Igor Cornelsen: Brazilian Banking Tips

Surprise Turnaround in 2014

According to Igor Cornelsen on tumblr, no one expected to see Itau Unibanco (ITUB) and Banco Bradesco (BBD) to do well amidst the troubled Brazilian Economy at year end 2014. In the third quarter of 2014, both Itau Unibanco and Banco Bradesco saw their shares rose. They also reported an increase in profit. Banco Bradesco’s profit grew by 36% and Itau Unibanco’s by 28%.

How Did They Do It?

People wondered how Brazil’s two top private banks were able to weather the storm. Igor Cornelsen said that knowing how the market operates helps, and also learning from past experience during those troubled times. Moreover, the top two banks only pass out loans to customers with excellent credit, which helps to cut unnecessary costs making the banks more secure. People with sub-par credit were forced to rely on public banks.

What is the Attraction?

Brazil boasts a tremendous amount of natural resources, and the population is increasing. With such an increase, there is a high demand to develop infrastructure. Brazil is among one of the world’s top food producers.

What to Do Before Investing

Igor Cornelsen has prepared a little cheat sheet for investors to follow. Currently, Brazil is seen as the largest economy in South America. First, Banco Itau has increased its profits since merging with Unibanco in 2008. Other successful banks include Banco Bradesco, Caixa Economica Federal, HSBC, and others.

Secondly, Joaquim Levy, the new finance minister, is seen as hope for the banking economy. He has earned a Ph.D. from the University of Chicago, and he has worked for the IMF. He knows how to create policies and how to work with the private sector. Levy is fairly new, but people are still hopeful given his background.

Thirdly, keep an eye on China. Both Brazil and China are wrapped up in trade agreements. If China has a healthy economy, it means that Brazil will see a price increase in their raw materials. On the downside on ireport.cnn.com, China is an enormous competition for Brazil when it comes to exporting industrialized goods to other Latin American countries. Knowing how a country’s trading partner operates will help in making critical investment decisions.

Finally, Brazil’s currency is overvalued making the exporting of industrialized goods lose its competitive edge. It has also created an account deficit. To make up for the loss, Brazil’s Central Bank had to sell dollar swaps in the local market. As a result, the currency is still overvalued.

HOW TO MEET ONLINE AND THE CARE YOU SHOULD TAKE WITH YOUR TEENAGERS

Nowadays, finding that special one is easy. You just go online and search them. But is it as easy as it sounds? One of the easiest ways to find that special someone is through Skout. It is a platform created in 2007 that has grown to became one of the largest platforms. It has over 500 million users spread across 180 countries and is available in 14 languages. Every day an astounding 10 million logging into this app.

 

Skout is a creation of Christian and Sesars. Christian is the CEO while Sesar is the COO. The two have steered the company the last few years, and it recently announced it was now a profitable venture after its many fund raising campaigns. Skout has other of shoots including Nixter and Fuse.

 

Skout has a new feature called Skout travel. It allows one to tour virtually different cities with a friend in that town. It has already been used by more than 10 million people and has seen some increase in tourism in some Asians countries.

 

Skout is just one in a pool dating apps available. It belongs to a category called the meeting and chatting apps. Other apps include Tinder that allows one to swipe right for the one you don’t like and left for ones you like. Tinder just like Skout is location based and can be filtered to your needs. Omegle, on the other hand, allows one to video chat with a stranger anywhere on earth and Meet me prides itself ability to connect people.

 

Messaging apps have also exploded. They are some of the most used by today’s teens. WhatsApp is the best example of this class. It today has over 1 billion users. It is restricted to +16 but has no way of enforcing its standards. Kik Messenger is a mere messenger that has an in-app purchase for one to chat with many people. Oovo is a free video, voice and messaging app.

 

Microblogging apps and sites include Instagram and Tumblr. Instagram allows one to post pics and videos. A well-placed hashtag with location set will increase the likes as it is visible by many people.

 

Twitter is a microblog too. It allows you to post 140 character words that are instantly tweeted. You can follow your friends and retweet their posts. It’s hard to delete such post once they are gone. Vine allows one to post 6-second looping videos. They are mostly witty and creative.

 

Another category of apps involve those with time coded messages. They will auto delete after a set time. Burn note, snap chart, Whisper and Yik Yak, belong to this category.

Learn more about new apps at Examiner.com

Want to dress like a true Steelers fan? Easy! They now have a brand new fashion site!

What do you think about when you hear the name Pittsburgh? Sports, that’s right. And if you walk down the legendary Strip District, you will get to see an endless number of people wearing jerseys from their all time favorite teams. If the Penguins and the Pirates have dozens of thousands of fans, it is the Steelers who definitely won the heart of all the Pittsburghers. In 2015, the Steelers decided to treat their fans with something special, a new fashion line, easy to purchase online through their new website https://shop.steelers.com/. Every Steelers fan can now purchase very varied items of clothing, from cute black pants to men shirts, from hoodies and dresses to extra soft scarves and fun hats. It’s never been easier to find the perfect gift! The magic person behind the launch of this new Facebook website? Susan McGalla, an accomplished businesswoman and a Pittsburgher herself. If she held successfully in her career many prestigious positions, she is mostly famous for being the former president of American Eagles Outfitters Inc. in the beginning of the years 2000. In 2009, she left the company but only to become a private consultant, specialized in retail, financial investments and strategic plannings. As an extremely well respected member of the community, Susan McGalla was also part of the board at the University of Pittsburgh for several years. Susan McGalla is now using all her expertise and dedication to foster and grow the iconic Steelers brand. She is not only responsible for giving the fans a brand new wardrobe. She is also the person who had the idea to make the shop easy to use and easy to explore, no matter what type of electronic device is used. She also approached brands as famous and glamorous as Nike Golf or Victoria’s Secret to create special products designed for all the Steelers fans. Susan McGalla’s new approach to social media and her desire to make the brand more fun and accessible is also one of her many assets.

Men Are Turning Into Fashion Shoppers

The days when men would come to work with a plaid shirt and a pair of gaudy striped pants are gone. Well, not really. A subtle plaid shirt and mini striped pants could be considered a fashion statement by certain men these days. Men are taking risks when it comes to dressing in the 21st century, and women across the country are saying, “It’s about time.” Modern men have turned into clothes horses and fashion mavens, and the clothing and accessory industry is working overtime to please them.

The question on everyone’s mind is what happened? When did men wake up and start understanding that what you wear is an expression of creativity? The answer is men are finally able to shop without the hassle. They shop on the Internet because there is no wait, no lines, and online stores are open 24 hours a day. Men can express themselves without someone looking over their shoulder and telling them their color choices don’t fit their personality. Men are free to be men in any way they choose, and their choices have changed the direction of men’s fashions.

There was a time when men wouldn’t shop for shoes unless the soles on the one pair of shoes they wore were splitting at the toe or coming apart at the heel, but those days are gone. Companies like Paul Evans Footwear are giving men the chance to pick quality leather footwear that speaks to them. The New York-based designers at Paul Evans have developed a line of men’s fashion forward looks that can’t be found anywhere else. Men can find their size, their color and their style with a few clicks of a mouse.

Paul Evans Footwear is designed using the finest calfskin and side leathers available. Each shoe is handcrafted in Italy. The Italian factory takes extra care and produces each pair of shoes just like the old days. Paul Evans Footwear is all about quality, not quantity, so every shoe is different. Men pick what they want from a compact collection that contains every look in men’s fashion. Style, color, and size are never out of stock because Paul Evans Footwear makes what is ordered. There is no mass production line that produces shoe lemmings that reek with sameness.

A recent article published by BusinessInsider.com explains how and why men are shopping in the 21st century. The tide has changed for men. They want to express their creativity, but they want to do that on their terms, not at the mercy of brick and mortar stores.

Handy Is The Best Choice For Those Who Need A Service Performed In Their Home

Even with $38 million in funding, Homejoy Inc. was not able to stay on top of their business and keep pressing forward because they have now filed for bankruptcy. The bankruptcy news comes not too long after the company announced in a blog post that they would be shutting down. Homejoy Inc. is stating that one of the biggest reasons for their downfall is because of the regulations in certain areas, which want a reclassification of their workers as regular employees as opposed to being independent contractors. Having to classify someone as an employee would easily raise Homejoy’s overall worker costs tremendously, which may have ultimately led to closing the business.

Although Homejoy Inc. will no longer be in business, Handy, a competitor, is still doing well, especially in the home cleaning area. Many persons want their homes cleaned, especially since they have to divide their time between work, family, and chores around the home. Some simply don’t have the time to clean their homes when it’s necessary, and if a big event is coming up, it’s a good idea to get a home cleaning service in place of taking the time to do the cleaning one’s self. Handy has many certified home cleaners that are very professional and know exactly how a home should be cleaned.

Those that work for Handy as a home cleaner have the training that brings them up to Handy’s standards as well as some experience of their own. Many home cleaners have done the work for years, so experience is not a problem. Once a family chooses to get home cleaning services, then they simply need to go to the Handy website and book the cleaning services for some time in the future. It’s possible to get someone out to clean a home just one day later, so those with time restrictions can still be assisted. Handy not only cleans homes but has many different home services that are listed on their website, and it’s a good idea for those who need any kind of work done in their home to take advantage of Handy’s services.

About FreedomPop’s Expansion Into International Markets

FreedomPop is the pioneer and most respected mobile virtual network operator. In a recent press release, it made an announcement that it would be offering discounted mobile phones and free mobile phone communication services. FreedomPop said that customers who signed up for its services through November 2015 could also pick up a Motorola E smartphone for only $40 which is a $190 discount. On the other hand, customers could also pick a Samsung Galaxy S4 smartphone for just $100 which is a $350 discount on its normal selling price. Although the phones were refurbished and not the very latest at the time, they included support for LTE services which is a requirement for running on Sprint’s network.

Upon buying, customers were allowed to enjoy one free month of unlimited talk time, internet and messages. After exhausting the free goodies, they were allowed to subscribe to the company’s offer of 500 megabytes of data, 500 call minutes as well as 500 text messages. The company was launched in 2012 and after a few months since the announcement was made, it expected to hit 1 million customers.

A few months before the announcement, the company had made a funding deal from Intel Capital, and it planned to use the funds to expand its smartphone portfolio. The funding came just after another $10 million investment it had received from a major mobile phone operator in the Asian region. The second funding was scheduled to enable the company start offering free mobile phone services and plans to millions of people in the Asian region.

FreedomPop, as the name suggests, is all about freedom. It is a wireless mobile phone and wireless internet service provider based in the United States. Since it started, it has been providing wireless data, text and voice services on two major mobile phone networks.

The company also made announcements that it was entering the UK market with similar services using the country’s Three mobile network. The entrance was successful and just like anticipated, the UK market embraced the new service with open arms. In the future, the company intends to enter other international markets with the same model. The company’s founders firmly believe that their model is what the whole world has been waiting for regarding cheap communication via the mobile phones. In the recent couple of years, the company has also been able to make very tremendous steps when matters related to getting funding for expansion are concerned.

Beneful before and after Pregnancy

I have a kennel for breeding purposes with the breed that I am associated with. They are a high energy hunting breed, but their needs throughout the breeding, pregnancy and birth periods are the same as any female dog going through the rigors of motherhood. I am an experienced breeder, so I understand that this requires several types of nutritional requirements. However, the available brands of dog foods rarely encompass this type of nutrition in a single brand. This is why I utilize Beneful. I utilize this brand for all of my feeding needs, but their vast quantity of brands based on specific needs makes this process exponentially easier than old feeding methods. Just like in human mothers, certain levels of nutrients must be available in their systems prior to pregnancy to make the process easier on the mother and to have healthy pups. Failure to provide the proper nutrition throughout the entire process can have dire consequences after the puppies are born in extreme cases including infanticide and cannibalizing the pups. For my dogs, I feed Beneful Healthy dog at this point, and I have never had this nightmare occur to me. The protein is derived from chicken, so it is easily digestible for the female dogs. After they are pregnant, I feed Chopped Blends with salmon. The omega fatty acids in this brand have very discernible health benefits. This regimen has consistently delivered very healthy pups. I also may change to a Chopped Blends formula with beef to replenish their iron levels after birth and during the nursing period. However, after nursing, I will change to Beneful Healthy Puppy with real chicken for the pups. It is an excellent transitional food. For some of my dogs, I utilize Beneful Simmered with chicken or beef because they sometimes are unwilling to try dry dog food at this transitional time. Because Beneful is a massively diverse brand on Facebook, I can then transition them to the appropriate dry food. They are hunting dogs, so they are hyper active, and they must be fed in the field. This is why I eventually transition my dogs to dry food because it easier to feed dry food when we are afield, but some owners may not need to transition beyond one of Beneful’s wet brands because their variety is so vast.

Lime Crime: Changing Makeup for the Bold

Many makeup companies are dedicated to their customers, but they do so in a way that makes the customers want to cover up the parts of their face that make them unique. They work to cover up blemishes, show the people that there is something wrong with their face and even make them not want to use makeup. Lime Crime does none of these things and instead focuses on the positives of their customers’ faces. They want their customers to feel good about the decisions they make for their makeup and do so by allowing the customers to pick out what they want depending on their style and the colors that they love.

With everything from China doll face primer to electric green eye shadow, customers can pick what they like from Lime Crime. This allows them to be able to do what they want and can help the customers focus on their own personality. They will be able to do so because there are many different options that are offered by Lime Crime. All of these options are created ethically and are done in a way that can make the customers feel good about what they are putting on their faces. Not only are the colors great for customers to choose from, but they are also a great way to put something healthy on their faces.

Doe Deere is the founder of Lime Crime. She is the owner of the company and is able to provide bold choices to bold customers. She does this because she is a bold person herself. In the past, she had trouble finding makeup that was right for her fun personality while still remaining healthy for her skin. She was tired of the washed out looks offered by major cosmetics companies and did not want to sacrifice quality for colors that she loves. Her idea of providing high quality makeup in bold colors is progressive and has allowed her to remain a prominent feature in the world of cosmetics.

Despite scandals and hardships that have come along with the Lime Crime model, Doe Deere has been able to make the company a successful one. She works endlessly to ensure that her customers are satisfied with the choices they can make concerning their makeup. She does not want customers to feel like they must cover up their faces, which is essentially like covering up their personalities. She wants bold customers to have bold makeup that they can put on their face whenever they like. She does not want them to have to worry about where it came from or how many chemicals are in it. Instead, she focuses on the looks she can create for customers.

FreedomPop Mobile Discount Looks to Drive Big Customer Growth

In the highly competitive world of mobile service, a relatively unknown startup is making a move to capture a sizable chunk of the market by offering a highly affordable plan. The company doing this is called FreedomPop, and they have an amazing phone offer to pair with their appealing free data plan. FreedomPop is offering name brand quality mobile phones like the Samsung Galaxy S4 for $100, and the Motorola E smartphone for just $40; both offers from FreedomPop are 80% below the regular market price. But their offer goes beyond just the phone; customers need a data plan too to cover actually using the phone in a meaningful way. And FreedomPop is able to provide high quality service there as well, for a price that no one can refuse. The company will set customers up with an introductory free month of unlimited voice calling, text messaging and 1 gigabyte of cellular data. Then customers will transition to their free plan of 500 megabytes of cellular data, 500 text messages and 500 calling minutes.

The way that FreedomPop can do this is because they are what’s known in the business as a Mobile Virtual Network Operator. FreedomPop buys wholesale network access from major carriers like Sprint, and resales that to attract retail customers. So they were not involved in building the network, but they were able to buy a piece of it at wholesale price and it is up to them to attract customers to use the network. That is the ultimate goal of the virtual network operator: to attract customers to the network. This could set up the company to then sell itself at a higher price down the road, when the network gets closer to full capacity.

FreedomPop launched in late 2012, and has guided estimates for 1 million customers by the end of 2015. And it looks to keep growing as it builds relationships with other operators. For instance, it has gained investment from a telecom operator that serves more than 230 million customers in Southeast Asian countries of Malaysia, Indonesia, India, Bangladesh, Singapore, Cambodia and Sri Lanka. FreedomPop’s plan gives it the real capability to offer a free mobile service and simple plans to millions of new mobile users. The FreedomPop CEO, Stephen Stokols, is focusing currently on tapping this exponential growth market with his company’s capability, and says in the future the company may look to pursue being acquired.

Employees Safety and Protection in the Current Economy

Handy is an experienced company that deals with all types of home services. To get these quality services, book on their free app and get experienced personnel’s working for you. Services provided by Handy.com ranges from plumbing, furniture assembly, interior house painting and cleaning services.

Handy has experienced professionals who are registered and insured. Handy.com has qualified professionals’ who works in a friendly manner, putting into practice and observing the code of ethics. Handy offers a full reverse of money paid to them if the client is not satisfied with the work done.

Oisin Hanrahan, the Chief Executive Officer of Handy, works to provide education and training to employees. Hanrahan focuses mostly on employees’ protection from market disruptors. Currently, Handy is facing rapid growth and its evolving at a higher rate. The growth of country’s economy is affecting independent workers.

Good Work Code and call for portable benefits are the only initiatives that can offer safety and stability of employees in their security of full-time jobs. Greg Nelson, a former President Obama adviser, led a coalition that supports flexibility and benefits for workers who works on contract basis.

Greg coalition mobilized Chief Executive Officers of big companies such as Handy, Lyft and Instacart to unite capitalists with policy and academics professionals. The coalition agenda was based on urging employers to provide their employees with safety insurance, without considering the job assigned to them. Greg viewed this as a way of advocating for equity among the workers.

The policy should cater to the employees when they seek medical attention and when they are in need of professional growth. In the letter released by the coalition, workers should have a simple way of receiving benefits accrued to them.

The Good Work Code initiative campaign focuses on guiding companies that offer their services online into the observance of stability, safety, and advancement opportunities. Companies such as VetPronto and Care.com subscribed to this campaign.

In conclusion, employees should be accrued portable benefits and Good Work Code. Increased benefits will motivate employees to work more carefully and offer quality services to clients. Provision of portable benefits should not major on job classification.

For more information visit:

http://www.govtech.com/applications/Rise-of-Gig-Economy-Spurs-Calls-for-New-Workers-Protection.html