The issue of global warming has been a hot topic in many countries around the world. Ricardo Guimaraes president of the BMG Banco bank makes a review of the remarks made on the issue. The issues were discussed at a conference in Paris France end of 2015 December.


According to Ricardo, the problems on the COP21A document from the France conference address a significant issue. Global warming poses a threat to the very survival of humanity. Industrialization and archaic energy practices mean that global warming will continue to be a problem till we put ourselves together.


According to Ricardo in the Paris agreement, the problem can be solved. Most industries need to find ways in which they can reduce the amount of harmful waste they emit. Industrialization is an important part of economic growth but without control, this can also be the fall of the economy. First goes the health sector closely followed by the agricultural sector. Without these two we can’t survive.


According to Ricardo, in the meeting, it was agreed each country’s representative had to sign a clause that allowed control on the production content of industries. By controlling on the production, the emissions are also monitored. Pure emissions lead to a safer environment.


In Ricardo’s view, global warming could hurt the investors badly. It is in his best interests to agree with the issues and solutions discussed at the Paris conference. It also saw countries like US and Europe pledge to continue giving carbon trading credits.


In the meeting, most countries had to contribute to the plan especially the most industrialized countries.


According to Ricardo Guimaraes, the program discussed received a lot of support. The program which is expected to take full effect in 2020 is supposed to reduce global warming by a huge percentage. He added that the agreement needed to mention on fossil fuels too. Fossil fuels are among the number one environment polluters and need to have a solution.


He also mentioned that the private sector was to start with the change. Due to lack of public control, private sector uses a lot of harmful chemicals. Ricardo was categorical that countries like the US nad China need to lead by example being as it is that they are some of the leading polluters.


Ricardo Guimaraes, the grandson of Antonio Guimaraes,is a perfect example of an all rounded investor. He is an expert in the investment world and knows how to make that last long. Sensitizing people on the global warming issue ensures that his market size stays safe. Meaning that even as a businessman Ricardo Guimaraes understands the link between mother-nature and success.

George Soros Thinks Chancellor Merkel in Driver’s Seat to Solve EU Refugee Crisis

At a time when the world is listening more and more to top money experts for ways and means to solve the current worldwide economic crisis, it is good to know that famed Billionaire George Soros has come forward with real solutions.

“There is plenty to be nervous about,” explained Soros during recent media coverage of the DAVOS World Economic Forum in Switzerland. The billionaire financier also stated how Merkel “correctly predicted” the European Union (EU) “on the verge of collapse.”

Merkel key to solving European migrant crisis, says Soros.

In turn, Soros told the New York Review of Books that he thinks German Chancellor Angela Merkel is in the best EU leader to sort out the crisis that is viewed as serious as the recent recession in America.

Soros also shared in a recent New York Review of Books interview that, “the Greek crisis taught the European authorities the art of muddling through one crisis after another. This practice is popularly known as kicking the can down the road, although it would be more accurate to describe it as kicking a ball uphill so that it keeps rolling back down.”

“Merkel correctly foresaw the potential of the migration crisis to destroy the European Union. What was a prediction has become the reality. The European Union badly needs fixing. This is a fact but it is not irreversible. And the people who can stop Merkel’s dire prediction from coming true are actually the German people,” added Soros during the interview.

Germany must decide to lead, says Soros

“Now it’s time for Germans to decide: Do they want to accept the responsibilities and the liabilities involved in being the dominant power in Europe?” Soros also explained in the interview how Germany’s current policy on the plight of Syrian migrants is now viewed as humane.

The famed financier also thinks Merkel’s move to take in refugees was correct given the fact that today’s crisis is only going to get worse.

It is not lost on Soros and others with a stake in the EU economy that the plight of upwards of a million refugees migrating to the EU from war-torn Syria and other Middle East and Africa nations is considered by the United Nations as the continent’s biggest refugee crisis since World War II.

Overall, the view from Soros is the EU needs to get this refugee crisis right and Germany’s Merkel may be just the person to do it.

Town Residential Analysis Shows a Continued Rise for Home Prices in New York

The average sales cost for homes in New York for October 15 to January 16 was $ 1,976,660. This presents an over 5% increase compared to the previous year. The average sales price growth was 16% higher than the previous year period to 1,150,000 dollars.

At 2015’s conclusion, the price per square foot continued to rise significantly as shown by the median trends at more than 1000 dollars. Also, the median cost per square foot showed an 8.4% increase from the previous quarter.

When analyzed by size category, the report reveals increasing price trends for properties in all segments through the fourth quarter. Market-wide, a one-bedroomed condo was $ 1,080,000, a two-bedroomed condo was 2,056,865 dollars, and three-plus bedroomed condos were 4 million dollars.

According to the CEO and founder of TOWN Residential, Manhattan saw an expanding gap between trends and development sales in the resale marketplace. Whereas newest reports show an increase in Manhattan prices due to the ending of trophy listings in new developments in the quarter. As a result, sellers have started to adapt their price prospects from the top levels achieved earlier in the current year.

Starting from the 30th of December, there were a total of 7,963 units, which included coops, townhouses and condos on the New York City luxury real estate market. In Manhattan alone, there are over 4,000 units –with 2,100 priced below 2 million dollars, 1,132 at 2-5 million dollars, 601 units priced between 5-10 million dollars, and over 490 luxury units cost over 10 million dollars. This inventory shows a more balanced market in 2016, which is good news for buyers.

The Aggregate is a comprehensive analysis of sale transactions of residential units across different asset classes as of October to December 2015. The Aggregate report compares transaction values to provide invaluable insight into market conditions and current trends.

Ricardo Guimarães Offers Assurances About The Chinese Economy

Brazil and China are linked economically, and investors in Brazil often look to what is going in China for guidance. The Chinese economy has been exploding for nearly two decades, but their economy may begin to slow down in 2016. Ricardo Guimarães is the President of BMG Bank in Brazil, and he responded to recent concerns about growth in China with a strong show of faith. This article explains how Ricardo feels about the current economic situation in China, there is further explanation of the impact on Brazilian investors.

#1: China Is Losing Steam

Ricardo is well aware that China is in the middle of a slowdown, but he is not concerned about the slowdown. Ricardo leads one of the largest banks in Brazil, but he does not believe that China will slow down too much. A slight dip in the loan markets in China could mean that Brazilians could lose a little money, but the markets are more likely to pick up in 2016.

China may be losing steam, but there are many analysts who believe that the slowdown will not be terrible. Ricardo consults many different economic analysts to come to decisions about his bank, and he only speaks what he believes in true. His research on this topic is impeccable.

#2: Ricardo Is Confident In Future Chinese Growth

Ricardo has expressed his confidence in the Chinese economy even though there are concerns. Investors are spending money through BMG Bank do not want to lose money, but Ricardo does not believe that any slowdown in China would bring investments to a screeching halt. Ricardo is considered a consensus builder in Brazil, and his words mean something in a country where he is considered among the financial elite. A strong statement from someone like Ricardo goes a long way in Brazil.

#3: BMG Has The Resources To Keep Up

BMG has created a massive empire that will help their company withstand any small slowdown in China. Investors have been asked to remain patient in the face of trouble overseas, and diversity has been touted as a solution for any investor who is concerned about their portfolio. Ricardo has spoken his peace, and Brazilians will likely hold off on selling just because China may not grow as much as it has in previous year.

The Chinese economy will grow in 2016, but it will not grow at the rate that it has in the past. Many investors have measured their investments on what they believe China will do, and that is something that must carefully considered going forward. 2016 may be a difficult year for China, but the slowdown will not stop Brazil from growing as the Olympics arrive in the summer.

Fund Me Gives New Hope to People With Dental Issues

Avi Weisfogel is one of the leading cosmetic dental surgeons that is working to provide dental appliances for people with dental issues. He is teaching other dental surgeons and dentist how to use dental appliances such as mouth guards in attempts to lesson the chance need for surgery. Some people can use teeth guards to cut down on their teeth grinding and sleep issues. Weisfogel is working to help other dentists in hopes of helping over 50 patients each month. He is also owner and operator of Dental Masters in New Jersey. Dental Masters is working with other dentists. You can see his YouTube educational video below.

Weisfogel hopes to train many individuals in dental appliances. Sleep apnea being a difficult thing to handle is one of the issues the appliances can help. Apnea is treatable with machines such as the C-pap machine but most people refuse to wear them. These machines are loud and scare people when wearing. Why not work with Dental Masters to learn how to help others never have to wear these machines again. Dentists all over New Jersey are eager to learn and put into practice these wonderful techniques and practices of using mouth guards or dental appliances.

Weisfogel began his education with a B.S. in Psychology. With this degree, he is sure to understand the moods that go along with too little sleep. He continued his education with the degree in Dental surgery. He is capable of working on patients with overbites, teeth grinding, dental teeth that needs to be removed, and issues such as sleep apnea.

Another wonderful thing that Weisfogel is doing is to support Operation Smile. This is a benefits charity to help people that need dental surgery but can not afford it. Dental surgery sometimes is necessary but not affordable. When Weisfogel made the decision to begin a fund me campaign, he began a program that can change the lives of many individuals.

Teeth problems can be the reason for other health issues that may be haunting people around the world. It is a grand thing that Weisfogel and his colleagues are doing. Helping others when they had no previous hope.

Homejoy Inc. Folds as Competitor Handy Continues To Clean Up Messy Marketspace

Homejoy Inc officially filed for Chapter 11 bankruptcy cover this week which has been expected for the last half a year. The case was filed this past Tuesday in San Jose, but comes five months after the company wrote in a blog post that it would be shutting down in the future. The home repairs and cleaning service focused on hooking its users up with repair and cleaning services.

It was first started in 2013 by siblings Aaron and Adora Cheung. They initially were able to gather $38 million in venture funding from a wide array of investors including Redpoint Ventures, Google Ventures, and more. The company served five countries when it closed down and was offering users access to $25 per hour house cleaning. It was working on expanding into carpet cleaning and home repair services as well.

One of its top competitors, Handy, is still moving right along despite facing some of the same struggles that HomeJoy has. Handy was started when its owner and CEO Oisin Hanrahan realized how hard it was to find home cleaning and repair services. He moved from the UK and Ireland to the US and found this was an international problem. Handy recently raised $50 million in funding and booked their one millionth customer.

He decided to build a solution with Handy, which is a platform that links those that provide services to those that need services. One main essential difference between Handy and other home repair and cleaning services like Homejoy is the heavily intensive screening process that service providers have to pass through. In fact, the selection rate for providers is quite low on Handy ensuring that customers are truly only linked to the best service providers which also creates amazing satisfaction levels.

Homejoy stated in their blog post in July that many different unresolved challenges have led the company to shut down. The founders stated that they had revenue challenges as well as worker classification lawsuits. In fact, startup companies have had a large issue with these lawsuits since changing employee classifications would drive the price of their labor costs up dramatically.

Bernardo Chua’s Organo Gold Marches On

Coffee has been a popular product for hundreds if not thousands of years in history. Coffee whether sold by a large corporation or a small local shop, is one of the most consumed hot beverages around the world. Coffee is accessible to everyone and is generally liked by everyone. With its energizing effects and bitter rich taste, coffee will continue to grow at an exponential rate.

One of the biggest and most popular brands of coffee in the world is Organo Gold. Organo Gold was started in 2008 by Bernardo Chua who has extensive experience in the the multilevel marketing world. What makes Organo Gold such as special brand is the special ingredient that is used to make this brand so special.  This focus on health has made the company extremely popular.

The secret ingredient that is used is called Ganoderma lucidum which is a special fungus that is used for medicinal purposes in Eastern medicine. Ganoderma is a unique mushroom that grows on wood such as large living or dead trees. This miracle making remedy as been titled “the king of herbs” due to its almost supernatural properties that energize and relax those that consume this product.

Bernardo Chua likes to showcase on Twitter that Organo Gold is the only company in North America that has partnered with the largest certified organic Ganoderma plantations in the world. The entire process of Organo Gold is to mix the Ganoderma herb with the sold products such as the tea, coffee, and the sold hot chocolate. Through the Organo Gold process, the Ganoderma is transformed from a tough wood-like cap to a fine powder that is done so through a natural process.

What sets Organo Gold apart from other multilevel marketing companies is the fact that Organo Gold has the mission to educate the importance of healthy living around the world. In addition to this, Organo Gold gives the opportunity for anyone to join the team to earn fast cash and to promote healthy living to others.

The process to join Organo Gold is simple. All one has to do is register as an independent distributor with the Organo Gold website. The next step is to purchase a business entry kit for a small fee. The business entry kit includes a free access for one year to both the individual’s BackOffice and the individual’s Pro Replicated website. The included items in the business entry kit include the distributor binder, brochures and applications, a variety of coffee samples, as well as access to wholesale purchases.  Read more on Bernardo Chua’s CrunchBase profile, as well as his official website.

Ricardo Guimarães of BMG;the making of a sports legend.

It was under the management of Ricardo Guimarães that BMG has adopted an innovative strategy to become a leader in consigned credit monitoring in Brazil. Operating through a lean and efficient team with consultants spread across the country, BMG focuses on offering credit at low-interest rates for an audience that has a low level of default. A great goal from Ricardo Guimarães in the credit market, which made his bank the leader in this sector.
Another big play by the business man was offering sponsorship for various football teams and athletes in the country. Today BMG is the largest sponsor of football in Brazil. Despite being a fanatical supporter Club Atlético Mineiro, Ricardo Guimarães stresses that BMG does not root for any team and sponsors that even rivals. And the bank receives an excellent return for this, one of the Brazilian sponsors with greater financial return for investment in football. And it’s not only in the field of business that sponsorship to football is functional for BMG but also in the area of advertising. The visibility that the bank achieves the stamping his three oranges letters in various clubs around the country is enormous. And Ricardo Guimarães links with the football world go beyond the sponsorship offered by your bank and its passion of fans by Club Atlético Mineiro.
About the future of business, Guimarães continues betting firm and strong in payroll loans that are the main product of many banks. However, he intends to reduce the share of this type of credit for up to 70% of total bank revenues in order to expand the range of services offered by the institution to increase its competitiveness in the Brazilian financial market.
Ricardo Guimaraes has been described by Alberto Pinto Coelho, the deputy governor, as a committed member of the sports fraternity who had the seal of total commitment to his work as well as his citizenship. This was during a ceremony that sought to award Ricardo a certificate of merit for his work in club Atletico.
Most of the attendees agreed that Ricardo was a force to reckon with and that the world of sports was a better place because of his endeavors. Even the president of the house agreed that the qualities exemplified by Ricardo Guimaraes were a standard that other sports persons and stakeholders had to uphold in future.

Follow him on Twitter.
Source:  Agencia Estado

James Dondero: The Financial Industry Superstar to Assist in 2016

The stock market looked grim at the end of 2015; however, that grimness serves as the basis for good news in 2016 concerning stocks. In review of the stock market in 2015, the status of the stock market seemed to make investors feel more complacent and optimistic. However, a great breaking point occurred during the middle of the year when the oil dropped significantly; thus, possibly causing a domino effect in other aspects of the economy. And even though there were some recovery in August to October 2015, investors still had skepticism and fear. This uncertainty and volatility fueled investors to concentrate on the risk.

Many investors think that it’s best to buy safer and more conservative stocks when the stock market seems to be shaky. They feel like there would lesser risk, and nice dividends will be paid. Even analysts think that investors should maintain conservative optimism, and that they shouldn’t get excited about the stock market. However, the stock market in 2016 can be prosperous. It’s like a countermove swing from a not-so favorable position to a favorable position. And furthermore, companies that would produce positive returns would be in demand; thus, improving the attitudes significantly.

Experts in the financial markets industry are better suited in handling investor’s needs. One in particular, who has proven to the crème of the crop in this field, is James Dondero. James Dondero, aka Jim, is the president and co-founder of Highland Capital Management (HCM). With over 30 years of expertise and an impressive resume, anyone can see that his company and him definitely steer their clients to being very prosperous in the financial markets. With award winning products they offer from hedge funds to ETFs, they have made great prosperity for various individuals and organizations globally.

Jim specializes in the equity and credit markets, with a concentration in distressed and high yield investing. Before joining Highland Capital Management, he was the CIO of the GIC subsidiary of Protective Life, in which he assisted in the creation from inception to more than $2 billion from 1989 to 1993. Jim also was employed as a corporate bond analyst, and afterwards, a portfolio manager for American Express. Additionally, he is the chairman of CCS Medical, Cornerstone Healthcare, and NexBank. He also is a board member of MGM Studios and American Banknote.

Read the original article here.

Harvard Receives Huge Donation Offer From CEO

Harvard University has certainly produced its fair share of CEO’s. That fact comes as no surprise to anyone who knows anything about the school. What is somewhat surprising is just how generous some of those individuals can be. Take for example the recent offer by Ken Griffin of $150 million to the school to help fund the scholarships of other students. Ken Griffin can make such a huge offer because he has a personal net worth of $7 billion dollars. How has he generated this much money for himself you ask? Well, it all starts with founding Citadel. Citadel exists as three segments. The first is just Citadel itself the investment firm. The second part if Citadel Security which provides liquidity to the marketwatch in the US. The final part is Citadel Technology which is a markets technology provider. This is a great way for the markets to receive new tools and technologies which can lead to better investing decisions being made. In the last year, Griffin has made a name for himself by being on top of the investing world so to speak. Ken Griffin was able to generate nice profits through Citadel while a lot of the rest of the market was flat or even down in some cases. When things got rough, he did not worry about it too much. He just kept plugging away doing the kinds of things that he knew he should do in the markets to make a return on investment. The people who followed Griffin’s strategy or invested with him were quite happy with their results. Griffin himself jumped a number of spots on the Forbes 400 list of richest people on Earth, and he was able to make the generous offer to Harvard University as a result. All in all, it is certainly worth noting the importance of Citadel and the success of Griffin. Few can replicate the kind of results that he has had in recent years, and it seems that there are few who will be able to going forward. He is a leader of the pack and someone to emulate as much as possible.