Bradesco Chairman Luiz Carlos Trabuco Cappi Thinks His New CEO Will Preserve The Bank’s Management Model

It’s almost official. Octavio Lazari, the fifty-four-year-old Bradesco insurance executive, will be the new CEO of the bank on March 12th. Trabuco Cappi, the current CEO, and newly appointed Chairman believes Lazari will continue managing the bank in the same way he did for the last eight years. Cappi is a banker’s banker in the eyes of many Bradesco employees. He got his start in banking in 1969 when founder Amador Aguiar and Lázaro de Mello Brandão thought he would make a good bank trainee.

Cappi didn’t have a finance degree, and he wasn’t a numbers cruncher, but his personality and psychology and philosophy degree were enough for the men. Cappi exceeded the expectations of some bankers, but Aguiar and Brandão knew Cappi was going to be an excellent bank executive. When Cappi was the president of the bank’s insurance arm, Seguros, Cappi put more money on the bank’s bottom line than the plan. And when Octavio Lazari was the head of the insurance division, he did the same thing.

CEO Luiz Carlos Trabuco Cappi and outgoing Chairman Lázaro de Mello Brandão and board members knew Lazari’s retail banking experience as well as insurance management experience would help him tackle some internal issues facing the bank. Cappi and Brandão know the bank is facing IT challenges in 2018, so they wanted a CEO who could work with IT Vice-President Machado Minas. Machado Minas was also a candidate for the CEO position, but he is the man the bank depends on when it comes to expanding mobile and Internet banking services. Machado Minas is up for a board position along with three other members of Cappi’s executive team, so a third of the board members will be part of the management team.

Read more: Bradesco deve anunciar sucessor de Trabuco antes do Carnaval

The appointment of Lazari leaves a hole in the Seguros management team, but Lazari will name a new insurance president at the end of March. Lazari is expecting higher loan volume in 2018, thanks to new government regulations and a drop in interest rates according to Higher loan volume will offset the lower loan margins, according to Lazari. Cappi is also lowering the CEO age cap from 67 to 65. Cappi is 67, but there is no age cap on the Chairman’s position. Outgoing Chairman Brandão is 91, and he is still competent enough to make Bradesco’s stock a “buy stock” on Wall Street and in Sao Paulo.

Credit demand is improving in 2018, according to Lazari. Bradesco is in a good position in terms of hitting their 2018 fiscal plan even though the Brazilian economy is just starting to show signs that the three-year recession is over. Lazari doesn’t plan on initiating any major acquisitions in 2018. The focus will be on tech advancements, reducing poorly performing bank branches, and offering new bank services that will make consumer and business banking easier.

Even though Brandão’s banking days are behind him, for the most part, he will still have an office, and a say in management decisions, according to Luiz Carlos Trabuco Cappi.

Learn more about Luiz Carlos Trabuco Cappi:

Investment Advisor Igor Cornelsen: Making People Money For Five Decades

Ask almost anyone in Brazil who you should turn to when you need investment advice and they will point you to Igor Cornelsen. That’s because Cornelsen has a decades long track record for consistently helping his clients to make money. There are many reasons Cornelsen has an uncanny ability to predict which companies and markets will do well. First, he spent over two decades working in the banking industry with banks around the world. Secondly, he spends a great deal of time researching companies and markets and the forces that affect them. Plus, Cornelsen is a shrewd observer of economic activity.

Born in a small town in Brazil called Curitiba, Igor Cornelsen earned a degree in economics from the Federal University of Parana. For two decades after earning his degree, Cornelsen worked with some of Brazil’s largest and most prestigious investment and commercial banks. He also worked with banks from the United Kingdom and the United States. By the time he opened his investment advisory firm in 1995, Cornelsen was already known in Brazil and internationally as a man with a keen understanding of the forces that drive the world’s economic and financial markets.

Igor Cornelsen’s familiarity with the often confusing investment laws in Brazil made him the ‘go to guy’ for foreigners hoping to profit from Brazil’s vast natural resources and vibrant companies and markets. And Igor Cornelsen doesn’t disappoint. He has been able to consistently guide his clients to the right investment opportunities. This uncanny ability to make people money has made Cornelsen a legendary figure in Brazil’s financial circles. Even the average man on the street has heard Cornelsen’s name and knows that he is a champion investor.

After almost 50 years as an investment advisor and financial services professional, Cornelsen is now semi-retired. He spends his time playing golf in South Florida. Since 2010, Cornelsen is no longer involved in investing fulltime. It is now little more than a lucrative hobby at which he’s highly skilled. However, he still provides valuable investment advice through Bainbridge Investments Incorporated and continues to help people make lots of money.



Jacob Gottlieb the Investment Guru.

A poker game for most hedge fund managers is a way of showing off their skills, but for Jacob, he uses the game as a means of meeting up friends who are fellow hedge fund managers. The game is usually informal and takes place is either of the friend’s house and lasts for hours. The discussions that typically go on are about the management of a hedge company where they share their ideas.

The art of business building is a passion for Jacob, a former doctor before getting in the financial world. Visiam Asset Management is a company founded by Jacob that manages over 3 billion US dollars in assets. Visium balanced fund is a product of the company that has generated 15.6% return since its establishment. Despite its success, Jacob has a plan to transform the company into a multi-product, multi-strategy powerhouse to rival the most successful managers in hedge fund industry.

Jacob Gottlieb is a graduate of economics from Brown University based in Rhode Island, Dr. Gottlieb also attended the New York University Medical school receiving M.D. degree. Jacob was an intern at St. Vincent’s Hospital, New York which he later quit to continue his passion in the finance industry.

Jacob is the Chief Investment officer and Management Partner at Visium Assets Management, a company which he founded in 2005. Before establishing Visium Jacob was a founding associate of Balyasny Asset Management. Jacob raised in Brooklyn, New York with his younger brothers after the parents emigrated from Poland. Jacob’s father is an economics professor while the mother is a pediatrician the fascination he had for both professions saw him pursue them.

Jacob Gottlieb is a baseball fan and during his youth applied the trade of collecting baseball cards. During Jacob’s seventh grade he won by selecting winning stocks which saw his father opening an investment account for Jacob. Jacob has a unique insight on choosing the right profession as both surgeons and fund managers have the same characteristics of taking risks.

Dr. Gottlieb works with homeless children with Covenant House helping save the lives of homeless, trafficked and runaway children. Covenant House offers the young individuals with basic needs such as housing currently reaching over 80,000 youths annually.

Bob Reina: He’s As Advertised

Sometimes people hear about others, and they wonder aloud, “Can this person be as good as advertised?” Bob Reina, the CEO and founder of Talk Fusion, is as good as advertised and then some. He has, along with his IT team, created a product that is truly revolutionary in terms of the video technology world with its video newsletters, video emails, video conferences, and video chats. They have a little bit of everything for someone that is looking to get their startup moving in the right direction. This product was built for winners, and Bob Reina believes in the winners out there. He is here to give them a little confidence booster and push them in the right direction.

When they have all of the video apps that were mentioned, they start to see what life can offer them and what is around the corner for them. They see life in a whole new light as a matter of fact. They see it from a much happier point of view. They see change is on the horizon and things can and will get better for them. However, they can’t quit on themselves and they can’t quit on the product. They can’t expect instant results.  Learn more:

They will see results and things will move in the right direction moving forward, but it is going to take some time and they are going to have to put in a lot of work to see it happen. When it’s work that someone enjoys doing, it never feels like work. It feels like what they were put on this earth to do as a human being. It is what they were built for, designed for, and why they are here in the first place. They are finally living as opposed to just existing. There is a big difference and if anyone understands that, it is Bob Reina. He has lived a very full life as a former police officer and now the CEO of Talk Fusion for the past 11 years. He looks to many more years with this company.

He knows the company has a lot to offer to the public, and it can really transform people’s lives. It is a change for them. At first, change might be a little scary, but in the end, it is worth it. It is what makes the world a great place. If everything stayed the same and everyone was doing the same thing, the world would be quite a boring place to say the least.  Bob Reina wants the world to be an exciting place that is filled with choices for people and choices that are going to enrich people’s lives in new and fun ways.




Matt Badiali Champions the Ability to Over-deliver

Matt Badiali is the founder of Real Wealth Strategist, which operates under the Banyan Hill Publishing imprint, and today he is known as an expert on the nuances of investing. Mr. Badiali began his career with a very different trajectory in mind – until, 2004, when he was introduced by a friend to finance, he was a scientist. He holds degrees in earth science and geology, having attended Penn State University as an undergraduate, and Florida Atlantic University for postgraduate studies. Mr. Badiali combined his knowledge of geology with his training as an investor to provide sound investment tips to those seeking to gain a financial edge, and since creating his newsletter and advisory service, Real Wealth Strategist, has garnered a substantial audience.

Matt Badiali often falls back on his experiences traveling to places such as Papua New Guinea, Iraq, Hong Kong, Singapore, and Turkey, to bring his ideas to life, realizing the importance of connecting with his audience on an intimate level. He is an avid reader and is constantly feeding his mind with the latest information, checking various news outlets, such as The Wall Street Journal, Bloomberg, and The Mining Journal, in order to bring fresh ideas to his audience. In doing so, he often stumbles upon new trends, and one that has him really excited about the future is the current transition into a more electric-centric world. As electric cars become increasingly prominent, Mr. Badiali believes a shift will occur that will be truly disruptive to the oil and natural gas sectors. Although he feels that this will not occur for some time, being that we have not discovered a municipal scale battery, he believes that we are on the cusp of a new era, especially when considering the fact that combustion engines are predicated upon a technology that is 150 years old.

A strategy that has consistently helped him to grow his business is his ability to overdeliver. He often maintains this mindset when contributing to Banyan Hill Publishing’s free e-letter, which he writes for once a week, always attempting to include at least one useful idea for his prospective readership.

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Matt Badiali and the Municipal Scale Battery

Matt Badiali has been actively involved in the world of finance since 2004, but before that time, his career path was headed in a completely different direction; he was a scientist. Mr. Badiali had already garnered two degrees, one in earth science from Penn State University, and the other in geology, from Florida Atlantic University. While in Miami, he had taken a position as an environmental geologist, which despite his love of the science, proved to be marred by filthy and dangerous conditions. This, although not a wonderful experience for Mr. Badiali, proved to be extremely beneficial, as it pushed him to continue his education. While working towards his Ph.D. at the University of North Carolina at Chapel Hill, Matt Badiali was asked by a friend to join him in a new venture – finding an effective method to assist the average American investor. This immediately caught his attention due to the fact he’d long watched his father struggle in the world of investing, and he jumped at the chance. After learning the finance game, Mr. Badiali would spend the next decade helping to connect average investors with fruitful investments; a practice which regularly occurred, as his clients often produced double and triple-digit returns. Today, Mr. Badiali is an expert regarding investments in the energy, natural resources, and metals sector, and he recently joined Banyan Hill Publishing in 2017 for the launch of his rising newsletter and advisory service, Total Wealth Strategist. He recently sat down for a Q & A session, discussing a myriad of topics, including an exciting new technology that has really piqued his interest.

Matt Badiali is an avid reader, who spends much of his time researching the topic that he chooses to discuss. As a part of his research, he is also very hands-on. His habit of investigating prospective investments has led him all over the world, as he has visited drilling sites and mines in places such as Singapore, Hong Kong, Turkey, Iraq, Papua New Guinea, and Switzerland. He has recently become increasingly excited about the prospect associated with electric cars, predicting a massive changeover akin to the whale oil and kerosene switch, that is very likely to disrupt the oil and gas market significantly, possibly shaking it to its core. While he admits that this change is still a long way away, as the development of the municipal scale battery becomes more of a possibility, so does this disruption. Read more:


Ian King Introduces a Cryptocurrency Mega-Millionaire

Recently the foremost contributor to Investopedia on cryptocurrencies, and a successful trader himself, Ian King, joined the editorial team at Banyan Hill Publishing. Later in 2018 he and Banyan Hill will start up a trading service for cryptocurrency investors. In the meantime, he is writing a weekly column for Banyan Hill’s free email newsletter Sovereign Investor Daily. In the latest article, King shares what he has learned about cryptocoins from mega-millionaire Barry Silbert.

Barry Silbert is CEO of Digital Currency Group. Five years ago, King saw Silbert shock a room full of venture capitalists and hedge fund traders. Silbert told them he had invested almost his entire net worth into bitcoin because he believed it was the greatest technological breakthrough of their lifetimes. That doesn’t sound so wild now, but in 2012, among that group of wealthy people, it stopped all conversation. They couldn’t believe what they’d just heard. Bitcoin was then selling for around $14. Five years later, FORBES estimated Silber’s share of it as worth from $400 million to $500 million. Learn more on crunchbase  about Ian King

Ian King’s article then addresses the situation in bitcoin and cryptocurrencies today. Bitcoin has gone from a December 2017 peak pushing $20,000 to just around $6.000, an incredible drop. Yet, as King points out, bitcoin has historically always been volatile. And it has dropped even more in the past. In 2011 bitcoin suffered a drawdown of 93%. In January 2015 it pulled back 85%. And, at other periods, it has gone down 60%. However, none those problems kept it from making an incredible jump in 2017. If someone had bought bitcoin at those prior bottoms, they would still be in profit.

Yet some people are celebrating bitcoin’s drop. The economist Paul Krugman called it “cryptofreude.” He’s enjoying watching the crypto bubble deflate, and says bitcoin enthusiasts are nasty as well as crazy. Follow Ian King on Twitter.

King points out the mainstream media is wrong about bitcoin’s long-term potential. It has certainly gone down a lot in price, but it’s still a transformational technology. He just attended a Crypto Summit in New York put on my Yahoo Finance: All Markets Summit: Crypto. There, he learned of many more entrepreneurs who are pioneering ways to use the blockchain technology.

However, he saves the best news for last. Barry Silber also attended that summit. Silber says that CNBC makes people think everybody has already invested in bitcoin, and that’s why it’s a bubble crashing. But that’s not true. Few ordinary people have bought cryptos yet. Within a year or two, a huge amount of capital from around the world is going to flow into crypto assets from asset managers. Read:

Securus Technology: Pioneer of Multi-faceted Approach to Prison Management

Securus Technologies is a company that provides technological solution to help with investigations, maintaining peace, and public safety. It is a prison-based company in America, and serves most of correctional facilities in the United States. The Chairman of Securus is Richard Smith and has a team that is dedicated to finding solutions to everyday problems. Recently, Securus created technological solutions for correctional facilities to help in maintaining security. Prison officials from various facilities who have used these solutions gave responses regarding the effectiveness of Securus Technologies.


Customized Service Delivery: Customer Feedbacks


Securus Technologies enabled one user to gain information from phone calls, which helped in obtaining a search warrant for the individual. Without the help of Securus Technologies, it would have been impossible to catch the suspect. Securus Technologies enable calls monitoring, and this is helpful during investigations. Calls made by suspicious inmates were monitored to determine whether they are using alcohol and drugs. During the process, officials also heard conversations about illegal money transfer and this helped in prosecuting the two.

Calls monitoring solution is useful in catching suspects and solving cases.




Correctional facilities depend on Securus Technology solutions and it is pleasing to see the commitment of the company towards helping prisons. Moreover, the reporting data has improved prisons’ proactive approaches in monitoring and stopping cases of contrabands in correctional facilities. The covert alert feature also enables officials to catch, and arrest suspects.


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Securus solutions are vital in maintaining law and order. It is now possible to listen to inmate to inmate calls, and record suspicious activities. Prison officials no longer worry about being caught unaware by inmates. The use of LBS software alongside other measures helps in detecting illegal things in cells. They help in recovering stolen items and money. Securus Technologies should continue inventing solutions for correctional facilities.


Lacey and Larkin Vocal About Trump’s Poor Decision Making

Recent decisions of Judge Susan R Bolton have been problematic for people affected by Joe Arpaio. The decision last month by the prominent district judge to provide a pardon to Joe Arpaio has been met with a significant amount of disdain in the public.

He was convicted previously for racial profiling as well as other harmful activities. The decision for this Maricopa County sheriff to be imprisoned was overturned as he was granted the pardon.

Some of the problems that Lacey and Larkin have mentioned with this decision have to do with the great amount of human life that was lost. Arpaio had been notorious for inhumane prison conditions that led to the death of many of his victims.

He illegally had detained numerous individuals who were migrants or thought to be in the US without the appropriate documentation. His mistreatment as well as the illegal nature of his imprisonment centers have contributed significantly to the present outcomes.

A lot of people have been dismayed by the decision to pardon his eighty seven year old. He had a long standing reputation as being one of the worst sheriffs in the state of Arizona.

The numerous deaths that have not been documented or reported are just some of the cruelties that were committed by Arpaio. There were substantial captives that were also targeted by a special task force that Arpaio created for the sole purpose of fulfilling his ulterior motives.

Since there are so many harmful circumstances propagated by Arpaio it was surprising that he did not have to face the consequences of his actions. The pardon was initiated by the president, who had gained a lot of support from Arpaio in earlier years. Read more: Michael Lacey | Crunchbase and Phoenix New Times | Wikipedia

He had been an influential supporter for Trump prior to the election process. This suggests that there is a long standing relationship between the two that may have contributed to the development of reform in multiple areas.

Overall, Lacey and Larkin have been very vocal about the grave nature of his actions. They command that further efforts should be made for the establishment of a better precedence when it comes to harmful misuse of power. They have advocated for better civil liberties for many years as the adversity poised by Joe Arpaio has spanned multiple generations.

There are a lot of ways that the Frontera Fund is concerned with Joe Arpaio. This is due to the complex nature of the way that he targets migrants and immigrants. After being held hostage by his task force, Lacey and Larkin won a significant law suit based on persecution of the first amendment.

It is notable that their present position both legally and in other aspects of development is based on an understanding of Arpaio as well as a perspective about his actions being unfair. He has even held pregnant women captive and chained to unsafe and unclean birthing rooms.

While there have been numerous allegations against him, these have been dismissed based on the work of the recent pardon.

Learn more about Jim Larkin and Michael Lacey:

Gregory Aziz: A True Titan of Industry

Every once in a while, a true titan of business and industry will come around. They will show the world that there are new and innovative ways to do things, and they will bring companies that were struggling back into the spotlight. These individuals work hard to make sure that business thrives, and they will do everything in their power to bring change to industries. One of these individuals is Gregory James Aziz.


Gregory J. Aziz was born in Ontario, Canada, and he earned his bachelor’s Degree from the University of Western Ontario. Always knowing that he had a knack for business, he joined his family’s food distribution company, Affiliated Foods, in 1971. Soon enough, he had worked his way up in the company and was making major decisions on business strategy. He was able to locate new and better suppliers in South America and Europe, places that Affiliated had never expanded to before. He was also able to secure several lucrative contracts with other companies and customers in the United States, turning Affiliated from a local distributor to a large, international corporation.


After 16 years at Affiliated, Aziz knew he had to make a change. He dove into the stock market and investment banking for a short time. Although he was good at this new career, it was not as fulfilling to him as turning around a failing business. Aziz used his earnings to purchase National Steel Car in 1994. This was the true survival story.


National Steel Car had been around for a century, manufacturing and selling rolling stock and railcars to companies and railroads in Ontario. Greg Aziz had different plans for this company. When he purchased it, there was no clear business strategy, and business owners had only used it to siphon off capital and resell the company. James Aziz did his research and started to make decisions that would turn NSC around.


He decided that the core principles of NSC should be focused on engineering and manufacturing high-quality, rather than low-cost products. He worked with new suppliers and found new customers all over North America, expanding the previous networks that NSC had. He hired 2,000 more employees and invested heavily in capital projects, increasing the capacity of the company by over 300 percent. Aziz singlehandedly turned this company around. Now, National Steel Car has over $200 million in annual revenue and is one of the leading manufacturers of rolling stock in North America. Read This Article for additional information.


Every once in a while, a businessman comes around that can completely change an industry, and in the past two decades, that man has been Greg Aziz.


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