Historically, banking has been a local endeavor. Each area has its own special culture and needs for financial services. Brazil Banking Expert Igor Cornelsen sees the nation’s financial industry as ripe for investment.

“Top Global Banks Are Chinese”

Forbes uses four different criteria for ranking global banks: revenues, profits, assets and market value. These are the Forbes rankings for the top global banks in 2015 – Industrial & Commercial Bank of China is #1, China Construction Bank Corp is #2 and Agricultural Bank of China is #3. Clean sweep for China.

If merely assets are considered, then the aforementioned global bank rankings are as follows (for 2013) – Industrial & Commercial Bank of China is #1, China Construction Bank Corp is #7 and Agricultural Bank of China is #9. Chinese banks dominate no matter which criteria are used.

Read more:
Igor Cornelsen – Colorado, Bainbridge Investments

Igor Cornelsen – JusBrasil

“How Do Brazil Banks Rank Globally?”

Using the Forbes criteria, Itau Unibanco Holding is ranked #15 as the highest-ranked Brazilian bank. This is a noteworthy position, a couple of places behind Banco Santander, Mitsubishi UFJ Financial and Bank of Communications in China. One key difference is that while Banco Santander has a significant presence in Brazil, very few Brazilian banks have significant foreign branches. Based solely on assets, the top Brazil bank is Banco do Brazil at #51, ranked behind Danske, Shanghai Pudong and China CITIC banks.

Brazil Banking Analyst Igor Cornelsen explained the industry to investors during his CNBC interview. He noted that the Chinese-Brazilian synergies are a primary reason why the sector may be a good investment.

Learn more about Igor Cornelsen:

http://www.thevalanx.com/the-career-life-of-igor-cornelsen/

http://igorcornelsen.tripod.com/

With multiple websites out there like Airbnb making it extremely easy for homeowners to find guests to rent their home or a room in their home, it is often easy for homeowners to overlook the potential risks that come with having temporary house guests.

Although many of the sites you can find renters through are in fact reputable sites, the people who are coming to stay with you are in fact strangers. Renting out your home to strangers means you are taking on responsibility for their actions. This could include illegal activities such as drug use on your property. In addition you open yourself up to risk of theft as well as property damage to your home or to your neighbor’s property.

In additional most home owners coverage excludes short term rental s therefore you will be out of pocket any expenses caused by the short term renters. If you wanted to cover them you would have to pay an additional premium or upgrade to a commercial policy.

Finally while sites like Airbnb offer some protection to its users; it is important to understand that the protection provided is secondary. This means these sites expect you to exhaust all avenues of recovering costs before you can file a claim. This can be time consuming and costly.

If you are considering renting out your home to rents it is best to speak with a financial advisor prior to doing so. Wealth Solutions, Inc. is one company you could reach out to help decide whether or not short term housing is a viable financial decision. Richard Blair started Wealth Solutions in 1994 and currently manages over $55 million of assets.

With over 20 years of experience, Blair has built out a winning strategy to help clients meet their financial goals. Blair has a 3 point strategy that he refers to as the “The Three Pillars.” The first Pillar involves discussing the client’s financial goals. In this step Blair is getting to know the client and by accessing their goals and risk tolerance he can establish a path to meet the goals while setting client expectations. The Second Pillar is taking the road map from the first phase and putting it in motion. Blair will invest the client’s funds to maximize their returns while staying inside their risk profile and liquidity needs. The final Pillar is the pillar of Insurance. Blair understands the importance of preparing for the unexpected in life. He will take the time to review each client’s insurance needs and work to make sure all the appropriate coverages are in place with adequate limits.

So whether you are looking to plan for retirement, start a new business or just need advice on taking in short term rentals, it is important to have a trusted advisor by your side.

Whistleblowers have been breaking their silence in most recent years due to the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010. The whistleblower program has created a need to secure whistleblowers with protection against employers and educate them on the available remedies for security violations. Whistleblowers can be anonymous as long as they are represented by an attorney. Labaton Sucharow, the first law firm to exclusively practice law to protect and advocate for whistleblowers, has the leverage to do just that. They can also achieve success in maximizing the potential monetary awards that each whistleblower is eligible for through the Act.

Under the direction of Jordan Thomas, a former Assistant Director and Assistant Chief Litigations Counsel in the Division of Enforcement of the SEC, Labaton Sucharow has the best team of specialists; investigators, financial analysts and forensic accountants to help their clientele. They even offer whistleblowers a guide to help educating them on how to minimize risks, such as, retaliation and on issues that they may come across in the process. The fields of interest in security related violations consists of; Offering fraud, Trading & Pricing, Foreign Corrupt Practices Act, Municipal Securities, Financial Fraud and Market Manipulations. Monetary Sanctions can exceed well over the $1 million mark.

Labaton Sucharow has worked for whistleblowers against big corporations like AIG, Countrywide, Enron, Fannie Mae, Citigroup and UBS. Since the laws on securities have changed and will change continuously over the years and are very complex, they recommend whistleblowers to familiarize themselves with the security laws associated with federal securities or consult an experience team of attorneys before deciding on whistleblowing. This way there is better knowledge about whether a violation occurred, how significant of a violation it may be, and is determine whether it could be a successful SEC enforcement.

Labaton Sucharow also offers a free confidential, individualized Eligibility Calculator for anyone compelled to report wrongdoings in the federal securities area listed above. They are focused on protecting their clients and advocating for them. They provide information to the public through a Whistleblowers Handbook to educate interested parties and a SEC Sanctions Database that provides detailed events of previous SEC enforcements.

Learn more about SEC whistleblower attorneys

How do Asians, particularly Koreans, achieve their world-renowned complexions? YouTube star and beauty blogger Wengie claims it isn’t just about genetics, although that certainly helps. In her video Asian Skincare Secrets,” she explains that we are all born with great skin, but maintaining it is a life-long challenge that requires good health and a consistent routine.

Wengie says that Koreans are often ahead of the rest of the world with their beauty technology. The use of BB creams, for example, was commonplace in Korea years before it became a popular product in the west. Dermatological services and day spa treatments are also a huge market in Korea, often available at an affordable rate. It is very common for Korean women to regularly visit a dermatologist. However, she says that anyone can achieve great skin by maintaining good skincare routines.

In Korea, the routines are much longer than simply washing, toning and moisturizing the face. It includes special serums, overnight treatments and constant protection from harmful UV rays. Wengie says she knows Asian women who even wear sunblock indoors because they are concerned about the sun coming in through the windows. Parasols and driving gloves are also commonly used in Korea to keep the skin protected on sunny days. She advises against sunbathing, as that can lead to premature aging, leathery skin and cancer.

Good skincare isn’t just about what is happening on the surface, Wengie insists. It starts from within, which is why it is essential to practice good eating habits. She believes there is a strong correlation between clear skin and the diets followed by most Korean people. Lactose intolerance is common with Asians (herself included), so she avoids all dairy. Dairy can lead to blemishes, she says, and Korean diets usually contain very little of the ingredient.

Although some of the beauty secrets revealed by Wengie might simply sound like common sense, she emphasizes that it takes a lot of dedication to achieve her perfect complexion. She is also always on the lookout for new technological advances and improved beauty products.

 

Find out more about Wengie:

http://hotbirthdays.com/celebrity/wengie.html

https://www.pinterest.com/wengie/

 

The GoFundMe page started by Avi Weisfogel is just for the people at Operation Smile, and he intends to raise as much money as he can for the charity. The charity needs to have money to take its own trips around the world to provide people with dental care, and they take dentists like Avi Weisfogel with them. The operation sends people in mobile units to underserved areas, and then they make sure that every person who visits the unit receives care.

There are a lot of simple procedures that can be done to help people with basic dental care, and there are major surgeries that can be done to alleviate problems that have been lingering with some of the people in the area. These people are suffering through serious problems that can only be solved by professionals. Avi Weisfogel is one of the professionals, but he wants to go back to make as many trips as he can possibly make. He knows that he can change the lives of a lot of people where he visits. He has gotten to know some of the families, and does spend parts of his trips helping people who are in need of follow ups.

Avi Weisfogel is a brilliant dentist who has performed many surgeries to help people take back their appearance, and he has offered the dental care he thinks that everyone should have a chance to get. He wants to be sure that all the people of the world can get dental care when they need, and he wants to push Operation Smile forward to be sure that he has the resources to take even more trips. He wants to bring his friends, and he wants to help as many people as he can.

The best part of what he is doing is taking it upon himself to raise the money. He knows that he can raise a lot of money from a shared GoFundMe page, and he will keep raising money as much as he can. The page will stay open, and he will continue to share while Operation Smile benefits.

Networking has become one of the most efficient professional and career growth modules of the 21st century. It facilitates the sharing of knowledge and skills among professionals across an industry.

Brian Bonar’s career accomplishments exemplify the critical role of professional networking. Brian received the Cambridge Finance Executive of the Year publishing award five years ago. This award features four lucky men and women with expertise in financial management and accounting every year. Also, a select committee examines the candidates’ leadership qualities, experience, and academic acumen.

It’s not surprising therefore that Brian Bonar received the fete considering his 30-year experience in the finance industry. A third of his career has been spent at the helm of affairs at Dalrada Finance Corporation (read more: Brian Bonar – about.me and Brian Bonar | Whitepages). His success at the firm comes after pursuing employee benefits and empowerment as a consultant. Dalrada has been supplying employee programs for its clients across service and manufacturing industries.

The typical employee must be motivated towards achieving the organizational goals. Brian acknowledges the role of compensation and risk management in facilitating smooth operation. Brian has been developing such strategies all through his career. He is a genius in finance which allows him the freedom to develop sound policies to push Dalrada progressively and its affiliate companies.

Brian Bonar also happens to be a dedicated scholar. His academic qualifications include a Ph.D. in Management and Finance. At the professional level, he bears the certification of the American Finance Corporation. Bonar believes in reinventing oneself and even the corporate enterprise. Learn more about Brian Bonar: http://xrepublic.net/2015/09/03/brian-bonar-trains-his-employees-in-exceptional-customer-service/ and http://www.prnewswire.com/news-releases/brian-bonar-receives-professional-networking-communitys-highest-honor-98913914.html

This fact explains his thirst for knowledge and academic excellence. Brian Bonar is able to juggle between the demands of management and financial administration. Apart from Dalrada, he also plays the role of CEO at Smartek and also a host of other firms.

Dr. Jennifer Walden is a well known plastic surgeon in America. Popular for being one of the top twenty four plastic surgeons in the United States, this woman is one highly successful woman. Not only has she been practicing for thirty plus years, but she has a beautiful family, many accomplishments and has mastered the art of plastic surgery. This woman is a force to be reckoned with, a total inspiration.

Throughout her long prestigious education, she had the honor of being salutatorian in medical school, and also ended up in an exclusive fellowship program, chosen one out of two, at the Manhattan Eye, Ear and Throat Hospital. Upon completing her education, she loved the experience of being in the city and decided to open her practice right in the heart of Manhattan. Her motivation for becoming a plastic surgeon was the hope to help women gain confidence in their appearance.

The intelligent Dr. Walden didn’t stop there though. She wanted to become a mother, and through in-vitro-fertilization, she became mother to two twin boys, Rex and Houston. She decided to raise her family in her hometown of Austin, Texas. Soon after the birth of her boys, she opened a new practice right in town.

Dr. Jennifer Walden is known for being quite the media darling, a published author and by her achievements and awards. Not only that, but she is the only woman on the board of directors for the American Society for Aesthetic Plastic Surgery. This woman really does it all- she’s unstoppable. Plus, she is an inspiration for any woman with big dreams.

Find out more about Dr. Jennifer Walden:

https://en.wikipedia.org/wiki/Jennifer_Walden

https://www.youtube.com/user/drjwald

The merger and acquisition market is a product of corporate finance, strategic management, and planning, plus a strong desire to expand in one or more industries. Madison Street Capital has been in the merger and acquisition business in the United States and abroad for more than 20 years. CEO Charles Botchway has a history of bringing corporations together for the good of the investors and the employees. Madison Street Capital is based in Chicago, but the company has offices in Asia and Africa. COO Anthony Marsala is an award-winning executive that pays close attention to the details that make mergers and acquisitions, work. The executive team at Madison Street is a young, insightful group. The mission of the group is to help clients with strategic planning, cost reduction and to increase corporate earnings.

Madison Street Capital is a boutique investment firm that specializes in mergers and acquisitions in the healthcare, energy, wholesale and retail industries. The company also specializes in capital reorganization programs, but the hedge fund division is another important piece in Madison Street’s investment portfolio. Mr. Marsala said that offering clients the opportunity to invest in the hedge fund is one of the most rewarding aspects of his job. The Madison Street Capital hedge fund invests in emerging markets and start-up companies in the information technology sector as well as in healthcare and energy-related businesses.

In the first quarter of 2016, there were more than 330 completed acquisition transaction in the United States. Not all of the participants were U.S. based companies, but all of them had an American company involved in the transaction. Marsala said that number of acquisitions was less than the normal amount of quarterly acquisition because the financial and political uncertainty has had an impact on the industry. But Marsala believes the second half of 2016 will be better. Madison Street Capital has several mergers in the works, and the company has a couple of acquisition deals that should close by the end of 2016.

The merger and acquisition industry is based in certainty, according to Mr. Marsala, and Madison Street Capital is changing to meet the demands of clients that embrace that certainty.

European debt and the Chinese yuan are of particular interest to George Soros as he has a look at the world economy. He watches the economy partly because he is worth over a billion dollars, and he watches it because he sees all the ramifications of another collapse. He told Politico that what is going on in 2015/2016 is a lot like what was happening in 2008. Another financial collapse cannot be afforded, and it is important for people to listen to what George Soros has to say.

George Soros made most of his money investing in currency, and he is watching the Chinese yuan as the Chinese are worried about how much people are investing in it. Too much volume could be a problem for China, and the country is trying to find out a way to grow at the rates that they have been projected in the past. China has to keep up with projections if they are going to help the world economy move forward, and George Soros is hoping that they will be able to come up with a solution soon.

The solution that is used by people who are in leadership should be quick, and it needs to be unilateral. There were a lot of problems with people who are leading the EU because they waited too long to handle the debt crisis in Greece, and it is also important that the EU does not wait too long to decide who will be a member, where refugees will go and how the union will finance support for people.

There are a lot of people who are going to wait for what George Soros has to say about the world economy, and they are looking to see what he has to say to world leaders. That affects what people will do when they are investing around the globe, and George Soros is staying active in the investment community so that his message gets out there the way that he thinks it should.
Read more: George Soros Discusses European Debt And Chinese Currency With Politico

George Soros has the most belief in world leaders who can help people, and he wants to give money to world leaders that he thinks can help the economy the most. George Soros believes in progressive thinking, and he is trying to make sure that he can help the American candidate who is most fit. He has given money to Hilary Clinton’s campaign because he believes she can stabilize finances the same way that Barack Obama did. He is the person who is watching the economy the closest, and his opinion matters to people who invest every day. His discussion with Politico is just one time he addressed the problem, and it will not be the last.



Find out more about George Soros:
http://www.bloomberg.com/news/articles/2016-01-07/global-markets-at-the-beginning-of-a-crisis-george-soros-says
https://www.opensocietyfoundations.org/people/george-soros
http://www.nytimes.com/topic/person/george-soros

In 1989, Dick DeVos and his wife created the Dick and Betsy DeVos Foundation. Among their many initiatives, I’m happy to see that school choice has been a primary goal of their charity work. They continue the work of Dick’s father, also named Dick, and his mother Helen. For two generations now, the DeVos family has sought to allow low-income families the chance to have their children attend private schools throughout Western Michigan. Their work has gone beyond Michigan, however. It’s been good to see that their efforts have helped turn school choice from a “fringe movement” at the turn of the 21st century into a real deal for kids in Michigan. The effects have spilled over to at least a dozen other American states.

Glad to see the Grand Rapids area make another “best of” list! Thank you all for your role in making our city great.

Posted by Dick DeVos on Friday, March 11, 2016

Dick and Betsy DeVos’ school choice efforts began in the early 1990’s. They joined the Education Freedom Fund in 1993, using their Foundation to cover the Fund’s administration costs. This Fund provides private scholarships to Michigan low-income families. These scholarships allow the parents to send their children to schools of their choice. They also matched a $7.5 million grant to the Fund from another group. Also, in 2000, DeVos was on a committee sponsoring a ballot initiative to amend the Michigan constitution. This amendment would have allowed for school vouchers and even tax credits to cover the tuition for private education. Unfortunately, the initiative lost with almost 70 percent voting against it.

Religious-based schools have become a large part of the philanthropic efforts regarding school choice. The family’s passion for religious schools has been the major fuel for their decision to support choice in schools. Regarding education, their foundation states “We strive to be a catalyst for positive change by expanding choices and improving access opportunities in education.” The foundation funds many Christian schools in Michigan and also has supported American Education Reform Council, Choices for Children, and Children First America.

Also, sports programs in schools play a major role. The DeVos family has long been visible in the sports arena, making contributions to several sports programs, including those in schools. Dick DeVoswas even CEO of the NBA team, Orlando Magic from 1991-1993 before he left to found and run the Windquest Group. In line with sports, programs in the arts have a strong connection to the DeVos family as well. Several arts programs within schools and outside of them have been funded by the family. I’m glad to see this, as many of these families may not have otherwise been able to participate in such activities. This is one of many reasons why putting money into the schools (and choice thereof) are a big focus for Dick DeVos and family.