A Detailed Overview of Brazilian Banking By Igor Cornelsen

The entire world was left wondering on the situation of the banking system in Brazil in 2014. A troubled economy will have an adverse impact on the economy, but it was not the case for two private banks, Banco Bradesco (BBD) and Itau Unibanco (ITUB). These two banks surprisingly recorded a recommendable increase in profit of 28% and 36% respectively.

The real question is how the Brazilian banks prosper in the storm. Igor Cornelsen, a top Brazilian investment expert and banker says that the secret behind these banks’ fortunes is the vast knowledge of the banking market. He also credits their experience of operation acquired in the other former turbulent years.

The private banking sector is only offering loans to creditworthy people only. This will leave the people without a credit history or with an undesirable credit with no option but seek financial assistance from public banks. This situation negatively impacts on the economic growth of Brazil.

What Should Be Done By the Brazilian Government?

Having an uncertain climate should make the government come in and formulate favorable policies for investors to consider Brazil as their destination.

According to Igor Cornelsen, investors are essential to economic growth and should feel secure especially with the government making more fiscal austerity and lots of market-oriented reforms.

Brazil is an attractive market in South America. This is due to the presence of abundant natural resources. The niche that makes it an interesting market is the high need for infrastructure developments which is essential for its rising population.

Things That Could Change the Face of Brazil

Brazil should pay attention to China. China is its largest trading partner. China is also their biggest competitor to their industrialized exports. Definitely for Brazil to succeed, then they should be critical in understanding all their connected markets. Learn more about Igor Cornelson: https://pt-br.facebook.com/igor.cornelsen

Brazil’s currency has been overvalued for years. This has made exports too expensive and loosing competitiveness in the market. It has lead to series of current account deficits. Read more: Investing in the Future Success

A controlled pace of devaluation of the currency would awaken investment levels and make the exports less expensive and competitive. This will lead to favorable of economies of trade hence correcting the disequilibrium of the current account.

How Luiz Carlos Trabuco Led Bradesco To Purchase HSBC Holdings’ Brazilian Operations

Luiz Carlos Trabuco is the Chief Executive Officer of Banco Bradesco since his appointment From within the ranks of the financial institution nearly one decade ago, after more than forty years with Bradesco. Prior to becoming CEO in March of 2009, Mr. Trabuco was the President of Bradesco Seguros, the formal name of the bank’s insurance subsidiary, a role the experienced banker had held since 2003.

Mr. Trabuco has unarguably served Bradesco well throughout his nearly fifty years of service, starting in 1969 and slated to stay with the organization through at least the end of the current decade. He’s probably best known for his takeover of HSBC Holdings’ Brazilian banking operations. According to tostoadv.com HSBC Holdings is an international conglomerate that holds all sorts of investments from every corner of the globe imaginable. With innumerable projects on HSBC’s plate, combined with the difficulty of Brazilian banking to those who aren’t native Brazilians, made it extremely difficult for HSBC to succeed in their South American endeavors as a financial servicer.

He first birthed the idea of purchasing HSBC Brazil, the formal name of its Brazilian bank, in the latter months of 2014. While the deal was pushed forward to executives and attorneys at HSBC Holdings in August of 2015, it took several months of planning to get all the intricacies, nuances, and details sorted out. Luiz Carlos Trabuco was recently quoted as explaining the deal, in which Bradesco received the rough equivalent of six years’ organic growth, something Mr. Trabuco has been active in pushing for and quite skilled at maintaining high levels of organic growth. However, growth wasn’t the only thing Mr. Trabuco was looking for on behalf of Bradesco, as several crucial reasons encouraged the current CEO to move the deal ahead.

First off, banks in Brazil – much like everywhere else in the world with established financial institutions competing with one another – commonly acquire one another, if not merge entire organizations with one another. Considering the fact that Bradesco had lost its multi-decade reign as the largest bank in Brazil in 2008 to a merger between two top-ten banks, Unibanco and Banco Itau, Mr. Trabuco considered it important for Bradesco to secure the thousands of branch locations and other assets HSBC Brazil had to offer, rather than allowing another bank in Brazil to capitalize on the opportunity.

Follow Luiz Carlos Trabuco on LinkedIn

While the $5.2 billion purchase price was quite expensive, worth far more than the fair or book value of the assets HSBC Holdings owned in the nation of Brazil, Bradesco could have lost footing in Brazil’s financial services sector, making it a good idea to purchase the assets, regardless of purchase price.

Luiz Carlos Trabuco firmly believed that HSBC Holdings’ executives would allow another organization to purchase its assets, as its financials had indicated gross underperformance in recent years. Although it makes sense to purchase a top-tier, solidly performing organization rather than a currently failing one, HSBC Brazil’s then-current underperformance made it a prime candidate for sale. Mr. Trabuco was correct in his assumption, as its executives and owners were more than willing to come off its South American assets once approached.

Mr. Trabuco gained such a sharp business sense in the 45 years prior to the aforementioned acquisition from working for Bradesco for 45 consecutive years. That’s right – Luiz Carlos Trabuco had spent his entire career with Bradesco, ever since he was first hired on in 1969 as a teller and clerk, as entry-level positions as humanly possible.

Also aiding in negotiations between the two entities were the Philosophy and Socio-Psychology degrees Mr. Trabuco had earned in his younger years, having boosted his communication skills throughout his entire career.

Search more about Luiz Carlos Trabuco: http://www1.folha.uol.com.br/mercado/2016/09/1810520-bradesco-quer-manter-trabuco-na-presidencia-por-mais-dois-anos.shtml

Creating A Guiding Path for Philanthropic Work

Born in 1952 to a real estate developer father and a homemaker mother, Adam Milstein followed his father’s footpath to become a renowned philanthropist in the United States. He spent his early years in Motzkin and later joined the Israeli defense force in 1971 where he fought in the Yom Kippur war. After the war, he resumed his studies at Technion where he graduated with a bachelor’s degree in business and economics and what Adam Milstein knows.

 

Growing His Career In The United States

Adam ventured in the real estate industry when he joined the Hager pacific properties as a sales agent after completing his master degree in business administration. He was later introduced to philanthropy, and he wasn’t just content with making money, but he wanted to build a legacy with what he earned. After lengthy discussions with his wife, they dedicated most of their time to building the Milstein family foundation, a philanthropic movement that was meant to support and empower pro-Israeli organizations and his Linkedin.

 

The Success Story

The Milstein foundation is one of the well-known organizations that work in close collaboration with the Jewish community in the United States and Israel. The organization is guided by three core principles which are philanthropic synergy, life path impact, and active philanthropy. Also, Adam ensures that all the charity or organization he funds is in line with the foundation’s mission and goal.

 

A Refuge For Israeli-Americans

Before deciding to start the charity foundation, Adam realized that people in Israel and America lacked an organization that brings together the two communities. Today, Adam serves as the chairman of the Israeli American Council, a non-profit organization that helps the Israeli-Americans. Also, the IAC engages the Israel-American in philanthropic work that has significantly transformed and brought together the Israeli community living in the United States and more information click here.

More Visit: https://www.crunchbase.com/person/adam-milstein#/entity

Nathaniel Ru Talks Sweetgreen Success

The Sweetgreen empire has been a fascinating study to watch in terms of how a small, focused concept can grow into a regional juggernaut. Sweetgreen was founded by a trio of Georgetown graduates, led by Co-CEO Nathaniel Ru.

Their concept was simple: the team wanted to develop a healthy restaurant that anybody could walk into and feel at home ordering food and eating something good for them. The surprising rise of Sweetgreen is interesting in how Nathaniel Ru and his team overcame specific hurdles that otherwise would have slowed down similar companies.

Sweetgreen, for those not in the know, is a small high-end salad chain that has been steadily growing throughout the Northeast over the better part of the past decade. Nathaniel Ru and his team started off with the concept back as students attending Georgetown University.

It was there that Ru met his co-founders, Jonathan Neman and Nicolas Jammet. Neman, Jammet, and Ru all took an entrepreneurship class together at Georgetown University and it was there that they really started to get to work developing what Sweetgreen would soon become.

The goal with Sweetgreen, as accorded by Nathaniel Ru, was to create something that was more than just a restaurant. They wanted to create an extension of the communities that they served. Read more: Nathaniel Ru Blazes a Trail in The Height Food Industry | Affiliate Dork

That is why the company has focused so much on the ‘Sweetgreen Experience’. Sweetgreen works with local companies in order to put on festivals as wll as events within their own stores in order to inspire people to visit and collaborate with one another.

Above all of this success stands Nathaniel Ru, one of the primary minds behind the business. While Ru has steadily guided Sweetgreen to having more than 40 locations around the country, he hasn’t forgotten what he’s learned along the way.

Ru has a range of inspirations when it comes to his work with Sweetgreen but he admits that Kevin Plank, of Under Armour, is one of the largest ones. Ru says, “I look up to Kevin Plank.” Ru goes on to explain, “It’s a company that stands for something bigger than itself.”

Nathaniel Ru and the Sweetgreen team have done pretty well for themselves thus far into their careers together. A big reason for their early success was their unique focus on what makes healthy food, well, healthy. Sweetgreen uses fresh, organic and local food for all 40 of their locations around the Northeast.

Mike Baur Transitions From Banking To Funding Tech Startups

Mike Baur is a shrewd entrepreneur from Switzerland. He serves as the managing partner of Swiss Startup Factory. He is a graduate of the University of Rochester and Bern University. According to Wall Street Journal, which featured Mike Baur’s profile, the executive began his career in banking at the tender age of 16. He has over 20 years of experience in the banking industry. Notably, Mike worked as an apprentice at the Union Bank of Switzerland (UBS) in 1991. Later, the young financial expert joined UBS where he spent most of his time in the 1990s. He was appointed to a top advisory position while still below the age of 30. While here, Baur was privileged to counsel some of the nation’s wealthiest individuals.

The talented banker quit UBS to join Clariden Leu bank in 2008 where he worked at its Zurich office. Here, Mike Baur enjoyed high compensation. However, he decided to quit his job in 2014 to venture into a different field of investing in tech startups. His career transition was occasioned by the post-recession crisis experienced in the banking environment. He partnered with Max Meister and Oliver Walzer to establish Swiss Startup Factory, a company that offers essential training and mentoring programs to Swiss tech entrepreneurs. Through Swiss Startup Factory, Mike provides funding to disruptive startups and additional services like rent-free offices.

Besides disseminating funds, Swiss Startup Factory encourages qualified tech entrepreneurs to participate in Pitch Contests. In 2014, Mike Baur participated at a startup pitching contest, START Summiteer at Swiss University, as a jury member. The event features founders of 30 startups. These individuals speak to the public about their products, business models and strategies. The eligible companies should have less than $1 million. These contests offer them a platform and an opportunity to attract substantial investments.

Mike Baur is the brain behind Think Reloaded, a firm that offers financial consultation to affluent clients. After an interaction with SSUF, he secured a job as the deputy managing director of CTI Invest. SSUF and CTI are responsible for offering training programs and planning the Swiss Startup Day event. In 2016, SSUF entered into a partnership with BV4, a company that estimates the monetary values of inventions, ideas, and other intellectual properties. This evaluation helps SSUF to undertake its investment processes. During an interview, Mike said that SSUF was unique as it operates independently, unlike many incubators who are part of other businesses. Presently, Baur channels his energies to Think Reloaded besides funding and fundraising activities at SSUF.

 

Loan Acquisition has Never Been This Easy Thanks to Equities First Holdings

Equities First Holdings (EFH) has come through in a big way for investors looking for loans to finance their businesses. The global lending firm started a loan program mid last year that allows borrowers with shares elsewhere to use them as loan collateral. The program, which is commonly known as a stock-based loan system, has made EFH a lending institution of choice for many individuals who are denied conventional credit-based loans from other agencies. Most banks and other lending institutions aren’t leaving anything to chance these days, making loan acquisition an uphill task to many. The thresholds for credit-based loans are consistently being reviewed and made more demanding to keep off potential loan defaulters. Other banks are limiting their clients to fewer loan options and at the same time raising their interest rates to reduce the risks involved. EFH, therefore, stands out as an institution that is committed to finding solutions during harsh market seasons and more information click here.

 

Words from Al Christy

EFH’s stock-based loans are non-recourse, which means that a borrower is immune to claims beyond the collateral, regardless of whether the stock used as collateral maintains its value during the loan period or not. Stock-based loans have for the longest time been viewed as underhanded and unviable, but according to Al Christy, Jr., CEO of EFH, the loans are not as bad as most people take them. He argued that this traditional belief was brought about by disreputable lenders who exploit their clients by failing to honor the loan terms and agreements. Chris affirmed that his firm was committed to honoring its transparency and integrity legacy as well as to follow the set borrowing regulations and resume it.

 

About Equities First Holdings

Equities First Holdings, LLC, is a respected lending firm with a presence in Europe, Asia, Australia, and the U.S. The company mainly specializes in financing businesses for its clients through loans, especially the stock-based loans and what Equities First knows.

Since its inception in 2002, EFH has attracted admiration from its customers for its low-interest rates. Through this, clients can optimize on their loans with minimal risk and its Website.

More visit: https://www.glassdoor.co.uk/Overview/Working-at-Equities-First-Holdings-EI_IE1401879.11,34.htm

Chris Burch: A Closer look at Chris Burch:

Chris Burch is the CEO of Burch Creative Capital. Burch Creative Capital is headquartered in New York City. The company handles brand development as well venture investments. Tory Burch also assisted Chris Burch in creating Burch Creative Capital.

Chris Burch and Tory Burch are independently wealthy and have been featured numerous times in Forbes Magazine. In addition, both businessmen have also been featured on Bloomberg as well as CNBC Business.

While Chris Burch was still a senior in college he and his brother started a company called Eagle Eye Apparel. The two young men were quite ambitious and were able to start the company with less than $2000. Within 10 years Eagle Eye Apparel was a huge success. The company had an estimated $50 Million in sales by 1986.

By early 2000, Burch had his own clothing label. By this time Burch had become CEO of Eagle Eye Apparel. Over the next 10 years the company experience tremendous growth and profits exceeded all projected expectations. At one point it was estimated that Eagle Eye Apparel was worth about $100 Million dollars.

By 2008, Chris Burch has experienced great success and wanted to explore other business opportunities. Therefore, he started a new company called Christopher Capital LLC. After two years Burch changed the company name to Burch Creative Capital. Burch Creative Capital did exceptionally well and is still going strong today.   Check the website, hit on burchcreativecapital.com

Three years after Burch Creative Capital was launched, Chris Burch also started a new company called C. Wonder. C. Wonder was an apparel company that sold home decor as well as accessories. Eventually C. Wonder was sold to Xcel Brands.

Chris Burch also began to try his hand at Real Estate. Burch began to purchase as well as rehab hotels which turned out to be an ultimate financial success. In addition, Burch also started a bottled water company called Voss Water. In 2013, Chris Burch decided to purchase a resort on the Island of Sumba. It seemed that Chris Burch had what it took to make a business a success. He and hs brother Tory are considered two of the wealthiest men in America.  Additional article to read on architecturaldigest.com.

According to bjtonline.com, Chris Burch attended Ithaca College in Ithaca New York. Burch received his degree in Business Finance from Ithaca in 1977. He has always taken education very seriously and has donated large sums to his former college as well as other institutions of higher learning.  To read shared views and insights from him, click on this.

Chris Burch currently resides in a luxury home in Scardsdale New York. His current home is estimated to be worth about 10 million dollars.  For added detailed info, hop over to crunchbase.com.

To read more about him , visit  http://www.forbes.com/profile/christopher-burch/

The Success Journey of Businessman Gregory Aziz

Greg Aziz has made tremendous impacts on the car manufacturing sector. He hails from Ontario London. Greg Aziz holds an economics degree from Western Ontario University. He started his career at Affiliated Foods which was their family business. At this company Greg Aziz made it start operations worldwide. The company specialized in providing fresh foods in the market via wholesale price across countries like United States, South America and Europe.

Greg Aziz ventured in Investment banking in New York City after leaving his family business. He had saved some money that he used to purchase The National Steel Car Company. The goal of the National Steel Car Company was creating a railroad freight car and being the leading manufacturer in North America. Gregory James Aziz employed qualified engineers and staff to fulfill this goal. The National Steel Company increased the car production from three thousand to twelve thousand annually. The National Steel Company carries out other operations like producing and supplying rolling stock to railway operators in Canada and America.

National Steel Company through Gregory James Aziz provides a variety of cars. The freight cars include Boxcar that the super and Jumbo duty, Coil Car that contains the transverse coils, the Flat car that involves Center beam cars. Gondola car comprising of the coal car, Hopper car that can be open or closed on top, intermodal car and the Tank car that includes the insulated and non-insulated vehicles. The National Steel Company also produces rail cars and on- rail cars like the Snowplow car, Log Stake car, Passenger car, trucks among others.

Greg Aziz in collaboration with National Steel Car has won awards. It recognized as the only railroad freight car that manufactures and produces to be certified by the ISO 9001.National Steel Car is the second in providing quality cars by the TTX SECO list for eleven years. James Aziz is from a humble background, and this has enabled commit to the Ontario community. Through the National Steel Company, they sponsor charitable organizations like Salvation Army, United Way and other local charitable groups. They also involve their employees in parties like Christmas to celebrate their achievements. He also employs staff in the participation of food drives in any local food banks.

Greg James Aziz and his wife sponsor Royal Agricultural Winter Fair in Canada that produces agricultural products and offers research activities to the youth. Greg Aziz is one who has a clear goal, strategy in business development and works with his staff to meet the needs of the community.

 

Equality for All

The arbitrary arrest of two veteran journalists Michael Lacey and Jim Larkin directly led up to the conceptualization, creation, registration, funding and direction of the Lacey and Larkin Frontera Fund.

The same arrest gives essence and a motivation to all that come into partnership with, under funding of, or protection of the Lacey and Larkin Frontera Fund; the most prolific predominantly pro-Hispanic human rights watchdog in the United States. The Lacey and Larkin Frontera Fund, named after the two journalists and human rights activists who founded it.

America’s self-proclaimed toughest Sheriff, Mr Arpiao, had come under the close scrutiny of the two journalists for claims of bias and racial profiling.

He was said to be arresting members of the Hispanic Community without any probable cause and mistreating them while in custody. Michael Lacey and Jim Larkin investigated the claims and came up with conclusive evidence that indeed, Mr Arpiao had grossly violated the constitution and his mandate by;

  • Making unconstitutional arrests,
  • Abusing powers of his office to settle personal conflicts,
  • Racially profiling members of minority groups, especially Hispanics,
  • And treating county prisoners with cruelty.

Mr Arpiao was angry when the veteran journalists exposed his fraudulent and discriminatory activities. He went on to carry his fragrant abuse of office to another level; he decided to make the arrest that led the foundation of the Lacey and Larkin Frontera Fund. By arresting Michael Lacey and Jim Larkin, Sherriff Arpiao made the mistake of repeating all the offences he had already been accused of public.

The only difference was that he did it to journalists; some of the most legally protected professionals in the United States. The decision turned out to be the worst mistake that the sheriff ever made throughout his career because the two journalists could not and would not be intimidated.

Michael Lacey and Jim Larkin sought to seek justice for the wrongful arrest to which they were put under. They also felt that the Sheriff deserved punishment for mistreating them while they were under his custody. They sued Maricopa County for wrongful arrest and malicious damage. Learn more about Jim Larkin and Michael Lacey: http://www.laceyandlarkinfronterafund.org/about-lacey-larkin-frontera-fund/ and https://www.linkedin.com/in/michael-lacey-5b0159145/

They kept losing the lawsuit, but they appealed numerously until they won the case at the appellate court. They were determined to seek justice and as they did, they made an example for other minority groups and set a liberating precedence for justice and equality. The appellate court awarded the two a whopping of 3.7 million dollars.

Lacey and Jim decided to put the of 3.7 million Dollars which they had been awarded as compensation for their misguided encounter with the law enforcement officer to uphold justice by challenging bad laws and law-enforcers who do not enforce good laws.

Together with other lobby groups for human rights and other causes that include emancipation of the oppressed, Jim and Lacey have since fought against draconian laws through the Lacey and Larkin Frontera Fund.

The American Civil Liberties Union (ACLU) is one of the most vocal groups with which the Lacey and Larkin Frontera Fund has ever partnered. Another group is the Puento Arizona. The three organizations all work towards making the lives of immigrants more tolerable in the United States than they are presently.

Cameron Clokie’s Experience Helps Bones

Cameron Clokie is an endodontist and knows a lot about the mouth. He has been working with mouths, teeth and gums for his entire career and knows how to make sure that things are healthy in the mouth and people are able to have the best experience possible when it comes to the mouths that they have.

For Cameron Clokie to be able to enjoy all of these things, he had to come a long way and do a lot of research in his Canada-based practice. During that time, he learned what made the mouth regenerate and how it could be different from what most people were expecting. Learn more about Cameron Clokie:  http://www.ideacity.ca/speaker/cameron-clokie/ and https://ca.linkedin.com/in/dr-cameron-clokie-136991109

He also learned the right way to try different things and make the mouth even healthier for people to enjoy. Since he was a doctor and knew what he was doing, he was confident that he could help other people and that they could have the best mouth experience possible.

Cameron Clokie did a lot of things but one of the latest things that he came up with was the idea that he could help regenerate tissues in other areas of the body. He knew that the mouth was capable of doing it and he wanted to see if he could do it with other things and other body parts.

This was something that he worked on for a long time and something that he knew he would be able to use to make the lives of everyone better.

When he was doing his outreach work, Cameron Clokie decided to try out the things that he had been practicing and learning about in the practices. He was able to try out the regeneration in the instances that he was using it for.

He helped people to learn what they could do and to make things better for them so that they would be able to try different things. He also did his best to show them that they would be able to take the treatment and have more successful lives. He has since learned about the different things that he could do to help people.

Read more:

Dr. Cameron Clokie Gives His Quick Tips for Tooth Care While Traveling