founded in 1920 , banque de luxembourg is one of the most important financial institutions in luxembourg .

with decisions made locally , it offers its independent wealth management expertise to clients based in luxembourg and the rest of europe .

banque de luxembourg

2005 : banque générale du luxembourg becomes fortis banque luxembourg . banque générale du luxembourg changed its name , now doing business under the name fortis banque luxembourg .
family business network : le réseau des entreprises familiales se lance au luxembourg avec le soutien de la banque de luxembourg .
established in luxembourg since the 1920s , banque de luxembourg is one of luxembourg ' s largest private banks . banque de luxembourg specializes in providing asset management services for individuals , families and businesses .
chart 3 . number of employees of banque de luxembourg s . a . .
legal information | © 2018 bli - banque de luxembourg investments s . a .
la banque de luxembourg et la maison d’édition maison moderne publient un livre retraçant l’histoire de dix entreprises familiales luxembourgeoises . découvrez le portrait de la famille muller :
la banque de luxembourg et la maison d’édition maison moderne publient un livre retraçant l’histoire de dix entreprises familiales luxembourgeoises . découvrez le portrait de la famille ernster :
mfi id of banque de luxembourg s . a . is shown in the table below .
180 entrepreneurs familiaux germanophones se sont retrouvés dans les locaux de la banque de luxembourg à l’occasion du forum « family business days» .
glassdoor gives you an inside look at what it ' s like to work at banque de luxembourg , including salaries , reviews , office photos , and more . this is the banque de luxembourg company profile . all content is posted anonymously by employees working at banque de luxembourg .
la banque de luxembourg et la maison d’édition maison moderne publient un livre retraçant l’histoire de 10 entreprises familiales luxembourgeoises . découvrez le portrait contemporain du luxembourg à travers l’histoire de ces familles d’entrepreneurs .
banque de luxembourg s . a . operates under the brand name banque de luxembourg . this banking brand has presence in the following european countries and selected dependent territories of the european countries :
towards a genuine economic and monetary union - contribution de m . gaston reinesch , gouverneur de la banque centrale du luxembourg , revue de l ' euro , 29 juin 2017
euro et prospérité - contribution de m . gaston reinesch , gouverneur de la banque centrale du luxembourg , le jeudi , 20 ans de l’hebdomadaire , édition du 1er juin 2017
banque de luxembourg s . a . provides services in the area of asset and wealth management . banque de luxembourg s . a . makes its solutions available to natural persons and legal entities .
bic of banque de luxembourg s . a . and its components are shown in the table below .
the history of banque de luxembourg goes back to 1920 . its character was forged by the merger of two banks , the crédit industriel d’alsace et de lorraine and banque mathieu frères .
tout au long de l ' année 2017 , de nombreux nouveaux clients ont rejoint la banque de luxembourg et le montant des avoirs qui nous ont été confiés a atteint un niveau record .
table 1 . recent changes in gross profit of banque de luxembourg s . a . ( mln eur ) .
if you are already a banque de luxembourg client , you can subscribe to bl funds under “my account online” .
pour la première édition du solirunbike à luxembourg - kockelscheuer , plus de quarante équipes ont fait preuve de solidarité envers les enfants atteints de la maladie de noma au burkina faso . retour sur cet événement :
la banque de luxembourg présente ses résultats financiers au titre de l ' exercice clôturé au 31 décembre 2017 . découvrez - les dans la version digitale de l ' overview , notre traditionnelle brochure de présentation qui revient également sur qui nous sommes et sur nos faits marquants de l ' année 2017 .
les travaux de démolition du centre postal gare viennent de débuter . le nouveau complexe qui sortira de terre sera , dès 2022 , le siège officiel de post luxembourg . qui ne connaît pas le . . .
creation of banque de paris et des pays - bas ( renamed paribas in 1982 ) .
recent changes in gross profit of banque de luxembourg s . a . and its main components are shown in table 1 .
of banque de luxembourg s . a . . growth compared to the previous period ( 2015 ) was 1 . 49 % . the evolution of the number of employees of banque de luxembourg s . a . is shown at chart 3 below .
banque de luxembourg s . a . participates in deposit guarantee scheme of luxembourg . this scheme covers accounts up to 100 000 eur per bank per depositor .
in 2016 total assets of banque de luxembourg s . a . were 13 415 , 00 mln eur . in 2016 the bank ' s annual profit was 63 , 00 mln eur . banque de luxembourg s . a . had 815 employees in 2016 .
: creation of two luxembourg subsidiaries : ag luxembourg ( iard ) and ag luxembourg vie .
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of banque de luxembourg s . a . were 13 415 . 00 mln eur . growth compared to the previous period ( 2015 ) was 3 . 80 % . the evolution of the total assets of banque de luxembourg s . a . is shown at chart 1 below .
of banque de luxembourg s . a . was 63 . 00 mln eur . decline compared to the previous period ( 2015 ) was - 8 . 70 % . the evolution of the annual profit of banque de luxembourg s . a . is shown at chart 2 below .
à l’occasion de la sortie du livre « histoires de familles » , philippe depoorter et l’anthropologue abdu gnaba ont posé chacun un regard sur l ' histoire de 10 familles d ' entrepreneurs au luxembourg . à lire dans le magazine paperjam de juin ! urltoken
cartes bancaires : quelles précautions prendre avant de partir ? voici quelques conseils de prudence pour voyager l ' esprit tranquille .
naviguez dans le fil des actualités de post ! précisez votre recherche en filtrant les actualités de type news ou communiqués .
: merger between ag luxembourg , ag luxembourg vie and cga luxembourg , a former subsidiary of cger assurances .
: luxembourg life assurance companies cga vie , generalife and fortis luxembourg vie merge to form fortis luxembourg vie .
in the case of banque de luxembourg s . a . failure , eligible depositors having covered accounts in this bank will be paid out the following compensation :
au cœur de l ' europe , le luxembourg est à la fois une place financière d ' envergure mondiale , un hub européen pour de nombreuses entreprises et un pays reconnu pour la qualité de vie qu ' il propose .
the information provided on this website is solely intended for the presentation of bli - banque de luxembourg investments s . a . ( hereinafter “bli” ) and its business .
banque privée , nous accompagnons des particuliers , familles et entrepreneurs dans la protection , la valorisation et la transmission de leur patrimoine .
support for businesses across the border . banque générale du luxembourg opens a new business centre in metz .
at banque de luxembourg , we place great importance on creating a pleasant working environment and providing opportunities for our 900 employees to make the most of their talents and skills .
le risque politique fait son retour en zone euro et inquiète les marchés . explications avec jean - françois gillardin , head of discretionary portfolio management à la banque de luxembourg .
our approach to our business is a reflection of the core values that underpin banque de luxembourg ' s corporate culture : commitment , high standards , responsibility , flexibility and diversity .
1935 : the head office of banque générale moves to luxembourg . in 1935 , the société générale de belgique decided to make banque générale du luxembourg a luxembourg - based company . the central office at 14 , rue aldringen , thus also became the head office of the bank . the bank ' s business activities would henceforth be focused around the grand duchy of luxembourg .
the banque centrale du luxembourg ( bcl ) is the monetary authority of luxembourg and a member of the eurosystem and the european system of central banks .
banque de luxembourg is one of the most important financial institutions in luxembourg . the bank employs 800 people across branches in luxembourg and belgium . planon has several other clients in the financial industry , including pggm , unicredit , bb & t and european stability mechanism .
all credit institutions operating in luxembourg are obliged to participate in luxembourg deposit guarantee scheme .
amélioration du service de colis transfrontaliers grâce à parcel connect la coopération renforce le commerce électronique transfrontalier et élargit l ' offre de services dhl parcel . . .
“it is great to see how banque de luxembourg uses the planon solutions to align and integrate its employee services with the core business goals” , says pierre guelen , ceo and founder of the planon group .
dans la poursuite de notre tradition de mécène et pour accompagner la création artistique , c’est en voisins et en amis que nous soutenons le musée dhondt - dhaenens .
à quoi ressemblera le banquier de demain ? c’est la question à laquelle la banque a répondu dans le dossier place financière publié dans le quotidien du 7 juin .
action sportive et solidaire au profit de l ' association ela ce vendredi 15 juin ! contribuez au succès de ce projet hëllef hëllefen , quand vous le souhaitez , au cours de la journée : marchez , courez . . . et comptez vos pas !
: the entities in luxembourg change their name to become known as fortis luxembourg - iard s . a . and fortis luxembourg - vie s . a .
nous confier la gestion de vos avoirs , c’est bénéficier d’une stratégie d’investissement responsable qui a fait ses preuves . mais c’est aussi vous libérer des contraintes liées à la gestion de votre portefeuille au quotidien .
banque raiffeisen romain funk tel . ( + 352 ) 2450 - 2511 romain . funk @ urltoken
strengthening of the collaboration between all the businesses of banque générale du luxembourg and the whole network belonging to one of the leading european bancassurance groups , fortis .
: the bnp paribas group becomes the majority shareholder of bgl in luxembourg ( which changes its name to become bgl bnp paribas ) and fortis banque in belgium .
1984 : the shares of banque générale du luxembourg are listed on the stock exchange . with a view to enlarging its shareholder body and opening its shares up to the market , banque générale du luxembourg applied for listing on the luxembourg stock exchange in 1984 . the shares were first listed on 29 november 1984 , for the sum of luf 5 , 400 ( eur 133 . 86 ) .
1999 : banque générale du luxembourg , commercial deposit and credit institution , investment bank and international financial services company . as a universal bank , banque générale du luxembourg offers its luxembourg customers the services of a commercial bank whilst at the same time establishing a presence as an investment bank and in the international financial services . the bank continued to diversify and extend its international and domestic business activities .
transmettre son patrimoine et ses biens est un moment délicat . pour vous aider à préparer cette étape importante , il est nécessaire de vous poser les bonnes questions en amont afin de cerner les facteurs pouvant impacter votre succession .
merger and integration into fortis group . internaxx , an online brokerage arising from a joint venture between banque générale du luxembourg and td waterhouse , is launched in june 2001 .
un certain nombre de mesures fiscales ont récemment été introduites par le gouvernement belge . découvrez nos articles et vidéos .
you can subscribe directly to our investment funds , retaining the flexibility to switch funds or apply to redeem your units at any time . a factsheet ( updated daily ) , summarising the performance and principal positions , is available for each banque de luxembourg fund along with a quarterly management report .
june 16 th , 2014 - banque de luxembourg has recently centralized several business support departments across the organization . the international bank has selected planon ' s integrated workplace management system ( iwms ) to manage their fm contracts , end - user requests and workplaces in an efficient and effective manner .
1940 - 1945 : the business activities of banque générale du luxembourg experience a slowdown during the second world war . since the 1960s : development of the bank ' s international activities . as luxembourg emerged as an international financial centre after the 1960s , the banque générale became involved in international financial transactions , becoming a significant service provider on the international credit and bond markets .
le 1er ministre shinzo abe avait promis en 2013 de relancer l’économie du japon et de stopper la déflation avec son programme des
abenomics
. celui - ci reposait sur une relance budgétaire massive , un assouplissement monétaire et des réformes structurelles .
legend holdings corp . , a hong kong - listed diversified investment group , announced today the signing of an agreement with precision capital , a luxembourg - based financial holding company , for the acquisition of precision capital’s 89 . 936 % stake in banque internationale à luxembourg ( bil ) , a leading universal banking group headquartered in luxembourg .
bip was founded in april 2000 with the incorporation of bgl investment partners s . a . ( bip i ) at the joint initiative of banque générale du luxembourg , now bgl bnp paribas s . a . , and a group of private investors in luxembourg . in the same year , bip i was quoted on the luxembourg stock exchange .
2008 : the luxembourg government becomes a shareholder in the bank , with a stake of 49 . 9 % . in september 2008 , the luxembourg government invested eur 2 . 5 billion in fortis banque luxembourg in the form of a loan compulsorily convertible into shares . in october 2008 , the belgian and luxembourg governments decided , in collaboration with an internationally renowned financial partner , bnp paribas , to consolidate the structures and activities of fortis in belgium and luxembourg . in december 2008 , the luxembourg government became a shareholder in the bank to the order of 49 . 9 % via the conversion into shares of the previously granted loan . in anticipation of the alliance with bnp paribas , fortis banque luxembourg changed its name and began to do business under the name bgl .
lors d’un petit - déjeuner informel , nos nouveaux collègues ont eu l’occasion de partager leurs premières impressions avec nicole dochen , notre drh . nous leur souhaitons la bienvenue au sein de notre maison . # maisonattentionnee # accueil # rh # ressourceshumaines # banquedeluxembourg urltoken
the bil deal is subject to regulatory approvals , including from the european central bank and luxembourg’s commission de surveillance du secteur financier , and is expected to be completed in the first quarter of next year .
representing the private interests of members of the al - thani family of qatar , precision capital holds 99 . 9 % of kbl epb and 89 . 9 % of banque internationale à luxembourg ( bil ) , with the balance of the latter investment held by the grand duchy of luxembourg .
b - shares are held by the luxembourg state and the public institutions banque et caisse d’epargne ( bcee ) and société nationale de crédit et d’investissement ( snci ) . a b - share carries 40 % of the economic rights of an a - share . the b shares are not listed on any exchange and do not back a tradable security .
with the signing of the partnership agreement and the consent of all relevant authorities , it becomes now official that post luxembourg and banque raiffeisen will together pave the way for the post current account model of the future .
kbl european private bankers was acquired in 2012 by precision capital , a luxembourg - based bank holding company that is supervised by the european central bank ( ecb ) and the commission de surveillance du secteur financier ( cssf ) .
2002 : development continues in the grande région . bancassurance : a new gap in the market . banque générale du luxembourg continued its strategy of commercial development within the grande région : sarre - lorraine - luxembourg - trèves / palatin occidental - alsace ; opening of a group business centre at trèves - sarrebruck .
the recent centralization of all business support activities fuelled the organization ' s need for a common software solution that supports this new way of integrated processing of services . after a thorough evaluation , banque de luxembourg selected planon accelerator , a ready to use best - practice that includes standardized processes for real estate , space & workplace , maintenance , integrated services and sustainability management .
“we are very pleased that this bank has found a new buyer from china , a country with which luxembourg has developed a lot of relations knowing that we now have seven chinese banks established here , ” luxembourg finance minister pierre gramegna told reporters in luxembourg .
founded in 1856 , banque internationale à luxembourg ( bil ) is the oldest private banking group in the grand duchy . it issued its first banknotes in the year it was created and retained this privilege until the introduction of the euro .
: cardif continues to develop internationally and is now established in 20 countries , including luxembourg .
the joint goal of post luxembourg and banque raiffeisen is to develop further services in the future , and going above and beyond the present range , to provide the optimal customer care . both partners will efficiently make good use of the available resources . .
fundsquare was constituted on 7 june 2013 in luxembourg and started its activity on 1 july 2013 .
: fortis , the majority shareholder in fortis luxembourg vie , changes its name to become ageas .
b - shares are owned by the luxembourg state and by two entities wholly owned by the luxembourg state . a b - share has 40 % of the economic rights of an a - share .
post luxembourg carmen engels tel . : ( + 352 ) 4765 - 4224 carmen . engels @ urltoken
“we would like to thank precision capital , the luxembourg state and the bil management team for their support . we look forward to working closely with luxembourg state and the bank in the years ahead . ”
) struck a deal on friday to buy a 90 percent stake in banque internationale a luxembourg ( bil ) for 1 . 48 billion euros ( $ 1 . 76 billion ) in the biggest takeover of a european deposit - taking bank by a chinese firm so far .
china ' s legend buys luxembourg ' s bil bank for $ 1 . 8 billion in landmark european expansion
1928 : the bank extends its business into belgium , the grand duchy of luxembourg and france . by the beginning of 1928 , banque générale du luxembourg was already a major regional bank with solid foundations in belgium , france and the grand duchy of luxembourg . the core of the bank ' s business activities in france was located at metz ' s principal branch , at 7 and 8 place st - jacques . it was directly responsible for the branches at thionville , audun - le - tiche , carignan and hayange .
the listed security is the fiduciary depositary receipt ( “fdr” ) , listed on the luxembourg and euronext paris stock exchanges . each of these is backed by one a - share and has all the rights attaching to that share , except the right of attending general meetings of shareholders . in order to attend a general meeting , at least one registered share must be held . voting rights may be exercised by notifying the fiduciary ( banque et caisse d’epargne de l’etat ) of the voting intention .
china ' s legend buys luxembourg ' s bil bank for $ 1 . 8 billion in landmark european expansion | reuters
at this stage and in order to bring the fmi project to fruition , the luxembourg stock exchange decided to finance the entirety of the initiative and to create a dedicated legal structure . in parallel and to create the infrastructure the luxembourg stock exchange decided to :
luc frieden , chairman of bil , said :
thanks to strategic measures taken since 2012 – with the support of precision capital , the luxembourg state , our employees and our clients – bil has successfully regained its status as a leading luxembourg financial institution .
he said legend aimed to support the bank and its existing management to grow bil into a luxembourg - based , international banking brand .
post luxembourg will own a 10 per cent equity stake in raiffeisen and count 2 representatives within the board of directors of the cooperative bank .
i am proud to chair this great luxembourg bank as we prepare to write the next chapter in bil’s success story , ” frieden added .
2010 : bgl bnp paribas acquires 100 % of the share capital of bnp paribas luxembourg , with a view to carrying out a merger by absorption . in february 2010 , as part of bnp paribas group ' s business plan for luxembourg , bgl bnp paribas acquired 100 % of the share capital of bnp paribas luxembourg . after the legal merger of the two entities on 1 october , the transfer of the business activities of bnp paribas luxembourg s . a . to the technical and operational platforms of bgl bnp paribas was finalised over the weekend of 30 october .
a quels événements faut - il être attentif pour les 6 prochains mois ? comment en tenir compte dans la gestion d’un portefeuille ? dans un article paru dans la libre belgique , damien petit , responsable de private banking investments livre son analyse .
1969 : the bank sets up a trading floor and since the 1970s has played an increasingly large part in the eurobonds market . in order to maintain direct contact with its principal markets , the bank opened branches in milan , hong kong and frankfurt . in august 1982 , it extended its network , establishing banque générale du luxembourg ( suisse ) s . a . in zurich .
fundsquare is a wholly - owned subsidiary of the luxembourg stock exchange and is the combination of finesti services with newly - created order management services .
bil’s existing management team will stay in place while the luxembourg government will keep the remaining 10 percent of the bank , according to the statement .
the oldest private bank in the grand duchy of luxembourg . since being established in 1856 , bil has been helping private and corporate clients with their financial projects .
: cardif lux vie and bnp paribas cardif terminate the reinsurance contract binding them in connection with management of fonds général , which is thereafter managed directly in luxembourg .
this website is an information website addressed exclusively to qualified investors within the meaning of luxembourg law ( see above ) and informed investors within the meaning of luxembourg law ( see above ) , who may or may not be clients of bli . however , the services presented on the website are strictly reserved for clients of bli .
: creation of cardif lux vie , from the merger of two historical players in luxembourg : cardif lux international and fortis luxembourg vie . cardif lux vie is owned by three shareholders : bnp paribas cardif ( 33 . 34 % ) , bgl bnp paribas ( 33 . 33 % ) and ageas ( 33 . 33 % ) .
the proposed transaction is expected to close in the first quarter of 2018 , subject to approval from the european central bank , the commission de surveillance du secteur financier and other relevant regulatory authorities . the acquisition entity is beyond leap limited , a wholly owned subsidiary of legend holdings incorporated in hong kong .
banque raiffeisen also offers its complete range of products and services to all ccp customers and invites everyone to become a raiffeisen member in order to take advantage of the so called avantages opera , where members can earn points to pay for example their annual credit card and may get it for fee .
bil is currently owned by legend holdings - a leading diversified investment group that is headquartered in beijing , china , and listed on the hong kong stock exchange – and the state of luxembourg .
initially , the legal structure is to serve the market as a subsidiary of the luxembourg stock exchange , but is to become a user - owned and user - governed market utility in the future .
founded in 1856 as the oldest private bank in luxembourg , bil employs more than 2 , 000 people worldwide and had some 37 . 7 billion euros of assets under management at the end of 2016 .
l’exposition « flux feelings » est présente au ratskeller du cercle cité luxembourg jusqu’au 24 juin 2018 inclus . venez la découvrir avec nous au cours d ' une visite guidée organisée le mercredi 20 juin dès 12h30 .
bgl bnp paribas progressively decreased its share ownership . various luxembourg families invested in bip i , transforming it into a family - backed company . bip i changed its name to bip investment partners s . a .
the chairperson of the board will inform the government of luxembourg of the envisaged acquisition . the government may oppose the acquisition within three months from such information if it determines that such acquisition would be against the general public interest .
the proposed transaction remains subject to ecb / cssf approval and that of other regulatory authorities . it also remains subject to legend holdings shareholder approval . the grand duchy of luxembourg will retain its 9 . 993 % ownership of bil .
recognised as being a true cornerstone of the luxembourg financial market , bil plays a key role in developing the local economy . operating in retail banking , private banking and corporate banking activities , it is among the country’s top three banks .
integrate finesti , also a subsidiary of the luxembourg stock exchange , into the initiative as an opportunity to leverage its technical infrastructure , fund database , as well as its expertise in fund registration , regulatory reporting , data and document management .
the purchase price more than doubles the 730 million euros precision paid for bil in 2011 when franco - belgian financial group dexia , bil’s then parent company , needed a state - led bailout by france , belgium and luxembourg and sold off all its active businesses .
at the initiative of the luxembourg stock exchange , a consortium of major players of the fund industry was created in 2010 to analyse the creation of a market utility that would help fund actors mutualise costs and achieve greater efficiency in the fund distribution space . the ‘fund market infrastructure’ project was launched .
precision capital , along with the grand duchy of luxembourg , acquired bil in 2012 at a time when the previous shareholder faced significant financial stress . precision capital and bil have since overseen a turnaround of the bank following an in - depth strategic review , having made significant investments in the bank and its brand .
2009 : bnp paribas group becomes the majority shareholder in bgl . in may 2009 , bnp paribas group became the majority shareholder in bgl , with a holding of 65 . 96 % of its share capital . the luxembourg government remained a significant shareholder in the bank , with a holding of 34 % of its capital .
registered and headquartered in luxembourg , precision capital is a private – rather than sovereign – organization that seeks to capitalize on the attractiveness of the european private banking industry over the long term . a strong and committed shareholder , the firm seeks to grow kbl epb ( and bil ) , both organically and through m & a activity .
as an industrial investor , post luxembourg holds stakes in a wide range of partner companies in the telecommunications and postal sector
, says claude strasser .
with our stake in raiffeisen we also emphasise the seriousness of the agreement , the long - term objectives and expect to partake in the anticipated success of our partnership .
our multinational and multilingual team is located in luxembourg , an international hub in the center of europe . leveraging on more than 80 years of combined investment and transaction experience , each transaction team builds on the necessary competences needed to evaluate the potential of presented investment opportunities and to support the investee companies on their path to growth and value maximization .
nasra noted that precision capital’s only other investment – its 99 . 9 % ownership of kbl european private bankers ( kbl epb ) , a pan - european private banking group headquartered in luxembourg – will not be impacted by the agreement with legend holdings . “we remain committed to supporting the long - term stability and growth of kbl epb , ” nasra concluded .
george nasra , ceo of precision capital , said : “bil has made tremendous progress in the past five years . the business is in great shape and boasts an exceptionally strong brand , supported by an experienced management team and over 2 , 000 committed employees in luxembourg and abroad . legend holdings is the right partner for bil as it moves into its next phase of its sustained growth and expansion . ”
raiffeisen is a cooperative bank , and this changes everything !
, says guy hoffmann , chairman of the management board .
as a cooperative bank , we belong to our customers and members and do not depend on any international financial group . raiffeisen is renowned for being a financially solid and carefully operating bank . our decision - making centres are based in luxembourg and our main interest is the domestic market .
this entire range of services available for online banking will also be extended to the branches of the two partners . as of may 2016 , all ccp customers will be able to complete their standard banking transactions ( withdrawals , deposits and transfers ) not only at post sales network , but also at most raiffeisen branches . any ccp customer who does not wish to make use of these standard services offered by raiffeisen can simply notify post luxembourg .
in case of no opposition from the government of luxembourg , the board shall convene an extraordinary meeting of shareholders which may decide at a majority provided for in article 67 - 1 of the law of 10 august 1915 , as amended , regarding commercial companies , to authorize the demanding party to acquire more than 20 % , 33 % or 50 % of the shares . if the demanding party is a shareholder of the company , it may attend the general meeting and will be included in the count for the quorum , but may not take part in the vote .
deposit guarantee schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations .
bic ( business identifier code , also known as swift code or swift bic ) is a the mostly used international identifier of financial institutions . swift is the registration authority for bics . bics are used in financial transactions , client and counterparty data bases , compliance documents and many others .
a bic consists of eight or eleven characters , comprising a financial institution code ( four characters ) , a country code ( two characters ) , a location code ( two characters ) and , optionally , a branch code ( three characters ) .
mfi id ( monetary financial institution identifier ) is a code , unique to each institution in the mfi list provided by ecb ( european central bank ) . mfi id is hence applicable to mfis resident in the european union .
the code is alphanumerical , with the first two digits representing the two - digit iso code for the country of residence of the mfi and the remaining number of digits ( no limit has been specified ) is any combination of alphanumerical characters .
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keep in contact with the bank whenever you want , wherever you are : on the move or simply when you ' re at home , you can access the bank 24 / 7 for day - to - day banking via the e - banking area or the bl mobile banking app .
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reflects our positive attitude individually and collectively in working with our clients at every stage of their life and , at the same time , supporting and encouraging our employees at every stage of their career at the bank .
represent the core of our professionalism and emphasise the importance we place on quality , expertise and know - how . they are evident throughout all the services we offer our clients .
is our determination to act in a considerate way , respecting the interests of others and building the trust of our clients ( professional responsibility ) , of our colleagues ( human responsibility ) and our fellow citizens ( through our commitment to society ) .
means our capacity to promote , anticipate and respond to change so we can better adapt to a constantly evolving environment .
diversity is a form of open - mindedness that we encourage so it is integral to our values .
our commitment to diversity was formalised in 2013 with the signing of the lëtzebuerg diversity charter .
diversity is a source of enrichment , which is why we value all the differences and abilities within our teams . our employees – 47 % women and 53 % men – come from 16 different countries .
we expect the best from you , for our clients and for our teams . if you want to see your talents and ambitions recognised , join us and share your pride with ours .
do you want to act in the best interests of the bank , your clients and your career ? are you looking for a motivating professional environment , where innovation is a constant theme ? your talents will be stimulated within our teams to enable you to think bigger and go further .
do you dream of a personalised approach that encourages the development of your skills throughout your career ? are you looking for a stimulating work environment where everything is done to enable you to meet the challenges ? we will give you the means to turn our shared ambitions into reality .
we offer you a fulfilling work environment where you can nurture the balance between personal and professional life . as part of our corporate commitment to society , if you support social , humanitarian or educational projects – or you want to participate in this area – we will support you in your actions and give you the opportunity to join in our corporate citizenship projects .
we pride ourselves on exceptional relationships with our clients and our staff . it is our challenge to build and maintain these relationships , by focusing on personal development and nurturing expertise .
you will receive a personalised career plan designed to develop your talents and expertise and you will have access to training courses , mobility programmes , mentoring and professional guidance . we provide support throughout your career to ensure that your professional expertise and personal talents are brought to the fore .
as a member of staff , you enjoy a range of benefits including free banking , a complementary pension plan , insurance , personal services etc . . our amicale employees ' association has a range of special offers for your leisure and cultural activities .
you have access to a gym and a corporate restaurant offering a selection of healthy options . every three years , you have the opportunity to have a medical check - up . our offices are designed to provide a pleasant working atmosphere - and help you to be more efficient .
you can attend conferences organised at our auditorium and have priority access to exhibitions organised by our partners in the cultural arena ( musée d ' art moderne , philharmonie , etc . ) . you have the opportunity to join in our corporate citizenship projects and can apply for support from the hëllef hëllefen committee for social , humanitarian and educational activities you are involved in outside work .
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friendly team , great opportunity to learn by working directly with experienced manager . nice culture , and beautiful place .
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take a moment to get inspired . bil private banking works with you so that you can support your loved ones . each client is different with a unique personality and specific preferences and needs . we are well aware of this , which is why you can choose the type of relationship that you wish to have with us .
this management will form the basis of a privileged relationship with your own relationship manager . we also promise to use all of our human and technical resources to maintain and develop your wealth . while responsibility is the dominant value in our commercial philosophy , it cannot exist in isolation from our other values : trust , performance , listening , integrity and transparency .
in our interconnected world , the asset management business has been overhauled in terms of approach and remit . the qualities and knowledge that you can rightfully expect from your private bank are becoming ever more numerous and varied . supported by other experts , relationship managers use their skills to provide you with inheritance , asset structuring and financial planning services .
the quality of relations with each of our clients , reflecting our commitment and values .
our team’s expertise , giving you easy access to our network of international experts .
the flexibility of our solutions to take into account specific factors such as complex international / cross - border situations .
its systemic importance has been confirmed by the european central bank . the bil group employs more than 2 , 000 staff worldwide .
€39 . 4 billion of assets under management ( + 4 . 5 % compared with december 2016 )
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development continues in the grande région . bancassurance : a new gap in the market
effective 21 september 2009 , bgl changed its company name , now doing business under the name bgl bnp paribas .
bip’s investment decisions are made by its investment committee after a recommendation by the investment team .
bip i repositioned its approach , building on a strong balance sheet , excellent reputation , reinforced team and significant funds available for further investment . bip i has since been ideally positioned to pursue its long - term value creation aim for the benefits of all its stakeholders .
goldman sachs asset management ( the “gsam funds” ) acquired a significant stake in bip i .
bip announced the first closing of bip fund ( sca ) , sicar ( bip ii ) managed by bip capital partners and supported by the majority of the shareholders of bip i , including gsam funds , and new investors .
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the consortium quickly evolved into a super user group with the objective of substantially supporting , facilitating and standardising the cross - border distribution of funds .
olivier portenseigne is managing director . he is also chief commercial officer , responsible for business development . olivier has long experience in the fund industry .
maxime aerts was responsible for the implementation of the platform from 1 april 2012 .
much of the asset management supply chain operates b2b , with end investors often invisible to fund manufacturers . digitalisation will change this , bringing client needs into full focus .
to improve our website we use google analytics cookies . these small pieces of data placed in your browser show us some of your activities on our website ( such as which pages you ' ve visited , etc . ) and allow us to measure audience on the website . for more information , please visit our data protection page .
while the ultimate shareholders of precision capital have made a range of other private investments – including in areas such as financial services and real estate – precision capital itself holds only the two assets mentioned above .
highly supportive of kbl epb ’s vision , precision capital is focused on unlocking the full potential of the pan - european private banking group . that includes supporting the establishment of a leading presence in every market in which kbl epb currently operates .
the core management team of precision capital is led by george nasra , the firm’s ceo , who also serves as vice chairman of the boards of directors of both kbl epb and bil . a highly respected and internationally prominent banker , nasra served for three decades at national bank of kuwait , then assumed the leadership of international bank of qatar immediately prior to his appointment at precision capital .
nicholas harvey serves as deputy ceo of precision capital . most recently chief risk officer and member of the management board at amlin europe , harvey earlier advised banks and insurers across europe for 10 years as a consultant with mckinsey . english by birth but raised in belgium , harvey graduated from louvain university in belgium and holds an mba from kellogg in the united states .
additional services and advantageous offers for ccp customers / post acquires 10 per cent equity stake in raiffeisen in the context of the reorientation of the ccp .
all electronic transactions between post and raiffeisen are now free of charge thanks to the partnership .
in addition , withdrawals at all raiffeisen and post atms are free for v pay card holders with either a post or raiffeisen current account . 108 atms are available nationwide .
a particularly interesting new development regards post current account customers who are able to easily open and manage the new raiffeisen r - top savings account using their ccp connect . transfers from ccp to r - top accounts and vice versa are easy and convenient to carry out .
together post and raiffeisen emphasise that the r - top savings account offers both their existing and new customers a truly interesting savings account – in many respects .
r - top is secure , flexible and simple to manage via ccp connect . the advantage of this savings account is that , in addition to the normal interest rate on your balance , there are also special offers where the client profits from an additional remuneration for newly deposited funds .
le chiffre d’affaires s’affiche en hausse à 769 , 6 millions d’euros , malgré l’impact du roaming . le résultat opérationnel ( ebitda ) reste stable et le bénéfice net est dopé par les . . .
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deployment of a new commercial strategy focused on the high net worth clientele of private banks and independent high - end managers .
: cardif lux vie records a net inflow of more than €2 . 2 billion just one year after the merger .
2 . 3 billion in premiums and more than €15 billion assets under management with a pre - tax profit of almost €40 million .
: ag incendie establishes itself on the grand ducal market , along with six other foreign companies .
: beginning of international development ; cardif opens in italy , belgium and spain .
: bnp paribas ' insurance companies are grouped together under the same name : bnp paribas assurance .
: groupe bnp paribas becomes the majority shareholder of the bank , which now trades under the name bgl bnp paribas .
: fortis is the product of the merger between groupe ag with amev n . v . ( a large dutch insurance company ) and vsb ( a dutch bank ) .
the ratio of class a shares to class b shares must be maintained at 2 : 1 as required by the articles of incorporation .
of the a - shares , 359 506 172 ( 78 . 13 % of the economic shares ) are currently lodged with the fiduciary and trade in the form of fdrs .
( 2 ) a b - share carries 40 % of the economic rights of an a - share .
( 3 ) all figures have been rounded up to the second decimal , which may result in a rounding difference of the total percentage for a and b - shares .
under ias 33 , the earnings per share and dividend per share calculations should be made using the weighted average number of shares during the period . the weighted average number of shares should be adjusted for the shares purchased by the company .
the company has issued two classes of shares , a and b - shares . each share is entitled to one vote .
no a - shareholder may hold , directly or indirectly , more than 20 % , 33 % or 50 % of the company’s shares unless he has obtained prior approval from the meeting of shareholders in accordance with the procedure described here below . such limit shall be calculated by taking into account all the shares held by the a - shareholder .


serenus johnson construction is a commercial construction company based in bay city , michigan .

the company was founded in 1919 by a finnish immigrant , serenus johnson .

serenus johnson construction

in january , brooks said construction companies included serenus johnson construction in monitor township and spence bros . construction , pumford construction and wolgast construction in saginaw .
office manager – melynne began working in the construction business at serenus johnson construction as . . .
copyright © serenus johnson construction : bay city , mi . all rights reserved .
to get a quote from serenus johnson construction + 2 more of the best .
building permit records show that serenus johnson construction has worked on 43 permitted projects .
check your email inbox and spam folder for details on serenus johnson & son construction .
office manager – melynne began working in the construction business at serenus johnson construction as an administrative assistant in october . . .
from business : founded in 1919 , serenus johnson construction is a full - service construction company . its clients include s . c . johnson wax , immanuel lutheran school , euclid indus…
we recommend getting multiple quotes for any construction project . our free bidding system will get you quotes from serenus johnson construction and 2 other top contractors .
serenus johnson construction worker joe murawski works to settle freshly poured concrete at the delta road entrance of delta college .
analyzing permits over the last 4 years shows that serenus johnson construction mostly works on plumbing and sewer laterals projects .
our building permit records indicate that serenus johnson construction has worked on at least 43 projects over the past 4 years .
disclaimer : freightconnect does not make any claims that serenus johnson & son construction is an actual trucking company or carrier . serenus johnson & son construction information is sourced from the dot and is public information , made available through the foia .
mersen is extremely pleased with the quality of our addition and highly recommend serenus johnson construction to others looking for premium construction accomplished by a team with integrity . ”
for only $ 19 . 99 , you can access all premium data about serenus johnson & son construction . reports include :
buildzoom hasn ' t received any reviews for serenus johnson construction . click here to be alerted when reviews are posted about them .
at serenus johnson construction , professionalism simply means that we provide construction services that result in the customer achieving their goal . we accomplish this by continual innovation of our building methods …
view detailed dot inspection reports , view states serenus johnson & son construction has hauled in , and even get truck and trailer information .
* no active license on file . if you are serenus johnson construction , log in and update your license info in the “edit profile” tab .
quality control – john joined serenus johnson in the summer of 2011 as the quality . . .
serenus johnson construction is a family owned and operated business that has served the great lakes bay region and surrounding area for over 90 years . a full s
for almost 100 years , serenus johnson construction has built a reputation for a superior workmanship and open communication with their customers on a wide range of construction projects . we have learned that our staff of estimator / project…
president / owner bill started with serenus johnson in 1989 as a journeyman carpenter and became a . . .
esitmator / project manager – joel joined the serenus johnson team in march of 2018 as an . . .
estimator / project manager – dave has been with serenus johnson for 32 years . he has extensive . . .
safety manager / field superintendent – billy has been with serenus johnson since 2003 . he began his . . .
three generations and 90 years on , his dream continues to flourish in the form of the business he founded , bay city ' s serenus johnson construction , 5178 kasemeyer .
serenus johnson construction is a commercial / industrial general contractor that has been in business in bay city since 1919 with emphasis in design / build and competitive bid contracting services .
if you are thinking of hiring serenus johnson construction , we recommend double - checking their license status with the license board and using our bidding system to get competitive quotes .
quality control – john joined serenus johnson in the summer of 2011 as the quality control manager . john has over . . .
to print information about serenus johnson & son construction , you ' ll need to sign up for freightconnect . we ' ve made it easy for you to print this information with carrier compliance certificates .
ervice construction provider , the company offers a variety of delivery systems , such as design / build , construction management , and competitive bid .
president / owner bill started with serenus johnson in 1989 as a journeyman carpenter and became a project foreman the following year . . . .
estimator / project manager – dave has been with serenus johnson for 32 years . he has extensive knowledge in all facets of . . .
safety manager / field superintendent – billy has been with serenus johnson since 2003 . he began his career as a yard maintenance . . .
esitmator / project manager – joel joined the serenus johnson team in march of 2018 as an estimator / project manager . his . . .
after making it through the trying times of the great depression and world war ii , the company experienced a spike in business thanks to the construction boom of the 1940s and ' 50s . during this time , johnson ' s youngest son , raymond johnson , joined the business , which took on the name
serenus johnson and son .
serenus johnson arrived in michigan in 1912 , joining five brothers who were already in the country . johnson found work on the freighters of the great lakes and worked as a riveter in local boat manufacturing plants .
in 1996 , tom johnson assumed the company ' s reins as president , when raymond johnson retired . since taking over , tom johnson has overseen a number of substantial projects , including construction of s . c . johnson & son ' s research , development and engineering building , 4867 e . wilder , designed and built in 2000 .
serenus johnson retired in 1962 from the business he started , leaving it to his son to run . among the changes under the new president came a new headquarters .
( l ) bay area chamber president mike seward poses with ambassador sue pike . ( r ) kyle and justin from serenus johnson construction hosted a popular hole , giving away balls mid - way through the event ( when extras were needed most ) !
my father was involved with the company at a very young age , joining probably in his early 20s ,
tom johnson said of raymond johnson .
since 1919 , integrity has been the foundation of serenus johnson construction . as a third generation family business , this integrity is based on a personal and industry standard . our staff and crews share this vision of investing in future by satisfying every customer on each project .
despite the $ 2 million shortfall , buchanan said construction could begin on the new facility .
since 1919 , integrity has been the foundation of serenus johnson construction . as a third generation family business , this integrity is based on a personal and industry standard . our staff and crews share this vision of investing in the future by satisfying every customer on each project .
in the years leading up to world war i , serenus johnson left his native finland for the u . s . , looking to cut his own slice of the american dream .
chief executive officer – tom grew up in his family owned commercial construction business working . . .
“our experience working with serenus johnson was positive from start to finish . whether an issue arose at a meeting , on the phone , or in an email , it was promptly and professionally answered .
johnson serenus construction can be found at kasemeyer rd 5178 . the following is offered : residential contractors . the entry is present with us since sep 8 , 2010 and was last updated on nov 14 , 2013 . in bay city there are 17 other residential contractors . an overview can be found here .
tom johnson said a number of factors have contributed to the company ' s enduring success .
estimator / project manager – dan has over 25 years of experience in the commercial construction field . . .
johnson said most of the company ' s current projects involve education and health - care facilities .
a few years later , johnson planted the seeds for what would grow into the business that remains today .
chief executive officer – tom grew up in his family owned commercial construction business working as a laborer during summer . . .
he came to the land of opportunity like many others did , looking for opportunities of education and to make a living ,
said johnson ' s grandson , tom a . johnson , 53 , current president of the company .
we work with each customer as an individual , with the understanding that our future success is built on a lasting relationship . serenus johnson’s reputation for honesty and fairness extends to the subcontractors . only by developing a team of dependable workmen can we consistently deliver a quality project on schedule .
estimator / project manager – dan has over 25 years of experience in the commercial construction field and has been an estimator / project . . .
“at this time , there is not a construction company for the project , ” said buchanan , who also is owner of buchanan communications in saginaw .
april 28 , 2014 , winston medical center in louisville , ms took a direct hit from an ef4 tornado . on january 5 , 2015 johnson portables was on site to start construction of a new temporary facility , and on april 1 , 2015 the hospital was operating out of this new facility . winston medical center will be operating out of the johnson portables building for about three years while the new hospital is constructed .
mybaycity ' s marlo leveling poses with her uncle , jim peplinski
pep
from gregory construction . ( r ) jim fabiano poses with chamber ambassador sue pike
one of the company ' s biggest projects during this era was the construction of north pointe plaza on euclid and wilder , in bay county ' s bangor township .
he began doing contracting work in 1919 ,
tom johnson said , adding that for the initial years , his grandfather worked out of his home .
“we found that their design team and sub - contractors were easy to work with and they were very thorough and detailed throughout the construction process and were able to stay within the budgeted amount .
in october 2015 johnson portables built a temporary medical facility at spring valley hospital in las vegas . spring valley needs the additional space for an observation unit while the hospital is undergoing renovation .
we utilize many delivery systems to best meet your construction needs including our preferred fast track , high quality , team building and exciting design / build delivery method . let us walk you through our design / build program…
bay city — all is quiet at the corner of washington avenue and tenth street as the dow bay area family y project remains $ 2 million short , without a general contractor and minus a construction start date .
“johnson portables metaspace™ system is a very unique and well engineered solution to building structures required for quick deployment in emergency situations . the raised floor concept with its own integrated foundation is brilliant . ”
from business : founded in 1886 , s c johnson is one of the leading manufacturers of household cleaning products and related items in the world . it is a family - owned and operated …
a general contractor for the $ 13 . 2 million facility was to be selected in february with construction scheduled to begin this spring . the timetable already has been bumped back several times since the project was introduced in 2008 .
from business : all your indoor remodeling needs - electrical , plumbing , construction . . . kitchen . . . baths . . . wood flooring . . . . basement water damage . . . structural problems . licensed …
“whether usage is for houses , hospitals , clinics , or offices the johnson portables metaspace™ solution is a great solution to the issue of rapidly deployable systems that can accommodate a number of emergency needs . ”
as members of the michigan chapter of the associated general contractors since january 1 , 1960 we have been involved with the many improvements made in the commercial / industrial construction industry over these years that serve both our clients and employees well .
“they can go ahead with construction without the $ 2 million , but there are a couple of things that wouldn’t be completed . ” some equipment and a child care center would have to wait until funds are raised , she said .
originally , construction was to begin in october 2008 on a $ 15 . 5 million facility , and be completed in early 2010 . a year later , the campaign was $ 2 . 3 million short with plans to break ground in fall 2009 .
while much of the company ' s work is centered around bay city , johnson said it does undertake projects in saginaw , flint and mount pleasant .
we currently have four projects at central michigan university ,
he said .
( l ) pictured from dow corning are pamela berry , chris heffner , jerrod erpelding and roger schroeder . ( r ) dave sharrow from s . c . johnson pops behind the bay regional medical post to pose with christal milster
with around 33 employees , johnson said
the most important aspect of our longevity . . . would be the people that have worked for us over the years . there is nothing more vital to our success than our employees .
communication was of an utmost concern to us and they were very quick on returning our calls . pre - construction meetings were held regularly allowing us to ask questions and make any necessary plan corrections as they arose , and not once did we hear “we can’t do that” . ”
when it comes to major construction work or even minor alterations to your home , hiring the wrong contractor could result in incomplete or defective work . you may even find yourself dealing with huge liability claims . buildzoom does the homework for you and helps you hire the right contractor .
johnson portables delivers space appropriate for many functions including patient care , ct scan , x - ray , emergency department , sterile processing or surgical suites . the temporary space provides for appropriate standards of care , including tjc ( formerly jcaho ) accreditation .
johnson portables works with you to tailor the right solution for your unique requirements . our patented , panelized building system can be quickly designed and assembled on a system’s campus , parking lot , or adjacent land and available for use prior to the beginning of renovation .
initially , tents were used for temporary medical facilities – an unsustainable solution for the care required by the community . in a short 22 days from enlisting johnson portables , materials for the interim facilities arrived in joplin . phase i was fully operational and occupied four weeks later .
johnson portables has developed an adaptable , durable , portable building system that can be rapidly deployed in a variety of situations . quick to assemble , these panelized portable buildings can be erected and fully functioning within weeks , offering shelter , electrical service , heating / cooling , and bathroom facilities .
by october 3 , 2011 – less than 14 weeks after giving the approval to johnson portables – the full 31 , 000 square - foot portable health care facility was completed and occupied . the interim hospital includes 60 beds , emergency department , icu , access corridors to a catheterization cab , mobile surgical and radiological trailers , and dialysis facilities .
as previously mentioned , you need to make sure to follow any state and local regulations regarding construction work , which includes hiring a licensed or registered general contractor . ask the contractor for proof of their certification before signing anything , as well as their proof of insurance . you should also check your homeowners insurance policy to see if they offer coverage for contracted work . you may want to call your insurance provider and ask for more details on what your plan will and won ' t cover .
there are many general contractors who also specialize in certain tasks themselves . there is usually at least one general contractor on hand to organize the construction of an entire home , for example . but general contractors could also help a homeowner add an additional bedroom , build an in - ground pool or complete a major landscaping project . they could also work with a business to add or improve office space , whether that means making more room or converting a commercial building from a nail salon to a restaurant . basically , if it ' s a job that involves building or repairing , a general contractor probably knows how to get it done .
in essence , general contractors could be thought of as middlemen between a homeowner or business owner and any number of specialists . to get their money ' s worth , many assume they should just
cut out the middleman
and hire specialists directly , but this often proves more difficult in practice . general contractors won ' t be completing an entire project by themselves , but should have a long list of dependable experts who can work together and accomplish any task . they might also serve as the manager on the site of a construction project , overseeing workers and providing guidance and assistance when needed . for larger projects , though , the contractor might only handle administrative matters and employ a foreman or other professional for on - site supervision .
originally located on west fisher and south chilson in bay city , the company moved to its current located on kasemeyer in 1967 .
the company has also built the financialedge community credit union , 1199 s . euclid , in 2004 , and the bay regional medical center ' s west side medical mall , 4175 n . euclid , in 2006 .
we ' re very busy this summer , and happy to be so ,
he said .
we wrestle with that , what would be our legacy or heritage ,
he said .
being a family business , we have the drive and desire to continuously improve in our community .
he also cited the
privilege of working with my father for many years . his allowing me to make decisions and coaching me was very important to me in the transition from one generation to the next .
we put emphasis on doing our very best for our customers , each and every one ,
he said . so far , it has paid off , as word - of - mouth from satisfied customers has played a pivotal role in the company ' s prosperity .
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health care systems face unique challenges as they attempt to provide technologically advanced services in aging facilities . building upgrades are often necessary , but providing top - tier care and revenue continuity can present significant challenges .
“the flexibility of using this system is remarkable . the solution set has been used in hospitals that meet all code requirements . ”
on may 22nd , 2011 , a devastating f5 tornado struck the community of joplin , mo . the tornado’s path of destruction caused numerous deaths , injuries and significant residential and commercial devastation . st . john’s medical center in joplin sustained a direct hit . the nine story , 367 bed hospital suffered irreparable damage .
to solve the customer’s critical need for temporary , energy efficient , code compliant medical facilities by supplying a rapidly deployable , customized , hard walled building system , fully equipped with hvac , water , and electrical hook - ups .
our close working relationship with the carpenters 706 and laborers 1098 labor unions provides beneficial strengths to our company that in turn benefits our customers .
estimator / project manager – rick joined the company in the summer of 2010 as an estimator . . .
assistant project manager / administrative assistant – emily has over four years of experience as a . . .
estimator / project manager – rick joined the company in the summer of 2010 as an estimator / project manager . he has . . .
assistant project manager / administrative assistant – emily has over four years of experience as a non - profit office administrator , serving in . . .
column for the project that you are inquiring about . you may also contact the estimator via email by clicking on the
for the project . bids are due to emily @ urltoken or faxed to 989 - 686 - 9970 .
if the project that you are looking for is not listed here , please email emily @ urltoken for more information .
© copyright 2018 midland area chamber of commerce . all rights reserved . site provided by growthzone - powered by chambermaster software .
their buildzoom score of 0 does not rank in the top 50 % of michigan contractors .
for more details about their pricing , check out their recent activity to see how much they have charged for different types of work .
interior renovations for suite b & c 3226 & 3220 fashion square blvd . plans are in the job file . apl . is in the job file
misc . interior renovations americal general finance plans are in the job file . apl . is in the job file
michigan requires contractors performing any work on residential properties to be licensed with the michigan department of licensing and regulatory affairs .
contractors in michigan must complete a 60 hour approved prelicensure education class prior to taking a buisness and law exam . contractors are required to take continuing education upon renewal of an active license .
michigan requires licensed contractors to carry an active workers ' compensation policy . although general liability insurance is not required under michigan state law , it is always advisable to hire contractors who carry it . request copies of the certificates for both forms of insurance for your records .
the buildzoom score is based on a number of factors including the contractor ' s license status , insurance status , verified work history , standing with local consumer interest groups , verified reviews from other buildzoom users and self - reported feedback from the contractor .
before hiring a contractor in michigan , be sure to get at least 3 detailed bids . quality contractors will take the time to explain their budget proposal , and help guide you through the estimate process . be wary of an abnormally low bid , they are not worth the risk . these underpriced projects often do not end well for the homeowner , choose a contractor you trust and can clearly communicate with . buildzoom has made the bid collection process extremely simple ( and free ) . just click here to get started .
buildzoom has one simple purpose : to help you find the perfect contractor for any job , commercial or residential .
buildzoom is a database of every licensed contractor in the united states . we work hard to figure out who the great contractors are , and who the bad contractors are .
buildzoom combines license information on 3 . 5 million contractors with 140 million building permits , and over 80 , 000 reviews from property owners . if you are looking for a specific contractor and you can’t find them on buildzoom , it’s likely that they do not have a license - please contact us and we’ll try to help !
the best way to use buildzoom is to let us recommend contractors for your remodeling projects .
homeowners who hire through buildzoom ' s free bidding system report high rates of satisfaction , and homeowners who research contractors online are twice as likely to be happy at the end of their project .
if you hire a contractor through buildzoom , that contractor is accountable to us . we can enforce standards of behavior , mediate disputes , and guarantee satisfaction .
buildzoom’s database now contains every licensed contractor across the u . s . - over 2 . 5 million of them . . . categorized contractor profiles are enriched using government data from state licensing boards , better business bureau ratings , and more…
buildzoom jumped into the fray by announcing that it raised $ 10 . 6 million in a round led by formation 8 . . . . the y combinator - backed startup said it will be focused on remodeling projects , where the median budget is around $ 19 , 000…
a new index compiled by buildzoom — which identifies contractors for projects — found that renovations are running 2 . 8 percent above their 2005 level…
projects range from new buildings to additions to remodels , the company works with a wide range of markets , including health care , corporate offices , financial , education , industrial , retail , religious , governmental and agricultural .
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an artist rendering of the new dow bay area family y building at the corner of washington and tenth in downtown bay city .
the project also was split into two phases , with the first phase costing $ 13 . 2 million for the initial building , and the second phase costing $ 2 . 3 million for a competitive swimming pool and two community rooms .
in january , y officials said finalizing a design had taken more time than expected , and hoped to break ground this spring .
earlier this month , joy buchanan , a retired communication consultant for dow chemical co . , was hired by the y to serve as the official spokeswoman for the project .
midland - based dow chemical has contributed $ 4 million to the project in return for naming rights and the inclusion of the company’s logo on the new y building .
konnie licavoli , president of the bay area family y’s board of directors , could not be reached by the times for comment , and scott carmona , another member of the board , declined to comment .
“the care center may be framed in , but there would be no walls and it wouldn’t be finished , ” said buchanan .
“we’re going to talk to people , encourage them to give and build our contact list , ” said buchanan . “we won’t be doing a massive pr campaign , it will be more of a one - on - one fundraising effort . ”
members haven’t received any information on when a groundbreaking may take place , said bill french , 70 , of bay city , who has been a member of the y since he was 7 years old .
“i know where it’s going to be located , but that’s about it . ”
the 118 , 000 - square - foot y facility will be built on a piece of land next to bay city hall and adjacent to the 40 - acre uptown at riversedge site .
buchanan said it’s not about just starting the project — it’s about completing it .
“people shouldn’t be discouraged , ” she said . “we are certainly on track , that’s not an issue . it’s going to happen , it’s just a matter of the best time and when we can secure our funding . ”
buchanan said that bids have been received for the project and y officials have met with various companies . she declined to say how many or which companies have submitted bids .
“we are confident at this point that the fundraising will be accomplished , ” said buchanan .
this months articles : demolition : the fine art of dismantling - an art deco gem on its way back from the brink - insurance & bonding - rising . . .
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the 24th annual bay area chamber of commerce golf outing was a scramble to not only take home one of the many donated prizes , but to stay dry from threatening storms overhead throughout the day . with the help of mother nature however , the rain held off until the very end of the outing !
the day kicked off with a continental breakfast and a shotgun start ! many different contests were held throughout the outing from longest drive to closest to the pin . the outing was wrapped up at the club house with a social hour and hors d ' oeuvres followed by an awards presentation !
yeo & yeo , p . c . , cpa ' s & business consultants
( l ) the michigan works ! gang takes a break to pose for mybaycity camera . ( r ) joellen from the bay area chamber does a pit stop at the covenant healthcare hole !
( l ) meadowbrook insurance crew , brandon sutkowi and jeff anderson along with dennis johnston and dan mcevoy of independent mortgage . ( r ) citizens bank hole gave out coke - n - cozies !
( l ) ed spence , kevin leitz , jim schell and scott mcculloch take a break and show their pearly whites ! ( r ) chemical bank ' s
save michigan
campaign was a hit at the outing . pictured are crystal wackerly and suzanne neering .
( l ) andrews hooper & pavlik gang
lose their cool
with the men ! pictured are lori appold , tim holsworth , randy morse and diane thompson . ( r ) bay area chamber of commerce representative joellen ensures everything is running smoothly
( l ) mike debo , 1st vice president of chemical bank poses with jason dore . ( r ) pictured is the wiog crew amanda , jessica , melissa , angela , dan and nikki !
( l ) leanne & diane , chamber ambassadors finally move forward after thinking their cart had died . . . it was in neutral ! ( r ) bay city country club chef dean schultz and rusty publow cruise the holes to ensure everything was a - okay !
the 2008 golf outing committee and the bay area chamber of commerce sincerely appreciate the support and contributions from sponsors , prize donors and participants . they would like to thank you all for making the 2008 outing a phenomenal success !
prior article july 9 , 2018 by : o . j . cunningham 2018 community center pool free swim days !
ads by m y b a y c i t y . c o m
bay city , michigan usa all photographs and content copyright © 1998 - 2018 by oja / mmcc . they may be used by permission only . p3v3 - 0200 ( 1 ) 0 id : default userid : default type : reader r : x pubid : mbc newspaperid : nopaperid pid : 1560 pd : 11 - 18 - 2012 nd : 2018 - 07 - 05 ax : 2018 - 07 - 09 site : 5 articleid : 2898 maxa : 999999 maxaa : 999999 python / 3 . 5 aiohttp / 3 . 3 . 2
yp - the real yellow pages sm - helps you find the right local businesses to meet your specific needs . search results are sorted by a combination of factors to give you a set of choices in response to your search criteria . these factors are similar to those you might use to determine which business to select from a local yellow pages directory , including proximity to where you are searching , expertise in the specific services or products you need , and comprehensive business information to help evaluate a business ' s suitability for you . “preferred” listings , or those with featured website buttons , indicate yp advertisers who directly provide information about their businesses to help consumers make more informed buying decisions . yp advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top , side , or bottom of the search results page .
on time , on budget , what else could you ask ? oh ya . . . . a truly honest businessman . terry did exactly what we hired him to do . never once attempted t…
a furnace was installed by them a few years prior to us buying a new house . the furnace they installed quit shortly after we purchased our home and …
excellent service ! you will not be disappointed . we don ' t live in the caseville area , but have a cottage there . on one ocassion , we had a lot of p…
check out the cutest newborns from zoos around the country and learn where you can see them .
trimming and removing trees can be dangerous , if not deadly . learn how to stay safe and when to call a professional .
from vacation ideas to gardening preparation , check out our september checklist to enjoy the rest of summer and get ready for fall .
employers must conduct all required training in a language and vocabulary that workers can understand . training must demonstrate the hazards of operating certain machinery , like stone cutters and splitters , as well as how to use them appropriately . it ' s important to verify that your landscape contractor has taken the necessary steps to fully train its personnel and that the appropriate safety precautions are in place .
check the specific regulations for your area , and verify that your contractor has the necessary licenses . these may include a state contractor ' s license , pesticide license , cdl driver ' s license and license to sell and purchase nursery stock .
landscape work is not cheap , so it ' s in your best interest to make sure that it ' s done to your requirements and that you get the best contractor to do the job . homeowners should know how much they ' ll need to pay for the contractor ' s service as well as how they will be billed for this work . ask about any design fees , if quoted prices are fixed or estimates , and what the payment process will be . clarifying these items in the beginning will prevent any surprise expenses .
yes . homeowners should require that the contractor submit certificates verifying compliance with safety , insurance , workers ' compensation and drug and alcohol testing programs . this will give you peace of mind that the contractor has gone through all the steps under industry regulations .
yes . every good contractor should have a list of recently completed jobs that you can see in their portfolio . they should also have a list of references that you can contact , or properties that you can see in person .
yes . homeowners need to anticipate equipment access needed to create a deck or patio , as some tools may be too big for the space .
japanese - style landscapes are known for providing a serene space . this design uses a number of techniques to make the area look bigger than it is and to create a calm , beautiful atmosphere .
if you live in an arid region , this style is likely going to be the best choice for your landscaping . using a mix of garden decor and plants , southwest design aims to make the most of plants that retain water well and can handle dry , warm climates .
mediterranean - style landscaping takes its cue from the gardens and plants found in greece , italy and other mediterranean countries . it is a popular choice that takes advantage of new varieties of palm trees and plants that conform to different climates , and includes tiles and furniture that compliments the plants .
these professionals have the best materials and tools available to create the look that you desire . diy projects can end with structurally unsound builds , requiring additional time and money to fix the issues . good landscapers will ensure a solid result that melds with the rest of your landscape design .
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my cat is 11 and i thought it was time to put her to sleep because of some health issues . dr . anthony was able to diagnose and treat kaya appropriately while also giving me the emotional support i needed . kaya is returning to her playful self . thank you !
this is definitely the best veterinary clinic i have ever been to , dr . anthony always takes the time to answer all of my questions and always explains everything she is doing with my pets , whether it be a simple blood test or a spay / neuter . i have been going here for a little over a year and can honestly say i will never go to anyone else , both the staff and the doctor here are always friendly and extremely helpful . i always feel confident when leaving my pets with dr . anthony because i know they are in good hands . definitely reccomend bringing your pets here !
been going to this vet for ~ 5 years now . used to go to a different vet in the area but had an awful experience and found this one ! i never wait long . i often take two dogs at a time and they are quickly weighed and seen by staff . dr . anthony manages my elderly dog ' s seizures beautifully . both dogs get fast and easy blood draws there . staff is very friendly . i never have an issue getting my dogs out of the car to go to the vet . staff has even helped me take the dogs back to the car when i have my kids with me !
choosing the right vet for your pet can be tough . after all , your furry friend can ' t tell you how he or she feels about the doctor . even though you ' re not the one treated by the vet , whoever your animal sees is obviously your decision . since many veterinary diseases and injuries can turn into emergencies very quickly , it ' s important to have a go - to vet . this way , you can ensure you ' ll know whom to see when your animal needs care .
speak to your friends and family about vets who ' ve treated their pets . you can even talk to your groomer or an animal shelter worker for referrals . when you visit the clinics you ' ve been referred to , check that the facility is clean , animals are separated and the staff is calm and courteous . not all clinics are american animal hospital association accredited . this accreditation isn ' t a legal necessity , though a clinic that ' s aaha - accredited is guaranteed to offer high - quality medical care . to receive accreditation , the clinic has to meet the aaha ' s standards in the areas of facility , equipment and quality care .
if you ' re looking for a specialist , you want to make sure he or she is board - certified to practice in that specific area of animal medicine . you ' ll want to make sure your vet is also convenient to visit , so there are factors to take into account .
look for a vet who ' s close to your house , as many animals don ' t like being in the car for a long time . if there ' s an emergency , you want to make sure you can get your pet to the vet as quickly as possible .
though all veterinary clinics must be able to make arrangements to see their clients ' pets outside of office hours if there ' s an emergency , these arrangements may not always be at the facility you ' re used to . double check with the office to see where the emergency facility is .
some clinics have longer hours than others . if you work a 9 - 5 schedule , make sure the office is open on nights and weekends .
whether you have pet health insurance or not , it ' s still worth checking what the regular costs for typical procedures are at the vet ' s office . there isn ' t a set standard when it comes to price , so it ' s good to know that you ' re not looking into a clinic that ' s beyond your means .
the type of animal you own should play a part in which vet you choose as well . while your options are vast if you have a dog or cat , you may have to visit an avian clinic for your bird or an exotics clinic for your snake .
just as there are many types of doctors , there are many types of vets . some focus on livestock or house pets , while others may specialize in dentistry or surgery . they may work in a veterinary clinic or zoo , working specifically with the animals housed there , or travel to farms to work with livestock . since horse racing and other equestrian activities are so popular , some vets are trained to work just with horses .
diseases , like malaria and yellow fever are also transmitted through animals . some vets have insight to diseases that affect both humans and animals . vets have contributed to the treatment and cure of many diseases that plagued both humans and their furry friends .
government agencies employ veterinarians as well . when an animal comes from a foreign land , these vets quarantine them and check for any diseases that may be present in an effort to control new diseases that can be brought into the country . other specific types of vets include :
private practice veterinarians : this is the most popular type of veterinarian , and many of these professionals work at clinics . they may also go to farms to care for livestock that can ' t be transported to the clinic .
teaching and research : these vets work at veterinary schools , training students who are planning on joining the veterinary field . they may also work in college labs conducting research pertaining to animal health .
regulatory medicine : these vets work closely with diseases rather than animals themselves . their responsibilities include controlling or eliminating illnesses , and protecting the public from diseases in animals . they may also work with the u . s . department of agriculture ' s food safety and inspection services .
public health : these vets are also known as epidemiologists . they work for cities , counties , states or federal agencies to help control and prevent animal and human disease . public health vets may work for the fda to determine the safety of medicines and food additives .
uniformed services : the u . s . army veterinary corps employ these vets . they ' re responsible for biomedical research and development .
private industry : these vets go to school solely for positions in pharmaceutical and biomedical research . they work in labs that produce chemicals , drugs and vaccines for both humans and animals .
a vet assistant works alongside the veterinarian and helps out around the clinic . in some cases , they may assist vets in surgery or restrain struggling animals during tests or lab work . the everyday duties of a veterinary assistant include ; monitoring and caring for animals after surgery , keeping medical records , cleaning animals ' teeth , feeding and bathing them , cleaning cages , sterilizing surgical equipment , giving animals medication , collecting samples for testing and performing laboratory tests , and offering grief counseling to pet owners .
it ' s a good idea to bring your pet to the vet regularly . this way , he or she becomes familiar and comfortable with the care providers , and you can stay on top of your pet ' s preventative care . if the animal is small enough , bring it to the office in a carrier . just as you visit the doctor for a yearly check up , you should bring in your pet for regular check ups as well . during a routine veterinary visit , the vet will probably begin by asking you if there have been any changes in your pet ' s behavior or habits .
the vet will then take your pet ' s vitals , like weight , temperature , pulse and respiration rate , and perform a physical examination of the pet . during a physical exam , the vet checks the abdomen for swollen organs , and the legs , feet and joints for any potential problems . depending on the age , breed or condition of your pet , your veterinarian may also check the eyes , ears and mouth .
when your vet conducts a full body examination , he or she will check out your pet ' s coat and skin , noting any hair loss , itchy spots or lumps . keep note of your animal ' s shedding habits so you can let the vet know if anything seems abnormal . the vet will check for parasites , fleas , ticks , mites and heartworms as well .
vaccinations are also important to your pet , especially if you have a cat or a dog , and your vet will suggest that you make sure they ' re current . keeping up to date with vaccinations can prevent your furry friend from getting distemper , rabies , hepatitis and lyme disease . some vaccinations last longer than others , so speak to your doctor about staying caught up with your animal ' s shots .
just like your own health insurance , you want to make sure your animal is covered before he or she needs veterinary services . some common animal surgeries can cost thousands of dollars , and you don ' t want to end up having to foot a surprise bill that costs more than your paycheck .
there ' s no set price for pet health insurance . costs can depend on factors such as where you live , the age and breed of your pet , and how much coverage you want . before you take out a pet insurance policy , you ' ll want to meet with your vet to go over what he or she thinks your animal should be covered for . many vets believe that you should make sure cancer , chronic disease , hereditary and congenital disease , and common breed - related medical conditions are all addressed in your policy .