Marcio Alaor’s Innovations At BMG

Banco de Minas Gerais S.A., which is commonly called BMG, is a Brazilian financial institution. It is run by the Pentagna Guimarães family, who has been working in the financial industry since 1930. The current Director and Vice President of BMG is Marcio Alaor. After years of focusing on wholesale and consumer financing, BMG has began to primarily concentrate on payday loans. It was one of the first banks to give payroll loans, and this innovation helped to establish BMG as an entrepreneurial bank.

Currently, the bank is trying to move away from its former, conservative profile and raise the bank’s profitability. The new key assets of BMG are profitable loan portfolios, a high quality credit portfolios, diversification of funding sources, operational efficiency, and highly qualified teams of employees. BMG has been able to successfully diversify by creating a joint venture with Itaú Unibanco S.A. in April of 2014. By uniting with Itaú Unibanco S.A., BMG has been able to turn its attention to other profitable operations such as a Payroll Credit Card and financing for companies and suppliers.

BMG is well respected in the Brazilian financial sector for its excellent operation system. The bank has a Board of Directors, including Marcio Alaor BMG, which is primarily made up of independent members. The Code of Ethics and the Anti-Money Laundering Program at BMG are available for shareholders, and they ensure that the bank is completely trustworthy and ethical. All employees at the bank are hired for their talents, so service is always excellent at BMG.

After more than 80 years succeeding in the Brazilian financial industry, BMG is a recognizable and solid brand. Companies in both the private and public sectors rely on BMG for their financial needs. BMG continues to innovate and ensure that the needs of the public are met. BMG’s ability to quickly adapt to new market conditions and please consumers means that this bank will continue to be an important part of finances in Brazil.

Sergio Cortes: Rebirth Of The Sleek

Impressionist is an entertainer whose act is based upon performing impressions of others. Sergio Cortes is the best impersonator of the King of pop there is. Doing an accurate impression of others takes skill. Sergio embodies the king of POP. That he has striking physical resemblance is only part of the act. He strikes everything right, from the dressing, walking, dancing and singing. His singing leads me to think it’s the most elaborate lip-sync ever. But it’s not; he has just mastered the elusive voice of Michael Jackson. He has accumulated over 900 million views on YouTube for his performances.


Sergio Cortes, 44, was born on the 30th of July 1971 in Barcelona Spain. The mother says his love for Michael started as a toddler. At 16,he was spotted by a journalist and asked to act as a double to fool the press. That started his career as an impersonator. It’s even rumoured he performed as a double for M.J. on several occasions.

His current career kicked off fully after the death of Michael in 2009.The death was a big blow to him and he even contemplated quitting his M.J. persona. But he says fan pressure and his desire to extend the legacy of M.J convinced him otherwise. His shows are well choreographed. They detail Michael’s shows to the minutest of details. He has a team of professional dancers and set managers. His is an entirely commercial enterprise that is routinely booked for sold out shows across the globe. His fan base is rapidly growing. He is very popular in Brazil. He trains for 4 hours daily.



He is currently doing very well. He has over 17000 followers on Facebook. He is a local celebrity in Brazil where he now lives. He regularly performs all around Latin America. He has already built an excellent reputation with the media for his professionalism. His devotion to studying Michael is handsomely paying off. His career is an exciting one to watch.


On a personal life, Sergio is more artistic and less dramatic than Michael. He is a big RnB and Jazz fan. He has a female dog named Zaffy, who he adores. He also collects dolls and action figures. He is a good graphic designer. He is close to his family and his brothers sometimes help him perform. He is rumoured to be gay but was once in a relationship with a girl.

Reaping Benefits from the Wisdom of Igor Cornelsen

Over the last several years I have used the techniques from retired banker Igor Cornelsen to build quite a diversified portfolio. As far as I’m concerned he is one of the best when it comes to investing. Many people may not be familiar with him, but I have been following him since he has been part of the Brazilian banking industry.

When he made the decision to retire I wondered what he would do next. I know that he has a consulting firm at this time but he has been giving great advice long before he started his consulting firm for investors. I have listened to his wisdom over the years as he has informed me and other investors to diversify. Igor Cornelsen on yolasite has also been able to give investors like myself the insight to take a look at the long-term strategies for companies. It makes it known that no investor should invest in a company solely because of what they are doing at the present moment. He has always encouraged the investors to take the time to see what the company is doing 5, 10 and 15 years down the line. This saves many investors from making poor decisions with fly-by-night companies.

I really appreciate the free advice. I have taken the precaution to listen to everything that Igor his said when it comes to long-term investments, diversifying your portfolio, and considering international investment opportunities. He has given some great advice that would be very simple steps that the average investor can follow. People that have never heard of him will be surprised to learn about how he has given such huge tokens of wisdom in the investment world. As a former investment banker he has been able to make a lot of decisions in concerns to investments. He knows the market and he’s very wise and this is the reason that the investor that doesn’t have lots of income should consider his advice.

The thing that has intrigued me the most about Igor Cornelsen is this ability to help the investor avoid tons of trial and error. I could’ve made a lot of bad decisions when it came to investing if I had not considered the financial wisdom that Igor has imparted. Luckily, everyone that has Internet connection has to ability to access the information that Igor Cornelsen has placed on the web on his way up. He has been very generous in that he has given this wisdom freely without enclosing it in a book that people have to pay for. I have actually found several blocks of this advice on the web that provides simple and effective investments methods. He’s the common man’s investment guide.

Achievements Made at Citadel LLC Courtesy of the Prudent Stewardship from Kenneth Griffin

Citadel was founded in 1990 with $4.6 million. Within a short span, Citadel had grown to a team of more than 100 employees. The corporation was in possession of $1 billion in investment capital. In March 2015, Citadel got a Top 10 Great Workplaces in Financial Services positioning by the Great Places to Work Institute, which depended on an overview taken by Citadel representatives. Griffin was credited for executing on a shared work culture and rewarding employees. Such employee benefits include free lunch, historical center visits, work out programs and gifts. Citadel employees are well remunerated making the entity an attractive company to work for given the immense recognition of employee’s contribution towards furthering the organizational goals.
Citadel believes in having a proper risk management plan. The company has been managing risk with the view to capitalizing on the various market opportunities. In order to improve its performance, the corporation has managed to recruit a workforce of competent and experienced risk management experts. The corporation’s investment strategies incorporate a disciplined risk estimation and management. Deeper collaborations and enhanced communication with different stakeholders have proven to be quite imperative towards enhancing the objectives of the company’s risk management department.
In order to strengthen its risk management approach, the firm has recruited a dedicated group that is well versed with issues of governance to oversee risk management across different departments. The team has been focusing on the liquid markets, funding structure and models of proprietary risks. The role of the risk management team is to identify the key areas of exposure to risks and drivers of performance. Identification of such exposure gaps helps the entity focus on the optimistic solutions that will seal such risk exposures. The other function of the risk management group is to define and keep an eye on tolerance guidelines that augment the consistency between the company’s business strategy and its risk taking abilities. Regular monitoring of the risks aids Citadel in establishing counter mechanisms against some of the causes of risk exposure.
Further, the risk management department of Citadel serves to build a strong risk culture through active participation in the process of investment. Lastly, the department has been quite focused on developing platforms that integrate information technology and analysis with the view to supporting estimation of risk and various management processes.
Born in Daytona Beach, Florida in 1968, Ken Griffin started investing while undertaking his undergraduate degree from the Harvard University. He graduated with a degree in economics. Armed with knowledge in hedge funding, Griffin believed that he could provide the market with innovative products that could give investors a portfolio through which they could enhance their income. He started his business from his university dormitory.
Griffin is a philanthropist who has donated about $500 million in support of various causes that includes tens of millions to various institutions in Chicago. Griffins together with the Bill and Melinda Gates Foundation funded and supported the opening of a new charter school in Chicago known as the Wood lawn High School.

Citadel CEO Kenneth Griffin Still Making Strides

Citadel LLC is one of the largest financial institutes in the world. Founded by hedge fund guru and businessman Kenneth Griffin in 1990, the company is worth an estimated $25 billion and handles billion of dollars in global assets. Citadel has weathered a few storms over the years. The company narrowly escaped the 2008 banking failure. While other companies fell, Citadel was able bounce back and become bigger and better. The company has expanded over the years and now has offices in the U.S. United Kingdom and Asia.

Citadel offers a wide variety of products and services including hedge funds, interest rate swaps, equity options and trading. The Chicago-base company has won a number of awards over the years including a ranking in Forbes Top 25 Best Banking Awards, Best Place To Work and another ranking in Forbes as one the most respected hedge fund companies in the world. Citadel has other divisions including Securities and Technology.

Under the leadership of founder Ken Griffin, Citadel has seen a great deal of success. Griffin got his start in the world of investment and finance at a young age. While attending Harvard University in his sophomore year, he was already selling stocks. By the time he graduated, he had earned an estimated $1 million. Griffin wasted no time and quickly opened Citadel in 1990. The company, which was started with donations from friends and clients, made Griffin a millionaire in short order. Within six years of the company’s opening, Griffin had investment capital of about $1 billion.

Griffin is one of the richest hedge funding gurus in the world. He has made the Forbes list in a variety of areas including richest entrepreneur to make $1 billion. He gives generously to a many philanthropic organizations to help underprivileged and poor. He was recently honored for his donation to his alma mater, Harvard, for giving them an endowment of $150 million. The money is to be used to help students who have little to no financial means. The money pays for books, housing, tuition and anything educated-related. The financial aid office was renamed in Griffin’s honor.

Although Griffin has not revealed his political leanings, he has given generously to many political candidates including Bruce Rahmer, Rahm Emanuel, Eric Cantor and Mitt Romney. “I am more interested in their platform than they party itself,” says Griffin. He went on to say he is very interested in helping the “little guy” achieve the same succes as he.

Facts About Skout You Should Know

These days, the number of social networks that a traveler can access so as to connect with other travelers on the road are many. However, one mobile application has used its direct network to create a platform for people who want to interact. Originally created as a travel app for those who want to expand their travel circle, Skout has in the recent months turned itself into a dating one. Since it introduced the travel feature, more than ten million members have since joined. Many have been intrigued by the virtual journeys feature that allows a user to meet another user from a different location.

A big number of the virtual travelers and especially the young ones end up taking real journeys to meet those that they met on the platform. When Skout introduced the travel feature, it intended users to use it in two different ways; to enable users meet and get to know different people from different cities and countries and to enable users know people who can help them help them when they visit a new destination. So far so good, the company has had success with both missions, and it has proved to be a very popular app for young people who want to meet and make new friends from different cities.

Skout has also purchased Fuse, an app for people on the go. Skout’s collaboration with Fuse is meant to give users simpler tools to make social networks that function from the addresses on their tablets or smartphones. Fuse allows users to set up a ‘fuse’ so that all messages posted disappear automatically in less than ten minutes. Users in Fuse are identified by initials from their cell numbers. The app also has social dynamics that are very interesting. To join a group, for instance, one can ask members for permission but once a member, there is defriending. However, users who chose to opt out can easily do so.

Skout has also improved its privacy, and is not accepting bathroom selfie nudes. Popularly known as the official flirting app, it has banned the oversharing of people photos in front of the mirror or even stripped down in a tub full of bubbles. According to Skout’s management, the photos add no credibility to the user’s image or reputation and its precisely the reason they were banned. Skout also wants people to associate it with positive characteristics and features and not just flirting.

The best thing with Skout is the fact that it segregates teens and adults. Each group is placed in its appropriate peer group to avoid instances where they mix. Once in the peer group, users can feel free to comment on each other’s posts, comment, chat and add pictures. When users from a nearby geographical location come online and check them, they receive notifications and to check out who they are, they buy points. The app has been rated as one of the safest apps to use by teenagers because of its strict moderation.


Frans Schoeman is among many professionals on that are dedicated to protecting the environment. Schoeman, who has been an attorney for twenty one years at Joubert Schoeman, deals with legal matters of the environment among other legal matters. He is currently the director of Phatsima Diamond, a law firm in South Africa. He is well known for his vast understanding of copyright laws as well as the intellectual laws. Human activities are known to have either positive or negative effect on the environment. Environmental law is a term that describes the regulations, statutes, common and customary laws that relate to the effects of human activity to the environment. This law addresses how the natural environment which includes forests, minerals and fisheries among others are affected when human beings go about their daily activities. The law is comprised of other laws that include air quality law, water quality law, waste management laws and environmental cleanup laws. Pollution is the core principle that all these laws tries to address.
Air quality law is concerned with protecting human health by preventing pollution. They govern the release of poisonous emissions into the atmosphere. The industrial activities of people may lead to emissions of air pollutant concentrations that may also affect the Ozone layer which helps to protect human beings from the harmful sunrays. The emissions of pollutants into the atmosphere may also lead to the formation of acid rain that has negative impacts to the environment. In order to regulate release of harmful substances into the atmosphere, the law identifies and categorizes air pollutants and also sets limits for the acceptable levels of emission.
Water quality laws are the rules and regulations set to govern the release of pollutants into the water sources. Water sources ought to be protected to avoid pollution which may damage human health or destroy the aquatic ecosystem. Sewage treatment, industrial waste management and agricultural waste management are some of the measures taken to reduce water pollution. Proper disposal of waste materials is also essential in reducing water pollution as well as air pollution. The waste management laws govern the treatment and disposal of all kinds of waste. This generally minimizes uncontrolled dispersal of the waste materials. The laws also provide guidelines to the methods of disposal appropriate for different waste materials.
In case of pollutions or contaminations, there are environmental clean ups that are assigned to foresee the removal of the contaminants. They are designed to respond to pollution unlike the other environmental laws which are designed to prevent pollution. In some cases the parties that caused the pollution are often liable for their actions and as such do the clean ups. Other environmental laws such as the wildlife laws, forestry laws among others are put in place to ensure that these resources are not exhausted. Forestry laws for instance, deals with issues of forest management and timber harvesting. This is done to ensure that the forests are not exhausted. The wildlife laws on the other hand regulate the impact of human activity on wild animals.

Frans Schoeman: The Role of Treaties in Sustainable Development

Environmental law – sums up all regulations, treaties, and common law aimed at highlighting how our human activities affect the natural world. There is a great need for us as inhabitants of this planet to scrutinize our activities and how they are affecting the natural environment. Laws themselves are not enough to ensure there’s a global unison in joint issues thus stakeholders have gone to great lengths to draw fundamental concepts in global environmental law which have a worldwide impact. In the backdrop of the rapid changes in an ecological crisis that include a rise in ocean levels, climate change and rapid loss of animal species. These appraisals are used to inform stakeholders about how they can enhance inter-government enforcement.

Excessive treaties

While many of the world’s treaties are set up in good faith, the complexity of the interaction between national and international agreements signed weaken the efficiency of worldwide environmental law. The since the Stockholm Conference of 1872 there has been a large number of agreements signed into law by various players. This congestion came from distinct differences in isolated talks which then pass their agreements. There is also individual funding by these different groups whose rulings overlap existing agreements and, in the long run, affect local capacity to tackle environmental issues and activities that are underway. These various treaties drain government resources and further complicate the work of officials in countries where there’s an agenda for negotiation and affects many countries in the third world. These treaties may include the: UN Framework Convention on Climate Change, UN Department of Economic and Social Affairs. National Environmental Management Act (NEMA) these are just select laws found in most countries.

For individuals and companies caught up in lawsuits, navigating this maze of international law and national legislation together with countless treaties may seem like a daunting task. Frans Schoeman steps in at this point, a graduate of the University of Free State in South Africa, Frans is the Director of Phatsima Diamond Corporation which runs a mining concession in Angola. Frans is a Senior Partner at Joubert Schoeman and yields superb legal assets and skills. Frans Schoeman himself boasts over 21 years of experience in working with various international and national companies leading many to victory and in one litigation the company netted over R120 million.

The National Environmental Management Act in South Africa defines the environment as the collection of objects and surroundings that influence the behavior and life of human beings and other organisms. The body recognizes the existence of legal norms about the environment; they are however not laws themselves. They just are used for environmental conservation, whereby this is the preservation of natural resources a process called environmental management.

The constitution of the nation provides measures to ensure sustainable development and usage of natural resources and still encouraging reasonable social and economic development. It forms the basis of sustainable development not just in South Africa but all across the globe. Economic principles do not solely warrant development amid exploitation of resources; they should take into consideration the sustainable use and integrate proper management of the environment.

Foreign developers and brokers eye ‘America’s safest big city’ for investment

At The Real Deal’s first-ever U.S. Real Estate Showcase & Forum in Shanghai last week, property developers from all over the world, most especially from China, spoke extensively about the attraction of investing in the unofficial financial capital of the world.

“The demand is something we all cannot create,” said Miki Naftali, CEO of the Naftali Group, according to The Real Deal. He noted that demand for real estate in America’s largest city, New York and NYC apartments for sale is constant.

Town Residential remains a key source for such investments. Town Marketing and Leasing focuses on a ground up approach to developing real estate in a city already beset by many competing interests. Opportunities to focus on fulfilling foreign interests in developing real estate within the city seem endless.

All of this sounds promising but, according to The Real Deal, foreign investors can sometimes find it difficult to obtain financing in the States. That should not, however, dissuade developers from investing in the largest and safest city America has to offer. Stephen Kliegerman, president of Halstead Property Development Marketing, says that cash reserves can, and should, be used to offset any potential financing problems in the States.

Foreign investors also should not limit themselves to Manhattan, the jewel of New York. “Brooklyn shouldn’t even be called a borough — it’s the next great city,” said Town Residential CEO Andrew Heiberger. Indeed, investment opportunities all across New York City remain promising to many investors and developers.

Foreign investment might not be anything new to a city as lush and promising as New York City. But according to The Real Deal it appears that foreign developers are just now spreading their wings and focusing on the most highly sought after real estate in the United States..

“It’s the safest big city in America,” Jonathan Simon, founder and CEO of Simon Baron Development, said. “The city’s cleaned up tremendously and that makes a huge difference.”

America’s safest big city might just be the safest investment for real estate developers whether they live in California, London, or Shanghai.

Ken Griffin-The Financial Artist

Ken Griffin began his career as a hedge fund manager in his days as a college student at Harvard University. At Harvard, where his desire and affinity for the investment world came into fruition, Ken Griffin asked his friends and family for a little bit of startup money so that he could build his own hedge fund and play the stock market in his dorm room. With the $200,000 in capital that he receives from his friends and family, he was able to invest a liberal amount of capital into different markets and test out different strategies in order to ensure that the strategies he was using were on par with those that the pros use. He quickly gained his feet in the world of investing and made his friends and family quite a large sum of money.

Eventually, he decided that it was only right for him to reach out to different investors. When the Frank C. Meyer, an investor and founder of Glenwood Capital LLC saw his portfolio and what he had accomplished with just $200,000, he was floored. He offered Ken Griffin $1 million to invest his money on a trial basis. He returned his money with a 70% increase in months, leading Frank C. Meyer to fully trust Griffin, therefore leading his career in a direction that would eventually allow him to become one of the world’s greatest hedge fund managers.

Eventually, Griffin decided to start his own business. He had worked and made lots of money as a hedge fund manager on an unofficial basis, yet, he did not have his own business to work from and gather employees with. He did not have a brand. So he built Citadel and quickly grew it from being just another small, boutique firm. Eventually, after years of handling and investing money that was given to his fund prudently and shrewdly, he acquired $1 billion in capital to invest, within just a period of eight years. When he first started Citadel, the only had $1 million to invest.

Eventually, after years and years of investing, he was recognized by Forbes Magazine as one of the 400 wealthiest entrepreneurs in the United States. This was quite an accomplishment for the young hedge fund manager and the PR that he received from the article caused a frenzy of investors to contribute to his fund, making Citadel one of the largest hedge funds in the world.

It all started from a dorm room with a fax machine, a computer, and a satellite dish and he eventually evolved to having $1 billion of investable capital and 100 employees. He built himself the American dream and no one can fault him for the successes that he has created because he put everything into growing his operation to the substantial level that it resides today.

Aside from investing large amounts of capital from investors all over the world into businesses that he strongly believes in, he also has made a name for himself as quite the well-seasoned philanthropist. His work with the Bill and Melinda Gates Foundation has been absolutely staggering. He is also a board member at the Art Institute of Chicago as well as several museums including the Museum of Contemporary Art and Whitney Museum of American Art.