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Banco de Minas Geras SA (BMG) is a Brazilian financial institution privately owned and controlled by the Pentagna Guimaraes family. For over 80 years, the family has been involved in the financial industry beginning in 1930 when they first established Banco de Credito Predial SA, the name of which was later changed to BMG. BMG has been at the forefront of the financial market by providing a variety of products and services to individuals and businesses. Known for its sales strength, operational excellence, with a tradition that customer rely on, BMG provides such products as Payroll Credit Card, vehicle financing, home equity loans and more. . Anticipating changes in market trends and movements has been an asset to BMG, providing customers the best service possible.

BMG has a management team with experience and professionalism. It relies on its Board of Directors to maintain its high level of governance practices, and its management teams ensures that BMG follows ethical standards above and beyond many other financial institutions.

Ricardo Annes Guimarães is an owner of Banco de Minas Gerais SA is and also serves as its president. He began his career by working with Grupo BMG S.A. de C.V. in 1980. Later, he became its Financial Executive Officer in 1989 after graduating from Una – Faculdade de Ciências Gerenciais the year before with a degree in business administration. He has served as Chief Executive Officer and President of Grupo BMG S.A. de C.V. since June 2004.

BMG has a reputation of being conservative and continually works to increase the profitability of all products provided. It accomplishes this by goal maintaining responsible credit and the high quality of its customer portfolio. BMG realizes the importance of having a competent, knowledgeable staff and employs individuals who work on and with teams providing customers with the best services possible.

For over 80 years, BMG has provided quality service for its customer base. With a keen eye for new trends and innovations that can better meet customer needs, BMG is the leader in the financial market.

Susan McGalla Rising through Ranks

Susan McGalla, 41, is an American Business woman who is the founder of P3 Executive consulting. She has been able to succeed in her career which she attributes to confidence. Susan McGalla is one of the women who have made it to executive positions in their places of work. Since she grew up in a household of two brothers and her father was a football coach, she was encouraged to present her ideas confidently. As a result, she has always been comfortable with men and not afraid to express herself. This has led her to take reins. She has become very successful in her career which has previously been dominated by men.
Between 1986 and 1994, Susan held various marketing and managerial positions at Joseph Horne Company, a Pittsburgh department store. Later she served at American Eagle Outfitters where she started out as the divisional merchandise buyer who specialized with women’s cloth. She then become the president and chief merchandising officer of the American Eagle brand, the company’s flagship, which paved way to her role as the president and chief merchandising officer of the whole company. As its president, Susan was in charge of launching the company’s aerie and 77 kids brands. In the year 2009, she left the company to become a private consultant for the retail and financial investment industries. In that same year, she was given a seat in the board of directors of HFF Inc, a leading provider of commercial real estate and capital market services.
She then joined Wet Seal Inc. and become its chief executive officer in 2011.During her time at Wet Seal, she oversaw the improvement of the product trends and quality. She then left the company the following year to start her own company. She started the P3 Executive Consulting, a company that provides big financial players with answers to questions concerning retail and clothing sectors. The company initially dealt with a wide variety of brand, supply chain and organizational development. She is an expert when it comes to branding, product merchandising, operational efficiencies, marketing and talent management. Furthermore, she has a bachelor’s degree in Business and Marketing from Mount Union College. This makes her and the company a reliable place for clients to seek help. Recently, Susan has joined the Pittsburgh’s Prize NFL franchise, The Steelers. She is the director of Strategic Planning and Growth for the Steelers.
The secret behind her success is her dedication, hard work, passion and most of all her confidence. Her creativity and tireless work enabled her to receive several job offers that have then been the foundation of her success. She has made major contributions in the companies she has worked for. She has also been a great motivator of women aspiring to take careers in businesses. She encourages women to follow the same path that she and other successful women have taken and voice their opinions with confidence. Having held various positions she has moved to the top and being among the few women who hold executive positions in major companies.

News About BMG And Marcio Alaor

Bank BMG in Brazil has a long and very productive history. BMG is a privately owned company with strong roots in the Brazilian financial market. The financial institution is one of the most highly regarded in Brazil by their clients. Marcio Alaor is the BMG Vice President and Director. Here is something to note: The leading financial institution provides a number of financial services to their clients. For example, their clients are allowed to deposit funds in the bank. The bank also provides loans to numerous small commercial businesses in the country. Let’s take a closer look at BMG.

New Beginning
BMG is a leading financial company that is managed by Marcio Alaor, the BMG Vice President and Director. The main reason that it is one of the top financial institutions in Brazil is because of their unique philosophy. BMG believes in listening to their customers and addressing their needs. The fact is that a large number of banks really do not listen well. They only market services that they feel are profitable for them, instead of responding to their customer’s needs. Therefore, BMG is currently devising strategies to address those needs promptly. Certainly, this very responsive strategy should identify the institution as a high quality financial operation.

Why BMG Succeeds
Is there a formula to financial success? Well, BMG has certainly made a dramatic impact in the Brazilian financial landscape. Perhaps, it is the organizational structure and their strong philosophy that led them to success in Brazil. For example, BMG believes in building a powerful team. Therefore, they only hire the best people to fill their organizational ranks. Certainly, this adds value to the organization and provides quality services to all their customers.

Entrepreneur Spirit
BMG is one financial institution that recognizes the entrepreneurial spirit in Brazil. In fact, they were one of the first financial institutions to work with smaller companies, providing them with payroll solutions for current employees, retirees, and those that were on pensions. They are also responsible for building new platforms and offering numerous credit solutions for the smaller businesses in the country. Currently, they are in the process of designing new platforms for their customers to help solve their payroll and financial obligations. Certainly, Marcio Alaor, the BMG Vice President and Director, is the main force behind all the decision making process that should attract more customers and investors in the organization. Today, numerous investors are realizing that BMG is a great investment for them and BMG customers.

White Shark Media Goes Deep Where Other Digital Marketing Agencies Fear

For those who work in the service industry, the motto “The customer is always right,” still holds truth, even in the fast-paced online world.

A happy customer is a good thing, and when the customer is upset, well it’s not a great feature for business, so aiming to please is something companies try to do again and again.

The customer might not always be right, and we’ve all come across that from time to time. For instance, some customers might have unrealistic expectations no matter how hard the company tries to please them, but that is actually in the minority.

So, what’s the proper approach that keeps a company thriving?

It boils down to image and excellent public relations; just ask experts like White Shark Media. They understand it from the perspective of a company owner and focus exclusively on developing the company’s brand. It’s more than just having a cool and memorable logo; White Shark Media helps the client improve their message, such as what customers can expect from a company’s products and services, and how it differentiates the company’s offering from their competitors’.

White Shark Media is a digital marketing agency designed to assist small and medium-sized businesses to grow their company and image online and find successful marketing solutions. The White Shark pros help companies by performing several techniques like these:

They schedule monthly status calls with Go-To-Meeting, an online conference tool for reviews. This keeps the lines of communication open.

They encourage phone systems with direct extensions, so that the client’s contact person is always accessible.

They track the client’s AdWords performance in-house to ensure better company performance for the client.

These are just a few aspects of the White Shark Media system. These experts understand the company/customer dynamics and continue providing superb PPC Management, SEO, and Web Services to SMBs. They deliver results by offering the client full transparency and no contracts.

White Shark Media is active on social media, too, with a popular following on Twitter. The agency posts helpful tweets on building a better brand. The company is headquartered in Miami with offices in Atlanta and Denmark.

Writing Books is Either Ego or Money Inspiration says Marc Sparks

Being a published author myself, I can mostly agree with Marc Sparks about his answer to this question that he was asked at least 100 times before he finally answered it. He was asked after writing his book, They Can’t Eat You-My Unorthodox Path To Outrageous Success, “Why did you write a book?” His answer was short and simple. It is because of ego or money. That is true for the most part. However, I do think it can be both and not one OR the other. Writing a book will allow others to experience and learn about the life, work or story of the author, who is likely very notable for having accomplished something. Better yet, the author is someone who can tell a great story with many strange and compelling sub plots and an astounding main plot. What is so impressive about story tellers is their command and control of the entire effort. It is a mystery to many how these books are written.

For those who write money driven books, Marc Sparks says they suffer the most difficult task. He says that it is extremely difficult to sell many books. This I can say is the truth. I have noticed that the people who can sell their books and get on the New York Times Best Seller list are those who have radio talk shows, or are talking heads on news shows. They are also people who have had a well publicized misfortune that captivates a large audience who might buy the book, or someone who is very popular in iconic terms. Most books don’t sell. The ones that do are less than 1/10th of 1% of all books in publication.

Marc Sparks may be right about this as most well accomplished people are this way because of very strong ego driven desires. Big egos will need to make a big noise in the world and then let everyone know about what they have done by writing a book. The good news for these authors is that many people will want to read about their very interesting lives and the things that they know and what they have done.

Marc Sparks found writing difficult to endure as he had to complete this book he wrote in 3 years after 11 full drafts. He says he got through it after almost quitting by living by his virtue of always completing things that he starts. I admire his efforts and wish that I had a life of spiritual success to brag about as he does of his material life.

Source: Marc Sparks Blog

Keyword Innovation: Gaining Top Rankings in SERP

Using the right combination of keywords is perhaps the most important part of your SEO strategy. However, there is a wealth of information on the Internet about SEO and SEO keywords, which may lead to ‘information overload’. To make things easier, here are few tips that you can use to ensure a viable long-term success for your website.

Using the Keyword

First, try to sound natural, which means that you should not stuff your Meta tags, title pages and relevant information with keywords. It is a black-hat tactic that may help you get better rankings in the short-run, but you are likely to run out of fuel very soon. Instead, try to look neutral by placing your keyword once in the title page and Meta tag. Besides, you should also use it at least once in the main headline. As for on-page content, experts suggest using the keyword or variation of keywords two to three times, maximum. It is also a good idea to use these keywords once in the beginning of your article and once at the end.

Use Variations

As part of your keyword strategy, use different variations of keywords. For example, if you own a home painting business, it is better to include keywords that also define different aspects of painting including ideas for interior painting. Actually, it is better to write a small article on home painting tips so you can target potential customers who typed keywords pertaining to ‘paint ideas’ rather than ‘paint shop’. To make things easier, it is better to group your keywords in categories. The first category may target customers looking for information such as ‘painting a home’, whereas another category may target customers looking for businesses such as ‘interior home painters’.

Turn Keywords into Meaningful Sentence

As a last step, turn you keywords into real titles by turning them into meaningful sentences. For instance, try to write a sentence for the intent you are solving. In this case, keyword such as ‘professional home painters’ can be used in the title or Meta tag by turning that into more meaningful sentence such as ‘where to find professional home painter in Miami’.

Who Can Help?

For more ideas and practical tips, get advice from a reputable SEO marketing company such as White Shark Media. These digital media companies are adept in tackling SEO related issues discussed in this article. Just remember that you can get top spot in Google or any other search engine using innovative keyword tricks without resorting to ‘black-hat’ tactics.

Source: White Shark Blog

Tips For Real Estate Investment

Real estate is a great platform for investment. Although this is true, you may need some advice before you involve yourself with any real estate venture. It is very important to do some research on the current trends of real estate before you start investing in the same. There are some tips that can help you have an understanding of the market.




To start with, not all renovations are equally created. Statistics have shown that the best return for investment is a bathroom remodel. It usually costs $3,000 and will return $1.71 for every $1 spent. The poorest home improvements in terms of value are finishing a basement and kitchen remodeling. For example, a top of the line kitchen renovation may cost you about $22,000. You will only get approximately $0.51 each dollar spent.




The time to buy or sell is equally important as the cost. The worst time to sell in New York is the second week of December. Listings at this time went for 2.8% less than normal. The greatest time to sell is March as this is when homes sell for 2% more and even sell faster. It is therefore prudent to know the best and worst times to buy or sell in your area.


Starbucks effect


Let’s say two similar houses were sold in 1997. If one was near Starbucks, it would have gone for approximately $137,000. The same home not near a Starbucks would cost $102,000. One and a half decade later, the average home would have gone for $168,000 at the average appreciation rate of 65%. The one near Starbucks would have sold for $269,000 as the appreciation rate is 96%.




It is therefore important to ensure you make the necessary consultation before making a real estate investment. Boraie Development is a good example of a real estate company to consult. They have a 3 decade track record making it the best developer in New Jersey. The company uses their own capital as well as private capital sources like commercial banks as their main source of funding.

Why Now Is the Time to Invest In Gold


Everywhere you turn, you see investors and experts alike naysaying gold. They say that gold is finished as an investing vehicle. Some point to the fact that gold is at the weakest demand that it’s been in the last six years. That, and the constant naysaying of so-called financial experts would have many people to believe that gold is no longer a commodity worth considering.

Of course, they’re all mistaken. Now, is the perfect time to buy gold. Unbeknownst to most, the next big bear rally is coming soon, and that rally will take the metal to new highs of at least 10% to 30%, according to several experts on the precious metal.

Many people are rallying against gold, and that is one of the reasons why now is the best time to consider purchasing it. There is so much confidence in gold being a poor investment, the market is literally betting against gold. And history has shown that the moment the market starts turning against gold, is a moment that gold starts picking up in value.

There are some experts do believe that the selling of gold will begin to weaken, and that the market even now is starting to show signs of seller exhaustion. Even though there has been a great deal of selling as of late, many experts do not believe that the selling trend will last much longer. And when the bear market kicks in, people savvy enough to have entered into gold will see gains for their patience.

Some analysts believe that gold is ripe for a rally in the next two quarters because of a lack of bearishness in the market. They believe that the trading range for gold will be somewhere from $1100-$1300 per ounce over the next two quarters.

Companies like U.S. Money Reserve specialize in gold and silver distribution. They provide access to the purchase of gold, silver and platinum coins. They employ a team of 100 individuals, including gold specialists, financial experts, coin research professionals, and more. U.S. Money Reserve offers a wide array of valuable coins, including mints that are authorized by Congress and produced with face value denominations.

This is a prime time for investors to take advantage of upcoming gold market fluctuations. The next few months will see a surge in the demand and value of gold, and now is the perfect time to prepare to take advantage of the coming uptick in the gold market.

Managing The Flux In Investment Banks

Investment banks mainly assist clients raise funds via debt and equity offerings. This comprises methods such as credit facilities with the bank, Initial Public Offerings (IPOs), issuing and selling bonds on behalf of the client or selling shares to investors via private placements. There are three principal areas of investment banks namely asset management, sales and trading (S&T) and investment banking division (IBD). Large investment banks usually provide all the three services while smaller ones deal with the investment banking division side and mergers and acquisitions (M&A). The investment banking sector is at times known as corporate finance and is divided into two: industries and products. They all offer advice on ways of financing transactions and mergers and acquisitions.

Investment banks are classified into a “bulge bracket” bank, regional bank, and a boutique. The bulge bracket comprises of larger banks and provides a complete service line to clients. Boutique banks depend on the size and range from small held shops to big enterprises. They usually deal with an industry or a particular product. A boutique is often started by a banker who has a passion for being his/her own boss. They specialize in one or more products and industries. They also specialize in small or mid-sized deals and clients.

If an investor is interested in a financial partner to take them through the intricate path of financing a business or managing assets they go for an investment banking connection. Investment bankers provide high profile persons with strategic planning advice. They usually advise such people about the excellent opportunies of making a public offering or in asset management. Jim Dondero, a Portfolio Manager of NexPoint Credit Strategies Fund, the Co-founder and President of Highland Capital Management is a successful investment manager who has over the years given investors prudent advice on their portfolios. James Dondero has over 30 years of experience in investment banking. As the founder of Highland Capital Management, an alternative asset manager dealing with high-yield fixed income investments, Mr. Dondero is an expert in identifying the right investments and the excellent time to invest in them. The firm is superb in providing high-quality investment banking that meets the expectations of all investors that deal with the fund.

James Dondero is a competent investment banker who over the years has brought investment bank’s access to investors, provided expertise in valuation and prowess in merging companies and markets. They also undertake riskier processes such as underwriting of assets beyond just advising clients. James Dondero has extensive skills that had its foundation from the University of Virginia where he pursued accounting and finance. He is also a Certified Management Accountant (CMA) and has been credited with the right to use Chartered Financial Analyst (CFA) designation.

CCMP’s Movement To Power Thanks To Stephen Murray

CCMP is one of New York’s largest equities capital firm, having a strong presence in stock market indexes, and a great team of leaders that know the waters of finance. It was formerly owned by JP Morgan & Chase Bank of Manhattan, but now it’s an independent company that makes business buyouts and conducts trades. CCMP’s latest closing fund reached $3.6 billion near the end of last year and Stephen Murray CCMP Capital reached now to $7.5 billion in total funds management. CCMP is headed up by Chief Executive Officer Greg Brenneman and Executive Director Tim Walsh. But the man who founded CCMP Capital and made it what it is today, Stephen P Murray just passed away last spring. It was known that Murray had cited a leave of absence due to some health issues, but his death was a shock to those that knew him.

Stephen Murray CCMP Capital on ccmpcapital grew up in the suburbs of New York City and attended Boston College to get his business degree. He got into investment banking shortly afterward when Hanover Manufacturers, soon to become Chemical Bank hired him. Murray took control of asset managing right away, overseeing the bank’s portfolio and making a name for himself as an investor. The Chemical Bank changed hands twice as Chase of Manhattan bought them in the 90s, only to then be taken over by JP Morgan in the 2000’s. While with JP Morgan, Murray started managing private equities and soon he became head of a buyout division that would make some key acquisitions for JP Morgan.

However, one big acquisition that had some of JP Morgan’s clients upset was an Irish pharmaceutical company called Warner Chilcott, now known as Actavis. Murray did what he thought was a good thing for the healthcare industry by making the buyout, but JP Morgan’s client threatened to discontinue business, so the buyout division split apart from JP Morgan. They then became CCMP Capital, an abbreviation that stood for Chemical, Chase, JP Morgan and partners to combine all the banks that had previously owned them. The firm still continues to work closely with JP Morgan, and Murray has actually said that he’s felt this separation has actually improved relations between CCMP and JP Morgan. CCMP continued its private equity transactions and today, their investments portfolio has some premier corporations such as PQ Corporation, Cabela’s, IMO Car Wash, Pure Gym and Quizno’s. Though the loss of Murray has been hard, his legacy will forever be embedded in the company.