Ricardo Guimares the Best for BMG

For some, leadership is acquired while for some, it is inborn. Ricardo Guimares falls in the category of the latter. Ricardo’s financial prowess is unparalleled. This Brazillian born business icon has experience in finance and management that spans for over three decades. Ricardo currently wears two hats both as the president and chief executive officer of Banco BMG, a privately owned Brazillian Bank. Ricardo’s financial career has been rising and rising dating way back to the 1980s. Guimares’ success has a history too as he comes from a wealthy family in Brazil. BMG started as Land Credit Bank and was started by Guimares’ grandfather. This lending facility offered loans to farmers in the 20th century. Ricardo’s meteoric rise began when he decided to follow the family path and studied finance and management in college. It is in 2004 that Ricardo was appointed as the CEO of Banco, having served as chief finance officer and later the vice president of the company.


It is not in doubt that for a business to grow to the scales of BMG it requires more than just academic knowledge. Guimares has a gift. It takes more than just a gift for a bank like BMG to be one of the leading commercial banks in Brazil. Ricardo has what it takes to grow an organization from zero to an economic giant. We are talking about a bank with over three thousand branches and over five thousand agents in BMG. This can only be equated to a situation waiting to happen. The bank won’t just stop growing. With Guimares at the helm, one can only bet of an organization that will grow and grow. Talking of the position in the market, no bank is a match. BMG has grown its client base to sixty percent under the leadership of Ricardo. This has made other banks look as if they are just spectators as opposed to players in the Brazilian market. BMG is just dominant by right.


The citizens of Brazil can only thank their God for the gift of Guimares. Even with the good performance of BMG, Ricardo says that he is not even at half of his ability. He promises of more to come as he believes that the Brazilian banking industry is yet to be exploited. Ricardo also believes that personal loans can even become more affordable. It is an understatement to conclude that Guimares has the best interest for Brazilians at heart which is a rare combination for someone who is also a corporate mogul. BMG is the bank in Brazil that every other bank has to be on the watch out. With Ricardo still at the helm, other banks’ CEOs have no option but to up their game to compete for clients.

About Slyce’s Visual Search Technology Solutions

Visual search technology is arguably one of the most influential technologies of our time. It has been very influential in helping online shopping become a better alternative for people around the world when compared to physical shopping. With the popularity of the internet growing in day in day out, there is a growing need for visual search technology to get better.

The technology seeks to make shopping easier and fun. The best thing about the technology, however, is the fact that it is poised to grow much faster if the many startups intending to make better technologies about it are anything to go by. The world is awash with such technologies and especially in regions where online shopping is much appreciated.

Regions like America, India, China and the United States are the most prominent when the startups are concerned. The multiple startups are trying to crack visual search and make it a much better tool to help retail companies enable their users discover products online in a much better way. With a better technology, users can be able to search photos of real objects in the real world and get very good results.

In India alone, more than five startups have mushroomed, and many of them are at an advanced stage when it comes to improving the same. Some have even gone to the extent of developing machine based language inputs for their language. Most of the startups have focused on fashion precisely because it is the most popular online shopping niche in the country. The startups are in a mission to improve and develop a technology that is based on intelligence and with all the visual cues present.

Slyce is one of the most respected companies in the visual search technology niche. The company has popular technologies that have proved very useful for both mobile and desktop platforms and it uses existing product images in its database to answer an image query.

It has both in-store and out of store solutions that have proven to be very efficient when matters related to helping the world of eCommerce. The best and unique thing about both technologies is the fact that they can comfortably scan different barcodes, QR codes and coupons as well.

They are also able to connect directly to product information and therefore, find exact product matches. Slyce has been very instrumental in improving the way online shopping is done these days by providing solutions that provide exact matches for all queries.

China’s Yuan at Risk from Speculators

The weakening of the Chinese currency brought fears in the stock markets as they hoped Yuan to fall. Speculators like George Soros were warned by the State media not to short-sell the Yuan. Yuan Hibor is the benchmark which is used to determine the prices of loans in the currency outside China. It was introduced in 2013 by the Hong Kong Treasury Market Association. On January 12, Hong Kong Interbank rates for three-month yuan loans dropped to 4.87 percent much lower than in December. Supplies drained in the market after the fall, and the effect was that it became expensive for borrowers who needed short trade loans.

The Highland Capital Management (HCM) was founded in 1993 with headquarters based in Dallas, Texas, and branches in Seoul, Sao Paulo, New York, and Singapore. Currently, it is valued at $21 billion. It specializes in private equity, collateral loan obligations, credit hedge funds, long-only funds, distressed and special situations and separate accounts. Since its inception, HCM has invested in other areas apart from the financial markets. At Highland, they believe in community culture, and they do contribute time and resources to better the lives of those in need. They mainly focus their contributions to education, veteran initiatives, and healthcare. The leadership of HCM is under James Dondero, who is the president and a co-founder of the company.
Jim Dondero has a vast experience of over 30 years in credit markets. Before HCM came to be, he worked for a GIC subsidiary as the Chief Investment Officer where through ingenuity and experience improved the company to a $2 billion entity between 1989 and 1993. Before then, he worked for American Express and managed over $1 billion in fixed income funds. He is also the chairman of the Nexbank, CCS Medical, and Cornerstone Healthcare. Additionally, he is also a board member of the American Banknote and the MGM studios. Jim is a philanthropist and personally supports education initiatives, public policies among others. Watch Jim and his team ringing the NYSE Closing Bell.
Dondero is a former student of the University of Virginia where he studied BS in Commerce and majored in Accounting and Finance. He has certifications such as a Certified Public Accountant, Certified Management Accountant, and Chartered Financial Analyst. For more insight on the status of the China’s economy click here.

Top Women Plastic Surgeons

People are always searching for a way to enhance their appearance. Some try beauty products while others enlist the services of a plastic surgeon. Some would like to know if there is a difference between a plastic surgeon and a cosmetic surgeon. Well, people contact a cosmetic surgeon to enhance their looks. Therefore, the surgery is elective. Others contact a surgeon to repair, replace, or reconstruct a physical defect. Generally, they contact a plastic surgeon for this operation. This surgery improves the quality of their life and helps them to live normally. Some of the top plastic surgeons are also contacted for elective surgeries to enhance their appearance. Many of the top plastic surgeons are also women.

Top Plastic Surgery Procedures
The statistics show that a rising number of women in Texas are considering plastic surgery. Generally, this is due to the number of great plastic surgeons that reside in the area. Certainly, the easy availability and afford ability make this a good choice for people thinking about enhancing their appearance or correcting a physical problem. The top plastic surgeries requested include breast augmentation, nose jobs, liposuction, eyelid surgery, and face lifts. The fact is that a lot of the women prefer a female plastic surgeon because they seem more sympathetic. Fortunately, one of the top female plastic surgeons in the country operates a practice in Texas. Her name is Dr. Jennifer Walden.

Dr. Jennifer Walden
Dr. Jennifer is considered one of the top plastic surgeons residing in the country. She is board certified by the American Board of Plastic Surgery. Dr. Walden was living in New York and managed a successful practice in that location. However, Dr. Walden moved back to Austin, Texas with her twin boys. She made this move to be closer to her family. She really wanted her twin boys to get to know their relatives.

It is interesting to note that Dr. Walden American Society of Plastic Surgeons along with the American Society for Aesthetic Plastic Surgery. In addition, she is a Fellow of the American College of Surgeons. Dr. Walden also acts as a media spokesman for two medical organizations.

Sanjay Shah Helps to Fund Autism Research Through Autism Rocks

Autism is a neurological disorder that becomes apparent in children between the ages of 2-4. This is when parents and doctors notice delayed language development, indifferent reaction or connection to people, sensitivity to external stimuli like loud noises or certain odors, and compulsive repetitive behaviors in the child. There are many theories as to what causes children to be born with autism, but there is no known definitive cause. According to the Centers for Disease Control, approximately one percent of the world’s population has an autism disorder, and 1 out of 68 children born in the US have an autism disorder.

Sanjay Shah is a British hedge fund manager and founder of UK based Solo Capital. He worked as a banker for over 20 years with companies such as Merrill Lynch, Credit Suisse, and Morgan Stanley until he was laid off during the height of the great recession. He then founded Solo Capital which now has over 100 financial experts, and he opened an additional office in Dubai where he currently makes his home. In 2011, Sanjay and his wife Usha took their two-year-old son Nikhil to a doctor’s appointment thinking he had a stomach virus because he couldn’t keep his food down. The doctor noticed Nikhil’s unusual behavior and referred him to a child psychologist where he was later diagnosed with an autism spectrum disorder.

Sanjay has long been a philanthropic person, but now he has a purpose and a focus on preventing and finding a cure for people with autism. He is in semi-retirement from Solo Capital and currently spends much of his time on Autism Rocks. Autism Rocks was founded in 2013 as a way to raise funds for autism research. It features a variety of music stars such as Snoop Dogg, Prince, Lenny Kravitz, and others who may perform in a festival style format or give individual concerts. Sanjay realizes there may never be a cure for autism, but he and his wife will do whatever they can to help fund autism research so that people can understand the condition and develop appropriate treatments for it.

You can follow them on Twitter and LinkedIn.

TOWN Residential 2015 Fourth Quarter Report Identifies The Growth Of The Manhattan Real Estate Industry

According to the Virtual Strategy Marketing website, the New York City real estate market continues to surge as noted in the fourth quarter report of The Aggregate, which is a quarterly release that is published by the New York City luxury real estate mortgage firm TOWN Residential. The report revealed that the financial capital of the world has seen positive growth trends in residential sales in nearly every statistical column of the regional housing sector.

Despite residential growth being strong in all of the boroughs, the epicenter of New York State, Manhattan, is leading the charge in new development sales, co-op sales, condo sales and size category sales. For example, the fourth quarter median sales price for Manhattan homes surpassed 2014 rates by 16 percent to $1.1 million per unit. In addition, year-over-year statistics revealed that the average home price rose by five percent to $1.9 million. The report also documented that Manhattan homes averaged $1,400 per square foot, which reflected a six percent increase compared to the previous year. Year-over-year rates per square foot rose by 8 percent to $1,500.

Manhattan condos continued to experience positive growth trends as the median sales price rose by 20 percent to $1.7 million per unit. The impressive price increase translates into the cost of $1,600 per square foot, which represents an 11 percent increase from the previous year and a seven percent increase from the previous quarter. Unit size categories for condos are experiencing positive growth trends across the board as the median price of one bedroom condos comes in at $1.08 million, two bedroom condos at $2.05 million and three bedroom condos at $4.4 million.

Co-ops indicated a slight price increase of four percent at a median sales price of $1.27 million, which reflects a year-over-year increase of six percent. In addition, the average sales price per square foot of a New York City co-op increased by six percent to $1,066. The report revealed that the median price of a three-or-more bedroom co-op increased by 15 percent and eclipsed $3 million per unit compared to the previous quarter.

Obviously, the Manhattan region is experiencing a healthy growth trend that reflects the strength of the regional economy and the attraction to NYC by international transplants and Americans who are migrating into the city. The TOWN Residential report, The Aggregate, is a powerful tool that empowers investors and home buyers to enter into the market with confidence and knowledge of the trends that are dominating the New York City landscape.

Kyle Bass: U.S. to Go Down by 10% to 20% by End of the Year

Kyle Bass, the founder of Hayman Capital Management, was one of the traders in Halftime Report, discussing his market output for 2016, and what China’s volatility means for the U.S. Peaked profits is the main reason why many people think is the cause for the slowdown of China’s economy. Kyle, however, thinks that the main problem is the banking system of China rather than its volatility. He goes ahead to compare the recent problems in China with the European crisis.

According to Kyle Bass, both the cases of slowdown in China’s economy and the European crisis had a significant growth in GDP for their baking systems. China’s banking system outgrew GDP to almost 35 trillion dollars, while the European banking system outgrew GDP to just 10 trillion dollars. Bass thinks that loses and a credit cycle are looming and investors don’t seem to be worried enough.

Looking at the markets in the U.S., Kyle Bass believes that by the end of the year people will witness a 10 to 20 percent downturn. However, this will not be that bad compared to global financial crisis, although the real problem will be lack of credit-growth in the emerging markets. Marc Lasry from Avenue Capital also weighed on the matter, agreeing that banks in China have lent a lot of money.

UsefulStooges wrote that Kyle Bass made headlines in 2008 after predicting correctly the subprime mortgage crisis. In the past, he has defended Christina Fernandez, an Argentinean, when Argentina was said to default on its sovereign debt twice in a period of thirteen years. He championed her economic policies, even when many people were criticizing her actions. What’s more, he took Fernandez’s side when Thomas Griesa, a New York Judge, ruled that the country could not just shell out to its creditors who had agreed for reduced amount of money, but also go ahead to pay creditors, including Elliott Management’s Paul Singer, who insisted to be paid fully. He said that the Singer was putting a poor country hostage and holding more than 42 million people from progressing.

Kyle bass has also criticized pharmaceuticals, insisting that he is doing it for a noble reason. He said that his actions were to prevent increase in drug prices. Celgene, a pharmaceutical firm, even went ahead to sue him. He responded by saying that financial self-interest is what drives pharmaceutical companies. Many said that his challenges were patent and he too was doing it for self gain.

The Manse On Marsh Offers A Range Of Activities

Residents are never bored when they live in The Manse On Marsh community. This assisted living facility is designed to make life easier for seniors without taking away their independence. Seniors are welcome to take part in a range of fun-filled activities.

The Manse On Marsh community is located at 75 Marsh Street in San Luis Obispo, California. Seniors can choose their level of medical care, whether it is transportation to appointments or assisting with meals. The staff strives on keeping residents happy, healthy and as active as possible.

Seniors can take part in a variety of activities, clubs and events to keep life exciting. The monthly activities are enough to keep anyone busy. Seniors can play games such as Bingo, Bean Bag Toss, Hangman, Dominoes and Blackjack. Those who would rather play something more active may enjoy a game of Boccie Ball or Balloon Racket.

There is nothing like a little exercise to keep the body healthy and strong. Residents can take part in activities such as Jazzercise, Chair Exercise, Crazy Dance and In Shape with Oscar. The activities also include the Book Club, Bridge Club, arts and crafts, singing and ice cream parties in the summer.

Everyone needs to get out and get some fresh air once in a while. This is why the staff plans a range of day trips, from neighborhood walks and scenic drives to luncheons and shopping trips. The staff also offers a Bible and Prayer service and transportation to church.

It is important for residents to check the monthly activities calendar to see what has been added to the list. The activities help seniors to stay mobile and make new friends. This is good for their overall mood, spirit and health.

Seniors have the opportunity to live a vibrant lifestyle when the move into The Manse On Marsh community. The exercise programs and day trips are perfect for those who enjoy staying active. Residents who need a little rest may enjoy more laid back activities and clubs. There is something for everyone to do at this assisted living facility.  They can be contacted online at any time, and more information can be easily sought on the website.

Avi Weisfogel’s and His Go Fund Me Campaign

Avi Weisfogel is a dentist in New Jersey. Weisfogel has been helping patients for many years. In recent years, Weisfogel has decided that it is important to reach out help others as well as his local area dental patients. His devotion to the field of public health is well known. He wants to do what he can do to help bring joy to patients and provide much needed services for those who may otherwise not be able to afford them without his help. His work in the dental field has allowed him to be part of a community of caring individuals who want to provide the best possible dental care.

Avi Weisfogel has spent many years in the field, studying the best way to help his patients. As a result of his devotion, he has earned many fans who appreciate his hard work and willingness to meet their needs. They know that they can count on Weisfogel to learn about the latest in dental procedures. They also know that they can count on him to help them get access to such procedures and enjoy far better dental health as a result of his efforts and his willingness to keep learning as much as possible.

One of his latest passions is helping to fund good medical care of all kinds for poor kids. This has led him to create a GoFundMe campaign that aims to help raise money for a cause known as Operation Smile. Operation Smile is a multiple nation campaign that aims to help provide poor kids around the world with the chance to get access to much needed medical care including surgeries. A child may have been born with a medical condition that means that his mouth bones have failed to fuse properly. This can cause the child all kinds of other problems.

However, this surgical condition is easily fixable. Weisfogel knows how much a simple procedure can change a patient’s life. He also knows that a surgeon’s skills can help such patients have lives that are much better after a simple procedure that can be performed quickly and heals quickly as well. This is why he wants to work with others to help raise funds to make sure that such patients can have access to the kind of dental care that can help them look better, eat more easily and improve the overall ability to function. Follow Avi on TwitterFacebook, and Vimeo to stay up to date on his GoFundMe Campaign. You can even see his favorite video below!

HomeJoy and Handy

Homejoy Inc., a house cleaning company that also offers home repair services, as well as carpet cleaning, has filed for chapter 11 bankruptcy. HomeJoy Inc. opened for business in 2013, and was founded by brother and sister Aaron and Adora Cheung.

Filing for bankruptcy happened as a result of not enough consistent revenue due to reasons such as losing customers after raising their prices, and not being able to raise enough funding through outside investors. What really negatively impacted HomeJoy Inc., was four class action lawsuits filed against them pertaining to worker classification issues. HomeJoy just didn’t have a large enough nest egg to fight long and costly legal wars.

Handy, HomeJoy’s major competitor, on the other hand, is booming. Handy is offering their cleaning and home repair services in 25 cities in the United States, two cities in Canada and is now servicing London. Currently, the bulk of Handy’s revenue comes from the house cleaning aspect of the business. They are meticulous in what they do. They clean living rooms and bedrooms, kitchens, bathrooms and even take out the trash and recyclables. Customers may also request extras, such as cleaning inside of cabinets, cleaning the inside of ovens and refrigerators, cleaning interior windows and even taking care of the laundry duties. Handy also offers interior painting, furniture assembly, TV mounting, help with hanging shelves or pictures, handyman services and even some plumbing services.

The professional staff at Handys are thoroughly trained and must pass a vigorous background check, both on a county and national level. Handy’s employees are well compensated, averaging approximately $18 dollars per hour, and employees also enjoy flexible hours. With professional, reliable, affordable and friendly service, Handy’s booking services are skyrocketing. After two years of being in business, Handy now has over $1 million in bookings each week.

As the market in online booking for cleaning and home repair service continues to climb, the Handy’s staff are more than qualified for the job. They offer affordable pricing, are available 24/7 and guarantee their work 100 percent.

This article recapped http://blogs.wsj.com/bankruptcy/2015/12/17/home-services-startup-homejoy-files-for-bankruptcy/