Eucatex first went into business in 1951. Since then, the company has grown its operations to cover wood fiber panels, wall partitions, and ceiling lining and insulation materials. The company also operates in the toys, furniture, paint, flooring, and door markets.

Flavio Maluf has been an integral part of Eucatex since 1987 when he joined the commercial side of the business. In 1997, he rose to the rank of president of the company. Under his leadership, Eucatex has focused not only on business growth but also on business sustainability and environmental friendliness.

By 2018, Eucatex was doing business with approximately 40 countries. Financially, the company has experienced steady growth over the years as reflected in its annual revenue earnings. In 2017, the company netted profits worth R$18.6 million. Additionally, Eucatex is one of the largest employers in Brazil with more than 2,000 employees. Flavio Maluf has played a central part in growing the company into a business leader on all fronts.

Given the key raw material for Eucatex operations is the eucalyptus tree, Flavio Maluf led Eucatex in promoting business sustainability by ensuring it plants its own trees. This is in line with global reforestation efforts to fight climate change and maintain the natural environment.

Back in the 2000s, Flavio Maluf led his company in producing environmentally friendly products. During this time, businesses in the industry were not paying attention to this aspect of a business. Consequently, Flavio Maluf served a business niche many did not even know existed, especially in the USA. To date, his company still supplies a significant part of this market segment with environmentally friendly products through the American Home Depot chains.

Before joining Eucatex, Flavio Maluf worked with Citicorp. Here, he worked on his managerial skills –skills that have come in handy in the management of a global giant such asEucatex. For his education, Flavio Maluf studied mechanical engineering at Fundação Armando AlvaresPenteado (FAAP) in Brazil. He then proceeded to New York University where he pursued a course in business administration.



Bernardo T. Chua is a native from the Philippines who has spent decades developing an immense amount of skills in multi-level marketing. He obtained a Bachelor of Science degree from the University of Santo Tomas in the Philippines and began to work as a manager for a company owned by his family. Chua then began working for a travel agency in the Philippines and helped them expand throughout Southeast Asia. Having an already established base of knowledge on herbal medicine and years of experience with management Chua was chosen to manage Gano Excel, a nutritional supplement company.

Role with Gano Excel

Bernardo Chua began working as an executive for Gano Excel while he was in the Philippines. While he served Gano Excel in a position as an executive he aided the company in its expansion to China, Canada, and the United States. After the expansion of Gano Excel to the United States Chua moved to California and began working as the president of Gano Excel U.S.A.

Read more about Bernardo Chua at

The Development of ORGANO Gold

Bernardo Chua created ORGANO Gold in 2008. ORGANO Gold was a group of companies that operated under one main name. Chua had a vision that his company would be able to sell a range of different herbal remedies under one large roof. Chua’s large amount of experience in direct sales allowed for him to introduce numerous people to the profits of ORGANO Gold and the benefits that they had to offer. In 2015 ORGANO Gold was rebranded to ORGANO for simplicity.


Armed with a large amount of experience in business, Bernardo Chua has also collected a variety of awards during his journey. In 2014 Chua received the Dangal Bayan Award for Business and Industry at the 22nd Annual People’s Choice and National Consumers Quality Awards. Chua has also received the Direct Sales Company of the Year award five times over the course of his career. While he worked with ORGANO Gold the company was recognized as the top direct selling company within its industry by the National Shoppers Choice.

Related: Bernardo Chua Recommends Grapeseed Oil As The Next Big Healthy Supplement


OSI Group is a food service company located in Chicago, Illinois. The company is the leading supplier of various meat and poultry products to various restaurants and food retailers. This company has a very long history of making a positive impact on the food service and retail sectors for over a century. OSI started out as a very small business that would eventually expand into a large major corporation. Today, OSI has processing locations and facilities in 17 countries. It also has 20,000 employees who help operate its 65 worldwide locations. Over the course of its history, OSI Group has emphasized innovation and environmental sustainability. With its success and impact on the food service industry, OSI has also won a number of awards in recognition for its product quality and service.

During the early part of the 20th century, an immigrant named Otto Kolschowsky founded a local meat distribution and butcher shop business. In the first decade, the business was a very successful entity. During the next decade, the business would continue to establish itself as a top local business. With its reputation as one of the top local food businesses, Otto & Sons would then look to expand. Its first expansion was in other parts of Chicago and its surrounding suburbs. Otto & Sons grew into a top food distributing company right before World War 2. After World War 2, the company would then make a deal that would make a significant impact on the entire food industry.

At the beginning of the 1950’s OSI Group looked to capitalize on the latest trend of restaurant startups. McDonalds was one of the first major restaurant chains to open up and distribute food products to consumers. Since it was looking to sell hamburgers to consumers, it needed a dependable supplier of beef products. Otto & Sons would offer to become the main supplier of beef to McDonalds. After an agreement was made, McDonalds emerged as the top fast food restaurant in the United States. At the same time, Otto & Sons established itself as the top food supplier for restaurants.

Over the next few decades, OSI Group would continue to expand and innovate in the food service and retail industry. The company would continue growing by offering a variety of other products such as pork and poultry to restaurants and food retailers. It would also continue to ensure that its products were sanitary and environmentally friendly. This led to the company winning awards for providing food products that satisfy food industry standards. OSI Group would expand to other parts of the world which included Europe, China, India and Australia.

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In May 2016, Michael was named to be the chairperson of the board, and in 2013 he was appointed to be the president and the chief executive officer. Before becoming a top executive officer of the New Residential Investment Corp, Michael Nierenberg was a top executive officer and the head of the global mortgages at the Bank of America. Throughout his career, Nierenberg has held various positions in different companies including senior leadership positions in the finance and mortgage industry.

Using Excess Mortgage Servicing Rights as Assets by Michael Nierenberg

In his career, Michael Nierenberg continued to support the investment potential for the excess mortgage servicing rights for the past few years. As the chief executive officer, the president and the board chairperson of the New Residential Investment Corp, Michael has been a leader and innovator in residential mortgage loan and investment market.

According to Michael Nierenberg, one of the essential roles for a successful manager is to look for and find the undervalued properties on an ongoing basis. For the mortgage servicing rights, two primary needs for finalizing purchases of the specialized property are the strong long-term enterprise relationships and adequate capital resources. For complex investment assets like excess mortgage servicing rights, it’s crucial to have a deep understanding of both limitations and benefits.

Some of the benefits of investing in excess MSRs and mortgage servicing rights include new and substantial asset opportunities, potential to minimize impacts of the interest rate fluctuations, high-quality income flow opportunities and creation of opportunities due to lack of understanding. The limitations include lack of essential business partnerships which can prevent MSR transactions.

Solutions for the Residential Mortgage Investments

For the past few years, residential mortgages have been viewed as a complex financial issue and not an investment opportunity. Michael Nierenberg and the New Residential Investment Corp have proven to be noteworthy exceptions by creating innovative and helpful solutions for residential financial markets.

According to Nierenberg, many investors and residential mortgage-backed securities have been major problems and therefore overlooked as the potential properties for investment portfolios. Active portfolio management style is the only solution for residential mortgage investments.


Paul Saunders recently published an article highlighting issues to do with employee burn out. In this article, he showed why it is important for business owners to emphasize eliminating burn out in their organizations. There are many benefits that come with creating a stable working environment. In the past three decades, Saunders has been in the finance sector where he has worked with various organizations and even running his own firm. He has sufficient experience to guide others on what deserves to be done in order to create the best working environment. He believes that employee burn out is an issue that needs to handled with utmost seriousness.


What is burn out?


Burn out is excessive exhaustion brought by excessive mental, emotional and physical stress. When employees in an organization are hit by this exhaustion, their performance will go down and they will no longer meet the objectives of the organization. This is an issue that needs to be looked at keenly by all employers since it has the capacity to destroy an organization. The business environment of today is very competitive and organizations need to get the best from their employees.


Signs of burn out


In an organization, it is important for the employer to know the signs of burn out so that they can mitigate the impact as early as possible. Employers need to know these signs so that they can identify such signs in their emploxyees. If you cannot tell the signs of something, it also means that you cannot deal with it. Paul Saundemployeesers has assisted employers to know the signs of burn out in their employees and the measures they should take. The three signs of employees burn out are the loss of confidence, change in attitude and lack of motivation. Employees who show these signs should be engaged immediately since they could be mentally disturbed in their workplaces.


The remedy


To treat burn out in your organization, there is a need to first engage with the employees and ask them about their experiences. They need to come out clean and agree that there is a problem that needs to be addressed. When employees agree to talk, as an employer, you should open your ears and listen to everything they have to say. If the cause of burn out is related to poor working conditions, a solution should be found immediately.


Paul Saunders


Paul Saunders is the founder and CEO of James River Capital, an investment that was formerly owned by Kidder. Peabody and Co. This firm was founded in 1986 but was acquired by Paul Sauders in 1995. Today it offers investment advisory services.


Paul Saunders grew up wanting to become a financial expert. He pursued a B.A from the University of Virginia and an MBA from the University of Chicago. Learn more:

HGGC, a private equity firm, specializes in corporate carve-outs, add-on acquisitions, growth equity, leveraged buyouts, recapitalization, restructuring in middle markets and platform investments. Its primary investments are in North America with diversification in International opportunities.
Executive Leadership
i) Steve Young
The founding father to and chair of the Forever Young Foundation is a co-founder and Managing director. He holds membership in various committees of the firm: The Executive Committee, Fund II Investment Committee, and Fund I policy and the Investment Committee. He was formerly a co-founder and managing director of Sorenson Capital, a firm located in the Western United States. Steve has had a flourishing career from professional football in the NFL and being a corporate spokesperson for various successful companies such as Nike.
ii) Bob Gay
With a vast experience in private equity, Bob is a co-founder and the Executive Director at HGGC. He was the Managing Director and senior partner at Bain Capital from 1989 straight through to 2004. He as well oversaw Bain Capital Europe, responsible for the London and Munich offices of the firm.
iii) Neil White
The former analyst in the Private Equity Group at Och-Ziff Capital Management is a managing director and an integral member of the firm’s investor relations. He joined the company in 2009, two years after its incorporation. He is a BA holder in Economics from Bingham Young University.
iv) Greg Hughes
He is an executive director at HGGC effective from January 10th, 2017. The holder of Masters in Business Administration is also the Chief Executive Officer at Veritas. Formerly, he was a CEO at Serena Software where he foresaw the successful sale of Micro Focus International Plc. He as well holds a bachelors and Master’s degree in Electrical Engineering from Massachusetts.
v) Pat Dugoni
Pat, a former Investment Banking Analyst in the Natural Resources Group at Goldman Sachs, is the Vice President. He is the firm’s Fund II investments in FPX active member as well as Fund I investment in Innovative.
vi) Hudson Smith
The former manager, consultant and Case Team Leader at Bain and Company joined the firm in 2009 and is a Managing Director. He holds a BSc, Business Administration from Washington and Lee University.
vii) Richard Lawson
The finance director at SGM Contracts is a co-founder, managing partner, and CEO at HGGC. He was a participant in the Mergermarket Technology Forum of May 22nd, 2018.
viii) Gregory M. Benson
He is a managing partner and co-founder at HGGC.

Flavio Maluf was born in 1961. He is an individual who came from a rich family at well as politically influential but that influence did not limit him from pursuing what he aspired to do independently. He had to strive through determination and sheer hard work accompanied by business oriented skills that enabled him to be able to create his own successful business entity. Even though he had graduated with a degree in mechanical engineering, hi ambition and desire to be a successful entrepreneur led him to pursue business in totality. He is the head of Eucatex. Read more on Wikipedia.

Eucatex started its operations in 1951. It is involved in the production of quality building materials as well as other related products of timber made from Eucalyptus trees that are very abundant in the Amazon region where Brazil lies. Flavio Maluf joined the company in 1987 where he started working as a junior staff in the administrative ranks before he rose to be the chief executive officer of the company due to his continued exemplary performance throughout his time in the company up to date. After taking up the responsibilities of the leadership of Eucatex, Fabio Maluf’s leadership ensured that the operations of the company spread to over 30 countries where it set up its subsidiary offices as well as offer its services. The products of Eucatex have been trusted to A point of being used for construction of facilities that were used during the Olympics in Brazil under the leadership of Flavio Maluf.

Eucatex is a company that continues to adhere to environmental concerns throughout its operations, thus standing out as the leading entity in Latin America. Through the leadership of Fabio Maluf, the company has been involved in charitable activities such as providing health equipment to underfunded health facilities. Website:

Brazil is considered to be one of the most beautiful places to visit in the world. Millions of tourists travel to Brazil to experience the hot weather and sandy beaches among other destinations. One thing is certain; the force behind the tourism industry has been remarkable. Guilherme Paulus is a well-renowned entrepreneur and hotelier, born, raised and accomplished in Brazil.

Paulus began working as an intern for IBM before starting his journey in the tourism sector. He is fond of narrating his story of uprising from a humble beginning when his then partner, Carlos Vicente approached him. Carlos revealed to Paulus that he was interested in starting a tours agency and saw great potential in the 24-year-old Paulus. Although he had little experience and exposure, Guilherme has been known to have a keen eye and dedicated himself to anything he loved. CVC was born in 1972. Four years later, Carlos left and Guilherme Paulus continued running the business on his own. CVC was distinguished from other tour agencies from the way they interacted with clients and operated out of the ordinary. This would soon see CVC Tours grow into one of the largest tour operators in Latin America. See more of Guilherme Paulus at

Guilherme Paulus, later on, discovered another untapped venture in Brazil. Tourists suffered from inadequate luxury hotel and resorts destinations. He took up the challenge and began the GJP Hotel and Resorts. Today, the company boasts of running over 20 luxury destinations.

While concentrating on GJP’s growth and development, CVC Tours suffered a financial turmoil. Guilherme Paulus sourced funds to keep the company running in 2009. In 2013, the tours company was publicly traded. He continues to participate actively in CVC’s management. Currently, CVC’s revenue accrues to more than $5 billion annually showing that its success remains relevant.

For more than four decades in the tourism industry, Guilherme Paulus has managed to transform the sector and brought it to worldwide recognition. He has received numerous accolades from both within Brazil and internationally. He inspires many entrepreneurs into embracing their strengths and weaknesses as well as working for what they think is possible.

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Ted Bauman recently wrote one his newsletter’s for Banyan Hill publishing about Apple and the company’s stock. Bauman had some information to give his readers regarding his predictions of the company’s future. Apple is a company that many look up to and would be willing to pay higher prices for in the past.

However, Ted Bauman does not see this as something that will continue. Steve Jobs once donated some Apple computers to the schools in the United States. When he did so, he told many he was committed to education. It also seems, he bought the loyalty of buyers from the generation of students who used those Apple computers in their school.

Today, it seems as though Apple sales and revenue are beginning to decline. There are not as many people who are willing to pay more for an Apple product as there used to be. Ted Bauman warns many that the stock for Apple will continue to fall if the company does not find a new loyalty of customers soon.

Apple is a company that used to own the market share for the smartphone. But today, they only hold this market share in the United States, the United Kingdom, and Japan. Overall, the global market share for Apple and its smartphone is only 20%.

Ted Bauman was born and raised in the Washington DC area. After completing high school, he moved to South Africa. While in South Africa, Bauman worked for many organizations. Ted Bauman worked as an ambassador to the United Nations while he lived in South Africa.

He spent more than two decades in South Africa. When he moved back to the United States, he settled near Atlanta, Georgia. He worked as a consultant for some time. However, he found his real passion, which was working with Banyon Hill Publishing, not too long after he settled back in the United States.

Bauman and his wife have a daughter. He enjoys spending quality time with his family. Every morning before Ted begins working; Bauman takes his daughter to school. He enjoys watching her excel in all she attempts.

Did you know that your leadership style may be the biggest impediment to your business success? Style, in this case, refers to every aspect of how you run the enterprise. It touches on how you relate with your employees by way of interactions, encouragement, encouraging and welcoming criticism as well as cultivating a sense of belonging for all employees. Paul Saunders, the chief executive Officer and co-founder, closely follows these business reports and here are his top three picks on leadership style changes with the biggest impact on business productivity: Learn more:


Be a supporter not a leader


According to Paul, there is a thin between leadership and servanthood and every business leader should strive to be a supporter of his team. Instead of the usual delegation associated with most individuals in leadership positions, Paul advice business leaders to consider the more relatable support approach to leadership.


He gives an example of the managers at Facebook and how their shift in leadership mentality has played an even bigger role in advancing the company’s mission than their innovativeness. He mentions that managers at the technology company don’t approach their position with a leadership mindset. Rather they strive to sort the efforts of the team entrusted to them.


Encourage criticism


A business leader should also encourage and welcome criticism. Consider cultivating creativity within the enterprise where every employee is allowed to come up with more innovative approaches to business projects, individually or collectively in a team. More importantly, be approachable.


A significant number of employees with revolutionary ideas as well as genuine and cost-saving criticism base never bring them up to the management. They either fear their managers and team leaders or simply aren’t sure how these superiors would react to criticism and this costs businesses both time and resources. Remaining approachable listening to your employee ideas and contributions goes a long way in tearing down the imaginary employee-employer communication barrier.


Take everyone’s opinion into account


How do you cultivate a sense of belonging within the workplace? By ensuring that every employee is treated equally and fairly. Paul Saunders believes that this should start by ensuring that each of these employees getting an equal chance to contribute to company projects and discussions. Most importantly, take a genuine interest in all these suggestions, criticism, and ideas.


About Paul’s James River Capital


Kidder, Peabody & Co. Inc. founded James River Capital in 1986 as an investment division within the company. The division would, however, be acquired by two of their employees, Kevin Brandt and Paul Saunders, in 1995. They proceeded to register it as James River Capital Corp, an independent hedge fund. In the years that followed, the two would pool in effort and networks to grow the firm that currently boasts of over $570 Million in assets under management.