With Trabuco As Chairman, Will Bradesco Become A Banking Monopoly?

Throughout the history of Latin America, the monopoly has played a central, in not entirely wholesome, role. But while even the most ruthless robber baron monopolists of the 19th century could make plausible arguments as to why their businesses were a public good as constituted, the truth is that many monopolies of Latin America have demonstrably made the lives of the average citizen better. Companies like International Telephone and Telegraph, the United Fruit Company and Telmex, while having a stranglehold on their respective markets, brought first-world infrastructure to otherwise backwards and hopelessly primitive societies. Whereas there is little question that the railroads of North America would have eventually stretched from coast to coast and perfused much of the interior, with or without the likes of Stephen J Gould or the Vanderbilt clan, there is a serious case to be made that, without the likes of Telmex, there would simply be no telecommunications at all in the rural parts of Mexico, areas that are often still under the control of Amerindian warlords, such as Comandante Marcos.

Brazil may get a banking monopoly

This leads us directly to the case of Grupo Bradesco, the largest banking conglomerate in Brazil. Its leader for the last decade has been a man named Luiz Carlos Trabuco. Trabuco is an inveterate and sophisticated banker, holding advanced degrees from one of the top schools in Brazil. He has also made it abundantly clear, through deeds, if not words, that his vision for Bradesco is to have it become the undisputed hegemon in the Brazilian banking space. In short, everything Trabuco has ever done in his career indicates that he has every intention of crushing all competition into oblivion and establishing a Brazilian banking monopoly.

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Whether or not this would ultimately be good for Brazil is a matter of debate, with both sides being able to make reasonable points. What is not in dispute is that Trabuco is well on his way to establishing Bradesco as the unquestioned dominant player in Brazilian banking. With the acquisition of HSBC Brazil in 2015, the $5.2 billion cash deal rocketed Bradesco back to the number-one spot in the Brazilian banking sector, a spot that the bank had not held since 2009. Since 2015, the bank’s stock price, long in decline, has soared, indicating that investors are extremely pleased with the strategy that Trabuco has followed. The bank has continued to attack its competition, especially arch rival Itau Unibanco, in all its markets. It is now in a position where it can easily leverage its economies of scale to crush its competitors, pricing them out of the market and undercutting them at every turn.

Although some may argue that a Bradesco that utterly annihilates its competitors, leaving it as the last bank standing, would be a net negative for the country, it is worth remembering that Brazil is still a quintessentially Latin American country. One feature of this Latin American-ness is the fact that the country still has a large number of citizens who are not able to connect online or even operate a computer.

In Bradesco’s own internal studies, it was revealed that approximately 13 million of the bank’s 27 million customers had no access, whatsoever, to internet banking facilities. The bank itself has undergone a campaign to bring both financial and technological literacy to its customers. There has even been talk of the bank providing all of its underprivileged customers with mobile devices, such as Androids or iPhones, in order to allow them to access the much more efficient internet banking options that the bank has on offer.

Learn more about Luiz Carlos Trabuco: https://www.terra.com.br/economia/trabuco-assumira-presidencia-do-conselho-do-bradesco-banco-nomeara-novo-chefe-executivo-em-marco,9fb1d7fe927d7f26678a7543f82f02edw3u6oihm.html

The Financial Investment Prowess of Igor Conelsen

Igor Cornelsen is a retired banker and investor who has spent most of his career in Brazil, his native country. Down in Brazil, Igor Cornelsen manages the nation’s largest financial institutions.

When he is not working, Igor loves to play golf, which is his other passion. Currently, Cornelsen is working with the Bainbridge Group helping it to make investments in the stock market and well as making investments in commodity and foreign exchange. These are some of the areas that Igor is experienced in.

Cornelsen likes to spend most of his time in South Florida, which is a perfect spot for him to play golf. He dabbles in the investment markets occasionally. His experience derived from working in financial institutions and has seen him work as a consultant for the banking industry ad Investing.

Cornelsens Accomplishments

Making investments in foreign exchange and commodities is a dream for many people. The expertise that Igor possesses will provide a guide towards this path. He has established Bainbridge Agency to help with the moves that stock market avails. Being a renowned investment banker in Brazil, Igor Conelsen has helped in the management of financial institutions around the world.

Through Bainbridge Agency, he has provided professional advice and insights in matters pertaining to investments. Igor opines that time is an important factor in business, and the earlier you start, the better.

He says the worst thing an investor will do is to never plan for retirement. This has been as a result of poor advice and this trend, he argues, must change.

Investments are long-term undertakings. Cornelsen has made investments that will last a lifetime. One ought to invest in a career, something that you will do for the most of your life. This will assist you in making handsome and legitimate returns.

The stock market, for instance, offers you an opportunity to make intelligent investments, and the returns will come down the line. Igor Cornelsen prioritizes on his clients in planning and having the best interest of the client at heart. He has a large following of people who are interested in his financial counsel.

Learn more about Igor Cornelson:

5 Ways To Make Your Business Healthier: Investment Advisor Igor Cornelsen Gives His Insight

 

Lacey & Larkin: Fighting for Rights

Usually, when people sue the government, they keep the money for themselves. That can cast doubt on whatever cause they proclaimed to be fighting for. But for Michael Lacey and Jim Larkin, their settlement went to numerous pro-migrant rights organizations. Since then, the two reporters have become spokespersons for their organization: Phoenix New Times and Village Voice Media.

Nearly a decade ago, the two reporters were arrested in the middle of the night by Sheriff Joe Arpaio. The two were writing a story about Sheriff Arpaio that he did not want people reading.

The most shocking part about this case is how far Sheriff Arpaio’s determination went to stop Lacey and Larkin. According to their story, Sheriff Arpaio filed numerous subpoenas requesting that New Times not only turn over any and all notes concerning Arpaio but also that they turn over the identities of anyone who read online stories about the lawman.

Sheriff Arpaio’s behavior, in this case, is beyond shocking. Never has a lawman attacked the First Amendment to such a degree. Luckily, Lacey and Larkin prevailed in their suit against the country, earning them a $3.75 million settlement, which they donated to numerous pro-migrant rights and freedom of speech and civic participation organizations in Arizona. They also founded the Lacey & Larkin Frontera Fund. Read more: Jim Larkin | Angel.co

Getting arrested probably isn’t something that surprised Mike Lacey. It wasn’t the first time he’d been in trouble with the law because of his courage to challenge the majority. Though he didn’t finish college, by the 70s, he’d already written a paper about the media’s conservative viewpoints about a campus antiwar protest.

When he started with that first paper, he never thought he’d be running a multimillion-dollar media conglomerate. He’s just a construction worker’s son from Newark, NJ. Now, he’s the leader of 17 like-minded publications across the country.

Jim Larkin is a lot like Lacey except he’s a Phoenix native. The two met at Arizona State, but neither finished. They immediately began focusing on their careers leading New Times to greatest journalistic heights. Eventually, they formed a huge media conglomerate known as Village Voice Media. Read more: Michael Lacey | Twitter

After their arrest in 2007, the two began thinking about the end game. In 2012, they sold VVM to some hungry young people and now spend their time working with charitable foundations and contributing to causes when they can.

The Madison County Courier Finds Lawyers Like Jeremy Goldstein

If you are a New Yorker looking for an attorney, look no further than the Lawyer Referral and Information Services through The New York State Bar. There is new portal online where you can search for any lawyer you might need. Available 24 hours a day at https://nysbalris.legal.io or people can use a phone service which has been available for quite some time.

 

People who are looking for attorneys many times are doing so in times when they are under stress, so this method helps to create a non-stressful way to find a lawyer. All of the lawyers who are listed are in good standing with the New York Bar and have all been screened.

 

For example, one lawyer who is listed is Jeremy L. Goldstein who is a partner at Jeremy L. Goldstein & Associates, LLC. His firm is a boutique law firm that specializes in advising CEOs, management teams, governance matters of corporate situations, and executive compensation.

 

Mr. Goldstein is the chair of the Mergers & Acquisition Subcommittee of the Executive Compensation of the Business Section of the American Bar Association. He has been involved over the past ten years in some of the largest corporate transactions in this area such as the acquisition of Goodrich by United Technologies and many other similar transactions.

 

Mr. Goldstein is very active in other legal and civic affairs such as his current duties as his frequent speaking engagements regarding corporate governance and executive compensation matters. He is also a member of the New Leadership Council of Make-A-Wish Foundation of Metro New York and is on the Board of Directors of Fountain House.

 

The New York State Bar Association currently has 72,000 members and is the largest state bar association that is voluntary in the nation, and it was founded in 1876.

 

Follow Jeremy Goldstein on Facebook.

Every man and woman deserves civil, human and migrant rights

In October 18, 2007, Michael Lacey and Jim Larkin were taken by police officers from their homes in the middle of the night. They were then jailed without proper cause for revealing grand jury proceedings which sought after reporters’ scribbled notes that covered the Sherriff of Arizona.

Both Lacey and Larkin are professional journalists, they are co-founders of the Phoenix New Times and Village Voice Media.

After Lacey and Larkin were arraigned in court, the grand jury went to the extreme and demanded identities of the citizens who had read the New Times article online, that was on the Maricopa Counry Sheriff Joe Arpaio. This absurd orders led to Lacey and Larkin suing the county of Arizona, regardless of how they had spent their careers defending and asserting their rights to the First Amendment.

They later worn the case and received $3.75 million in settlement. The two journalists shocked many when they used all the proceeds from the settlement to start the Lacey and Larkin Frontera Fund.

The country of America has been at the forefront of championing of human rights. This is because, human rights form a basis upon which the country was founded on. Regardless of this, Lacey and Larking are proof of the government been able to abuse its powers and deny individuals their legal rights and due process.

The Lacey and Larkin Frontera Fund is an organization that strongly advocates for the civil, human, and migrant rights, given that everyone is at risk of been denied their rights. For people living in countries that are prone to terrorist organizations and dictatorship governments, human rights are disrespected on unprecedented levels.

Millions of people tend to lose their lives, families, money, and all that they have worked for. It is the human rights organizations that fight day and night for people to be able to revive their lost belongings and at least have access to basic life amenities that they need to survive.

Another organization that fights for the rights of discriminated individuals is the American Immigration Lawyers Association, AILA. AILA is an organization that was formed on 1946, which comprises of 13,000 attorneys and law professors who dedicate their lives to teaching the law of immigration. Read more: Jim Larkin | Crunchbase and Michael Larcey | Crunchbase

These attorneys are tasked with representing many American families that would like to pursue permanent residence status for their family members.

Apart from individuals, the attorneys also represent American businesses that are in dire need of expertise from other countries to join them. AILA also view students, athletes, people seeking asylum, and foreign entertainers as matters of public interest and represent them.

Apart from fighting for the rights of persons, AILA is also a non-partisan and non-profit organization that offers educational and professional expertise for needed information. Learn more about Jim Larkin and Michael Lacey: http://www.azcentral.com/story/news/politics/immigration/2014/12/16/proceeds-arpaio-suit-fund-asu-journalism-chair/20480479/

AILA is able to offer these services through using their 38 chapters as well as their over 50 national committees. Before adopting the name AILA, they used to be called the Association of Immigration and Nationality Lawyers, AINL with a total of 600 members.

They then changed their name to AILA in 1982 and set up their headquarters in Washington, D.C. By 2012, AILA had increased their members to over 12,000. This great improvement is testimony that human rights require respect and the right to proper living.

Learn more about Jim Larkin and Michael Lacey:

About Lacey and Larkin Frontera Fund

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The Pivotal Role of Vijay Aswaran in QI Group

Background Information about Vijay Aswaran

Aswaran’s birth was in 1960 in Penang. His father was a worker in the ministry of Labor, and his mother was a teacher. Because of the nature of the jobs of the family, Aswaran’s family would move from place to place in his early years. Notably, despite the movements, his academic life was not affected much since Vijay was a focused young man.

In 1984, he graduated from London school of economics with a degree in socioeconomic studies. Although he was a graduate, he was unable to secure a decent job in Europe and was thus forced to pick odd jobs for sustenance while in Europe. Such jobs were as odd as picking grapes, driving cabs, and working in construction sites among others.

The best thing about Eswaran was his attitude and optimism that saw him endure through such challenges with a hope of a better future. Which through dedication and hard work he was able to realize.

It is while in Europe that he pursued a course in Multi-level Marketing that would change the course of his life and career following his acquisition of that qualification from CIMA in London.

Vijay incredible impact in QI Group

According to Entreprenuer, Vijay Eswaran did not stay in Europe for as he went back to Asia in 1998, where with other partners, they co-founded the QI Group. The skills he gained in the course of multi-level marketing was very fundamental in the growth and expansion of the organization.

Vijay Eswaran has played a central part by being an asset to QI group. His skills, knowledge, training and exposure as it relates to marketing saw QI become what it is today.

Currently, QI group is an e-commerce based business platform which deals with travels, media, luxury, corporate investment, wellness among other. The regional offices of the QI group are in Malaysia, Thailand, Singapore and Hong Kong where subsidiary businesses of the group take place.

Vijay has been influential in the financial growth of the company. In 2016, the revenue of QI Group was estimated to be $750 million.

Additionally, Vijay is a man who lives a balanced life that he has participated in humanitarian activities. He is a philanthropist who gives his time, energy and resources for the well-being of the society.

Read more:

Vijay Eswaran – Philanthropies

Norman Pattiz Driver of PodcastOne to Success

PodcastOne is a publicist upheld podcast organize that has kept on being in the spotlight, particularly after its author, Norman Pattiz, presented the new show titled ‘Past the Darkness’. The show will air through the WWE star Chris Jericho’s Podcast arrange. Read more: Norman Pattiz – Dashconference and Norman Pattiz | Crunchbase

This show will include very much educated scientists, and will give you a stage to challenge all that you think about phantoms, heavenly attendants, outsiders, creatures, spirits and wonders. This show leaves with an expansive perspective of these paranormal issues that the general public has confidence in.

Norman had this incredible thought of sound telecom on the Internet in 2013 after he quit working at WestwoodOne. He joined Kit Gray who was at that point speaking to other individuals’ podcasts from his flat, and Pattiz considered it to be a stage to take it carefully. Dark and Norman joined awesome thoughts to build up the effective PodcastOne.

Presently, one can subscribe to podcast a similar way they subscribe to web journals, and there are good looking advantages of being an exceptional supporter. You will discover a portion of the huge names that are dependably on request like Don Patrick and Steve Austin.

Pattiz is an accomplished man in the communicate business with more than 20 years of experience. He is the author of WestwoodOne, a standout amongst the best and biggest radio systems and suppliers of news, games and excitement in America.

NBC communicate systems, CBS News, CNN Radio, NFL Football, and NCAA Basketball are a portion of the systems that this fruitful business oversaw and appropriated. Because of his significant involvement in communicating, Pattiz was designated by previous presidents Clinton and Bush to serve on the Broadcasting Board of Governors of the United States of America.

He imagined and propelled America’s Arabic radio and TV while serving on this board. This dispatch empowered America to achieve the greater part of the Middle East nations, serving around 40 million individuals week by week.

Norman Pattiz has been hitched for around 30 years, and among the general population he thought to be tutors, the general population he gained enormous learning and insight, is his first business in media deals, Dan Miller, Steve Ross and Bill Paley.

Pattiz has faith in awakening at a young hour in the morning, staying dynamic and spurred for the duration of the day and being the last to go to bed at night. This portrays him as a dedicated man who doesn’t rest until the point that he makes his coveted progress. He keeps on being a champion figure in the telecom world.

Securus Technologies adapts battlefield tech to fight prison crime

The United States has cost U.S. taxpayers trillions of dollars in the lives of many soldiers, on both sides, in its wars throughout the Middle East. These highly controversial conflicts have added to the national debt, killed thousands of innocent people and greatly diminished the United States’ stature throughout the world.

 

However, there are been some good things in it come from the U.S. army involvement in the urban battlefield of Afghanistan and Iraq. One of these has been the technology known as Stingray, a system that is able to locate any cellular device within a given area. The system is also capable of spoofing cell towers, making individuals communicating on local cellular devices believe that they’re actually talking to the person they’ve called when in fact they’re only talking to the operator using the Stingray system.

 

This system was used to great effect on the urban battlefield of the Middle East, allowing for the United States army to gain a significant edge in its fight against terrorists. Now, one of the most innovative prison communication providers in the United States has adopted this technology for use in the nation’s carceral facilities. Securus Technologies has developed its own version of the Stingray system, which is capable of detecting any illicit cellular devices within a prison, eliminating one of the most potent ways in which prison gangs ply their illegal and dangerous trades.

 

Illegal cell phones are one of the most serious threats to institutional order. Gang leaders or shot callers use these devices in furtherance of criminal conspiracies, include smuggling contraband within the facility, ordering rival gang members to be beat up or even killed and even the perpetration of murders for hire on the outside of prison.

 

With Securus’ Stingray technology, these dangerous prison leaders are no longer able to easily communicate with the outside world.

 

Foreign Investors Like Banco Bradesco In 2017 And CEO Luiz Carlos Trabuco Is Not Disappointing Them

Brazil’s economy is making a comeback, and investors around the world are clapping their hands and opening their wallets. Brazil is a member of the BRICS group of emerging markets. Most investors know there is money growing on the recessionary trees in the largest emerging market in Latin America. Now that the four-year recession is running out of gas, foreign investors are pouring money into the country. One of the prime investments in Brazil is Banco Bradesco.

Bradesco is the second largest private bank in Brazil and one of the banking industry’s most profitable private banks. Bradesco is a great stock for foreign investors because of its growth and income. The man behind the fantastic growth and income is CEO Luiz Carlos Trabuco.

Luiz Carlos Trabuco is the fourth president in the history of the bank. Bradesco’s market value went from $5 billion to more than $30 billion, thanks to Trabuco’s leadership. The 57-year-old CEO is a 40-year veteran of the banking industry. And during those forty years, Trabuco never left Bradesco. Rather than leaving the bank, he put his philosophy education from the University of São Paulo to work. Luiz got his banking experience by working in every department in the bank. Trabuco was president of Bradesco Seguros for six years, and that’s where Luiz, an intelligent, personable, and confident man from Marília hit the banking industry’s radar. Today, Bradesco Seguros makes up 30 percent of Bradesco’s profits.

The key to Trabuco’s success is the bank’s diverse product mix. The bank’s performance is not the result of consumer loans and mortgages. It is the result of income from bonds, insurance sales, wealth management fees, and other banking fees. Like most banks, the success of their loan exposure depends on consumer spending, unemployment, and low inflation. Thanks to recent political and social changes, Brazil’s consumer spending is trending upwards, especially in the new tech products and services. Bradesco’s sales are out of control, according to recent reports. Bank sales in 2016 were 21 percent higher than 2015 sales. And the net income for the first quarter of 2017 was R$9.3 billion. That profit number gave foreign investors the green light to invest in Bradesco.

Bradesco is a bank that cares about Brazilians. Luiz Carlos Trabuco is a CEO who gives back and pays forward, through the various social-economic initiatives the bank has in place. Some of those initiatives include the Carbon Disclosure Program, Companies for Climate Change, Global Compact, and the Brazilian Green House Emissions Program. Plus, the 60-year-old Bradesco educational program helps thousands of students’ complete school and get better jobs.

But it’s not just the social and educational programs that make Bradesco a great investment. Trabuco believes in mergers and acquisitions. When Bradesco brought the Brazilian subsidiary of HSBC into the bank’s family, the investment world took notice. The soft-spoken Trabuco may have a great sense of humor, but he also has a keen business sense, and that sense puts him in rare company in Brazil’s banking industry. Outside of the bank, Luiz lives a quiet life with his wife and three children. But when he is behind his desk for 18 hours a day, or when he is traveling to the to Bradesco bank location around the country, he is all business.

Banco Bradesco S.A. is a great investment for foreign and local investors. And Luiz Carlos Trabuco is the CEO who will continue to make that investment worthwhile. Luiz believes in giving his customers services that other banks avoid, and he believes in giving investors what they want by implementing bank strategies that keep other Brazilian banks guessing what he’ll do next.

For more information about Luiz Carlos Trabuco and Braesco, just click here.

Richard Mishaan Design: Setting the Path in Interior Design Using Elegance and Practicality

Homes have evolved greatly over the thousands of years that human beings have walked the earth. That said, one thing has remained constant about homeowners throughout the ages; the desire to have beautiful homes. While early men had rock paintings to accomplish these desires, today we have people like Richard Mishaan. Richard Mishaan is one of the most respected interior designers in New York and heads up his own company, Richard Mishaan Design.

Through his design outfit Richard Mishaan Design, Mr. Mishaan has been able to create a name for himself as one of the most elegant yet unique interior designers out there. He tries to show luxury in all his projects and does not shy away from doing so. Simplicity has no place in modern interior design. Has a result, all of the projects completed by Richard Mishaan Design are in high-end homes and hotels. However, that is not to say that the projects completed by Richard Mishaan Design are over the top. Far from it – Mr. Mishaan uses a combination of colors and ideas borrowed from different times and cultures to strike just the right balance between elegant and practical.

Before going on to form Richard Mishaan Design, Mr. Mishaan had a brief but very educative professional background. He briefly worked at the New York office of famed architect, Philip Jonson. He is also quite the educated man having graduated from New York University and Columbia University.

Even away from Richard Mishaan Design Mr. Mishaan has still been influencing the interior design scene in the country, particularly through his books. He has authored two books in the last eight years that offer everyday people great insights on how to increase the aesthetic value of their homes. The two books are Modern Luxury (published in 2009) and Artfully Modern (published in 2014).

https://homerdesign.com/

https://twitter.com/richardmishaan?lang=en