Would you like to reduce your cost of export and import business?


Export and Import Business’ cost can be reduced significant with accessing to a correct and factual information.  Full list of Country Limitation is available for download.

Attention:  Multi-Buyer, Bank Letter of Credit and Repetitive Policy Holders, Insurance Brokers!

USA-Export-Import Bank (“Ex-Im Bank”) cover/support for private sector transactions is typically limited to transactions with a commercial bank as obligor or guarantor.

Ex-Im Bank will consider transactions without a bank undertaking on a case-by-case basis. Regarding the latter, Ex-Im Bank may consider corporate entities that are able to provide detailed financial information sufficient to enable Ex-Im Bank to reach a credit conclusion. Such information should include financial statements audited by an affiliate of an international accounting firm and prepared in accordance with International Financial Reporting Standards (IFRS), and the statements should reflect material bank borrowings.

Full list of Country Limitation is available for download.

Resources at Amazon Corner (Take additional 10% off for first time buyer)

  1. Building an Import / Export Business
  2. Import / Export Kit for Dummies
  3. Start Your Own Import/Export Business
  4. Export/Import Procedures and Documentation
  5. Mastering Import & Export Management
  6. How to Open & Operate a Financially Successful Import Export Business

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A Great business consultant must see a white space around the black dot…

Biz Consultant

A business consultant’s job is to consult. Nothing more, nothing less. It’s that simple. There’s no magic formula or secret that makes one consultant more successful than another one.

But what separates a good business consultant from a great business consultant is a passion, drive for excellence and creativity. And–oh yes–a great business consultant should be knowledgeable about the subject he or she is consulting in. That does make a difference.

Creativity is not only helps a Great business consultant can “see” things surrounding of his client’s issue,  but it also provides right guidance and assists with precise and correct solution.  For illustration, place a small black dot on a blank piece of fresh paper represents your client’s issue. It could be involved human resources, account receivable, account payable, expansion funds, equipment, budgeting, personnel, or even community relations. It is your client’s black dot.

Unfortunately majority of good business consultants will see ONLY the black dot.  Their eyes will focus and become fixated on it.  As a great business consultant, you must see all the white space around the black dot.  Fill the white space with all the positive recommendations and solutions. Start to make notes.  Keep thinking and writing.  A great business consultant is constantly searching for right solutions to solve his client’s issue.

Within no time the white space will fade, and the dot will become unnoticeable. Your client’s issue will become workable. Furthermore, involve team members or partner with your client’s black dot. A fresh set of eyes may be all you need to make the impossible, possible. By taking on your client’s issue in pieces and parts, you can develop strategies to chip away at it. In the end, the seemingly insurmountable black dot no longer exists―you have made progress. As a great business consultant you have found ways to cope with and improve your client’s situation.

biz consultant 8

Top 10 Consulting Businesses Thriving Today

Although you can be a consultant in just about any field these days, the current top 10 consulting businesses include:

  1. Accounting:Accounting is something that every business needs, no matter how large or small. Accounting consultants can help a business with all of its financial needs.
  2. Advertising:This type of consultant is normally hired by a business to develop a good strategic advertising campaign.
  3. Auditing:From consultants who audit utility bills for small businesses to consultants who handle major work for telecommunications firms, auditing consultants are enjoying the fruits of their labor.
  4. Business:Know how to help a business turn a profit? If you have a good business sense, then you’ll do well as a business consultant. After computer consulting, people in this field are the next most sought after.
  5. Business writing:Everyone knows that most businesspeople have trouble when it comes to writing a report–or even a simple memo. Enter the business writing consultant, and everyone is happy!
  6. Career counseling:With more and more people finding themselves victims of a corporate downsizing, career counselors will always be in demand. Career counselors guide their clients into a profession or job that will help them be both happy and productive as an employee.
  7. Communications:Communications consultants specialize in helping employees in both large and small businesses better communicate with each other, which ultimately makes the business more efficient and operate smoothly.
  8. Computer consulting:From software to hardware, and everything in between, if you know computers, your biggest problem will be not having enough hours in the day to meet your clients’ demands!
  9. Editorial services:From producing newsletters to corporate annual reports, consultants who are experts in the editorial field will always be appreciated.
  10. Executive search/headhunter firms:While this is not for everyone, there are people who enjoy finding talent for employers.

You decide which type of business consultant you want to be – I choose to be a GREAT one.


Amazon Corner’s Books


  • Consultants News
  • Business Consultants Directory, American Business Directories Inc., 5711 S. 86th Cir., Omaha, NE 68127

Growing – Evolving – Pushing Forward

Currency Exchange update 5/6/15

Managing Your Money_Image 4

The USD is down sharply against both the major and emerging market currencies. There is a very strong correlation between the direction of German 10-year interest rates and euro over the past weeks; European currencies are all higher led by Norway which has been helped by the surging oil prices. Emerging market currencies are higher also helped by stronger commodity prices and somewhat better global equities. Colombia is the top performer today up by 1.38% with only India slightly weaker on the session.

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us.

Please note a minimum per transaction is $US 100,000

Our Payroll Service is bonded $US 100 million and registered with Internal Revenue Service.  If we can help you with any Payroll needs, please do not hesitate to contact us.

Payroll Service

Our net lease commercial real estate investment is also available for investors who are seeking for an alternative investment secured by real estate, low risk, reasonable yield and provide fixed monthly income.

Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship with Wells Fargo bank may provide funds for your project.  Please contact us with your inquiry information.

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

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Financial Planning is like garlic to a vampire

DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Other books are recommended here

You can browse through our Amazon Corner for any other interests.  Taking advantage of addition 10% OFF for any first time purchase.

Building a Finance Plan Geared to Growth

 BuildingFinancePlan 30pcOFF

I would like to share with you our book reviewer from Ms. P. Fisher, “Garlic to a vampire“.

I recently read Daniel Nguyen’s Building a Finance Plan Geared to Growth, and have decided to keep this as my small business guidebook to finance management.  I am not an expert, hardly even a novice, when it comes to managing my business.  As a “creative” type, financial planning is like garlic to a vampire.  And yet, financial planning is essential to running a successful business.  I believe that part of my resistance comes from lack of understanding the definitions and how to do things such as create financial statements like profit and loss, cash flow, etc.  When we don’t understand how something works it becomes twice the job and, in my case, gets put on the bottom of the “To Do” pile.  What I really like about this guidebook on how to build a financial plan is that Mr. Nguyen explains what all of these terms mean. He gives us not just a textbook definition, but also shows HOW they work in relation to the overall picture of getting a small business loan, for example. He then shows a sample of what that financial statement should look like.  THIS I can understand!  He also tells the reader what to ask for –and what NOT to ask for.  There is information on establishing credit well in advance of going for a loan, things that I can do now to prepare for my possible or projected business needs in the future. He includes guideposts of ways to evaluate the progress and effectiveness of my current business needs, and then how to assess my possible future needs. Then, for when I am ready to go for a loan, I like the True-False test that he includes in the text.  This test allows me, as the business owner, to self-score how prepared I am to go meet with the banker.  This book is a wealth of good advice, resources and tools that I can use in understanding and applying good financial practices in my business.

I feel that if I follow the outline of this book that I could meet with a bank lender and not appear to be an idiot.  Mr. Nguyen has thought of not only the standard things that I will need to bring and think about beforehand, but also other possibilities that a lender might want to know.  For example, he writes that I, as a business owner, should have not one, but two possible repayment plans, to reassure the lender that I am a good risk. This is good, easy-to-understand information- he gets a score of “10” from me on a practical help scale.

Growing – Evolving and Pushing Forward!

Other related topics:

Manage Your Money – Free ebook

5 IRS Categories’ Audit Risk for Small Businesses

Always protect your investment against risks

4 fundamental Ways Really Increase Your Revenue and Asset in Business

Three recommendations improving your communication with business person

Top 6 Terms You Should Know Before Investing in net lease commercial real estate


Business consultant’s book at Amazon Corner

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Always protect your investment against risks

Always protect your investment at any cost.  These insurance companies are rated best insurers in 2015.

Insurer 4

Our client/buyer concerns of his oversea manufacture/supplier whether or not they would perform.  We recommend modifying the payment term with the cost of Performance Bond in the cost of purchase.  This recommendation is not only encouraging and assisting the supplier covering their cost; but it also provides the peace of mind to our client/buyer.  The PB cost is average about 3% of the insured amount.  Therefore, if you would like to protect $US 100,000 Purchase Order, it will cost you additional $US 3,000.

In the global category:

  • AIG was selected as the Best Overall Insurer as well as the Best Insurer for Property and Cyberrisk
  • Allianz is Best Casualty Insurer and Best Employment Practices Liability Insurer.
  • Lloyd’s was selected as Best Kidnap and Ransom Insurer and Best Environmental Liability Insurer
  • Chubb is Best Directors and Officers Insurer
  • Zurich is Best Political Risk Insurer and Best Crime/Fidelity Insurer
  • FM Global is Best Supply Chain Trade Disruption Insurer
  • Euler Hermes is Best Trade Credit Insurer
  • Aon is Best Global Insurance Broker

In addition to the global winners, Global Finance recognized top insurers and best overall brokers in seven regions of the world, including North America, Western Europe, Central and Eastern Europe, Latin America/Caribbean, Asia Pacific, the Middle East and Africa.


Best Global Property & Casualty Insurer AIG
Best Global Insurance Broker Aon
Best Global Casualty Insurer Allianz
Best Global Property Insurer AIG
Best Global Environmental Liability Insurer Lloyd’s
Best Global Political Risk Insurer Zurich
Best Global Trade Credit Insurer Euler Hermes
Best Global Supply Chain & Trade Disruption Insurer FM Global
Best Global Kidnap & Ransom Insurer Lloyd’s
Best Global Directors and Officers Insurer Chubb
Best General Employment Practices Liability Insurer Allianz
Best Global Cyberrisk Insurer AIG
Best Global Crime/Fidelity Insurer Zurich



  North America
Best Primary Property & Casualty
(P&C)  Insurer
Best Broker Wells Fargo
  Western Europe
Best Primary P&C Insurer Allianz
Best Broker Marsh
  Central and Eastern Europe
Best Primary P&C Insurer Generali
Best Broker GrECo JLT
 Latin America/Caribbean
Best Primary P&C Insurer Mapfre
Best Broker Marsh
Best Primary P&C Insurer Ping An
Best Broker Jardine Lloyd Thompson
  Middle East
Best Primary P&C Insurer Oman Insurance
Best Broker Aon
Best Primary P&C Insurer Old Mutual
Best Broker Ascoma


Best Global Property and Casualty (P&C) Insurer: AIG

AIG’s property-casualty business counts most of the Fortune 500, Fortune 1000 and Fortune Global 500 companies among its customers. In 2013, the firm “paid an average of over $100 million in claims each business day.”

Best Global Insurance Broker: Aon

Aon combines global reach with technical expertise, industry specialization and data analytics to help businesses worldwide address increasingly complex and emerging risks. In 2014, Aon created an Ebola Liability Insurance Wrap to help healthcare institutions address potential coverage gaps.

Best Global Casualty Insurer: Allianz

The Allianz Global Claims Review 2014 reported: “Liability claims are becoming more international, complex and costly as awareness of compensation and US-style litigation continues to spread.” Allianz Global Corporate & Specialty provides capacity, industry expertise, underwriters, claims and risk consultants to address increasingly complex liability exposures.

Best Global Property Insurer: AIG

AIG launched a new line of multinational commercial property products with expanded coverage, loss prevention engineering and risk management solutions for midsize businesses with global risks.

Best Global Environmental Liability Insurer: Lloyd’s

With many countries tightening their environmental regulations, several Lloyd’s insurers offer specialty products to cover related exposures. For instance, Lloyd’s market participant Beazley offers site-specific environmental coverage for corporations, as well as professional liability insurance for environmental contractors.

Best Global Political Risk Insurer: Zurich

Companies with investments in developing countries have faced an increased risk of expropriation, confiscation and nationalization from host governments. Zurich provides coverage against such related risks as currency inconvertibility and political violence.

Best Global Trade Credit Insurer: Euler Hermes

The Euler Hermes credit database includes more than 40 million companies, which speeds underwriting and gives clients vital intelligence on trading partners. The insurer maintains a worldwide network of credit analysts.

Best Global Supply Chain Trade Disruption Insurer: FM Global

FM Global’s supply chain solution combines insurance with risk assessments and engineering capabilities at supplier locations. Its Contingent Time Element Extended coverage can provide protection from losses occurring at different tiers of suppliers in a company’s supply chain.

Best Global Kidnap and Ransom Insurer: Lloyd’s

Kidnap & Ransom insurance was pioneered by Lloyd’s to protect individuals and corporations. Hiscox, a leader in K&R, teams with consultant Control Risks to help clients mitigate risks with security advice and decisive on-the-ground action, where necessary.

Best Global Directors and Officers Insurer: Chubb

Executive risk tracks business exposures, including liabilities from mergers and acquisitions. Robert Cox, executive vice president, Chubb & Son, and chief operating officer, Chubb Specialty Insurance, states that the “threat of a data breach has created a new wave” of challenges.

Best Global Employment Practices Liability Insurer: Allianz

Through its worldwide underwriting centers, Allianz Global Corporate & Specialty offers employment practices liability and other financial lines insurance for companies ranging from large multinationals to small and medium-size enterprises.

Best Global Cyberrisk Insurer: AIG

As cyberthreats become more complex, AIG continues to expand its solution set, recently adding insurance coverage for property damage and bodily injury exposures. The insurer offers end-to-end solutions to address cyber-exposures.

Best Global Crime/Fidelity Insurer: Zurich

When crimes occur, Zurich’s global claims team works with clients to mitigate the loss and helps them implement processes and best practices to prevent future incidents or help speed up their detection.


North America

Best Primary Property & Casualty (P&C) Insurer: AIG

American International Group had to be bailed out by the US government during the 2008 global financial crisis. But under CEO Robert Benmosche, it appears to be back on track. Its insurance operations, particularly in North America, have remained strong.


Wells Fargo restructured its US insurance brokerage division last year, focusing on larger markets that generate higher revenue. Company leadership said the move was a prelude to growing the business. The company has had success cross-selling insurance to banking customers and managing risks for mid-market employers.

Western Europe

Best Primary P&C Insurer: Allianz

One of the world’s largest insurers remains one of its most innovative. Whether it is launching new marketing partnerships or investing in consumer service technologies, Allianz finds growth. Despite economic weakness in its biggest markets, Allianz’s gross written premiums were up nearly 5% in the third quarter last year. Germany and the United Kingdom were key contributors to the growth.

Best Broker: Marsh

Marsh boasts a 10.5% share of global brokerage revenue. It has major operations in all significant economic regions and provides services for all forms of personal and commercial risk. Operating results for Europe are not reported separately, but the Europe, Middle East, Africa region accounts for more than one-third of Marsh’s total revenues.

Central & Eastern Europe

Best Primary P&C Insurer: Generali

Generali has been forced to bolster its capital position since the financial crisis. Appointed in 2012, Assicurazioni Generali group CEO Mario Greco has raised nearly €4 billion ($4.7 billion) from asset sales and has already hit 2015 targets on solvency and profitability. The company has refocused on core European markets and is increasing its investment across the Central and Eastern European region.

Best Broker: GrECo JLT

Despite tough economic times in the region, GrECo JLT has continued to grow organically and through acquisitions in Central and Eastern Europe. One of the first insurance brokers to set up shop in a formerly communist country (Hungary), the firm has launched offices across the region. The 20% stake in the company purchased by international broker Jardine Lloyd Thompson has broadened the company’s service capabilities.

Latin America/Caribbean

Best Primary P&C Insurer: Mapfre

Since launching operations in Colombia in 1984, the Madrid-based insurer has become the largest nonlife insurer in Latin America, with a 9.5% share of the market in 2013. The region accounts for an increasing share of the company’s business and growth, and CEO Antonio Huertas Mejías plans to invest further in Mexico. Mapfre had a solvency ratio of more than 240% at the end of 2013.

Best Broker: Marsh

With 4,200 employees in Latin America, Marsh has a significant presence in most countries in the region. It maintains relationships with correspondents where it doesn’t have office locations. It is growing organically and through acquisitions in the region—most recently, brokers in Peru, Panama and the Dominican Republic.


Best Primary P&C Insurer: Ping An

Ping An is the fastest-growing P&C insurance company in China since the monopoly of the state-owned People’s Insurance Company of China was dissolved in 1988. After taking losses of nearly $4 billion from an investment in Fortis Group in 2008, Ping An is now more focused on developing its massive and still rapidly growing home market.

Best Broker: Jardine Lloyd Thompson

The company’s roots in Asia date back to 1832, when trading house Jardine Matheson was launched in Canton. It has become an international insurance brokerage in the past two decades, but Asia has remained a key region for the company. It recently acquired businesses in emerging Asian markets and is opening its first office in India.

Middle East

Best Primary P&C Insurer: Oman Insurance

Oman Insurance is headquartered in Dubai and has offices in all the United Arab Emirates, Oman and Qatar. It is growing significantly faster than the broader Middle Eastern insurance market and is making innovative use of pricing data and analytics in its business, say market analysts.

Best Broker: Aon

Aon established its Middle East presence in 1985. Headquartered in Dubai, Aon Middle East now has offices across the region and employs more than 300 people. With its extensive resources, Aon helps clients manage the full range of commercial, personal and political risks in the Middle East.


Best Primary P&C Insurer: Old Mutual

Established as a mutual insurance company in South Africa in 1845, Old Mutual, now headquartered in London, remains one of the biggest P&C insurers in Africa. Its asset and wealth management businesses suffered badly in the financial crisis, but the company has rebounded. Committed to expanding its African insurance operations, it recently acquired businesses in Ghana, Nigeria and Kenya.

Best Broker: Ascoma

The Monaco-based company has built one of the biggest insurance brokerage networks in West Africa, focusing on French-speaking countries. It currently offers support for personal and commercial insurance needs in 22 countries in the region and has deals with larger international brokers in markets it does not currently serve.

Please contact us for free consultation.