Forefront Capital Seeks to Expand Investment Opportunity to Middle-Class

Since the financial crisis of 2008, the increasing income gap between the highest earning households in the United States and the rest of country, known as the 99 percent, has been growing in public conversation lately. Many are concerned because this disparity has huge consequences for the country’s economic future. It has been suggested that this income or rather wealth gap is because of investment opportunities available only to high-earning households. Forefront Capital and its founding CEO Brad Reifler seek to change that.

For much of his career and as Wikipedia shows, Reifler’s expertise was geared toward accredited investors. These are households with an annual income in excess of $200,000 a year and/or a net worth greater than one million. The standards and options available to these households are more flexible and very different from what most middle-class Americans have access to. This flexibility has allowed accredited investors to have much higher rate of return on their investments. These rates are significantly higher than those achieved by traditional investment structures like pensions or a 401k.

For Brad Reifler, the awareness of this difference was not just a professional observation as the CEO of the Forefront Capital. It was a personal one. He spoke of being approached by his father in law who wanted him to invest the life savings he accumulated over 35 years as a small business owner. Reifler quickly realized that the approach used for previous clients could not be used for his father in law because he didn’t fit the requirements of an accredited investor. This led him to create the Forefront Income Trust. Among the features of this fund is the minimum of $2500 to become a client. Such a low minimum makes access of this fund to middle-class Americans a real option.

Several features separate the Forefront Investment Trust from traditional investments available to the middle-class is structure. Unlike an IRA or 401k, the Forefront Investment Trust is not interdependent on the stock market. This allows for a more diverse, robust strategy that increases the potential of greater returns. Another attractive feature of Forefront Investment Trust is the stated position of the company founder and CEO, Brad Reifler. He has made it clear that the company does not make money until the client makes an eight percent return. “We want to be a firm for the people,” says Reifler.

With over 30 years of experience, Brad Reifler certainly has the resume to back his position. In 1982, he founded his own trading company after graduating from Bowdoin College. So successful was this venture that it was brought by and even larger company Refco. From there he went on to found Pali Capital where he served as Chairman and CEO for 13 years. On social media, Brad Reifler has gained respect for his pushing financial education among the middle class. He received lots of press attention for an article in Reuters titled “Brad Reifler’s Five Tips for Investing

Why You Need To Hire A Company for Advertising in Brazil

Every business person who is serious about giving his or her products visibility and a bigger market should definitely consider advertising the products. Advertising not only makes the target clientele aware of the presence of the products in the market but also provides options for buyers out there. Very many people usually end up not purchasing products because they are unaware of their existence or even use.

A business owner who decides to advertise products has very many options on how to go about it. The entrepreneur can print out fliers and brochures for distribution to the potential clients. Advertising can also be done by word-of-mouth whereby the message about new or existing products is passed around verbally. However, it is agreeable that taking up the task of advertising and doing it by yourself is very tiring. This is why you need to hire an expert to do it for you.

Many advantages arise from hiring an advertising company to do the advertising job for a business. One of the greatest benefits is saving on publicity costs. Many people are usually afraid that paying a company to perform the advertising function for a business is costly. This is not the case especially in the long-run. You are likely to save up on so much money because the publicity methods that a company chooses are precise and effective. The techniques applied by such companies are usually already tried, tested and proven to work. This means that you will not be playing a game of chance with the company.

Another advantage that arises from working with a company is that the task of doing the advertising by yourself is lifted from your shoulders. All the stress and trouble of thinking of creative ways to market your products will not be yours anymore. The company will take up the entire job and all you will be left worrying about is how your business is doing. If you really think about it, you will be lifting a very huge burden from your shoulders if you hire a company to advertise your products for you.

One great company to work with in Brazil is Heads Propaganda. This is a company owned by Cláudio Loureiro who has vast experience in the advertising business. Claudio has worked on a great variety of assignments from clients and has successfully provided their businesses with the exposure and publicity they needed. A company like Heads Propaganda is what you need to drive your business forward.

Majeed Ekbal, Reshaping the Chicago Investment Scene with other Business and Marketing Leaders

Many startups companies have come up surpassing statistics of each previous year. For the longest time, many investors overlooked Chicago despite the area having many untapped investment opportunities. Those who planned to establish new ventures had to move elsewhere but that is not the case anymore. Business and marketing leaders within Chicago have built a strong relationships and collaboration networks that have resulted in the resurgence of investments in the Chicago area.
According to Built in Chicago, the year 2012 saw 367 startups in the digital sector underlying the important role the sector has played in shaping the investment landscape. Many of the startups were inspired by the Groupon fast rise, which put Chicago on the global business map. The opportunities provided by angel investors have greatly contributed in enabling business people in Chicago to make considerable investments. Their efforts are boosted by the Universities in the area like the University of Chicago that has aligned and transformed their programs on entrepreneurship.
The year 2014 saw many of the Chicago businesses make huge profits, a trend that continued ever since. According to the projections made by the Annual Innovation Economic Outlook of the Silicon Valley Bank, the trend is expected to be better as the year closes. Early this year, the Magnificent Mile Association held its annual meeting to start its centennial year. Many of the business and marketing leaders attended the meeting showing the close working relationship that they have embraced over the years. The attending members of the business community recognized the contributions made by outgoing members of Magnificent Mile Association. They also inducted new leaders to the board of directors of the association.
There are new marketing and sales methods that have been employed in accessing financing from investors. Many companies have been able to retain their workforce through improving their brand perception and offering training to the people. One of the people well versed in this area is Majeed Ekbal. He is a versatile, skillful, and talented person having a vast experience as an entrepreneur and marketing executive that spans several decades.
Majeed Ekbal is the founder of Expresso, a company that purchases and delivers groceries. The company undertakes this functions on behalf of its customers by delivering the products to them within a given a period. Prior to starting Expresso, Majeed Ekbal is a Chicago businessman who operated an overseas investment company. Presently, he serves as the brand and client relations manager for Razorfish, a marketing and public relations company. Majeed Ekbal is a graduate of the popular American University in Washington.

Investment Banking Procedures Focusing On Griffin’s Contribution To Citadel Inc.

Investment Banks are financial organizations that help governments, people and corporations raise financial income through acting as agents for clients in issuing securities or by raising financial capital through underwriting. These banks may also help the corporations involved with acquisitions and mergers to provide services like FICC services, equity securities, trading of derivatives and market making.

Unlike the retail banks and commercial banks, these investment banks do not allow for deposits. Commencing 1993 till 1999, the United States upheld a separation between commercial banks and investment banks. Other modernized countries with the inclusion of G7 nations have in the past not observed this separation. The Consumer Protection Act or the Dodd Frank Act declares whole institutional division between commercial and investment banking services.

The two major lanes of business in the investment banking sector are called the buy side and sell side. The sell side either entails trading of securities like market making and facilitating transactions for other securities or cash; or promoting securities as is the case in research and underwriting. The buy side on the other hand is concerned with providing advice to organizations that deal with the services of buying investments. Some examples of buy side entities include hedge funds, unit trusts, life insurance companies, mutual funds and private equity.

Investment banks could also be divided into the public and private functionalities with the presence of an information barrier that separates them to avoid crossing of information. The public sector of the bank, like stock analysis, deals with the public information. The private section on the other hand deals with the private inside information of the bank that should not be disclosed to the public.

Citadel is one such company that deals with investment banking. It is a top investor of the major financial markets of the world. They market themselves all around the globe and work tirelessly to capture and uncover fresh opportunities. Across the wide range of investment techniques, they deploy their capital with the aim of consistently generating investments that are risk-adjusted for their capital partners and investors. Citadel is focused on delivering excellence to its clientele. They have focused and talented minds in their company. They activate their employees’ strategies and ideas through tough range of execution capabilities and proven technologies.

Griffin is the man behind the formation of Citadel in 1990, and he is the Chief Executive Officer of the firm. The company is diverse with the inclusion of Citadel Group, Citadel Securities and Citadel Technology. Ken Griffin is a very active supporter of education programs that ensure the improvement of the community. That is why he serves in the Board of Directors for Chicago Public Education Fund. He is also the proud supporter of Harvard University, his former school, where he got his Bachelor Degree.

The Accomplished Author, Jaime Garcia Dias

Jaime Garcia Dias is an initiator in the Brazilian Literature field. He has written more than 20 books in fiction sphere and has gotten very many accolades to that effect. These awards include his latest Brazil literature reward, ABC award. The author is presently 45 years of age and with a lot of productivity years still in store. Certainly, many authors write books into their early 80s and late 70s.

Jaime’s story commences early on in his life. He was very fascinated by literature and started writing the first book at the tender age of fifteen. After this humble start, Jaime’s adoration for writing has only increased. He has currently come up with twenty dissimilar books. He was born by well-educated parents at Rio de Janiero. His mother was a renowned architect, Garcia Dulce Dias and a father who was a writer, Arnaldo Dias. His credit goes to his father for the interest in literature.

Apart from his illustrious and long career in literature, Jaime has also had a vocation in the education sector. He united with the Carioca Literature Academy like a teacher and taught for approximately five years. The academy above was a kind of prep school for children interested in studying literature on completion of high school education.

Jaime Garcia Dias is amongst the many writers in Brazil to win and receive many accolades for his amazing works. He is presently the president of the school he previously taught in and gave credit to his icons for helping him come this far. Undeniably, there have been in the past several renowned writers in Brazil before Dias, who is currently among the leaders in the literary world of Brazil.

Amongst the amazing literary authors that inspired Jaime include Jorge Amado, who was a famous and most loved author during his days. He wrote several incredible works with the inclusion of Her Two Husbands, Donna Flor, Clove and Cinnamon, Gabriela and Captain of the Sands. Another amazing and eminent writer that motivated Jaime is Paulo Coelho referred as the bestselling novelist in Brazil for all time.

Authors in Brazil have written on Brazil for over two hundred years. The diverse natural resources, history and people in the nation make it the perfect place for autobiographies, biographies, fiction and poetry. Most of the Brazilian authors have not been very much praised or recognized outside Brazil, but this is changing due to the varied changes happening in South America. Jaime has been at the center of bringing awareness to the Brazilian writers by associating himself with the Academy.

Jaime’s high-quality fiction works have also aided in helping raise the stature of Brazil’s world of literature. Jaime has gotten different awards for five of his collection of 20 books. He is becoming the best-loved and known Brazilian author.

Flavio Maluf Continues the Success of Eucatex

Born on December 2, 1961, Brazilian entrepreneur and mechanical engineer Flavio Maluf entered the world ready to change it. As the eldest son of Brazilian politician Paola Maluf, Flavio graduated with a degree in mechanical engineering from Fundacao Armado Alvares Penteado Foundation in Sao Paulo, Brazil. Next, he took a year to travel to the United States and continue his studies at New York University.

After spending some time working with a variety of banks including Citibank along with managing other businesses, his uncle and current President of Eucatex invited him to join the family business in 1996. The rest is history.

In no time at all, Flavio had become President of the company in 1997 and sought to continue the family business’s tradition of quality and care for the environment. Flavio is the brains behind much of the business’s skyrocketing success in using the raw material of eucalyptus into both acoustical ceilings and fiber wood sheets.

With a strong emphasis on creating quality products while keeping the environment’s health in-check, Flavio is eager to give back to the community as well. He participates in many initiatives to help the needy and supports charities. At the moment, Flavio has partnered with Hospital and Maternity Idio Carli as part of his dedication to serving his local community.

Perhaps one of the reasons Flavio makes such a great President is that he has worked in nearly all of the company’s departments giving him experience in the heart and soul of the business. Eucatex currently has 4 offices and approximately 3,000 employees comprising it and sells its products in over 36 different countries around the world.

Some day, Flavio aspires to continue the family legacy through his own family. His wife, Jacqueline de Lourdes Torres, and he were married in 1986 and have since been blessed with 3 sons and 1 daughter. It is the youngest son of his 4 children that he has his hopes set upon; wishing to hand over to him the key to the family business, when the time is right.

Doe Deere, Founder and CEO of Lime Crime Make-up, an Unapologetic Line of Make-Up

Lime Crime Make-Up is not for everyone. It is bold, makes no apology for what it is, and enhances the natural tones and colors in a wondrous blend and a bold statement. It is more than make-up. It is an artform you use to make a statement about you. About who you are. You can use it to show how you are feeling from day to day, evening to evening. There is an article that originally reported on Lime Crime and Doe Deere: For your convenience click here to read the article. You can also visit Lime Crime’s main website here.

The idea was born in Los Angeles, California in 2004. Deere speaks candid about the birth of her unapologetic Lime Crime Make-Up Line: “In 2004, I registered a new account on eBay – “limecrime” – for my new DIY fashion line. I modeled everything myself and wanted my whole look to be on-brand, so colorful makeup became my staple. The idea for a makeup brand originated back in my sewing days – part inspiration, part necessity because I found that bright and unusual colors were hard to come by! I launched Lime Crime in 2008.”

The colors are bold, and intimate, dependent on your mood. It is all about you. This is taken directly from the ‘About Page’ from Lime Crime’s website: “What if makeup did more than just cover up imperfections? What if it helped you express your personality? If you like to live unapologetically, Lime Crime is for you.

“We are an independent team of makeup lovers from Los Angeles, committed to producing the most kick-ass, true-to-color, cruelty-free cosmetics.

“Our founder and CEO, Doe Deere, started the company with a few hundred bucks & a dream. Today, she makes makeup dreams come true on a daily basis and occasionally encourages fans not to “quit their daydream”.” Now how cool is that?

To sum up
If you are a woman business owner, we would love to read your story. Please submit it to The Story Exchange (Where Women Mean Business) here.

Check out the article here by The Story Exchange. You can also visit Lime Crime website here..

If you want make-up that is bold, unapologetic and has the subtlety of a diamondback, with the intimacy of seduction, along with bold colors to reflect your mood, then Lime Crime make-up is for you.

Kyle Bass Makes Poor Choices, Pays For It

There are plenty of articles that one can find that praise various hedge fund managers and the like. However, there are not as many articles that one will find about the mistakes that some of these managers make. That being said, Kyle Bass is the perfect example of someone who has made some terrible investment choices and has paid heavily for it.

If he was ever a good investor, that good period has long passed for Mr. Bass. His investment strategies have been tanking all the while he seems to accept more and more media requests for interviews. This is truly an odd situation, but it appears to be the route that Bass wants to take.

The associates that Bass keeps company with are not people that are too impressive in the world of business either. The fact is that some of these people have terrible records in the business world, and others are simply seen as not being all that important to making good investment choices.

A lot of the ties that he has are the Argentina, but this does not seem like a very sound thing to do. There is a lot of speculation about why Bass has these connections in the first place. That being said, there are not any hard connections that are known for sure which can explain all of this.

Lately he has been in the news for buying up prescription drugs and jacking up the prices on those drugs. The sad part is that these are drugs which patients need badly in order to remain alive. However, it seems that Bass cares only about his own profit line and how much he can rake in for his companies. He does not seem to care about the patients that purchase his product.

UsefulStooges show that he has tried to say that the reason for the price increase is so that more money can go into funding a better drug. However, industry experts have refuted this saying that the current drug is perfectly fine for getting the job done. They also don’t see why one would have to raise the price of the drug in order to pay for new research. Why not just fund the research they say?

There are certainly a lot of questions about this character and they are likely to only continue to rise as time goes on. Those who have ever considered doing business with him ought to steer clear at least for the time being. There are far too many question marks about this man.

OrganoGold Continues Expansion into Turkey

Two of the most commonly consumed beverages in the world are coffee and tea. Every day, hundreds of millions of people across the globe have a cup of coffee or tea to either start their day or relax during a break. While coffee and tea are very commonly consumed, most people do not think much about the amount of vitamins or other health elements in the drink. For those that are looking to have a healthier beverage, OrganoGold is a great option.

OrganoGold is a company that produces coffee and tea products that contain the gandorema ingredient. This ingredient is a little-known item, which contains plenty of health benefits to the consumer. Those who choose to drink an OrganoGold cup of coffee or tea will enjoy the high level of antioxidants that it contains. OrganoGold has developed a large product line as the demand has continued to grow. Right now, the company sells close to a dozen different types of coffee and tea products. The products can come in traditional packages, but can also come as single-serving items.

While OrganoGold has had a strong presence in North America, Europe, and Asia, the company is continuing to look for ways to expand into new markets across the globe. This past week the company made large strides when it announced that it is expanding into the developing nation of Turkey. This will be the 39th different country that the company will now sell its products.

BusinessForHome said that as the company has continued to grow, OrganoGold has continued to rely on the leadership and vision of its founder and CEO, Bernardo Chua. Bernardo Chua was originally born and raised in the Phillipines and has a long history of being an excellent marketer and innovator.

Andy Wirth Sees The Clean Power Plan As good For Both The Economy And The Environment


The environment has recently been having a large impact on the economy of California in the view of Squaw Valley CEO and President Andy Wirth, which has led to him throwing his backing behind the Clean Power Plan being considered across California. In an article printed in the Reno Gazette-Journal the former volunteer firefighter and Edinburgh University graduate has expkained why he believes the plan will be of benefit to the Olympic Valley region. In his article, Wirth explained that by accepting the Clean Power Plan the Reno area would see a boost to its economy and improve the environment that is vital to the tourist industry.

Andy Wirth arrived at Squaw Valley Ski Resort in 2010 as CEO and President of the group after a successful resort management career that included time in North American and Carribean resorts. The German born executive has been a major supporter of many community based programs in Olympic Valley, which include working for the Lake Tahoe Winter Olympics Committee. Following a skydiving accident that saw Wirth almost lose an arm the tourism expert has also been working to raise funds for a number of groups, including the families of Navy Seals.

Andy Wirth believes the Clean Power Plan can benefit the Reno region as a whole in a number of ways. Firstly, a switch to burning less fossil fuels should see the quality of air in the Olympic Valley region improve and see a return of greater numbers of tourists. The area remains popular, but Wirth believes any action to aid the environment of the Reno area will be a positive in bringing in new visitors and adding an extra aspect to the economy.

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