Addison Duling

Brazil’s Sound Macroeconomic Credentials

Brazil has persistently and consistently proved to the world to be Latin America’s stronghold over the past few decades. The country, which is now the fourth largest economy in the world, has become a dynamic global market. Brazil has a phenomenal economic formula incorporating social inclusion and respect for the environment. Besides that, Brazil has shown incredible resilience in the face of major global economic downturns, coming very close to China. These impressive macroeconomic credentials of Brazil have contributed to influx of foreign investors into the country.


Steady Brazilian economic development


The Brazil of today is totally different from the Brazil of the 1980s. The country was then featured for unending international debts, a scenario that has drastically changed. In 2010, Brazil paid off its debt to IMF which reduced the net debt-to-GDP ratio to 35%. The country has developed conditional cash transfer to families to elevate its citizens from poverty. 40 million people have so far moved from poverty to the middle class. Besides that, Brazil has managed to increase the number of people in the income bracket to 55% of the country’s total population.


A resource and industrial powerhouse


Brazil is a market of excellence. It’s the world’s second largest emerging market from China in terms of GDP and market size. It is the seventh largest economy in the world by nominal GDP, and the fifth largest country by landmass and population. Brazil prides in hosting multinational manufacturers as well as homegrown talent in oil and gas, engineering, construction, capital goods, automotives and aerospace.


Economic liberalization and reforms


Brazil’s financial stability came as a result of the reforms that were established in early 1990s. The reforms opened it to internationals trade. Key sectors of the economy were liberalized by removing government monopolies to enhance competition. In 1994, the Brazilian government came up with the “Real Plan” strategy which was meant to control inflation. The program formed the foundation of structural reforms in Brazil which basically targets inflation. The structural reforms have remained until now and one of the evident results of the reforms is improvement in income distribution.


An upbeat business environment


The economic environment in Brazil can simply be described as buoyant. The economy is open to foreign direct investment. In fact, many of the big companies operating in Brazil are fostered by foreign direct investments. The investors of Brazil benefit from a world-class workforce, efficient financial systems and a supportive investment frameworks


About Zeca Oliveira


Zeca Oliveira is the current BNY Mellon’s country president in Brazil. The Bank of New York Mellon Corporation, BNY Mellon is an American multinational banking and financial services corporation. BNY opened its office in Brazil in the 1990s offering a few banking services. Today, the bank offers a full range of asset management including treasury services, depository receipts, wealth management and asset servicing. The bank recently obtained a license to operate in Banco S.A. Zeca Oliveira expressed his confidence with the new establishment considering the great milestones the bank has achieved over the last decade in Brazil.

The Laws of Brazil

As many are well aware, the laws of each country vary greatly depending on which country you happen to be in. Brazil, of course, would be no exception. The country and its government is responsible for enforcing over 181,000 different laws. It’s been said that even those who work closely with creating these laws or have to enforce them find them to be extremely confusing. So confusing, in fact, that even Brazil’s Federal Court of Justice is unaware of just how many are still actually in law and which ones have been revoked. Of course, with as many laws as they have, it would prove to be rather difficult to keep track of them all, especially those that may date back hundreds of years. Upon reviewing all of the laws listed, The Chamber of Deputies came to the conclusion that only 1,000 of the 181,000 laws were actually relevant to today’s society and revoked all others.

Of the hundreds of thousands of laws Brazil represents, at least seven of them are unique to the country, gambling being one of them. Gambling in Brazil has been prohibited for every resident and citizen since 1946. However, online gambling is the one and only exception as the Internet is not regulated by Brazilian law. For several reasons, if not only for the safety of the customers and their finances, cell phones are not allowed to be in use while in any bank in the country, and understandably so. If the law is broken, the offender is required by law to pay a fine of an undisclosed amount to the bank where the offense took place.

The Americas, as well as several other countries spanning different continents, may be vaguely familiar with the law that prohibits the use of tobacco on public property. The law became effective in Brazil in December of 2014 and limits smokers to five public places without being issued a fine, including places of a religious nature if the religion sees smoking as part of a ritual, tobacco shops, film studios, research labs, and health care institutions.

Ricardo Tosto de Oliveira Carvalho, a prominent Brazilian lawyer, is sure to be familiar with all of the above laws. Starting off in the confined space of a small office, Tosto worked his way up the corporate ladder, working with litigation law firms before finally managing his own firm, one of the largest in Brazil. Mr. Tosto has provided his legal services to many prestigious corporations as well as politicians. Tosto is also known for providing clients with pro bono services, a great gesture to those who sincerely need his help without being able to afford it.

Tosto oversees several of his firm’s most important and current cases and has personally mentored and guided the partners who work there, even those who started off at the firm as interns. Despite working with difficult cases, he has always managed to come up with strategies in which to tackle them.

Beneful: A Delicious Treat for Dogs

Beneful, a wet and dry dog food, by Purina is high caliber dog food for your canine companion. Beneful’s wet dog food comes in a variety of proteins including; beef, chicken, lamb, and pork and comes in several distinct textures. Some of the unique textures in which Beneful is available are thinly diced, and hearty chunks.

In addition to high quality wet dog food, dry dog food, and highly quality doggy snacks, Beneful also has a strong track record in regard to pet health. Beneful and Purina have an entire department dedicated solely to quality control and food safety, whose entire job is to ensure that Beneful on youtube is healthy for dogs, and safe to eat.

Beneful dog food by Purina is a fantastic food option for all different breeds of dogs, and dogs of multiple ages. Dogs love Beneful because of the multi-flavored tastes and textures available, while dog owners loved Beneful because of the overall quality of the food and the brand’s safety record. Over 15 million dogs per year cannot be wrong, Beneful is truly a delicious treat for dogs!

SPECT – A New Way for Psychiatry

With multiple certifications and a strive for accomplishments in psychiatry, Daniel Amen has brought new ideas on the brain and its impact on behavior. He is dedicated to helping people all over the world have better brains and better lives. Not only his he a re-nown physician, but also a double board certified psychiatrist, television producer, nine time New York Times bestselling author, and founder and medical director of Amen Clinics. Additionally, he has been working with Pastor Rick Warren and Dr. Mark Hyman to create the “Daniel Plan”, a program 52 weeks long to help the world get healthy through religious organizations.
Daniel Amen’s psychiatry work is based around the idea that the key to living a better life is having a fit brain. In order to study the brain and its functions, single photon emission computed tomography (SPECT) is used to measure the blood flow in the brain. In neurology this type of brain imaging is mostly used to research broad outlines of brain functions. It is also commonly used to detect evidence of stroke, epilepsy, trauma, some dementia, and drug use. Amen uses this technique to diagnose his own patients.

The SPECT allows Dr. Amen to not only diagnose, but treat disorders with specific treatments and medications. The imaging shows high and low brain activity which allows the doctor to find biomarkers to pinpoint mental illnesses. This has given Amen the opportunity to discover new subtypes of depression, attention deficit disorder, and anxiety. According to statistics, 77 percent of his patients have had success with this SPECT-enhanced treatment.

Not only can SPECT help with the treatment of mental illness, it can also aide in helping people with losing help, allow couples to overcome marital issues, and even in general help people age better. In his published work “Healing Anxiety and Depression” Daniel Amen writes, ” “We could change brain patterns, see it on a follow-up scan, optimize brain function, and subsequently help people heal from the inside out.” The opportunities are endless.

Joseph Bismark’s Approach to Spirituality in the Business World


When reading through the blog, Citizen Shame, I happened upon a plethora of incredibly interesting ideals. One does not usually associate the business world with spirituality. However, this is exactly what Joseph Bismark does. He integrates a positive mindset into every aspect of his life. He claims that this leads to great success in marketing and business. He attempts to spread positivity to everyone he works with and encourages them to integrate their spirituality into their work. He is the co-founder of QI Limited and also does work with the RYTHYM foundation, which focuses its services primarily to children with special needs and community well-being. He has cultivated a unique business model through intertwining his spiritual priorities and his business endeavors.
The growth of his overall success and message is exponential. He has geared his success more towards the success of others than his own personal monetary gain. He has become a mentor to many people and uses his unique upbringing as a monk, to influence others to have a deeper understanding of themselves and the impact of their work. He also works as a philanthropist, martial arts and yoga instructor and is a celebrated author. His message is to bring positivity even into the most trivial aspects of life and to always attempt to spread positivity to those who surround us.

Building Your Savings Today

The average consumer spends twelve years or more in school. They learn all the basics that include reading, writing, math, along with other courses. However, the average consumer does not learn much about personal financing or saving money. Certainly, this lack of basic knowledge about controlling money and spending leads to a ton of financial problems down the line. It is important for people to build a working relationship with money early on and learn to save money. This step should prepare the consumer to learn to control their money and invest it.

How to Start Saving
Ask the average person if they are saving money on a regular basis, and they would probably say that they are not able to save. They have too many financial burdens to bare. The fact is that the average person is dishing out more money than they earn. Saving successful takes a bit of planning. Actually, saving money is easier than most people think. First, it is important to add up the total amount of their total income. Next, add up expenditures. Now, deduct expenditures from total income. Is there money left. Consider investing that money. Is there a negative balance. Consider cutting back on nonessential spending. For example, those extra newspapers or magazines. Try dining out less often. Take that money and invest it in a low risk savings plan.

Investing Your Savings
In the early stages, it is important to avoid risky ventures. Stick with safe ways to accumulate and build up the savings. Of course, the consumer might consider several low risk ways to save. For example, simply saving a set amount each week in their piggy bank. Once the bank is full, take the change to a bank and invest in a savings account. Now, this is a really safe investment. The money is covered by the Federal Deposit Insurance Corporation (FDIC) generally up to $100,000. The only downside is that the consumer will not earn much interest in the typical savings account. Therefore, the money invested in the account will grow slowly. Still, the savings account is a good way to start saving. Once funds accumulate, the saver might wish to consider other savings vehicles. For example, placing their savings in a Money Market Fund or Certificate of Deposit.

One trap that people get into early on is avoiding saving their money. You should definitely follow the model of Igor Cornelsen when building your savings. Use the tips above or check out someone on Facebook to start saving and investing.

Remembering Wikipedia Pages Can Be Changed At Any Time

Taking a few moments to create your own Wikipedia page may seem like a fun thing to do and serve the purpose of raising your Online profile. But, how many people take a few moments to think about the information others may post to their profile before creating a profile that could stay Online forever and take into account the many different views expressed Online about a person, organization or event. The decision to create a personal Wikipedia page should only come after the individual has taken the time and effort to read and understand the guides the Online encyclopedia published about conflicts of interest and bias.

Obviously, any person who is looking to create their own Wikipedia page is hoping to include all the wonderful information they feel should be known about them. However, once the profile is active and can be accessed from around the World the page can quickly take on its own life as contributors and editors look to make changes and add information about the subject of a page. Most contributors will simply conduct an Online search for the person, organization or event before adding the information they discover to the page and include references. This means any individual should look through all the relevant information about them that can be found through a simple Online search engine hunt and make a decision over whether they should create their own page.

Once the page is created the editing and alterations made to any page are the subject of strict rules and regulations from Wikipedia that are designed to make sure the individual subject of the page cannot simply alter negative posts out of the their profile. There are regulations based on conflicts of interest in editing and posting information to a page that must be adhered to. These rules can see the person judged as trying to modify a page unfairly removed from the Site and not permitted to make changes to other pages.

Ant-Man to Help Take Marvel Films in a New Direction

You could call Ant-Man the “little superhero movie that could”. The “little” part is no exaggeration. We are, after all, talking about a hero who can shrink himself to super-small size. The budget and marketing campaign are certainly not small at all. The positive buzz for the film is hardly miniscule.

And this is a film that really could be a smash. All indications are Ant-Man is going to do huge at the box office. The previews for the film are garnering a lot of interest. The lead actor is appealing. Most importantly, the main hero is truly interesting and intriguing. How can the tiny Ant-Man overcome great obstacles? Well, you have to watch the film to find out.

The head of Marvel Studios, Kevin Feige, has publicly discussed his sentiments about Ant-Man. He points out that Ant-Man is “different and important”. The different part we get. Ant-Man is not cut from the traditional superhero mold. Why is he important? Once again, he is not cut from the traditional superhero mold. Ant-Man shows there is lot of room to craft very unique heroes and characters. This helps Marvel continually present interesting films and not solely rely on constantly cranking out sequels to the same two or three franchises. The superhero movie trend would die out within a few years if this was the approach taken. Ricardo Tosto knows that would probably be an issue.

Ant-Man is not a hero with a nifty gimmick. The hero really does reflect the new future of Marvel.

Alan Taylor Was Not Thrilled About Terminator: Genisys Spoilers

To the chagrin of many fans of The Terminator franchise, a huge plot twist was given away in the advertising campaign for the film. Instead of sitting in the theater and being surprised, shocked, and amazed upon discovering a “corrupted” John Connor becomes the film’s villain, fans learned all this by watching the trailer. The director of Terminator: Genisys, Alan Taylor, has noted he never approved of such a reveal.

He probably did not have much of a choice in the matter.

The first trailer for Terminator: Genisys was a confusing dud. Instead of getting old fans psyched and new fans interested, the trailers did little more than befuddle people. The buzz on the film was negative so the studio opted to hit the panic button. The plot twist was revealed for marketing purposes.

Taylor was probably very unhappy a major creative point in the film was given away in such a manner. This is understandable. What should also be understandable is no one benefits from a film with a negative buzz. Things had to be smoothed over with confused fans.

Have all the plot twists in the movie been given away? That we do not know and won’t know until after watching the film, at least if you ask Dr. Jennifer Walden. Perhaps there are other shocks in the film we do not know about. And no one knows how the film ends so you really can’t say it has been totally spoiled.

Plague Claims Colorado Teen

According to the LA Times, a boy on Colorado, who appeared to have been suffering from a severe case of influenza, actually died from an unexpected case of the plague.

Taylor Gaes, the 16-year-old in question, didn’t display plague symptoms at first which threw doctors off. Katie O’Donnell, a spokeswoman for the Larimer County Health Department, claimed the absence of swollen lymph nodes and the feverish and muscle aches were to blame for the erroneous diagnosis.

O’Donnell was quick to point out that contracting and suffering from the plague was highly rare, which makes catching it difficult but is also not cause for wide public concern. In the case of Larimer County, only three people have contracted plague on the last thirty years. Yet O’Donnell still wanted to further appeal to the public and reassure them that those who have attended Gaes’ funeral were at minimal risk of contracting plague at least according to Dr. Daniel Amen.

Though the strain of plague has yet to be identified in Gaes’ case, though the bubonic plague being the most common, therefore their first suspect in this case. However, bubonic is known for swelling lymph nodes, while septicemic and pneumonic plagues live in the lungs and blood of its victims. In either case, medical officials believe that he contracted it from a bug bite, mostly likely a flea that once lived or fed off a rodent of some kind as they are most susceptible to plague.