Ricardo Guimares is the grandson of the man who built Brazils greatest bank. He has himself taken the footsteps of his old man and currently sits at the helm of a company that has achieved success in a competitive area. He has built Banco BMG to be the biggest lender in consigned credit in a country where personal loans are very expensive.Guimares has achieved this through good sponsorship deals that have seen the bank became the biggest sponsor of sports teams in Brazil. He is himself a football fanatic and his loyalty lies with Atletico Mineiro.The three letters B.M.G are every week displayed proudly as his team plays its matches around the country. It is the perfect marketing Stunt in a country with over 200 banks, and it has paid off handsomely.


Banco BMG also sponsors another 99 teams across all divisions in the football-crazed nation. It also sponsors other sports like tennis and basketball. Despite the head honchos football support, the bank doesn’t officially support any one team and only seeks to brand and market itself through these teams. Soccer is a religion in Brazil and failure to jump the soccer sponsorship bandwagon is a sure way of wishing your exit from the market. Banco BMGs style has seen it became the biggest sports sponsor in Brazil. It also has reaped from this marketing strategy as on a per dollar spent financials, it has the best returns in the market.


BMG is also on a growth path and has already acquired Banco Schain and Banco GE. These have seen it expand its customer base and expand into new market territories like vehicle financing. It has also attained over 5 million customers with a distribution network of 3000 branches and 50000 agents. It leverages this extensive distribution network to deploy and scale its products efficiently. It is also the market leader in consigned credit with 80% market share. It has leveraged its international networks to float bonds routinely in the bond market where it has raised billions. This access to capital has assisted it to fuel its growth plans.


Ricardo Guimares is a Business Administration graduate who started his career with Banco BMG in 1980.He has since grown the ranks to be named the CEO in 2004. He advises anyone seeking to enter the Brazilian market to hire the best and work hard.

This article is a translation from the following link



The Investment Genius

The Highland Capital Management was founded by Mr. James Dondero. He has impressive records in the credit markets sector where the idea of forming his own company rose. Currently residing at Dallas, Mr.James keeps watch and controls all strategies, moves, possible upgrades and operations in the retail products at his company. With over thirty years of experience in the credit market sector, James has grown from a junior to an expert in the industry. In addition, his experience and skill cannot be questioned, as he was a pioneer of the Collateralized Loan Obligation, which saw a pull of investors from a global affair.

Mr. James stumbled in his career after a successful completion of his degree in Accounting and Finance from the University of Virginia. Before, in the year 1984, Jim Dondero trained as an analyst in the Morgan Guaranty Training program before proceeding with his degree of choice. He holds a few other additional advantages; having pursued a Certified Management Accountancy certificate and has earned full rights to use the Charted Financial Analyst designation.

The investment banking industry can comfortably acknowledge Mr. James’ effort into developing strategies that elevate the sector at large. He has served as a corporate bond analyst in a number of years in his career that qualify him as a brilliant professional. Among the major achievements written into James’ book or record, was that he acted as a chief investment officer at GIC where the company reaped great profits of over two billion dollars in a considerable short period of time accounting to five years in office.

Above that, Mr. Dondero boasts of some top titles awarded to him in the investment banking industry where he has showed a great deal of expertise. Cornerstone Health care recognizes him as their official chairperson, and so does Nexbank. He additionally serves as a board member of the American Banknote and MGM studios where he actively participates and contributes to investment development ideas and solutions.

His expertise can be clearly retrieved from a record of funds associated with his uptight management where he received awards throughout his career managing various different companies. He received the famous Morning star’s 5 star designation for Global Allocation in 2014 and Morningstar’s top position ranked Health care equity fund in the year 2014. With age, he gets better especially after being awarded the Lipper Award for Floating Rate Opportunities in the year 2014.

Mr. James diverse knowledge in investment banking around stocks, bonds, assets, capital and the economy as a whole has seen him succeed and raise companies from level zero to profit racking positions. We cannot only describe him as skilled but also intelligent, hardworking, professional, creative, innovative and at most a great businessman. He has also dedicated his time and effort to giving advice on investment opportunities, strategies and ideas to the interested lot especially young ambitious entrepreneurs.

Highland Capital Management Is Concerned About Brazil’s New Budget Strategy

James Dondero, the founder of Highland Capital Management, has been down this road before with Brazil investments. Mr. James Dondero has 30 years of experience in credit markets. He is one of the pioneers of the collateralized loan obligation. He managed $1 billion in fixed funds for American Express before he became the Chief Investment Officer for a Protective Life Subsidiary. Through the years, he has watched Brazil go through several financial struggles and political battles. The current state of the economy in Brazil is no surprise to Dondero, and he thinks the collapse of faith in the leadership of the country is no surprise either.

President Dilma Rousseff has demonstrated a lack of leadership when it comes to foreign investment strategy and other financial decisions. When the news broke that Standard & Poor downgraded the country’s credit rating, James Dondero and Highland Capital knew it was only a matter of time before other institutions would do the same. When that happens, a lot investors and foreign pension funds will have to unload Brazilian bonds, according to Dondero.

Now, the Brazilian government is trying to plug the shortfall in the 2016 budget by bringing back the extremely unpopular CPMF tax that is levied on financial transactions. Congress rejected an earlier move to reinstate the financial transaction tax. If it is passed this time, it will stay on the books for four years. The government is also cutting spending on low-cost housing projects, infrastructure improvements and government employee salaries. Those cuts and a few others will raise $R 32 billion in 2016, and that increase will show a slight budget surplus.

The government also plans to reduce subsidies paid to the chemical industry, and will cut the amount of refunds they give manufacturers of exported goods. The Rousseff plan will raise the capital gains tax by 30 percent, and those three moves will net the government another $R 3.8 billion next year. If those actions are passed by Congress, the shortfall of $R30 billion in the budget will be closed, and a surplus will be achieved. But according to Highland Capital Management those cuts are going to be hard to get through Congress because of Rousseff’s approval rating, and the fact that the Congress is opposed to new taxes.

The main worry, according to Dondero and other Highland Capital executives, is another downgrade by other agencies. If that happens hedge funds will take a beating and so will the Brazilian economy. Brazil’s finance minister said the country is going through difficult times and adjustments must be made in order to maintain financial stability.

What has to happen, according to Highland Capital and other financial companies is Brazil must correct its political situation first, and that means getting rid of President Rousseff. The Social Democratic Party in the country is trying to impeach her.

Shaygan Kheradpir Inspires The Next Generation Of Technologists

The future of the next generation of technologists depends on prominent figures like Shaygan Kheradpir, to educate and empower individuals across the globe. Known for managing some of the world’s most powerful corporations, this leader hopes to encourage businessmen with his inspiring rise to success. Essentially, by utilizing his educational training and technology experiences, he has helped many major companies develop innovative products and services. Moreover, with specializations in control systems and network routing, he has led many operational teams in the construction of some of the most potent company applications.

Born in London but raised in Iran, Kheradpir understood the value of an education at an early age as his father was an ear, nose, and throat doctor. Upon completion of his high school studies at Aiglon College in Swizerland, he relocated to the United States to pursue electrical engineering at Cornell University. After many years of schooling, he earned his bachelor’s, master’s, and doctoral degree at this renowned institution.

Following his educational pursuit, Kheradpir embarked on his career at GTE Laboratories where he held many managerial roles in the IT department. In a few short years, he eventually assumed the role of Chief Information Officer by which he earned tremendous respect among his colleagues for implementing new products and services on schedule. After a merger between GTE Laboratories and Bell Atlantic, the lead executives launched Verizon in 2000. Consequently, Kheradpir served as the president of the company’s e-business division, before accepting a position as the first Chief Information Officer and Chief Technology Officer. His primary responsibility at this well-known telecommunications corporation was to manage a team of roughly 7,000 employees who worked hard to deliver innovative software. Essentially, this creative group greatly contributed to the construction of Verizon One, Verizon FiOs optics, and Iobi. In addition, Kheradpir and his colleagues revamped operations from predecessor companies including GTE, Bell Atlantic, and NYNEX as well as enhancing Verizon’s core features such as the automatic customer service system, call center, and website. Most prominently, his profound achievements at this major corporation led to the acquisition of prominent leadership positions at Barclays and Juniper Networks.

After 11 years of managing Verizon’s operations, Kheradpir joined Barclays where he served as the Chief Operating Officer of the Global Retail and Business Bank. Throughout his employment at this European based company, he continued on his product development pursuit by inventing Pingit, a mobile payments application. Subsequently, he was quickly promoted to Chief Operations and Technology Officer, however, he soon resigned from the company to work as the Chief Executive Officer of Juniper Networks.