogel uses to help his patients with sleep disorders. A huge Pink Floyd fan, Weisfogel writes a blog where he discusses sleep apnea and other sleep disorders as well as more personal things such as his favorite videos (see below), Pink Floyd and the Cleveland Browns.

Charles Koch has surprised many by a taking a seemingly Liberal take on the justice system with his recent interview. It was an interview in which the billionaire was asked what his thoughts were on the current criminal justice system.

Charles Koch was sure that the current penal system is unsustainable. It punishes the disadvantaged.

Charles Koch has heavily criticized the current justice system that seemingly takes a less than ideal view of rehabilitation and prefers retribution. It means a person arrested and taken to prison will most likely not mend their ways but will adopt a less than favorable view of the system.

Charles Koch also questioned the wisdom behind spending $ 250 billion in a system that criminalizes smoking a joint. These inconsistencies have even seen some people taken to jail for mistakes they didn’t commit.

There was a recent case whereby employees were taken to court and jailed after the factory motors failed. They were not trained in using the engines, and the arrest and subsequent prosecution was viewed as a sham.

Koch also points out that prosecutors in America have too many powers. They have become the sole deciding party in a trial and are rarely impartial. It is because they already have vested interests with the judiciary.

Charles Koch says the current shootings of unarmed black teens by white police are as a result of the system. It is a system that has trapped the poorest members of the society in a cycle of poverty, A cycle that perpetuates its self every day and the most visible results are skewed racial compositions in prisons.

Charles Koch was speaking from a position of strength as he had been in charge of CATO Institute since 1973 when he founded. CATO finds policy direction in America and tries to shape them. It has been at the forefront of lobbying for the rights of Americans.

Koch has always used his money to make policy changes. He has done this by creating a sophisticated political system that has influences in all areas of American life. It has a budget of over $ 900 million annually and employs around 1200 people in 45 states. It has offices in 107 towns across America.

Charles Koch is a highly accomplished business leader. He is also a Ph.D. graduate from MITHe lives in Wichita with Liz, his wife of 42 years.

Check out the full article here.

My wife and I have been looking for a reliable home cleaning service for a couple years. We’re tired of trying all the usual things out there. We’ve tried the typical maid services in the area, and we have found little success in our area. The maid services that we tried were not up to par with what we wanted, and I honestly feel like they would hire anyone to work for them. Everything changed when we started looking online. We tried some online advertising websites, but they were limited in their results. Then, we found this exceptional site called Handy.

Handy is easy to use on the iPhone or other devices. It works kind of like Uber. You make a request for a maid, and then you are presented with a long list of options to choose from. These results have been vetted, also. Someone from the Handy company has already spoke to them, and they have been interviewed. Handy conducts a background check, and they won’t accept just anyone into their organization. It’s hard for people to get in, unless they have exceptional service skills in their industry, so you get what you want when it comes to home cleaning services in your area.

I was shocked when I found that Handy has a lot of other services to offer to people. They offer plumbing services, and they have other handy men and women in my area that are ready to come to my home to assist me. It’s so much easier to deal with than the other, old fashioned ways of hiring a service person. I already know that this person is reliable because they would not be on the Handy database if they weren’t good at what they do. Handy makes sure to cover any expenses that develop, also, so you will have peace of mind with them if you try their services.

The website you can look at is Handy.com, and I highly recommend reading over their site because it is packed full of information. You will likely find an answer to any question about Handy that you might have. If you want to give it a go, it’s easy to get started, and it’s much safer than working with a typical service person because payments are digital. With Handy, you always know how much per hour the service will cost before the job begins.

Jon Urbana is a man of many talents. He was a Villanova Wildcats lacrosse player (defense) originally. After his athletic career, he began exploring his creative side and took a deep interest in philanthropy (see: GoFundMe). A whole host of talents (more details at about.me) began to emerge. One of those talents is creating videos. Jon Urbana’s personal views of his subjects grip the audience. His videos range in complexity but all are quite entertaining and creative.

In many cases, the subjects that Jon Urbana covers in his videos are airplanes, animals, or are located in Ellipse USA’s office setting. In his recent “Giraffes Butting Heads” he has captured two giraffes in the wild lightheartedly sparring (https://vimeo.com/151865213). In his video ” The Stunning Mountains Of Alaska” (https://vimeo.com/151865112), Jon Urbana utilizes time-lapse video of the mountains which is fascinating to watch because the clouds appear to dance in the footage.

Since he owns Next Level Lacrosse Camp, which now has its 2016 summer sessions open for registration amidst a beautiful scenic backdrop in the mountains of Vail, you’ll sometimes find video footage captured from the camp. Read more about the camp’s staff and Jon Urbana at the Next Level Lacrosse Camp “About” page, or get a full recap of last year’s itinerary, which is still available via Urbana’s Facebook page.

He also combines aerial video footage and a few water feature shots on his official blog with the mountains in the background. In a recent visit to Alaska, he created the short film “Cross Country Skiing” (https://vimeo.com/151865002). Jon goes on an adventure in the Alaskan wilderness with a small crew. This is yet another effort to document the beauty of Alaska.

Jon Urbana Photography from Jon Urbana on Vimeo.

Sometimes Jon Urbana creates very simplistic, short, eye-catching videos. One is particular is called “Goldfish In A Cabernet Glass” (https://vimeo.com/150142307). The video is only about a minute long but it is fascinating. He uses a dark background to bring out the color of the goldfish. Jon Urbana is a multifaceted and talented individual. His videos are just some examples of his creative abilities. Urbana is a multi-talented artist to keep your eye on. No doubt there will be more great videos to come.

While there’s much to dislike about January in terms of weather, it’s so far not proving to be a bad month for investors. While the fall of 2015 gave the international stock market a seismic shake up, as reported by CNBC, the first trading week of 2016 was the most positive in a month. While the average vehicle driver has been pleased at the low gas prices at the pump as a result of plunging oil prices, oil’s fall has had a more ominous effect elsewhere.

The downward plummet of oil stocks has had a cumulative effect, dragging both energy and other stocks down with it. But its downward fall leveled off late in 2015, and these stocks ended the first week of the new year with oil’s best one and seven day gains since August of 2015. In addition to the rallying of oil stocks, markets and investors were encouraged by the recent remarks of European Central Bank President Mario Draghi. Draghi indicated in a recent press conference that his organization was prepared to take bold steps to help turn the bearish markets around.

While investment analysts and experts are pleased at the market’s positive turnaround, they warn that it’s not out of the woods yet. Joe Sowin, head of global equity trading at Highland Capital Management notes that since stock gains seem to be driven by oil and other energy companies, he feels one should wait and check for corporate stock gains before declaring the markets “cured”.

And given its track record, certainly advice from Capital Management should be heeded. The firm is headed by James “Jim” Dondero, a CEO with almost forty years of experience in equity and credit markets, and the architect of many highly successful portfolios for satisfied clients. Jim Dondero got his start as a industry analyst and portfolio manager, becoming a chief investment officer before starting his own firm. As Jim worked his way up through the industry ranks, he earned billions for his clients, enabling them expand both their investments and their businesses at large.

And Jim Dondero and his Highland Capital partners believe that no matter what the current state of the markets, both retail and institutional clients should have a wide range of options to choose from, with a goal of value driven investments. As a result, Highland Capital looks at a wide range of strategies, from conventional to alternative approaches, such as credit equity. Because of these mixed approaches to investing, Highland Capital Management is poised to look after the needs of its many private and public investors as the markets progress through 2016.

To see the CNBC article, go to: http://www.cnbc.com/2016/01/22/us-markets.html


There are many people who like to make predictions on the future of the economy. In this article from Bloomberg, George Soros warns Bloomberg that the financial markets are at the beginning of a crisis. George Soros says that there are many economic indicators that should have people worried. Anyone who wants to look at his track record of predictions will see that he often has a good eye for things before other people do. George Soros has been working in financial markets for many decades, and he brings that depth of experience to the table in making this prediction. Here are several reasons for concern in the current economic environment.


For many years, China was one of the best economic growth stories of our time. However, there are many signs that China is starting to fade in its manufacturing output and other economic indicators. Over the long term, growth in China is essential to overall growth in the economy. There are many people, like George Soros, who point to China as one of the biggest reasons that economic issues are on the horizon. Anyone who wants to look at his track record will see that George Soros often looks at various sources when trying to figure out where weakness is coming from.

Job Growth

There is a difference between job growth and wage growth. Although the job market in the United States is strong, there are many people who have not seen their wages grow in quite some time. This is a huge issue to George Soros, who says that wages have to start increasing before true economic development happens. There are many people who are worried about the fact that job growth is declining in high paying jobs. There are many college graduates who are currently working in a job that does not require a college degree. Anyone who wants to make a change in their career has the opportunity to do so, but current economic conditions mean that this can be difficult. George Soros sees this as a huge weakness that must be fixed over the long term in order to see tangible economic growth.

Low Interest Rates

Another big driver behind the pessimistic nature of George Soros is the fact that interest rates are so low. At some point, these interest rates have to increase. Many people are worried about the fact that interest rates rising will have an adverse effect on the economy. Over the long term, there are many people who will be looking for ways to earn a high return on their invested capital. However, with low interest rates this is not something that is easy to do. George Soros says that he is interested in building up economies around the world in preparation for this rate increase. It will be interesting to see if his prediction plays out or if he is just worried for no reason about the current economic environment that we find ourselves in.

When assessing the financial market in Brazil, several banks come up. One of the leading banks is Banco BMG bank. The bank has been in business since the 1930s until today. Ricardo Guimaraes leads the bank.


Ricardo Guimaraes started steering the bank in the late 1990s. The bank is a family business which was started by Ricardo’s grandfather. Since its establishment, the bank has undergone many changes that have all positively influenced the economy of Brazil. The bank majorly deals with payroll loans assignment. The bank in its process of becoming the best has been involved in different investments including purchasing two other banks in Brazil.


Ricardo is one of the entrepreneurs who is used as an example when talking about good business. Since he started leading, the bank has never gone under or run out resources. Ricardo always knows when and how to make good investments. Other than wisdom in the art of investment, Ricardo can choose the best team to work with and back him up.


Banco BMG clients have expressed their satisfaction by the bank’s returns. This kind of positive feedback continues to market the bank to other new customers. The more the clients, the more the returns hence more contribution to the economy at large.


Ricardo has been able to extend his investment in the branding world. One of his major branding investment is the sports market.It is a sector that has not been tapped by many investors.It makes investment highly profitable. One of Ricardo’s favorite sport is football. Ricardo funds many South American football teams. In many of the players uniforms, there is always a BMG bank logo whether on the back or the sleeve. The investment has proved to be profitable to both the players and the bank.


As an action of appreciation, the sports department has awarded Ricardo with several awards.


Ricardo Guimaraes once in a while is involved in activities that help improve small communities including his hometown Bero Horizonte.


Having been born in a prominent wealthy family, Ricardo had a lot of advantage. Ricardo took this advantage and turned it into a lucrative business which over the years has been growing.


BMG Banco bank is located in one of the biggest economies and faces a competitive market. Despite this, the group with Ricardo offering his best ideas can conquer the competition. Ricardo has tried creating a friendship with the competition. The BMG Bank has formed an alliance with the Itau bank and produced a R$ 1 billion bank. Over and over Ricardo has shown his competence in the investment and financial world. He is a blessing to us all.