Ricardo Guimaraes: Leading the Banco BMG

Ricardo Guimaraes is a Brazilian businessman and financial expert who is a direct descendant of the wealthy Guimaraes clan, which invested in doing financial business across the country decades ago. His grandfather, Flavio Pentagna Guimaraes, is the one who established the Banco de Credito Perdial in the year 1930. The bank becomes so big, and it went through several rebranding. The current name of the company is Banco BMG, and the financial institution is considered as one of the largest in Brazil. Ricardo Guimaraes, along with his family, is considered as one of the wealthiest families in Brazil because of their direct control to one of the country’s leading banks.

Ricardo Guimaraes has a strong passion for working in the financial industry, and in 1998, he decided to join the Banco BMG management and help his family to control their business. He loved working at the financial institution and learned so many things about money. He even shared his idea of operating differently from their competitors, and he believes that being unique in a way would end of positively, and they can attract more customers by showing them how to be one of a kind. Banco BMG used their methods to advertise what the company’s products and services are, and because of the skills that Ricardo Guimaraes developed, the company became one of the most renowned financial institutions in the world because

Financial institutions which are providing payroll loans are favored by the business people and entrepreneurs who are living in Brazil. They prefer the services offered by Banco BMG because of its lower interest, and they only need a small portion of their business revenue to set as collateral. Banco BMG continues to become the leading financial institution when talking about payroll loans, and under the leadership of Ricardo Guimaraes, they would become more aggressive making sure that they would be keeping the distinction as the number one payroll loan provider in the country. Ricardo Guimaraes also expressed his gratitude to those who have listened to him and helped him to reach the top. He is positive about the future of the company in his hands, and he is currently planning more partnerships and acquisitions. The latest partnership involving the financial institution is their planned cooperation with Itau Unibanco, and Ricardo Guimaraes believes that partnering with one of the biggest banks in Brazil could make the Banco BMG an undefeatable entity in the financial world.

About Ricardo: Facebook.com/people/Ricardo-Tosto/100010033200857

Ecommerce Personalization is Highly Influenced by AI

Many online shoppers may enjoy the convenience of ordering whatever they like while in the comfort of their own home, but that does not mean that there is no room for the personal touch even for online-only businesses.

For years, e-commerce personalization has meant showing customers a list of possible purchases based on browsing and shopping habits. Yet, how often do our shopping habits change, even on a whim? A new purchase might spark future purchases of the same type, or a new hobby will create a whole new set of spending habits. The core of AI technology is the ability to learn. A swift learning curve is essential when it comes to keeping up with the ever changing trends of online shopping and personal taste.

With AI technology, businesses can also start moving away from the stereotype of an “ideal consumer” and base their products and marketing around specific individuals. This form of ecommerce personalization has the ability to give the shopper the sort of one-on-one attention that used to be found only in a small retail shop where you would know every buyer who came in and what they like best.

Visit: https://www.bloomberg.com/news/articles/2017-02-06/silicon-valley-hedge-fund-takes-on-wall-street-with-ai-trader

In recent studies, over half of online shoppers want personalized recommendations for what they should buy, and stated that they are more likely to return to a website that provides such a feature. It speeds up the shopping experience and is more likely to give them what they actually want. From a business perspective, that means higher conversion and a better sales report.

The AI e-commerce personalization can also be used for marketing purposes, displaying sales and new products to the customers most likely to be interested in a particular promotion. That drives up the effectiveness of such sales, and makes the customer happier to have a great deal on products or services that they can enjoy.

Many types of AI software can be run without slowing down the website, while still providing reams of valuable data about an individual shopper’s habits. The flexibility and capacity to learn means they can work with any sized online business, adapting and growing with the company.

By giving millions of possibilities for home screens and shopping ideas, AI-driven personal recommendations are a growing part of a commerce experience that is increasing online. Yet just like in any small business where customers are known by name, personalization goes a long way towards improving satisfaction.

Daniel Taub Increases Trade During his Time in Office

An article on the Algemeiner recapped the affect former Israeli ambassador Daniel Taub had on trade before his resignation in 2015. He held the position for four years and can boast during his time as ambassador trade increased greatly between the U.K. and Israel. There have been over three hundred businesses operating in Israel that have been able to also set up in the U.K. because of his efforts in office. He was also able to deepen the business and cultural connections between the U.K. and Israel which greatly improved relations throughout both countries. Learn more: http://about.me/dtaub

 

Daniel Taub was born in Great Britain and went to University in Oxford. He moved to Israel after college and spent time as a reserve officer and combat medic in the IDF. From 2011 to 2015 he served as the Israeli Ambassador. He has a passion for peace and helped negotiate during the Israeli and Palestinian peace process. He also bravely visited Bradford in 2014 after parliament said it was an Israel free zone. Daniel Taub is also an expert in international law and served as an advisor to Israel’s missions in New York towards the United Nations. In 2012 he wisely predicted the intolerant nature of some of Britain’s college campuses. a few years later the largest student union voted to boycott Israel. Taub had warned college administrators to make sure their campuses supported freedom of supporting Israel without ridicule.

 

Savid Javid, the British Secretary of State for Business, Innovation, and Skills said that the countries entered a golden era during the time he was in office. He stated the annual trade between the two sides brought in close to seven million.

 

During his time in office Taub was nominated for a Grassroot Diplomat Initiative Award. He was the first ambassador interviewed on the BBC Persian network. He had also interviewed several times on CNN and Sky News among many other television programs. He continues to keep in the public eye by writing articles for The Times, The Guardian, and other wide spread publications. Daniel Taub is now the director of strategy and planning in Jerusalem at the Yad Hanadive Foundation. The foundation is responsible for granting prizes to doctoral students who want to study outside the country and building a new National Library among other projects.

 

 

Luiz Carlos Trabuco Has Stated The He Will Recruit Successor From Within Bradesco

Big changes have been announced at Grupo Bradesco, the largest bank in Brazil across many market segments. For starters, longtime chairman of the board of directors Lazaro Brandao has announced that he will permanently step down from his role with the bank. In his place, Luiz Carlos Trabuco, the currently acting CEO of the firm, will assume that position no later than March of 2018. At 91, Brandao is one of the oldest currently serving chair people of any major corporation in the world.

A vacancy arises at the top of the pyramid

The departure of Luiz Carlos Trabuco for the permanent chairmanship of the bank will create a vacancy in the spot of CEO that will need to be filled immediately. Trabuco, at 67 years old, was briefly rumored to have considered asking for a continued extension of his waivers to continue on as CEO, possibly holding both the position of CEO and chairman at the same time. With a mandatory retirement age of 65 written into the corporate bylaws for all employees, Trabuco had been operating on waivers personally signed by Brandao himself. This was due to the wind up of the acquisition of HSBC Brazil and the subsequent integration of all of its components into the broader Bradesco corporate infrastructure, a task that only Trabuco could have effectively carried out due to his intricate knowledge of the deal.

But with that effort drawing to a close, there is no longer any reason for Trabuco to be indefinitely granted extensions on his tenure. This means that he will need to select a replacement for the slot of CEO by at least March of 2018.

Trabuco says he will recruit from within

Trabuco, who has been known for his ambivalence towards recruiting managerial talent from outside the firm, was, at one point, rumored to have been looking at potential recruits from Goldman Sachs, Wells Fargo and other North American financial institutions to possibly fill the vacant slot. However, he ultimately came clean, stating explicitly that he would not deviate from the traditional corporate process of recruiting from within the bank.

Read more on folha.uol.com.br

This news has significantly narrowed the number of possible candidates to fill the vacant slot. Trabuco has also stated unequivocally that seniority will not be a primary factor in his decision. Those who know Trabuco well say that he operates on strictly meritocratic principles, always favoring proven accomplishment over credentials. People close to Trabuco also point out that he is a major proponent of technology, especially moving Bradesco’s customers into mobile platforms that allow them to enjoy the same services as traditional walk-in banking but which often carry far higher margins for the bank.

In practice, this means that only one candidate, Mauricio Minas, is a true favorite to win the spot of CEO at the bank. Although Minas has been with the bank for just over five years, he has accomplished a great deal in that time. It it Minas who has been responsible for overseeing the integration of all of the technology assets of HSBC Brazil into the larger Bradesco system. He was also responsible for the creation of Next, and internet and mobile banking platform that has seen over 14 million Bradesco customers migrate into online banking, a huge boost for Bradesco. The Next system has proven to be so successful that it is currently being spun off into its own company.

Whoever ultimately ends up taking the helm of Brazil’s largest bank, with Trabuco acting as chairman, it is likely that the policies and strategies that have been broadly followed throughout his tenure will continue into the future.

Find more about Luiz Carlos Trabuco: http://www1.folha.uol.com.br/mercado/2017/10/1926427-sucessao-no-bradesco-vira-alvo-de-aposta.shtml

The Outstanding Marketing Approaches that are utilized by Fabletics

Fabletics is a reputable athleisure wear brand that has been making and retailing top-notch products for the past four years. Kate Hudson joined efforts with the Adam Goldenberg and Don Ressler in the establishment of the company in 2013. The business is currently worth millions of dollars and has dominated the fashion sector in the United States. The total revenue that has been collected by Fabletics since inception is more than $235 million. All the products that the company customizes are stylish, trendy, and affordable to its customers. Fabletics products are sold at approximately half their average price on the market. Hudson has been utilizing online clients’ reviews in the establishment of the company’s business strategies. Research indicates that most Americans can access the internet, and therefore, they depend on its information whenever they want to acquire new products. Crowdsourced reviews are considered as reliable by over 80 percent of internet users.

 

Many businesses that have been successful allow their customers to write reviews about their products or services. The comments are quite useful since they allow new clients to get the real reputation of a specific brand. Companies that have established a remarkable reputation are likely to attract many new shoppers. The relationship of any business with the consumers has a great impact on the revenue that it collects. Brands that attract positive reviews from the customers are also rated well by most of the worlds trusted search engines. People are motivated to try new products that have positive online reviews.

 

Fabletics utilizes excellent strategies that have enabled it to have more than 85 percent return customers. The client loyalty that the firm enjoys can be attributed to its remarkable customer service. The athleisure firm has also been getting referrals from consumers of its products, and this has helped in increasing the number of individuals who use its subscription plan. Many people have been visiting review sites to get information about various brands in the past couple of years. This indicates that consumer behavior has changed and people have started to put their trust in crowdsourced reviews more than advertisements. The administrators of Fabletics understand the importance of the comments that are given by their clients, and they have been using them to transform products.

 

Kate Hudson’s efforts have helped in growing Fabletics into one of the leading athleisure wear retailers in the United States. The company appointed her as its face during inception, and she has significantly assisted in developing it into a top brand. Hudson informs the public on products that are offered by Fabletics through several short clips that she makes with her phone and posts on social media pages. She is also part of the company’s administration team that has helped in developing its outstanding business strategies. The Fabletics brand has been built by its excellent marketing approaches and the affordability of its products. It sends monthly newsletters to its clients to inform them about the latest products in the market. The company has increased the number of customers that it reaches by investing in over 30 physical shops.

Bob Reina: He Makes Changes For People

Bob Reina, the founder and CEO of Talk Fusion, is exactly what the world needs here in 2017. He gives people opportunities and he gives people chances. For a lot of people in life when they get a chance, they really run with it. They never thought in their entire lives they would even get a second chance. There are a lot of great minds out there and they really need to be allowed to be themselves. That is the greatest thing for anyone out there: the chance to be himself or herself. When that happens, they can really soar and they can really see what they are capable of as a human being. There is nothing that is going stop them.

 

That is called power and it is a great feeling. For a lot of people, they have felt weak for so long. They have felt beaten down and thrown around by life. They have felt as though they had no way out. They were totally and completely stuck until they found out about Talk Fusion. Why would anyone want to work for someone else when they can be their own bosses? That is a tremendous feeling and with it, there is great enthusiasm. It enriches their lives in ways they never thought possible.

 

They get to let their creative juices flow. When that happens, look out, world, here they come! The road to victory is right there for them with video newsletters, video emails, video conferences, and video chats. The world is their oyster. They are going to grab the bull by the horns and show the world what they are made of as an individual. It is, without a shadow of a doubt, one of the greatest feelings a man or woman could have in their entire life.

 

In addition to Talk Fusion, Bob Reina gives back frequently to charities. One of the biggest donations he made was to the Tampa Bay Humane Society. It was record-breaking as a matter of fact. He also encourages his employees to give out Talk Fusion to a charity of their choosing. Learn more: http://www.prnewswire.com/news-releases/bob-reina-talk-fusion-ceo-returns-as-guest-author-to-martech-advisor-300411047.html

How Bridget Scarr Developed Over The Course Of Her Career

Bridget Scarr works in the media industry. She both writes content and serves as a creative producer. She works in a number of mediums including television, virtual reality, digital content, and interactive exhibits. She has been in the industry for more than 15 years as a producer and started writing her own content a number of years ago.

In addition to live action, Bridget Scarr has also produced animated content during the course of her career. After she graduated from Rhodes University she entered the media industry in 2005. She started out as a production manager, taking on the role of line producer as well within a year. In January 2007 she became at tv producer and produced content for a number of widely known brands such as Motorola, Miller, Peroni, and Nestle.

In 2010, Bridget Scarr became an entrepreneur when she co-founded Zero Point Studios where she served as the head of production and financial producer. This studio worked on children’s tv content which ended up on stations around the world. She then joined Pollen Creative Media where she worked for eight years. She was a partner at this firm and also the managing director. When she first joined the company it was comprised of only 5 employees and had just $10,000 to work with. Eventually, it grew to a company with more than 500 employees who created award-winning content including tv shows and advertisements.

In March of 2016, Bridget Scarr established Colibri Studios in the United Kingdom. She both writes content and produces her own projects for her clients. Her specialties at this company are lifestyle programming and factual entertainment. The content she comes up with is used on multiple platforms including television and digitally. She has global production partners who she works with on a daily basis.

One of the projects that Bridget is currently working on is an augmented reality. It will allow users to experience history in a way that they never have before. It includes landmarks and monuments from the past and shows them their histories. The stories also include the people that lived long ago and their real stories.

Follow Bridget Scarr on twitter.

Stopping the Abuse

Bad things happen in jails. Worse things happen in prisons. Terrible and unnecessary things have happened in Maricopa County jails, under Sheriff’s Joe Arpaio’s reign of tyranny. All jail inmates who once fell into the custody of the then law enforcer can attest that the self-proclaimed America’s toughest sheriff was a cruel soul.

He was as abrasive as any law enforcer could possibly get, more abrasive than the law could have him. He was known to lark around Hispanic neighborhoods harassing the locals.

Worse still, the locals reported frequently that would raid their homes and make arbitrary arrests on innocents: some of whom never came back home alive.

In a span of fewer than two years after the year 2004, more than 60 jail inmates in Maricopa County died of easily treatable diseases. Those who survived the badly kept jails claimed that the substandard health conditions of the public facilities were intentionally cultivated to torture and kill the jail inmates.

Most of them tell tales of abuse and inhumane treatment while in Sheriff Joe’s custody. In fact, most of them claim that the sheriff was always there at the time they were physically or verbally abused.

Larkin and Lacey first got involved in the investigations on the sheriff’s abuse of power through their Phoenix Times employee who published articles on the sheriff’s financial misgivings at the county offices.

The articles had in them verifiable and conclusive proof that the sheriff was embezzling public funds meant to keep the county jails clean and habitable. One of the inconsistencies cited was the cash investment of 690,000 dollars that Mr. Arpiao had made in personal projects despite his annual salary of 72,000 dollars.

It was after the reporter left the Phoenix Times for better career opportunities that Lacey and Larkin took up his case. They felt that the numerous complaints about the county administration’s abuse of power and racial profiling needed to be tried fairly in the court of public opinion.

The two, co-founders of both the Phoenix Times and the Village Voice Media, published a series of articles exposing the corrupt and oppressive Sheriff’s criminal activities. Learn more about Jim Larkin and Michael Lacey: http://www.bizjournals.com/phoenix/potmsearch/detail/submission/6427427/Jim_Larkin

The sheriff, notorious for brutally dealing with his critics, responded to the publications by sending subpoenas to the Phoenix Times. In the subpoenas, allegedly from a grand jury, Maricopa County demanded Larkin and Lacey’s journalist notes pertaining to Joe Arpaio’s abuse of office.

The subpoenas also demanded that the media house release to the sheriff’s office, private browsing data of all the members of the public who read the articles, including their IP addresses and browsing history.

The heroic duo refused to comply. They were aware that such demands from the sheriff were in clear contravention of the First Amendment of the American Constitution.

In response, they published the subpoenas and explained their context. They explained that the sheriff had been persecuting jail inmates, then began persecuting immigrants, then journalists and that he was about to start persecuting all those who read newspaper articles exposing his criminal activities.

Joe had Lacey and Larkin’s homes raided that night by his deputies. They invaded their homes without arrest warrants, armed, and used unmarked vehicles.

The public protested against the arrests and the two were released. The two journalists desired to set precedence discouraging such flagrant abuse of power and sued the county administration for wrongful arrest and harassment. Read more: Michael Larcey | Crunchbase

The lawsuit dragged in court for five years due to appeals but was concluded justly with Maricopa County ordered to pay 3.75 million dollars in compensation to the duo.

Larkin and Lacey decided to dedicate the money to defending immigrants from further discrimination and founded the Larkin and Lacey Frontera Fund.

How Michael Lacey and Jim Larkin Push for Justice

The conflict between the two veteran journalists, Michael Lacey and Jim Larkin, and America’s self-proclaimed toughest sheriff, Mr. Arpiao, symbolizes a much bigger picture.

Mr. Arpiao is widely accused of being racist and oppressive while Michael Lacey and Jim Larkin represent their most tenacious pro-human rights activists in the United States. The two disagree sharply because of the opinion stands.

However, the constitution of America is clear on how people should live and interact with each other, therefore, if justice prevails, the likes of Michael Lacey and Jim Larkin would always triumph. Unfortunately, the American law enforcement and justice system is plagued by some officials who are too racist and stubbornly so to uphold the law they enforce.

For justice to prevail, Michael Lacey and Jim Larkin, other activists, and lobby groups have to keep the fight for justice stronger than ever. Fortunately, through wit and sheer gut, some activists like Michael Lacey and Jim Larkin have been able to keep the oppressors at bay.

Via the Lacey and Larkin Frontera Fund, oppressed members of minority communities are welcome to seek assistance in pursuing justice for any of their rights violated.

The Lacey and Larkin Frontera Fund was created by the two veteran journalists after they were awarded 3.75 million dollars in damages for the wrongful detention that Mr. Arpiao put them through.

Mr. Arpiao felt aggrieved by the two journalists when they exposed his flagrant abuse of power by racially profiling members of the Hispanic community and mistreating them when he wrongfully took them prisoners.

The Sheriff was, as a result of the law suit and exposé by the two journalists, fired from office and found guilty of criminal contempt of court. The two journalists, in a continued spirit to pursue justice for immigrants and in pursuit of empowering minority groups’ right to expression, dedicated the 3.75 million dollars to the fund for such causes.

The Lacey and Larkin Frontera Fund, like the American Civil Liberties Union (ACLU), the Puente Arizona Society, and other human rights activist groups often, puts in concerted efforts to rebuke publicized cases of oppression. They also join hands to fight oppressive policies strategically through litigation.

Sometimes, the specifically pick on particular cases to provide legal, financial, and social aid just to set precedence. Some other times, they challenge the constitutionality of laws and policies that infringe on the provisions of the First Amendment.

Other times, they simply conduct research and generate statistics of racial and ethnic discrimination just to make it known how cruel some laws are to immigrants. Read more: Phoenix New Time and Village Voice Media | Wikipedia

For instance, the ACLU reports that America holds over 40 million immigrants and 83 percent of them get deported without due process. It also lists policies that make it seemingly criminal to be an immigrant. Such laws and policies allow for authorities to detain immigrants indefinitely.

Some even make the detentions mandatory. Through publicizing such policies, the public can rebuke them and reject them, ultimately leading to their abolishment.

Read more:

Michael Larcey | Twitter
Michael Larcey | Facebook

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