Kirshen Iyer’s Changes in the Insurance Industry


Krishen Iyer is one of the most successful businessmen in the Insurance industry. He is an expert in managing companies related to the insurance industry and he has founded two successful companies that deal with insurance errands. He is a graduate who got his degree in Public Relations from the University of San Diego. He started his first company in 2002 known as Name My Premium LLC and under his leadership, the company has grown to be among the top 250 largest insurance companies in California. The Name My Premium Company deals marketing businesses related to insurances and it is also an online marketing broker.




Krishen Iyer started his second company in 2016 and he named it Managed Benefit Services. Like his first company, Managed Benefits Services Company also deals with marketing insurance businesses by helping insurance companies to market their services and products. The company also provides leads’ platforms and consulting services. Krishen Iyer pointed out that the platforms that his company provides give an opportunity to insurance companies to confirm and rate leads the way they are in real time environment.




Starting companies that help insurance providers to market their services and products has made Krishen Iyer unique because he was one of the first investors to invest in insurance marketing business. When asked how the idea of starting Managed Benefit Services Company came to him, Kirshen pointed out that he came up with the idea when realized that the insurance industry was facing a lot of marketing challenges. That is when he decided to bring change to the industry since he believed that the insurance business needed to be marketed widely just like any other business. He also pointed out that his talent in communication is the most important skill required in marketing. Kirshen also stated that he was determined to use his gift to bring change to the insurance industry.


Luiz Carlos Trabuco Cappi; Preparing Employees for the Impending Organizational Changes

     It is factual that organizational change can occur for plenty of reasons including a merger, acquisition, accommodating growth, the resignation of a leader or shift in the business model. Whatever the reason, organizational change is always difficult for employees. Moreover, it can either weaken or push you to your bottom line. Therefore, before announcing the impending change to your workers, you need to try and fit in their shoes to understand their reaction to your proposed plan. As with Banco Bradesco, organizational change caught the employees unawares when Brandao de Mello decided that it was time to introduce a new leader to the firm. A scion of success, a dedicated leader and a role model to the employees, Brandao had been part of Banco Bradesco for about three to four decades. In his reign, he nurtured young leaders into revolutionary team leaders who can now walk in his shoes by making some of the most critical decisions that would control the operations of the bank.

Background Information

As he resigned, one aspect was clear; he aspired for the next president to be elected from the existing pool of employees. According to him, that would help the bank to focus on accomplishing its goals just like in the past. Furthermore, it was important to create more leadership roles for the already chosen leaders within the institution. By insisting that the management elevates one of the employees, Brandao de Mello was challenging the bank to embrace its own by motivating its employees. Well, to cement his authority and the culture he fostered for some time, Brandao de Mello selected a successor from within the bank. Luiz Carlos Trabuco Cappi it was.

The Incumbent President

The election of Luiz Carlos Trabuco Cappi did not come in a surprise. Having joined the organization in his youthful years, it was time to prove that he could live up to the simple task of becoming a president for a short while. Besides, he was already serving as the CEO. Therefore, the election to serve as president for about four months was just an additional task to his chore responsibilities.

The New President

When Luiz Carlos Trabuco Cappi took over, one thing was clear. He was to oversee Brandao de Mello’s responsibilities before a president was elected. Therefore, after serving for some time, he contributed to the election of Octavio de Lazari, the vice president of the bank. Apparently, Octavio Junior had also been part of the bank for many years. With that said, his election was based on his past experiences as a junior associate and his multiple promotions that saw him rising the ranks of leadership into becoming the president.

The Overview

The succession of leadership transitions at Banco Bradesco has contributed to its growth in one way or the other. With that said, Luiz Carlos Trabuco Cappi has been pretty instrumental in helping the employees to accept these changes. Not only did he accept to step in and serve as president when Brandao de Mello left. But he also promised to see to it that Octavio de Lazari settles in as the president.

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Graeme Holm, Achieving Financial Fitness

In Australia banks and other financial institutions have always sugarcoated bad deals to their customers. This motivated Graeme Holm to come with solutions. He decided to offer clients advice financially to help them manage the paycheck they receive. He founded the Infinity Group. This catalyzed the maturity that Graeme has got helping him be a very reliable financial adviser. As a financial coach, he enables you to align your budget with constraints of expenses and priorities.


Graeme Holm is very creative. This is another value from Graeme that gives Infinity Group its identity. He created a system where information can be shared in an efficient way by the employees. Over the years Graeme has realized that sharing with people from other industry professions can at time result in innovative ideas. Graeme is very focused. It can be noticed through his actions. Each day he sets five transformational goals which keep him on track. The secret to a successful day according to Graeme is tackling the most difficult thing first.


The results of financial coaching are always evident after the first four months. Experienced financial coaches like Graeme Holm, will guarantee that with the early ninety days, the client will have reduced more loan principal than they did the entire year. Continuous consultation makes the client cut their loan repayment period by more than a half. A loan that would take thirty years for in normal circumstance is paid within a short period of ten years.


Infinity Group also focuses on the nitty-gritty. From how often the client buys grocery to those minor weekly financial activities. This, as explained by Graeme Holm, can reduce family budget if the weekly economic activities are done wisely. The result is a monthly report where the clients together with Infinity Group can evaluate and find more solutions. There are cases where the clients are provided with financial guidance on a six monthly basis to reduce the mortgage. The ideal system that shaves off your mortgage enables one to identify, with the help of a financial coach, things that he/she needs and luxuries. Excess luxury should be avoided, and the money spent on luxuries be directed to offset the loan.


Of course, a financial coaching company needs money to run. So, how do companies like Infinity Group make money? Infinity Group, for example, comes up with debt reduction model which is explained at a fee. A personal banker is then assigned. Infinity charges 10% of your annual debt reduction. Graeme Holm explained that the purpose of the model was to compensate on the lost mortgage commissions. The banks didn’t like the fact that Infinity Group was helping clients pay off their mortgages faster.

The Author of the book, The Benefit of a Money coach, says in his book that for a person to advance finically from where he is, he needs a guide, it can’t be achieved without help. From the Directors, Mrs. Rebecca Walker and Graeme Holm, Infinity Group has strong leadership with right resources to help its clients financially. Learn more:

Bruno Fagali: Ending the Curse of Corruption

     Most of the time, people would feel ashamed if their country is being recognized as one of the most corrupt on the planet. It would diminish someone’s fighting spirit and would be seen as an insult. However, for most Brazilians, being recognized annually as a corrupt state is already embedded in their culture and tradition. Corruption is rampant in Brazil, and many politicians are putting a blind eye on these crimes. The people of Brazil knew that there is no hope for their country, and it will be forever a struggling nation full of corrupt government officials. However, one man wanted to change this mindset from the public, and he informed them that the culture of corruption might still be removed from the face of the next generation. His name is Bruno Fagali, and today, he serves as an inspiration for many Brazilians to fight for what they think is right.

To prove his claim to his fellow Brazilians, he initiated the FAGALI Advocacy, which introduced the departmental integrity drive. This program aims to change the hearts of the government employees from the bottom to the top positions, warning them about the possible punishments for people who would still try to steal something from government funds. Bruno Fagali thought that by informing those who can be found at the bottom, the chain of corruption would be broken. For so many years, the Brazilian people have been enduring the hardships living in the major cities found scattered across the country. Being a vast country, one has to travel by plane, but for Bruno Fagali, he does not care about the distance, and he would pursue his talks to provide a more unobstructed view on the issue.

Bruno Fagali would always become an icon of victory for those who wanted to change their society. Through his efforts in sponsoring the departmental integrity drive, statistics have revealed that the number of crimes committed within the major cities of Brazil dropped to an all-time low. After hearing this good news, Bruno Fagali stated that the program he initiated would continue, and he even invited other government employees to be more transparent.

Alexandre Gama Is An Advertising Demigod

     Founding one’s own business is a dream and lifelong goal of more people than one could possibly count. However, few people with s such dreams actually pursue them – should I say, actually pursue them successfully.

Alexandre Gama, the Brazilian face of advertising, created Neogama – the firm is named after himself, using the Portuguese term for “new,” combined with that of his surname – one year before the turn of the millennium. Just three years afterwards, he partnered Neogama and himself up with one of England’s most successful, prominent organizations in adverting – BBH.

Although he wanted to operate an advertising entity on his own, Mr. Alexandre Gama found it necessary to sell it to the globally-known Publicis Groupe in 2012, alongside the partnership that still existed with BBH. The pair even won the award of “Agency of the Year,” as selected by a popular Brazilian newspaper.

Architect Robert Ivy On Importance Of Human Health In Design

     Health industry and design work have one thing in common; they can be applied together to eliminate things that affect human life especially in cases if lifestyle diseases. Problems which are created by people failing to exercise on a regular basis maybe addressed by architectural design. There is a need for design especially for residential areas, schools, and workplaces to incorporate safe living. It is one initiative that would help the people in a big way. People will have to exercise even without noting that they are doing it. This initiative should be made more popular to make everyone understand the important role it may play in the society.

Healthy design work should be incorporated into healthy living measure since it has a way of making sure that the people engage in activities which promote healthy living. When people engage in activities such as cycling, they will be able to do some exercises which will make them shed off some fat which may have caused health issues in the future.

The need for healthy design has been recommended as one way of creating a healthy society. A healthy society is a productive society. Right now in the United States, there is a high number of young people who have serious problems with health. They are suffering from a condition known as obesity. With obesity, the health risk is too high. The chances of one developing cardiovascular diseases are too high.

The ideas of bringing in healthy design have not been brought voluntarily. It is a disturbing situation that we must deal with right now and not later. Architects’ role, in this case, will be crucial. They will be able to create creative designs that will solve health issues. Health design needs to be taught in school. If we have a high number of people who know the importance of healthy design, there is a high probability that future systems will be made with the interest of the people first before anything else. Almost everything that is created is meant for human use. Therefore, human safety and health should be the number one priority.

The healthy design is something that we need to embrace and learn it is worth the investment. Making it part of the school curriculum means that in future, the society will have facilities that are created with the intention of helping the people first before anything else.

About Robert Ivy

Robert Ivy is the executive vice president of AIA. American Institute of Architects is a body that is composed of architects in the United States. The body takes care of the welfare of the society by making sure that the construction work that is happening meets the demands of the people.

Robert Ivy has served in McGraw Hill Construction and at Architectural Record as an editorial director. Under his leadership, he made sure the organization published more than 33 publications


Maintaining The Integrity Of Architecture Through The American Institute of Architects

     American Institute of Architects was established in 1857 by a team of 13 architects in New York City to advance the practical and scientific excellence of its members and also promote the eminence of the profession. The first group included Henry W. Cleaveland, Charles Babcock, Edward Gardiner, Leopold Eidlitz, Henry Dudley, Fred A. Petersen, John Welch, Jacob Wrey Mould, Joseph C. Wells, Richard Morris Hunt, and Richard M. Upjohn who was the first president.

The group met on 23rd February 1857 and resolved to invite 16 other protuberant architects to join the team, including Calvert Vaux, Thomas U. Walter, and Alexander Jackson Davis. Previously before the establishment of AIA, anyone could declare themselves as an architect, since there were no architecture institutions or laws governing architectural licensing in the United States.

The team drafted bylaws and a constitution under the name New York Society of Architects in March 1857, and later changed the name to American Institute of Architects. The law was subsequently amended in the following year to endorse the practical, artistic and scientific profession of its members; to expedite good fellowship; to promote the status of the business; and also bring together the efforts of Architecture professionals for the growth of the Art.

AIA provides its members with reliable contract documents, professional development opportunities, design and professional information services, client-oriented resources and personal benefits. The institution also offers preparation courses as well as employment referrals services to help the young professionals. The AIA strives to meet the interests and needs of the public and the country’s architects through public awareness on the significance of good design and the value of architecture.

Robert Ivy, who got appointed in 1996 as the chief editor of Architectural Record, became the CEO and Executive Vice President of the American Institute of Architects in 2010. Besides leading in RECORD, Robert has served as McGraw-Hill Construction Media’s Vice President since 2003, supervising the editorial quality of online publications and numerous prints. During his tenure, RECORD emerged as one of the most distributed architectural journals in the entire world.

Ivy holds a B.A. in English from the University of the South, in Tennessee and a Masters’ Degree in Arch from Tulane University. In 1992, AIA published his book, Fay Jones: Architect. Robert is a member of the International Circle of Architecture Critics, CICA, the American Architecture Foundation and a former national board member of the AIA. Currently, Ivy serves on the advisory boards of various architecture schools including Mississippi State University, Tulane University, Auburn University’s Rural Studio, and Tongji University in China.

Jeff Yastine Talks About The Future Of Retail Mall Industry

     As online retailing picks pace, several articles have been written on the Great Mall-pocalypse of 2017. According to these articles, it was expected that online shopping malls would have taken over the traditional brick and mortar malls by the ends of this year. According to some of these articles, the shift would be reflected on how people live their lives, as there would be lesser personal car traffic and more UPS freight van traffic. We are now approaching the end of 2017 and none of the aforementioned things is happening. Granted, more mega companies are investing in more malls and most of the retail stores have soaring shares prices.

According to an article written recently by Jeff Yastine, big money is moving in brick and mortar malls. Jeff gives an example of the recent buyout offer made by Brookfield Property Partners LP to GGP Inc. Brookfield offered $14.8 billion offer to take over the company. The offer valued the company’s shares at $23 per shares. Brookfield already owns 33 percent of the company’s stocks. Following rumors about the offer, GGP shares soared by over 18 percent within one week. This rebound came at a time when the company’s shares were doing poorly. The prices had fallen by over 40 percent from their all-time high in July 2016. The real estate investment company is focusing on the retail area of the business and beyond. The success of the company is anchored on the retail and real-estate assets owned the malls. These assets have great venues and can be used to open more revenue generating streams.

Another investment company, Miller Value Partners, has also placed big money on the mall retail sector. The company, which is headed by Bill Miller, recently acquired two mall-based REITs. They are CBL Properties and Washington Prime Group. Berkshire Hathaway, an investment company owned by Warren Buffet, has also acquired Seritage Growth Partners, a retail real-estate properties owner. The firm has also bought stakes in STORE Capita and is redeveloping Sears stores. Paul Singer, a hedge fund manager, has acquired stake in Taubman Centers and is working towards reinventing the mall.

About Jeff Yastine

Jeff Yastine is an editor, writer and publishing guru. The editor of Total Wealth Insider is an editorial director at Banyan Hill Publishing. Before joining the company in 2015, Yastine worked as a stock market investor and financial journalist. In addition, he contributes to weekly financial magazines such as Winning investor Daily and Sovereign Investor Daily.

Editorial Success Story with Jeff Yastine

     Jeff Yastine is a prolific editor of a corporate known as the Total Wealth Insider since early the year 2015. He currently works as an Editorial Director at Banyan Hill Publishing. Banyan Hill Publishing has been at the vanguard of the pursuit for personal liberty and free markets, the corporate headquarters in Delray Beach, Florida. He has also recognized for his over ten year’s activities in journalism on financial issues and stock market. Jeff is a weekly contributor to Sovereign Investor Daily article from the Banyan Hill publishing and Winning Investor Daily. His pieces are a form of insights to help investors understand business world trends.

In the year 2000, Jeff’s wrote reports that helped and guided a lot of investors about the real estate unstable sudden situation and the lack of ability to sustain the indefinite rise of the dot-com bubble. In 2005, Jeff wrote a piece on aftermath effects of the Hurricane Katrina in the financial sector. In 2010, Mr. Jeff widely shared his news on the Deepwater Horizon oil spill national event. Additionally, in 1999 he shared his insights on the southeastern United States and the historic transference of control of the Panama Canal. In addition to his insights, Jeff visited Cuba in the year 1994 and 2003, to write a report to specify the part played by the foreign investors in Cuba’s economy.

In addition to his contributions, Jeff has received several awards from prominent news outlets such as the Emmy, PBS Nightly Business Report. Jeff Yastine was among the famous 2002 team of Nightly Business Report journalists awarded certified excellence in financial journalism. The Award commemorated his previous half-hour report on the nation’s bond market. Later in the year 2007, Jeff was nominated by Emmy for a special award in regards to his piece on America’s public infrastructure and construction department of roads and bridges.

Mr. Yastine education background started back at the University of Florida, United States. He began his career at Newsmax Media Corporation as an editor. He later moved to the Oxford club limited company where he enhanced his editorial skills. Additionally, Jeff previously worked as a Financial Correspondent and Anchor at Nightly Business Report from early 1994 to late 2010. Mr. Jeff Yastine spent ten years from 1994 to 2010 seeking out and sharing his insights to the most successful entrepreneurs such as Michael Dell, Warren Buffett, and Mr. Richard Branson.

Matt Badiali Offers Tips On How To Invest In Mineral Resources

     Naturally occurring minerals play a significant role in the global economy, and they have created a suitable market that enables people to gain a lot of profit from the mining venture. Matt Badiali is an expert in the mining of the natural resources, and he has specialized in analyzing the market trends. With over twenty years of experience in interpreting the natural resources market, Matt has become a guru in this sector.

Having a graduated with a degree in geology, Matt has extensive knowledge that is typically required in determining the industry’s potential, through understanding the value of the natural resources as well as the cost of mining. Matt Badiali was involved in teaching at the University of North Carolina, before he started specializing in financial analysis through the help of a close friend. The investor had for a long time been interested in the energy sector, and he always knew that a geologist was a significant figure in energy production and the related affairs.

His career has landed him in big companies that deal with the mining and manufacturing of energy resources. Matt has for a long time concentrated in analyzing the oil fields that are under operation besides assessing core samples from the gold mines. Since energy resources are found in different parts of the world, Matt’s career has given him the opportunity to travel to various places, and he believes that the mining sector offers a better pay than teaching.

When Matt travels, he focuses on going to places where mining of precious metals is being undertaken. As a result, he has managed to make friends with executives in the oil mining industry. Matt associates well with experts in the mining sector as this helps him to gain knowledge on the latest discoveries and trends in mining. Matt has previously worked for Stansberry and Associates, but now he has shifted, and he is working with Banyan Hill.

Recently, Matt recently predicted that the demand and price of copper are set to rise higher. Therefore, he advises investors to purchase more of the mineral since the use of copper in the world has spiked, and as the products associated with metal continue to be manufactured in massive numbers, then does the demand for the raw material increase. According to his analysis, the price of copper is likely to grow by 46% in the next three years.