BMG Bank Is A Leader In Brazil’s Consignment Credit Industry


Posted by LLJ43 | Posted in Banks, BMG | Posted on 27-11-2015

When a Brazilian bank is brought up in conversation, the first bank name discussed is not Banco do Brazil or one of the other firmly entrenched banks in the Brazilian fiancé industry. The first bank that comes up in any conversation about consignment credit is BMG Bank. People that are not familiar with Brazil don’t know much about BMG Bank, but that’s a miss on their part. BMG Bank is a very profitable bank in Brazil right behind Banco do Brazil and a leader in the consignment credit industry.
The reason BMG Bank got so strong in the consignment credit industry is the bank uses conservative banking methods. BMG Bank was first known as Minas Gerais Bank when the Guimarães family started the bank in 1930. It was a local bank, and it steadily grew because of its conservative banking methods. When President Ricardo Guimarães became President of the bank more than 70 years later, he saw a need for a banking product that the newly formed middle-class could use. Banks were lending money to the middle-class in 2010, and consignment credit was the vehicle the bank’s used to secure the loans.
BMG Bank came up with their own product and the bank called it payroll loans. Payroll loans give employed Brazilians the opportunity to use their income as collateral for the loan. The bank gives borrowers reasonable terms and a lower interest rate. Payroll loans and other consignment loans accounted for more than $R23 billion in loans for BMG Bank and that gives the bank an 18 percent market share. The total value of all consignment loans in Brazil is more than $R130 billion. BMG Bank President Ricardo Guimarães believes the bank’s market share will continue to increase in 2016 because most of the middle class hasn’t used the product.
Ricardo Guimarães says there are several factors to consider when it comes to increasing the bank’s consignment credit market share, and his bank understands all those factors. BMG Bank has a committee in place that approves all loans and that committee weighs all the information before it gives a final approval. One important thing to consider going forward, according to Guimarães, is the unemployment rate. The unemployment rate is trending upward, and if the economy doesn’t bounce back soon, the unemployment rate will increase among the middle-class.
Guimarães is also concerned about inflation, but he believes the new government budget will get inflation under control in 2016. The projected rate of inflation in 2016 is 6.6 percent. That is almost 4 percent better than the current inflation rate. There are always challenges according to Guimarães, but he thinks his bank is in a great position to increase market share and profit using his consignment credit strategy.



Posted by LLJ43 | Posted in Uncategorized | Posted on 26-11-2015

Early Life
Brian Bonar is a financial expert in making financial decisions. He has had excellent business structures due to his success in intensive business leadership. He is one of the most successful financial executives in the United States. H graduated from James Watt Technical College having received a bachelor’s degree in technical engineering. He thereafter proceeded to Stanford University for a master in Mechanical Engineering.

Accomplishments and Business History
He is currently the leader of Trucep, incorporated. He has served as a leader in major companies like Dalrada Financial Corporation. He worked as a procurement manager for IBM the later on he went and became the Engineering Director for QMS managing 100 people. He moved to Adaptec as a sales manager and after acquiring enough experience he proceeded to start his company called Bezier Systems. Alongside, he still used to work for many other companies before he accrued his success in Dalrado Financial services where he were accredited as the most helpful wonderful colleague.

Bonar’s Major Business Financial Decisions
Bonar advises that if you own a business then there are quite some financial decisions you would need to make including paying taxes, workers’ wages and salaries and even insurance. By doing that one needs an expert financial advisor to get things right. One of the Companies that Brian helped out was Dalrada financial corporation by helping it to manage its payroll. For instance when dealing with payroll things like how much to pay as taxes are jobs that Brian Bonar can do problem free.

When it comes to finance, Bonar has lots of years of experience. He has had to serve several groups and companies to increase his knowledge, for instance, he served as an employee at American Management Services and LLC as a chairperson and CEO. He has a qualification of an MBA and a Ph.D. from the University of Staffordshire.

With nearly over three decades of professional experience in the financial sector, Brian Bonar is exceptionally placed to oversee procedures for Dalrada Financial Company. He has been able to serve as the corporations CEO (a position that holds him answerable for a vast employee selection as well as employer benefits and the aftermarket products. This company is a marketing liaison that supping a very broad program for employees that increase the business efficiency.

Bonar is one of the best financial experts in the United States with over thirty years of experience and with a proper clear record of performance in several companies including Dalrada Financial Corporation. He helps businesses make financial decisions by giving them a proper channel to manage their finances and tackle the most problematic decisions underlying finances.

Brief Overviews By Ricardo Guimaraes On Financial Credit And Inflation Impact


Posted by LLJ43 | Posted in Banks, BMG | Posted on 24-11-2015

For some developed timeframe, inflation was seen to shape different parts in financial organizations making the rate of credit presentation to go up. As indicated by Ricardo Guimaraes, individual credit business sector is the one that has been expanding most in the business sector and regardless of the national development; exploitation is almost to its climax. According to BMG Bank CEO & President Ricardo Guimarães all that is required now is astounding access to the universal capital business sector, and that is the thing that the BMG precisely does. BMG is constantly mindful to concentrate and target new chances. What’s more, social intercession as likewise had greater influence in different parts of the world. It is constantly great to work vigorously and in BMG, there has been a group of committed and qualified individuals at the ground that guarantees everything goes as organized.
As Ricardo Guimaraes place it in the meeting, the overall budgetary emergency provoked a civil argument about the nature and ampleness of cash related regulations, and whether national banks should consider unequivocally financial strength objectives in the conduct of monetary mechanisms. A run of the mill conflict to support this point of view is that the very achievement of expense quality may be joined with an extended peril of cash related dubiousness. That is by influencing an excess of confident suppositions about future financial prospects, or by extending motivators that expect more hazard, low and stable rates of development.
All that is required now is magnificent access to the general capital business part, and that is the thing that BMG precisely does. The bank normally just works with the general populations who have psyche boggling portfolios. This makes them grow in the money related field, and it’s a significant reason they might remain in the sector for more than 80 years, truly changing into an extraordinary business. This accomplishment of the bank has been accomplished because of the gigantic and expert Association of Ricardo Guimarães to have directed the bank to be among the essential and prominent banks in Brazil. Quantifiable strategies can get clients ready for changing markets and keep their organizations from being overwhelmed in light of contention. That includes collecting and breaking down data about their business fragments.

Ricardo played a significant role in increasing the bank’s reputation. He aalso ctivelly invests in different sport events.
Understanding your customers’ business behavior is one of the parts that can’t be forgotten. Without this understanding it turns out to be difficult to get more customers especially in the current world of tough competition. As an unreservedly worked assistant of ING, BMG is the fundamental bank on the planet to focus just on liquidity and information organization answers for multinationals. You can perform basic points of interest by entrusting your overall liquidity organization techniques to BMG.

George Soros Has Remained An Influential Leader


Posted by LLJ43 | Posted in Carreer, Financial Advice | Posted on 19-11-2015

Known for his avid involvement in improving communism societies, George Soros is one of the most influential figures in the world. Currently the chairman of Soros Fund Management and the Open Society Foundation, this prominent leader strives to intertwine his professional and charitable pursuits by using his prestige, money, and knowledge to promote democratic communities. As an experienced businessman and philanthropist, he has employed his strategic financial skills to donate roughly $11 billion to many different social justice causes such as the Central European University, Millennim Promise, Ford Foundation, the University of Cape Town, America Coming Together, and the Drug Policy Alliance. These financial contributions have greatly influenced his renowned recognition as a noteworthy reformer.

Since he embarked on his professional career in 1954, Soros has remained one of the most powerful global businessmen. Throughout the years, he has amassed an extensive portfolio of financial experiences at Singer & Friedlander, F.M. Mayer, Wertheim & C0., Arnhold and S. Bleichroeder, and Soros Fund Management and, as a result, he was well-equipped to manage the operations of the Open Society Foundation. Some of his noteworthy business accomplishments involved the development of the Quantun Fund, the First Eagle Fund, and the Double Eagle Fund, which have generated a combined total of over $40 billion. Soros’ success in the financial markets has provided him with great confidence to solve controversial issues.

Alongside his profound charitable pursuits, Soros addresses various challenging matters in many of his books and essays. As an award-winning author, his extensive collection of published works offers readers insight concerning his thoughts on politics, business, open societies, investing, philanthropy, economics, and globalization. In his book Financial Turmoil in Europe and the United Sates: Essays, he responds to the financial turmoil in Europe and the United States after the Crash of 2008 by emphasizing the need for a more conducive banking infrastructure. In another piece titled The Age of Fallibility he describes his triumph in the financial markets as well as his commitment to use his money to change the world.

Today, Soros continues his campaign for human rights by actively helping communism countries transition to democratic societies. Some of his responsibilities at the Open Society Foundation include implementing programs to promote social justice, strengthening relationships across borders and continents, and creating vibrant and tolerant global communities. He also oversees the organization’s initiatives that award numerous grants, scholarships, and fellowships to applicants around the world.

About George Soros
Following his graduating from the London School of Economics, Soros held a variety of blue collar jobs before earning an entry-level position at Singer & Friedlander in 1954. After many years in the financial sector, he founded Soros Fund Management during the early 1970s. More than thirty years later, the firm generated approximately $27 billion in assets under management. His rapid triumph as a successful businessman encouraged him to develop the Open Society Foundation in 1993. According to a recent report by Forbes, Soros is one of the country’s wealthiest and influential figures.

Adam Sender Combines his Business and Extracurricular Pursuits to Amass a Unique Art Collection


Posted by LLJ43 | Posted in Uncategorized | Posted on 19-11-2015

Leading hedge fund manager, Adam Sender remains an integral figure inboth the business and art industries. Formerly the founder and owner
of his previously successful company, Exis Capital Management
Incorporation, this prominent executive is most recognized for
intertwining his professional and extracurricular pursuits. As anexpert art collector, Sender has amassed over 1,000 pieces totaling toapproximately $100 million in value, all of which were accumulatedover the span of two decades. These massive numbers directly reflect
his strategic business and investment skills which were cultivated
since the late 1990s during his during his employment at SAC Capital
Advisors LP. Most importantly, his sound decisions has greatlyinfluenced the growth of his fine painting portfolio and hisdistinguished acknowledgement as America’s most prominent artcollector.

In his effort to develop an exclusive great works assortment, Senderemployed his prior business expertise to acquire many reasonably pricedartwork. For over twenty years, he has managed many effective hedge fund
investments which involved choosing promising equity, therefore, he
was well acquainted with selecting quality paintings which would
greatly increase in value over time. Most importantly, his backgroundin strategic financing along with his avid interest in unique fineprints enables him to purchase work from the most renownedcontemporary artists around the world.

Sender’s gradual accumulation of excellent yet inexpensive artwork wasan extremely worthy investment as he has just recently sold his prestigiouscollection for 70 million through Sotheby’s auction house. Notably,
the many years of smart choices with guiding intelligence ultimately
profited in the long run and he hopes to share his rewarding
experience with novice art collectors both locally and internationally.

For many great works enthusiasts, purchasing art began as an exciting
hobby or extracurricular activity which quickly blossomed to an
unintentional obsession. Although Sender supports the acquisition ofmany exquisite paintings, he strongly believes new art collectorsshould weigh the current price tag with the potential return ofinvestment. According to Sender, each painting is extremely unique despite the
genre or creator, however, individuals should consider the value of
the work ten or twenty years from now.

There are many genres from which art connoisseurs may choose topurchase. While some collectors may prefer Cubism, Futurism, or
Indigenous pieces, others might gravitate toward Mannerism,
Photorealism, or Pop paintings. Even though the combination of prints
can vary, extremely talented art enthusiasts is skilled in assembling
a mixture of genres into their portfolio. Essentially, an appealing
collection will most likely revel the connoisseurs distinct taste and
preference. Most importantly, a highly successful portfolio is a
reflection of the art aficionado’s unique personality. Notably, Sender assists
many individual’s in reaching this level of art sophistication.



Posted by LLJ43 | Posted in Banks, BMG | Posted on 18-11-2015

BMG bank is an international group of banks serving many nations in the world. BMG bank in Brazil or “Banco Brazil” as the locals call it, is lead by CEO and President Ricardo Guimaraes.
During a recent interview, President Ricardo talked about some of the successes the bank has been able to achieve. During his tenure, the lending credit rate of Brazil was 23% of the country’s gross domestic product in 2004. However in 2010 the lending credit rate grew to 47% of the gross domestic product.
He also noted that in 2004 the consigned credit market was 6 billion dollars for 20% of the personal credit for the country. While in the year 2010 the consigned credit market was 85 billion dollars that was 60% of personal credit of the bank system.
BMG bank total credit portfolio was 2.4 billion dollars as at December 2004. In 2010 December, the credit portfolio of BMG bank reached more than 14.5 billion dollars. The equity for the year 2004 ending December was 325 million dollars. The equity as at 2010 December was 1.4 billion dollars.
President Ricardo accredits the good performance of the bank due to a dedicated team of ethical, diligent and hardworking professionals. BMG also puts a lot of energy in the consigned credit markets. This market is the cheapest kind credit in the market because it is not fully exploited yet, its demand has only 50% taken care of while the rest of the market is up for grabs. Currently, the bank is leading in this product and its operations and supplies 18% of the market out of an impressive 60 banks.
BMG bank has over 3000 points of sale and has more than 50000 agents operating in various municipalities within Brazil. The Return of Equity was above 25% per year since Ricardo was president.
The bank has also enjoyed international profits dues to its bonds offers. It has also had diverse business portfolios like it acquired GE money, a company for loans, debt consolidation and insurance. It also merged with a local television station so they can show the various talents the youth of Brazil have, especially in soccer.
BMG bank is also involved in Corporate Social Responsibilities such teaching the community about culture and education in other programs. It also helps the community in health and entertainment issues.

Beneful Dog Food Keeps Your Pet Healthy and Happy


Posted by LLJ43 | Posted in Animals | Posted on 18-11-2015

The good folks at Purina’s Beneful on petco dog food boldly stand behind their great dog food products. Many customers have added their positive comments to thousands of others, attesting to Beneful’s healthy benefits. Dogs that are fed this nutritious dog food, both the wet and dry varieties, are healthier and happier. It is chock full of good ingredients, such as real meat and veggies high in vitamins, and omega-rich antioxidants.

Beneful not only provides dogs with all the nutrition they need, they also make sure that their dog food supplies the wonderful flavors that dogs are sure to love. There are 20 varieties of this healthy food with the extra special textures dogs enjoy. It is 100% balanced and complete. Choose from a list of all kinds of flavors on, including: pork, chicken, lamb, and beef. There are thin sliced up to large meaty chunks in the Hearty Roasters variety. And, of course there is much more than meat, for balanced nutrition there are also a number of vegetables included, such as rice, carrots, green beans, and barley. This great dog food also comes in different convenient packages. The wet food comes in small 3oz and up to 10oz multipacks, which are resealable.

Dogs are not just our furry friends, they are also often considered members of our families. They deserve to be treated well and taken care of by people who understand the importance of supplying dogs with good nutrition as well as a safe home. Plus, just like us, dogs enjoy hearty flavors and fun textures in their food. A healthy dog is a happy dog, and much more likely to live a long and useful life. Do your dog a favor and switch to Purina’ Beneful dog food. And go the extra mile and recommend Beneful to all your friends, neighbors, and family. They will thank your for helping them learn the best dog food to buy and you can feel happy knowing you have helped them grow their dogs into happy healthy pets with shiny coats, good teeth, bright eyes, and that happy dog pink tongue and quick wagging tails.

How The U.S. Money Reserve Is Helping CrowdRise Make A Rise


Posted by LLJ43 | Posted in Donations, Funds | Posted on 17-11-2015

It should be everyone’s goal to give a little of what they get back for the holidays. That is what CrowdRise is trying to do this year. The U.S. Money Reserve is helping CrowdRise to encourage everyone give back some for the holidays to the families who can’t afford to have a meal on the table. CrowdRise wants everyone who lives within the Central Texas Area to help by donating something to the cause. The Capital Area Food Bank has previously helped out when it came to the hungry, almost 300 partner agencies in 21 counties have been helped by them within Texas to feed people. Just recently in 2014 they helped to raise around 31 million pounds of food to the families who were in. Now they have set a new goal, they want to raise over 31 million this year, and they will be needing a lot of help to make that happen!
CrowdRise very good at raising money for a good cause, even Mashable and Forbes have dubbed them the highest ranking fund-raiser online websites. They are so good at raising money for charities that they beat Operah. Many well know famous people have donated to and helped out with CrowdRise, like Seth Rogan, Sophia Bush and Will Ferrell. At first, they were trying to keep CrowdRise a secret, but now they have opened the doors and said come on in, so help out Crowdrise and join in on the fun.
The U.S. Money Reserve continues to strive to be the best. They were originally founded by a well known group of gold market veterans who had wanted to give back to the people by providing them with a place where they could get great customer service, knowledge in the market and trusting guidance, the things that are needed most when dealing with precious metals.
To this day, the U.S. Money Reserve is trying to give the greatest U.S. Government Issued Gold, Silver and Platinum Coins to their consumers. Almost all of the clients that they have had have profited greatly and are still seeing profits to this day thanks to the expertise of the U.S. Money Reserve.

Madison Street Capital: On The Client’s Side


Posted by LLJ43 | Posted in Financial Advice, Investment | Posted on 13-11-2015

In Today in America with Terry Bradshaw, Terry pointed out how hesitant and unsure people seem to be after the recent economic recession. Now that the economy is somewhat stabalized people are eager and ready to begin planning for and starting up new businesses. The problem is that most people new to business are hesitant because they still view financial institutions as being unpredictable and confusing. This is where Bradshaw highlights the sterling reputation and straightforward business practices off Madison Street Capital.
As Terry Bradshaw pointed out in the video, the hesitancy in starting a business comes primarily from the finacial side of that business. Asking for a loan from a bank can be intimidating and feeling unable to aquire funds can be overwhelming. One of the things the CEO of Madison Street Capital, Charles Botchway, elaborated on during the show was that Madison Street Capital goes above and beyond required disclosure to ensure that clients feel completely informed. Education plays a very large part in the job of Madison Street Capital financial advisors as they are the ones in charge of making sure a client is aware of the risks and benefits of all of their options. They feel that when a client has all of the necessary information, he/she can feel confident in their financial plan and business model.

Another advantage to using Madison Street Capital according to their Sr. Managing Directors Barry Peterson and Karl D’Cunha is that all advisors put the needs of the clients first. They say that their experienced team of financial advisors is dedicated to knowing the business practices of their clients inside and out. This is so advisors are educated about their client’s business model and are then able to offer her/him the best possible financial advice. Madison Street Capital will even give its clients advice that they don’t want to hear. They stated that they would rather give uncomfortable advice than untrue advice, even if it means losing business. Where other investment firms might blur the truth in an effort to get a portion of the client’s money before their business goes under, Madison Capital says they would rather have a good reputation and their clients be completely aware of the decisions they are making.
Madison Street Capital is a well-established international banking investment firm that says they are dedicated to honesty and expertise. There are many financial institutions hoping to trick you into giving you more money than you anticipated or who are willing to gamble with your business without seeing the big picture. A business is more than just its CEO. Losing a business means that employees, families, and communitees are affected. When it comes to business start up and financial investment, I think Mr. Botchway said it best when he said, “Integrity is key in this business.”

The Top 3 Questions to Ask a Personal Injury Lawyer Like Dan Newlin During the Consultation


Posted by LLJ43 | Posted in Uncategorized | Posted on 12-11-2015

Attorney Dan Newlin is a person injury and accident lawyer serving Florida and Illinois. He and the other attorneys at The Law Offices of Dan Newlin are highly experienced. They have and excellent reputation and have recovered over $200 million for clients. Newlin also offers free case consultation to potential clients.

Before hiring any personal injury lawyer, a consultation or interview will need to take place. These interviews and consultations can be intimidating at first, and many people don’t know which questions they should ask of a potential attorney. Here are a few of the most important questions to ask when selecting a personal injury attorney.

What type of cases do they usually handle?

A general practitioner will hand all sorts of cases, and personal injury cases are only part of what they do. It is typically much better to hire a specialist, who will have more knowledge and experience in this specific type of law.

How much experience do they have?

Nothing will hinder a client’s case like an inexperienced attorney without the necessary knowledge, experience, and resources to properly represent injury and accident victims. An experienced attorney who understands the insurance companies and court systems involved and who has an excellent track record will definitely do a better job in handling a case and getting a client the compensation of the amount they are entitled to.

What does their track record look like?

If the attorney has many past cases with successful outcomes, this is a very good thing for the client. When a claim is filed, which lawyer the plaintiff is being represented by will have a substantial impact on what an insurance company does. They know which local lawyers will take cases to court and which ones will just settle as quickly as possible. Being represented by a lawyer who has a history of successful outcomes in similar cases can pose a serious threat to insurance companies, and they will be much more likely to cooperate.