Bradesco’s Luiz Carlos Trabuco Cappi Chooses His Successor

Mr. Octavio de Lazari Jr. has been one of the executives of the Brazilian Bradesco Bank for many years, and he was promoted to serve as the next Chief Executive Officer of the ban earlier this year. Mr. Octavio de Lazari Jr. started his tenure on March 12, succeeding Mr. Luiz Carlos Trabuco Cappi who was at the position a handful of years.

At the start of his career at the Bradesco Bank, Mr. Octavio de Lazari Jr. served as a clerk. That was more than forty years ago when he filled in the opening the Osasco agency of the Bradesco tank. Mr. Octavio de Lazari Jr. worked there for many years and received education and training from the experienced professionals there and eventually started receiving more responsibilities at work according to infomoney.com.br.

Mr. Octavio de Lazari Jr. is at the age of 54 and was one of the executives that were considered for the leading position. During his first 15 years at the Bradesco Bank, Mr. Octavio de Lazari Jr. occupied the same position even though he was sometimes provided with temporary responsibilities in addition to his own. That allowed him to receive training and education at the bank. Before that, Mr. Octavio de Lazari Jr. chose the career of a football player and was a member of the team Palmeiras.

Read more: Novo presidente do Bradesco substituirá Luiz Trabuco dia 12 de março

In the 90s, Mr. Octavio de Lazari Jr. started directing his career at the Bradesco Bank into the field of credit. He later became the Director of the Credit Department and was responsible for small and medium businesses, retail and corporate segments. In 2010, Mr. Octavio de Lazari Jr. became the Director of Loans and Financing, ad in another two years he was promoted to Chief Executive Officer of that department.

In 2016, Mr. Octavio de Lazari Jr. was promoted to lead the subsidiary Bradesco Seguros Group as the President and Vice President, and Executive Director of the subsidiary. Bradesco Seguros makes up eight of the businesses under the bank. Mr. Octavio de Lazari Jr. will remain the President of the Bradesco Seguros but will be letting go of the other positions.

Mr. Octavio de Lazari Jr. achieved a degree in Economics from the renowned Faculty of Economic and Administrative Sciences of Osasco. He specialized in Marketing and Financial Strategies at the Foundation Institute of Administration and the in Financial Management from the Getulio Vargas Foundations. After that, Mr. Octavio de Lazari Jr. received a certificate from the Foundation Dom Cabral in Financial and Strategies.

The former Chief Executive Officer will continue to serve at the Bradesco Bank as Chairman of the Board. Mr. Luiz Carlos Trabuco Cappi has been with the company for almost 4 decades starting as a sixteen-year-old boy at the lowest position as a clerk. He occupied various positions in his career and reached the peak when Mr. Lazaro de Mello Brandao pronounced him CEO of the Bradesco Bank and his successor.

Mr. Octavio de Lazari Jr. feels a duty towards his predecessors including Mr. Amador Aguiar ho founded the Bradesco bank over 80 years ago.

Find more about Luiz Carlos Trabuco Cappi: https://epocanegocios.globo.com/Economia/noticia/2018/04/o-brasil-e-o-melhor-ativo-que-o-mundo-tem-para-investir-diz-trabuco.html

Ronald Fowlkes Uses Law Enforcement Experience to Help People

Ronald Fowlkes started out in the military. He learned a lot about different things in the military. One thing he learned is he likes the structure of it. He enjoyed doing things a certain way and that helped him make the right choices for his future. For Ronald Fowlkes, the point of helping other people out when he was in the military was something he felt good about. It was also something he trusted he could rely on for a long time. Once he and others were in the military, they’d always be a part of something bigger. They knew what it took and knew they could make the right decisions for the future because of the training they received. It is part of who he is and part of what makes him one of the best people for the job he had later on.

 

After getting out of the military, Ronald Fowlkes knew he had to try something different. He also knew how well he functioned with the structure of the military. Because of his dedication to hard work and effort, he knew law enforcement would be the best option for him. The law enforcement opportunities he had gave him the chance to try different things and learn more about the world around him. It also gave him a chance to protect the people who were in his community. Even though it was different from the military, it was something he felt good about and something he knew he could keep doing for a long time.

 

The point of working law enforcement was giving everyone a chance at a better future. It helped him show people he was doing everything right and he was making all the right choices in business. For the industry to see how much he had improved, Ronald Fowlkes had to give people the chance to do things right. He planned on making everyone understand how law enforcement was helping the community. He set a good example. He worked with the community. He always protected people who were a part of the community he lived in.

 

After working in law enforcement for many years, Ronald Fowlkes found he could do things better if he made all the right choices. He decided to leave law enforcement, but he wanted to still help people who were in it. He came up with the idea to find the best products for them to use while they were doing their jobs. The products could be expensive from other stores, but Ronald Fowlkes knew he could sell them affordably. Since he knew this, he chose to start selling them and giving them the chance to purchase them at a lower price.

PSI Pay — Raiding the Market with Wearables

PSI Pay is the European financial company that represents what electronic dreams are made of. The company is always innovating and offering their customers new ways to make life easier. The latest method is composed of a tiny ring worn on your finger. The ring is used for their popular contactless payment system. The contactless payment can be used in 44 different countries with more than 173 different currencies. When you want to make a payment, the ring sends a signal to the merchant and your purchase is completed in the local currency. For someone who travels, this ring is a lifesaver!

PSI Pay is looking like a genius for this revolutionary invention. Those who have spoken up about the greatness have found the benefits in the invention. The rings are made by Kerv Wearables. They crafted the cool rings out of a material stronger than steel. The rings can stand up to extreme weather like heat and cold, and they will not break in your everyday wear and tear. They are very sturdy. The inside is made from a softer material that is comfortable in your hands. It is also guaranteed to not upset allergies. It is the first wearable ring that allows customers to make purchases.

PSI Pay has introduced the ring so customers have the freedom to make hands-free payments in every possible country. They are traveling, and they need to be able to pay for goods and services with ease. When Kerv Wearables teamed up with PSI Pay, the idea was to create something that was stylish and functional. They have achieved this with their contactless payment ring. The rings works by allowing customers to carry a digital wallet separate from their physical wallet. The wallet holds E currency which can be converted into a local currency on the fly. It is similar to a bank account with multiple payment cards attached to it. This is known as the European wallet. In contrast, the American wallet is a wallet that has a single payment system from card to merchant. The European wallet serves as an intermediary to prevent unnecessary charge backs.

PSI Pay has offered their services for over 20 years, and they are certified by MasterCard. Their contactless payment solutions have offered freedom to the world by making it easy to pay for goods and services no matter where you are. The rings are a great innovation to add to their payment solutions.

Read in length about PSI Pay’s new product:

https://kerv.com/en/news/news/psi-pay-and-kerv-partner-to-release-the-worlds-first-contactless-payment-ring/

Michel Terpin The Great Rally Driver

Michael Terpins is a Brazilian citizen and a respected rally driver born in 1979 in Sao Paulo to be specific. He is one of the Brazilian drivers who took part and won most of the rallying sport competitions in his entire life. Michael, being a famous rally driver, received several titles in the sport competitions. Michael Tarpins has his roots from a family that is sport oriented. His father was a successful basketball player not to forget his brother, Rodrigo who has also excelled as a rally driver. The urge to maintain family excellence in the field of sports ignited Michael’s spirit to always do his best in the rallying sport.

The 40 years old driver is a member of the Bull Sertoes Rally Team that was made up as an outcome of the two brothers Michael and Rodrigo teaming up. Terpins together with his navigator Maykel Justo took part in the 25th edition of the Sertoes Rally. Michael was among the top five drivers in the competition since he won two out of the three stages of the entire race. In the third stage, Michel had to slow down because he had experienced mechanical problems and this largely affected his speed negatively.

All that Michel does is spearheaded by his right hand man Justo plus his courage, confidence, will and determination when it comes to rally driving. Apart from the Sertoes rally, the duo has also participated in other different competitions like Brazilian cross-country rally championship and the Mitsubishi cup.

Michel Terpins was at the beginning racing with motorcycles before he started using cars that was back in the year 2002. He currently is using T-Rex machine which is highly technical and modern vehicle. It has a V8 engine making it possible for the car to explore diverse terrains. The car also has other features that are not compromised by rough roads at times used for racing. Michel Tarpins never hides his pride for his navigator Justo and claims that he gives him a lot of safety while in the line of duty. It is clearly beyond doubt that Tarpins has made Brazil proud of him.

The Rally Racer: Rodrigo Terpins

Having grown up in a sporting family, Rodrigo and his family have a passion for sports. For each member their passion is also their career. Rodrigo’s father, Jack Terpins, was a successful basketball player and a respected man in the Latin community. His families success drove him to become a professional racer at a young age, and landed him in the position as one of the best rally drivers in the Brazilian off-road championships. Rodrigo races for the tea Bull Sertoes Rally Team, and has the added bonus of racing along side his brother, Michel. The T1 prototype category has always been Rodrigo’s favorite ever since he has joined Rally racing, and recently competed in the 22nd Sertoes Rally championship in which they covered 2,600km through two states and 7 diverse courses that are specifically designed to test the ability to be dynamic as well as mental and physical agility of the competitors.

Although he didn’t take home the first place trophy, he did finish third out of thirty eight drivers and ranked 8th overall. With wins like that there is nothing stopping this Rally driver and family man, while he is thrilled at where his career is now he knows there is still a lot more to be done. He recently missed the Uesta Off-road rally, but he has made it aware to his fans that he will not miss that next one and is even preparing for it. There is no doubt that he and his brother will dominate, and with a team like that the sky really is the limit for Rodrigo. His hard work and perseverance has helped him win many racing championships, and has helped him grow his fan base to some very loyal followers becoming a household name in the off-road rally championships all over Brazil. Check out Terra to know more.

Click here: http://rodrigoterpins.com.br/

Susan McGalla Proves That Women Can Be A Success In The Corporate World

In the corporate world, top business executive positions were mostly held by men. But with the changing of the times, we’re now seeing women replace men in these executive positions. If you look at the executive board of many big name companies, you’ll find that a majority of the women fill the spots. One woman who helped paved the way for women to become executives is Susan McGalla.

McGalla’s venture into the business world began in Ohio, where she attended Mount Union College. After graduating with a Bachelor’s degree in business and marketing, Susan embarked on her career into the business world. Her first job was working at Joseph Horne Company. During her eight years at the company, she worked in numerous managerial positions before being promoted to marketing.

Following her departure from Joseph Horne, Susan went to work for American Eagle Outfitters, where she found most of her success. When she first started at American Eagle, she worked as a merchandise buyer, but with hard work and perseverance eventually was promoted to the company’s President and Chief Merchandising Officer. Thanks to McGalla’s smart business tactics, the company saw an increase in revenue as they reached the billion dollar mark.

After fifteen years with the company, Susan decided to leave to pursue work with other companies. She worked briefly for the companies HFF Inc and Wet Seal Inc. She’s now currently working as the Vice President of Business Strategy and Creative Development for the NFL team the Pittsburgh Steelers. Aside from her work with the football team, McGalla has also started her own financial firm called P3 Executive Consulting.

When she’s not working at the office, McGalla devotes her time her family and donating to numerous charities. She and her husband Steve are heavily involved in charities with the local Pittsburgh hospitals.

The tech-ed with a vision; ClassDojo

ClassDojo has a vision of changing the education experience for children worldwide. Bringing together the most important parties; teachers, students, and parents, every day is one way of achieving that goal.

Bringing about a classroom that students will love is not important in education, and ClassDojo does not do that. Instead, it uses what is available, and by bringing together teachers and students, that achievement is met. CalssDojo seeks after the transformation in education by relying on the fact that connection of the three important groups in education automatically develops for the student, the ideal classroom.

ClassDojo is an application for communication between the three groups in a classroom. These communications are done in conversations, pictures, and even videos. By sharing daily experiences in school together, ideas are able to be revived in class, and confidence among students boosted.

Today, ClassDojo has reached out to more than 170 schools in the whole world. Furthermore, most of the schools in the USA have embraced the power of this app. This shows just how approved the system is in many schools. The fact that many countries are using it is amazing and means that ClassDojo will eventually achieve its dream of transforming the world education system and make it better.

Children from the age of 5 have been taught how to use the app, and have thus learned a great deal through ClassDojo. The fact that even young children are learning through the app is empowering. This also makes learning very easy and adding lots of fun to it. ClassDojo has another amazing feature which is translation feature. This simply means that even countries that do not speak English can use the app.

The growth of ClassDojo is fast, and in a few years it will cover most parts of the world, now that language barrier is not a challenge. Children are motivated because of the fact that the things they are taught in school that they would wish their parents to know, are no longer a possibility but has been achieved. Time spent in schools is now well utilized as not a minute is wasted due to the simple fact that children are happy with what they are doing.

 

David Giertz Provides Advice to Financial Advisors on Social Security

Social Security is a rapidly-changing situation for retirees and people expected to retire in the future. David Giertz is a financial advisor whom is interested in how social security will impact the clients of many potential future retirees. Evidence suggests that advisors are not talking to clients about social security, and 4/10 people would change advisors if their advisor doesn’t talk about social security.

Social security makes up a large chunk of a person’s retirement income – approximately 40% of a client’s retirement. A financial advisor needs to think about how social security comes into play with regard to their client’s retirement income. This is because a social security check is often one of the main sources of retirement income that a retiree has.

David Giertz has been with Nationwide Investment Services Corporation for approximately 31 years. He is based out of Columbus, Ohio. He recognizes that generations in the past have been able to retire on pension funds, but these pension funds are rapidly disappearing. This makes it very important for retirees to create a retirement income plan which is focused on maximizing social security benefits.

Approximately 30% of retirees are getting less money each month from social security than they expect. The majority of retirees in the future did not identify factors that are used to determine social security benefits. Many people think that they should start taking social security benefits at age 62, but the reality is that financial advisors advise that retirees wait until an older age. Full retirement age is often not until 65-67, and waiting longer means that a retiree will get a bigger check.

For many people, they can expect to see that their social security benefits will grow over time if they wait until a later retirement age. They can expect that their social security earnings will be taxed, which is something that may come as a surprise to older adults.

Rodrigo Terpins: Racing to Win

Rodrigo Terpins is a Brazilian professional rally driver who has been training since childhood to win every rally driving competitions around the world. He believes that his life revolves around racing, and he will do everything to end up being victorious in every race across the globe. He is the son of former basketball athlete Jack Terpins, who was raised in a family of sports enthusiasts and advocates. He is the older brother of Michel Terpins, who is also into rally driving. As a child, his father taught him about the value of doing what he wanted in life. Jack Terpins would always encourage his children to pursue the career that they wanted, and when they revealed that they wanted to become rally drivers, Jack Terpins supported them and even taught them how to drive. For more details visit comunique-se.com

 

 

 

The caring nature of his father has inspired Rodrigo Terpins to become a professional rally driver. He stated that he is grateful that his father supported him in his chosen career, and he is dedicating his victory to the man who raised him up. Together with his younger brother, Rodrigo Terpins enters any rally driving competitions around the world and being in the top ranks among the global rally drivers. He would sometimes take home the gold, and sometimes, he does not, but for Rodrigo Terpins, what matters is the enjoyment that he felt whenever he is in a rally driving competition. This year, he will once again join the 25th edition of the Sertoes Rally, considered as the most important rally driving event in Brazil. Check out agenciaoglobo.com

 

 

 

Rodrigo Terpins will be driving a T1 Prototype, under the Bull Sertoes Rally Team which he established. He will join the race with his younger brother and other colleagues who are members of the team, and together, they will endure a route of more than 3,000 kilometers, that will be held on the mid-western states of Brazil. They will face 200 plus rally drivers from across the world, which will be driving more than 100 vehicles, trying to endure the changing terrain of the chosen route. Terpins wanted to wish his teammates good luck, and he is hoping that they will end up victorious.a  Click here: https://www.crunchbase.com/person/rodrigo-terpins

Jed McCaleb: The Brilliant and Innovative Mind Behind Stellar

Jed McCaleb is the innovative, brilliant and eccentric mind behind the powerhouse technologies eDonkey, Ripple, Stellar.org and Mt. Gox – the first bitcoin exchange on the market. Though these financial leveraging tools all have different purposes, they share one common theme, which can ultimately summarize McCaleb’s inspiration: creating technologies that improve the world and the human condition, while reducing inefficiency.

Jed is a true visionary and entrepreneur, which has led him to pursue many ventures and business ideas. Like all entrepreneurs, some of his ventures have been more successful than others. For Jed, it was a matter of being tenacious and persevering through setbacks, while never letting the setback stop him. His first major success was eDonkey, one of the largest file-sharing network platform of its time. Shortly after, Jed McCaleb created Mt. Gox, one of the early bitcoin exchange platforms, and then Ripple. These ventures in Bitcoin fueled his interest to learn more, and continually developed his interests. This led to his idea for Stellar, a universal financial network that connects banks, payments systems, and people.

Stellar is one of the most innovative and unique platforms on the market, primarily due to its ability to link all of the major Bitcoin players together. This technology has the potential to transform the world, especially considering the percent of the world’s population that is unbanked. According to the World Bank, about half of the world’s adult population doesn’t have access to a bank account, meaning they cannot save or send money. McCaleb Stellar combats these issues by aiming to use an open worldly financial network to link the institutions and move money efficiently and cheaply. For only a fraction of a penny, users have access to move and integrate money quickly and reliably via Stellar.

Jed McCaleb is currently the CTO of Stellar, a passionate, curious and tenacious individual intent on fixing broken financial infrastructure and improving the world for the better. You can learn more about Jed McCaleb: https://www.dailyforexreport.com/questions-answers-stellar-co-founder-jed-mccaleb/