Twilights Terror Only Scary Stories

20Oct/17Off

Bradesco Is Well Capitalized And Profitable Going Into 2018 According To CEO Luíz Carlos Trabuco Cappi

The banks in Brazil know how to stay ahead of economic and political issues that continue to plague the country. Over the last three years, the big banks sustained their profitability by using the difference between their borrowing rates and the rates they charge to lend money. Even though the Selic interest rate is in the single-digits, banks charge three or four times that rate to consumers. In some cases, the interest rate on home and automobile loans can be as high 20 percent or more. The big banks like Bradesco dominate the market, so they are able to charge high-interest rates even when the Central bank is lowering the Selic rate. And the banking business in Brazil is a highly concentrated industry so charging high-interest rates is acceptable, but consumers don’t always agree with that profit-generating tactic. The big banks also take advantage of government incentives, and insurance policies that protect them from recessionary issues, according to Bradesco’s CEO Luíz Carlos Trabuco Cappi.

There are three big state-run banks in Brazil, and three big private banks; Itaú Unibanco, Bradesco, and Santander Brasil. Those banks are the main go-to banks for consumers who want to bank online. Bradesco is the second largest private bank in terms of profit. Itaú Unibanco makes more than R$3 billion more a year than Bradesco, but Bradesco has a better reputation, according to the consumers who use the bank’s mobile app to do their banking. CEO and president Luíz Carlos Trabuco Cappi is a bank executive who stays on top of the consumer market. The bank’s Personas Project helps the bank understanding the buying and saving habits of their clients, and that gives the bank an advantage when it comes to offering new tech products that make banking easier.

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Brazil’s economy contracted by 3.6 percent in 2016. The economy is recovering in 2017, but there are political issues that inhibit real growth, according to Trabuco Cappi. President Michel Temer is under attack even though he is putting new programs in place to ease some of the consumer suffering. Trabuco Cappi knows the political situation will not get much better, so he tries to incorporate new programs that will help his clients deal with the political uncertainty. Most people know Bradesco has the right attitude when it comes to helping people. Bradesco environmental and educational programs are helping people understand the importance of being proactive in a responsible way. Trabuco Cappi and his executive group continue to instill that proactive mentality in the bank’s 100,000 employees.

Luíz Carlos Trabuco Cappi is a no-frills banker. He stays away from political conflicts and fake news stories. Trabuco Cappi is a sixty-six-year-old bank executive who knows the value of offering products and services that enhance the lives of his clients. Those programs give Bradesco employees a sense of accomplishment when clients use them. Bradesco has a program in place that gives clients the opportunity to buy products that work for them. Not all banks go the extra mile when it comes to focusing on what their clients want and need.

Thanks to new online banking programs and Bradesco’s bottom performance in 2017, Wall Street is pushing Bradesco as one of the stocks to buy now and in 2018. Bradesco client-centric focus is on digital technology and investing, according to Trabuco Cappi. The bank is making progress thanks to 60 different websites and 26 million Bradesco account holders. More than 95 percent of the current bank transactions happen on digital channels. Trabuco Cappi doesn’t like to take credit for all the success the bank is enjoying, but bank employees know he and his team are making a huge impact on the online banking industry in Brazil.

See: https://www.terra.com.br/economia/trabuco-assumira-presidencia-do-conselho-do-bradesco-banco-nomeara-novo-chefe-executivo-em-marco,9fb1d7fe927d7f26678a7543f82f02edw3u6oihm.html

14Jul/17Off

Showcasing Fresh Design Styles With Richard Mishaan

Richard Mishaan is a celebrated interior designer and a man of many talents. His aptly named business Richard Mishaan Design showcases his love for cleverly meshing art, fashion, architecture and style into fresh, enticing spaces. Richard Mishaan Design has been cited time and time again in popular magazines and media such as Architectural Digest, Elle Décor, The New York Times and Forbes. His expansive portfolio highlights his array of design techniques that use light, color and texture to bring a room together, culminating as a work of art.

 

Richard Mishaan Design marries the old with the new by using classic styling with a modern touch. Richard Mishaan Design creates beautiful spaces for individuals, corporations, and hotels. Some examples of the projects that his design studio have created are the Trump World Towers, the Shelborne Hotel, the presidential suite for the St. Regis Hotel and the Columbian Hotel Tcherassi. Designing for hotels is one of Richard’s favorite challenges because they require glamour, functionality, and comfort underscored with fabulous style. Richard Mishaan Design meets that challenge every time; one look at his showcase enterprises proves his incredible eye for detail.

Homer Design is another of Richard’s businesses. Homer Design is a retail store located at 56 University Place in New York. The store offers beautiful showroom style furniture and accessories, giving customers the opportunity to create Mishaan’s signature style in their homes. The store has an online site available for those outside of the New York area.

 

In addition to Richard Mishaan’s design and retail business, he is also the author of “Artfully Modern-Interiors By Richard Mishaan” and “Modern Luxury”, both exquisitely created to give readers inspiration. He is a passionate art collector with a fondness for international art, specifically the work of photographer Massimo Listri and furniture designer Guy de Rougemont.

https://www.1stdibs.com/design-firms/richard-mishaan-design/

https://www.pinterest.com/lmkeefer/designer-richard-mishaan/

9May/17Off

George Soros may be most abnegated philanthropist in history

George Soros has always been a curiosity among his plutocratic peers. Never devoutly interested in money, Soros always wanted to become a philosopher rather than a businessman.

In fact, he didn't even know that he wanted to go into a career on Wall Street until much later in life, when he was already in his late twenties.

One interesting consequence of this is that, it seems, Soros has long held the philosophy that philanthropic pursuits are the end to which all investors should strive in created means to fulfill. Over the course of his career, Soros has given away more money than perhaps any other investor in modern history. But what's more, he has given away this money throughout the entirety of his career; this includes significant sums very early in his investment career, when those returns would have had the opportunity to compound over many years, generating huge returns.

Many investors such as Warren Buffett, Carl Icahn and even the Koch brothers only started giving away vast sums of their fortunes much later in life. What this meant for these investors is that all of the money that they generated early in their careers was always able to compound. Many people do not fully appreciate the power that money left to compound returns has in building wealth. But it's safe to say that, for example, in the case of Warren Buffett, if Mr. Buffett would have been willing to give away the same amount of money that George Soros did at the same point in his career, he would have just a small fraction of his current wealth. Know more about George Soros on Investopedia.

After starting his first hedge fund, Soros Fund Management, in 1972, Soros went on to have an incredibly successful decade. But during this time, he almost immediately began giving away serious portions of his wealth to causes in which he believed If we assume that George Soros gave away the equivalent of just $1 billion in 1980, a very conservative assumption, given the fact that he has donated over $15 billion to date, his total net worth, compounding at a rate of 25 percent per year would be in excess of $3.5 trillion today. This would easily make him the richest man who has ever lived.

Because of Soros’ incredible rates of return, even the small amount of money that he gave away early in his career would be worth tremendous sums today.  Thus, it's safe to assume that absent Soros’ extreme generosity he would today be the richest man alive. Learn more on discoverthenetworks.org about George Soros.

7Mar/17Off

Brian Bonar – a financial expert

Mr. Brian Bonar is an investor and a financial expert who resides in the area of San Diego. Currently, he is the Chief Investment Officer and Chairman of Trucept. With these positions, the role of Brian Bonar is to provide business services such as outsourcing of human resources, ensuring that the payrolls are in the correct order, and employees receive their benefits.

These services have enabled his clients to make real progress in business, especially the owners of small enterprises.

Brian Bonar received a Degree in Mechanical Engineering from James Watt Technical College and a Master Degree in Mechanical Engineering from Stafford University. After finishing school, Brian worked for IBM as the Procurement Manager for 16 years. Afterward, Brian worked as the Director of Engineering for QMS Company.

According to Bloomberg, Brian Bonar is a man who believes in hard work and dedication. Because of his commitment, he was promoted to be the Vice President of Sales and Marketing at Rastek Corporation. He, later on, established his company, which is known as Bezier System.

Apart from being the Chairman of Trucept, Bonar is also the Chairman and CEO of Dalrada Financial Services Company.

Dalrada Company offers a broad selection of employer and employee benefits, as well as aftermarket products. It acts as a marketing liaison entity; therefore, supplying its clients with a variety of employee programs, which in turn increases the efficiency of the business.

Examples of these benefits include business management services, promotions, financial management, and risk management insurance.

He renamed the restaurant as Bellamy’s and went ahead to hire the staffs who were fired by the previous owner.

Bonar was able to make good use of their experience to take Bellamy’s to the next level. Presently, Bellamy’s is one of the best restaurants in the area of San Diego. In 2016, the restaurant won the OpenTable Diners’ Choice Award.

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