Brazil State-Owned Banks Assist With Development – Igor Cornelsen Explains Their Role

How exactly do Brazilian state-owned development banks work? Americans might be well-versed on Fannie Mae and Freddie Mac, but wealth manager Igor Cornelsen can explain the role of BNDES and Caixa. Just like other development banks, these provide cheaper loans to low-income borrowers.

“What is the BNDES?”

The Brazil National Development Economic and Social Bank is government-owned, established in 1952. Its primary focus is on stimulating capital markets, equipment transactions and export financing. The BNDES had 2011 total assets of $334.7 billion.

The BNDES lends money at a lower rate, about 5.5%, which can be used to stimulate national productivity. The government has used this to move more citizens into the middle class. Learn more about Igor Cornelsen’s methods at ireport.cnn

“Caixa Role”

With its origins, extending back to 1861, the government-owned Caixa Federal Savings Bank is the fourth-largest Brazil financial institution by assets (at $630 billion for 2015). Caixa is present in most Brazil cities; it is #3 in terms of number of branches, with 85 million accounts. Caixa runs the primary Brazilian lotteries also.

BNDES and Caixa provided an estimated 55% of all Brazil loans in 2015; thus, they are very important to the economy. How will they fare after 2017 reforms? Visit about Igor Cornelsen

“Fueling Brazil’s Development”

As Brazil reforms its system in 2017, it must decide what to do with its government-owned banks. In many ways, these can be used to set the interest rates charged for the private sector market. The tremendous growth of Brazil has been based on helping create a stronger middle class. The future growth must also depend on this growing consumer class.

When you want to find the best investments in Brazil, then contact wealth manager Igor Cornelsen. He has worked in the Brazilian banking sector, so he can give you advice on the inner workings of each firm. Don’t make investing mistakes, trust the experts to provide guidance.

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Omar Boraie was able to help the city

Omar Boraie is the passionate father who was able to take New Brunswick, New Jersey out of the ashes and turn it into the amazing economic juggernaut that it is today. Omar Boraie spent decades instilling a vision of compassion into Boraie Development LLC. They dreamed of turning New Brunswick into an economic giant like the great successful cities in Europe. After four decades, Omar Boraie can confidently say that he achieved his goal.


According to NY Times, Boraie Development LLC has been donating immense funds to the city for years. Omar Boraie wanted to keep his giving a secret, but twisted some arms and got their hands on that information. They wrote an article and discussed how Omar Boraie gave the New Brunswick City Council $150 million do regrow the commercial and residential sectors. Omar Boraie made it clear that he did not want any of that money to come back to him. He wanted the profit to be used to start grants for kids looking to go to school in New Brunswick.


Sam Boraie discussed with the executives of Boraie Development LLC, and they developed three things needed to grow New Brunswick. The first area that needed attention was the family situation. Parents did not want to raise their children in New Brunswick. The second area that needed attention was the job situation. Current businesses were leaving, and no new businesses were opening up. Lastly, the middle-class had left.


Omar Boraie began several non-profits to make New Brunswick more welcoming to families. One of those non-profits was the State Theater. Every summer, the State Theater offers seven free movie nights to the community. They show family-friendly movies to give people quality time with each other. Check out Bloomberg for more info.


Omar Boraie then began looking at ways to lower the unemployment rate in the city. The first problem on his hands was that businesses were leaving. Omar Boraie caught wind that Johnson and Johnson was thinking of leaving town. If they did, then it was game over for New Brunswick. Omar sat down with the corporate office and was able to convince them that it would be very beneficial for them to stay.


Omar was then able to bring new jobs to the area by focusing on the middle-class professional. Omar built towers that focused on granting office spaces and condos that were upper class for middle-class prices. This cause professionals to flock to their city. You can search on Yahoo to know more.


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Ted Bauman: The Future Of Bitcoin

Bitcoins are becoming very popular in the recent times. People from all over the world have chosen to use this form of currency. Investors have decided to invest in Bitcoins too. Ted Bauman, a renowned financial expert, says that it is a huge problem. According to Ted Bauman, people using this form of money might soon experience substantial economic challenges. Bauman recently wrote an article about the worrying future of Bitcoin.

Bitcoin does not work like the other forms of currency in the modern times. If this does not change, the future will not look bright for the people who use Bitcoin to make their financial transactions. For instance, Ted Bauman says that it might not be possible for a simple transaction to go through until twenty minutes later. The people who will have the biggest problem are those who will be paying for transport so that they could go somewhere.

Bitcoins do not work like the ordinary credit card companies. The decentralized platform has not been able to perform numerous transactions at a go. People using Visa are safe because it can comfortably handle hundreds of thousands of activities in few seconds. Bitcoin, on the other hand, can efficiently complete several dozens. If there are many people using Bitcoin to do their transactions, they will have to wait until the other operations have gone through. The fact that the Bitcoin transactions need several minutes to process, it is a huge disadvantage to consumers. Things are getting better. In the past, some transactions would require almost an hour to process. Read more at about Ted Bauman

For Bitcoin to grow and become a great currency like the others, it must be able to work as fast. Consumers should be allowed to use this platform without being forced to wait for several minutes. If this problem is not solved, Ted Bauman says that the consumers will have tough time working with Bitcoin.

Ted Bauman is a respected finance expert who has a lot of expertise in investments. The businessman serves as an editor at the prestigious Bauman Letter. He is also an editor for Alpha Stock Alert. Bauman has worked with Banyan Hill Publishing for a while, and this is why he has earned the respect of so many people in the market. The expert helps people with knowledge on how to manage their investments and live a good life. Bauman went to some of the best schools in the country, and this is why he has done well.

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Roberto Santiago: Shifting Careers

Roberto Santiago is a Brazilian businessman and entrepreneur who is known for building the largest mall in the state of Paraiba. However, Roberto Santiago never intended to become an entrepreneur in the first place, as he was already contented in his writing career.


Born in the city of Joao Pessoa, Roberto Santiago have always wanted to do something that would make his hometown proud. The town of Joao Pessoa is frequented by tourists from all over the globe, because of its pristine beaches and historical sites. It is also the home of the easternmost point in the Americas, drawing curious people and adventurers alike. He has thought of creating a business that caters to the needs of the tourists like a restaurant or a souvenir shop, but he does not possess the courage to start the company that he conceived. Thinking that it is impossible for him to manage his own business, Roberto Santiago decided to focus on his writing stint instead.


Roberto Santiago has been working as a writer ever since he graduated from the school which he attended. He found his passion for writing after he drafted several articles and let his friends and family read them. They praised his style of writing, and he decided that he should make a living out of it. He applied in major Brazilian publications as a writer, and soon after, he was writing articles for the nation to see. He was enjoying his passion so much, that he already forgot doing business in his home city. With the introduction of the internet, Roberto Santiago’s works were seen by so many people around the world, and his following increased.


One day, as he was walking along the streets of Joao Pessoa, he noticed a vacant lot that was put on sale. The lot was big, and he thought of developing it. His dream of building a business for his city once again crossed his mind, and he decided to develop the land that he bought and turn it into a shopping mall. The construction of his shopping mall took two years to build, and it opened to the public in 1989. He named the mall as Manaira Shopping, and it became the new symbol of economic progress for his hometown. The mall stood at the heart of the city, and it has several amenities and facilities that the locals can use. The way of life for most people living in Joao Pessoa changed after the construction of the mall, and Manaira Shopping became a stopover for tourists visiting the city. Manaira Shopping has undergone several renovations and expansion, and today, it keeps on growing and becoming a self-sufficient mini-city at the heart of Joao Pessoa.



Dr. Sam Jejurikar: Changing Lives Through Plastic Surgery

Plastic surgery is one of the fasters growing medical procedure in the world today. If you keep up with the sector, you might know Dr. Sam Jejurikar. Dr. Jejurikar is a Dallas-based plastic surgeon, who has expertise in various types of cosmetic surgery. His main focus is on face, breast, and eye surgery. His main specialty is cosmetic surgery, and he can also perform it on other parts of the body.
Dr. Sam Jejurikar’s Educational Background and Medical Training
The reason why Dr. Jejurikar is sought after by many patients is because of his expertise, as well as his wealth experience in the field. He has also received extensive medical training in cosmetic surgery. He is an alumnus of the University of Michigan, where he earned his undergraduate degree. He is also a graduate of the University of Michigan Medical School, and he did his residency at the University of Michigan Medical Center. While doing his residency, he focused on plastic surgery. Dr. Jejurikar also chose aesthetic surgery as a subspecialty when working at the Manhattan Eye, Ear and Throat Hospital.
Career in Plastic Surgery

Sam Jejurikar is a respected plastic surgeon. He is passionate about helping his patients by using innovative medical technologies to achieve lasting results. One of the things which set him apart is his attention to detail. He understands the need to be meticulous in every surgery he performs, because any cosmetic surgery has long-lasting effects on one’s appearance. Whether it is a nose job or an aesthetic eye surgery, Dr. Jejurikar does not leave anything to chance.

When he is not working, Dr. Jejurikar loves to participate in community development projects. He also goes on missions in various parts of the world to provide medical care to the less fortunate in society.

NewsWatch TV Avanca’s Indiegogo Campaign Review

Only the best of new technology and trends are shown on NewsWatch TV, giving people insight to the latest and most effective systems out there. They feature some of the most impressive and trendsetting technologies that are released every day. Innovation and great design are just some of the things that NewsWatch TV focuses on. Their personal interviews and demonstrations encompass both mobile apps and new devices. Interviewers bring a fun and friendly appeal, getting company team members to show the products they love in a personalized way. Watchers are able to get a fun and individualized look at technology along with the inside scoop on the developers. The entertainment value of NewsWatch TV is an important way that they stand out from the rest.
One innovator, Avanca, launched a funding campaign for ‘Ockel Sirius B pocket PC’. After getting a personalized NewsWatch TV interview, their campaign received more funding than their original goals. There were significant advantages of working with NewsWatch TV. According to the CMO, they enjoyed working together and the way that their products’ message was communicated. The straightforward and fun approach helped Avanca get the visual appeal and facetime with consumers who believed in the technology and were interested in seeing it progress. Avanca’s CMO also noted the professionalism and high quality content that NewsWatch TV was able to create around their interview.
NewsWatch TV Reviews provides televised content as well as distribution around the country. From television to online media outlets, Avanca was able to get the exposure they needed to succeed in their crowdfunding campaign. It also helped create an understanding about their product and services for the future.

Bob Reina: It Is Time To Support One Another

Bob Reina is a former police officer, which means he has a unique set of skills unlike any other CEO or founder out there. He created and founded Talk Fusion all the way back in 2007. It might not seem like that long ago, but a lot has changed in that time in terms of technology and how people use it. People truly rely on it now, and they need it in order to survive and thrive. When they are using Talk Fusion’s video conferences for example, they are conferencing with people from all over the world and they are reaching a great number of people. That is the goal of any company. They don’t want to leave anyone out. They want everyone to know they are part of this and they can join the fun of someone’s company.


One of the greatest things to be read on the Internet is the story of how Bob Reina made a million dollar donation to the Tampa Bay Humane Society. This was said to have saved a number of animal lives and it helped the shelter during a really tough time. You can tell a lot by a person by how they treat animals. If they treat animals the right way and shower them with love, affection, and attention, it shows they have empathy and they care. Empathy and caring are two traits that helped Bob Reina as a police officer and they are now helping him as the CEO and founder of Talk Fusion. They also help him as a human being.


He is one of the greatest human beings to walk this earth and that is not hyperbole. When people are police officers, make huge donations, and start up companies like Talk Fusion; they have earned all of that praise and more. They have gone the extra mile and they have done the right thing. Bob Reina does the right thing each and every day of his life, and he never takes a single day off from that. He is not going to stop because he knows there is an animal or a person in need out there. Learn more:

Shiraz Bhogani Drives Quality Healthcare And Hospitality

Shiraz Boghani is a successful entrepreneur, an award-winning hotelier and business leader based in the UK. He is currently serving as the Joint Chairman of Sussex Healthcare, an innovative care and support network that operates multiple homes in the country. Additionally, he is the founder and chairman of the Splendid Hotels Group. The firm develops and manages exclusive hotels in the UK.

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He is responsible for the group’s growth strategy. He has a long history of pioneering innovations in the hospitality industry. Shiraz Boghani was among the first to introduce limited service hotels affiliated with popular chains in the industry. The group operates over twenty hotels including the Hilton London Bankside and Holiday Inn, Wembley among others. He also founded Sojourn Hotels and continues to serve as the chairman.

Under his leadership, Splendid Group continues to achieve unparalleled success. He has cultivated the support of global brands such as Hilton and IHG to deliver exclusive facilities that are quickly creating a name for themselves in the highly competitive hospitality sector. He also enjoys an excellent reputation with some of the largest capital groups in Europe. In 2016, Asia Business Awards recognized him as the Hotelier of the Year.

Similarly, he has guided Sussex Healthcare through futuristic strategies to achieve rapid growth. The group employs more than a thousand staff and operates more than twenty care homes for the elderly. For over thirty years, Sussex Healthcare has been providing relief to senior citizens with a diverse range of mental and physical conditions including learning disabilities and Alzheimer disease among others.

The care group promotes mobility and active lifestyles through innovative facilities. The independent care facilities feature cutting-edge health and wellness infrastructure. This includes gyms, professional kitchens and outdoor activities that ensure residents get the best possible care. Shiraz Boghani is uniquely positioned to lead the care center to greater heights in the future. Through focused leadership, he has grown the care network to gain prestigious accreditations such as ISO.

Similarly, the network is recognized by the Health Quality Service (HQS). HQS is a healthcare management organization that works with providers to consistently improve the quality of care. Shiraz Bhogani was born in Kenya. He immigrated to the UK where he trained as an accountant. He briefly worked for KPMG, the global professional consultancy firm.

He is affiliated with the Institute of Chartered Accounts. He has an extensive community development history. He donates both financial resources as well as time and energy into numerous community projects. He is associated with the Ismaili Community and the Aga Khan Development Network in Europe.

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Daniel Taub- A great diplomat and peace negotiator

Daniel Taub role as the ambassador of the state of Israel to the United Kingdom is definitely his greatest achievement. Appointment to such a high office does not come easy. It is a position where one must have first demonstrated willingness and capability to perform.

London is the center of Europe, so, as a diplomat in the United Kingdom, he had the responsibility of overseeing the performance of his state in the region as a whole. Daniel Taub who is an international lawyer was appointed to the office in 2011. He served for 4 years up to 2015.

Daniel Taub is renowned for his great input in trying to restore peace in the Middle East region., she has led various peace committees tasked with coming up with peace agreements. He represented Israel in peace negotiations with Palestine and Syria.

In the negotiations between Israeli and Palestine, he was the lead arbiter. Together with his counterpart from Palestine, they traveled to North Ireland to learn what had happened in the region for there to be stability.

This is a region that was faced with the same challenge that they were dealing with. Learn more about Daniel Taub:

They learned that the warring parties in the crisis had decided to come up with a long-term solution to the crisis. They decided to create a curriculum that would be taught to the children of the future generations. This is a curriculum that would contain truthful information about the cause of the crisis in the region. Read more: Daniel Taub | Wikipedia

The intention was to have everyone know where the truth was and thereby avoiding any chance of untrue information being propagated about the crisis.

Daniel Taub and his Palestine counterpart embraced this move and recommended that it be used in the Israeli-Palestine peace agreement deal.

After presenting it to the committee of expert’s leading the peace negotiations, it was approved and a curriculum was developed. It was to be taught in school in both countries. After two years, Palestine backtracked on the peace agreement and the curriculum was dropped.

Daniel Taub believes that peace in the Middle East can be realized if countries obeyed the peace agreements that have been passed. He talks of Israeli as one country which has tried as much as possible to remain loyal to the peace agreements.

He says there are a number of peace agreements that are still in existence between Israel and other nations. He talks of the agreements between Israeli and Egypt as one agreement that has been respected by the two parties.

Luiz Carlos Trabuco Cappi Moves Over To Chairman Of Bradesco

Throughout the history of Bradesco, one of the largest banks in Brazil, few people have been as influential on the overall philosophy and the day-to-day operations as Luiz Carlos Trabuco Cappi. As the 67 year old banker approaches the end of his reign as CEO, his transition to the role of chairman of the board marks the end of a prosperous era. Yet it is likely that the bank will continue, largely uninterrupted, on the course that Trabuco Cappi has set for it.

From teller to the tippy top

Luiz Carlos Trabuco first came to work for Bradesco in 1967. Fresh out of high school, the 18 year old needed a summer job to begin saving money for college. With big dreams but few clear goals, Trabuco Cappi was thrilled to be hired on by one of the major banks in his hometown of Marilia, Sao Paulo.

Over the next ten years, the ambitious young banker would prove himself a capable employee and a quick learner. He also demonstrated a natural affinity for management, a skill that earned him the attention of his superiors and a string on steady promotions. Throughout the 1970s, he was able to put himself through night school at one of the country’s most prestigious universities. By the end of the 1970s, he had attained both a bachelor’s degree in business administration as well as a master’s degree in social psychology. And he had done all this while still working up to 60 hours per week in a long line of management positions.

By 1984, Trabuco Cappi had one of the most impressive resumes of any non-executive in the firm. It was in that year that he was tapped for his first executive role, heading up the firm’s marketing and public relations department.

There, he was able to put his vast knowledge of both psychology and the global banking industry to solid use. He quickly began to overhaul the way in which the PR department operated. Trabuco Cappi quickly moved to establish solid relationships with local media personalities in all of the markets in which Bradesco operated. This proved fruitful. By the end of the 1980s, Bradesco was acquiring new customers at rates it had never before experienced and its marketing efforts were largely considered to be a success.


Then, in 1992, he was tapped to head up the company’s financial planning division. The unit had been struggling to turn a profit ever since its inception in the late 1980s. Trabuco Cappi began making immediately making changes to the division’s model of operations, implementing a new strategy that was closer to what the successful banks of North America were doing at the time.

Trabuco Cappi decided to create a tiered banking model, with Bradesco’s best customers getting the highest level of service. Prior to his running the division, Bradesco had a one-size-fits-all model of banking, with every customer receiving similar levels of service, no matter their importance to the company.

But Trabuco Cappi created a product known as Bradesco Prime. His idea was to go after the high-net-worth-client market with direct and aggressive marketing and a tailored service that would keep the most lucrative customers coming back. Bradesco Prime allowed the most important clients of the bank 24/7 access to personal bankers. It also included certain perks that included such things as complimentary stays at five-star hotels and first-class airfare.

The strategy of specifically targeting high-net-worth clients proved to be enormously successful. Bradesco soon had the market all but cornered, and the bank was flooded with massive amounts of new capital.

As Trabuco Cappi takes over the board of directors, such successes as these are all but certain to continue.

Learn more about Luiz Carlos Trabuco Cappi:á-presidência-do-conselho-do-Bradesco.htm