BMG Bank’s Director Believes Brazil’s Economy Will Bounce Back Quickly

Brazil is a country filled with incredible natural resources and ethnic diversity. Brazil is a peace loving nation that tries to remain neutral when it comes to political and religious conflicts, but the country is battling the war of its life this year. Brazil has been hit with a perfect storm, and the country is trying to right itself in the wake of political turmoil and economic disaster. The banks in Brazil have stopped lending money unless loans are 100 percent collateralized and the terms suit the banks. But one bank believes the internal financial and political war will be a short one because Brazil has fought this kind of war before.
Marcio Alaor, the Director and Vice President of BMG Bank of Minas Gerais, thinks Brazil will get its act together in 2016, and he is trying to help that process along by offering consignment loans to middle-class Brazilians that need money for cars, homes and necessities. BMG Bank has a product they call payroll loans, and it is a huge success. Middle-class Brazilians can borrow money and us their income as collateral. The bank works out terms that suit the bank and the borrower, and the bank offers the borrower an interest rate is lower than the standard rate.
Mr. Alaor thinks the economy must be stimulated in order for it to recover. One way of doing that is to put more money in the hands of consumers. Alaor thinks the government should cut taxes, so workers have more money to spend. He also thinks the country must find a way to increase exports. BMG Bank believes now is the time to do those things because the Real is so undervalued this year. BMG Bank wants to give consumers more money to spend while the government works on a plan that will curb inflation. The government has its own set of credibility issues to deal with, so inflation may continue to eat disposable income next year.
If BMG is successful increasing the number of payroll loans it executes this year and next that will help the economic situation. Other banks are following BMG Bank’s lead in the consignment credit market. Executing more loans is not the complete answer to Brazil’s challenges. The political situation must be resolved, and BMG Bank sees some progress in that regard. If Brazilians can regain the faith they had in the political system that will be a major step in the recovery, according to Alaor.

Career Coaching With Real Estate Mavericks.

Corporates try to reap the benefits of having a productive team around the workplace. It all starts with a robust and facilitative corporate culture. A culture that recognizes hires and nurtures talent. This culture is at best inculcated by training and coaching career employees. Human resource development strategies acknowledge the impact of coaching and mentorship.


Mentorship includes the use of specialized instruments devoted to a chosen group of laborers. These professionals operate under the tutelage of other experienced professionals from the same firm. In the real estate sector, companies have acknowledged the importance of nurturing talent.


Indeed, the industry proves challenging for new entrants. Having a mentor permits the newcomers to discover their place, pick up and work on their qualities. The mentor has numerous years of mastery and information of the business. They prepare officers to specialize in fields they feel adequately versed. The specialists distinguish and concentrate on particular sectors. Specialization brings about efficiency and productivity within the workforce.


Mentorship adds to the development of the guide, also, the mentee. The real estate agents learn in groups of twelve individuals. The guide decides the preparation technique and learning the process. As time precedes, intense obligations of cooperation and correspondence become pronounced between the trainees. The coordinated effort has been seen to help critical thinking an achievement of real estate agents.


The mentor-mentee program brings out the best in everybody. In the process, good rivalries within the trainees lead to more business and higher quality of the workforce. Under the mentorship program, the specialists figure out how to set targets and methodologies of understanding client objectives. The mentees gain values of teamwork, collaboration essential in the field.


Their levels proficiency and expertise improve with every business transaction. As a realtor, mentorship gives a stage to take your experience further. It’s the excellent chance to support the development of other talents and bestow learning. By mentoring your skills also sharpen therefore gaining clout within the industry.


One of the best mentorship programs in the business right now is the Real Estate Mavericks platform. They encourage the development of highly qualified Realtors in American. Under the great wings of experts like Greg, aspiring professionals get to listen to lectures from the best minds in the industry.


On this stage, coaches like Greg have added to the accomplishment of more than 10,000 real estate agents. Such experienced achievers receive special admiration from all around. Through this thinkers program, young professionals from around the nation receive the rare opportunity to learn in the presence of legends.


In gatherings of about seventy, the newcomers get inspiration from visitor speakers. This project has given the premise to other land organizations to take action accordingly. It goes about as a school where promising real estate agents can hone and clean their aptitudes for better risks of progress. The challenge now turns to the younger generation of industry professionals to take up their rightful place and take the industry to the next level.

Five companies come together to purchase Tycoon real estate, a crowdfunding business

Real estate companies need to pull resource together to succeed. That is why five real estate crowdfunding platforms announced the coming together and acquisition of Tycoon Real Estate in California. The five crowdfunding platforms plan to revamp the new acquisition.

Tycoon Real Estate became the first ever purchase of a real estate crowdfunding company acquired by CrowdFranchise, EquityRoots, Peer Realty, Patch of Land and Homeowner Preservation companies dealing in different portfolios. American Homeowner Preservation purchases nonperforming mortgages. Patch of Land is a leading alternative solution financier that brings lenders and borrows together online. PeerReality is a premier realtor crowdfunding platform that helps people gain diversification. Equity Roots is dedicated to branded hotel assets. CrowdFranchise is another platform allowing communities to make investments and manage franchise companies that succeed in their areas. Today, Tycoon Real Estate deals in real estate crowdfunding and has developed the commercial and residential property. It came to international attention from the Shark tank episode appearance.

Patch of Land CEO Jason Fritton says there is an increased awareness for real estate crowdfunding. This has risen because of the Shark Tank appearance of Tycoon Real Estate. The appearance, though not that successful, created a chance to know about the regulations in the crowdfunding platforms and the manner in which firms have leveraged SEC regulations and JOBS Act, which funds a large chunk of money in the property market.

The coming together and buying the Tycoon Real Estate presented a chance to transform the Company’s portal for educational purpose, and prove why the Sharks judges went wrong. CrowdFranchise CEO says that the acquisition of Tycoon Real Estate has created a buzz, with the timely approval of their Title III, good for investors to put their money. The approval of Title III by the SEC was completed on October 30th, presenting an opening for people to crowdfund.

Coming together by the five crowdfunding companies to acquire Tycoon Real Estate brings a sense of community. EquityRoots dealflow organizer; Bhavik Dani says the company is happy to work with others sharing a common vision. Dani says allowing people to log into the internet to choose local investment in the franchise business, property and hotels are a real progress.

Know about Majeed Ekbal

Investment is one of the profitable ventures and people have made a name out of it. Majeed Ekbal of Chicago Illinois holds the position of an independent senior marketing executive. Ekbal has previously worked at Draftfcb, Avenue Razorfish and other firms. He studied at American University.

Ekbal has 15 years experience in New Business Developments and Marketing, well known for developing global marketing campaigns and taking charge of new business initiatives. Ekbal specializes in digital marketing, partner development, branding and managing the budget. Ekbal has experience in brand awareness, planning and execution, experimental marketing, social media, digital and SEO analytics and many more. Ekbal also helps in humanitarian projects locally and internationally to create better ways for women and children who are neglected in empowerment and education.

Highland Capital: A Recognized Leader in Global Financing

A recent online article by The Charlotte Observer offered readers some of the highlights of Highland Capital Management and its co-founder, James Dondero. Over twenty years ago, Jim partnered with Mark Okada and launched Highland Capital Management. They wanted a company that could specialize in diversifying bank loans into secured portfolios, says the article. The Highland Capital team now manages billions of dollars in assests for things such as mutual funds, trusts, equity funds, and other varieties of investments.

Highland Capital is considered one of the top American leaders of alternative credit managing, reports the article. The company has won several coveted awards and has been lauded in many financial publications. Recently, Highland Capital won the 2015 HFM US Hedge Fund Performance Award. The company also hired Terry Jones, a top financial analyst who has been consulting with them for a few months. Jones has years of experience in the financing and investment sectors. Dondero and his executive team have expressed their faith in Jones’ ability to take the company to a higher level of expertise.

According to the article, Jim Dondero graduated from the University of Virginia with highest honors with degrees in Accounting and Financing. After graduation, he earned certification as a Certified Public Accountant, Chartered Financial Analyst, and a Certified Management Accountant. In the early 1980’s, Dondero worked for American Express as a Portfolio Manager and a Corporate Bond Analyst. He was instrumental in the creation Protective Life’s subsidiary, GIC. Not only is he a founding board member of Highland Capital, but he also sits on the executive boards of MGM studios, NexBank, and American Banknote, says the article.

Jim Dondero has always been a believer in giving back to the community and has done so on several occasions. He has been involved in several charitable activities that involve children, education, and medical research. Jim has also contributed to special causes such as Reserve Aid and Juvenile Diabetes Research Foundation. He continues to lead Highland Capital toward more innovations that benefit their global clients. Highland Capital has its main office in Dallas, TX and has branch offices in New York City, Seoul, Singapore, and Sao Paulo.

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Marcio Alaor Food Court Inauguration

Marcio Araujo Alaor, the BMG bank manager, was highly recognized during the 33rd Agricultural Exhibition in Santo Antonio do Monte, from 21 to 24 August 2014. The food court “MARCIO ALAOR DE ARAUJO” was named after him. He was acknowledged for providing services to the San Antonia community by having his name on the square. A plate was also made, praising his greatness and explaining everyone’s affection and gratitude for all he had performed.
During the inauguration, local officials were present to monitor the event. The local authorities also raised the advantages of having the support of one of the biggest executives in Brazil. They also showed how Marcio Alaor had been true to his roots and had not forgotten his hometown even after being a president of a big bank like BMG. Even with the poor agriculture, Marcio Alaor had opened numerous doors and showed that Santo Antonia do Monte could achieve greater things. The politicians praised every good thing done by Marcio Alaor for the good of the city.
During the Inauguration, Mr. Luis Antonio Resende was not left out and thanked Marcio Alaor for working in the Exhibition Centre. Luis Antonio expressed his gratitude on the behalf of the people on the countryside and did not forget the personality of Marcio Alaor and how he did not neglect his city’s problems. The President of Rural Union, Vilmar Octavian, recognized Marcio Alaor for his services to the local company. Vilmar Octavian concluded by highlighting how the support of the executive was fundamental to the union to continue helping farmers in Santo Antonio do Monte. The Mayor, Wilmar Son, also emphasized that Marcio Alaor had transformed what used to be a warehouse for storing grains into an important food court. The food court represented the creation of a place that would be a motivation for many citizens. The major recalled the humble childhood of Marcio Alaor when he worked as a shoe shiner and the way he grew up to help his city.
Finally, it was time for BMG vice president to take the floor. Marcio Araujo Alaor emphasized mostly on his past. He told a short history of himself when he used to work as a shoeshine boy and thanked the people who helped him in his life. He said that valuing friendship is crucial because it helps you to value your essence and not to lose it. Apart from the financial considerations he is also concerned about the efforts of others in his life. He thanked his family and said he was honored to receive the tribute while he was still alive. Marcio did not forget to say how much he loves Santo Antonio do Monte, and he promised never to lose contact with the city and he would help the city in all the ways.

Brian Bonar, A Mechanical Engineer Turned Businessman

Brian Bonar’s education and early career did not hint of a future career in business. Mr. Bonar graduated from James Watt Technical College in his native United Kingdom with a bachelors degree in mechanical engineering. Fresh out of college, Brian found a job at US technology company IBM and worked for their UK division, IBM UK Ltd. He worked as a procurement manger at IBM’s United Kingdom division for a period of 17 years. As procurement manager Brian Bonar was in charge of purchasing motherboards for IBM’s personal computers. While working for IBM UK Ltd. Brian also studied at Staffordshire University where he completed a masters of mechanical engineering program.

After his long stint with IBM UK Ltd. Mr. Bonar went on to work for QMS Inc. as the director of engineering. Bonar used his mechanical engineering education and extensive experience at technology and software company IBM to manage and oversee the work of more than a hundred software and development engineers and programmers at QMS Inc. After serving as engineering director for over four years Bonar went on to work for Rastek Corporation. It was here he started his first real business experience. At Rastek he was VP of sales and marketing who oversaw global sales of printing technologies developed by Rastek. After serving as VP at Rastek Brian Bonar would part ways and come to Adeptec and work as a sales manager. At Adeptec Mr. Bonar used his great knowledge on both the design, procurement and sales of laser printers to foster company relationships with major laser printer manufacturers in Asia.

At Restek and Adeptec Mr. Bonar gained vital business experience that he used to create his own company called Bezier Systems in 1994. At Bezier Brian Bonar used his experience in developing laser printers to launch his very own printer that was the first to be SCSI based. After only a year Brain left the company that he had founded and went back to work as a VP of sales and marketing at Itec Imaging Technologies. At Itec, Brain was responsible for developing sales and marketing strategies for the company’s laser printers.

Brian would eventually leave Itec to start his second company called AMS Outsourcing. Building on his experience as a procurement manger, sales and marketing VP and engineer Mr. Bonar founded a company that would not only outsource products, but also services and provide staffing to small and medium sized businesses. After founding AMS Outsourcing Brain also went on to work for Allegiant where he became president and guided the sales, marketing and insurance departments of the company. He would work for almost three years as president of Allegient Professional Services before going to Trucept and Dalrada Financial Services where is CEO of both companies now.

Some of the Most Important Parts of Pet Care

Every pet owner wants to provide the best possible life for their furry friends. It’s not at all unusual for pet owners to put more work into providing for their pets than they do for themselves. Part of this, of course, is simply due to compassion and love. But there’s also the unfortunate fact that pets can’t actually ask for the things they’d like or need. Instead pet owners are often left constantly striving to figure out what the best way to provide for their pet might be.

Dogs, in particular, require a lot of special attention due to how their relate to people. Most dog owners have noticed that their pets will put a huge amount of work into cheering them up. Dog owners want to make their dogs happy, and dogs feel the same way in return. But this can pose some issues when it comes to figuring out what a dog actually wants. This is especially true with meal time. To a dog, meals are his or her owners doing their best to provide. For all a dog knows the owners are going out every day to hunt, gather and prepare their meals with Beneful. A dog wants to show that he appreciates the food. And as such they’ll typically put up with some very unsatisfying meals in order to make their owners feel appreciated. But all it takes is a look at a dog’s reaction to “human food” to see how much they’d rather be having something else.

This is also one of the main points that people often forget about pet care on Taking care of pets means taking responsibility and care for every aspect of their life. This means ensuring that they’re not only physically healthy, but psychologically healthy as well. And this is often a difficult thing to do. Once again, a lot comes down to food. When a dog gazes with longing at his owner’s meal it’s quite obvious he’d love to be eating the same thing. But at the same time a dog owner knows that doing so would probably make the dog sick. Even if that one meal didn’t do it, a dog living on meals intended for humans would eventually suffer a wide range of health issues.

There is a way to ensure that meals are a happy experience for dogs. The biggest factor is recognition that dogs aren’t necessarily interested in human meals. What dogs are most interested in is meals with natural tastes, smells and textures. The ideal meal for a dog is all of the tastes dogs enjoy. But they want those tastes to come from real food instead of artificial flavors.

That’s why dog food preparations such as those made by Beneful are so important to proper pet care. Beneful is one of the few dog food companies which is really devoted to creating foods with natural ingredients. If one buys a chicken flavored item, for example, that flavor is coming from actual chicken. This takes care of two very important aspects of pet care. First, it ensures that one’s pet is receiving all of the important nutrients which should be in his diet. But it’s also ensuring that he’ll be happy and enjoy each and every meal.

A Detailed Explanation Of The Consigned Credit Market Of BMG As Viewed By Ricardo Guimaraes

Ricardo Guimaraes has a huge experience within the Brazilian financial sector. He began working for the bank in 1980. Over the years, he rose through the ranks to becoming its president and chief executive officer in 2004. He served as the financial executive officer before serving as the vice president and chief executive officer for the bank’s board of chief executive officers. His long career within the BMG bank puts him in a unique position in terms of understanding the bank’s operations and objectives of the bank in both the long term and short term.
Recently, Ricardo Guimaraes elaborated much on BMG bank’s strategy when it comes to consigned credit. He explained and gave reasons to why BMG bank is performing well with its consigned credit. According to him, the growth of BMG bank has been due to the expansion of the economy in Brazil and the vast Brazilian population. He also points out on the rise in the exploratory percentage to 47% in relation to the GDP. This amount stood at 22% in 2004. The consigned credit market of BMG Bank was worth $6 billion. This translates to a 22% share of the personal credit in relation to the entire credit market.
There has been continuous improvement in the consigned credit market of BMG bank. For instance, by 2010, BMG bank had a $14.5 billion worth of consigned credit business. In 2004, the business was worth $2.4 billion. Additionally, in 2010, the entire consigned credit market in Brazil was worth $85 billion. Within the banking system, this figure accounts for 60% in terms of personal credit indicating a significant growth in the consigned credit market. The bank has also had a yearly return on equity of 25% since 2004. For BMG bank, the growth can be attributed to the hard work as well as commitment from the competent and qualified staff of BMG bank.
Ricardo Guimaraes notes that there is room for expansion on the consigned credit market because only 50% has been exploited. As much as BMG bank competes with nearly 60 banks in the credit market, it stills serves as the market leader within the country because of its cheap rates. BMG runs the largest distribution network in Brazil that consists of 50,000 agents in addition to 3,000 selling points available in every municipality. This network enables BMG bank to serve its 5 million customers effectively.

The QNet International Company

QNet is a well known company based in Hong Kong and sells different types of products inclusive of nutritional products, energy products, home care, latest accessories, personal care, luxurious goods plus many others. The company belongs to a very prominent group called QI. Vijay Eswaran is the person behind the founding of this company.

Its website is the best platform for marketing and selling products in the market and creating awareness of the same products all over the world. It is still Eswaran who is responsible for motivating individuals and companies that sell Q net products and holding different sessions everywhere.

QNet is a fabulous company with a model designed in a way that many people benefit both directly and indirectly. Many of these individuals get great business tricks and self employment chances. This is pretty good, especially for the less fortunate as far as employment is concerned as they can easily earn a living.

This company involves itself in selling products directly and multi-level marketing. Representatives in this case market the products as they refer to consumer and other different clients to the products as they sell them. These representatives are always independent. They are hence compensated with relation to what they sell and the number of customers they refer to the website or the products.

Q Net has offices all over the world. When you are in countries like the Philippines, Vietnam, India, Thailand, Indonesia, Turkey and Indonesia, Arab Emirates just to mention a few, you will probably find these offices and get the services that you require. Due to this widespread, the Q Net company is very famous as it can be heard from everywhere by various groups of people who, in the long run become clients and make the company grow a great deal.

The Q Net model is described as a simple but successful pyramid scheme which caters for the financial needs of its members from the time they give in their money up to the time they need it together with their compensations and shares. Unlike other pyramid schemes, Q net sticks to its morals and principles in order to make its members maintain trust and good will.

The Q net company in Malaysia is really working hard to improve its strategies. It’s planning to improve this by making India its hub in manufacturing hence move its production to the country. Products like watches are currently being produced in India. Besides that, energy drinks are also being produced in the same country. Spreading their investments in different places is a good way of venturing into business as they will test different markets and will be able to get good results through comparison.

New Investor, Fidelity Management, leads Handy in Raising $50 Million

In an industry that has witnessed companies consolidating and others collapsing, Handy, a home cleaning services company seems to be thriving. Recently, Handy announced that it had raised $50 million in new funding. The aim of the fund is to facilitate Handy’s continued expansion of its business in the areas that it operates especially the United States and London.

Fidelity Management, a new investor, led in the Series C round of funding. Existing investors like TPG Growth, Highland Capital, General Catalyst and Revolution Growth also participated in the funds drive. This brings the total investment in Handy to over $111 million.

From its launch in 2012 to June 2015, Handy had completed over 1 million bookings through its platform. According to Oisin Hanrahan the CEO and co founder, Handy has 10,000 registered professionals with a hundreds of thousands clients. It also books 100,000 jobs per month. The main objective of the firm is to offer a better experience for the customers. Additionally, the goal is to expand beyond the cleaning services that presently represent approximately 80% of the Handy jobs.

To some extent, the new round of funding may have come as a surprise although it was expected. According to a report released in July, Handy was in talks to acquire competitor, Homejoy. It also reported of a strategic investor albeit none was named from the current round.

The current on-demand services ranging from food delivery to transportation among others is a big business given that consumers are transacting using their smart phones. Investors are rushing in to capitalize on the opportunities experienced in the sector. Companies like Airbnb and Uber have demonstrated that success is a matter of scale. Handy seems to have considered this proposition. However, Handy knows that it is a challenging task considering the position that it will hold when big players such as Amazon are put in the picture. This is the reason why Handy wants to improve the services that it offers to a smaller market before it expands its operations.

Handy is a home cleaning services company that was established in 2012 by Oisin Hanrahan and Umang Dua. It offers its services through an App where clients can order for cleaning services and a fun twitter account full of #HandyFacts. Handy’s cleaning professionals are vetted to ensure that they are faithful.