Marcio Alaor BMG Recap

Las Vegas hosted the CES -Consumer Electronics Show- in January, 2016. This annual event gives insight to future technology for the next 40 years. The website CNET, recounted that the world is ever changing. At Phxated, you’ll get the latest gist.

Marcio Alaor, BMG executive, states the event’s top electronics consist of a drone with space for a passenger, everyday objects will attach a camera for personal use. The passenger electric car making a place in the future once again.

The Ehang 184 drone drones were the high attraction at CES 2016. The passenger ready drone Ehang 184 allows your imagination to perceive a thought of flying cars in the near future. As a drone is pre-programed, there isn’t a need to fly it if it was possible. Marcio Alaor BMG states that the drone is manufactured by the Ehang Chinese company and at this time has only flown about 23 minutes at one time.

The Ehang Chinese company continues to work on the invention with the biggest concern being security. Marcio Alaor, the Banco BMG executive says that the Chinese company has plans to ensure security by setting a control center that will be able to take control of the drone if they need to.

The Chevrolet Bolt in 2017 was the attraction being the electric car in its completed version. They plan to put a selling price of $30,000 on this car. Ford and Volkswagen confirms that there will be an increase of electric vehicles in the future. Ford alone plans to place 13 hybrid cars for sale in 2020. With the reinvention of the classic Volkswagen, Kombi as an electric prototype. It’s hard to imagine not stopping for gas.

Cameras will be connected to all kinds of things. Connected to the refrigerator allows communication by sending you a picture of the inside of your refrigerator and you can see if you need milk or not. Samsung priced their refrigerator at $5,000.

With the first CES taking place in 1967 in the city of New York. Many electronic devices were presented. In 1970 the VCR was given to the world. There were compact disc players presented in 1981, with the DVD-digital versatile disk- being presented in 1996. the plasma television was at CES in 2001. The Blu-Ray DVD was at CES in 2003.

CES 2017 has set their date between January 5th through the 8th in Las Vegas, Nevada,
United States.


Source: Marcio Alaor BMG and

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With the continued expansion of new financial institutions, it has become extremely difficult to find the right bank that will keep pace with your needs. Finding the right bank is very important, as it represents a sort of guarantee for your stable financial position, and the choice should be also based on its size, success and its reputation. However, you should first consider your needs as a customer, and the BMG bank in Brazil is undeniably something that any customer can count on.
This bank is a private financial institution and a leading player in Brazil’s payroll deduction credits. It is under the control of the Pentagna Guimaraes family, which has been involved in this area of finance and money since 1930. During that period, its services were connected to consumer financing and wholesale. Apart from this, the bank represented the leader in the financing of certain kinds of vehicles in the 1980s. Eighteen years later, the bank’s primary focus was providing loans and becoming the leader in this area. BMG signed an agreement with Itau Unibanco S.A. in July 2012, which represented the nest step in the distribution of commercialized payroll loans in Brazil. Two years later, these institutions decided to unite the business, which resulted in BMG owning 40% of the total capital stock.
BMG is doing its best to increase the success of its products by means of developing new businesses that will keep pace with the needs of its customers. By giving Itau Unibanco access to many banking customers in Brazil, the BMG will provide this bank with more experience in the sector of the banking industry.
Apart from this, the bank’s strategy is to expand its services throughout Brazil, which already has many sales. Another strategy is profitability, and this can be achieved by focusing on the loan portfolio growth, thus enabling its business to continue normally. Then, it is important to focus on a conservative credit policy, defined and strict levels, and on a team of professionals who will give a detailed analysis based on industry intelligence. Other important strategies are diversion of funding sources and operational efficiency focused on cost control.
Ricardo Annes Guimaraes represents the owner of the BMG bank, and he serves as its President at the same time. Mr. Guimaraes has been its CEO since June 2004, thus greatly contributing to its success. His career began with the BMG S.A. de C.V. in 1980, and nine years later he was appointed their Financial Executive Officer. His role is to supervise and coordinate all the bank’s businesses. He is also connected to two Board Members in two different industries.
To conclude, in order to find the right bank, one should first consider his/her needs as a customer and then find a successful bank with a reliable reputation. With the BMG bank, one can have all this.


Marcio Alaor- Trend Setter in Brazil’s Growth

Marcio Alaor is the Vice President of Banco BMG, however, this man does not stop there. He has his own blog, where he discusses news not only in his own market sector but other places like television. One of the many highlights that Marcio has on his blog, is the expansion and growth of cities within Brazil. One of the main things Alaor has tried to do is move cities like “Sao Paulo forward. That is exactly what he has done from 2014 to 2015,” (Alaor, 2016).But that is not the end of it for Marcio Alaor. He has helped BMG successfully negotiate the convergence of Itaú Unibanco with BMG. “BMG will control 30% of revnue. This translates into funding for BMG at a monthly credit of R$300 million,” (Marcilio de Moraes, 2012).

BMG has also converged into the athletic world. “Since 2010, BMG has sponsored Brazilian football with over 39 printed uniforms,” (Alaor, 2016). Alaor is part of the executive team that pushes the nation to thrive and grow the business to new heights. Which is why Alaor is such a trendsetter. At the 33rd edition of Expose Samonte, Marico Alaor was inaugurated. “Local officials wanted to make sure that they raised adequate popularity to the occasion because this monumental occasion goes to show, you should never forget your home town,” (Dino, 2015).

It goes to show just how impressive Marcio Alaor’s reach is. He not only wants to grow BMG, but he is concerned with partnerships that will further rural areas. Vilmar, at the 33rd Agricultural Exhibition of Santo Antionio de Mote stated, “We, the Rural Union, have many ideas to help our farmers and we need more partnerships like yours. Our board only has to thank Marcio Alaor’s generosity.” (2014)

Ricardo Guimarães Is Brazil’s Banking And Soccer Innovator

The United States has been building a presence in the Soccer world for years. United States soccer teams have become top-notch teams on the international soccer circuit, and those teams have learned a lot by watching Brazil’s soccer players. Brazil has always been a force in soccer, but over the last fifteen years Brazil has become even better thanks to men like Ricardo Guimarães, who eats and sleeps soccer. Ricardo Guimarães is the well-known banker that decided to use soccer to market bank products in 2008. That decision has made his bank, the BMG Bank, a leader in the payroll loan business in Brazil, according to an article posted by

BMG Bank isn’t one of the top banks in Brazil in terms of assets. There are several banks that are government controlled and other banks that have been in business longer than BMG that have more assets. BMG Bank got started as the Land Credit Bank of Minas Gerais in 1930. Ricardo’s grandfather, Antonio, started the Land Credit Bank after making a fortune in the mining and cattle industry. An article posted by talks about the relationship between Antonio, son Flavio, and grandson Ricardo, and how the men became one of the most influential and wealthiest banking families in Brazil.

Antonio and Flavio Guimarães set the banking stage for Ricardo, but Ricardo made the bank what it is today. BMG Bank is a leader in the payroll loan business in Brazil. Payroll loans are low-interest loans that employed Brazilians can apply for and then guarantee them by using their income as collateral. BMG uses more than 700 agents around the country to sell those loans, but the most important salesmen for the loans is Ricardo.

Ricardo Guimarães has singlehandedly turned BMG Bank into a banking powerhouse by advertising and sponsoring soccer players and clubs. According to an article posted by, BMG Bank is the most influential bank in Brazil when it comes to helping people get payroll loans. Soccer fans love the BMG Bank because the bank has become part of the sport of soccer. Players across the country wear the BMG logo and soccer fans love the bank’s three orange letters.

It’s not just soccer that BMG Bank uses to promote bank products. BMG Bank signed a sponsoring agreement with tennis great Marcelo Melo, and he will wear the orange BMG logo when he is on the court at the Summer Olympics. Melo is considered the best doubles player in the world, so the exposure that BMG Bank will get is priceless, according to Guimarães. Ricardo Guimarães is a banking and soccer innovator, but he is also involved in helping Brazil get out of the recession that has been going on for the last two years.

BMG President Started The Bank

BMG is one of the top banks in Brazil, but it did not become that way just from good luck. The bank has had many hard workers who have worked endlessly to ensure that the bank would continue to be successful and the clients would continue coming to the bank. It is a bank that rose out of average to something much greater than that. The bank is successful only because the people who work for it have made3 it successful. The success is not a result of luck or good work on the part of the bank, but has happened because people have worked to make it happen. There are many positive sides of the bank and all of these sides have been made possible because the bank, and its president, have worked to make them happen.

The bank was not always one of the best banks in Brazil. It started as a humble bank that did not have a very big customer base. It was never intended to rise to the level that it has achieved since the purchase of the bank by its president in 2004. The bank has seen greater success in that time, more than it was ever intended to. There have been major advancements of the bank since this time and it has been able to become one of the top banks in Brazil due, in part, to the hard work of both the employees and the owner of the bank.

Ricardo Guimarães is the president and owner of the bank. In 2004, he took over the bank after a nearly 25 year history with the bank. This happened at a nearly perfect opportunity which allowed him to continue to make the bank even better of a place for both customers and employees. The bank was not necessarily failing when he took it over, but it definitely had opportunity for improvement in investments and account areas. After he took it over, the bank began to truly flourish and become a better place for customers to choose to do their banking.

Ricardo Guimarães was not always the president of the bank. Before he purchased the bank in 2004, he was the CEO of the bank. He held this position from 1996 until his acquisition of the bank in the early 2000s. Before the time when he was appointed CEO, he was the financial executive officer. This position was held in the 7 years from 1989 until 1996. He began working at the bank in 1980 and worked his way up the ranks until that time until he was eventually able to acquire the bank at an opportune time in his career and the bank’s life.

Igor Cornelsen Has Become Smart About The Stock Market

It’s not easy to push oneself to learn a lot about a certain subject, especially when that subject is something as complicated as the stock market is. It’s not easy to force oneself to put in years of work toward doing something like that, but Igor Cornelsen has never expected it to be easy. He just knew that it was something that he wanted to do with his life, so he made it happen. He took all of his ambition and put it toward learning all that he could about what is good to do in regard to the stock market, and what mistakes can be made, so that he could one day be a man who knows more about this subject than any other.

Igor Cornelsen’s time spent studying the stock market has taught him a lot. He now has some great strategies for those who are investing because he has found out what does and does not work in the stock market. He has found that there are many corrupt companies out there, and he advises those who are investing to make sure that they do not go with a company like that. He tells them that careful research must be done before any company is trusted with their money.

Another thing that Igor Cornelsen has learned is that it is always best to invest in a company that is sure to stick around for many years to come. Food is a great area to get into, and when one invests in a food company they’ll be able to feel confident in their investment.

There is much more that Igor Cornelsen has to say, and every bit of advice that he has to offer should be greatly respected. He took the time to learn all of this by studying the stock market carefully, and he has become smart by doing that.

The Best Ways To Pick The Most Cost-Effective Law School In Brazil

Picking the right law school can be challenging. There are so many things you have to consider. One, you need to consider the cost. Two, you need to consider why you are there. What are your career goals? Will your goals match the money you invest?

Let’s look at some things you need to consider when applying to a law school.

1) Before you become a first-year J.D. candidate, map out what you want to do. Know where you want to go. This is important for any law student. If you are still up in the air at this point, you need to seriously question why you are in law school. I’m saying this to help. Have a plan of attack and make it as detailed as possible. This will also help you weigh the costs of going to a specific school. Don;t just choose a school because you are looking to be with your friends.

2)Scholarships are also big one. There is one specific question that needs to be asked with scholarships:

“Are the scholarships there for all three years?”

This is important. Too many students have let this ride. This came back to bite them later on. Always read the fine print.

3)Attending part-time might not be the best option. Yes, you will be earning money along the way; but, it might not be the best option. Why? The demands of law school are quite large. Too many students have found it nearly impossible to keep up with work and school at the same time. They found it to be too tiring. In the beginning it might be okay, but it will wear on you. Mark my words on this one. It comes to either students dropping out of school or dropping the job. You have to choose which one is more important.

4)Higher ranked schools are not always the best choice. Higher ranked schools are also more competitive. The lower ranked schools you can also get more of a discount with. The higher ranked schools are more about prestige. This should not be the main reason you choose a law school. Your law school should be based on the quality of education, not what society thinks is best. Sometimes the lower ranked schools can give you the same thing, just at a discount. Think about this.

When making your choice, think logically. Do not think emotionally. Do not just choose a school to be next to your best friend. Chances are, you are not being factored into your best friend’s choices. You need to take your own path. That is exactly what Ricardo Tosto De Oliveira Carvalho did.

Ricardo chose his own path. Now he is one of the top, and most respected lawyers in Brazil. If you have an interest in credit recovery law, you need to research Ricardo. He can tell you everything you need to do to make it. He is one of the best when it comes to helping his clients with financial recovery. If this is your field of interest, you need to put him at the top of your list.

Here is a small excerpt of Ricardo’s background to get you started.

Ricardo Tosto de Oliveira Carvalho one of the founders of Leite, Tosto e Barros Advogados. He is also a partner in the firm. He works specifically with clients who have issues with debt recovery. He also helps clients who are having issues with banks. He also helps out with disputes in civil and commercial rights.

He is a member of the IBA and sits on the Board of Directors for the CESA. He also is a writer and gives lectures. If you would like to have him come speak to your law class, ask him to. He does these lectures all the time. He is someone the students need to learn from and fast.

Eucatex’s Production of Wood Products Takes a New Turn

As Brazil’s economy continues to attract investors from all over the world, the country is gradually making remarkable strides in the right direction as far as investor retention strategies are concerned. For this reason, great investors like Flavio Malouf have come out to inject a considerable amount of resources to the economy hence boosting its growth. Malouf is one of the greatest entrepreneur in Brazil and being a native he understands the market very well. He is born to a business family and his father is also a great businessman in the country although he is also a former political leader. Malouf has however built his own business empire without using his fathers’ political or business shadow as a means to get ahead.

Camara Barbacena says as the head of Eucatex where he is the CEO, he has been very adamant that the business community needs to research and come up with measure that will help in creating sustainable production of products. As a result, Eucatex has been a champion crusader of the environment pushing for sustainable production of wood products in the country. Brazil has the largest forest stretch in the world but this is not a reason for reckless production of wood production. The company has been involved in different environmental campaigns that have been advocating for sustainable business practices. As such. Eucatex has come up with a new wood product that the company anticipates will set the trend in sustainable wood production.

Eucatex’s new thin wood panels have taken the Brazilian market by a storm and people are currently turning to this product rather than the regular thick block panels that were being used earlier on. This new innovation has propelled the company into a more elevated market position in the wood products industry. As a means to reduce the environmental degradation through the destruction of forests, the company has come up with a new strategy that will aim at using little amounts of timber while still getting the same satisfaction as before.

Luckily for the company, the product has been well received in the market and this is in line with the company’s anticipation. More people are choosing to go for the new thin panels and the market for this product is gradually showing major and admirable improvements. In fact, the company is actually looking at better chances of going regional since this new product has gained popularity even around the Latin American region. As such, the opportunity to go regional and get into large production is inevitable. As such, the company’s returns prospects are high considering the advantage of mass production and the economies of scale. Eucatex will have achieved two of its very important goals all at once, sustainable production of wood products and making profit.