Lazaro Brandao Steps Down From Chairmanship, Appoints Luiz Carlos Trabuco Cappi As Successor

Lazaro Brandao, the 91 year old father figure of the Brazilian banking giant Bradesco, has announced that he will finally step down for the last time this month. In his place, Luiz Carlos Trabuco Cappi will become the first new chairman of the bank’s board in more than 27 years.

The announcement, while not surprising, was met with a certain lack of enthusiasm among many stakeholders in the firm. For more than 36 years, Brandao has been an icon of Brazilian banking and has risen to the level of a sort of spiritual avatar of the firm that he has led. Over his 27 years as chairman, he has overseen the period of the bank’s strongest growth and greatest prosperity, securing him a place in the hearts and minds of shareholders that non-founding executives of companies rarely are able to occupy. Lazaro Brandao has, arguably, reached the same stature with Bradesco’s shareholders that Sam Walton and Warren Buffett have reached with theirs.

The Rise of a Legend

Brandao’s departure marks the end of an era for Bradesco. After first coming to work with the bank in 1943, the first full year of the bank’s operation, Brandao was quickly promoted up the ranks. In 1981, he became CEO, a position that he would hold for the next 18 years, making him the longest-serving CEO in the bank’s history. In 1990, he also became chairman of the board, a position that he held concurrently with that of CEO between 1990 and 1999.

Such was the success of the bank throughout Brandao’s period of leadership that no one else within the firm comes close to his claim as the key figure in Bradesco’s history. No one, that is, except Luiz Carlos Trabuco Cappi.

Read more on g1.globo.com

Like Brandao, Luiz Carlos Trabuco Cappi began working at the bank while fresh out of high school. He had aspirations of attending college but didn’t have the necessary funds to do so. He quickly proved himself to be an able employee, moving up through the ranks, eventually landing as a regional manager. Throughout the 1970s, he was able to put himself through night school at one of the most prestigious universities in the country. He eventually got a bachelor’s degree in business administration as well as a master’s degree in social psychology.

By the early 1980s, Trabuco Cappi had amassed one of the most impressive resumes in the bank. In 1984, he was appointed to his first real executive role. As head of the firm’s marketing department, he was able to institute a number of highly effective changes that would prove to be instrumental in the company’s expansion throughout the 1980s.

In 1992, he was appointed to head up the company’s financial planning division, which had been stagnating under less than competent prior management. There, Trabuco Cappi began innovating, devising a tiered banking system that deliberately catered to high-net-worth clients. The strategy eventually proved highly effective, with Bradesco nearly cornering the high-net-worth personal banking market, driving tens of million in new capital onto the bank’s balance sheets.

In 2003, Trabuco Cappi was again promoted, this time, to the head of the bank’s insurance underwriting unit. As the head of Bradesco Seguros, he was able to dramatically increase the volume of business the division took in. While he was there, Bradesco Seguros became the single largest underwriter of retail insurance policies in the country, surpassing even all the dedicated insurance conglomerates.

This impressive record has made Trabuco Cappi a favorite of Brandao. The latter has repeatedly reassured investors and stakeholders that Trabuco Cappi is the best man for the job, anywhere in the world.

See: http://economia.estadao.com.br/noticias/geral,trabuco-afirma-que-anuncio-de-substituto-pode-acontecer-antes-do-calendario-de-sucessao,70002039084

Robert D. Thikoll, the Technology Guru

Laboratories have never had it simple in making serial dilutions and thanks to Beckman Coulter technology, there have been advancements. Robots that can make several dilutions have been made. They can make several more than 28 tests in a day for a regular scientist. The robot is accurate without wasting samples and benches will remain clean.

The company manufacturing the products is located in USA and also manufactures various products like displays for special applications, centrifugation systems, chemiluminescence products that check dirt in water for example, research and discovery machines, flow cytometry systems, immunoassay, blood banking systems the nucleic acid sample preparation sample that as we have seen, helps the lab technicians in minimizing work and enables many tests to be carried out. These are just a few products, visit their site for more.

All these achievements have come about because of the good leadership of Robert Thikoll who has led the Beckman Coulter Incorporation in wisdom that has made results year after year. Their technology has gone beyond the normal force application that made only physical work easy but they have been computerized to analyze complex samples to give precise outcomes. Hydraulic lines have been removed and replaced by electronically controlled machines that are safe when in use.

Learn more about Robert Thikoll here: https://www.behance.net/robertthikoll/resume

AvaTrade Review: Providing Education and Assistance for Online Traders

Using the right software can significantly improve your success no matter if you are a beginner in Forex (foreign exchange market) or if you are an experienced trader. A useful software can help guide you in transactions and trades, as well as let you know when to hold and fold, determine when the dollar is higher than other currencies such as euro, yen and so on. All that in order to make sure that you get the highest returns when trading on Forex.

AvaTrade is a product that helps with all of that. It is an online trading platform for investors to use. The AvaTrade review platform focuses on providing investors with analytics of the Forex market as well as making information and guidance easily accessible to them. The platform is suitable for both beginners and investors with experience. For first-time users, the AvaTrade online trading platform allows a demo where the user can try out the service free of risk. AvaTrade puts a lot of emphasis on doing trading based on smart and informed decisions.

The AvaTrade online trading platform has many useful features. Whether you choose to trade with CFDs, or you are looking options lower risks and higher rewards, the AvaTrade platform will keep you informed. The Forex market never sleeps, and there are changes happening almost invariably. The platform will be your eyes and ears while you are away from it and take a break.

The platform of AvaTrade review is a regulated Forex broker. That means that there is no risk of illegality. The platform will create a trading plan for you based on your amount to spend or risk, and on the rewards that you wish to earn. This plan can help you make decisions and improve.

In order to provide education, the AvaTrade platform has a tool for that called Sharp Trader. It consists of information that can be a stepping stone for beginners as well as serve as a refresher if you would like to brush up on your knowledge.

The online trading platform also comes with a wide number of other features to make trading safer and more profitable for you.

More on AvaTrade reviews and membership options: http://www.avatrade.com/

Oxford Club Offers Investment Advice

The Oxford club is an independent financial organization initiated in 1989 constituted of members from more than 100 different countries around the world. Its primary objective is to give investment research. The club has analysts who use smart investment strategies for various levels of risk. That helps them achieve and maintain long-lasting wealth. Members of the club get to attend regional seminars, world financial tours and share information through online exchanges. The club researches hundreds of investment opportunities then identifies those with low risk but high profit. These are the opportunities that are shared with members.

Recommendations from the club cover real estate, collectibles, currencies, precious metals, equities, and bonds. The club is also involved in fundraising initiatives. An example is a drive for funds to purchase an X-ray machine for Roberto Clemente – Santa Ana Health Clinic. Oxford Club has an educational arm called Investment U. It was instituted in 1999 as one of the first independent financial education sites on the internet. It provides economic freedom advice through courses, conference, free e-letter called Investment U daily, and videos. The E-letter has a premium version, which includes stock recommendations.

Oxford Club held a Private Wealth Seminar last month in Four Seasons resort in Santa Fe. The seminar focused on how much-retired people should have in stocks. The answer depends on some factors including the size of your portfolio, monthly overhead, age, and health. There is also the issue of having a lot of money in stocks. The seminar urged retirees to calculate the amount of money they need in low-risk bonds to fund their monthly overhead. An average bear market in the United States lasts for 15 months. Living expenses for five years should be set aside.

The seminar urged retired people to use retirement rebalancing to avoid cashing in stocks during bear market results in smaller portfolios when a market rebounds. In a bear market, Oxford Club urged retired people to pay their expenses out of their five-year reserve. In case retired peoples portfolio is too small to set aside five years of expenses, options such as saving more, reducing living expenses, saving more or working longer are available.

The Corsi Group’s Siteline Cabinetry Company

The Corsi Group Siteline Cabinetry Company commenced on 16th July 1973 by Pat Corsi. The Corsi Group is the mother company of Siteline Cabinetry. Siteline Cabinetry is the latest brand that entails the pre-engineering and the production of cabinets and accessories by the use of modern equipment. The trademark has managed to oversee the completion of over 50,000 projects since its commencement. The company prides itself on honoring and improving knowledge that has made it very competitive and outstanding. Corsi Group has managed to retain most of the customers and also attract new ones due to the quality of the products and services offered. The main headquarters for Corsi Group is in Indiana, and besides, various branches exist in West Virginia, Keysville, Elkins, Virginia, and authorized dealers and representatives throughout the US.

Unique qualities of Siteline Cabinetry

  • The use of modern technical proficiency in their designs and construction of products
  • The incomparable attention the company staff has on details required by the clients.
  • The compliance of the brand to National Standards of Safety and Durability.

Products and Services

The brand offers a range of products including cabinetry for the:

  • Kitchen
  • Bathroom
  • Laundry areas
  • Closets

The services include:

  • Installation
  • Remodelling

The Process of Acquiring the Siteline Cabinetry Products and Services

  1. a) Clients’ needs assessment. The assessment is to find out what type of product or service the client intends to purchase.
  2. b) Design determination. There is the derivation of the design from the specifications of the client’s needs.
  3. c) Building and construction. There is the realization of the design of the product through building the customers product.
  4. d) Installation. The process involves providing the installation services to the clients.

Some of the Advantages of products and services offered by the Siteline Cabinetry Company

  1. Varied products and services

The brand offers a wide variety of products and services due to the use of quality distinct materials, styles, finishes, and construction.

  1. High level of customization

The company has a highly skilled team that is capable of providing the exactly needed designs of products requested by the buyers

  1. Provision of related services

The ability of the company to further deliver the services to complement their products are vital as it enhances the installation and proper handling of the products offered.

Richard Blair

Austin-based Wealth Solutions Inc. is a registered investment advisory firm. Richard Blair founded the company in 1994. He assists many wealthy individuals, small business owners and families in Austin with their personal finance problems. The company serves Austin, Houston, Bastrop, Marble Falls, Georgetown, and New Braunfels communities.

 

 

Richard Blair

 

 

Richard believes in education. Coincidentally, his grandmother, mother, and wife were all teachers. He saw how teaching could increase people’s knowledge and confidence. Richard has a natural aptitude for finance. He combines this with his teaching ability to empower others.

 

 

Education and Experience

 

 

Richard Blair studied finance in college. He holds several other certifications such as CFS, CES, RICP, CIS, CTS, and CAS. His educational and professional background makes him knowledgeable in many areas of finance. He has more than two decades of solid experience in the financial services industry.

 

 

Company Services

 

 

Wealth Solutions Inc. offers three primary services namely Wealth Management, Financial Planning, and retirement planning.

 

 

Wealth Management

 

 

At Wealth Solutions, clients get an opportunity to meet with the founder, Richard Blair. He offers them well-thought-out strategies that help them not only to increase but also to protect their wealth. The company examines a client’s risk tolerance and objectives and accordingly develops a portfolio. It aims at maximizing returns at bearable risk levels.

 

 

Financial Planning

 

 

The company offers a comprehensive financial plan that takes into account the client’s life goals. Wealth Solutions works with the client to establish their current financial position. It also ascertains a client’s assets and liabilities to calculate net worth. Additionally, the firm helps clients set and implement both short-term and long-term goals. Learn more: http://www.wealthsolutionsria.com/blog

 

 

Retirement Planning

 

 

Wealth Solutions works with wealthy individuals, families, and small business owners to plan for their old-age years. The firm may, for example, advice a client to start contributing more to their 401K plan. The company also helps clients choose suitable Individual Retirement Account investments, helping them enjoy many tax advantages.