What Supplemt Am I Really Taking?

The Food and Drug Administration, has been called upon, at the request of Democrat Senators, to open an investigation regarding tainted and mislabeled dietary herbal supplements and remedies. Four retailers, General Nutrition Center, Target, Walgreens and Walmart have been accused of introducing ineffective fillers and unknown ingredients, that are not represented on the label. The products in question include echinacea, St.John’s Wort and ginseng. This revelation has caused widespread alarm with consumers like Fersen Lambranho who found this information through Bloomberg

For decades American consumers have trusted supplements and herbs as a means of maintaining optimum health and well being and have depended on the label on the back of the bottle to informed them of the ingredients that make up the product. With this revelation, consumers are wondering, “What am I really taking, and is it safe?” Consumers can educate themselves by doing some research into the products they consume.One industry standard that some dietary supplement and herbal product manufacturers subscribe to is the United States Phamacopeial Convention.  It issues a ‘Seal of Approval’ to firms that have their product lines tested and their manufacturing facilities inspected according to USP standards. There’s the old cliché, “Buyer Beware” and not only should they beware, the need to be educated and informed.

How to Choose an Investment Advisor

Before choosing an advisor or firm for investment purposes, it is extremely important to do your research. There are many firms and professionals rendering financial and investment services but not all of them provide the same level or quality of service.


Figure out what similar transactions they have finished in the past several years. Make sure the consultant supplies instances of firms in both your market as well as of a similar business dimension.


By “market,” we suggest as near to your certain niche as feasible. Current market experience will ensure that they have up-to-date as well as deeper insight right into that is actively making acquisitions in your room, as well as an existing structure of knowledge for preparing your advertising materials.


The dimension of previous transactions is likewise important considering that, similar to your industry, the dimension of your firm dictates which companies or businesses are the right partner for you. A banker with experience suggesting medium-sized companies will certainly have a greatly different network than one who has actually historically advised multinational companies.


Martin Lustgarten is a well-informed investment banking expert. He is the owner and also CEO of Martin Lustgarten Investment Banking Firm – a highly trustworthy company in the investment banking area. He assists businesses as well as public corporations in raising funds in the funding markets.

As a reliable investment banking expert, Martin Lustgarten utilizes his experience and also competence to discuss the finest bargain feasible for his associates and clients, and also lead them on their quest for success.

Martin Lustgarten is completely mindful that each financial investment scenario is unique, so he takes the time to examine each client’s scenario before making any kind of suggestions or providing recommendations.

Martin’s approach to investment banking is that one has to have great understanding of finances and economic solutions. He believes that the advisor needs to be acquainted with the area that he is advising the consumer on. One of the qualities that makes Martin an expert in the investment arena is that he keeps track of market cycles and takes great steps to understand the marketplace during deals.

Ricardo Guimarães: InBev Rolls Out New Growth Startegy

The new growth strategy of Ansheuser-Busch InBev has been released by the company. InBev seeks to increase sales on the American market while competitor producers of craft beers in the United States worry that it may become more difficult to compete in the retail space, say Ricardo Guimarães, President of BMG Bank.

InBev plans to offer large financial incentives to distributors who concentrate their sales of beer to Budweiser and Budlight, say Ricardo Guimarães, President of BMG Bank. The incentives would come in the form of annual disbursements, in the range of 1.5 million dollars, for those vendors in which the sale of InBev products corresponds to 98% of total sales. Incentives would also be available for vendors in which the sale of InBev products corresponds to 95% of total sales of beers produced only by InBev. In such a scenario, the establishment would receive a cash disbursement to cover up to half of its annual marketing cost

Ricardo Guimarães, who is President of BMG Bank, cites that AB InBev estimates that the cost of all vendors who enroll in the incentive program would amount to 200 million dollars annually for the company. This estimate was disclosed in the companies plan that was launched at its operational headquarters located in the United States, in St. Louis, during a conference with Americans distributors. AB InBev reports a decline in its production of beer which correlates with a 4% loss of market share among American beers. The loss of market share started in 2008 when Anheuser-Busch Companies was sold.

In addition to the newly announced incentive program, AB InBev is finalizing plans to buy British brewery SABMiller PLC, a business that has annual revenues of 108 million dollars, cites Ricardo Guimarães, President of BMG Bank. Both the new incentive plan for vendors, which InBev describes as voluntary, and the targeted acquisition of SABMiller signal the potential loss of market-share by InBev’s competitors. According to other craft producers, AB InBev’s incentive program could strongly improve the companies market share and hinder the sale of competitive craft beers by some of the largest distributors in the United States. Also, it was reported by the Wall Street Journal, the moves made by InBev could make it increasingly difficult for the distribution of competing beers in in the American retail market. Ricardo Guimarães, of BMG Bank, notes that the Justice Department of the United States has opened an investigation into InBev’s plans in order to decide what impact the companies new incentive plan and brewery acquisition would have on competing American craft breweries in the United States.

Ricardo Guimarães is a successful entrepreneur, heir and executive of BMG Bank. He is the son of Flávio Pentagna and has been involved in the family business since 1998. Under the leadership of Ricardo, BMG Bank has gained recognition as a leader in personal loans and payroll loans in Brazil.

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The Great Achievements of Ricardo Guimarães

Ricardo Guimarães was the former president of Banco BMG and the company was successful under his command. Guimarães came from one of the most powerful families in Minas Gerais. The Guimarães began getting involved in the financial sector when his grandfather founded the bank in 1930. Guimarães, who was prominent in sports even before BMG existed, and decided to expand the bank’s investment into the sport sector for future growth. Today, we will talk about the achievements of Ricardo Guimaraes and his impact at BMG.
The Honors
According to the Camara Municipal, on the 18th of April in 2011, Ricado Guimaraes received the City Council the diploma of Merit, and the ceremony was held at the request of Daniel Nepomuceno, the Councilman of PSB. In the beginning of the ceremony, Nepomuceno stated that Guimarães’ support and assistance, as well as investments, are great honors for the country.
Guimarães and Sports
BMG also mentioned how he created the Ricardo Soccer BR1 in 2010, which was an investment fund for football athletes which was the first in their CVM regulated country. In the same year, more than $20 million was invested to support the economic rights of the active athletes in eight different clubs. Because of this, BMG was also known as ‘the national sports patron’ and brought great pride for the country. Alberto Pinto Coelho, Deputy of the Governor, stated that the work of Guimarães is an example for their society.
Guimaraes Past
Ricardo Guimarães began working in 1980 as an office assistant in the family business started by his grandfather, Antonio Mourao Guimarães. He graduated from UNA in 1988, majoring in Business Administration. His family has always invested in several areas such as canning factory, cattle and coffee plantation. Alberto Pinto Coelho, the deputy governor stated that Guimarães’ family has always been committed to the development of sports, which is one of the reasons why Guimarães received the honors back in April 2011.
The BMG bank has a simple structure as much of its growth relies on consulting and personal loans, which have low interest rates. Today, BMG is acknowledged as the largest sponsor of football in the country and continues to make an impact in banking and its investments.
Up to this day, Guimarães continues to work hard and keep BMG strong in personal and payroll loans. However, according to R7 Noticias, BMG intends to reduce the share of this type of credit for up to 70% of the bank’s revenue in order to expand the range of services offered to.

Marcio Alaor Proves Why He Is Still The Best

Marcio Alaor sits at the helm of Brazil’s biggest consigned credit provider. Looking at him now, it’s hard to believe that this man once shined shoes and is now a seasoned and successful banker, being the Vice President of Banco BMG.

Marcio has very highly regarded Administration skills and management talent. It seems inborn given how well he interacts with employees and investors of the bank. Thanks to his exceptional skills, Marcio has led the bank to a growth path that has seen it expand 17 times in the last decade.

Under his hawk eye, the bank has built an efficient and well-oiled team that has excellent qualifications and has established a reputation for hard work. The group has developed an extensive distribution network with 3000 branches and 50 000 workers across every municipality in Brazil.

In his tenure, Marcio Alaor has led the bank to partner with Banco Itau to create a new Payroll outfit called BMG ITAU PAYROLL. It is a bank expected to fill the demand for private credit in Brazil. The new partnership will not affect consigned credit provisions, and the series will grow. It will provide payroll loans and consigned credit will remain.

The new outfit has leveraged the best of BMG and Itau to create a $ 1 billion bank. The bank is leveraged 11 times and already has 8 million customers. The country has been graced with an unfortunate economic crisis that has seen it slide into recession.

Marcio regularly posts on a column in a leading newspaper in Brazil. He recently published an article on Australia where he said it is a country Brazil should look up to. It is a state that depends on commodities and has leveraged that to grow very fast. It has does this by working closely with changes in the international market and enacting relevant measures to stay relevant.

Australia regularly reviews its interest rates and controls inflation to cushion its local market. During the international crisis, it doesn’t tax small businesses. It has allowed it to post average annual growths of 2% since 2008 despite the worldwide crisis. The Brazilian economy is expected to shrink by 4.5% this year thanks to a corruption fuelled recession.

Marcio also describes General Motors as an example of a good IPO company. It had been on the stock exchange since 1915 when it got into the NYSE.Ford Motors launched its 1st IPO in 1956 and was oversubscribed. Marcio reveals nearly half of Americans have shares in the stock market.

Marcio is a fan of Tag Hueler watches. He loves the passion its CEO has for his brand. It is a brand that he has grown for many years, and Marcio says it’s how a business should grow.

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