Raj Fernando Works Diligently to Make a Difference in Everything He Does

Raj Fernando is a businessman, entrepreneur and philanthropist. He is the founder of two successful companies including Chopper Trading, where he was also the Chief Executive Officer (CEO) and Scoutahead. Chopper Trading traded on several platforms including Nasdaq, CME, Cantor-Fitzgerald-espeed and ICAP-Broktek.

Fernando sold Chopper Trading in 2015 to Chicago based DRW Trading Group. Shortly after, Fernando started Scoutahead in 2016. He is the Chairman and CEO of the organization. The company goal is to improve professional and corporate growth through advanced communication systems.

When Fernando hires for his company he looks for potential employees who have a passion for the company and fit in with the company culture. He looks for candidates that work well with others and the candidate is a good fit for the company and the company is a good fit for the candidate. Fernando feels personality traits are just as important as technical skills when choosing potential employees. He likes to challenge candidates during the interview process with questions designed to see how they respond and think on their feet.

Fernando’s philanthropic efforts included serving on the Board of Trustees of the Chicago Symphony Orchestra and a no kill animal shelter called PAWS. He has also supported the Chicago branch of Big Brothers – Big Sisters and the Wounded Warrior Project. He is also a member of the Chicago Council on Global Affairs, Cedars Sinai Medical Center, as well as several other organizations. Mr. Fernando chooses organizations to support that match his own values and not only supports the organizations financially, but with time, as well.

He believes it is important to give back to the community and by doing so it helps to strengthen neighborhoods. A strong neighborhood is vibrant and economically strong and allows families to make a better life and provide children with a solid education.
Mr. Fernando’s educational background includes earning a Bachelor’s degree in Economics and History from Beloit College in Wisconsin and attending University College in London.

He often credits his education with some of the success he has achieved in his life. Another part of the successful equation includes surrounding yourself with the best and brightest the industry has to offer.

How Jose Borghi has Made Mullen Lowe the Most Prolific Ad Agency in Brazil

Jose Borghi is considered to be the Brazil’s foremost advertising guru. He is the brains behind some of the most captivating advertisement campaign including Mammals Parmalat. This award-winning ad featured children dressed like stuffed animals. It was meant to raise awareness about wildlife conservation. This is one of the ad campaigns that have helped transform Mullen Lowe into a prominent advertising agency in the country.

Jose Borghi’s Career Development

Surprisingly, Jose Borghi was never interested in advertising from a young age. His interest was only aroused during his third year in high school after he was invited by his sister to a theater to watch a performance. The presentation featured commercial Vts, who had previously been awarded at the prestigious Cannes Film Festival. At the end of the performance, Borghi had made up his mind about pursuing a career in advertising. While making this decision, Jose Borghi had no idea that he would end up being an ad guru in his own right.

Borghi is a native of Presidente Prudente. He studied advertisement at PUC Campinas on on adsoftheworld.com. After graduating in 1989, he got his first job at Standard Ogilvy. Here, he worked as an advert writer. His deep-rooted interest in the field saw him work for notable companies in subsequent years. He counts FBB, Talent, Leo Burnett, and DM9/DDB among top advertising agencies that he has worked for. After a successful career, he decided to venture into entrepreneurship. He partnered with Erh Ray to start Mullen Lowe Brazil in 2006.

Borghi Lowe

When he ventured out to start the firm, Borghi had no source of funding. No bank or investment firm was willing to invest in an upstart. Besides this, mentorship and business incubation opportunities on exame.abril.com.br were few and limited. Regardless of these factors, Borghi and Ray had the will to turn the firm into Brazil’s one-stop advertising agency. The duo worked hard with zero capital by targeting the middle-segment market. This acted as the foundation of the domestic and international success that it has experienced.

To capture a wider market, the firm was recently amalgamated with Mullen Group and Lowe & Partners to form Mullen Lowe. Jose Borghi serves as the firm’s co-CEO together with Andre Gomes. Borghi concedes that his entrepreneurial success is owed to his distinctive ability to identify business opportunities. His understanding of the market has seen the ad agency make inroads into other Latin America countries. It serves major global corporations including American Express and Delta Airlines.

Mark Sparks: A Man Of Many Faces

If this nation, and other nations, are going to survive in this volatile, roller coaster economy, then entrepreneurs are going to have to come up with concepts, strategies and resources up to now unheard of in business circles.

In particular, one buzz-word will find itself a common denominator in many fields–“innovation.” In other words, it’ll no longer be enough to simply re-invent the wheel. A newer, stronger, faster less costly framework will have to be employed by visionaries such as Mr. Marc Sparks of Dallas, Texas.

Innovative Concepts

Among Marc’s many creative streams is the concept found in one of his latest and most effective business achievements–Timber Creek, LP. In presenting a platform setting that is optimized for interactive collaboration, while still being conducive to startup incubation, Mr. Sparks once more demonstrates his dexterity in developing businesses that will grow into revenue generating entities.


 Among the many concepts espoused by Marc, a self-admitted serial entrepreneur, is presenting the following scenario. Where would a person prefer to put his or her office? For some, an office warehouse does just fine. For others, nothing less than being on a first floor rental suite in Manhattan’s 5th Avenue will do.

Just What Is Timber Creek, LP?

Essentially, Timber Creek, LP is the sum total of Marc’s 35-year journey into the realm of business. Through this entity, Marc tackles multiple stages of launching sustainable businesses. A private equity firm that specialized in making the dreams of other entrepreneurs a reality, Timber Creek Capital makes certain that an entrepreneur’s startup is a success and lacks for nothing in the way of mentoring, access to banking, marketing, capital, office space and other requirements. In short, it’s an incubation paradise for other businesses.

Some Background Information On Marc

Marc Sparks, a self-made entrepreneur, came to the table with nothing but a high school diploma. An epitome of nitty-gritty success, he didn’t waste any time back in the Austin, Texas of 1975.

Having created various startup businesses, he invested in various fields attempting to find his pathway through the business maze: real estate, capital investments and telecommunications all beckoned to his creativity. He had some failures, but then he began his trajectory of successes.

These adventures resulted in a book entitled, “They Can’t Eat You,” which chronicles his journey from being a mere “C” student to entrepreneurial authority.

The Many Other Faces Of Marc Sparks

With a strong, unashamed faith in God, Marc Sparks wears many other hats. Well-known as a business dynamo, his work in philanthropic endeavors doesn’t fall short by any means.

Relentless work over the years for The Samaritan Inn, a homeless shelter in Texas, building homes for Habitat for Humanity, helping steer The American Can! Academy magnet school program and establishing the Sparky’s Kids Foundation that helps Underprivileged kids, have all made a mark in the community–and other circles as well.

Investment Banking 101

Investment Banking is among the divisions of banking that deal with offering capital for the government, corporate or any other entity. Investment banks are supposed to underwrite the equity securities or debts for any type of corporation, support the companies in facilitation’s of mergers or acquisitions, broke trades for public and private industries and help in the selling or purchasing of securities. In some cases, the investment banks are allowed to offer advice when companies are placing stocks.


Investment banks are operated by individuals known as Investment Bankers. These professionals are trained to assist the corporations, government or any other organization to manage or plan the major projects. When this happens, these organizations end up saving a lot of time and money that would have been wasted.


Becoming an investment banker is not an easy task. These individuals should possess the ability to identify risks that are associated with the project at hand and enable the company to move forward. These professionals must be experienced in the field for them to be employed in the large investment banks.


A sound investment banker should always be aware of the climate in the investment banking industry. This is because people always run to them when they are getting into a new project, regardless of the season. With the right knowledge, these individuals can easily tailor recommendations to a client, according to the current state of the economy.


The most important function of the investment banks is to serve as middlemen for the companies and investors. They help the companies a lot, especially in the issuance of stocks and bonds. These institutions play a crucial role in pricing the stocks and bonds to increase the income. They also help the companies in the regulatory needs.


The modern market is full of investment bankers. Martin Lustgarten is one of these professionals who has transformed the industry in many ways. He is very popular, especially in Miami. Martin has been in the investment banking industry for many years, helping many governments and companies make sound investment decisions. He is the famous founder and President of an institution known as Lustgarten.

Makari de Suisse- Gentle, Effective Skincare

If you are looking for the best brand possible to lighten your skin without the damaging side effects of most skin lightening products, look no further than Makari de Suisse.

Makari products have gained popularity over the last ten years due to their effective, yet gentle, quality ingredients. Many skin lightening products offer less than satisfying results, but Makari products will truly change your skin.

Makari products are manufactured in Switzerland, which is known for its devotion to quality products. The products are tailored specifically for men and women of color who, historically speaking, have essentially been ignored by the beauty industry. They have different needs to be addressed, and that is what Makari excels at.

Makari’s skin lightening products are safe, natural, and effective. They do not contain Hydroquinone, which although it is a popular ingredient in most skin lightening products, it is associated with very negative side effects. Makari’s skin lighteners are made with only natural ingredients, so there are no harsh side effects. They will even out skin tone, fade any discoloration (such as hyperpigmentation and liver spots), and combat signs of premature aging.

You can purchase Makari products individually, or in kits, which gives you more bang for your buck. The “Lightening Ensemble” kit is very popular, as is the Makari 24K Gold Lightening Soap.

Makari offers more than just skin lightening products though! Makari has something for everyone and for every skin type. Even if you are not looking to lighten your skin, Makari has something to solve a multitude of skin problems. Makari even offers hair care products, fragrances, and makeup.

In Swahili, the word Makari means “beautiful” and that is precisely how you will feel when using Makari products.

Learn more about Makari:


Dynamic Search Partners Helps Fund Schools

Keith Mann, with the help of his company, Dynamic Search Partners, has managed to accomplish what many thought to be impossible. By establishing a partnership with Uncommon Schools, Mann and his associates have managed to raise over $22,000 for the organization. By raising these funds, Keith Mann and Dynamic Search Partners hope that Uncommon Schools can improve the quality of life of its students and provide them with the testing resources that they desperately need.

As per Uncommon Schools description of its organization, their primary goal is to improve the lives of the millions of students across America that live in poverty. By providing these students with the resources they need, it is the hope of Uncommon Schools that these students can eventually move on from high school and transition into college. While in pursuit of this goal, Uncommon Schools has been able to build a new high school in Brooklyn. In addition to furthering its expansion goals, Dynamic Search Partners has helped Uncommon Schools achieve full funding for its students for an entire school year.

It is evident through his interactions with both his associates and Uncommon Schools that Keith Mann prides himself on being an innovator that champions hard work. By rallying his staff and directing their efforts towards improving the lives of students, Mann has also helped build up the reputation of Dynamic Search Partners. In addition to being considered one of the best executive search firms in the industry, Dynamic Search Partners is also now recognized nationally for its fundraising efforts in support of impoverished children.

For his part, Keith Mann has been working with charitable organizations and fundraisers for many years now. In addition to being an expert on hedge fund compensation, hiring strategies, and staffing issues, Keith Mann has also worked global financial services firms to help them achieve their goals. Every year, Keith Mann leads Dynamic Search Partners around the globe as they perform their services at the international level.

Laidlaw & Company Helped Me Start My New Business

There are a lot of people who like me in that they want to start a business after they retire. I wanted to make sure that I got it done as fast as I could, and the only way to get that done is to use money that was raised for that purpose. I would prefer to not spend all my retirement on this, and that is why I would prefer to use the money that I raised separately with Laidlaw & Company to get what I needed to. I wanted to start the company fresh, and I knew that I could do that pretty easily after doing all that investing.

There are many people who think that they just need to take a loan, but it actually makes more sense for someone like me to plan in advance. I got James Ahern and Matthew Eitner on the phone, and we had a really good talk about starting the business. They know what that is like, and I am so glad that they told me what to do. It has been so much easier for me to get the business going because of Laidlaw & Company, and now I have an investment in my own building that I love.

I would tell anyone to at least try Laidlaw & Company to get their business started. I know that my business has been running well because I had the cash that I needed to get it going. I did not have to spend a dollar of my own money for retirement, and I am now supplementing my income with the money that I used with Laidlaw & Company. We are running something that I believe in, and it was not a risk at all. Laidlaw & Company made it easy for me to get this done.

Read more about Matthew Eitner:


Review of WEN Cleansing Conditioner

If you follow beauty bloggers, you have likely heard about low ‘poo or no ‘poo hair trends, including co-washing. These entail cutting down on shampoo use by washing hair once or twice a week or, in some cases, month. Co-washing refers to using cleansing conditioners in lieu of shampoos. These routines are typically targeted at individuals with thick, curly hair, so how do they stack up for those with fine hair?
One writer at Bustle decided to take on the challenge and opted to use WEN by Chaz, which is the product that started the entire trend. Wen is a very popular cleansing conditioner that comes in a wide variety of scents available on Amazon. It is meant to be a one-step replacement to using shampoo, conditioner and styling products like leave-in conditioners or detangling sprays.

The author at Bustle took on the task for a week, following an every-other-day hair-washing schedule. On the days she used WEN by Chaz, her hair looked great and she received tons of compliments on the shine and volume of her hair. On the days she did not use WEN, however, she found her hair looking a little bit flat and greasy. She admitted herself, though, that this was typical of her hair.

Overall, the author recommended WEN by Chaz for women with fine hair, but only if they have the commitment to wash it every day. Women following the low ‘poo or no ‘poo schedules may have better results sticking to their regular routines if they are after high volume on days when they skip washing. In general, she had a great experience with WEN by Chaz. Check out this article about Wen: http://www.wen.com/why-its-unique.html. For more info, visit the Wen Official YouTube channel.


Susan McGalla a Work History

Susan McGalla is most well known for being the Director of Planning for the football team the Pittsburgh Steelers. Susan McGalla was born in East Liverpool, Ohio and shared a small home with her two brothers, mother, and father who made a living as a coach for a local football team. The game was a big deal within their family. Her two brother played football while they were in school and it would effect Susan McGalla’s future profession. She graduated from Mount Union College where she studied business and marketing and earned her bachelor’s degree. During her time at Mount Union College she met her future husband, Stephen McGalla, who would later become a wealth manager. Later Susan McGalla would become a member of the Mount Union College’s Board of Advisors. She was a former director for the Allegheny Conference which focused on Community Development. She remains a member of the board for HFF Inc., which is a company that is publicly traded and gives real estate services to current and future commercial owners.

Read more: Susan McGalla – Director of Strategic Planning and Growth @ The Pittsburgh Steelers, LLC

Susan McGalla also is a board member for the Magee-Womens Hospital. For many years she worked as an executive consultant for a few businesses in Pittsburgh, Pennsylvania. Her business career started at the Joseph Horne Company in 1986. She had numerous managerial and marketing titles until she left in 1994. Susan McGalla always pushed herself and the companies she worked for to be the best on pittsburgh.cbslocal.com. She even earned a spot as the president of the clothing company American Eagle Outfitters Inc. after working as the company’s divisional merchandise with other managerial roles for only a few years. She also became the company’s chief merchandising officer. At American Eagle Susan McGalla was able to launch their first two company brands “77kids” and “Aerie” which were highly successful with consumers. Susan McGalla also worked as the chief executive officer of Wet Seal Inc. as well.. Both positions she would later step down from in 2009 and 2011 respectively, after many years of service. For a short time she dabbled as private consultant for financial and retail investment industries. In 2012 Susan McGalla founded her own company, P3 Executive Consulting. She would later find herself being hire by the Pittsburgh Steelers as the Director of Strategic Planning and Growth. She has gone on record saying she is very comfortable with her position and plans to hold it for many years to come.

Learn more about Susan McGalla: http://www.bizjournals.com/pittsburgh/news/2015/09/08/want-to-dress-like-a-steeler.html

More Than Damage Control – How Online Reputation Management Firms Can Help Entrepreneurs Mitigate Negative Information and Protect Your Brand

When your reputation is on the line, every second counts. The longer negative information about you or company is out on the internet the more damage it will do costing you time, money and opportunities. When you are faced with negative information about you or your business floating around online, you need to act quickly and hire an Online Reputation Management (ORM) firm.
Online Reputation Management is the practice of removing or mitigating negative information (old college pictures, negative customer reviews or damaging remarks or affiliations) from the Web. ORM professionals are experts in SEO technology and can make negative information disappear or move so far down the queue that potential clients won’t see it. But, keep in mind, hiring an ORM firm isn’t always about fixing negative information. A quality ORM firm will also help you use social media to your advantage so that opportunities aren’t lost because what you do professionally doesn’t match up with your online persona. Many people forget about this, but if you are an investment broker and your online persona says you are a part-time rocker then that needs fixing, and fast!

If you’re wondering if you need an ORM firm, the answer is Yes! Most ORM professionals wish their clients would have enlisted their services before there was a problem. It’s much easier (and cheaper) to prevent a problem than to solve one.

Remember, you are never too small to hire an ORM firm. Disgruntled employees, an unhappy spouse or a jealous partner can wreak havoc on your online reputation. Also, entrepreneurship has grown tremendously in recent years, and if you are successful, you can quickly find yourself a mini celebrity, and we know how often celebrities come under attack. Protect your brand and your business by consulting with an ORM firm now.