The Changes that have Resulted from the Introduction of the Smartphone to Retail

The current retail sector is nothing like it was a decade ago. All the changes that have taken place are as a result of the Smartphone. Previously, to purchase items such as food and clothing, one had to be physically present in a store. However, things have changed greatly and from the comfort of one’s home and without much effort on the shopper’s part, it is possible to get items ranging from the common household goods to complex machinery. This is what drives sales in the retail businesses that have tapped into digital marketing.

Jose Borghi, one of the most influential names in digital marketing and the related industries has been researching on the changes taking place in retail. He is the founder and the current CEO of Mullen Lowe, and advertising agency that is based in Brazil. He says that consumerism has been transformed greatly by the advent of technology. The two examples that he gives are Uber, the transportation business that doesn’t own any vehicles, and Air BnB, the hotel business that does not own any hotels. He states that a business like Uber just needs one to have access to a Smartphone and they will be in a position to locate a cab that is closest to them, solving their transportation problem and read full article.

People love the new phase of consumerism because they get the goods and services that they need without any major stress or sacrifice on their part. He encourages anyone who wants to be successful in the world of business to think carefully about investing in digital marketing. When the customer calculates the cost of an item and realizes that travel expenses are not part of the total cost, they will be more inclined to make the purchase. This is the secret to success for most of the companies making it big in the current market and contact him.

A Review Of The Illustrative Career Of QI Group Of Companies’ Executive Chairman, Dr. Vijay Eswaran

Vijay is the founder of the QI Group of companies. This multi-business conglomerate has active presence in different sectors of the economy, including hospitality, education, financial services, retail and direct selling.

In 1998, the Malaysian businessman established QNET, which is the flagship’s subsidiary. Today, this entity has opened offices in different parts of the globe.

When speaking about the idea behind QI, Dr. Eswaran said that he envisioned a company that would harness the power of direct selling through the internet. The company has managed to operate as a going concern because of their ability to merge direct selling with e-commerce platform.

Vijay Eswaran posited that they came up with a precious metals and numismatics model based on the emerging market strategies in Europe. In 1998, the company secured an opportunity to sell commemorative coins for the Sydney 2000 Olympics. Although they were late to enter the market, they managed to sell and compete in an effective manner.

By 2000, the corporation was among the top three distributors to have high sales volume around the world. According to QBuzz, Vijay Eswaran posits that their competitors did not comprehend their strategy, which was based on web sales and the aspect of direct selling.

Vijay remembers that when he started his entrepreneurial journey, he had no connection or funding. At the time, Asia’s economy was through a terrible crisis.

To this end, no one believed that he would succeed to open and run his business. Vijay was convinced that he would not spent his time making money for someone else. He contends that like-minded partners and his wife helped him to keep on believing in his dream.

The shrewd businessman asserts that success is interwoven with challenges. He manages to overcome any setbacks by embracing them. When motivating his employees, Vijay Eswaran emphasizes on service above self. As he was growing up, his father instilled in him this crucial lesson.

He posits that even though they run a global business, the soul of the company is equal to that of a small corporation that keeps on remembering its humble beginnings. Over the years, he has learnt that success is meant for the people who work in a company, but not the company.

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Investing in Real Estate Properties in Brazil

If you want to invest in real estate, you need to figure out a way to make money over the long term. A lot of people are looking at Brazil as a great place to get started investing according to Although this may be true, the current growth rate is really high. This means that if something bad happens in the economy, there could be a major issue with how it is going to last. Leverage can be a great way to buy a lot of property, but it also carries a lot of risk. With the high interest rates in the economy of Brazil, it is no guarantee that you are going to make money on a deal.

Long Term Renting

Many people in Brazil are looking for ways to invest in property that they can rent out to others. With the rising rates of rent in Brazil, a lot of people are worried about whether they can afford housing on With that being said, there is a huge demand for affordable housing in Brazil. Over the long term, having a renter in your property can accomplish a couple of goals. Not only will it help you pay for the property, but it will allow you to hold it while it appreciates. There are a lot of people who have made a fortune with this style of investing. Construcap is a company that can help you during that process. They understand the needs of many people in Brazil, and many investors work with Construcap on a plan to make money over time.


From the time the company was started, Construcap has always wanted to make a positive difference in the community. Affordable housing is a huge need in Brazil, especially as economic growth continues to climb. If you want to invest in the economy of Brazil, you need to figure out a way to do so in the best way possible. Always be conservative when you start out investing, and over time you will be able to have a lot of success in that process while working with Construcap.



Following excessive traffic congestion, the state of Texas passed a law in 2001 which established the Central Texas Regional Mobility Authority (CTRMA) in 2002. This is a transport authority that seeks to come up with a comprehensive transport network in Williamson and Travis counties. Its aim is to improve swift movement and reduce congestion. It does this by constructing toll roads, expanding the existing traffic lanes and setting up programs and mobile applications to ease with the problem of congestion. The authority uses funds raised from sale of bonds which accounts for 70% and the remaining 30% from the Texas Department of Transport. Since its inception, the company has managed to grow gaining assets worth $1.8 billion.



CTRMA is made up of seven members. The chair is elected by the governor of Texas. Mike Heiligenstein, is the current chair and executive director of CTRMA. He has held the position since 2002 when CTRMA began operating. The Commissioners Court in Travis County appoints three members and the same goes for that of Williamson County. CTRMA appreciates the efforts of the team and compensates them adequately. For example, in 2016, Heiligenstein, received a compensation of $336, 112. This is way higher than the $299, 812 paid to the Texas Department of Transportation’s executive director.



Under the leadership of Heiligenstein, CTRMA has managed to build several roads for example, the U.S 183 A and the 290 East. The authority also issues toll tags along these highways. Additionally, CTRMA has set up a program to assist stranded motorist on the highways. The program is called the Highway Emergency Response Operator (HERO). In 2015, it assisted 14480 motorists through relocation of faulty vehicles and removing debris from the lanes. CTRMA has also set up two apps; CARMA to facilitate ridesharing and Metropia to encourage people to travel during off-peak hours.



Heiligenstein understands CTRMA better than any other person and is directly concerned with the traffic conditions in the area. He represented CTRMA during the 19Th Austin Business Journal ‘s annual Williamson County Growth Summit. At this forum he emphasized on the need for a better road infrastructure claiming that as much as technological solutions are being sought, transport will only improve if the overall infrastructure in place is made better. He has served in public positions in Williamson County for over 20 years. He is also on the board of several transport based councils. Some of these include the Texas Transportation Institute Advisory council and the Tunnel and Turnpike Association.

The Progressive Vision of Eric Lefkofsky

The world is a constantly changing place in every facet of its design. From the biospheres of the rainforest to the technological advances of humankind, the world continues its rapid changes without any halt. The mind of humankind needs to be the same way. To continue healthy progression, the human mind and spirit need to continue on a progressive path parallel to that of technology and the life around it. There are many men and women who are leading the charge in terms of progressive change. Whether they influence local markets or affect the world on a larger scale, every bit of forwarding action benefits us all.

One such progressive is Eric Lefkofsky. Eric Lefkofsky is an entrepreneur best known as the CEO of the multi-million dollar e-commerce platform, Groupon. Groupon is a worldwide marketplace that offers a revolutionary way for small businesses to connect with their local customer base. Groupon provides its users with discounts and deals exclusive its platform which they can then use at local businesses. This allows local businesses to gain exposure to a new customer base and for customers to experience new services they may or may not have been aware of. As the CEO and co-founder of Groupon, Eric Lefkofsky helped produce a unique tool for small businesses to succeed. This is the type of progressive action that helps benefit the world. Groupon at one point was just an idea until Lefkofsky helped it grow by providing 1 million dollars in seed funding. Afterward Groupon grew to have a company worth of over 1 billion dollars in the stock market.

Eric Lefkofsky is also responsible for heading Tempus, a revolutionary data archival system which logs human genomic data. Genomic data is information taken from the human genome. Human genomes are large groupings of Deoxyribonucleic acid or DNA. This genomic information is then reviewed along with clinical data to help provide physicians with a better understanding of their patient’s genetic history. Armed with this information, physicians are able to more accurately provide care for their patient’s needs. Because the technology is still in its younger stages, no one knows the limit of the technology Tempus is providing. It is difficult, complex and likely harrowing work, but the Tempus team led by Lefkofsky is providing a progressive change to the medical industry that will help patients for generations to come.

Advertising Age Names Lori Senecal the Top Four Agency Executives to Watch in 2016

Lori Senecal, CEO of CP+B is name one of the top four Agency Executives to Watch in 2016 by Advertising Age. After one year of being appointed as Chief Executive Officer, she helped the firm increase its clientele, including large corporations. PayPal, Hersey, Infiniti, and American Airlines are among the clients included in CP+B’s client portfolio. Advertising Age also recognized the firm as one of the Creativity Innovators of the Year. Prior to CP+B, Ms. Senecal received honors for the Quantum Leap Award by the AWNY Game Changer Awards Program, in 2013.

In 2014, Lori Senecal is named one of the Women to Watch by Ad Age’s while serving on the Board and as CEO of MDC Partners Network, CP+B is a member of MDC and announced Lori as the Global Chief Executive Officer, on March 9th, 2015, to PR Newswire. She is responsible for managing and overseeing global growth and expansion, as well as, the coordination of eight of its international offices. Throughout her professional career, she has created innovative partnerships, new business divisions, and managed accounts for Nestle, Coca-Cola, and BMW. In addition to overseeing the new 2016 accounts, Lori will oversee the firm’s existing accounts with Apple Bees, Fruit of the Loom, Best Buy, Kraft, Domino’s Pizza, and more.

In an interview on NY Times by Laura Dunn, in March 2015, Lori Senecal shares her life experiences developing as a leader and offers advice to other women seeking a career in marketing. Senecal is the youngest child of four siblings which had a tremendous influence on her leadership development. Her experiences growing up helped to mold her into the leader she is today. She told Laura when asked about prior experiences and qualifications at KBS and the new role at MDC her focus was on building a culture to inspire people.

The advice Lori Senecal gives to women who seek careers in marketing is to first identify their strengths and the needs of their organizations. She said they must develop their own marketing strategies and invent personal leadership roles. Lori ended the interview speaking on mentorship and expected accomplishments at KBS for 2016. She said mentorship made a difference in her personal and professional life inspiring her to become a mentor to women, for more than five years. Lori also stated in the interview that she expected expansion into Europe and Asia markets at KBS, last year.



Ricardo Tosto: The Undisputed Master of the Brazilian Law

In Brazil, the Federal Constitution is the supreme law. As at 2007, law school programs in Brazil were close to ten times more than those in the United States. Currently, Brazil has over 600,000 trained lawyers. To start practicing law in Brazil, a graduate lawyer must attend a law school and pass the examination of the Ordem dos Advogados do Brasil, which is the Bar Association of Brazil. The highest Brazilian court is the Federal Supreme Court, which also acts as the court of review. Other courts include The Senior Tribunal of Justice, Federal Regional Tribunals, and Federal Courts.

Ricardo Tosto

Ricardo Tosto is Brazilian lawyer and one of the leading entrepreneurs of the Brazilian law. He is a partner of Leite, Tosto and Barros Advogados Associados, a top law firm based in Sao Paulo, Brazil. The law company has other offices in Rio de Janeiro and Brasilia. Being the most experienced litigant in the company, Ricardo mainly deals with the most demanding cases that the firm receives from prominent personalities like executives and politicians. The company specializes in conflict resolution and administrative litigation. Ricardo Tosto de Oliveira Carvalho is an alumnus of Universidade Presbiteriana Mackenzie, from where he holds a bachelor’s degree in law. He is also a holder of Business Administration degree from Fundacao Armando Alvares Penteado. In collaboration with Paulo de Mendonca Lopes, Ricardo Tosto has authored a book titled The Process of Tiradentes.


Ricardo Tosto de Oliveira Carvalho has pioneered several legal mechanisms in the Brazilian law. He is a member of the International Bar Association and the Council of the Center for Studies of Law Firms and Partnerships. Tosto sits on the executive council of the Institute for Management Development Alumni Association. Previously, Ricardo served as the president of the Judiciary Modernization and Judiciary Reform Committees for Brazilian Bar Association-Sao Paulo division. He was also a founding member of Brazilian Institute for Studies in Electoral and Party Law. Between August 2017 and April 2008, Ricardo Tosto de Oliveira Carvalho was a board member of BNDES’s Board of Management. Tosto is also registered with the Brazilian Bar Association (OAB).