Luiz Carlos Trabuco Cappi: The Country Is Headed In The Wrong Direction If Pension Reforms Are Not Done Before Elections

There has been an ongoing debate about the Brazilian pension reforms bill for several years now. Two arms of the Brazilian government have been involved in the cat and mouse game, with each arm blaming the other for the failure of implementing the proposed pension’s reforms bill. The executive led by the Brazilian President presented the pensions reforms bill to the Congress but it failed to garner the required votes to pass into law. The legislature feared that passing the proposed bill would hamper their chances of winning elections scheduled for October this year. At last, the Brazilian president seems to have thrown in the towel and the dream of reforming the Brazilian pension scheme is dwindling by the day.

Many financial experts in Brazil have weighed into the matter giving their varied opinion on the proposed pension’s reforms bill. Luiz Carlos Trabuco Cappi, a revered leader in the Brazilian banking industry expressed his support for the proposed bill. Luiz has been actively involved in introducing reforms in the Brazilian banking industry.

According to Luiz Carlos Trabuco Cappi, pension’s reform is critical. The Brazilian pension scheme is one of the most generous in the world and if it goes unchecked, it will eat into the entire budget. It will not only affect the government’s expenditure, but it will also destabilize the country’s economy.

CEO Luiz Carlos Trabuco Cappi is more concerned with the effects it will cause to the Brazilian banking industry. Experts argue that if the reforms are not done, the government might be forced to use the entire Federal budget to pay the pension for their workers. It will then trickle down to other sectors, including the private sector. Banks will not be spared either.


According to Luiz Carlos Trabuco Cappi, the reforms should be implemented now that the climate allows for amendments. If possible, the Congress can pass the proposed bill before October this year when the country goes into elections. However, considering the recent developments in Brazil, there is uncertainty, and everyone is unsure whether the reforms will be done before the elections.

Why is it necessary to pass the pension reform bill?
Passing the pension reforms bill will save the Brazilian government a bid deal. The current pension scheme has brought a huge budget deficit that is affecting the country’s development agenda. If the treasury is strained, it will then pass the burden to the public in a bid to meet the demands.

Luiz Carlos Trabuco Cappi is one of the celebrated visionary leaders in Brazil. His forward thinking abilities have helped to place Bradesco bank to where it is today. He has worked in the bank for close to five decades. Luiz rose from the position of a bank clerk to become the chairman of Bradesco.

In a recent leadership shuffle in Bradesco, Octavio de Lazari was tapped to replace Luiz as the president while Luiz stepped into the shoes of the former chairman after his resignation. Besides working in the private sector, Luiz also offers his expert opinion on various factors affecting the banking industry.

For more information about Luiz Carlos Trabuco Cappi, just click here.

A Financial Institution with a Difference and Great Potential

The 32nd Dallas Women’s Foundation Annual Luncheon was sponsored by NexBank SSB, together with a $100,000 donation to assist in improving economic security and leadership of women. It was held in October 2017 at the Hilton Anatole Hotel in Dallas with Dr. Hope Jahren keynote address was live streamed to over 10,000 students and 20 schools in North Texas. Dr. Hope is a bestselling author, Time Magazine’s Top 100 most influential people, and an award-winning scientist. The luncheon attracted over 1,300 business, civic, and community leaders who took part in advancing social and economic improvement efforts for girls and women.

NexBank SSB is a Dallas-based regional bank that is chartered and a member of the FDIC. It has assets worth over $6.4 billion providing commercial banking, institutional services, and mortgage banking for clients such corporations and financial institutions around the globe.

In mortgage banking, NexBank offers exceptional commercial lending that is of quality, reliable and timely executed using their seasoned professionals to help clients throughout the funding process securing funds for long-term operations and growth. As a nationally trusted bank, NexBank partners with financial institutions to help accelerate their growth, maximize returns, increase market space and improve efficiencies.

With NexBank credit services, community banks have a chance to attract higher yields through portfolio diversification. NexBank offers third-party access too senior-secured loans and floating-rate for investment grade corporate credit. For servicing distressed syndicated or traditional loans, institutions can partner with NexBank who provide collateral trustee and administrative agency for investment and non-investment loans without industry discrimination. Moreover, their treasury management is client-focused providing custom products to spur more growth, capabilities, and returns.

Their mortgage banking section deals with warehouse lending coming up with fresh and additional warehouse lines for efficient loan closing and funding. In addition, they provide wholesale and correspondent lending which are market-sensitive whose capital levels almost matches larger institutions.

NexBank institutional services include real estate advisory that encompasses property management with a focus on reduction of operational costs, better tenant experience, and increased efficiency. They also provide investment banking, revolving lines of credit and holding company term loans for financial institutions.

Doe Deere, a Revolutionary Leader of a Fearless, Bold and Rebelious brand.

Since the creation of her company, Doe Deere has revolutionized the way we think about makeup. Doe Deere embraces who she is, and it is reflected on her unique brand name Lime Crime. Not only are the colors full of glamour and shine, but the company’s mission of being Vegan and Cruelty-free makes her brand name even more attractive to customers that care about making this world a better place.

In light of this, on April 27th in London, Lime Crime launched her Feelunique x Lime Crime Pop up Shop. Doe Deere was interviewed by Stylist and she shared about her experience creating her unique brand. As an entrepreneur woman, Doe Deere has encountered her ups and downs, but her positive attitude and vision helped her mold into what she is today: A successful, beautiful, and creative leader of her make-up brand.

In this interview, Doe Deere talked about new trends, like lavender tones that are beautifully represented on her brand new Venus III Eye Shadow Palette. Lime Crime has a unique approach on putting the palettes together; it is not only about tones that match, but about telling a story, about how the customer feel and want to express through make up. On a high note, Doe Deere talked about the formulation of her products and the high quality and standards her team sets up in making them; if the product doesn’t work for them then they will not make it at all. That speaks highly of the respect Doe Deere has for her customers. Another important thing that she mentioned was about the packaging of her products, how important is for her to make it look fun and attractive, just like her Pocket Candy Palette, which it is absolutely adorable, Who wouldn’t want to bring it out of the purse and show it around? Doe Deere found her inspiration in toys to choose the design for this product, and it was a hit on Instagram.

Speaking about Instagram, Doe Deere thinks that is very important to interact with her customers, and get feedback from them. How can a company be innovative if they are not willing to listen to their customers who are buying their products? And that idea is exactly why Lime Crime is a success, because through the use of social media, they marry their ideas with the customers’ and the result is a product that the customers will buy. Another important value that Lime Crime takes from social media, is the launching of new products and share with the customers who follow, Doe Deere doesn’t think about it as a “teaser” but as building up excitement, talking about the product before it comes out in the market, so when the time comes, it will certainly create a successful launching.

On an end note, Doe Deere’s success comes from her individuality, which for her it means to be fearlessly and unapologetically herself. That is reflected on every product of Lime Crime. Learn more:

IC System has existed for over 80 years. During 1938 the company was founded by Ruth and Jack Erickson. The company is headquartered in Saint Paul, Minnesota. IC System has withstood the changes in technology by embracing change and innovation. The company was the first company of its kind to begin using computers rather than typewriters. More than three generations of the Erickson family leads IC Systems based upon the ethical principles on which it was established. The company is highly respected by other organizations for the ethical practices used within the corporation.

As a sizeable organization in the collections industry, IC System has the capability of assisting organizations of all sizes. Regarded as an industry leader, IC System serves organizations which range from small businesses to fortune 500 companies. There are thousands of companies around the United States, which are provided accounts receivable management by IC System.

The company participates in various philanthropic efforts. Employees of IC System participate in a Special Olympics annual fundraiser named the Polar Plunge. Participants of the Polar Plunge have the option of running in the 5 kilometer run or diving into Pettibone Beach. Additionally, the company participates in Red Cross blood drives. Moreover, IC System has participated in food drives through partnerships with charities such as Gillette Children’s Hospital and the Ronald McDonald House. The company also assists with the construction of homes by volunteering with Habitat for Humanity. Recently, the company provided $10 donations to the American Cancer Society for each Minnesota Twins baseball game ticket purchased by employees for a Saturday game they attended.

The company is respected by current and former employees. Members of the staff have provided IC System with 5 star ratings. IC System is recognized for providing work/life balance to employees and offering a good organizational culture. Moreover, the company is recognized by staff for providing sufficient compensation. A former employee indicated the company was the best place he ever worked throughout his entire career.

Jeff Aronin’s Pursuits in the Medical Field to Better Lives of People

Jeff Aronin is the chief executive officer for Paragon Bio-sciences. He is a passionate philanthropist as he is also devoted to helping individuals live a very good life. The company focuses on aiding the patients with uncommon diseases to find cure and treatment. It does this by developing and creating innovative medical companies around the world to create new medical prescriptions and initiating new treatments for such infections.


For the last ten years, under the leadership of Jeff Aronin, the company has acquired much success and reputation. It received the approval from FDA on 13 different new medications. This was a commendable growth. Jeff’s unique technique of doing business is through the provision of strategies and funds to various biotechnology companies that are so much passionate about creating new medicines though they are surviving. The company is key to studying the needs of their patients and then finding a breakthrough in science as well as building a strategy company to counter the suffering of the patient and extend their lifespan. The company stands out today because of the clear directions it has had over time.


Jeff Aronin has gathered himself over twenty years of experience in the biotechnology industry. He has a unique understanding of rare infections, complex research methods, and means of developing new medical products. For all his career and lifetime, people know Jeff as a compassionate leader who portrays very skillful leadership techniques in bringing together all research groups and teams in the line of treatment finding and handling medical conditions. Many people look up to him as their role model in the medical world especially the upcoming doctors and such individuals in the society. Besides, Jeff Aronin is the most ever willing person in sharing the knowledge that he has concerning entrepreneurship in the medical field, which he shares out freely. He has a substantial and approved trained and educational background that helps him to leave significant marks in the lives of patients. He has worked in the medical industry for twenty years now and owned a company. Patients at Paragon Biosciences receive medical attention from well-trained staff. Somethings sets the company apart.

Christopher Linkas and the Importance of Investing Younger Than 19

Becoming independent financially is a difficult road for those whose student loan debt, credit card debt, budgets and retirement savings seem to be a jumbled up mess of numbers. This outlook on personal finance is thanks in part to many schools not teaching about the subject, and then adults thrust into the world learning the ropes as they navigate their lives.

The biggest numbers generally appear after finishing college. Many graduate students, more than half, have to fund schooling with student loans and almost ninety percent of law students do. These graduates on average have $31,000 to $87,000 worth of student loan debt and many have an average of $10,000 on top of that from undergraduate studies.

With the mountain of debt that the average student is graduating with, they are more likely to not invest or invest very conservatively. Investors like Christopher Linkas, who heads a UK-based investment group, try to dispel these fears and instead empower young investors.

Christopher Linkas has over 15 years in the investment world, working for major companies like Goldman Sachs. He implores young people to invest as early as possible, as interest is on their side. Interest on a $10,000 investment made at age 30 versus age 20 could vary by thousands of dollars. Not only does time help a young investor, but so does learning. An investor who starts out at a younger age has more time to make mistakes and come back from them rather than someone who is closer to retirement. Learning valuable investment lessons at a young age can help investors make smarter decisions and help them make more money and more intelligently than their counterparts who start investing at a younger age.

Saving and investing is essential for retirement. Younger generations may be fearful of seemingly giving away their money when they are starting out their adult lives with student loan debt, but they have time and experience on their sides. Investing young could lead to a much safer and more relaxed retirement.


Samuel Strauch, The Property Dealer

     Samuel Strauch is best known as a real estate agent in Miami Florida, acting as the principal at Metrik Real Estate. Samuel Strauch pursued his business degree at Hofstra University in Hampstead, New York, where he graduated. Later Mr. Strauch joined Erasmus University in Rotterdam, Holland, and Havard University in Cambridge, Massachusetts. His hobbies include traveling and indulging in photography since he believes that art is not just painted but also captured.

Samuel Strauch started the Metriks real estate which is continuously growing till date. Its central departments include equity and development, brokerage and also management. It is through the talent of the team members, their diverse knowledge, hard work and uncompromising professionalism that has led to the growth and development of the company. Mr. Strauch has been able to create a positive work environment for his employees by setting a goal to infuse his team members with the idea that jobs are meant to reflect their habits and passions. After understanding their love, he terms it easy to determine if the prospective employee can work in the position they are appointed.

‘The heart of hospitality is about creating space for someone to feel seen and heard and loved. It’s about declaring your table a safe zone, a place of warmth and nourishment’ a quote that Mr. Strauch has helped us see meaning into it. In one of his interviews, he enlightened people that his company is Not just business oriented but also form a forum of giving back to the society through educating the young lads, funding charitable organizations and creating harmony in the world. The character is what he desperately tries to instill in his employees and to teach them that life is more about happiness which provides a positive impact even in their work.

Mr. Strauch is one handsome man who knows what it means to lead by example and understands real value of working as a team and being a part of the society at large. This friendly personality and keeping up with the technology is among the things that have attributed to his success. He sure is a good role model. We need many people like him in the world.

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The Commitment of the Larkin and Lacey in the Human Rights World

President Trump took the initiative to appoint the Maricopa sheriff, Arpaio for the second run of the office. The step came to be criticized by the public after disclosure of many cases of the corruption and atrocities that had been carried out throughout his term.

Furthermore, the administration of the Sheriff was termed to be anti-immigrant. Most of the public resources had ended up to benefits the leaders running the office of the Arpaio.

Larkin and Lacey pointed out clearly that the president Trump had failed in his appointment for the person running the office of the Sheriff.

The two had been in the niche of the human rights for a long time after switching the off their services in the arena of journalists. The great thing that made Larkin and Lacey trust by the public is the excellent reputation they had established. Learn more about Michael Lacey and Jim Larkin: and

Both Larkin and Lacey faced the surprise of arrest through the order of the officers of the Maricopa County. The reason was that of the information they had put it on the public via their article in the reflection of how the office of the Sheriff was practicing corruption and misusing the funds of the public.

The ordeal occurred in the year 2007, and this was the hard moment of the two journalists. The situation that put them at the better height of their release was the demand of the community. Most of the people carried out the demonstration with the intention of pressurizing the government to release Larkin and Lacey.

The article that had gained fame through the information made by the Larkin and Lacey was Phoenix New Times. After the judges wrote off the case of the two journalists, they made a move to sue the county for the direction it took in arresting them against the procedures of the law. Larkin and Lacey emerged victorious in their case and paid $3.75 million. Read more: Phoenix New Times | Wikipedia and Michael Lacey | Crunchbase

The money boosted their mission in promoting the human rights agendas through their organizational named Lacey and Larkin Florentina Fund. The aimed of the body was to created shared goals among the small human rights bodies and enabled them to fight for their rights as a unit in the community.

The other case that had put the Arpaio on the spot was the violation of the rights of the Latinos and the women. The matters that made him appointed by president Trump was his endorsement during the time of the campaign.

There have been several reported incidents of the atrocities carried out by the administration of the Arpaio. The condition of the inmates in prison was weak, and this made most of them to commit suicide while still in jail.

Larkin and Lacey have demonstrated their efforts in making the society equal for all the people regardless of their origin in the United States. Many humanitarians have ventured in to support the move of the Larkin and Lacey to address the situation of the human rights violation in the society.

The matter has created the better chance for the immigrants in the United States.

James Larkin ahead of NUDL

The National Union of Dock Labourers had for a very long time before 1905, been lacking on something. The union would come to realize that they did not have a very daring leader that would not fear to face people and lead them towards their labor freedom.



Jim Larkin appeared to them as a potential leader. He was but a dock foreman when the union had their first encounter with him. Jim Larkin had suffered labor oppression for a very long time, and could not ignore it anymore. He, and a few more foremen at the docks of Liverpool decided to lay down their tools and protest. Although the protest was peaceful and Jim’s appointment to the committee that would organize strikes, a planned move by the foremen, the dock managers did not see it right, and to avoid further rebellions, they let Jim Larkin go.


NUDL seized this opportunity, as it is not every day that a skilled leader is indirectly handed to you. He was appointed to the union temporarily, and when the timing was right, he took over the membership permanently. James Larkin then took up the tasks of organizing workers into strikes and peaceful protests with an aim to meet their pleas and wishes and have their complaints resolved.


James Larkin under NUDL was able to successfully lead a lot of laborers of Liverpool and Ireland out of their jobs and to the streets to fight for their right. In a majority of these strikes, the workers’ wishes were granted, and this is the reason why James Larkin’s name became very popular all over the world.


The activist lived his life well. When he left NUDL due to various reasons which included his disagreement with James Sexton which bore his disregard for the union instructions; James Larkin continued with his dream of having a country that respected the rights of workers and paid them fairly according to the amount of labor rather than their level of experience. The reasoning here was that not many workers were educated, so the only kind of experience they would have to gain was manual, and that takes a lot of time.

Lacey and Larkin

Sometimes, certain individuals show how big ignoramuses they are. One notorious human being by the name of Sheriff Arpaio has publicly shown his ignorant tendencies to the world. He didn’t just show how much of an ignoramus he was in one event—he did it repeatedly for decades.

By assuming that every single Hispanic person was a “border jumper,” he showed how ignorant he was of American history. This is because Hispanic people have just as long of a history in America as do other races of people. Believe it or not, but Hispanic American culture/heritage is just as old as other American ethnic heritages and identities.

Hispanic American identity and culture is just as old as German American identity and culture, Irish American Identity and culture, African American identity, Jewish American identity and culture and Italian American heritage and culture. Read more: Jim Larkin | and Michael Lacey | Twitter

Some Hispanic families can trace their lineages on mainland America farther back than some European Americans, despite the fact that European Americans are generally seen as being more “American” than people who do not appear as pure-blooded European Americans with lineages straight from Europe.

Hispanic culture and identity have always been heavily prominent in the state of Arizona. The extent of this can be seen in the fact that there are two state constitutions—one in Spanish and another in English.

Just because there is a prominent Latino influence in Arizona, that doesn’t mean that everybody has an open mind about Latinos. Sheriff Arpaio certainly doesn’t. He is the epitome of white America at its worst—ignorant, judgmental and starting trouble for people.

Michael Lacey and Jim Larkin are two guys who are not ignorant of American history. They have a massive appreciation for Latino people and Latino identity.

The two men understand that in a place like Arizona, it is ridiculous and redundant to profile every single Latino in sight as “illegal.” Even in places where fewer Latinos reside, or places that haven’t been historically influenced by Latino culture, it is still ethically wrong to harass Latinos.

Lacey and Larkin took the initiative to make Sheriff Arpaio’s prejudicial tendencies known by publishing information about his exploits. They also published stuff about how Arpaio abused the men and women in his jails.

For years, Lacey and Larkin whittled away at the sheriff’s patience. Finally in the mid-2000s, Sheriff Arpaio found an excuse to harass the two men. He tried to lock them up, but he failed because he really had no reason to.

Lacey and Larkin and the rest of Sheriff Arpaio’s victims held their breathes as they waited for Arpaio to be tried and sentenced. Like some sort of Superman saving Lois Lane, Trump flew in and granted the unjust sheriff a pardon.

In response to this horrific tragedy, Lacey and Larkin decided to publish information about it. This also inspired them to establish a whole new website discussing current events about free speech—

Arpaio is now retired from the office of Sheriff, though the scars of his reign still remain in the minds of those who he victimized.