Thai Oil on Sustainable Energy, Business Strategy & Future Growth | Exclusive Interview

23 Jul 2026 · 23 views

How is Thai Oil navigating the evolving energy landscape while advancing its long-term sustainability strategy? In this exclusive interview recorded at the London Stock Exchange Studios, a senior executive from Thai Oil discusses the company's strategic priorities, commitment to sustainable energy, operational excellence, and the opportunities shaping the future of the energy and chemicals industry. The conversation explores: Thai Oil's long-term business strategy Sustainability and ESG initiatives Energy transition and industry trends Innovation and operational excellence Future growth opportunities As one of Thailand's leading integrated energy companies, Thai Oil continues to focus on creating long-term value through responsible operations, innovation, and sustainable business practices. Learn more about Thai Oil: https://www.thaioilgroup.com Subscribe for more executive interviews and industry insights. Interview by Global Banking & Finance Review Visit: https://www.globalbankingandfinance.com Global Banking & Finance Review - Breaking News, Analysis & Awards Global Banking & Finance Review delivers authoritative insights, analysis, and benchmarking across banking, capital markets, and financial technology. #ThaiOil #Energy #Sustainability #ESG #EnergyTransition #OilAndGas #Chemicals #BusinessStrategy #Leadership #LondonStockExchange #LSE #CorporateLeadership #FutureEnergy #Innovation

How Al Madina Takaful Became the Middle East's Best General Takaful Provider | Exclusive Interview

29 Jun 2026 · 259 views

What does it take to become the Best General Takaful Provider, Middle East 2026? In this exclusive Global Banking & Finance Review interview, Philip Fothergill speaks with Shakaib Mahmood, Deputy CEO, and Aneesh Varghese, General Manager & Head of Operations at Al Madina Takaful, following the company's award win. Discover how Al Madina is driving innovation in Islamic insurance through digital transformation, disciplined underwriting, customer-centric claims management, ESG principles, strategic partnerships and sustainable growth. The discussion explores: • The evolution of Takaful in Oman and the Middle East • Digital transformation in insurance • Risk management and underwriting strategy • Customer trust and transparent insurance • ESG and Shariah-compliant finance • Future opportunities for Takaful • Innovation, partnerships and long-term growth Watch the full interview to learn how one of the region's leading Takaful providers is preparing for the future of insurance. Interview by Global Banking & Finance Review Visit: https://www.globalbankingandfinance.com Global Banking & Finance Review - Breaking News, Analysis & Awards Global Banking & Finance Review delivers authoritative insights, analysis, and benchmarking across banking, capital markets, and financial technology. #AlMadinaTakaful #Takaful #IslamicFinance #Insurance #DigitalInsurance #FinTech #MiddleEast #Oman #RiskManagement #ESG #FinancialServices #InsuranceInnovation #Leadership #GlobalBankingAndFinance #GBAFAwards

From Resilience to Innovation: Sucor Asset Management’s Vision for the Future

17 Dec 2025 · 7k views

Exclusive Interview in London with Dimas Yusuf, Investment Director at Sucor Asset Management

How AI, Cash are Transforming Banking in Europe

5 Dec 2025 · 3.1k views

In this exclusive interview, Helena Müller, Vice President Banking Europe at Diebold Nixdorf, provides a comprehensive look at the forces transforming the European banking landscape. She discusses why cash remains essential even as digital payments grow, explaining that consumers still value choice and that cash plays an important role in financial stability and national resilience. Müller also explores how rapidly rising customer expectations are reshaping the industry, with banks now focused on creating seamless, personalized, and consistent experiences across mobile, online, self service, and branch channels. She highlights the increasing importance of managed services as banks look for ways to simplify operations, reduce internal burdens, and improve the availability and reliability of their networks. As digital adoption accelerates, Müller explains that physical branches remain relevant because they support complex financial conversations and provide trusted human interaction. The challenge is to turn branches into efficient and insight driven environments that deliver real value to customers. Müller also examines how data, sensor technology, and artificial intelligence are revolutionizing ATM and self service operations. These capabilities allow institutions to predict and prevent technical failures, manage cash more intelligently, and improve service performance. Sustainability is another key theme, with modern ATM designs reducing energy consumption, extending component life, and lowering emissions through fewer service visits and more efficient cash handling. She addresses the growing regulatory pressures across Europe and notes that compliance, when supported by strong technology and governance, can become a driver of modernization rather than an obstacle to innovation. Müller emphasizes that advanced software, personalization, and frictionless channel integration are now fundamental to delivering an excellent customer experience. Looking ahead, she predicts that banking will move into a new era shaped by artificial intelligence, where intelligent systems support and enhance human expertise rather than replace it. She explains that Diebold Nixdorf is well positioned to help banks build stronger and more connected service environments that unite the digital and physical worlds and that meet the evolving expectations of customers across Europe.

How Digital Currencies Will Transform Payments and the Future of Money Globally

10 Nov 2025 · 3.6k views

Digital currencies are set to reshape the way banks operate and change the way people use money worldwide. Hi, I’m Wanda Rich, Editor of Global Banking & Finance Review. Today, we’re exploring how digital currencies will transform banking, finance, payments, and the future of money globally. Let’s start with the basics. Digital currencies are forms of money that exist entirely online. Unlike traditional cash or bank deposits, they rely on blockchain technology, secure ledgers, and cryptography to track ownership and transactions. Some like Bitcoin and Ethereum are decentralized, meaning no single institution controls them. Others such as central bank digital currencies or CBDCs are issued and regulated by governments. So why does this matter for banking? First, digital currencies can streamline payments. Cross-border transfers that once took days and carried high fees could become nearly instantaneous and cost far less. For banks, this means rethinking how they handle transactions, settlements, and remittances. The rise of programmable money where transactions can include automated rules or smart contracts could further reshape lending, payments, and trade finance. Digital currencies also introduce new challenges for traditional banks. Security, regulatory compliance, and customer trust are critical. Banks must adapt their infrastructure to safely integrate digital assets while staying compliant with anti-money laundering and know-your-customer rules. Those that move quickly could gain a competitive advantage offering faster and more efficient services, while laggards risk losing customers to fintech firms or decentralized platforms. Another major impact is on monetary policy. Central banks can now experiment with digital currency models that influence liquidity, interest rates, and financial inclusion. Imagine a world where citizens can hold digital wallets directly with a central bank, bypassing traditional accounts, or where programmable CBDCs allow governments to deliver stimulus payments directly and instantly. These developments could fundamentally alter how banks operate within the financial system. The growth of digital currencies also expands financial inclusion. Populations without access to traditional banking can use digital wallets to save, pay, and transact securely. In emerging markets, this could democratize finance giving millions of people opportunities previously out of reach. Banks that embrace these innovations can tap into entirely new customer segments and markets. However, adoption will not happen overnight. Regulatory frameworks are still evolving, technology infrastructure needs upgrading, and consumers must gain trust in these new systems. Banks that understand the landscape, invest in innovation, and educate their customers are likely to lead the way. Those that hesitate may find themselves playing catch-up in an increasingly digital economy. In short, digital currencies are more than a trend. They are a catalyst for transformation in banking. They promise faster payments, expanded inclusion, new business models, and even changes to monetary policy. Banks that embrace the shift with foresight and agility will be better positioned for the future. As we look ahead, the integration of digital currencies into the global economy will continue to accelerate. Central banks, commercial institutions, and technology innovators are already collaborating to define new frameworks that balance innovation with stability. The shift won’t happen overnight, but it is well underway — transforming how we think about value, trust, and exchange in the digital age. For banks, this is not merely a technological evolution but a strategic one. Those that embrace change, invest in secure digital infrastructure, and build partnerships across borders will help define the next generation of financial services. For consumers, it marks the beginning of a more connected, transparent, and inclusive financial world. The future of money is being written now — in code, in collaboration, and in confidence. And as digital currencies continue to evolve, they will not only transform the mechanics of finance but also reaffirm its most essential purpose: connecting people, businesses, and economies across the world. I’m Wanda Rich and this has been your guide to How Digital Currencies Will Transform Banking Finance Payments and the Future of Money Globally. The future of finance is digital and now is the time to understand what it means for institutions, investors, and everyday users alike.

Yield Curve and Inverted Yield Curve Explained | Economy, Inflation & Recession

5 Nov 2025 · 1.1k views

When economists and investors talk about the health of the economy, there’s one chart they all keep an eye on — the yield curve. It might sound technical, but this simple curve has a remarkable history of predicting economic slowdowns and recoveries. Hi, I’m Wanda Rich, Editor of Global Banking & Finance Review. Today, we’re breaking down what the yield curve is, why it matters, and what it can tell us about where the economy is headed. Let’s start with the basics. The yield curve is a graph that shows the relationship between interest rates — or yields — and the time it takes for government bonds to mature. In most countries, economists use government bonds as the benchmark because they’re considered low-risk and highly liquid. Picture a line that starts on the left with short-term bonds — like three-month or two-year notes — and extends to the right with long-term bonds — like 10-year or 30-year bonds. The yield curve plots the interest rate of each maturity point. When you connect those points, you get a shape — and that shape tells a story. In a normal yield curve, long-term bonds have higher yields than short-term ones. That’s because investors expect to be compensated for locking up their money for a longer time. A normal curve slopes upward — short-term rates are lower, long-term rates are higher — and that usually signals a healthy, growing economy. But sometimes, the curve changes shape. And that’s when things get interesting. An inverted yield curve happens when short-term interest rates are higher than long-term rates. That means investors believe the economy will slow down in the future — so they’re locking in long-term bonds for safety, even at lower returns. An inverted curve is often seen as a warning sign of an upcoming recession. Historically, this pattern has been surprisingly accurate. In the United States, nearly every recession over the past 60 years has been preceded by an inverted yield curve — from the downturns of the 1970s, to the dot-com crash in the early 2000s, to the global financial crisis in 2008. So why does this happen? It comes down to expectations. When central banks raise short-term interest rates to fight inflation, borrowing becomes more expensive. Consumers and businesses may spend less, and growth slows. If investors think that slowdown will lead to lower rates later, they shift money into long-term bonds — driving those yields down. That’s what causes the inversion. There are other shapes too. A flat yield curve means short-term and long-term rates are about the same — a sign that the economy may be at a turning point. A steep yield curve happens when long-term rates rise much higher than short-term ones, often early in a recovery, when investors expect faster growth and possibly more inflation. In short, the yield curve is a kind of economic mood ring. It reflects what investors collectively believe about future growth, inflation, and interest rates. To make this more concrete, let’s imagine an example. Suppose short-term government bonds are yielding 5 percent, while long-term bonds yield only 4 percent. That’s an inversion — short-term rates are higher than long-term rates. It suggests investors think the central bank will have to cut rates in the future, likely because the economy is expected to cool. Now, it’s important to remember that the yield curve doesn’t cause a recession — it simply reflects expectations that one might occur. It’s a warning light on the dashboard, not the engine itself. There have been rare cases where the curve inverted but no full recession followed, or where other factors distorted bond markets — like massive central bank bond purchases. Still, it remains one of the most closely watched indicators in global finance. When it inverts, markets, policymakers, and the media all take notice. But what happens after an inversion? Usually, there’s a lag. Historically, recessions have tended to begin anywhere from six months to two years after the curve first inverts. During that time, other economic indicators — like employment, spending, and corporate earnings — start to weaken. So what can investors and businesses do with this information? For investors, the yield curve helps guide decisions about risk and timing. When the curve flattens or inverts, it may signal a shift toward defensive strategies or safe-haven assets. For businesses, it can influence borrowing decisions, as short-term rates rise and long-term financing becomes relatively cheaper. Central banks also watch it closely. An inversion can pressure policymakers to consider whether rates have been raised too far, too fast. It’s not the only tool they use, but it’s one of the simplest and most reliable gauges of market sentiment. In recent years, the yield curve has been inverted in several major economies including the U.S. and parts of Europe sparking debate about whether another slowdown could be ahead. At the same time, strong employment and resilient consumer spending have

Different Types Of Banking and How Each Type of Bank Operates

3 Nov 2025 · 2.8k views

Have you ever wondered why there are so many different kinds of banks — and what actually separates them? From the branch you visit on the corner, to the institutions behind billion-dollar deals, each type of bank plays a unique role in the financial system. Hi, I’m Wanda Rich, Editor of Global Banking & Finance Review. Today, we’re breaking down the key differences between retail, commercial, and investment banking — what they do, who they serve, and how they shape the economy. Let’s start with retail banking — the kind most of us interact with every day. Retail banks serve individual customers and households. They offer checking and savings accounts, credit and debit cards, personal loans, car loans, and mortgages. They’re the ones helping you deposit your paycheck, pay your bills, or apply for a home loan. Retail banking is all about accessibility and convenience — online apps, ATMs, and local branches that make managing your money simple. For the bank, profits come mainly from the difference between the interest they earn on loans and the interest they pay on deposits, along with small service fees. Because they deal directly with the public, retail banks are heavily regulated to protect consumers and ensure financial stability. Now let’s move to commercial banking, which focuses on businesses rather than individuals. Commercial banks provide services that help companies operate, grow, and manage their finances. They offer business checking accounts, lines of credit, commercial real estate loans, and treasury or cash-management services. They help companies manage payroll, fund expansions, and even support international trade through letters of credit. The loans are larger, the relationships more customized, and the risks more complex than in retail banking. For commercial banks, success depends on understanding the needs of each business and assessing credit risk carefully. Their income comes from the interest on business loans and from fees for specialized services. Then there’s investment banking, which operates in a completely different arena. Investment banks don’t take deposits or issue personal loans. Instead, they help companies, governments, and institutions raise capital and make strategic financial moves. If a company wants to issue new stock or bonds, merge with another business, or go public on the stock exchange, an investment bank steps in to make it happen. They advise on mergers and acquisitions, underwrite securities, conduct research, and sometimes engage in trading or market making. Instead of earning interest like traditional banks, investment banks make money through advisory fees, underwriting fees, and trading profits. This world moves at high speed and carries high stakes, but it’s crucial for keeping global capital markets running. So, how do these three types of banks differ at their core? It really comes down to who they serve and what they do. Retail banks serve people — they focus on everyday financial needs. Commercial banks serve businesses — helping them borrow, invest, and manage cash. Investment banks serve institutions and large corporations — connecting them to capital and guiding major financial decisions. You can think of it like this: Retail banking helps you buy a home. Commercial banking helps a business build that home. And investment banking helps the company that manufactures the building materials raise the money to expand. While these categories sound separate, in today’s world the lines often overlap. Many large financial institutions now offer all three types of services under one roof. They might have a retail division for everyday customers, a commercial division for businesses, and an investment arm for large corporate clients. But even when they operate together, each side follows different rules, regulations, and risk controls to prevent conflicts of interest and keep the system safe. Why does understanding this matter? Because knowing the difference helps you see where your money fits into the bigger financial picture. When you deposit your paycheck, take out a loan, or invest in a company’s stock, you’re interacting with different layers of the same financial ecosystem. Each plays a distinct role in how money moves through the economy — from personal savings to business growth to global markets. In short, retail banking is about individuals and accessibility. Commercial banking is about businesses and growth. Investment banking is about capital markets and strategy. Together, they form the foundation of modern finance. I’m Wanda Rich, and this has been Differences Between Retail, Commercial & Investment Banking. Join us again next time as we continue to make the world of finance clear, relevant, and accessible for everyone, everywhere. By understanding the distinct roles of retail, commercial, and investment banks, you gain a clearer picture of how money moves through the economy, how businesses grow, and how financial markets operate.

The Return of Inflation: What’s Driving It and How Central Banks Are Fighting Back

27 Oct 2025 · 1.8k views

Prices are rising again. From groceries to gas, rent to utilities, the cost of living feels heavier than it did just a few years ago. Inflation — that word we hadn’t heard much for decades — is back in the headlines. Hi, I’m Wanda Rich, Editor of Global Banking & Finance Review. Today, we’re unpacking why inflation has returned, what’s driving it, and how central banks around the world are working to bring it back under control. Let’s start with the basics. Inflation simply means prices are going up — but it’s not always bad. A little inflation is normal in a growing economy. What worries policymakers is when inflation rises too quickly or stays high for too long. So, why is it back? After years of stability, a series of shocks hit the global economy all at once — and together, they set the stage for higher prices. The first big factor was supply chain disruption. When the COVID-19 pandemic hit, factories shut down, shipping routes stalled, and materials ran short. Even as demand recovered, supply couldn’t keep up. That imbalance pushed prices higher on everything from electronics to food. The second was energy and commodity prices. Geopolitical tensions and climate-related events drove oil, gas, and grain prices higher, feeding into everything we buy and transport. When energy gets expensive, almost everything else does too. Third, surging demand and stimulus played a role. Governments supported households and businesses through the pandemic with cash injections and relief packages. When restrictions lifted, consumers were ready to spend — fast. That flood of demand collided with limited supply, sending prices soaring. Fourth, we’re seeing the impact of deglobalization. For years, global trade kept prices low. But now, companies are moving production closer to home to avoid future disruptions. That adds resilience — but also raises costs. And finally, expectations matter. When people believe prices will keep rising, they act accordingly. Workers ask for higher wages, and businesses raise prices to protect margins. Those behaviors can make inflation more persistent. All of these forces combined to create the highest inflation many countries have seen in 40 years. So, what are central banks doing about it? Their main goal is price stability — keeping inflation low and predictable. And their most powerful tool is interest rates. When inflation rises, central banks raise interest rates. That makes borrowing more expensive — for mortgages, car loans, and business credit. Higher rates slow down spending and investment, which helps cool demand and ease price pressure. They’re also using quantitative tightening — the process of reducing the large-scale bond purchases they made during years of easy money. By allowing those assets to roll off their balance sheets, they’re pulling liquidity out of the system. It’s like gently pressing the brakes on an overheated economy. At the same time, central banks are using communication as a policy tool. When they clearly explain their commitment to fighting inflation, it helps anchor expectations. If people believe inflation will fall, it’s more likely to actually fall — because behavior adjusts in advance. But tightening policy isn’t without risk. Raise rates too slowly, and inflation can spiral out of control. Raise them too fast, and you risk tipping the economy into recession. That balance is what every central bank — from the U.S. Federal Reserve to the European Central Bank and the Bank of England — is trying to manage right now. For example, when central banks hike rates, mortgage costs rise.That cools housing markets. Businesses may postpone expansions. Consumers spend a little less. And slowly, demand eases and price growth starts to moderate. It takes time — months or even years — for these effects to fully play out. Some central banks are also experimenting with macroprudential tools — rules that limit lending in overheated sectors like real estate, or require banks to hold more capital. These steps can help control credit growth without needing massive rate hikes. The key challenge now is timing. Inflation is finally easing in many regions, but central banks are cautious about declaring victory too soon. They remember the lessons of the 1970s, when inflation came down briefly, only to surge again because policy was relaxed too early. So what does all of this mean for you? When central banks raise rates, it affects your daily life. Borrowing gets costlier — credit cards, car loans, and mortgages all become more expensive. Savings accounts and fixed-income investments, however, often start earning more interest. For businesses, higher borrowing costs can slow hiring or investment. For governments, it raises the cost of servicing debt. The message is clear: inflation touches everything. And central banks are walking a fine line — trying to restore stability without stopping growth. In short, inflation is back because of a perfect storm — global shocks, high deman

Bank Failures Explained: What Happens When Banks Collapse

23 Oct 2025 · 880 views

In this Global Banking & Finance Review explainer, we break down why banks fail, how financial crises unfold, and what happens when a bank collapses. From liquidity issues and mismanagement to economic downturns and regulatory challenges, we explore the key factors that lead to bank failures and what can be done to prevent them.

Exclusive interview with Mr. Daniel Asiedu, Managing Director of OmniBSIC Bank Ghana

5 May 2025 · 2.6k views

Exclusive interview with Mr. Daniel Asiedu, Managing Director of OmniBSIC Bank Ghana Ltd, to explore the leadership insights, innovations, and strategic priorities shaping the future of OmniBSIC and banking in Ghana.

Unlocking Investment Potential: Sucor Asset Management’s Vision for the Next Generation of Investors

7 Jan 2025 · 2.2k views

Recently in London, we sat down with Mr. Fajrin Hermansyah, Director, and Mr. Rolando, Head of Business Development and Performance Management at Sucor Asset Management. They shared insights into the company's award-winning success, highlighting innovative strategies, digital transformation, and partnerships with banks and fintech platforms that are empowering young investors

Navigating APAC’s Dynamic Markets: Allianz Trade’s Strategy for the Future

1 Dec 2024 · 4.1k views

Allianz Trade has unveiled its ambitious 2025-28 strategy, signaling a transformative approach to address the evolving demands of the global insurance landscape. In this exclusive interview, Paul Flanagan, Head of APAC for Allianz Trade, shares insights into the strategy’s key pillars, its alignment with the dynamic APAC markets, and the innovative initiatives set to shape the region’s future.

Guiding Success: Daniel Asiedu’s Leadership and OmniBSIC Bank’s Growth Journey

6 Nov 2024 · 2.8k views

Daniel Asiedu, Banking CEO of the Year Ghana 2024, shares insights on his transformational leadership, OmniBSIC Bank’s outstanding performance, and future strategic goals. Discover how mentorship and innovation shape their journey

The Future of Banking: Diebold Nixdorf on digital Banking Technology - Fintech solutions

3 Sept 2024 · 5.1k views

In this exclusive interview, Helena Müller, VP Banking Europe at Diebold Nixdorf, provides valuable insights into how technology is transforming the banking industry. She discusses the future of bank branches in a digital world, the importance of self-service solutions, the growing focus on sustainability, and how Diebold Nixdorf's innovative DN Vynamic® Software is enhancing the banking experience for both customers and financial institutions.

Exclusive interview with Mr. Daniel Asiedu, Managing Director, OmniBSIC Bank Ghana Limited.

23 Jun 2024 · 707 views

Exclusive interview with Mr. Daniel Asiedu, Managing Director, OmniBSIC Bank Ghana Limited.

Revolutionizing Banking in Africa

30 May 2024 · 3.1k views

Revolutionizing Banking in Africa: Absa Bank’s Journey Towards Digital Excellence and Inclusive Growth Exclusive interview with Mr. Subash Sharma, Chief Digital Officer at Absa, Everyday Banking.

Exclusive interview with Ranga Reddy, CEO of Maveric Systems

16 Jan 2024 · 7.9k views

We spoke with Ranga Reddy, CEO of Maveric Systems about the key challenges and opportunities in the banking technology industry.

CPF Financial Services - Fulfilling Lives

27 Nov 2023 · 6k views

Stanbic IBTC Asset Management

14 Nov 2023 · 7.2k views

Go for happiness by investing in assets that yield benefits. Want to earn more money? Invest in Stanbic IBTC Mutual Funds. Visit https://www.stanbicibtcfundsmanagement.com/invest-now-4ev6leqy to get started.

Interview with the Minds Behind Merlion Global - Forex Trading Broker

22 Aug 2023 · 3.4k views

Interview with Merlion Global LTD. Recently in London, we spoke with Christopher Lui, CEO Merlion Global LTD about the company’s award-winning solutions and future plans for development. In the words of Merlion Global Ltd " Since Merlion Global’s inception, we’ve envisioned ourselves to be a prominent technology provider in the trading industry for all traders. We aim to build a company that prides itself on fund safety, advocating wealth creation and speedy execution. It is our mission to give traders and partners the edge they need to succeed. We believe technology needs to work for people. Our trading tools are simply intuitive and designed to keep trading simple, so you can be free to focus on what matters most. We believe speed and time is everything in the market. We invest heavily in building a powerful and acrobatic trading platform, creating highly efficient execution, so clients will be able to enjoy a smooth and exciting trading experience. We believe and invest heavily in Education. We provide clients with the opportunities to learn and thrive in their financial journey. While it is important to make money in the markets, it is vitally important that you protect your capital too. A proper education will enable you to understand that risks of the market and how to stay protected. We believe and commit ourself in building Trust with our clients. Merlion Global commits exceptional safety with our fund safety protection program. We listen and take time to understand your specific needs. We are here by your side to provide you with tools and support so you can seize every winning opportunity" In this video, we're going to tell you about the Merlion Global Success Story. This is the story of a small Forex company that has become one of the world's leading Forex brokers. We'll take you through the company's offerings which are in Forex trading, precious metals, crypto currency, indices, crude oil. From its humble beginnings as a small online platform, Merlion has grown to become one of the world's leading forex trading platforms. We'll tell the story of Merlion's success, and share with you some of the tips and tricks that have helped the platform achieve such a high level of success. If you're interested in trading forex, then be sure to watch this video! We'll share with you the story of Merlion and how it has become one of the world's leading forex trading platforms. This story is sure to inspire you to reach for your own

NMB Bank's Retail Banking Strategy in Tanzania

31 Jul 2023 · 4.6k views

Tanzania is home to over 50 million people and is projected to reach over 100 million people by 2025. The country is also one of the most open economies in the world, with a population that is increasingly demanding access to financial services. Through its retail banking strategy, NMB Bank is committed to providing retail customers with a wide range of products and services, including retail loans, insurance, overdraft services, and more. We are excited to bring our unique products and services to the Tanzanian market and help drive growth and development in this important region. This strategy is part of NMB Bank's commitment to supporting the development of Tanzania's small businesses and entrepreneurs. By providing banking products and services to these businesses, NMB Bank is helping to create jobs and expand the economy in Tanzania Exclusive interview in London with Innocent Yonazi, Head of Investor Relations at NMB Bank PLC and Global Banking And Finance Review

Interview with PT Sucorinvest Asset Management

24 Mar 2023 · 2.6k views

Exclusive interview in London with Mr. Jemmy Paul Wawointana, Chief Executive Officer of PT. Sucorinvest Asset Management

Global Banking & Finance Award Winner-Abdul Latif Jameel Finance

17 Mar 2023 · 868 views

Global Banking & Finance Review is pleased to announce the award-winning success of Abdul Latif Jameel Finance in the 2022 GLOBAL BANKING & FINANCE AWARDS®

Global Banking & Finance Review Award Winner –MERLION GLOBAL LIMITED

14 Dec 2022 · 3.2k views

Exclusive Interview with Rieve Ko, Merlion Global Sales Director

Fintech - The Technology Supporting Banking, Payments, and Commerce

6 Dec 2022 · 3.4k views

Recently in London, we spoke with Jane Loginova, Chief Strategy Officer, BPC about the company’s award-winning solutions and explored the challenges and opportunities that Super Apps present to financial institutions.

Exclusive interview with Matthew Wells, Regional Commercial Director APAC, Allianz Trade

7 Jul 2022 · 2.5k views

We spoke with Matthew Wells, Regional Commercial Director of Allianz Trade in Asia Pacific about business recovery after the global pandemic.

People’s Bank is Revolutionising Sri Lanka’s Banking Industry

1 Jun 2022 · 8.3k views

Exclusive interview with Ranjith Kodituwakku, CEO of People’s Bank, Sri Lanka discussing the bank’s venture into investment banking, how it has addressed the challenges of the past two years, and how its customer base is benefiting from its significant investment into digitalisation.

Bridging real life to digital - Exclusive Interview with Global Banking & Finance Award Winner – BPC

12 Apr 2022 · 8.5k views

In this exclusive interview we spoke with Jane Loginova, SVP, Chief Strategy Officer, BPC about the potential impact of emerging technologies on the economy, living in a frictionless economy, how organizations can begin laying the groundwork for a digital future and the role BPC plays.

Exclusive Interview with Paul Flanagan, Regional CEO of Allianz Trade in Asia Pacific

4 Apr 2022 · 1.3k views

We spoke with Paul Flanagan, Regional CEO of Allianz Trade in Asia Pacific about the recent rebranding of Euler Hermes, the world leader in trade credit insurance, to Allianz Trade, his new role as CEO and the prospect and offering of trade credit insurance in Asia Pacific.

Global Banking & Finance Review Award Winner - Sendly Money Transfer

14 Jan 2022 · 1.5k views

Exclusive interview with Burmaa Zurgaa, Local Director, MonRemit Ltd. Sendly Money Transfer prides itself in offering safe and cost-effective online remittance to Mongolia, and its services continue to expand. It won the Global Banking & Finance Review 2021 award for Fastest Growing Fintech Company in Central Asia.

Interview with Ms. Jehad Saud Al-Humaidhi, CEO, Ahli United Bank

6 Dec 2021 · 2.3k views

Exclusive interview Ms. Jehad Saud Al-Humaidhi, CEO, Ahli United Bank the 2021 Global Banking & Finance Awards CEO of the Year Kuwait.

Interview with Doxim a leading customer communications management (CCM) technology provider.

29 Jun 2021 · 1.7k views

Doxim is a leading customer communications management (CCM) and engagement technology provider. Doxim is serving financial and regulated markets with their solutions and have recently announced the launch of their omnichannel CCM product in the United Kingdom. Global Banking & Finance Review journalist Phil Fothergill spoke with Doxim President and CEO, Michael Rogalski and Commercial Director, James Hall to find out more.

Global Banking & Finance Review Award Winner - Salma Markets

22 Apr 2021 · 968 views

Exclusive interview with Annie Luong, COO of Salma Markets Companies.

Global Banking & Finance Award Winner - BPC

19 Aug 2020 · 375 views

In this exclusive interview we spoke with Jane Loginova, BPC about the ways BPC helps financial institutions create relevant digital experiences for customers.

How to write a Personal Statement- 15 Tips to keep in mind before writing a Personal Statement

20 Mar 2020 · 249 views

Sometimes a personal statement is also called a statement of purpose which can also be seen as the definition of a personal statement in an alternative way. www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. How to write a Personal Statement? 1.Research the job or position you’re applying for. Look at the requirements and descriptions. This helps you plan on what you need to write about. 2.Make a rough outline to structure your personal statement. This gives you the privilege of always knowing where you’re going with what you’re writing. 3.Usually a personal statement has a character count (with or without spaces). Make sure you make a draft version before actually counting the characters so that you can edit it after that. 4.Sell yourself. Best personal statements make the reader feel as if they’re in a conversation with the writer. Tell them why you’re applying, your motivation and why you’re the best person for this position. 5.Include everything that makes you right for the position. Often companies and universities are looking for very specific and suitable candidates based on the personas they’ve prepared. Mention every single achievement, even if they may seem tiny and irrelevant to you. 6.Companies and universities aren’t aiming to see your knowledge for the position through your personal statement. What they want to see is your drive for the position, how much you want it and how much it means to you. Make sure you’re able to differentiate between these fine lines and don’t start talking about the job description or course itself. 7.Don’t rush your personal statement. Take as much time as you need. Start writing well in advance so that you don’t need to rush it in the end and can edit it as much as possible to make it perfect. 8.Mention all extra and co-curricular activities you’ve been a part of. This should involve any clubs, organizations or councils you’ve been a member of. This speaks for the fact that you can multi task and that you’re an all-rounder. 9.Make sure your usage of words is right and positive. Try to have more active statements, rather than passive. If your English is not perfect, don’t worry as there are many online platforms like Google Translate which can translate and give you synonyms. Just make sure you don’t overdo it, as otherwise your personal statement could be quite complex. 10.Always play to your strengths. Make sure you mention them, try to combine it with point 3 while selling yourself and try to avoid mentioning any weakness you may have. 11.First impressions are something that last long. This is true in every sense of the statement and what it means in terms of a personal statement is that you must make your first statement (opening statement) strong and engaging to the reader. 12.It’s a personal statement. Make it personal. Try to add a few personal pronouns and try to have a conversation with the reader through your personal statement. 13.Be honest with what you’re writing. A certain extent of exaggeration is okay but being dishonest will always go wrong for you in the long run. 14.Make sure your content is as original as possible and is your own work. Even though it’s hard to plagiarize while writing personal statements, make sure you take care that it’s 100% unique and authentic. 15.Have your personal statement read by somebody else (preferably someone who is experienced and has good grammar) so that they can give you feedback in terms of grammatical and fine mistakes. Once you’ve sent in your personal statement, it’s necessary for you to forget about it and just wait for the result. For more informative articles, visit https://www.globalbankingandfinance.com/

How to Tackle High Credit Card Debt - Tips to handle credit card debt

19 Mar 2020 · 279 views

www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Opt for a Single Credit Card The first thing you need to do is to consolidate all debts to a single card by using a simple method like using a balance transfer card. It will lead to the reduction of interest you need to pay every month. It will make things more organized as you will need to pay one monthly payment rather than several of them. Remember the APR If you want to tackle high credit card debt, you should also remember to pay off the card that has the highest APR. To know which card has the highest APR, make a list of all APR numbers and pick the highest. This strategy will also help in reducing the amount you need to pay in interest every month. Balance Matters Tackling high credit card debt also becomes easy when you use the debt snowball method. In this method, you need to pay off the debt of that credit card which has the lowest balance. Once you do that, you can move to a card with a slightly higher balance and move up until you pay all the debt. This tactic is highly successful because when you pay off a debt, the success of the effort will motivate you to keep going. Seek a Low Rate Another tactic that works to reduce high credit card debt is to ask the card issuers to provide you with a lower rate. The issuer would look at your history and lower the rate if you ask nicely. Yes, it’s as simple as that. If you are wondering why an issuer would do that, then you should know that the credit card industry is very competitive and credit card companies don’t want to lose long-term clients. Find the Reason It is also a smart idea to realize that you don’t need to land in such a situation again. For that, you should make notes of the habits and behaviors that led to this situation and avoid them. For instance, if you do a lot of impulsive shopping, you need to learn to control your impulses. Set Limits Once you know what led to a high credit card debt, your next attempt should be not to let the history repeat itself. It can be done by setting a monthly budget for everything be it grocery shopping or shopping for clothes and sticking to it. Don’t buy more than you can afford and you’ll do fine. Know the Danger Signs The last tactic that will help you avoid a credit card debt is to ensure that you see the signs of overspending and avoid them. A clear sign that says you might land in financial trouble is when you need to use the credit card to pay for essentials like clothing, rent or food. Skipping payments or ignoring credit card statements are also huge signs that indicate you might land up in credit card debt again. for more informative articles, visit https://www.globalbankingandfinance.com/

Types of Insurance and Changing Face- Value Chain of Insurance

17 Mar 2020 · 669 views

The value chain that insurance follows includes: Applications phase – The client approaches the insurance company and then proceeds onto the number of claims and sum insured they want. Underwriting phase – Here the company underwriters evaluate how much of sum insured is required to ensure that the company does not suffer a loss by onboarding this client. A risk profiling of the client is therefore important. Up-selling– this is where additional insurances are sold. This step is extremely important for the survival of the insurance companies. Claims – Claims are made when the loss is proven and the risk has actualized. The insurance company must remunerate the insured for the loss that has been claimed. Types of Insurance and Changing Face Insurance which used to originally only cater to life and real estate has now expanded to avenues such as vehicles, animals, airline, health and many other avenues which have significantly increased the business that comes from Insurance. The Insurance industry is integrating technology as well which is increasing its coverage across countries and are very vital therein. It is assimilating the use of drones to do ariel surveys for determining real estates and could save $6.8 billion[ii] each year. It is also imbibing the use of other methods like artificial intelligence to find and confirm unknown patterns in claims which could only be seen earlier by experienced underwriters. Data analytics is another area contributing to insurance assessments. The pace at which the insurance market is soaring ahead is something which brings into perspective the importance it shall have in the near future as well. For more informative articles, visit https://www.globalbankingandfinance.com/

What you need to know about Insurance

16 Mar 2020 · 157 views

When there is a loss of one’s life or property, dealing with the grief as well as bearing the brunt of the financial loss, brings sanity to a standstill. To mitigate such a scenario, insurance helps to transfer the financial losses from the person concerned to a third party willing to bear that risk of loss.The insuring firm also agrees to bear the financial losses following it. https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Welcome to another episode of Global banking and finance review. my name is Deepika Lobo. today we're going to talk about What you need to know about insurance” Not only are insurance products catering to assets – both tangible and intangible assets and life as well, they cater to business stages and processes and therefore are an extremely vital business service. In exchange, the Insurance company charges small annuity payments known as premiums for paying a certain sum to the insured should that kind of risk actuate and transfer the financial risk over to the company. The Insurance companies work on the most important principle – ‘law of large numbers’. This suggests that pooling insurance policies and their premiums is the best option to service the ‘claims’. The probability of all clients asking for claims at the same time is calculated which is extremely less. Also, the clients are screened and accepted individually on the basis of such calculation of probability. Therefore it reduces all sorts of costs which would have been borne had only a few people were clients. Thus, insurance is a profitable venture and it is a bet against a future loss which might or might not happen. For more informative articles, Visit https://www.globalbankingandfinance.com/

Office Design For Millennials | Smart office designs

13 Mar 2020 · 402 views

Millennials bring an entrepreneurial flare and a digitally-focussed mindset – two characteristics that should inform the layout and design of your office space. So here are some top tips on how to design your office for millennials while also ensuring the environment is compatible for other types of workers. https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Look at the Modern Trends in Interior Design When looking to entice the best talent among millennials, you need to keep in mind that the generation is especially fashion-focussed, from the clothes they wear to the restaurants and bars they visit and the spaces they choose to socialise or live in. You can tap into this love of style and fashion by monitoring the latest interior design trends, particularly when it comes to colours, materials, and furniture. Experimenting with modern interiors allows your business to create a trademark and personality of its own. So, whether you position yourself as bold and colourful, sleek and stylish, or minimalist and industrial, you need to make sure your office has the right feel and flow. Tying together a solid brand proposition with help from your interiors won’t go unnoticed among millennials. Install the Latest Technology Having grown up in a digital era, millennials are usually heavily reliant on technology in their day-to-day lives, from using their smartphone to communicate with friends and listen to music, to ordering food, booking holidays, and arranging a taxi at the tap of a button. Simple features such as high-speed WiFi, ample charging facilities, and good computers should be a given. In contrast, having portable office tech (including laptops and tablets) that allows employees to take their work with them around the space is a nice touch that will certainly appeal to the way millennials like to work.  Create Spaces that Encourage Collaboration The workforce is evolving at such a rapid pace and gone are the days of closed-off office spaces and the ‘every-man-for-himself’ mentality.Open-plan work environments are encouraged, and break-out zones are also popular among the younger generation. Just look to the offices of digital giants[ii]such as Facebook and Apple for inspiration when it comes to collaborative working spaces.Introducing ‘chill-out’ zones complete with bean bags or comfy chairs can act as the perfect spot for employees to channel their creative thoughts by listening to some music. Bring Nature Indoors Whilst plants may look pretty in an office, they can also ramp up the productivity levels of employees. A paper by Harvard University[iii]found that the performance of people working in ‘green’ offices was double that of those working in conventional environments. So, it’s well worth bringing nature indoors in the form of leafy pot-plants, and incorporating design elements that focus on bright spaces with lots of natural light.For millennials, outdoor areas hold a big appeal, again tapping into the style-conscious personality of this generation.. Facilitate an Active Workforce One final element to keep in mind are practical facilities such as lockers and storage. Most millennials are unlikely to drive to work, and might not even own a car. Instead, they’ll walk, run or cycle into the office every day; as such, they’ll expect to be able to safely store any equipment once they arrive. Adding in shower and changing facilities is also a must if your office is to appeal to millennials. For more informative articles, visit https://www.globalbankingandfinance.com/

Video conferencing - How Video conferencing Can Reduce Cost And Boost Productivity

11 Mar 2020 · 225 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. By moving their staff to smaller, more cost-effective premises and encouraging hot-desking as well as remote or home working businesses can make huge cost savings. One way to support this new workplace dynamic, is to invest in technology. The latest video communications options, such as those offered by Zoom, boast the latest technological advances that can provide a significant return on investment in many areas. The two most important are cutting business travel expenses, which tend to eat up a sizeable portion of any company’s budget, and improving productivity by allowing for greater collaboration and productivity between employees, customers and suppliers, no matter where they are based. While travel savings have been a recognisable benefit of video communications, here are four ways video conferencing increases collaborative productivity Being Able to See Everyone Has a Positive Impact: Phone conferences that are not supplemented with video might cause some team members to become distracted. Video forces them to concentrate more since everyone is looking at each other. Less Travel Means Higher Productivity: Travel has become so stressful that significantly more time is lost now than ever before when employees have to fly or take long car or train trips to remote locations. Video communications allows everyone to stay put, and encourages a greater work-life balance. Higher Level of Training: Video communications allows a higher level of on-the-job training, which means employees can do their jobs better, more quickly, and will be inspired by new opportunities. Distinct Advantage Over Competitors: The more technology a company is able to leverage, the more of an advantage it will have over its competitors. Video conferences allow for effective communication, which will inspire employees to consistently want to do more to maintain that advantage.Products are developed and introduced to the market more quickly, problems are resolved faster and everyone needing to be involved in a decision can be without the need to travel or wait for an in-person meeting to take place. Multi-platform video communications has proven to be a huge advantage to virtual organisations, which can use the technology to leverage face-to-face communications between any and all employees without incurring the high travel costs and downtime that accompany in-person meetings. The result: higher productivity and a very attractive ROI, all year around, whatever the weather. For more informative articles, Visit https://www.globalbankingandfinance.com/

Work-Study Job | Advantages of Work-Study Job for Students

28 Feb 2020 · 335 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Every year more than $150 billion is awarded to eligible students by the United States Department of Education as loans, federal grants and work-study funds to students who need financial aid. Welcome to another episode of Global banking and finance review. my name is Deepika Lobo Today we're going to talk about “ Advantages of a Work-Study Job" A federal or state-funded program that provides part-time jobs to college or university students who have financial constraints is called Work Study. Advantages of a Work-Study Job You can keep the earnings: The major advantage of a work-study job is that you get to keep what you earn. Of course, you will have to pay your student loans, etc but how you spend the money you earned is up to you. You are still eligible for financial aid: Another major advantage of the work-study program is that the financial aid eligibility is not affected because you earn extra income. This income is not counted while determining your grant. The other essential thing to note is that like financial aid, it is only for the current year and to continue receiving it, you will have to apply again every year you are in college. More convenient: Scheduling work is easy and based on the class timings you can decide on how long to work. The same cannot be said about non-work-study jobs as the schedule can be erratic. If you find a job on-campus, you can also save travel time and not to mention saving extra money Promote the vlog You need to promote your vlog so that it attracts viewers. Promote it to your own friends and acquaintances. Use the powerful reach of social media. The more people who see your vlog, the higher the chances of becoming successful. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

What Is Work Study- Jobs offered by Work-Study program

26 Feb 2020 · 544 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Every year more than $150 billion is awarded to eligible students by the United States Department of Education as loans, federal grants and work-study funds to students who need financial aid. It is different from scholarships and loans as work-study grants have to be got through part-time work. To apply and to become eligible, your college has to apply for work-study funds and the US education department will then do due diligence and grant it to the college which will be used to pay work-study jobs. Jobs offered by Work-Study program The jobs that they offer can be on the campus or off it. The on-campus jobs can be working in the dining area, hostels, or library. These jobs suit the full-time students as they get to work on the campus, study or complete their homework while on the job and save travel time. The off-campus jobs will be in a public or a non-profit organization, it can be jobs like working in public schools, hospitals, government offices, public library or such public interest jobs. Some schools also have tie-ups with private companies where you can work in the job related to your study. It is essential to remember that you are not guaranteed a job in a work-study program, you will have to find a job yourself only in rare cases, the college will help you find one. Anchor: Deepika Lobo For more informative articles, Visit https://www.globalbankingandfinance.com/

How To Start A Charity | Steps to start a Charity and give back to the Society

18 Feb 2020 · 276 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Examine what you are passionate about The reason that many people start a charity is because they are passionate about a cause or an idea and do not mind working without pay to help promote it. However, understanding the reason or “Why” you want to start a charity is just the starting point. Find out whether a similar charity exists Starting a charity is all well and good, but often people find that a similar one already exists. There are for instance a number of charities devoted to the perseveration of whales and contributing money and time to it will be as effective as starting your own charity. Spend time doing detailed research Once you have decided to start a charity, it is vital that you understand the types that can be set up. In the United States for example a charitable not for profit organization is usually tax exempt when they are set up with public support. In addition,there are private non-profit charities set up by people who are wealthy enough to fund them with their personal money. Importantly without sufficient funds to operate, a charity can fail much like a business. Find people who share your passion Setting up as charity with the help of those who have similar same ideas and beliefs is one way to remain motivated and it also allows others to share your workload. So, putting up a survey on a social media site to find people with similar ideas is an important step. Ensure the charity meets regulations and laws within a country Regulations governing charities are complex and often differ according to country. Additionally, when funds are raised in one country and then sent to another, there are several laws that govern such transactions and even charities need to follow them. Plan the process of gathering funds and get a financial expert Raising funds for a charity is often the toughest part of setting up one. Additionally, funds are essential for the smooth running of a charity over the years. So,the charity’s message needs to be effectively conveyed to the relevant audience if you want to encourage them to contribute funds. Also getting a financial expert to work for free helps keeps your charity well-funded and operating efficiently. Additionally,a charity allows you to provide much needed aid in times of distress instead of waiting for governments to step up. For more informative articles, Visit https://www.globalbankingandfinance.com/

Global Banking & Finance Award Winner -PT Sucorinvest Asset Management

6 Feb 2020 · 2.4k views

Exclusive interview with Mr. Jemmy Paul Wawointana,Chief Executive Officer of PT. Sucorinvest Asset Management

What Job Should I Have | Choose a job best suited for you according to your skills

4 Feb 2020 · 230 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. What is your Personality Type? Creative: If you are a creative and resourceful person then a job that gives you the leeway to implement your ideas is best suited for you. There are many roles in creative industries like advertising, media, etc. which would be ideal based on what you are passionate about. For example, if you like designing, then you can opt for graphic design or even interior design. If you are a technically sound then you can choose web development and design. Organization Skills: If you have good organization skills, then you can opt for secretarial, HR or PA roles. If you are good at organizing and managing events then opt for an event manager job. Finance and accountancy jobs are also an option for you. Helpful: If you are a person who enjoys helping others, then a social care role is the obvious choice. You can pursue a degree of a counselor, child care, nurse or anything related to the health or education sector. Hands-on: If you are good at working with machines and tools or can use your practical skills well, then you can either choose an engineering course in manufacturing or construction or opt for carpentry, electrical jobs or plumbing. If sports is your area of interest, then consider becoming a coach, PE teacher or a gym instructor. Logical skills: If you like to solve puzzles, can think logically and analytically and like math and science there are many options for you. You can become an accountant, banker, stockbroker, programmer, etc. if science is your area of interest then research jobs are an option too. Finding the Right Job! Know the Logistics in a Career: Find out what is important to you so that you can land on the right job. It can be things like the location, salary, colleagues, autonomy level, work hours, the type of job, etc. Jot down things that are a must-have, so that you can narrow down your search. Understand your Strengths and Skills: Now that you have listed the must-haves in your career, next is to find out what your skills are and if that can be used to build a successful career. For example, if you played football in school and not kicked a football in years you cannot expect to become a renowned footballer. Money: It is always a tricky question to answer, most people stay in the job despite being unhappy as it pays well. But having said that, it can be argued that if you find a job that you love but pays less, you are motivated to work hard and get better results than when you are dissatisfied. So look for a job based on whether money is a consideration for you or not. There is no one-thing that can determine if you are at the right job or not, it’s a combination of things and it is unique to each person. Work on these tips and plan to land on your dream job if you are not already in one! Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, checkout https://www.globalbankingandfinance.com/

Global Banking & Finance Award Winner - Bupa Global in Hong Kong

3 Feb 2020 · 2.3k views

Exclusive interview with Neil Kirby, Marketing & Sales Director, Bupa Global.

How To Exchange Currency | Exchange currency when you travel the world

3 Feb 2020 · 330 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Credit or debit cards This is a widely used method of purchasing currency, mainly because going down this routes means that the current rate of exchange is always used. In addition to this, as a way of driving loyalty, some waive transaction fees, which leads to further savings in the process. Indeed, using a debit card with no foreign transaction fees charged  and a credit card with no foreign transaction fees, can provide savings of at least five percent. Cashpoints/ ATMS Much like debit and credit cards, these use the current rate and provide the best deal as a result. However, there is no hard and fast rule to when fees will be charged so it is vital that travellers check this at the particular cashpoint they are using, as it will be clearly highlighted before confirming a withdrawal. When using your bank BEFORE you travel, remember… …that there are major demands on banks on a daily basis, so it best to order foreign currency in advance from a bank which should only take a day or so to process. While this requires careful planning, it is a better option than purchasing at an airport. Exchange money at your destination Many cities have currency houses where money can be exchanged. Despite these offering convenience, they all offer different exchange rates, meaning that valuable time that could be used to relax is spent looking at the rates in different outlets in order to save two percent on a transaction.  Pre-paid cards Alternatively, opt for a pre-paid travel card, which allows users to load foreign currency onto what’s essentially a traveling gift card, though those typically carry an annual fee. In conclusion, whatever the method chosen, there are likely to be fees but by avoiding those that incur the largest ones, travellers can remain savvy and ensure that as much of their hard earned money is available to them as possible – making a holiday more what it is made for – relaxation! Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

How to follow up on a job application | Is it preferable to Mail or Call the organisation

3 Feb 2020 · 203 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. If you have sent a job application and want to follow-up on it, here are some pointers that will help you do it professionally. 1) Check the job posting first The first thing you need to do before even thinking of following-up is to check the job posting. Some companies make things clear in the job posting or on their website. You may see a notice like‘if you are selected, we will tell you. If you don’t hear from us, it means you are not selected’. If the company has posted something like this, it means they don’t want you to follow-up. This is the reason you need to go through the job posting and the company website carefully. Some job postings may talk about the follow-up. They may specifically state that you should give them 15 days’ time to process your application. If this is mentioned, then you should not follow-up before the specified number of days. They may also let you know the preferred mode of following-up. In case the job is already filled up, a company may withdraw the posting. They may also post an update on their website. Some companies also use their social media websites to post updates on job applications. This is why you need to visit the company website and social media pages frequently to check for updates. Don’t start the follow–up process before checking all these. 2) Try an informal follow-up If you know someone working in the company or are connected to a company executive on social media, you can try an informal follow-up. Company employees may be able to tell you what the status is. This will help you know the best time to follow-up. 3) Follow-up after a week or two Don’t follow-up before a week has passed. It would be too early. You can wait for at least ten days before your follow-up. The best way to follow-up is by sending an email. Calling on the phone or dropping into the office may be considered an intrusive way of follow-up. You can send an e-mail to the same ID where you sent the application. If you have the email ID of the HR manager, you can mark a copy.Let the email be short and simple. Don’t mark copies to the top executive of the companies, just because you have their email ids. This is a definite no-no! 4) Don’t pester the HR department Send a follow-up email once. Don’t spam their mailbox by sending e-mails continuously. Don’t send messages on mobile phones or through social media. That can irritate the HR Manager. One follow-up is more than sufficient. If you don’t get a reply to your email, you can make a phone call to find out what happened. If they don’t respond to your phone call,then it means you are not selected, or the company is taking its own time to process applications. In either case, you can stop following up and start looking for another job. Don’t get dejected or discouraged. Move on with your job quest and try to find a new position to apply. Following-up on a job application is an art. It needs to be done subtly, without being a nuisance. Using the tips provided here can help you follow-up in the best way. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

How to choose a career? | Tips to choose the right career suitable For You

31 Jan 2020 · 598 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Picking the right career and sticking with it until retirement was seen as normal for several centuries. Currently however sticking to a career is no longer easy and several people often tend to switch jobs according to their interests, until they find a career path that they like to pursue over the long term. This has led to a lot of thought and effort being put into the process of picking the right career, and people are often encouraged to select one which helps them showcase their talents and skills. With the process of finding the right career not set in stone, and several methodologies used, we look at how to choose a career path if you are just out of college or in a job. Discover your skills and interests Finding the right career starts in schools and often is a process which lasts for several decades. Schools ensure students get the right amount of education, and time to find out their skills and interests. Whether it is creating art, music or doing math interests and skills discovered during schooling play an important part in a career. This process of discovering skills, interests and the right career path which starts in school, in most cases even continues during college. In school a carpentry shop or a newspaper run by students, allows them to discover skills and these can be built upon before they graduate high school. In college students can then take up advanced courses in designing or literature and ensure that they graduate with degrees that help them get a good paying job, and a career that they enjoy. How hobbies can help in picking the right career Hobbies also play an important role in finding the right career and those who are passionate about reading for example can be encouraged to explore careers in creative writing or journalism. Even those who are interested in music or spend time playing video games can channel their hobbies into careers in the music industry or become involved in designing games. Take a self assessment test Once in college finding a right career is an all important process. This process is made easier as several self assessment tests can be taken to find strengths and skills. Some of these self assessment tests are labeled as “aptitude tests” and are often taken as students graduate from high school or college. Sticking with a career Often people do not find the right career on their first attempt. As a result many often end up in a job that they do not like and have no aptitude for. So many people decide to switch jobs or their career path in their 30s and 40s.  This switching of careers is often seen as a negative point as people have to take lower paying jobs when they switch.  However, people who switch careers often are just not happy with the one they are currently in. Such people feel that a new career and job will help them earn more and most importantly be happier, so such switching is increasingly common in many countries. Being able to choose a career that interests you and finding a job that you are good at is not always possible. However, if you get the right guidance when choosing a career and pick one that allows you to earn well and also remain interested in your job you are set for life. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

How to Start a Book Club- A community for book lovers to come together

31 Jan 2020 · 203 views

Starting a book club can be a fulfilling hobby for all age groups. Here are some of the ways you can go about to start one. www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Welcome to another episode of Global banking and finance review. my name is Deepika Lobo Today we're going to talk about “How to Start a Book Club” Find people with similar interest Since a book club is a community of book lovers coming together, it is essential to get in touch with people with the same enthusiasm for the love of reading books. The best way to begin is by finding members within your social circle, existing friends who love to read or maybe co-workers who can spare time after office[i]. Sending emails to these friends can help connect. For finding like minded members outside of your social circle, you can put up flyers/notices on the bulletin boards of libraries, coffee shops, etc. A more digital friendly approach can be creating an open or a closed group on Facebook, Instagram, etc. Zero down on the Purpose of the book club It is highly essential to work on the purpose of creating your book club[ii]. Ideally, it should be a gathering where you discuss what you have read, but at times it becomes a gathering of mere socializing and refreshments. So, be clear in what the outcome of each meeting should be so that the expectations of all the members are set right, and there are no frictions. Choice of books to be read Next, you need to determine the types of books to be read and discussed in your book club. Candid memoirs or genres like romance, mystery, etc. can be decided on, or even books of a particular author can be discussed. While it is essential to draw a structure of your book club, ensure that it does not sound like imposing rules on the members. Remember, the idea is to indulge in a conversation around books to relax! Some book clubs select books that do not take long to finish while some encourage readers to read out of their comfort zone with graphic novels or longer texts. You can think of a title or a theme and put it to vote and let the members decide what to read next. Another way could be of taking turns with the members in each meeting to determine what to read. • Chose a name for the book club Once the theme around which the books will be read and discussed is finalized, selecting a name for the book club will be easy. The title should be able to target and attract book readers of a particular genre or age group or specific multicultural community[iii]. You can also attract members with names that are fun to listen to! Always remember, a club name is its identity, so chose a name that all your club members can quickly identify with and take pride being associated with. • Location and frequency of meetings Lastly, you need to figure out a meeting place for the members of the club. This has to be chosen wisely, keeping in mind the preferences of the club members. Some clubs prefer meeting at their homes, taking turns to fix up meetings at all the member’s house one by one. Location can also be a library or a coffee shop or even a bookstore. Since, everything these days is digital, setting up a meeting location in a park or by the lake can provide a natural backdrop for reading and relaxing. You can also choose a destination that matches the theme of the book in a discussion like a museum if you are reading a book related to history. Frequency of the meetings will depend on how long a book takes to complete. Again, the schedule and up to you to decide, so decide on something realistic. Further, structuring the meeting also determines the success or failure of the club. So, it is recommended that the flow of discussion is set once the members meet so that the meeting proceeds smoothly, and the aim of gathering members is achieved. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

What to wear to an Interview | Best Dress Code for an Interview

30 Jan 2020 · 260 views

Finding the right outfit for an interview is often overlooked, but if approached with the right knowledge it can help you get the job. So, we look at what you need to wear to an interview,whether you are looking to land a job in a fashion magazine or a software company. https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Research the organization Learning about an organization is vital when preparing for an interview and while doing so, it is easy to find out what the official dress code is. With the official dress code in hand, you can pick appropriate clothing that matches it and wear it to your interview. Another important point to note is whether or not the dress code has been modified recently. If you fail to properly note details of a dress code or changes to it, you can turn up for an interview wearing something that has been banned recently. Stick to professional clothing When in doubt about what an organization permits as part of its dress code, then it is safest to stick to business attire. Western themed business attire for men consists of a suit jacket combined with slacks and a shirt and tie. Women can choose to wear a blouse with dress pants, or a knee length dress with long sleeves and a conservative cut. The popular business casual choice Many software companies just do not have a specific dress code outlined as the atmosphere at work tends to be casual. In such companies wearing business casual clothing is considered appropriate. However, most companies that prefer business casual attire often do not allow jeans and sneakers to be worn. Business casual attire usually consists of dress pants and khakis which both women and men can wear. Women can wear pants or conservative skirts with a blouse, top or sweater, while men can team a pant with a button-down shirt,a sports coat, or a sweater. Importantly business casual attire should be in neutral colors, black or gray. Bright colors should only be present in small sections or as thin stripes. Ensure that your attire showcases your knowledge Especially if you are heading to an interview at a fashion house, a lifestyle magazine or at a top designer, it is prudent to make an effort and dress according to the latest fashion. Wearing an out of date ensemble in such situations will just hurt your chances of landing the job. Spend time choosing the right bags and footwear Picking the right bags and footwear to go along with your clothing is another important factor that should not be ignored when attending an interview. Carrying a bag or suitcase that is appropriate for use in the office instead of a hobo allows you to convey a professional attitude. Footwear such as a dress shoe is ideal for men and wedges with covered toes and small heels are recommended for women. Wearing the right attire to an interview allows you to create a good favorable impression with the interviewer as you walk into a room, and it will even ensure that you stand out from the competition. For more informative articles, visit https://www.globalbankingandfinance.com/

How to choose a college | Choose the College best suited for You

29 Jan 2020 · 169 views

Decide what you will study https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Before deciding the college to join, you need to decide what you will study. There are a variety of courses and specializations available. You need to decide which of these courses you want to pursue. If you want a broader career option, you can choose to study liberal arts, science, or business studies at the undergraduate level. This will allow you to complete a basic degree, after which you can further specialize in the area of your interest.There are career counselors who can help you by conducting various tests that can tell you which career option suits you. Start planning early It is very important to plan early. Waiting until college admissions are closing will be a big mistake. You need to start planning to search a college when you are in the final year of your school. Starting early gives you more time to explore different options. If you start searching for a college late, then you will be in a hurry and you may make a wrong decision, which could be costly. Take the advice of others Take the advice of others to decide which college to join. Your teachers at school are better equipped to advise you on career and college options. You canconsult your family members, including your parents, elder siblings, and other relatives who have firsthand knowledge about colleges. Take everyone’s advice, but let the final decision be yours. Do not be influenced completely by what others say. Collect information yourself You can collect information about colleges yourself. Thanks to the internet, information is available at your fingertips. Download their brochures or prospectus online to learn more.Look for online reviews of colleges by past students. Don’t assume all reviews are true, some of them may be biased. Going through many reviews will help you understand more about the college. Apart from online reviews, try to get in touch with past students and take feedback from them. All this valuable information can be used to decide the college to join.In either case, verify that the accreditation and recognition is widely accepted, so you will not face a problem when you want to pursue higher studies or look for a job. Attend fairs/exhibitions There are education fairs and exhibitions conducted by colleges or other organizations. Most colleges send their representatives to these fairs. They can help you by providing more information about the college, courses offered, and eligibility criteria to join. The college representative can provide you important information on fees and scholarships offered. Visiting these events helps you get firsthand information about colleges and meet the admission staff. Visit the college Once you have made a shortlist of a few colleges, it’s time to visit the college. You would have read many things about the college. There’s nothing like checking it out yourself. Most colleges welcome potential students. Visit the college, explore the campus, and check out all the facilities. Consider the convenience of the location. You can decide the college to join,keeping in mind the reputation of the college, location, accreditation, and most importantly, fees and scholarships offered. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, check out https://www.globalbankingandfinance.com/

How to start a conversation | A Must Watch for Introverts

29 Jan 2020 · 181 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. The main problem that introverts and most people experience is not knowing how to start a conversation when you meet someone. Let me tell you, how you can start a conversation with someone whatever may be the place or situation. Welcome to another episode of Global banking and finance review. my name is Deepika Lobo today we're going to talk about “How to start a conversation” Start with the weather One of the oldest and most popular ways to start a conversation is to talk about the weather. “It’s a fine day, isn’t it?” or “It’s so dull and gloomy, hope the weather clears up soon” are good examples to start a conversation using weather. Based on the response of the other person, you can continue the conversation by moving on to other topics. From weather, you can talk about why you are at that place and let the conversation flow. It is advisable to leave out religion and politics when you are starting a conversation. After all, you want to start a conversation, not a fight! Start talking about the situation/venue When you meet someone, it will be at a venue or in a particular situation. So, start with that. For example, if you are at a party, you can probably start with “X has organized a great party today, I am glad I am here”. If you are at an office event, you can start the conversation by talking about the event. You could start with, “This is the first time I am making a presentation, how about you?” This not only starts a conversation, but also draws the other person into it. Start with an introduction This is the best way, especially at business events where people meet to network. You can walk up to the person you want to talk to, offer your hand and say, “Hi, I am X.” You can move the conversation forward by telling something about your work/career in one line and explaining why you are at this event. This approach would be good at work/business events but may not be suitable for social events. Compliment the other person One good way of doing this is by offering a compliment. You should do this, only if you are sincere about it or there is something worth complimenting.  If you are at an official event, you can offer a compliment to the other person on the talk he delivered or on the award he received. This will help to start a conversation. A compliment will flatter most people and make them open up to you. Don’t offer a compliment that sounds fake or artificial. Talk about a mutual friend If you have a mutual friend, maybe the host of the party, you can start the conversation by talking about him. “How do you know X?” or “I know X from a long time, he is such a great guy” can be a good way to start a conversation. If you meet a new colleague at office, you can talk about the boss. That would be a good enough subject to start a conversation. Starting a conversation with someone from the opposite sex This is one reason most people like to start a conversation. You have to start talking without sounding flirty. One of the best ways to do it is to ask the direction to some place. For example, “Can you tell me where the library is?”. You can even ask the other person something specific, like “Are you here for the training on Java?” You can then use the IFR technique to take the conversation ahead. You can checkout our video of “IFR technique” for more details. Follow-up is important Starting a conversation can be done in any of the ways listed above. Once you start a conversation, follow-up by continuing the talk. Talk more about the other person, not about yourself. This is the best way to make the other person respond to you. This is a great way to move the conversation ahead and get to know the other person. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

IFR technique- How does it help to start a conversation?

28 Jan 2020 · 286 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. IFR stands for Inquire, Follow-up, and Relate. This is a great way to start a conversation and take it ahead. The first step is to inquire or ask a question. You can then follow-up on the answer given by the other person to the question. Lastly, relate the answer to yourself or the other person to get the conversation going. You can consider the following example on how to follow this technique. You can inquire, “Do you know who the next speaker is?” And after the other person responds, You could Follow-up with: “Wasn’t she the key speaker at last year’s conference?” To which the Other person might respond: “Yes, I enjoyed her talk last year.” And you could relate to it by saying: “I missed her talk, but I’m sure I am going to enjoy her talk today. I am interested in subject/topic, how about you?” IFR technique always helps you to maintain a longer conversation compared to other techniques. You can check out our video on “how to have a conversation” For more details on other methods and techniques to start a conversation. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, check out https://www.globalbankingandfinance.com/

10 ways for employees to avoid headaches at work

28 Jan 2020 · 204 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Be mindful of stress and anxiety Prioritise taking steps to reduce your stress or anxiety levels as this will lessen your headaches-be it through relaxation exercises, psychological therapy, a walk in the park or a long bath. A great way to feel calm when you need a quick solution is to take deep breaths from your diaphragm- set aside 10 minutes to inhale and exhale slowly and deeply, and your body should soon relax! Manage the glare It’s no secret that squinting causes headaches but what few office workers realise it that the glare from their screens can make them squint. Encourage migraine-prone employees to get glasses with glare resistant lenses, and to give their eyes regular breaks from the computer screen by looking away and focusing on an item in the distance for a minute or two. Cut down noise Noise is a migraine trigger so if you’re prone to migraines and can’t avoid noise at work, wear ear plugs or find a quiet breakaway spot to work in. If necessary, speak to your manager about reducing noise levels in the office. Get more sleep No surprises here – too little sleep causes headaches as well as grumpiness! Having a consistent sleep routine is vital for keeping migraines at bay. Wake up and go to bed at the same time every day, even on weekends. It may sound obvious but be careful with your consumption of caffeine, nicotine and alcohol and don’t over-indulge in exercise or food before bedtime – this could have a negative impact on your sleep and possibly lead to headaches. Get moving! If you sit, lie or slope about and don’t exercise you will get headaches. An aching head does not inspire us to get active but getting outside in the fresh air can help loosen tight muscles which cause migraines. Make it a priority to move – be that going for a morning run, walking part of your commute to work or pushing back your chair to do desk-er-cises during the day. Exercising will not only transform your life, but considerably reduce your migraines too.  Correct your posture Bad posture gives you headaches so make a point of sitting up right, squaring your shoulders and straightening out whenever possible. Find a way to remind yourself to ‘straighten out’, such as setting an alarm or making a mental note to sit up straight whenever you drink coffee.  Eat regularly and check your diet No matter how busy you are, don’t skip breakfast or lunch. Fluctuations in blood sugar can sometimes cause migraines so always have breakfast and aim to eat at regular intervals. Sugar and processed carbohydrates cause huge fluctuations in blood sugar so be careful of them. Cheese, chocolate, caffeine and alcohol are known to trigger migraines in some people so if you’re a regular sufferer, cut these foods and beverages out one at a time for 2-4 weeks and assess if that makes a difference. If you can’t function without your daily Caramel Frap, consider switching to decaf or limit your coffee intake to one cup.  Drink plenty of water Not drinking enough water will very often give you a headache and can lead to migraines. The first thing you should always do when you feel a headache coming on is have a good long drink of water! Make a point of keeping a water bottle on your desk and drinking from it regularly. Supplement with vitamin B2 There are several herbal supplements you can take to improve migraines which are loaded with Vitamin B2. Clinical studies show that taking regular doses can reduce some types of migraines or prevent them altogether. Your local health food store or chemist should have a range of products available. Trigger management If it’s not very obvious what’s causing your migraines, keep a diary. Note when your migraines start, what you were doing at the time, how long they last and what, if anything, provides relief.  This can really help you and the doctor to work out what next. Finally, if you are still getting migraines you should see a GP. There’s an array of things that can be done, that will make a huge difference to your quality of life. So in summary your employees should: relax, give their eyes a break, wear ear plugs to block out noisy colleagues, get some sleep, get moving, SIT UP STRAIGHT, eat some breakfast, have a drink of water and take their vitamins! For those people who struggle severely migraines, book them a visit or video consultation with a GP. Anchor: Deepika Lobo Editor: Karan M

How to set up voicemail | Set up a voicemail on Iphone and Android Phones

24 Jan 2020 · 12k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Voicemail mostly uses the cellular or land line based networks as the medium to perform this function. The voicemail feature acts in a way that is similar to the old answering machine, the main difference is that instead of the message being stored in the answering machine, it is now stored in the server of the service provider in a space reserved for the user called a mailbox. How to set up voicemail in Android ? You can call up your network service provider for the voicemail number. On your Android device enter Settings and Choose ‘Call’ or ‘Phone’. Select the ‘Voicemail’ option. Then enter ‘Voicemail settings’. You can then enter your voicemail number that was provided by your service provider. This path may vary as per device and the version of Android you are using. How to set up voicemail for iPhone: iPhone gives you the feature to set up new voicemail or transfer your existing voicemail. You have to first go to the phone application and then tap the voicemail tab and then on, “set up now.” In the next step you will have to set up the voicemail password and then tap again to confirm the same. You can either select custom or default as your greeting message. In case it is custom, you can record your own greeting message the way you want it for friends and family etc. Tap on save to confirm the greeting message. Point to be noted here is, just in case you forget your voicemail password there is practically no way to retrieve it from the iPhone. You will have to call your service provider to reset your password. Also if a new sim card is inserted then then you run the risk of losing the existing voicemails. For visual voicemails, you have to contact your network service provider to check for settings and packs. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, visit https://www.globalbankingandfinance.com/

How To Turn On Find My iPhone | What to do when you lose your phone

22 Jan 2020 · 2.2k views

Oncee you Unlock your iPhone, Open Settings on your phone, Scroll down to “iCloud” option on the screen.Open iCloud. Sign in to your Apple account. If you’ve already signed in to your Apple account, then skip this step. If you don’t have an account, then click on the button showing “Create Free Apple ID” and make your new Apple ID. https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. After that, in iCloud, scroll down to “Find my iPhone”. Tap on the button to open it. After opening it, you’ll see a slide button allowing you to turn on or off the option. In our case, you have to slide it to turn on the option. Now your phone’s location service will be activated so that you can track and recover data from anywhere. If you’re not permitted to turn on the location service, a pop-up will come asking you to turn on the location service. Tap on the setting option provided on the notification. It will take you directly to the location service option. Now turn on the location service to complete the procedure. When you set up this feature on iPhone, your paired Apple Watch and AirPods are set up automatically too. Now you can track and find if you lose these gadgets. Exciting Features of “Find my iPhone”: As we know earlier, the “Find my iPhone” service allows us to track our device from anywhere. It is a free service for all the iCloud users. You can use this service by using either the iOS app or icloud.com on a computer. In addition to locating a device, this feature also gives us three more services. No. 1 – Play The Sound: This feature allows the user to play music on the device and in case the method is on mute they can make flashing on the screen. This feature can be advantageous in the case of mislaid. No. 2 – Lost Mode: This feature only supports on iOS 6 or later versions. Using this feature, you can flag the devices as stolen or lost. It also allows the user to lock the device with a passcode. If the invention is an iPhone or Apple watch and someone finds it, they contact the user with the information shown on the screen. No.3 – Erase iPhone: This feature is beneficial in case if the device contains any sensitive pieces of information. It allows the user to erase all the data from the device. But remember that after this process, the device cannot be tracked or located. This feature comes with only iOS 7 or later. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, check out https://www.globalbankingandfinance.com/

How to start selling on eBay | What can you sell on eBay

20 Jan 2020 · 1.6k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Below we look at the salient points that you should be aware of when you start selling on the e-commerce site, and why many prefer it. Setup an eBay account The first step to selling on eBay is setting up a personal account if you intend to sell second hand items. While a business account is ideal if you want to resell items such as clothing. Using your Facebook or Google account during the setup is ideal as it shortens the process, but you have to ensure that your account has a catchy username which attracts attention. Make your listing with tools or Shopify Once your account on eBay is active you can create listings for products that you want to sell. To ensure that your account and products get the most attention you can use tools such as Quick listing and Advanced listing that eBay has. You can also opt to use the Shopify store to add new products, and once this is synced with the eBay sales channel the listings are automatically created. The e-commerce site also has a Hub for sellers, which allows you to easily manage the selling tools that you use. Choose a pricing strategy Compared to other e-commerce sites such as Amazon, eBay prices can vary dramatically. The reason for this extreme variance is that an eBay seller can price an item higher if it is not available anywhere else. Additionally eBay is famous for its auctions in which vintage baseball cards and other collectibles such as comics fetch millions of dollars. So you can choose to tag an item with a fixed price, or create a listing with the auction option. Choosing a payment method When you set up an account on eBay and use it for selling you will have to pay a certain amount of seller fees. You pay fees using several options including PayPal, credit card or check. Setting up shipping and getting paid for items sold There are several tools which eBay provides to help sellers set up shipping options. Among these options is one which allows buyers to pick up the item in person if you live in the city. There is also a drop shipping option and buyers can also calculate the shipping costs. Buyers can also opt to pay for items via PayPal, credit/debit card or when they pick the item up. Getting feedback from buyers and effectively managing and dealing with complaints is step that no eBay seller can ignore. Also it is recommended that sellers set up and adopt a process to deal with items that are returned by customers or those that go missing, and also provide refunds as per eBay rules and policies when needed. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles, checkout https://www.globalbankingandfinance.com/

What Is A Fellowship? | How does it add on to your Job experience

17 Jan 2020 · 5.5k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. A fellowship is a small duration paid learning opportunity that lasts from a few months to about two years. It provides you with the financial resources and professional support which helps you pay some tuition fees and also adds to your resume as work experience.These are mostly awarded to masters or doctoral students of merit who have a high GPA’s. Types of Fellowships: The type of fellowship one should apply for depends on the students’ area of study. The association offering scholarship would want the student to learn a specific topic, work in a particular field, research or work for a community. Some types of fellowships offered are doctoral fellowship for students of Ph.D. to conduct research in the area of specialization. NGO’s offering fellowships for students who are looking for humanitarian initiatives, medical fellowships for MD students who are training in the field of child care, women’s health, etc. Not to be mistaken with a scholarship, In a fellowship, you need to complete the assigned job before receiving the money while in a scholarship you get paid upfront to pay the tuition fee. A fellowship is also a great status symbol and is not a financial aid as in scholarship. Advantages of Fellowships: Professional network: A fellowship provides a major networking opportunity for aspiring students and also includes mentorship and training. It helps to interact with leaders, mentors, and another executive, who can help you gain more professional knowledge and valuable work experience. Get to work on challenging tasks: It can help you provide ‘fellows’ work that is interesting and challenging. Provides financial support to work abroad: There are many fellowships which provide you with an opportunity to work abroad and gain valuable work experience in a foreign country. These fellowships will provide a stipend along with taking care of the visa and travel. Applying for Fellowships: If you are seeking a fellowship it is highly competitive and thus essential that you start the process of building your skills very early. Many schools offer programs in their schools to help their students get a fellowship. To apply for it, you should be doing a full-time masters or Ph.D. degree. Apart from that, the student should have good grades, have great leadership qualities, good oral and written communication skills, research experience and be a motivated individual. You will need to have a resume, a summary of the research project you propose, recommendation letters and transcripts for applying. A fellowship is a coveted opportunity for graduates to earn money, gain experience and also conduct research in the chosen field. For more informative articles, check out https://www.globalbankingandfinance.com/

FE CREDIT- Scholarship Inititative

16 Jan 2020 · 131 views

FE CREDIT always believes in giving back to the society and creating a sustainable growth. We embrace our social responsibility by continuous contribution to the economic and social development. With a mission of "Enhancing the quality of life" and "Realizing a millions dreams" of Vietnamese people, recently FE CREDIT, in collaboration with execution partner non-profit organisation Saigon children gave scholarships and self-defence training to poor children in Tieu Can District - Tra Vinh province. The initiative was taken to help poor students have a chance to go to school and equip them with necessary skills. FE CREDIT wishing everyone a bright future and Happy New Year.

Why do you want this job? | The most Frequently asked Question

14 Jan 2020 · 225 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. One of the probable questions that you may be asked when you attend an interview is why you want this job. At the outset, this looks like an easy question to answer. This question is just like ‘Why should we select you’. It can be a make or break question. How you answer this question can decide whether you get the job or not. The answer to this question must project your strengths. It must help the interviewer understand how you suit the job. If you can convince the interviewer, you can ace the interview through this answer. Why does an interviewer ask this question? Most people hate this question and would be happy if it isn’t asked. Interviewers ask this question, as they want to hear you talk and highlight your skills. They want to know how you find yourself suitable for this job and how you can explain this. They want to understand what your career goals are and how it fits with the organization’s goals. All these need to come out through your answer. If you answer this question in one word or one sentence, then you can forget about clearing the interview. How to answer this question? There is no standard answer to this question. It depends on the company you have applied, the job role and skills required, and your profile. You need to link them all together to answer this question. Let us look at two sample answers and try to understand if you should answer in this way. 1) I want to be a part of one of the best companies in this sector. I believe I have the skills needed to succeed in this job. That is why I want this job. Now this is a good answer as it highlights a positive aspect of this company. It also talks about your skills matching the job requirements. The problem with this answer is that it is too generic. It does not explain why you think this is the best company. Neither does the answer expand on the skills you have. You need to provide more details to convince the interviewer why you want the job. 2) Your company is well-known as the leading customer-service organization. You have a reputation of having the highest customer satisfaction levels. In my career in customer service, I have focused on providing the best service to clients.The customer service skills and experience that I have will help me succeed in your company. I am confident that I can provide the best customer service and help the company achieve its goal of total customer satisfaction. I am looking to work in a company that provides me a great opportunity to learn and grow. I know this will be possible through the training and career progression that you have. This is why I want to work here. This is a perfect answer. It covers all that an interviewer would expect from a candidate while answering this question. First, it talks about how the company is the best in customer service and talks about the area in customer service the company is known for, namely customer satisfaction. It talks about how the candidate can contribute to the company. The core reason of how the organization can help the candidate grow is highlighted. For more informative articles visit: https://www.globalbankingandfinance.com/ Anchor: Deepika Lobo Editing: Karan M

How to start your own clothing line | Become an Entrepreneur by selling clothes Online or Offline

8 Jan 2020 · 216 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Creating your own clothing line brings with it a lot of responsibilities and importantly allows you to showcase your creativity alongside your business. With celebrities, fashionistas, entrepreneurs and even stay at home mothers queuing up to launch clothing lineups that capture their unique style, we look at how you can create one of your own. Importantly using these simplified step by step process, you can create a successful clothing line and ensure it remains profitable and popular. Discover what you are passionate about A successful clothing line relies on you getting several aspects right, but primarily its popularity and longevity hinges on your sense of fashion and how relevant it is to your customers. So, when launching your clothing line, ensure that it reflects what you are passionate about and how your personal style is unique. By showcasing your style and fashion sense, your clothing line whether it focuses on T-shirts, winter clothes or swimwear created from advanced materials will effortlessly stand out from the rest. Create a business plan that you are comfortable with Once you understand what you are passionate about and what you want reflected in your clothing line, you need to create a business plan. With a solid business plan, even if you have limited or no expertise in the fashion space you can build a successful clothing line. Also, in your business plan for launching a clothing line you should include a timetable for hiring designers, staff and other personnel and also decide on what type of company you want to create. Researching the current fashion marketplace, clothing and materials offered by competitors should also be part of your business plan. Ensure that your brand identity is solid Building up your brand and making it popular should be done as soon as your start advertising for your clothing line.Also ensure that you have devoted sufficient time to establishing a unique identity for your brand. As part of building your brand it is also ideal that you get social media accounts on Instagram, Pinterest, Twitter, and Facebook up and running. Sourcing and creating your clothing line Once you have your designs for your clothing line in hand you can start the process of sourcing materials for producing it. Materials for creating a clothing line often have to be sourced from several countries spread throughout the globe. So, ensure that you have factored in sufficient time in your business plan, to get the best available materials at the right price. During the creation of the clothing,it is also ideal that you partner with a reputable manufacturer who has the required experience. Putting your clothing line into the market Getting your clothing line into the market often means placing it in brick and mortar stores. Also, it is ideal that you have an online shop set upon your own website. In addition,it is vital that you offer your line via an e-tailer such as Amazon as they provide the best exposure to prospective customers. Ensuring that your clothing line is top notch and remains profitable over the years is not rocket science, especially if you have a good business plan to follow. As a result, more entrepreneurs are opting to create a clothing line, and the days when the space was dominated by celebrities, fashionistas and social media influencers are quickly fading into the past. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles visit https://www.globalbankingandfinance.com/ Anchor: Deepika Lobo Editing: Karan M

What is an Eco System? | How is the Climate change Affecting it?

3 Jan 2020 · 444 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. We might have all learnt about the ecosystem in school. But its time to learn it again. Welcome to another episode of Global banking and finance review. my name is Deepika Lobo Today we're going to talk about “The ecosystem and how climate change is affecting it " An ecosystem is a community of both living and non-living components in a specific area. The ecosystem can be large like the rainforests or small, like a hot spring. The most essential components of an ecosystem are water, soil and its minerals, air, energy, and nitrogen. For an ecosystem to thrive, apart from these essential components, topography, time and climate have a major impact. How do External Factors Affect the Ecosystem? There is a major impact on both living and non-living things of an ecosystem if any of the ecosystem components are affected. So, when there is a climate change, a small temperature variation can affect the soil moisture which impacts the microorganisms that live in the soil which in turn has an impact on the plants that grow. If the plants don’t grow well there is an imbalance in the food chains which affects humans and animals. So what are the Types of s? It is broadly classified into three types: Ocean Ecosystems: Most of the earth is covered by this type of ecosystem and has numerous plants and animals living in them. This ecosystem produces about 70% of the oxygen required for breathing and 40% of the photosynthesis happens in the ocean. It includes oceans, seas, saltwater bays, inlets, shorelines, and marshes. Freshwater Ecosystems: It is a small area which is about 1.8% of fresh water found in the earth and has various flora and fauna. Terrestrial Ecosystem: It consists of 7 types of the ecosystem, the deserts, grasslands, tropical founrainforests, coniferous and deciduous forests, tundra and the savannas. the climate has a major impact on the terrestrial ecosystem. A Balanced Eco-system is the need of the hour and we need to work towards achieving the same for our future generations. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. For more informative articles visit https://www.globalbankingandfinance.com/ Anchor: Deepika Lobo Editing: Karan

The truth you need to know about becoming an Astronaut | Qualifications to become an Astronaut

24 Dec 2019 · 559 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. today we're going to talk about “The truth you need to know about becoming an Astronaut” we are giving away one year free subscription of Global Banking and Finance Review Magazine to be delivered at your door step, to one lucky winner. Stay with me for more information Most of us as kids wanted to become astronauts. maybe even i did. But only a handful have been able to fulfil their wish of becoming a professional astronaut. The passion of reaching the space is not something that can become a reality overnight. It involves years of dedicated approach, education, and experience. Despite all these efforts, many can’t get through the first attempt as only a few applicants can become astronauts making it hard to get through. so what education do you need to become an astronaut? The first thing is to have relevant experience in school. there are two main categories of astronauts applicants: Military and Civilian. the aspiring astronauts should have a bachelor’s degree in maths, engineering, biological science or physical science at the least. Many successful astronauts have a master’s and a doctoral degree. Now coming to the most complicated part. Physical fitness: Candidates have to be in great physical shape with a 20/20 vision, a height between 62 and 75 inches for a pilot astronaut and a height between 58.5 and 76 inches for mission control astronauts. Blood pressure less than 140/90. It is essential to be a good swimmer. If you are applying for a pilot astronaut post, then it is recommended to have flight test experience. should not have any diseases and is not dependant on drugs, alcohol or tobacco. The candidate should have normal functionality in all the joints The candidate should not have any mental health issues. that was quite a long list wasn't it? Let me continue There will be many interviews during the selection process where the candidate will be tested physically, mentally as well as psychologically. If you are selected after this rigorous process, you are still not considered as an Astronaut as there are other procedures to complete. You will have to complete two years of training where you will work as an astronaut candidate. During this period, the candidate will get classroom training about the space stations and spaceflight. Here you will have to learn scuba diving, water survival training, swimming tests, and will be trained in atmospheric pressures of varying degrees high and low. You will also be trained in Russian language, conduct flights in vomit comet and much more. Post the graduation, the astronauts will still not be assigned flights, and it may take years before they are sent. Till then they will have to work as backups to other astronauts in Orbits, work in NASA and other partners like Canada and earn to operate the robotic arm. They are also expected to be proficient on T-38 aircraft and have minimum hours of flying time per month. Even if the astronaut is selected for a flight it will take a few years to complete the training. The civilians who complete the training will have to be a NASA employee for at least 5 years before they can become an astronaut. Uff.. we wouldn't want to be astronauts if we heard this as kids would we? Did you want to become an astronaut when you were a child? How hard did you think it was? Let us know in the comment section below. For more informative articles visit https://www.globalbankingandfinance.com/

Apps that you can make money from | Make extra Money easily

20 Dec 2019 · 403 views

In today’s world the internet has taken everything by storm, ranging from studies, to buying groceries, getting a perfect match, or becoming a star. Now, what if I tell you that you can earn money by downloading few apps, that may sound to be some kind of a phishing or a bait but believe me there are apps that won’t make you a millionaire of course but can become a good source of passive income. So, without wasting much time, let’s have a look on few of them and get those extra bucks in our pocket. Foap Can you even imagine that a picture of your dog could help you to earn a surprisingly good amount? Yes, this is possible now through the app called Foap. All you have to do is just click some good photographs and post it on this app. Let me tell you that you have all the freedom to charge what you think is suitable for a picture taken by you. People are willing to pay a good amount in return of varieties of photographs. This makes Foap one of the best Money-Making App. Fieldagent Fieldagent one is another popular Money-Making App, you can look forward to. All you have to do is go the main navigation window and from there to Job List, you will find a Map view here. Choose a job you could perform by going through the additional details, if you find it suitable accept it. You have the time of two hours to perform the task and complete it, once you have selected the job. Before starting the task, ensure that you are not far away from the objective. Google Opinion Rewards When it comes to Money-Making Apps then we cannot rank Google Opinion Rewards any lesser. Unlike other apps, the money earned here could only be used only in Google Play Store. To earn money from this app you have to be a part of some surveys, which are basically related with the places you have visited. By answering the survey question, you will get the Google Play credit. This credit could be spend upon the games and apps of Google Play Store. Paribus By using this app you can easily get the money back on the purchases made by you online. Once you have signed up, it will get your email archives scanned for the receipts. And if in case its found that a purchase is made by you from the retailers monitored by it, it will get the price of the item tracked and assist you in getting the refund anytime whenever the price drops. Now Doesn’t that sound interesting? Ncponline You can earn rewards by just being a panelist at Ncponline. Get your purchases scanned and share that data in order to earn points. You could also be contacted often, not on regular basis, to share your opinions. This is one of the reliable Money-Making App that doesn’t need much of your time and engagement. Just spend an hour on weekly basis to keep earning the points. Every interaction will help you to earn some points, later on you can encash them in return to rewards, when you are sure that you have earned enough points. Have you tried any of these money making apps? Let us know in the comment section below. For more informative articles visit: https://www.globalbankingandfinance.com/

What’s causing your back pain? - 5 common triggers

17 Dec 2019 · 246 views

Dr Allard says “What triggers your back pain often depends upon your age, and as people get older, the pain tends to become more severe. A young person usually has pain caused by a joint or they’ll have pulled a muscle. While an older person in their mid-50s or early 60s will be more likely to have a disc that’s degenerated. And eventually, later in life, because the spine has no more suspension, it becomes a ‘boney’ pain. Like a toothache you feel inside your spine,” . Here are some of the common issues that may be causing your back problems, according to Dr Allard. An injury Most people can recall an episode in their life where they hurt themselves, such as askiing or football injury when they were younger. After an episode some people get discs tears, which could remain dormant for a few years or even decades, but by the time they start feeling pain, a large amount of damage has already taken place. The outer third of the discs is the only part where you’ll feel pain – it’s possible to have cracks in the inner part of the disc and not feel it. So, pain is not necessarily a good indicator that a problem exists. Long hours spent sitting In the inner part each of the discs in our spine there’s liquid made up of water and a substance called proteogly can, which is the food for the cartilage. Little cells in the end plates secrete the liquid but they’ll only be activated if there’s movement between the vertebrae. So therefore, if someone is sitting down on a chair for eight hours a day, the body will not feel the need to secrete the liquid into the discs, and therefore the discs will starve themselves. The body will adapt to make the cartilage weaker, because it doesn’t need to be strong due to the body not moving often. The problem comes in when a person moves more on the weekend and does something active, like gardening. If their discs have become weaker, this puts them at risk of injury. Therefore, it’s very important to move often. A poor seated posture When somebody sits, they need to have a good lumbar curve (an inward curve in the lower back). If a person sits at a desk or on a sofa and slouches, this curve can disappear, resulting in their spine becoming straighter and absorbing less shock when they get up and move about. I always tell people to sit at the back of the chair, and make sure you’ve got a good lumbar support in the chair, so you can stick your bum out a bit. Your psoas muscle isn’t strong enough Few people know about the psoas muscle, which connects to the spine. If you sit for a long period of time, the psoas muscle shortens and when you get up, your vertebrae pull forward. It often happens when people sit in a car for a long time – you might feel slightly bent forward when you get out, and the first couple of steps you take are shorter. The psoas crosses the joint of the hip, so if it’s too tight for a long time, it will make the hips wear too fast. Your mattress A mattress has to be firm enough but not too firm. If a mattress is super hard you might end up with shoulder problems if you sleep on your side, or lower back problems if you sleep on your back. You need something that takes the shape of your body but doesn’t let you sink in. I’m a big fan of anything that’s made with natural materials – like latex mattresses. For more informative articles visit https://www.globalbankingandfinance.com/

How To Start An Online Radio Station | Start an Internet Radio

10 Dec 2019 · 4k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Internet radio has seen tremendous growth over the last ten years[i]. Approximately 124 million listeners tune in to radio via their laptops, mobile devices, and tablets in the USA alone every month, and the number is only increasing. Furnish your studio with the required gear besides a computer, there is other equipment that you need to start a radio station like, Microphone: Microphone is required to convert sound waves into electrical signals. It is needed to speak to listeners, hold interviews, and create radio imaging like the station ID. You can choose between a Dynamic, Condenser, or Ribbon microphone. Audio Software: An audio program is needed to tweak your audio files. Audacity is an open-source, easy to use, and free audio program which is a popular choice. Audio mixer: Audio mixer is used to combine and control more than one sound input. It can be used to manage the volume level for each information, and it also provides audio enhancements and can supply phantom power to microphones. Headphones and speakers: They are used to monitor the voice, preview the next track in the playlist, and listen to background music. Internet-enabled computer: Slow internet connection would lead to delay in sending data to the server, conducting to buffering. 2.Select playout software: You can choose between DJ programs, media players, and radio automation programs. Virtual DJ, Serato Pro, and Mixxx are some well -known playout software. 3.Connect your broadcast server to computer or studio: Connect your encoder to your server and connect through the encoder program. 4.Begin broadcasting: Once you have the playout software setup with an encoder, you can stream sound to the server and are ready to broadcast. You can transmit all kinds of content like news alerts, music, talk shows, interviews, pre-recorded shows, and podcasts on your station and regale your listeners. For more informative articles visit https://www.globalbankingandfinance.com/

Global Banking & Finance Award Winner- BIDV Securities Joint Stock Company (BSC)

9 Dec 2019 · 232 views

Exclusive interview with Mr. Đỗ Huy Hoài, General Director of BIDV Securities Joint Stock Company (BSC) to discuss their 20 years of successful operations, Vietnam's securities market and the derivatives market.

Global Banking And Finance Awards - Call For Entries 2020

5 Dec 2019 · 858 views

Hello and Welcome to Global Banking & Finance Review, a leading Financial Platform established in 2010 – A Media Powerhouse with its own Online Portal, Print & Digital magazine read by over 3 million People annually. Our Audience includes CEOs and Senior Decision Makers from Fortune 500 companies. The Global Banking & Finance Awards were created in 2011 and reflect the innovation, achievement, strategy, progressive and inspirational changes taking place within the Global Financial community. The awards were created to recognize companies of all sizes which are prominent in particular areas of expertise and excellence within the financial world. The awards process is free of charge. This includes Nomination, Selection and announcement under the Award Winners section of the website and on the Print Magazine. Some of the biggest names from the Financial World have participated in our Awards Program over the last 9 years and here is a quick look…….. Award nominations in the various Awards categories are received from our readership or from individual companies themselves through written submissions or by way of our on-line nomination form We would like to invite you to participate in our 10th Annual Global Banking and Finance Awards. To nominate a particular company for one of our Awards (which may include your own company), please, in the first instance, complete our online nomination form or email us at awards@gbafmag.com Filling the online nomination form is a simple 2-minute process. Start off by entering the name of your company. Select the Award Category from the drop-down menu and select the sub category from the list. Then proceed to select the Country or Region where you would like to participate in and complete the process by filling your contact details and hit submit. The closing dates for various categories and Countries will be mentioned in the Awards Timetable section of our website. We look forward to receiving your nomination and have a great day. To Nominate an Organization, Please visit https://www.globalbankingandfinance.com/global-banking-finance-awards-nominations/ To know more about Global Banking And Finance Review https://www.globalbankingandfinance.com

How to start an Online Store | Become a part of E-commerce

25 Nov 2019 · 836 views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. It is believed[ii] that by 2040, 95% of all sales will happen online. This represents a huge potential for earning that you can explore. All you need to do is start an online store and you can reach out to the millions of online shoppers and sell your product. The demand for online selling is growing every year.If you have a product to sell, you can start an online store and establish a presence in the world of e-commerce. If the idea interests you, then watch this video to know how to start an online store. For more informative articles visit https://www.globalbankingandfinance.com/

How To Start An Offline Radio Station | Anyone can start a Radio Station

21 Nov 2019 · 11k views

Today we're going to talk about “How To Start An Offline (Non-Internet) Radio Station". so follow the underlying steps to start an offline radio station. First, apply for a frequency, which may take a long time in getting assigned itself Apply for a license because operating an unlicensed radio station is illegal even if it is done at meager power. Establish a source of funding for expenses like studio space, power, radio jockeys Decide between starting a low-power or high-power radio station and apply for broadcast station construction permit. This has to be done from the Federal Communications Commission (FCC), and it includes paying the application fee. Depending upon how far you would like your station to be broadcast, decide how much power you would need. Purchase the required equipment like the transmitter gear and the antenna. If needed, rent space on a tower for the antenna. Build up the studio, including the soundproofing, speakers, headphones, microphones, etc. Hire broadcasters as per your need. Run mock practice sessions with the broadcasters to give them a good practice of technical equipment and handling before going on-air. Eliminate all errors from the programming schedule and ensure the smooth running of the station before going on-air. For more informative articles, visit https://www.globalbankingandfinance.com/

How To Negotiate Salary | Things to say while Negotiating Salary

15 Nov 2019 · 329 views

Whether it’s a new job or in your current company asking and negotiating a salary is quite challenging and has to be done tactfully. Before you talk to the company representative for a better salary, there are a few things you should know. Do thorough research: Before you sit across the negotiation table, ensure that you conduct thorough research on the current market trend. It is best to talk to experts in this domain which includes recruiters, friends who are in similar jobs or peers to find out what is the market rate for your current role and experience. There are many online resources too that can help you provide a salary range for the job title you are currently working. However, note that it does not include many factors and thus not highly reliable. The best way to know your worth is by giving interviews even if you are not on the lookout for a new job to stay updated on the available salary limit. Don’t settle for less: Many people make the mistake of not adding the benefits as part of the total salary package. So when negotiating the salary, you should ensure that you add them and then calculate the compensation. Please don’t accept the offer immediately take time to evaluate it and then make a decision. Base it on your current situation: Negotiations are based on your current employment status. If you are unemployed, expect the salary to be less than or the same as the old salary, but if you are in a good position, you have the upper hand. Choose the right time to ask for a raise in the current company: Choose the right time to put forth your salary raise request. If the current company is providing internal job transfers, it is a great chance to make negotiations. If the management does not provide a raise despite a promotion citing financial reasons, show the market data of how much it would cost to hire someone new and ask for a raise based on that data. You can also bring the topic of salary hike after a good performance as that would help you show the value of your work and also justifies your ask for a raise. Be professional about the whole process and don’t make it personal if your manager rejects your request. While negotiating a salary, there are specific things that you should not say as that leads to an adverse effect. Some of them are 1. Telling your employer that other companies are ready to hire you 2. Promising to work extra and on holidays and weekends. 3. Talk about your financial commitments and how you are struggling to make ends meet. 4. Telling the representative that you are worth more than what is offered and you earned much more years ago. While negotiating a salary many people get fixed with a certain number and forget the bigger things in perspective. Ensure that along with the right salary you should think about your long-term goals and your career progression. For more informative articles visit https://www.globalbankingandfinance.com/

How to start a coffee shop | Different options to choose From

11 Nov 2019 · 578 views

A coffee shop is a place not just to have coffee but is a place to meet people, interact with them and have a good time. Business persons meet clients and partners at coffee shops to plan their work over coffee and snacks. For young people, a coffee shop is a hangout to socialize with friends.If you have a coffee shop in a good location and offer the right ambiance with tasty coffee, you can expect a continuous inflow of customers. Own brand or a franchise You can start a coffee shop in your name by starting your own brand and then building the brand gradually. An easier option is to open a franchise of a top coffee shop that is already successful. Starbucks, Costa Coffee, and Coffee Republic are some of the top coffee shops who allow entrepreneurs to open a coffee shop in their name. Franchise model is beneficial, as marketing becomes easy piggybacking on an established brand’s name. The downside is that a large fee needs to be paid to the mother company. Every month, a percent of the revenue should be shared with them. In return, they provide support to run the shop. If you don’t like the idea of a franchise, you can start your own brand. Purchasing an existing shop Instead of starting a coffee shop from scratch, you can buy an existing shop from its owner. You can buy a shop, renovate it, change its name, and commence operations. This will work out if the price the shop owner asks is within your budget. Location The location is the most important thing to decide the success of a coffee shop. The location must be such that customers find it easy to drop in on their way to school, college, or work. The location must have proper parking to make it convenient for customers. Opening in the wrong location can be a fatal mistake, so you need to do market research to determine the location. Plan and Implement Make a business plan outlining how your business works. Plan how you will promote your coffee shop. Plan how you will obtain resources needed for your shop. Most importantly, you need to plan the money needed to start the coffee shop. You also must plan how much you will spend each month and how much you can earn. Pricing must be decided carefully keeping in mind pricing of competitors and understanding how much customers are willing to pay. You need to plan for the licenses and approvals needed. Implement your plan and get started. Secret of success Use innovative ideas to achieve success. You can offer free internet. Some coffee shops even offer customers a space to work. Innovations, an attractive interior décor, good coffee, and great service can help in attracting customers. If you can offer value to customers, you can price your offerings in such a way that you can make your coffee shop successful and earn profits. For more videos and informative articles, visit https://www.globalbankingandfinance.com/

How to ace an interview | Tips to Land the Job You Want

8 Nov 2019 · 379 views

We're gonna have a look at how you can prepare for an interview, and what tips work the best when it comes to landing the job that you want. We also look at what mistakes you need to be aware of and avoid, and how you need to dress for an interview. Tips on what to avoid One of the mistakes that most people make is failing to turn their phone to silent mode when in an interview. In addition to this particular mistake, many fail to bring additional copies of their resume, while others chew gum when waiting for the interview to start. Sweaty hands are another thing that should be avoided and washing your hands or toweling them dry with a wet wipe helps deal with the situation. Prepare answers to widely used interview questions While there are several unusual interview questions, the chances of you facing them during an interview are negligible as companies have learnt that there is very little information to be got from them. So instead prepare to answer the questions that are most routinely asked in interviews. When preparing your answers ensure that they are unique and showcase your knowledge. Also, when answering questions use examples to show how you have handled problems and projects in the past, as these will convince the interviewers. Stay calm and ask questions An important part of an interview is the ability to stay calm and deal with the questions without becoming anxious. Preparing answers to questions beforehand will help you remain calm and cool when answering them. Also prepare a list of questions you want to ask the interviewers. Additionally,ensure that you ask the questions throughout the interview to ensure that you get answers for all of them, and they are not kept for the last few minutes. Practice how to handle a phone interview Interviews are often rescheduled and held over the phone or sometimes the first phase interview is done via Skype. So, spend some time on setting up the necessary items for a telephonic or Skype based interview, and ensure you have the appropriate headphones and quiet room setup. Research the company and its dress code Whether you are taking up a phone based interview or going to an office, you need to research the company and its products or services. When doing this research, spend time going through social media accounts to find details about current events. Dressing appropriately for an interview is also important and your outfit will need to adhere to the company’s dress code. So, find out what the company’s dress code is and whether you have appropriate clothing in your wardrobe. Researching is just one aspect of what you need to do if you want to ace an interview. In fact, the longer you spend preparing for an interview the better you will be able to handle it. Finally, do not attempt to completely hide your personality when attending an interview. For more informative articles visit https://www.globalbankingandfinance.com/

The Thai Credit Retail Bank Public Company Limited

5 Nov 2019 · 420 views

Exclusive interview with Mr. Winyou Chaiyawan, Chief Executive Officer of The Thai Credit Retail Bank Public Company Limited in London.

5 Inspirational Rags to Riches Celebrity Stories | Celebrities who Grew from Nothing

22 Oct 2019 · 962 views

We present to you 5 such rags to riches stories of popular celebrities who are now multimillionaires. 1. J K Rowling J K Rowling is an acclaimed author who created the magical world of Harry Potter. She has taken the literary world by storm and became a billionaire, thanks to her literary achievements. But Her journey to success was not easy by any means. Her life started with poverty troubling her at all stages. She was a single mother, who struggled to make ends meet. She even had to face a situation, where she did not have money for food. She did not allow her troubles to impede her quest for success. She knew that she could write and was determined to achieve success. Her manuscript was rejected twelve times. Her agent told her that she could never hope to make a living out of writing. This would be sufficient to make most people give up. Fortunately, she did not and finally, her story was accepted for publication. The rest is history! Her story tells us not to give up whatever may be the obstacles we encounter. 2. Jim Carrey Comedy actor Jim Carrey is a favorite among all those who love this genre. His performance in the Mask and other such movies has won him fans all over the world. The stories of his early days though are one of sadness. When he was 12 years, his father lost his job and the family lost their only source of income. With no money, they could not even afford a house and had to stay in a van. With the family in a desperate situation, Carrey had no option but to drop out of school and take up work. He worked as a janitor and security guard to earn money for his family. His situation did not make him lose hope or give up. He believed he had a natural flair for comedy and pursued this line. Soon he got into the comedy circuit and people started to take note of him. This opened up a career in Hollywood with movie offers. He went on to become one of the top actors with a great fan following. A multi-millionaire now, he would never have reached this far had he given up hope in those difficult days. The lesson we learn is to pursue what you love, no matter what the troubles you may have. 3. Selena (seleena) Gomez A favorite of the paparazzi, she is one of the well-known celebrities in the world. A millionaire leading a life of luxury today, bu the adulation and fame that she is enjoying today came by overcoming many difficulties. Her mother was a single parent and raised Selena on her own. In fact, her mother was just 16 when Selena was born. She went through many difficulties to make a living. Selena had a tough childhood with no money and no access to the facilities that other children had. Her mother was a performer and Selena learned from her. Her mother’s focus on her work inspired Selena who aspired to be like her. Soon her talent was recognized by Disney and at the age of 7, she entered the world of television. She became a well-known child star on TV. This was followed by movies, music, and fame. 4. Snoop Dogg A popular and well-known rapper Snoop Dogg is one of the top stars in the world of rap music. In the 90s, he specialized in gangsta rap music. This is based on his life and his experiences. His is a story of someone who came from a very difficult background and worked hard to achieve success. His childhood and young days were spent on the California streets, where he experienced crime firsthand. He had bitter experiences with the law and his surroundings were sinking him into the world of crime. He, however, did not allow this to happen. He worked hard and used his difficult circumstances to achieve success. His songs talk about his struggles and his life. The turnaround he achieved and how he used his experiences to achieve success is what we can learn from his story. 5. Mark Wahlberg. One of the leading stars of Hollywood, Mark Wahlberg is a millionaire and at one time was the highest paid actor in the industry. Rag to riches exemplifies his life. His childhood was not difficult, but terrible. One of nine children in a poor family, he faced only difficulties at childhood. With no money, he had no option but to enter the world of crime. He had to sell drugs to make money and faced abuse and violence. He spent 45 days in prison and was on the verge of entering the world of crime when he managed to pull away. He took an oath to be focused on his career. He dabbled in singing before moving to movies and attaining fame. His story tells us that even when everything seems dark, there is still light ahead if you can focus on it. Each one of these successful persons achieved their dreams by sheer effort with a single-minded focus on their goals. We can learn from their stories and similarly focus ourselves with the hope of achieving our goals. For more interesting articles, check out our website https://www.globalbankingandfinance.com/category/top-stories/ Anchor: Deepika Lobo Video editor: Farhan Shaikh

Global Banking & Finance Award Winner - meem By Gulf International Bank

14 Oct 2019 · 1.1k views

Exclusive interview with Andreas Skopal, Group Chief Digital Officer, meem by Gulf International Bank

Best work from home jobs - work from the comfort of your home or any remote locations you like

3 Oct 2019 · 1.2k views

You don’t have to always go out to a particular work place to do your job. Especially with the advent of internet, You can make your home a comfortable workplace for yourself. So let me tell you the various work from home jobs that you can do according to your expertise. 1. Online Tutor You could make a living by helping people out and teaching them what you know. You can teach kids from school and also college students. There are a lot of people who could use your help. Thankfully, with the Internet, you don’t have to be limited to your local geographic area. You can teach kids and people from all over the world. You can find work on Tutor.com and Wyzant. 2. Baker/Chef If you’re good at baking or cooking, then turn your passion into a side business. You could become a chef. If you’re a baker, you could sell your goods to friends, neighbors, at local markets and even online. 3.Blogging Blogging is inexpensive and easy to start. You could write about food, fashion, lifestyle, music and so on and eventually, start generating money from your site. You will have to pay a small amount to start cashing in on your blog. 4.Data Entry Inputting data for businesses might not be that interesting as a job, However, you don’t need any previous experience and can also get paid on an hour basis. 5. E-commerce Store Owner You can become an e-commerce store owner by selling your goods online. There are five types of e-commerce business models which you can get into: dropshipping, wholesaling, manufacturing, white-labeling and subscriptions. You can launch your own ecommerce store on sites like Shopify, Magento and WooCommerc., 6. Handmade Crafter Do you make handmade products like jewelry or furniture? If so, try setting up an Etsy shop and selling your handmade crafts online. 7.Film and Post Instructional Videos Are you really good at something? Try creating a YouTube account and filming yourself instructing others on how to do what you're skilled at. To start earning some cash, enroll in YouTube’s partner program so that you can make money according to the views obtained. Are you currently occupied with a work from home job? Let us know about your experience in the comment section below. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one year free subscription of Global Banking and Finance Review Magazine. https://www.globalbankingandfinance.com/ Anchor: Deepika Lobo Video editor: Farhan Shaikh

Iphone 11 Trio- Whats The Big Deal? - New Features launched

23 Sept 2019 · 1.5k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. The iPhone 11, iPhone 11 Pro and iPhone 11 Pro Max is Engineered with cutting-edge technology and is supported by new-gen technology packing a dynamic processor, powerful battery life and a ground-breaking camera system , finished with a spectacular Pro display. The most eye catching feature is its tripple lens camera. These models come with a powerful fusion of telephoto and ultra-wide sensors, teamed up with its wide-angle lens. No camera in the mobile technology has such out-of-the-word features like the trio possesses. and its not just photo editing this time. the features transfer to video editing as well. The phone also has slow motion selfies, also called slofies. The iphone 11 comes with a 12-megapixel wide and ultra-wide lens. While the iphone 11 pro and 11 pro max comes with a 12 megapixel wide, ultra wide and telephoto lens. and All the three models come with a 12 megapixel front facing camera. The iphone 11 comes with the storage capaity of 64, 128 and 256GB. The Iphone 11 pro and 11 pro max come with the storage capaity of 64, 256 and 512GB. The battery is another factor where the iphone 11 pro max lasts 5 hours more than the iPhone XS Max. The additional rear camera, is ofcourse a significant improvement comapared to previous models released in 2018. anchor: Deepika Lobo Editing: Farhan Shaikh Content: Madhusudhan and Deepika Lobo For more informative articles check out https://www.globalbankingandfinance.com/

How Gig Economy is overpowering the traditional salaried Jobs | Why Freelancing is A Thing

17 Sept 2019 · 824 views

The gig work environment consists of independent contractors, freelancers, part-time workers and project-specific professionals. The newfound freedom enables freelancers and contractors to select jobs and projects from around the world. Speaking about the Employers, they have the freedom and flexibility to pick the best talent for specific projects from across the world as well. Leveraging the Benefits of the Gig Economy If you have a good variety of skills at different levels, securing gigs for your livelihood or creating a second source of income is pretty easy. You need to adapt the following best practices to leverage the benefits of a gig culture: Pick your niche: Realize and follow your passion by matching with existing skills and interests. Set a schedule: Enormous flexibility of the gig economy enables you to plan and schedule your tasks Manage your finances: For a freelance worker, building a budget and organizing the finances is a great way to control and document income and expenses. It also helps you plan and prepare for your taxes. Consider every gig an audition: Treat every gig with equal importance. Your performance can strongly impact your ability to secure future projects. The Digital Labour-Sharing Platforms Freelancers and gig workers connect with clients remotely online through a double-auction model. Gig workers can submit their bids to clients and vice versa. The relationship is treated as independent contracting where the digital platform acts as the intermediary. some of the websites you can checkout are Fiverr.com, freelancer.com and Upwork. This innovative approach has an increasing number of gig workers enjoying independence compared to traditional salaried work. Nearly 50% of those surveyed expressed their opinion to stay independent and not go back to a full-time, salaried job. With abundant opportunities for new-gen professionals and employers, independent workforce is rising at a rapid rate. Combining that with ground-breaking technology makes the gig economy a great place to secure jobs with freedom and flexibility. Anchor: Deepika Lobo Video editor: Farhan Shaikh For more informative articles checkout https://www.globalbankingandfinance.com/

How to become a millionaire in 5 years? | Tips to make Money

12 Sept 2019 · 1.1k views

How to become a millionaire in 5 years? Develop a financial plan Every one of us has a financial plan that determines how to spend money on different things. If you want to make more money, you should alter your financial plan, and for that, you need to make a thorough research on people who are making money. It may help you think, act and behave like them. Having a right visualization of your financial expenses, savings, and investments can help you become a millionaire in 5 years. Take risks Most of the millionaires are entrepreneurs as they are the ones taking risks in their life. If you are brave enough to start your own business, that will be a great step to become a millionaire. The success of your business depends on the way you make it. You have to spend long hours and work hard to build your business. Therefore, you should be careful when you make your business choices. For example, real estate is the most profitable business for years. Overcome excuses It is easy to make excuses to hold back from anything that you are not interested, and overcoming these excuses are not very simple. The first step to overcome excuses is to identify your excuses and find suitable solutions to overcome them. A tight time schedule along with a strong work ethic will definitely produce the targeted results. Earn a lot of money i know! Duh.. right? But, when you work hard and sacrifice, you can increase your income within a few years. If you can save a good part of your income, you can concentrate on making more revenue by starting a side hustle. It may take time to build up, however, gradually you can develop it as a full-fledged business. Save money Yes i know! This is even harder! But To save more money, you may need to make changes in your lifestyle and financial plan and focus on living a simple life. INVEST! Investing is one of the most important ways to earn money on your current savings. If you want to make a significant amount of money quickly, you SHOULD be ready to take risks. But before making investments, you must learn about the possibilities in the stock market. The stock market may provide your investment with compound interest. The compound interest may help you earn an extremely good amount of money. For more interesting articles, Visit https://www.globalbankingandfinance.com/ Anchor: Deepika Lobo Video editor: Farhan Shaikh

Redefining and Supporting Consumer Finance in Vietnam

9 Sept 2019 · 825 views

FE Credit is helping to redefine consumer finance in Vietnam, developing fast and easy consumer finance solutions to help Vietnamese people solve financial difficulties and improve the quality of life. Global Banking & Finance Review spoke with Mr. Basker Rangachari, Chief Marketing Officer at FE Credit to find out more and discuss the future of consumer finance industry in Vietnam.

How Having a Zero Balance Affects Your Credit Score | Maintain a high Credit Score

5 Sept 2019 · 825 views

Technically, credit cards are used to borrow funds. The credit card user/holder uses the card for transactions that require more funds than what he or she currently possesses. These borrowed funds attract a hefty rate of interest if it isn’t paid off within a specific time period, usually thirty days. So, credit card users are typically advised to maintain zero balance, i.e., pay off their debt. While leaving credit cards at zero balance might seem like a good idea, it might actually not be the best one in the long run! In fact, studies have shown that credit cards carrying zero balance could have an impact on one’s credit score. What’s A Credit Score? A credit score is the standard measure of a person’s creditworthiness. It is a number found between the range of 300 to 800 and is used to numerically express one’s credit history. Typically, people with high credit scores are much more attractive to lenders, for these people can be expected to pay off their debts. In contrast, low scores indicate the untrustworthiness of the individual to settle outstanding amounts. Thus, financial institutions generally tend to reject loan applications of individuals with low credit scores. Believe it or not, zero balance credit cards affect score to a certain extent! One would think that paying off the card’s balance, which is equivalent of settling one’s debts, would have a positive impact on one’s credit score. However, this is not always the case. Economic pundits are still divided in their opinions on this matter. While one section maintains that zero balance credit cards positively impacts the credit score, the other section firmly believes in the opposite. However, both sections seem to agree that having an inactive credit card could lead to a negative credit score. For more informative articles, visit https://www.globalbankingandfinance.com/

The Best Retirement Investments | Plan your Retirement in Advance

3 Sept 2019 · 193 views

Retirement for some people means entangled in the constant misery of ageing while others choose to live that moment without slipping out of checks to sign. The difference lies in planning and strategizing through the employment period. Well, it’s just your age which is accelerating but your Job has a deadline too. To switch this line between workforce and sixties of laziness, saving is what should be done carefully. To catch up with the senile expenses here are few ways of saving and making it through retirement. Fixed Deposits With retirement knocking on the door anything claiming fixation suits our timeline. Bank fixed deposits are popular amongst retires for its solidity and reliability. For senior citizens, the interest rate is comparatively higher and it suits their tenure. Unlike several other investing schemes by a government, these fixed deposits do not bound their investors and keep their fund liquid. Real Estate The market has already glorified the beauty of investing in Real- Estate. With guaranteed return and very less chance of facing a loss, the real estate investment can be counted as the most popular form of investment. Owning a property or renting it for extra income either for the residential or commercial purpose have the surety of cash flow. With globalization and migration being more popular than ever Real Estate has turned out to be a more reliable source of income. Real Estate business demands maintenance. It is not a recipe to get rich quickly but it will produce an income consistently for your requirement. It is advisable from the experts that Real Estate should not be anyone’s primary business but a source of passive income. Portfolios Building Portfolios has become a trend these days. And there is no harm in going with this flow. A well-maintained portfolio attracts market towards them. Assets, equities, commodities all are shaded by Portfolios. The investors withhold the choice to create as many portfolios as they desire. This smart income generator can bring back extra money that you have invested initially. Annuities An annuity is something we pay at regular interval. Monthly instalment of any policy, sefl-promised amount to the savings account and insurance all are annuities. It serves the purpose of generating income even though you are not working. By regular deposition on a said interval, this money will come back to you in the form of returns, few at the time of college. The best source of income for who like to spend like any millionaire and still wants to save. Closed-end funds The basic purpose it serves is to produce monthly or quarterly income which can be generated through various sources like dividends; covered calls etc. also through leverage, Close end funds keep on adding money on the securities. It is advisable to hire an investment advisor before dealing with close –end investments. While retirement closes the main door it opens up several tiny windows. After that, it all depends upon the retiree how suffocated he wants to feel. For any skilful person, there are ample opportunities to earn, few even take a step ahead and create one for them. Retirement is the last station but a halt to let you decide which train you are going to take next. For more informative articles, visit https://www.globalbankingandfinance.com/

5 Questions to Answer Before You Buy Your First Investment | Things to Consider before Investing

30 Aug 2019 · 138 views

The process of investing can be a bit overwhelming, especially if you are doing it for the first time in your life. If you are planning to make an investment as a novice, then you should remember these 5 questions to answer before you buy your first investment as they will guide you through the process with much more ease than you can think of. Are You Ready to Take Risks? The first thing about an investment you need to remember is that most of them are not 100 percent safe. So, you should ask yourself whether you are ready to take risks and lose all your hard-earned money in one go (which is always a possibility). If you can’t take the risk, it’s better to invest only small amounts of money and that too in safe options like government bonds. Are You Eager to Learn? One of the 5 questions to answer before you buy your first investment is whether you are eager to learn about the investment options you have chosen or not. You can invest in stock options you prefer to learn about and have an interest in. For instance, if you work in the steel sector, you can learn about the steel industry and invest in stocks of steel industry only. If you have a real interest in learning, your investment decisions would be smarter. Are You Easily Influenced? When investing, you should learn to not being swayed easily by others. If you think that one investment option is good on one day and think that the other is better the other day because someone on the television is saying that then you won’t be able to let your money grow. So, make sure that you are not swayed by others while investing. How Much Can You Afford to Invest? Another crucial one among 5 questions to answer before you buy your first investment is how much you can afford to invest without sacrificing your essential lifestyle choices. Ideally, you should invest some part of your earnings be it 30 percent or 40 percent as an investment. You can use the rest of the earning to live peacefully now. Don’t be too enthusiastic about the future as you may ruin your present being stingy. Also, don’t invest so little that you barely survive during your retirement. Try to maintain a balance between the two. Can You Trust Your Instincts? The last question among the 5 questions to answer before you buy your first investment is whether you can trust your instincts or not. You should always be able to trust your instincts and leave an investment opportunity if your gut says that it’s not right. Instincts and knowledge rarely clash but if they do, you should go with the former. If it doesn’t feel right, you shouldn’t put your money into it. Similarly, if your gut feeling says that an investment is worth it, you should invest in it. It doesn’t matter how small the amount is, what matters is whether you trust your instincts to risk losing your money or not. In most cases, you should. For more informative articles, visit https://www.globalbankingandfinance.com/

How To Start Budgeting | Learn to Handle Money

29 Aug 2019 · 126 views

The most pertinent question for first timers is how to start budgeting and save money. Before we delve into that, let us learn what budgeting means. It is an estimate of the income and the expenditure for a given period. It helps you to set limits on spending so that you know where your hard-earned money is going. It teaches you to spend money responsibly. How to start a budget from scratch: Factor in all your income: The best way to make all the money accountable is to know how much money you make by putting together the income from all sources. It can be from, Monthly Salary, Investments, Business returns, Alimony or child support To create a monthly budget, you should be aware of both the income and the expenditure. It is easy for those who have a fixed income you can add up the paycheck for that month. It can get tricky for those who have an irregular income. The best approach for a person with variable income is to pay yourself a salary. You should base your budget on that salary, and when you get the extra income, you can save it for an emergency. The base should be on the average money you earn, that way you will not overspend. Budgeting tips to track current spending: Knowing what and how much you are spending help in creating a realistic budget as it gives a clear picture of your expenditure. Track using: Spreadsheet or a notebook, Credit card or bank statements, Using an app Use a calendar to capture irregular expenses like vacation, birthdays, taxes, etc. Identify and set financial goals: Setting goals help to accomplish more with the money in hand. They can be long-term goals like Saving for a big purchase like a house, car, etc. Investing for retirement or emergency: Child’s education, Saving for education, Paying off debt Goal setting helps in motivating a person to achieve it. The key is to know how much to save to achieve your goals. One of the shortcuts is to save at least 20% of your income, out of which 15% can go for retirement and the rest for other goals. Input your budget: Various tools can help in creating your budget. Define the categories by being detailed and specific. Some examples are groceries, fuel, entertainment, eating out, utility bills, etc. Set spending limits, track and decide to cut back realistically. Accommodate some money for unexpected expenses. If you are spending more than your income, cut down on the spending. For more informative articles, Visit https://www.globalbankingandfinance.com/

Identity Theft? | what to do first!

27 Aug 2019 · 140 views

Why to freeze your credit Millions of people around the globe are victims of data phishing attempts, identity theft and financial fraud. Therefore, it is important to block the access to your accounts and credit reports. A credit freeze also known as security lock enables the consumer to lock the access to his credit report or data to other companies and lenders. This can be used to prevent fraudsters from opening accounts and borrowing loans in the name of the consumer. If the consumer requires new credit cards or mortgages, then temporary lifting of credit freeze is allowed for a price. Hence, credit freeze is considered as an important tool to ward off security breaches like identity theft. This tool is significantly important for elderly people,for people who leave the country for a lengthy phase of time and kids account as there will not be frequent transactions and credit statements to check the breach.In addition, it is necessary to freeze your credit with all the important credit-reportingagencies. An alien company or individual cannot have access to your credit scores but the consumer can view his own report or scores through Annual creditcardreport.com. More number of people is fascinated to open bank accounts and need for online transactions arise with the technological developments and globalization of economy. At the same time evolution of technology has lead hackers to expose, the data of millions of individuals like the one happened with Equifax credit bureau, a year ago. As per the consumer protection act and advice from the regulatory boards, the credit bureaus should provide free credit freeze for all the consumers, but it is now catered at a price.In US, changes made to the Dodd-Frank law has enabled credit freeze and lifting the credit freeze free to all its citizens. How to freeze your credit When a consumer decides to seal his credit report, he has to sign up for each of the credit bureaus separately. Consumer is bestowed with a private number Personal Identification Number (PIN), by means the client will lift the freeze quickly, buy new credit cards or provide access to a replacement company to look at his credit report for a new mortgage. The three important steps to freeze credit report online: Step 1: Go to the website of the credit bureau and find the security freeze link some of the major credit bureaus are TransUnion, Equifax and Experian. The details requested like social security number, name, date of birth and the consumer should provide address. Previous address of the consumer may be requested, if he lives in the current residing place for less than 2 years. To confirm identity, background details and questions about outstanding loans has to be answered. Step 2: Click the security freeze option. (This option can also be used to unlock the freeze temporarily or permanently, when a credit freeze already exists). Step 3: The consumer will be offered a Personal Identification Number, which will be different for various agencies. This number can be used to unlock your credit freeze. The consumer might be asked to submit copies of utility bills or driving license or other documents to authenticate his identity. There might be an additional security layer with the personal information provided to ensure the security of the data. The Credit freeze can also be done through phone or mailing to the address of the respective agency. In most of the places, the credit freeze remains permanently, whereas in some situations, the freeze will be lifted automatically after a certain period. Hence, it is necessary to check the time frame for the credit freeze and update it accordingly to ensure protection against data theft. For more informative articles, Visit https://www.globalbankingandfinance.com/

How to cash out bitcoin? | Is Bitcoin similar to Regular Currency?

26 Aug 2019 · 16k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Bitcoin is a digital currency, known as cryptocurrency that is virtual in nature and is transacted online. You can buy bitcoins and use them to buy what you want just like regular currency. If you want to convert your bitcoin into hard cash, what is it that you need to do? We discuss the answer to this question in this article. Why change from virtual to real? Now that you have bitcoins, you can use it as a virtual currency, so why would you want to convert it to cash? The answer to this question lies in the fact that bitcoin is not accepted everywhere. Further, many countries do not recognize bitcoin and some even consider it illegal. So, if you have a stash of bitcoin in your online wallet, you may find it worthwhile to convert it to cash and deposit it in your bank account. Let us look at some options for doing this conversion from virtual to real. Broker exchange A broker is an intermediary, a third party who converts your bitcoin into cash[i]. There are various brokers or exchanges like BitStamp, Coinbase, or Kraken. You need to deposit your bitcoins into their online exchange and they would transfer the money to your bank account. You may have to wait for 3-5 days to get your money in your account. You must note that you must first open an account with the broker, link it with your bank account and then make a deposit. Yes, you must make a deposit first before you initiate the transaction. The broker would, of course, charge a fee for the bank transfer. The amount would depend on the exchange, the bank and the currency used. Peer-to-peer transfer Peer-to-peer platforms are available, like Bisq or LocalBitcoins. These exchanges help you to sell your bitcoins to buyers online. You can get the cash deposited in your account or complete the transaction through a bank transfer. In some cases, you can even meet the buyer in person and collect cash. To sell using this platform, you can post an ad. The platform would charge a fee, which is usually 1% of the total transaction value. Some platforms even allow you to trade anonymously, without sharing your personal details. Bitcoin ATM A bitcoin ATM is just like the regular ATM which gives you cash on credit or from your bank account.[ii] The number of bitcoin ATMs though are not many, so you first need to search if you can find an ATM near you.[iii] You can use the withdraw cash option in the ATM, wherein you use a QR code to transfer bitcoins from your online wallet to the ATM. The ATM then deducts charges and dispenses cash. Bitcoin card There are websites like BitPay[iv], and Monaco which allow you to convert your bitcoins into cash online, which is then loaded onto a debit card. You can use this debit card just like a card that your bank has issued. You can carry out any transaction you want with it. You must keep in mind that no one converts your bitcoins to cash for free. They would charge a fee for it[v]. Also, taxes would be applicable as per the laws of your country. So, keep this in mind before you go ahead and cash out your bitcoins. For more informative articles, Visit https://www.globalbankingandfinance.com/

What Should you Read Next? | How to choose the right Book

22 Aug 2019 · 102 views

That is a common question for most people who have just finished reading a book. Though it is frustrating to choose the book that you should read next, it is also great fun to browse through the books on your reading list to find the one you want to read. Since it is difficult to read all the books even if you are a fast reader, it is essential that you choose the right books and not end up wasting time on books that are not interesting or not worth spending time reading. Listed below are a few methods that can help you select the next book to read. Jar method: If you are an avid reader, you will have a list of books that you want to read. If you have one then write down their names on chits of paper and put them in a jar. Mix them and choose one chit from the jar. That will become the book that you are going to read next. People even use different colored chits for must-reads, want-to reads, different authors, etc. but all that is left to your imagination. If you don’t have a list you can make one which interests you or simply go by recommendations of other readers. Based on hobbies: People often read books based on their choice of genres. You may have boxed yourself into romance, thriller, etc. But there are other books that can interest you, it can be based on your interests and passion too. Taster method: Read a page or two of each of the books in your list of to be read. There will definitely be one that draws you to read more and that will become your next read. For all you know you would have read more than a chapter of that book standing in front of the book rack. Check out the internet: You can take the help of internet to look for your next read, there are many websites that can list books similar to the one you liked. Or you can also search for the All-time top 100 books list voted by readers all over the world. Reading through those books will keep you busy for quite a long time. The book with a cool cover: Pretty cover does not mean the book will not be good. If you find a book with a catchy cover go for it, give it a read and see how it is. It may be worth your time. Ask for recommendations: There are many writers who are good at their work and may not be writing in the same language as your’s or live in the same country but their writing may appeal to you. Asking for a recommendation from a well-read person will help you find authors and books that you have never heard before but are good reads. Choosing a book to read is more about intuition, knowing the basic plot of the book and the one that appeals to you the most is the book to read next. For more informative articles, Visit https://www.globalbankingandfinance.com/

What should you major in? | How to choose the right Major?

21 Aug 2019 · 84 views

Selecting a major is surely not an easy task. With the varied interests you have and in the presence of umpteenth number of options, you may feel confused. Adding up to your confusion more, there are so many colleges and universities which are offering various programs. This is the time when you should make the right choice and choose the right option, so that you can thank yourself in future and not curse. Let’s get started with helping you out in making the correct choice. First of all, instead of asking yourself, what should I major in? Ask the question correctly, which major is going to be the correct for you? Carefully decide and finalise the study area which you feel is important to you and you feel interested in. Analyse your Abilities Reason behind bringing in abilities for choosing a major is important because, abilities speaks about your capabilities. Having clarity on what skills you have and in which areas you can excel, can resolve your issues up to maximum extent. Selecting the Major by keeping Values in mind If you select a major keeping your values in mind and by focusing on your beliefs, then surely it is going to be encouraging as well as rewarding for you. Don’t go too harsh on the values either, while opting for a major. This is the time when you will join a university, a place where you will surely learn some new values and solidify some. Be clear about your Interests Interests are the best way to determine in which direction you wanted to go. If there is something that you are keen for, then getting paid for it is not a bad idea at all. Explore your Passions Now, you might be thinking that how come passion and interests are two different things. Let me clarify this point, passion is something which is stronger than interest and lies deep inside you. Passion is something that incorporate the abilities and values in you which going forward becomes the lifelong burning desire of yours. By following your passion, you will be able to choose the right major for you. Having a discussion with Close Friend Sometimes having an open discussion with a close friend can provide you a better insight of what you want from life and yourself. Same goes in the case of choosing a major, discuss with your close friend and let him come up with some good suggestions. Later on, you can think on whether to accept that or not, but surely it can help you to have better clarity. How employable your choice of Major is going to be? While choosing a major, you shouldn’t forget that how it is going to help you get an employment. Choose a major that can help you to earn good and you do not feel discouraged in future. Other important aspects Choose a major that is not going to fade away and will be able to survive the cyclones that keeps coming in technology, time-to-time. The time we are living is highly progressive, innovation and technological progress is unrelenting and unstoppable. Industry 4.0 has paved the way for automation and artificial intelligence, which is surely a game changer, and is going to stay long in future. So, while choosing a major be careful about its success possibilities in future. For more informative articles, Visit https://www.globalbankingandfinance.com/

What Is A Studio Apartment | Benefits of Living in a Studio Apartment

20 Aug 2019 · 4.6k views

A studio apartment is also referred to as an efficiency apartment, studio flats, or bachelor apartments. A studio is a self-contained living space where the bedroom, living room and the kitchen are all in an open single space. That essentially means you sleep, eat and live in one room with no walls for bifurcating spaces. The only closed and separate room is the bathroom. It is ideal for people who are looking to save money and are on a tight budget. The Decor Of A Studio Apartment: These apartments are compact and efficient furnishing is necessary to fit in all your furniture. The pieces of furniture that can go into a studio is a coffee table, a queen-size bed, a dining table, bookshelf and a chest of drawers. In some places, you may not be able to fit in the bed, instead of it, you can invest in a futon which can act as a bed in the night and sofa in the morning. You can use the dining table as your work desk to keep your laptop. If you have a larger apartment of more than 500 sqft, you can invest in dividers to segregate areas. Difference Between A Micro Apartment And A Studio A typical studio apartment is of the size of 500 to 600 sqft whereas a micro-apartment is of 100 to 400 square feet. A micro-apartment of 300 square feet will have approximately, about a 60 sqft kitchen, 30 sqft bathroom and the rest is the living space. You should buy furniture creatively, use the futon as a multipurpose bed and sofa, ottoman for storage and workstation and shelves for storing other stuff. Benefits Of Living In A Studio Apartment Need fewer furniture: If you have a smaller apartment there is no need to fill it with furniture. If the house is big, the furniture you need will also be big. Easy to clean: Cleaning is easier in a small apartment and it is also quick to clean every day to keep the place fresh. Also, you will need minimal cleaning stuff as there is less space to clean. Eco-friendly: A small place means fewer materials are used to building it. Moreover, it consumes less energy and saves water. All this leads to a lesser impact on the environment. Save money: You are not only spending less on renting a studio, but you also pay less for maintenance, utility, and cleaning. That means that you save more money and time. Living in a studio can be great as it is less expensive, easy to keep it clean and don’t have to spend money furnishing it. But there are a few disadvantages especially if you are moving from a bigger house, you will have to get rid of your possessions and not think of purchasing any further which can be a great constraint. Also, there is a lack of storage space and you may have to spend extra money on renting a storage unit which will offset the benefit of taking a studio. A studio is essentially for those who want to cut down costs and don’t mind streamlining their lifestyle. so would you prefer living in a studio apartment? let us know in the comment section below. For more informative articles, Visit https://www.globalbankingandfinance.com/

Tips for a Budget-Friendly Holiday | How to plan a Holiday

19 Aug 2019 · 170 views

Enjoying a budget-friendly holiday is more than just taking advantage of cheap travel, as it involves getting good accommodation and food at affordable prices in the area that you are visiting. With several international locations being labeled as budget-friendly, we look at how you can travel to these areas, and do so without having to break the bank. Make a Budget for Your Holiday Travelling on a budget starts with deciding how much you can spend on a holiday. For most budget holiday planners this can range be anywhere from $500 to $700 but even this amount can be used to plan a trip to an international location. Pick a Destination Most travelers have several locations they want to visit, but often their budget just does not allow them to go to places like France where cities like Paris are notoriously expensive. However, scheduling a trip to Paris during the off-season will allow you to take advantage of cheaper air fares and hotel accommodation. If you do have a very limited budget and can’t afford a trip to France during the off-season then consider locations such as Thailand, SriLanka or Goa in India. If places in Europe interest you,budget friendly places include Prague in the Czech Republic, Athens in Greece or Porto in Portugal. Use a Website to Plan your trip With websites like Wander you can plan a holiday based on your budget. The website allows for people to put in their budget the number of travelers and the duration. Based on information gleaned from major travel websites, it then calculates and displays the countries and cities within the budget and the amount travelers will have to spend. Do Not Opt For Tours Searching for cheap flights and accommodation is essential if you have a limited budget. Avoid pre-packaged tours because while they are labeled as cheap on paper or on websites, in reality they are created to provide a handsome profit to operators who manage them. With operators getting a cut of the profits, you have to shell out more for airfare, accommodation and food when you opt for an all inclusive tour. Look For Cheap Airfare Getting cheap plane tickets to Thailand or France is often the easiest part of planning a budget holiday, as there are several websites which collect information about the prices for flights. So start checking for cheap plane tickets and book well in advance. Booking tickets months in advance and doing so on a budget airline will allow you to stretch your budget to the maximum and save a lot on travel. Look into Home Exchanges or Home Stays Exchanging your home with another person living in France can be one way to visit the country on a budget. Generally this exchange can be arranged on various websites and are safe options as people ensure they take good care of houses they staying in. Some home owners also rent out a spare room for people on short holidays for up to a month as part of a “home stay” and this is also a good alternative. Whether you are planning to go to Europe or Asia, there is always a cheaper alternative to a pre-packaged tour. Sitting in the comfort of your home you can pick and choose airfares, book accommodation and find information to create a perfect holiday and keep within your budget. For more informative articles, visit https://www.globalbankingandfinance.com/

how to Create an Effective Email Marketing Campaign | Tips for an effective Email marketing campaign

16 Aug 2019 · 161 views

Email is used mainly for business these days with other social conversations moving to Facebook and other platforms. That makes email marketing a critical part of any digital marketing campaign. The primary purpose of an email marketing campaign is to engage the customers in your business, make the email recipients take appropriate action and eventually get more leads. It is thus essential that the emails that are sent stand out to grab the reader’s attention. Here are a few tips for an effective email marketing campaign: Creating a Vast Database of Subscribers: You should not stop adding more subscribers despite having a huge list already. Creating a huge list of prospects and subscribers is not too difficult. A signup feature on the business website is all that is needed to grow that database passively. Other ways are through subscription on blogs, home page, newsletters and wherever you can fit it in without making it annoying to the reader. An Alluring Subject Line: The foremost thing in email marketing is to convince the reader to open the email, and the subject line plays a crucial role in it. It works better if the subject is straightforward and intriguing: a subject line can be facts or stats from the article, adding emojis in it if the content is not a serious one or enticing the reader by being creative. Provide Value to your Subscribers: An email that you send in your marketing campaign to the customer should ensure that it sticks. It should be such that the customers keep your business in mind when they are on the lookout for a service or products. Real value for a subscriber can be in many ways like a discount, an interesting article, an informative video or any valuable information that they can share with friends. Keep your Emails to the Point: The emails should be short and to the point. Don’t give away all the details, just the juicy bits which will make the subscriber click through. Use small paras with relevant keywords that stick out. Use bullets points to show the key content Do not replace content with images as it can be considered as spam. Mix the type of emails you send so that the subscribers get to see something new each time. Make it more engaging, do not include a lot of text. Emails should be Readable on Mobiles: Most people use their smartphones to check emails, so the emails that you send to subscribers should be optimized for mobiles. By making it mobile-friendly, you can hope to get more clicks than otherwise. Email marketing like other marketing techniques is about planning and checking the metrics to make the necessary improvements. It is a continuous process and ensures that the campaign does not become stagnant. Change gears and make adjustments if the click-through rates are not as before. Get creative, change the number of times you send emails in a week, add different content and subject line and see how subscribers like your campaign. Improvise through the learnings you get out of the email campaign metrics. For more informative articles, Visit https://www.globalbankingandfinance.com/

How to become a real estate investor? | Making profits by investing in real estate

13 Aug 2019 · 80 views

Real estate is land and property. You can invest in real estate and make money. The value of land generally appreciates, especially in urban areas. As the population grows, there is a demand for homes, shops, malls, parks, and other commercial ventures. All of this needs land. As the demand for land grows, so does its value. Investing in real estate is a great way to make money. You can earn rent from the land and buildings you own and when its value increases, you can sell it to make a lot of money. Learn first The most important thing in the real estate business is to learn about the market. If you want to become a real estate investor, you need to know everything about the market. You need to know the land value. You need to understand market trends and also related factors like the spending habits of consumers, unemployment rate, rates of mortgage. All these would have an impact on land value. Plan your investment Decide your budget and then plan how you would invest. Do you want to buy land? Or would you prefer to invest in a real estate company? If you have less money, then buying land may be a difficult proposition. In such cases, you can buy shares in a real estate trust or company and earn dividends from it. A Real Estate Investment Trust or REIT is like a mutual fund for land. If you do not have the funds to buy land, you can invest some money in a REIT. Since real estate usually gives good returns, you can expect good returns on your investment. You must,of course, do research before you invest. You need to understand the real estate market and find out where the REIT is planning to buy land. Some homework will help you to be a better investor. Rent out properties If you have money, you can buy properties – houses or commercial properties and then rent them out. The monthly rent you earn is a steady income. Here again, research is important, you need to buy properties having a good value. Only such properties will be able to help you get consistent good rent. Become an agent If you are seriously looking at a career in real estate, you can get a license and become a real estate agent. This is a good way to earn money by helping buyers and sellers get together. When you work as an agent, you get to learn everything about the market. That helps you decide where to invest your money to get the best returns. Fixer-upper strategy This is where you buy a property that is in a poor condition. You can buy it at a lowprice and then fix it up or refurbish and then sell it for a high price to make a profit. This is the best short-term strategy to make money. But you need to have money to refurbish the property and must have a thorough knowledge of the market. You can, of course, be a value investor, where you buy a property and hold it for a long-term till its value increases. This is a long-term strategy and generally pays off, if you can be patient. Real estate is land and property. If you have money, you can invest in real estate and get lucrative returns. For this to happen, you need to first understand the market and identify the right places to invest your money. For more informative articles, Visit https://www.globalbankingandfinance.com/

8 Down-to-Earth Rules to Increase-your-Profits | Do this to increase your profits in Business

12 Aug 2019 · 117 views

For a business owner, sales along with profit is the true indicator of success. Though increasing sales is essential to earning a profit, if not done properly and carefully, it can reduce profit margin resulting in a loss. A profit margin not only tells you whether you are making money but also indicates if your products are priced properly. Also, profit is a measure that should improve continuously, here are some of the ways to increase profits in your business. Better Inventory Management: Efficient inventory management by knowing what is available through product information, what is fast selling and what is slow will enable in better decision making around sales, purchase, and marketing. It also effectively reduces the need for markdown prices as it can substantially affect the profits in a business. Reduce Operating Costs: Wasteful expenditure should be reduced which lowers the overhead costs. You can use cost-effective supplies which are of good quality to cut costs. Automating tasks reduces the time, manpower and also cost. Streamline all the operations, remove excess staff and spend more energy on the customer needs. Increase Brand Value: That can be done by creating an emotional connection with your customers. Focus on the value the product offers to the customer’s lifestyle and emotional values. Communicate how the product can elevate the lifestyle of a customer or show how people feel great after using your merchandise. Getting first hand feedback is the best advertisement that you can get for your brand. Increase the Size of the Order/ Frequency: To increase the size of the order, it is essential to cross-sell and upsell. Look for ways to increase the purchase frequency and that will improve the sales and also the profits. Raise the Prices: Increase the price of the product will ensure you earn more money from each sale and also increase the profit margin. But that can be done only after researching the price offered by competitors, the psychology of the customer and the economy, else there is a high probability of losing customers. It is recommended that the price hike should start from the best sellers. Offer Smart Discounts: Offering discounts have an impact on your profits but you if you must do it, you have to smartly implement it. You can consider giving personalized offers that are also customized. Figure out what it is the best discount to offer to acquire customers instead of giving a giant discount and take a hit on profits. Use customer purchase history to provide personalized offers thereby increasing your profit margin. Improve Relationships with the Vendor: Working in collaboration with vendors and engaging in business planning jointly is a good way to improve profits. Look for ways to reduce inefficiencies in your supply-chain. Change your Purchasing Practice: Look for ways to cuts costs with suppliers by asking for discounts or offers from vendors especially when you are providing bulk orders. Find out the actual final cost after including all the fee and figure out the need for this spending. Another way to ask for more discounts is to buy along with other store owners so that you get more bargaining power. Use these easy ways to increase the profits of your business and make a difference to the society! For more informative articles, Visit https://www.globalbankingandfinance.com/

Ways to Profit from Your Passion - Effective ideas to make profits from your passion

6 Aug 2019 · 111 views

There are millions of things in this world that an individual can choose to do. And more often than not one or two of those things turn out to be our true passion or something that we are really good at. You can make a profit from passions using these helpful tips and these tips consists of the best and the most effective ideas that can help you in making some kind of profit from your passion. Put It All in a Book If you know what your passion is then chances are that you would also be aware of the fact that acquiring that skill or being good at that task was not a one day job. It must have taken a lot of effort from your side to be truly good at what you might love to do. And after putting all that hard work into learning that skill chances are that you might also be aware of all the little tips and tricks or the route that one can follow to be good at that particular task or skill too. So, one of the best ways through which you can profit off that knowledge is by putting all of that in a book. This will also help you in aspiring others to work hard at acquiring that skill too. Teach It These days’ people are not just limiting themselves to a few basic skills and their everyday lives but instead, individuals are now more than eager to learn new skills that can help them grow and develop in an overall manner. And if you possess such a skill that other individuals might want to learn then you can also make a profit of your passion or that skill by teaching it to others. Also, through this method, you won’t just make some profit of off your passion but you would also be practicing your acquired skill on a routine basis. This will help you grow too and become more efficient in that skill. Sell It We all live in a digital world and now have a wide range of opportunities that are currently available to us. And you can also take advantage of those opportunities by selling the skill that you have acquired. One way through which you can do that is by being a freelancer and selling the skill that you have acquired. This is especially a good idea if you have some other things that are going on in your life as it will give you an option of working whenever you might please to. Share the Knowledge Another way through which you can make some kind of a profit of off your passion is by sharing all the knowledge that you might have accumulated about that particular skill. A few ways through which you can do that is by conducting seminars, writing it all in a blog, making a YouTube channel about it and many other ways. These are some of the ways through which you can some profit from your passion. However, you should always try to be more creative and choose a path that works out for you in the best way possible. Passions are hard to acquire but once you do find your passion then it is quite obvious that you might also want to make some money off of that passion. And there are a few ways or methods through which you can make some profit off of your passion. And some of those ways include sharing that knowledge on some kind of a social media platform, being a freelancer, teaching that skill, or writing a book about it. It is also important for you to remember that you should be as creative as possible while finding a way through which you can make money off of your passion. For more informative articles, Visit https://www.globalbankingandfinance.com/

Global Banking & Finance Award Winner – AYA Myanmar Insurance (AMI)

5 Aug 2019 · 1.2k views

Exclusive interview with Mr. Myo Min Thu, Managing Director AYA Myanmar Insurance (AMI)

How To Change Your Name | Change your name easily

1 Aug 2019 · 223 views

There are various reasons people want to go for a legal name change. It can be due to a marriage, divorce, to have a new identity or simply because you dislike your name. Though it seems like a challenging task with a lot of legal hassles, you can get it done with some easy paperwork. Listed below are a few things you should know before you change your name. Name change due to marriage: If you want to change your name after marriage, it can be done easily in the courthouse where you get your marriage certificate. Usually, the clerk will ask if you want the name to be changed and hand over an application if you decide to. If you already have a marriage certificate and you want to change your name now, you should follow the general method of the name change. After receiving the marriage certificate, you should now apply for a new SSN card. An application form has to be filled and submitted with the necessary documents like birth certificate, marriage certificate, and photo ID proof. Post submission, you will get a new SSN card with the changed name. Once you have received your new SSN card, submit for a name change to DMV, bank accounts, Credit cards, insurance, etc. Name change due to other reasons: A court petition has to be filed if you are changing your name for anything other than marriage or divorce. It is an easy process, where you will have to submit your proof of residence, SSN card, birth certificate, photo id, and your driver’s license. A petition has to be submitted to the court clerk in your locality mentioning the current name and the name you propose to change it to. You may also need to sign a statement that you have no warrants in front of a notary along with a witness. A hearing will be scheduled where the judge will question the reason behind name change after which you will receive a certified order copy with your new name. Mention name change in a newspaper: Usually you will have to put up an advertisement in a newspaper stating that you have changed your name. This process has to be done before you get a court certified copy to announce the intention of the name change. It is to ensure that there is no objection from creditors or other parties on your change in name. Ensure that you check the requirements with the court clerk on the details as some states need it to be posted in specific newspapers. It is not cheap: A name change does not come cheap, it can set you back by a few hundred dollars. Apart from filing a petition in the court, there are additional fees to be paid for a notary, and you will also need to pay for the paper advertisement as well. Additionally, you will need present certified copies of your petition to be submitted to many organisations and not to mention the time spent on doing the paperwork. For more informative articles, visit https://www.globalbankingandfinance.com/

How to get your book published | Methods to Publish your own Book

31 Jul 2019 · 38 views

At the back of our mind, all of us have this thought that getting your own book published is not everyone’s cup of tea and is a challenging task. This is obviously true, but not impossible. But the outcome of the entire process depends on the kind of choices you make. Let’s get you acquainted to the general process of the journey. The traditional method of publishing is still the primary process of publishing books. But before getting into the process, you need to finish your manuscript and determine your work’s genre or category. The next step is finding a literary agent, whose primary job is to sell your manuscript to a publisher. With their inside contacts with specific editors and knowledge on what editors or publishers would most likely buy. The guidance of these experts in the publishing industry can make your task simpler. Moreover, the biggest publishers don’t take work seriously unless it comes via an agent. Thus it’s kind of necessary to find yourself the right agent, but don’t go for agents who charge fees. It takes a lot to get your work selected by a reputed publisher. Your manuscript needs to be excellent and meet the traditional standards of the industry. Formulate an outstanding pitch to make the publisher understand the value of your work and be prepared to give up a lot of power and control. You have to undergo rounds of editing and changing in the final format, cover, title, design, price, and almost everything about the book will get decided by the publisher. If you couldn’t bag a big publisher, don’t worry. There are many mid-size publishing houses, small and university presses and regional presses to help you publish your book. But to market your book to an exceptional level, you might have to work hard in this case. You have to attract customers and promote yourself. Another great alternative is digital-only publishers. You can upload your work in Amazon and StoryMirror, at almost no cost, which will take only a few minutes. But here again, you have to market your own work and you cannot expect to make money or get book reviews in the first go. On top of that, you might have to invest a bit to publicise your work. Lastly, there are few crowd-funding sites, which you can use to publish your work. You just need to select the crowd-funder and follow their submissions process. There are several independent publishers as well, but you need to beware of getting scammed. You might end up wasting a lot of money without getting any proper result. To understand more about book publishing, to be up-to-date and to build a network with agents and editors, you can start attending writing conferences as well. For more informative articles, visit https://www.globalbankingandfinance.com/

How to finance a motorcycle | Buy your Dream Bike

30 Jul 2019 · 485 views

You probably have had a dream motorcycle that you always wanted to buy. If you have now decided to go for it, then the big question that arises is how you would arrange the money for it. If you have cash on hand, then no problem; but in case you have don’t have sufficient cash, you may have to look at options to finance your purchase. Let’s take a look at how you could arrange finance for your motorcycle. Get in touch with the manufacturer or dealer Sometimes, the manufacturer would offer finance options for you to buy their bike. Generally, they provide financing options, only for those with a very good credit rating. So, make sure you have a good credit score. Contact the manufacturer or the dealer and find out if such a scheme exists. Usually financing offered directly by the manufacturer will have a lesser rate of interest. In case there is no scheme from the manufacturer, the dealer would definitely offer financing. The dealer usually would have tie-up with lenders who will offer you a loan for your motorcycle. But the interest rate at which the dealer offers financing would be slightly higher. So make sure you scout for the best deal before you sign up. Dealer financing may envisage hypothecation of the vehicle. So if you don’t pay your monthly instalments, the lender can seize your vehicle. Remember that the vehicle will be yours only after you pay the final monthly payment. Bank loan Banks offer vehicle loans to help you buy the motorcycle of your choice. You can get the loan very easily. If you approach the bank directly instead of going through a dealer, you may get a better deal. Also, if you have an account with the bank and are a long-standing customer, you can always expect a lower interest rate. Private financiers A number of private lenders are available in the market who would be willing to give you unsecured loans. But the downside is the interest rate would be very high, probably the highest. In case you don’t have a good credit score, private financiers would be a good option, else the higher monthly payments you have to make is a major disadvantage of going with private lenders. Personal Contract Purchase (PCP) Under PCP, you would need to pay an initial deposit (between 10-20% of the bike value). The advantage of this scheme is the monthly payments are lower. However, at the end of the contract period (usually three years), you have to pay a lumpsum amount. Once you pay the lumpsum, the bike is yours. However, you have an option of not paying the lumpsum and returning the bike back. This is possible because you are getting into a contract to use the bike. If you buy a bike with a high resale value, then you can get very low monthly payments. This is definitely an attractive finance option, if you are ready to live with the fact that the bike won’t be yours till the end of the contract period. There are a number of financing options if you want to buy a new motorcycle. Compare the interest rates and check the fine print before you make a decision. For more informative articles, visit https://www.globalbankingandfinance.com/

10 Life changing books that can shape your thinking - Must read!

29 Jul 2019 · 96 views

Reading is a powerful way to shape your thinking as it can provide you with new perspectives on life. did you know that Reading can stimulate the production of endorphin hormones that can increase happiness in your life? while some books are merely for entertainment, some others can awaken your emotions and some other books can directly speak to your soul that can create a positive makeover in your life. Here are 10 such books that can shape your thinking: The Power of Now ‘The Power of Now’ is a guide to spiritual enlightenment written by Eckhart Tolle. It is all about problems that already happened in your life or something to happen in the future. So, forget about the problems and focus on the present life. It helps to lead a more peaceful and happy life. The Kite Runner ‘The Kite Runner’ is a popular novel written by Khaled Hosseini. It depicts a heartbreaking story of true friendship between the sons of a Kabul merchant and his servant. ‘The Kite Runner’ gives a real picture of what should be a family, love and friendship. The Miracle Morning ‘The Miracle Morning’ is a book written by Hal Elrod after recovering from a serious car accident that made his brain permanently damaged. The book mainly illustrates the six steps that you want to do in the morning to control our habits. The Alchemist ‘The Alchemist’ is one of the international best selling books in the world written by Paulo Coelho. The author tells the importance of having a dream and follows it to become successful in your life. It depicts the story of an Andalusian shepherd boy who is in search of a treasure. Anna Karenina ‘Anna Karenina’ is a popular work by Leo Tolstoy. Through this book, he tried to express his own views and perceptions. It depicts the disastrous love between Anna and Count Vronsky. He also charts the lives of people from the Russian society in the late 19th century. Tuesdays With Morrie The work of Mitch Albom, ‘Tuesdays With Morrie’, gives us refreshing ideas to begin a new life. it charts the real story of an old man Morrie Schwartz, Mitch’s professor at Brandeis Univerity. ‘Tuesdays With Morrie’ gives advice from his experiences to live a better life. Rich Dad Poor Dad Rich Dad Poor Dad by Robert Kiyosaki provides unique and personal economic perspectives. According to him, an asset is something that can generate cash flow. The book is about the story of two fathers: poor dad (his real father) and rich dad (his friend’s father). Awaken The Giant Within As an inspirational book written by Anthony Robbins, an American author, and entrepreneur, ‘Awaken The Giant Within’ helps us to transform your perspectives and take your lives to another level. He also tells about the power you have to control your thoughts, feelings, and actions. The Art of Happiness ‘The Art of Happiness’ is a book written by the Dalai Lama, the spiritual leader of Tibet and a Nobel Prize Winner. Through this book, he tried to tell about the purpose of your lives, the happiness and the three main facets of life to become successful: clarity, focus and vision. ‘The Art of Happiness’ gives you the message that the happiness truly means the self-reflection. A Brief History of Time ‘A Brief History of Time’ is one of the classic works of Stephen Hawking. Through this book, he tried to take the readers into the depths of the universe. The book also explores some questions related to the beginning and boundaries of the universe. For more informative articles, visit https://www.globalbankingandfinance.com/

How to Make Money with Pictures? | Sell your photographs and make Money

26 Jul 2019 · 2.2k views

Though we are all aware of the fact that there are scores of companies that buy stock imagery, things are changing as many companies are paying people for images they click with your cameras, smartphones or tablets. If you want to earn a few bucks quickly and you are wondering how to make money with pictures, then you need to scroll down and know about the top websites that are worth checking out. EyeEm This app helps android users and Apple users to make money with pictures as it is available for iOS and Android. The best thing about this website is its variety of photo enhancing filters. The pictures are sold in partnership with Getty Images. Foap You can earn 5 bucks easily when you sell photos via this website. The approval process depends largely on your ratings as a member. Each time you upload a new photo, you will need to rate images with other members. This ensures that every member has a rating. The more positive ratings you have, the higher would be your chances of approval. Alamy Most people have heard of Alamy as reputed newspapers, publishing houses and magazines buy images from this platform. It has an app called Stockimo that allows you to make money with pictures by letting you upload pictures clicked via a mobile device. This website is meant for class photographers as you can get up to 500 dollars for a picture. The average sale price is about 90 dollars and a photographer gets flat 20 percent fee for any photo that’s sold. You are also free to sold the photos repeatedly if you are willing to go through the approval process again and again. Twenty20 This website pays you 20 percent of each picture that earns money. The price of each picture is decided by the company, and the charges are usually based on the size of the photo. The minimum price claimed by the website is 10 dollars. ScoopShot This website mainly caters to websites that are looking for photos of a specific nature. If you seriously want to work hard to sell your photos, then this assignment-based website is perfect for you. When a request comes, you submit photos to fulfill the request, and the person/company that raised the request chooses the photos he or she likes. This app is available for Android and iOS. Clashot If you want to make money with pictures and don’t want to go through a lot of legal red tape then you should try the mobile app known as Clashot. It allows you to upload any picture you want. The ones that get approved are put up for sales. The ones that don’t get approval still get visibility online. Fotolia This app is a bit complicated as the photos you upload here get ranked, and there are some exclusivity deals as well. The payment system is quite generous as you get to earn anywhere from 20 percent to up to 60 percent for the photos that were uploaded by you and sold. Now that you know about the websites/apps that help you make money with photos, you should learn to target specific niches that are underrepresented in order to ensure that your pictures sell quickly. For more informative articles, Visit https://www.globalbankingandfinance.com/

How do the markets work | Various Factors that affect pricing of the product

25 Jul 2019 · 44 views

You visit the market when you want a product and you know it is available in the market. A manufacturer makes a product available in the market when he/she knows you want a product. Isn’t it? This is a cyclic process, overall. The supply of a product completely depends on the demand for the same. This is how the markets work – via demand and supply chain. It is the demand for a particular product in the market that influences the supply of the same. If the supply is enough but demand is less, the stocks are unnecessarily wasted. On the other hand, if the supply is less but the demand is high, customers lose faith in the brand. As a result, manufacturers or producers lose their loyal customers. There are many factors that affect the demand as well as the supply of a product in the market, which has been discussed below: Factors Affecting Demand If you really want to understand how the markets work perfectly, it is important to know the determinants that will influence the demand for products and services in the markets. Some of them include: Price of the product – The price of a product is an important factor. If the price of a product increases, the demand decreases while the fall in prices leads to increase in the demand. Price of the substitute – The price of an alternative product is also an important factor. For example, if toothpaste X is priced higher than toothpaste Y, it is likely for customers to choose the latter, thereby leading to the fall in the demand for X. Income – The affordability of the goods available in the market determines is a product will sell more. If the market is located in an area where the income status of residents is average, very expensive products won’t sell. Tastes and preferences – While talking about how the markets work well, the most important factor is the preference of customers. Hence doing a proper market research before opening a store or mall becomes important. If your product is not liked, the demand will fall automatically. Factors Affecting Supply The supply of a product is very important when you know customers are interested in buying it. Like demand, however, the supply of a product is also affected by several factors. Some of them include: Price – While demand is inversely proportional to the price of the product, the supply of it is directly proportional to the price. This means the higher price will mean more supply. As the prices rise and the customers are addicted to your products, they will surely buy them irrespective of the price rise. Cost of production – The cost of a product, if high, will lead to the decrease in supply and vice-versa. This is because if the cost of production increases, the price of the product will become more than the market price, resulting in no buying. Hence, supply gets reduced. Technology – The use of technology will mean more production, thereby enhancing the supply of items. Transport Cost – Better transportation of products to markets will mean improved and increased supply of products. Once the demand and supply chain gets balanced, the market works robustly. Hence, now when you know how the market works, make sure you take care of the demand and the supply balance, thereby keeping in mind all the factors influencing the chain. For more informative articles visit https://www.globalbankingandfinance.com/

Global Banking & Finance Award Winner – EMAAR

24 Jul 2019 · 442 views

Exclusive interview with Danish Samad, Group Treasurer & Director of Investments EMAAR

How to Set-up a Home Office | Work from Home

24 Jul 2019 · 389 views

Working from home has a lot of perks. It offers a great work-life balance, eliminates the need to travel, saving time and money, flexibility to set up your schedule and much more. One aspect of working from home that can be an upside as well as a downside is setting up a home office. A home office has become a necessary space that promotes efficiency and is no longer just a space in the corner of your room. An average home office will have a computer, a desk, and a chair, a copier with a fast and reliable internet connection. Consider these tips to have a professional working space even when working from home. List Your Needs: The foremost thing to do is to make a list of things you need for your home office. It includes devices that you will need to work efficiently, it can be items like a computer, desk, ergonomic chair, telephone, copier, etc. Based on your profession you may need additional storage space, file cabinets, etc. Find the Ideal Location: Once the list of things needed for a home office is ready, the next task is to find a perfect location. If space is limited then converting the closet by removing the poles and getting electrical connections installed is the best choice. Look for a place that is quiet and not frequently visited. The guest room or a spare room is the best place as it gives you privacy and also shuts out noise. Install Proper Lighting: If possible, choose a place which has natural lighting. If that is not possible, then efficient access to lighting is necessary. Install overhead lights so that it brightens the whole workplace. If needed, add desk lamps, floor lamps or other lights that brighten your work area. Place your computer screen such that it does not cause glare. Have proper lighting to reduce the strain in your eyes. Use the Right Equipment: It is critical that you have the right stuff for your home office. A proper desk and an ergonomic chair which provides excellent support to your back is a must. A computer with sufficient memory and a good internet connection is another prerequisite if you work online. A good surge protectorto protect your equipment during a power outage can save hundreds in replacement cost. Less is Better:A workspace that is free of clutter improves efficiency. Look at the supplies and see if you can place the extra stuff someplace else or get rid of it. Keep your place organized so that you can work better, put the manuals and the reference books and the mails in the same place. Setting up a home office is fun when the space needed is not too much. You can make it more interesting by adding some personal touch to make it more appealing. You can hang some pictures of your loved ones or artwork on the walls if you have space. It is easy to forget the time when you are working from home, ensure that you set office hours so that you call it a day at the right time even while enjoying the perks of working from home. For more informative articles, Visit https://www.globalbankingandfinance.com/

What Happens To Credit Card Debt After You Die | Debt after Death Explained

23 Jul 2019 · 2.7k views

Have you ever wondered what will happen to your debt after you die? Luckily, you will not be carrying it forward to your heavenly abode but you will be leaving it behind for your family with the burden. Debts are Inherited! Much alike properties, debts too are inherited! Any kind of debt that is left behind will only be a headache for the descendants and much depends on how you have planned for the debts after your demise and also on how the family will handle the debt settlement after death. So, if you are wondering what will happen to your credit card debt or the expensive car that you have bought, then read on to know more about what you will be leaving behind for your family to handle. Possible Outcomes Here are some of the possible outcomes if you pass away while holding credit card debts. In case of credit card debts, if the credit card owner is a sole applicant and if he/she owns any property, stocks or other funds, then these can be sold to clear of the debt, the balance if any, will be handed over to the surviving family. In case the credit card holder does not have enough assets, which could be sold to pay for the debts, the lenders would find themselves in troubled waters, as they have to write off the unpaid debt amount and mark it as a loss. A non-probate property assigned directly to the heirs of the deceased will not be available to the creditors to retrieve the debt. Some assets will have a designated beneficiary, which is a specific set of instructions that is associated with any property on how to handle these assets in the event of demise of the owner. Such assets cannot be considered by a creditor company to claim any debt that is due to them from the owner. Even in the case of a joint tenancy, in which two individuals can be owners, the surviving owner gets 100% ownership the moment the other owner passes away. This type of property too cannot be sold to reclaim any debt owed by the deceased. If the property owned is a community property, then the finances of the spouses are merged and there will be a liability of the spouse to clear the debt sowed by their better half. In some cases, there may also be a possibility of negotiating credit card debt after death of a family member. It depends on the creditor and the descendant who is handling the credit card formalities. It is important that the descendant, with the help of an attorney, intimate or write a letter to credit card company after death of the card owner. Only a good local estate planning attorney will be able to help and ensure that the heirs get what was assigned to them. For more informative articles, Visit https://www.globalbankingandfinance.com/

Top 5 Places To Visit On A Budget | Budget friendly Holiday Destinations

19 Jul 2019 · 48 views

The excitement of travelling to a new place, the whiff of fresh air, the aromas of delicious food untasted before, immersing in the culture of a new set of people…. the benefits of a vacation are many. But if the side effect of a vacation is blowing a hole through your pocket, the aftertaste is not a pretty one. Here is a list of places you can travel to without blowing your budget. CAMBODIA This magical kingdom combines the ancient and the modern, the spiritual and the carefree, the simple and the flamboyant . Soak in the breath-taking views of the iconic Angkor Wat atop a hot air balloon at sunrise bathing the magnificent temple in its golden sunshine. Hop onto a tuk-tuk and go pagodas hoping in the narrow lanes of Phnom Penh (phenom pen). Those fond of cruises can pick from the serene and breezy view of the Ha Long Bay or the bustling hub of activity in Mekong (meekong) Delta. The experiences are many in Cambodia….be it the hypnotic apsara dance, strolling on the idyllic beach resorts in Sihanoukville or feasting on the Kymer(khamehr) cuisine. Average Cost Per Day: 50 dollars per person(stay+food) TURKEY Turkey has something for everyone be it thrill seekers or culture enthusiasts. Pump up your adrenaline (uh-drenalin) by snowboarding or windsurfing in the Aegean (ehgiyan) Sea or skiing/snowboarding in the Köroğlu (khorglu) Mountains. Roam the streets of the old city in Turkey, revel in the glory of the most majestic Ottoman (awtamun)mosques- The Blue Mosque and take in the aromas of the nearby spice market. The picturesque Cappadocia will blow you off your feet, with the fairy chimneys reminding you of mars. No space travel required here!!! Stay in one of the cave hotels is quaint and the scenery from the hot air balloon is unforgettable. The Bosphorus(bowsfohrus) dinner cruise may set you back by a few bucks. But the night cruise with the famous whirling dervishes dance, Sheesha and lip-smacking local cuisine makes it worth it. Average Cost Per Day is 45-50 dollars /person ALBANIA Albania is a hidden gem in Europe that offers you beautiful sights of the stunning alps as well as pristine beaches rivalling (raivlling) those of Greece at half the cost. If you fancy cobbled streets, archaeological towns, such as Butrint (buhtrint) and Apollonia(appoloniya) and hamlets such as Bera, and Korçawill take you straight to a fairy tale. The beaches here can give the French Riviera a run for its money. Placid waters, breath-taking sights and the delicious seafood are all reasons for a thumbs up for the Albanian coastline. Albania has a tumultuous (tumulchuos) history and you can find numerous bunkers which now house pubs across the capital Tirana. Average Cost Per Day is 60 dollars /Person PERU A trip to Machu Picchu is usually on most travellers’ bucket list. The ancient Inca city is one of the seven wonders of the world and while entry to the site will set you back by 50 dollars, it’s a trip of a lifetime which will make it worthwhile. Plus stay and food is fairly affordable in Cusco and Lima, both cities you should and have to visit. One, Lima…is the gateway to the country and the other Cusco the quaint town which is a stopover for Machu Picchu. There are many ways to reach Machu Picchu. The cheapest option is private cab/bus from Cusco, the train is more expensive and the 4-day hike on the Inca trail to Machu Picchu is perhaps the most expensive option. A trip to Lake Titicaca, the highest navigable lake in the world is a beautiful experience. The peace and calm will help you find the Zen in you. Average Cost Per Day is 70 dollars/person NEPAL For those who love mountain biking and hiking, Nepal is a paradise waiting to be explored. Watching the sun come up over the Himalayas while surrounded by some of the tallest peaks in the world on a trek is an unbelievable experience. Those looking for Nirvana can find refuge in the temples and Buddhist monasteries. Kids will enjoy bathing elephants and looking for Rhinos and tigers in the Royal Chitwan National Park. Average Cost Per Day is 40 dollars /person which of these places do you want to visit? let us know in the comment section below. website : https://www.globalbankingandfinance.com/

How much rent can you afford? | The rule of 30

18 Jul 2019 · 308 views

Whether we reside in an expensive city or a serene suburb, we have to plan our rent management with care. Spending too much of our income on the house rent can be quite insidious, which is a common hazard among metropolitan citizens. You should keep in mind that the rent should not only be affordable but also adaptable to your budgeting." Some of the valuable insight to note when considering the question ‘How much rent can I afford?’ are listed below. Look through them to form an informed decision about your home rent. The rule of 30 It is a very popular rule, concurred by many, to spend up to only 30% of the salary on the rent of the house. Although we aspire to follow the rule it is rarely possible. People who spend more than 30% of their principle income on house rent are considered to be burdened by money woes. Many people fall under this bracket as they turn a blind eye to this important rule. The income growth in the recent years is slowly becoming stagnant, whereas the house market is flourishing. As they are not proportional, people often end up overspending on their rent payment. You need to consider renting a house that falls under the limit of 30% of your income. One crucial detail to remember is to not exceed the 50% of your income, as that would be fatal to your financial safety. Sources of Income If you are fresh out of college, looking for your first home then you may have only one source of income. But if you are a seasoned professional, there are chances of you having multiple sources of earning bread. List all these sources and meticulously plan the expenditure based on them. Keep in mind that some secondary sources of income can be fickle, deeming them undependable. It is better to not account them when factoring rent payment. After listing the source of income, you can now decide the suitable amount to spend on house rent that won’t dent your reserves. Keep the 30% rule in mind while deciding the rent budget. Also, if you are not planning a family anytime soon it can be cost effective to have housemates. The rent divided by two or more people can well fit into your budget and will place you in a nice neighbourhood. Whether it is an apartment mid-town or a house with picket fence in the suburb, it is important to ask the question ‘How much rent can I afford?’ in the initial stages of your financial planning. Craft a clever plan to manage your rent and financial security hand-in-hand. Thanks for watching. Don’t forget to subscribe, like and comment and one lucky winner will win a one-year free subscription of Global Banking and Finance Review Magazine. For more informative articles, Visit https://www.globalbankingandfinance.com/

How to save money using the "ZERO SPENDING MONTH"and the 24-hour rule method

15 Jul 2019 · 203 views

How to save money fast is the topmost concern for individuals of almost all the age groups in the present era of increased standard of living and spending habits. so lets have a look at the two tricks that help us to save up. zero spending month A zero spending month implies that you do not indulge in wasteful or luxurious shopping for a period of one month and only spend on necessities such as food and bills. Trying this for 21 days will convert it into an easy habit that can be carried on in the future times as well. This will greatly decrease the monthly expenses and will eventually help in creating a huge bank balance. One can even cut down on the unnecessary daily outflow of cash by eating simple home prepared meals, taking the cheaper commute to work, buying non-perishable food items in bulk, shopping at thrift stores and recycling and reusing stuff as much as possible. Do DIY projects at home rather than buying everything at the stores. This will reduce the spending and even give you a chance to apply your creativity to make something new. 24-hour rule Applying the 24-hour rule implies that you give yourself a minimum timeframe of twenty-four hours to make a buying decision. Impulsive shoppers who are researching on how to save money fast should keep the things they want to buy on an online store on the wish list for at least a day. It has been seen that about 70% of the buyers do not buy the stuff kept in the wish list, returning after a few days. So give yourself some time to decide whether you really want and need to buy a particular thing or was it just an impulsive buying decision. Would you try these methods? Let us know in the comment section below. For more informative articles visit https://www.globalbankingandfinance.com/

How long should a Resume be | Create an ideal Resume

12 Jul 2019 · 159 views

A resume is a window to one’s skills, personality and achievements. In the boosting sector of employment, people do not have time to sit around and know each other. As the French word suggests, Resume provides a complete summary of the aspirant in relevancy to the job. The market is flooded with professional resume writers. Their major work is to put your common skills in an extraordinary way to gain the employer’s attention. A well-framed resume despite your skills can let you through the step 1 of the selection process and if not sketched properly it can easily let you out of the process despite your arduous achievements. The three attributes of resume which hikes its efficiency are: Relevancy For the position of Mathematics teacher, your skills with hoverboard won’t help with anything but all the championship in Math Olympiads and an active participation even with mathematics club of high school will imprint itself in the employer’s eyes. It is important to state and highlights your skills and achievements which are relevant to the job. Putting all the skills in one’s resume only crowds the space and makes the resume vague. Updating Each sector is dynamic and so are the opportunities it provides. For people who constantly work upon themselves keep on adding new skills to their profile. It is wise to acquire skills which are in demand and put them on the resume. Although, a resume should be updated in accordance with the trend of the market. Constant framing and structuring of a resume is sagacious but sometimes updating one’s resume not only includes the addition of data but also trimming it off irrelevant information. Presentation You do not represent your resume but your resume represents you. It is like a pamphlet to the show of ‘your experience’. One should be careful to match their behaviour with what they have claimed in their resume. It is a known belief that a resume glorifies one’s personality but at the same time, the behaviour should be congruent to claims made in the resume. The primary question that strikes the nerves of our mind while writing a resume is How long it should be? Bloating of information in a resume is never ideal. Humans have a tendency to get bored easily and forgetting that your employer is a human too is the biggest mistake you can make. Handing over your employer an essay named resume will only take off your chances to get selected. Brevity and accuracy are appreciated but not so much that one starts questioning your skills and capability. It is a heated topic of discussion amongst people whether to use one-page or two-page resume. Both are scaled and optimize different Job situation. One- Page Resume This resume suits people who are applying for the very first time or for any creative job. This resume adheres to the brevity and major highlights of one’s life in a professional aspect. If a person is applying for the position in the same field as his previous job then this may not be the ideal resume. A detailed description of the previous job is expected to analyze the candidate based on relevant skills. Two-Page Resume This resume has its own pros and cons. Too much information can sometimes put the interest off the table. The key to bringing this resume into one’s own favour is to craft it in a way to highlight only relevant skills and the gaps filled with experiences. If one is applying for Job which has many applicants then it is wiser to keep the resume short and germane. Key points to keep in mind while writing a resume: 1) Heading should be consistent in size and font. 2) Ideal font size is 11-12 pt. 3) Too much personal information should be avoided. 4) Though a resume is enhanced narration of skills but one should avoid lies and stick to the knowledge they are more confident about. For more informative articles visit https://www.globalbankingandfinance.com/

Apps that Help You Save Money | These Apps make Saving easy!

10 Jul 2019 · 177 views

Apps are not only meant for playing games or editing your pictures. Many useful apps can help you plan your budget and save money. Sounds interesting? Scroll down to read about easy to use apps that help you save money. Bill Tracker If you often miss paying the bills on time because of your busy schedule, then this app is meant for you. It will allow you to keep the due dates and amount totals in one place only. You will also get notifications for pending payments, and due dates will be highlighted on the calendar to let you view all the payment dates easily. Mint This app is meant for people who prefer to stay within the budget limits. It tracks all the financial accounts from different accounts and records as well as categorizes every transaction smoothly. It also notes your spending habits and creates a budget for you. Shopkick This app is best suited for people who want to find great deals and discounts at stores like Best Buy, Macy’s Target, etc. You can earn points for different purchases, inviting friends to join and just for walking into a store. The points you earn can be transformed into gift cards at stores that are partnered with it. Ibotta This app lets users earn real money for shopping. You can start by going through varied offers in the product gallery and selecting the ones you want. Every time you finish a task like taking a poll or watching a video, the pending cash is added to the account which can be accessed when you buy the products from retailers who are partnered with Ibotta. After the purchase is verified, cash can be added to your PayPal account or turned into a gift card. You Need a Budget (YNAB) Well, what we like best about this app is it’s to the point name. This app has an easy to use interface that’s highly detailed. The software operates by following four simple rules, save for a rainy day, give every dollar a job, live on last month’s income and roll with the punches. The app will change the way you manage money and will make finances stress-free. RetailMeNot if you often spend hours in looking for relevant and latest coupons, then this website is for you. It allows you to seek deals and coupons from popular stores like Starbucks, Sephora, J Crew, Forever 21 and many more. You also get notifications for expiration dates so that you can do that last-minute shopping before the deal ends. SnipSnap Last on the list is SnipSnap, another coupons app that allows you to find the best deals with various brands. It also allows you to take pictures of printed coupons and transforms them into digital and mobile-ready versions. You are also allowed to peruse through an online directory and see coupons your friends have snipped. How cool is that! For more informative articles, Visit https://www.globalbankingandfinance.com/

The Next Biggest Economies of the World | Does US have the biggest Economy?

9 Jul 2019 · 162 views

The economic and financial landscape of the planet is changing at a rapid pace. This is the main reason why the top economic powers that are ruling at the moment will need to work hard to remain at the top or else, they will lose the edge they have got. The economies that are budding at a rapid pace will also give tough competition to the existing champions and would leave no stone unturned to dethrone them. Have a look at the next biggest economies of the world according to our perception. The USA The USA will be an economic superpower even after a decade thanks to it’s focus on services rather than manufacturing only. It will continue to reduce its reliance on exports and will lessen the dependence on global energy markets by its ability to hydraulically fracture. The country won’t be dependent on Middle Eastern stability but will continue to stand on its own. Japan Though many economic experts have lost their confidence in Japan’s economy due to its persistent problems like aging population and heavy debts, Japan is still a strong economic power that is riding high on innovation, technology, and high exports. The government is also launching stimulus programs rapidly to ensure the growth doesn’t come to a halt. Germany Whether Germany will be counted among the next biggest economies or the world or not will depend heavily on whether it integrates with the European Union or not. At the moment, Germany is fueling its economic growth by tying up education, technical training, and industry. It is ensuring that the right skills are imparted to the future leaders. The big companies of the country are also owned by families and are often passed on from one generation to another rather than selling it to the one who pays the biggest dollar. One big challenge faced by the country is that it needs to maintain the current account surplus. India Though India’s economic growth has been making the headlines at global forums and it is often counted among the next biggest economies of the world, it is also a known fact that India direly needs the necessary infrastructure to be a dependable economy. The country’s best bet is the young talent, and its economic prosperity will likely ride on their backs for the next few years. India is also free of the government-debt-to-GDP burden which plagues many economies of the world and gives the country the power to modify fiscal policies in order to encourage its growth. The country also needs to make an effort to improve it’s doing business ranking because when it does, it will give tough competition to other economies. China China will continue to grow at a rapid pace, but it won’t be able to replace the USA in terms of GDP per capita. The country needs to reform the banking system and ensure that it has a more consumer-driven society. Over the next decade, China may face the problem Japan is facing now, quick aging. In essence, it can be said that though the US, China, and Japan will continue to be among the next biggest economies of the world in the next decade, Germany and India will need to work hard to retain their place in the top five because Russia, Indonesia, Brazil and Mexico are eager to dethrone them. For more informative articles, visit https://www.globalbankingandfinance.com/

The Difference Between Finance And Accounting | Which Department is more suitable for you?

5 Jul 2019 · 595 views

Juggling the terms finance and accounting and using them interchangeably,is something that happens often. However, if you are starting your first job, setting up a business or choosing a major in college it helps to be able to differentiate the two terms.Figuring out the differences between finance and accounting, sets you on the path to get a better job and often results in the creation of more assets if you are managing your business. So if you are at the starting line of the finance and accounting world, here is how you can quickly learn the meaning the two terms. Definitions of Finance and Accounting Interchanging the terms finance and accounting happens when the fine lines that demarcate them are not understood. Once you delve deeper into the terms however their different definitions are quite apparent. Accounting keeps a record of each financial transaction happening within a company or home and therefore provides an overview of day to day happenings. Additionally, accounting results in reports that provide a detailed look at assets which includes money. High accuracy is therefore a prerequisite in the accounting department,and an important function of it is to ensure employees are paid in time. Meeting with an accounting department representative therefore happens when joining or leaving a company. Finance deals with managing, moving around assets and the planning of investments from a higher level to ensure the best benefits are reaped over the short and long term. Operating with a distribution plan the financial department which is headed by the Chief Financial Officer,ensures the spread of assets across a company happens smoothly. As a result all departments within a company have funds to keep operating. Assets are Linked to Both Finance and Accounting Looking at the bigger picture finance and accounting both are involved with assets. While finance involves the moving around of assets which are necessary for keeping a home or a business functioning. Accounting ensures that assets spent are tracked. Finance and Accounting Departments As you go in search for the finance and accounts department as you start a new job in a company, it is quite probable that you will find these departments are separate. The reason for this splitting is because each department is valuable on their own,vital for the functioning of the company and ensure it does not run a loss. Which Department Is Involved In Employee Payroll? Onboarding a new employee in a company, that is either big or small results in the accounting department getting involved. Even thought HR is directly in charge of the onboarding procedure and collects employee details which are input into specific software that manages payroll, the accounting department does the actual calculation of monthly salaries. The payroll accounting process includes calculating bonuses; commissions earned from sales, and ensures that taxes are deducted before salaries are paid to employees. Choosing a Accounting or Finance Career Finally if you are a student, choosing accounting or finance as a major in college will have a long term impact on your career path. Accountants and auditors on the average earn less than financial analysts but since the growth rate for both job types is around 11% you can rest assured that you will be employed in the future. For more informative articles, Visit https://www.globalbankingandfinance.com/

How to market and advertise your website for free | Search Engine Optimisation

4 Jul 2019 · 532 views

It’s not always the quality of the product that is enough for its promotion. Without advertisement people are not aware about any new launches. Nowadays there are various websites that allow you to promote or advertise your websites for free. So here we are going to discuss about some of the tips on how to market and advertise your website for free and how to get your page on the top on search list. 1.Always emphasize on the website search engine optimization: You should make sure that the content you are writing for your website is SEO friendly. Try to jot down the effective and best keywords with the help of google keyword tool planner. With the help of the SEO technique you can always get enough traffic on your website and that will eventually lead to the higher ranking of your website. You have to emphasize on the keywords that have high search frequencies. Ensure that you add the keywords to the images heading, titles and the description part and try to center stone the long-tailed and shot keywords. 2.Directory Listings: The directory listing is also one of the method to promote or advertise your website there are various directories like super page, manta.com, dex knows that enables you to promote your website that too for free. The simplest approach to start the promotion starts writing the fresh content and submit it on the largest search engine directories to get indexed. 3. Social Media Marketing: One of the best way to promote or advertise a website is through the social media it is the fastest way of marketing things.The more the eye catchy your website looks the more will be the traffic on your website. You can promote your website anywhere be it Facebook, Instagram, Twitter, Pinterest etc. 4.Signature Branding: Signature branding also plays a vital role during the advertisement or promotion of the website. By looking at the brand image of your website people will be able recognize it distinctly. For the signature branding you need to Generate a signature for your email account, forums and text messages that includes the Uniform resource locator (URL) of your website. 5.Reciprocal Linking: Reciprocal linking basically means the linking of different websites on your website. To get the trust of audience that your website is genuine you can always go for the reciprocal linking. There are search engines that rewards you when you have the best and the most visited websites with higher ranking. You should be aware that creating the relevant links for the audience and use of proper keywords can increase the market value of your website. 6.Focus on Quality Content: Always make sure you write the relevant and proper content with the excellent and catchy keywords that are mostly searched by the people. It will help in the promotion of the website that too for free. For more informative articles, Visit https://www.globalbankingandfinance.com/

7 Money Habits That Leave You Broke | How to change your spending habits

3 Jul 2019 · 143 views

When it comes to finances, it is your habits that determine your fall or rise. Good ones can sustain you even in tough times. And bad ones will leave you broke without you noticing it. So go through this checklist and see if you have any of these bad habits. Impulsive shopping Impulsive shopping at times creates huge holes in your wallet. This may appear to be a temporary trouble. But know that it is detrimental to your financial health in the long run. It prevents you from fulfilling your long-term financial goals. The effective way to get out of the trouble is to know the reason. Some “impulse-shop” to stay with the trend. Others do it to take advantage of sales offers. They buy the things they don’t need hoping to use them in future.Prepare a budget and have a financial goal. Pledge to yourself that you will stay committed to them. This way, you will minimize and eliminate impulsive buying. Excessive spending for housing Maintaining your home is no doubt the most expensive responsibility you should perform. Mortgage loans, utility bills, maintenance, insurance; the list is endless. This fact alone makes it a must to keep it as low as possible to maintain your financial health. Find ways to lower your housing expenses. Aim for less than 30% of your monthly earning. Explore any number of success stories. You will learn one thing. The wealthy always keep their housing expenses at the lowest end. Allowing others to detect your lifestyle People learn certain spending habits from friends, family, teachers and well-wishers. They can have both negative and positive influence on your financial health. Check the lifestyles of your immediate social circle. Stay safe from those who spend beyond their means. Comparing yourself with your social circle Comparison shopping is the best asset one can have. But comparing yourself with your social circle will lead to financial ailments. Accept yourself as you are. Know your means and stop coveting the new car your friend recently bought. Instead, delve on the great things you have. Reward yourself for your own achievements. When doing so, you should find ways that don’t drain your budget. Be kind to yourself Cutting your expenses definitely helps a lot. But the better alternative is to investing in yourself. Experiment with stock market. Attend paid courses available to advance the skills you already have. Doing both will take your finances to the next level. Remaining unconcerned about your debts Do you know how much you owe your lender/friends/relatives? Are you taking measures to repay it at the earliest? It is true that paying debts requires great sacrifices on your part. But the effort is worth taking. Living debt-free is a true gift that you owe to yourself. Being dependent on your credit card Plastic money does help a lot. It comes handy when you need emergency cash. But millions make it a means of buying expensive items. Remember, credit cards increase your debts. And you will have to pay a higher interest rate. Live within your means; your wallet will thank you forever! For more informative articles, Visit https://www.globalbankingandfinance.com/

How to know when it’s time to trade your car for a new one | Sell your Car at the right time

26 Jun 2019 · 777 views

Trading in your old car to buy a new one, also called part-exchange is a process where you sell your old car to a dealer and the price the dealer gives you for the old car is set off against the price of the new car you are going to buy. It’s important to understand when it is the right time is to part exchange your old car. Especially since it may sometimes make more sense to sell your old car privately instead of going for a part exchange[ii]. Here are some of the factors you need to keep in mind if you are contemplating trading your old car for a new one. Age of the Car It’s a well-known fact that the most major loss in value of a car happens the moment it goes from the showroom onto the road. In fact, the first 9 months is when the car’s value depreciates most dramatically. A study shows that cars when cars are 5 years old their failure rate is the maximum and things go wrong after 60,000 miles. So if you choose to sell too early you will lose out on car value due to steep depreciation but if you leave it till too late then you may end up getting a very low value for the car as the running and reliability of the car comes into question. Finding the sweet spot is essential here. Time Left on the MOT The time left on your MOT[iii] (a test of car safety in the UK, compulsory for all vehicles over 3 years old) can also be a factor in the price you get for your vehicle. If your MOT test is due and has not yet been done, then that will be a factor in the pricing of your vehicle when you want to trade it in. At the same time, if you sell your vehicle right after the MOT, then you end up spending money on the test and don’t drive the car afterwards. Selling your car a few months after the MOT is a good idea as you don’t get penalized for not having taken the MOT and you still get some driving time after your MOT. Avoid Bad Timing In some cases, there can be factors[iv] outside your influence that can drive down the price of the car you are selling. For example, you may be selling a Ford and if Ford ended up selling some cars to the daily rental which are now due to come on the market, this may drive down the price of your car through no fault of your own. It is important to keep an eye on such external trends and events and time your car sale accordingly. Part Exchange vs Private Sale It’s important to know whether you are better off selling your car privately[v] to a dealer or part exchanging it. In most cases, it is easier to get a higher price while selling your car privately because dealers are less likely to drive a hard bargain when they are buying in cash. You may also end up selling to the final car owner who is likely to pay more for the car. At the same time, a lot of dealers[vi] do end up giving you a good price on the new car when you are trading in your old one, and this may often make it more lucrative to part exchange your car than to sell it privately. Moreover, the convenience and ease that part exchange comes with should also be taken into account while making the decision. The most important thing when trading your car for a new one is to be fully aware of its value and to make sure the timing is right. This way you can get a good deal on your old car and go home with a brand new one. For more informative articles, visit https://www.globalbankingandfinance.com/

Top 5 mistakes Small Medium Enterprises make | Mistakes to avoid for a Successful Business

21 Jun 2019 · 139 views

SMEs or Small Medium Enterprises are businesses started usually by entrepreneurs. To do this, one invests his own money, time and unlimited effort. But small mistakes could undo all the hard work and put the entire business at risk. In this article, we take a look at the top 5 mistakes that SMEs generally make, that could affect their businesses seriously. 1) Improper planning Planning is the most important stage in the life cycle of a business. A well-prepared business plan should include a properly done market research to get a clear picture of the market for the proposed product. It must also include a marketing plan and financial plan. An absence of a proper plan is like trying to move around in the dark. It is a big risk to take and a big mistake that many SMEs commit. 2) Improper use of technology Technology plays a very important role in the success of an SME. However not using technology or using outdated technology can also affect the growth of an SME. A product using an old technology may not be appreciated by customers who may reject the product. Such a product failure can have serious consequences for business. 3) Not having the right people in place For an SME to succeed the effort of the entrepreneur alone is not enough, a dedicated team is required to stand behind the entrepreneur. Mistakes made in the selection of the team can affect the functioning of the SME. A right mix of the experienced and youth is needed. Also, a key person is needed on the team who is an expert in the product and/or technology. A mistake in selecting the key person(s) can be very costly. 4) Not giving importance to marketing Marketing is a very important activity for every organization, more so for new ones. SMEs may be small in terms of their size, but they too need to invest in marketing to get customers. Some SMEs rely on one major order and feel it is not required to do any more marketing. There are others who do marketing but do not give a sufficient budget. Money spent on marketing is not a simple expense; it is an investment which will bear results in the long term. A proper marketing plan supported by a decent budget will go a long way in the success of a business. Not investing in marketing can be a serious mistake. 5) Underpricing the product In an attempt to be the lowest price provider in the market many SMEs underprice the product. They set too low prices in the hope that it will bring in higher sales of the product. While this may or may not happen, underpricing may lead to undervaluing the product. This may lead to long-term problems for the SME. Too low a price can lead to a perception that the product may not be of good quality. The above mentioned common mistakes can have a serious effect on businesses. Every SME needs to keep these points in mind while planning their business and ensure that they do not fall prey to such common mistakes for which they have to suffer in the long run. For more informative articles, Visit https://www.globalbankingandfinance.com/

10 Tips to Improve your Investment Returns | Buying and Selling Shares

20 Jun 2019 · 160 views

10 Tips to Improve your Investment Returns Between investors and traders, the former aim for the long term where the approach would be different. Buying shares in order to hold on to them for months and years require a different policy. Occasional rises and falls in value will not bother you as long as the end result is good. Traders, on the other hand, will be constantly buying and selling stocks, according to the whims of the market. Manipulating the market with such quick action becomes possible also to some extent. 1.Beginners need to take a balanced and rational view of the immense possibilities of profiteering from the share markets. Yet, they cannot give in to emotion and take unnecessary risks. Do your own homework rather than accept suggestions. 2.Apply common sense and decide to buy shares when they are at low prices if the chances of escalating are high. How will you know? The past often determines the present and the future performance. On the other hand, buying stocks when the prices are high will leave little room for escalation. 3.In terms of investment potential of gaining high returns, stock markets are very attractive, but the risk factor is paramount. Most people lose while a tiny majority succeeds in amassing wealth. 4.Don’t fall for big company names. It is not always true that the mega businesses generate the highest returns. Maybe they do, but not always. Many smaller company names are known to bring higher returns. Investment in smaller amounts in a series of companies large and small seems to be the safest policy, certainly not putting all the eggs in one basket. 5.The risk factor is obvious in a volatile market, but then you are going to get used to it. The general principle indicates that the higher the risk factor, the chances of highest returns are greater. How much of risk can you really afford? 6.Investment purposes and periods should help to decide and understand better. Aimed at the long term, do you plan retirement, education, marriage, travel abroad or whatever and when? Long-term investments will probably not let you down while short-term rise and fall in share value are common. Slow and steady would be wise, in order to gain some understanding and perhaps experience losses, hopefully minor. 7.Consistent saving for the sake of investment is a wise policy rather than by fits and starts. In business, incomes vary over time as compared to services that bring home the same salary every month. In both lifestyles, a certain amount could be saved regularly. 8.Avoid getting emotional or desperate about investments, but do it cool-headedly, with an open mind that recognizes the possibility of losses. Money cannot become the master and ample research on a particular company would help to understand the chances of success. 9.Gradual understanding of technical aspects would dawn as time goes on. Software made the task of research so much easier and company histories are available at a glance. Some knowledge of computers and software would be needed too, as well as contacts in the stock industry, perhaps a mentor. 10.Big bets are sometimes justified when certainty arises that a company will do well! Starting with small investments, take the golden opportunity when it arises. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

The world’s most richest countries | How's the Country's Richness determined?

14 Jun 2019 · 716 views

The World's Most Richest Countries. Per capita income of a nation is determined by the individual earnings of each citizen. The tax every citizen pays is one of the major contributions to the national income of every country. Otherwise, strategically, the cost of goods ratio, purchasing power parity of the country and comparing currency values are helpful in making the decision of which is the richest country in the world. The following are the richest countries in the world according to the International Monetary fund. Iceland Iceland currently, according the octoberIMF’s data holds $52,150 as world capital income which obviously makes it one if the richest countries in the world. Iceland holds a stable government that helps the citizens of the country to be loyal towards it, This country’s main source if gathering such huge amounts of income is directed towards tourism, investments and exports. Iceland can also be dubbed as greenland known for it breathtaking views and natural beauty that attracts the tourists. This is one of the main reasons why the IMF has predicted that Iceland will hold a long lasting upper position. Saudi Arabia The middle eastern rich country is sourced by oil. Oil exports is the leading profit generating area of the country. In the past few decades Saudi Arabia is topping the lists of richest countries in the world with the high monetary holdings. This profit generating oil exports and business has been a beneficiary factor for all the countries that the oil is being imported to. Crude oil, Petrol and diesel is originated from Saudi to the entire world. Since most of the country’s profit is based on the oil plantation, this country has come up with a reforming project for 2013 which is strongly ongoing. United States The US is supposedly richer than Iceland as it holds more of world capital income which comes upto $59,500. The IMF suggests that the US is the richest country although the rate of unemployment has been remaining low in this country but despite the unemployment which is part of the longest expansion since 1850, The US has managed to hold it’s rank as the richest country mainly through investments. Big time foreign direct investors and domestic investors are frequently looking for forward money market such as the great US which has helped the country majorly in retaining it’s position globally San Marino San Marino tops the US with the world capital of $60,360. The government plays a major role in making San marino the richest country. This country is highly populated with 9 million people. The connection between the population of the country and the per capita income of the country determines its national income as national income is calculated by adding every individual’s income and dividing it by the population of the country. The employment opportunities of San marino is exquisite as they have understood the value of employment which led to the external demand and the domestic demand for employees. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Top 6 Startup cities- Why should you open a startup there

13 Jun 2019 · 145 views

Entrepreneurship is inborn. Although a mass amount of the world's population prefers to work under somebody, entrepreneurs are those who start up their own business which rids off of thinking inside the box of someone else's management and administration. It provides the individual with his/her own thought process to be executed in the business mannered strategic development. Here are the top 6 cities to start up. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How To Choose The Right Company To Invest In | Avoid investment mistakes

12 Jun 2019 · 44 views

Investing in a company that gives you benefit in the long run is always the main priority of any investor. Well choosing the right company to invest in is like commencing with the foundation of a building. Basically, choosing the right company here refers to choosing the stocks of the company. This video explains how to choose the right company to invest in. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How To Build Wealth By Having An Online Business | 5 Ways to Generate Income On The Internet!

12 Jun 2019 · 79 views

If you are searching for an answer for how to build wealth fast without any capital investment, then here are some ideas that actually work! For a budding entrepreneur, starting an online business or a start-up venture is a much more beneficial endeavor rather than investing in infrastructure for commercial purposes. To top it all, the online business gives the opportunity to work from any location and also pursue the hobbies and passion one has in life. Here are the top five online business ideas on how to build wealth without huge investments. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Advantages of Leasing a Vehicle | Is leasing better than Buying?

11 Jun 2019 · 43 views

Everyone wants to own a vehicle. In fact, a vehicle is no longer a luxury, it is essential. But then, did you know that it would be advantageous to lease a vehicle instead of owning it? Yes, this would seem surprising, but it is a fact that leasing instead of purchasing is a better option. While most people save money planning to buy a vehicle, it would be more prudent to lease and use the savings for some other purpose. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How Social Media is influencing purchasing decisions | Search engine optimisation on social media

4 Jun 2019 · 414 views

Social Media began its operation as a basic platform for people to share photos and posts with their family and friends. However, over the passage of time, social media has undergone a dramatic evolution with a discernible impact, particularly in businesses. According to the latest survey, approximately 74 percent of consumers draw up purchasing decisions using social media. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How To Build Wealth by Investing | Investing in Other Assets Besides Stocks

3 Jun 2019 · 70 views

The ups and downs in the stock market can be quite risky for people who are not aware of the market strategy. Here we will be discussing the alternatives that can be really beneficial and can give you high profits in the long run. here are Some of the alternatives that can help you build wealth investing in other assets. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

What is owner financing? | How to get financing from the seller or Owner of the House

30 May 2019 · 87 views

Buying a house is usually one of the biggest financial decisions you would take. Everyone would like to own a dream house, but it would obviously cost money and usually, it would be big money. When you decide to buy a house, in all probability, you would look for financing to help you raise funds for your purchase. In most cases, people approach banks for a mortgage loan. Owner financing is an option you can consider to raise finance to buy a house. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to prepare for a job interview | Practical tips to Prepare for an Interview

29 May 2019 · 59 views

The job interview is without a doubt the most important stepping stone in an individual’s career. It is a test of one’s knowledge, skills, and presence of mind. An interviewer would meet many candidates and select probably just one of them. So success in the job interview needs careful planning and preparation. This video discusses practical tips to prepare for a job interview. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to Save Money at the Grocery Store | Tips to avoid Impulsive shopping

28 May 2019 · 50 views

Saving money on groceries is one of those things that you think about a lot but rarely manage to do successfully. The lure of checking out every shelf and trying out new things is so enticing that you rarely stop and think, do I need all this stuff? If you are also among the scores of people who want to reduce the grocery bills and can’t seem to manage it then here are some tips that would come in handy. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to write a business proposal | Impress Investors with the best Business Proposal

28 May 2019 · 335 views

Putting together a business proposal can appear to be a simple task, but using the wrong template or failing to ask the right questions and it quickly becomes overwhelming. So savvy entrepreneurs use tips and templates to shorten the process and create a winning proposal. Whether you are creating an unsolicited or solicited business proposal, you can use the process outlined below to draft a business proposal that provides you with the best chance to win a potential client or partner. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

5 Ways to Make Your Investments Grow | Tips for safe investment

28 May 2019 · 51 views

Most people earn money through hard work, i.e., by getting skilled, educated and getting a job. So, when it comes to money, most of us are cautious about where to spend or invest every penny. If you are like that and you are still hoping to ensure that your investments grow with time, then you must read the top 5 ways to make your investments grow mentioned right here. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to choose a Financial Advisor | Importance of a Financial Advisor

23 May 2019 · 64 views

A financial advisor is a person who gives advice or guidance on how to manage one’s finances. They give this advice or guidance on the basis of the client’s financial situation and charge a fee for the same. The rise in digital technology has led to the launch of robo-advisors, which are basically computer algorithms that build a portfolio on the basis of your risk tolerance and financial goals. This is usually done by answering a questionnaire, which helps the robot-advisors build a portfolio of financial products. Most countries require financial advisors to hold a license or certificate in the field of financial advising before they start practicing. Keep the following points in mind when selecting a financial advisor. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

List Of Incredible Books That Can Change Your Perspective On Life- Must Read

22 May 2019 · 207 views

On days you feel uninspired and demotivated, a few moments of speculation with a good book in hand is enough to lift up your spirits and mood. While some books entertain, some make you cry or laugh while some have the capability to speak directly to your souls and move us in a way that we could never imagine. Here’s a list of some incredible books that are sure to change your perspective on life and make you question your existing ideals and beliefs. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How Long Does It Take To Get A Passport In UK? | Process of applying for a Passport

20 May 2019 · 3k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. Acquiring a passport is of utmost priority if one wishes to travel for holiday or business. In addition to this, it has now become mandatory to have a passport even if someone wants to get a job in a reputed company. Hence, one should apply for a passport as soon as possible. The processing time for attaining a passport depends upon several factors like the type of services used and whether applying for the first time or renewing it. Watch this video to know how long does it take to get a passport and how long does it take to renew it. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Best Countries to retire and live your dream | Live peacefully after retiring

17 May 2019 · 176 views

After years of jobs, everybody wants to live a peaceful life. We are going to discuss some countries here, where you can live your dream after retirement. so here is a list of Best Countries to retire and live your dream. Mexico If you are foodie and want to live in a country that is very popular among the retirees, then let me tell you that Mexico is the only name that can meet up your expectations. The life-style here is low and you will be able to fit in the society easily. Locals are very friendly, and you may find large number of people from expat community. It has beach towns such as Tulum and Cancun, colonial towns like San Miguel de Allende, I mean this country offers what everybody wants, to live an excellent life. Costa Rica Undoubtedly Costa Rica is one of the ideal country for the retirees. It tops the list when it comes to the healthy lifestyle and health care. The best part is that you do not need thousands and lakhs to live a comfortable life here, just$500 a month is what you need to get a well-furnished two-bedroom home. Panama Panama is the other country, you should add up to your list of settling down after retirement. It makes the best place for the retirees. In discounts and benefits along with the residence and visas, Panama is ranked the highest. In the outer part of Panama City, you can easily live on $1,500 per month. You do not have to spend much on utilities, as it has mild climate. Uruguay Uruguay is counted among one of the most popular retirement destination. Cost of living here is notable and the capital of Uruguay has the appealing quality of life. Montevideo, the capital of Uruguay is a place where one third of the population of the country resides. Cultural vitality and serenity is what makes it stand apart. Belize Belize is one of the premiere destination for all the retirees. Its vibrant mainland has the beautiful and lush green canopy. Its diverse wildlife and palm-tangled Mayan ruins are the major attractions. Known for the snorkelling, diving sites, walkability and many caves Belize is no less than the perfect holiday destination. You can go scuba diving in The Great Blue Hole or if adventure doesn’t excite you, then you can move towards the San Pedro which is a small town far away from all the hustle bustle. Apart of all the adventures and comfortable living let me tell you that Belize also have the great program for retirees. There is a program named as QRP or Qualified Retired Persons Program, here the government exempt the qualified retirees from the taxes that have incurred on the income derived outside Belize, person should be of 45 years of age to be eligible for this program. Ecuador Ecuador proves to be the overwhelmingly attractive destination for the retirees. It provides the comfortable living at $1,800 a month. A furnished apartment could easily be rented out in the Cuenca which is a colonial city, for $600 a month and even less than that. The transportation cost is also very nominal, you can travel across the town by a taxi in $2 or $3. Malaysia Malaysia is a country then can provide you the comfortable living at $1,500 a month. It is one of the best Southeast Asian country that is known for its great heath care, lifestyle and entertainment. Retirees would love to stay here. So, what are you thinking, analyse, examine and pack your bags to live a life you have always dreamt of, choice is all yours. which country would you like to live in after you retire? Let us know in the comment section below. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Digital Marketing Strategies Your Business Should Be Using Right Now | Best Marketing strategies

16 May 2019 · 117 views

Today we're going to talk about “Digital Marketing Strategies Your Business Should Be Using Right Now”. Video-Based Content, Big Data-Driven Marketing, Heightened Personalization, Tying up with Social Media Influencers, Use of Social Messaging Apps are few of the strategies discussed. today we're going to talk about “Digital Marketing Strategies Your Business Should Be Using Right Now” we are giving away one year free subscription of Global Banking and Finance Review Magazine to be delivered at your door step, to one lucky winner. Stay with me for more information Video Based Content Creating content in the form of text is all well and good, but your company also needs to output videos. Marketing products and services via videos on social media platforms also improves engagement rates and brings in more leads, and this has helped drive up the popularity of Instagram stories among businesses. Big Data Driven Marketing Big data and predictive analytics based of it are already in use in large companies. The coming year is going to see tools that provide market and customer insight being put to use by businesses that fall within the medium and small segments. Heightened Personalization Increasing personalization of digital marketing is already happening and 2019 is going to see more emphasis being placed on it. With the aid of data that charts a customer’s purchasing history and preferences, personalized emails and texts can be sent to customers. Tying up with Social Media Influencers Businesses when using influencers also save money on marketing campaigns that are blasted out to a large number of people, whether or not they fall into the target audience. Influencer based campaigns also make use of the trust that such people have amassed over the years and therefore they are much more effective than traditional campaigns. Use of Social Messaging Apps Employing a social messaging app such as WhatsApp or Facebook Messenger gets your product and service better exposure compared to traditional social media sites such as YouTube. This is just one of the reasons why these messaging apps are becoming increasingly popular methods of digital marketing. Do you know more strategies that your business can use? Let us know in the comment section below. For more interesting videos and articles, visit Global https://www.globalbankingandfinance.com

World's safest countries to live in | Countries with the Lowest Crime rates

14 May 2019 · 597 views

The safest places to live on earth is seemingly decreasing as we know it. The global peace index has stated a few countries in the safe zone which we thought you might wanna know. Be it, you are a vivid traveler or willing to start a fresh life with your loved ones, knowing the safest countries on earth to live in is a good start. Let us look at the safest places to live in this world. Peace on earth is seemingly diminishing over the years. As the technology has been developing and taking a new form of existence among us, the crime rate has unpredictable increased in the last few decades. Terrorism, brutal murders, corrupt governments take a toll on the world peace pushing most of the countries out of the safe zone. The safest places to live on earth is seemingly decreasing as we know it. The global peace index has stated few countries in the safe zone which we thought you might wanna know. Be it, you are a vivid traveller or willing to start a fresh life with your loved ones, knowing the safest countries on earth to live in is a good start. Let us look at the safest places to live in this world, Ireland It isn't a country or a state, it is an island which is beautiful in all the senses and ranked safer than last year by the GPI. The amazing nature that glistens the tourists is absolutely a blessing for all of us. Put this wonderful land also known as emerald isle in your travel list as it's also one of the most safest places on the earth. The high political stability and enhanced governance of the island has led to a peaceful atmosphere that is thoroughly enjoyed by the citizens. Japan This highly populated country is one of the best safest places to live in the world. The technological development has panned out quite well for the country as they keep moving forward in the global ranks of business and gotten a better rank with the GPI this year. It a win-win for Japan. The financial stability of the country is untouchable as the people keep creating and innovating. Their safety and security provided by their Government has been one of the main reasons for lower number of homicides and less access to weaponry. Canada Canada as we know it is the friendliest countries of all time. In Fact they have been sarcastically budges about being too friendly and apologetic among other countries. This information lets us know that it is also the safest place to live in. Toronto is considered to be the friendliest states of the country. Be sure to visit the most safest states of the world. Denmark Denmark is supposed to be the happiest country in the world. It has gained its name over the years by performing really well with low crime rates and lesser number of homicides and terrorism in the Global peace index which also makes it the safest country to live in. The main reason for this country to be called the happiest is because they have a stable and upholding government providing their citizens with high quality education and healthcare. Have you visited any of these countries? which country are you planning to visit next? Let us know in the comment section below. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Should You Spend With Debit Or Credit Card- Difference between Debit and Credit cards

14 May 2019 · 183 views

Both credit and debit cards eliminate the need for cash and can be used to make convenient payments- be it for shopping, settling bills, transferring funds, etc. Let’s take a quick look at both modes of payment with the sole objective of figuring out which one, at the end of the day, brings the greatest advantage to the user. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

5 secrets nobody told you about home equity loans | Things to know before taking Home equity loans

13 May 2019 · 982 views

A Home equity loan is where you bet a part or the whole of your house property in return for money from the bank which is usually a bulk amount. Basically, your property is being set as collateral, in case of failed payments, the collateral is subject to the bank as default. This type of loan is called the secondary mortgage, as the primary mortgage, it is also secured by the property. The video explains secrets nobody told you about home equity loans. For more interesting videos and articles, visithttps://www.globalbankingandfinance.com

Passive Income Ideas- 5 ways to build Passive Income

10 May 2019 · 156 views

Passive income ensures you a secure future with no financial degradation whatsoever. Several payment ideas circulate the internet but choosing wisely helps in multiplying the wealth quickly. This video explains 5 ways to build passive income. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to become an Investment Banker? | What do Investment Bankers Do?

10 May 2019 · 401 views

An investment banker is the one who helps clients( such as, corporations or government) with three things mainly: Mergers and acquisitions which involves buying and selling of companies or assets, Equity Capital Markets in order to raise the capital of the organisation and undertake the underwriting deals and lastly Debt Capital Markets which includes raising capital through debt by issuing bonds and other forms of debt financing. This video talks about how one can become an Investment banker. For more interesting videos and articles, visithttps://www.globalbankingandfinance.com

Top 10 Mistakes Small Businesses Make - How To Avoid Them

9 May 2019 · 135 views

Fifty percent of the small-scale businesses fail within the first five years of their journey. This statistic gives a clear notion of the perilous nature of small businesses. Here are the ten most common mistakes of small businesses. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

what is rent-to-own? - Advantages and disadvantages of rent-to-own

9 May 2019 · 747 views

In the event you find buying a new home unaffordable because of its exorbitant cost, you may alternatively scout out a seller who offers you a rent-to-own mortgage proposal. This unique form of a contract permits you to utilize a portion of your lease payment as a remittance towards the purchase of the house. Does this concept sound interesting? Here we list some of the advantages and disadvantages that you should know before opting for a rent-to-own mortgage contract. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to sell your art on Etsy | Sell your art and make money

9 May 2019 · 841 views

If you are keen on selling your vintage or homemade products like art, jewellery, clothes, leather goods, Etsy is a great marketplace to do it. It is one of the most popular brands in e-commerce like eBay and Amazon and has a loyal buyer and seller base. Moreover, it is for people who are trying to get started in business and solves a lot of start-up challenges, and it is also an accessible platform to work on. Watch the video to check if Etsy an excellent platform for you. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

What is inheritance tax? | Facts you should know about Inheritance tax

7 May 2019 · 144 views

You never know when you take your last breath. In that case, it is important that you save something and leave some sufficient resources for the loved ones left behind when you’re no more. People, however, save a lot of amount for their spouses and children but then the lack of knowledge about the inheritance tax make their family pay after their death. The video states facts that necessarily need to be known to you so that you make your family know about the same clearly. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

How to become a Notary- Get paid for your signature by becoming a notary

3 May 2019 · 256 views

Are you taking a mortgage on your home? Do you need a power of attorney document to manage the affairs of aging parents? Require a witness when signing an important business contract? In each case, one would need the service of a Notary. This video talks about how one can become a notary and shares tips for setting up as a Notary Public. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Global Banking & Finance Award Winner - People's Bank

17 Apr 2019 · 188 views

Exclusive interview with Mr.N.Vasantha Kumar, Chief Executive Officer/General Manager, People’s Bank

How to sell clothes online - Best Ways to Sell Clothes Online - Make money by selling clothes online

12 Apr 2019 · 3.4k views

https://www.elearningclasses.com is the educational arm of Global Banking & Finance Review. Learn unlimited skills from Unlimited Courses only at $66 per month. The advent of smartphones, better logistics and seamless integration of payment gateways online have given a boom to the fashion industry and it has grown tremendously in the past few years. If you are looking to sell clothes online, it is the best time to do it. This video talks about websites available online where you can sell your clothes and tips before selling them. For more interesting videos and articles, visit https://www.globalbankingandfinance.com

Global Banking & Finance Awards 2018 Winner – Noor Takaful

18 Dec 2018 · 250 views

Exclusive interview with Mr. Phil Ashkuri, Chief Distribution Officer, Noor Takaful

Global Banking & Finance Awards 2018 Winner – The Thai Credit Retail Bank Public Company Limited

18 Dec 2018 · 354 views

Feature interview with Mr. Winyou Chaiyawan, Chief Executive Officer of The Thai Credit Retail Bank Public Company Limited in London.

Buy or Build IT?

5 Dec 2018 · 93 views

Shiran Weitzman, Co-Founder and CEO of Shield FC discusses whether financial institutions should buy or build IT systems

Thai Credit Retail Bank

29 Oct 2018 · 308 views

Global Banking & Finance Awards 2018 Winner - UNIFIN

12 Sept 2018 · 5k views

Exclusive interview with Mr. Sergio Camacho, Director General of Administration & Finance at UNIFIN

Investing in the KSA with MEFIC Capital

17 Aug 2018 · 5k views

Mr. Shahid Motan, Head of Asset Management at MEFIC Capital the current investment opportunities, new product offering and the companies’ strategy for continued growth. Mohammed Al Nahash, Head of Portfolio Management at MEFIC Capital shares with us the investment process at MEFIC Capital, the MEFIC Local Equity Fund and the strong performance of the MEFIC SAR Murabaha Fund.

Making Banking Personal

26 Jun 2018 · 5.4k views

With 61 years of service, International Bank of Qatar (Ibq), is one of the first banks to offer personal banking services to the families in Qatar. Mr. Chaouki Daher, General Manager & Head of Private Banking at ibq discusses current banking trends taking place ,the banks success and how they continue to make banking personal.

Guaranteeing Growth in Africa

31 May 2018 · 4.7k views

Mr. Jules Ngankam, Deputy Chief Executive Officer & Chief Financial Officer of African Guarantee Fund (AGF) discusses how AGF is supporting development in Africa and the important role of SME's.

Worldwide Social Responsibility

31 May 2018 · 5.6k views

Anjuli Pandit, Head of UK Corporate Sustainability, BNP Paribas discusses the 2020 business development plan and BNP Paribas Group strong commitment to corporate social responsibility.

Niche Reinsurance

15 May 2018 · 4.4k views

Global Banking & Finance Review interview Gerardo Garcia, CEO of BARENTS RE to discuss the niche reinsurance market and the current challenges facing the reinsurance sector.

The importance of Forex training and education

4 May 2018 · 5.2k views

Adam Truelove the Global Trading Floor Director at Learn to Trade discusses the importance of Forex education and training.

Main Drivers in the Forex Market

4 May 2018 · 4.9k views

Elizabeth Belugina, Head of FBS Analytics discusses the main drivers in the Forex this year, cryptocurrencies and what traders can be on the lookout for from FBS.

Insurance development and support in Myanmar

13 Apr 2018 · 5.3k views

Global Banking & Finance Review discuss the development of the insurance market in Myanmar and how AYA Myanmar Insurance is helping lead the way with AYA Myanmar Managing Director Mr. Myo Min Thu and the head of business development, Mr. Kyaw Myo Win.

Feature Interview with Fullerton Markets

17 Jan 2018 · 5.2k views

Feature interview with Mario Singh, CEO, Fullerton Markets and Eugene Paik, General Manager, Fullerton Markets.

Global Banking & Finance Awards - Feature Interview with Mr. Winyou Chaiyawan

14 Dec 2017 · 4.8k views

Global Banking & Finance Awards . Feature interview with Mr. Winyou Chaiyawan, Chief Executive Officer of The Thai Credit Retail Bank Public Company Limited in London.

Cross-Border Fund Distribution with ACOLIN AG

13 Dec 2017 · 4.7k views

Viktor Fischer, Deputy CEO, ACOLIN AG talks to Global Banking & Finance Review about the companies fund distribution network and their success.

Global Banking & Finance Awards - interview Dr. ​Rui Vicente, CEO, Dixtior Consulting, Lda.

7 Nov 2017 · 5.3k views

Global Banking & Finance Awards - interview Dr. ​Rui Vicente, CEO, Dixtior Consulting, Lda.

Consumer Financing in China

6 Nov 2017 · 4.4k views

Mr. Mel Carvil​, ​Member of the Board of Directors, Home Credit B.V.​ discusses consumer financing in China.

Banking in Vietnam

5 Oct 2017 · 5.7k views

Global Banking & Finance Review met with Ms. Pham Thi Hien, Deputy General Director of An Binh Commercial Joint Stock Bank (ABBANK) to discuss the banking sector in Vietnam and the bank's continued success as they celebrate 24 years in operation.

STP Trading with Salma Markets

5 Oct 2017 · 4.9k views

Global Banking & Finance Review spoke with Ann Le Mai, CTO, Salma Markets about the company’s success and the advantages of trading with a STP Broker.

Redefining Client Portfolio Management

5 Oct 2017 · 5.7k views

Global Banking & Finance Review spoke with Mr. Matjaz Zadravec, CEO and Managing Partner Royal Vision Capital Limited about the creation of Royal Vision Group, their Intelligent Fund and the way the group is redefining client portfolio management.

Payment Solutions in Asia with AsiaPay

5 Oct 2017 · 6k views

Global Banking & Finance Review interviewed Mr. Joseph Chan, CEO of AsiaPay to find out more about AsiaPay and the challenges and opportunities facing the payment industry. Kind Regards,

Celebrating 50 years of Successful Business

11 May 2017 · 3.9k views

Global Banking & Finance Review interview Sunshine Holding, Group Managing Director, Mr. Vish Govindasamy

Islamic Banking in the UAE

11 May 2017 · 4.4k views

Global Banking & Finance Review spoke with Maryam Al Shorafa, VP - Head Of Corporate Communication & Marketing at Ajman Bank about the challenges and opportunities facing Islamic Banking in the UAE.

aafaq Islamic Finance

11 May 2017 · 5.6k views

Global Banking & Finance Review interview Mr. Mujtaba Naseem, Deputy CEO of aafaq to discuss their significant growth, the work they do in Dubai and the GCC, and the new products and services they are launching.

The Investment Landscape in Hong Kong

11 May 2017 · 4.2k views

Global Banking & Finance Review interview Hing S. Tang, Ph.D, CFA, Managing Director, Head of Quantitative Strategy Business Unit at BOCI-Prudential Asset Management to discuss the investment landscape in Hong Kong and their award winning success.

Trading with GDMFX

9 Jan 2017 · 4.2k views

Global Banking & Finance Review interview Kiril Tsenkov, Deputy Development Director, GDMFX to find out about the work they have been doing in the Forex market. Established to provide online and offline trading services to retail and institutional clients from around the world, GDMFX is an international financial brokerage registered in New Zealand and a member of the New Zealand Financial Dispute Resolution Scheme.

Trading in Asia

4 Jan 2017 · 4.1k views

Global Banking & Finance Review interview Dav Liew, Chief of Strategic Marketing in Asia for Starfish FX and Steve Hansen, Chief Operating Officer for Starfish FX to discuss the company’s success and trading in Asia.

Creating the Financial Bridge

7 Dec 2016 · 269 views

Global Banking & Finance Review interview Tony Sacre, CEO of the Sydney Stock Exchange and George Wang, Deputy Chairman of the Sydney Stock Exchange (SSX) to discuss the innovative services offered by the exchange and the way the SSX is creating a financial bridge to connect the Australian Capital Markets to the Asia Capital Markets.

SME Financing in Mexico

29 Nov 2016 · 4.2k views

Mr. Rafael Moreno Valle, Chairman & CEO of Progresemos met with Global Banking & Finance Review at the London Stock Exchange studios to discuss the financing needs of SME’s in Mexico.

Leasing in Mexico

13 Oct 2016 · 4.3k views

Mr. Rodrigo Lebois, Founder and President of UNIFIN met with Global Banking & Finance Review at the London Stock Exchange studios to discuss the leasing in Mexico and the history and success of UNIFIN FINANCIERA SAB de CV SOFOM ENR (UNIFIN)

Banking in Egypt with Arab African International Bank

10 Aug 2016 · 4.4k views

Global Banking & Finance Review discuss banking in Egypt with Mr Hassan Abdalla, CEO and Vice Chairman of the Arab African International Bank (AAIB)

Banking Innovation in Vietnam

10 Aug 2016 · 5k views

Global Banking & Finance Review discuss banking in innovation in Vietnam with Ms. Le Thi My Dung, Deputy, Head of Consumer Banking and Head of Bank Card Center at ASIA COMMERCIAL BANK

Retail Banking in Vietnam with ABBANK with Subtitles

1 Aug 2016 · 3.9k views

Global Banking & Finance Review interviewed Mr. Bui Trung Kien, Deputy General Director of An Binh Commercial Joint Stock Bank (ABBANK) about retail banking in Vietnam, the banks success and the significant growth of their retail division over the last few years.

Trading in South East Asia

1 Aug 2016 · 4.5k views

Global Banking & Finance Review interview Melvin Tan, Group Chief Executive Officer, Tradesto and Samuel Law , Executive Director, Global Head of Risk Management, Tradesto to discuss trading in South East Asia and Tradesto.

Banking in the Philippines

1 Aug 2016 · 7.3k views

On June 21, 2016 in London, former President and CEO, Gilda E. Pico together with the Philippines UK Ambassador Evan Garcia, received the awards Best Agri Business Bank Philippine s 2016 and Best CSR Bank Philippines 2016 from Global Banking and Finance at the London Stock Exchange TV studios and told us more about the LANDBANK success story.

Retail Banking in Vietnam with ABBANK

1 Aug 2016 · 4.3k views

Global Banking & Finance Review interviewed Mr. Bui Trung Kien, Deputy General Director of An Binh Commercial Joint Stock Bank (ABBANK) about retail banking in Vietnam, the banks success and the significant growth of their retail division over the last few years.

The Pension Fund Industry in Mozambique

14 Jun 2016 · 4.2k views

Global Banking & Finance Review interview Aldo Tembe, Managing Director of Moçambique Previdente SGFP, S.A. to find out about the pension fund industry in Mozambique and Moçambique Previdente SGFP, S.A. and. Moçambique Previdente was the 2014 award winner for Best New Pension Fund Management Company Mozambique. Visit Moçambique Previdente

Global Banking and Finance Review

14 Jun 2016 · 445 views

With our specialization we go beyond banking services

14 Jun 2016 · 3.8k views

Global Banking & Finance Review interview with Dr. Gerardo Salazar Viezca, Chief Executive Officer of Banco Interacciones (Grupo Financiero Interacciones).

Investing in Latin America

14 Jun 2016 · 4k views

Global Banking & Finance Review’s Phil Fothergill met in London with Mr. Emilio Ilac, CEO of Puente, to discuss the investment landscape in Latin America.

Forex Trading Trends

14 Jun 2016 · 4.5k views

Global Banking & Finance Review interviewed Angela Gruzdova, Head of the affiliate network at FBS about the current trends taking place in the forex market and FBS following the award presentation for Best Customer Service Broker Asia 2016. Julia Ivanova, COO of FBS Markets Inc. accepted the prestigious award on behalf of the company.

iSur testimonios - Odebrecht Latinvest

7 Jan 2016 · 4.1k views

Social Responsibility projects around the South Interoceanic Highway

Progressive, Innovative And Transparent: Feature Interview with Noor Bank

9 Dec 2015 · 5.5k views

Global Banking & Finance Review Editor, Wanda Rich traveled to Noor Bank’s offices in Dubai in early September to speak with Hussain Al Qemzi, CEO, and Waleed Barhaji, Business Head of Consumer Finance, about the bank and its consumer finance business.

IIRSA South Highway, 10 years connecting regions

27 Oct 2015 · 543 views

www.iirsasur.com.pe

Some Gulf Corporates Could Feel The Heat On Low Oil Prices

12 Oct 2015 · 359 views

Feature interview from Standard & Poor’s CreditMatters TV discussing the findings from their recent report "Some Gulf Corporates Could Feel The Heat On Low Oil Prices"

Customer Support in Forex

8 Aug 2015 · 6.2k views

Global Banking & Finance Review interview Kiril Tsenkov, Deputy Development Director, GDMFX to find out about the work they have been doing in the Forex Market and delivering superior support to customers. GDMFX is the 2015 award winner for Best Forex Customer Service Company Asia-Pacific.

Micro Finance in Sri Lanka with Kanrich Finance

8 Aug 2015 · 6.8k views

Global Banking & Finance Review interview Sella Henadige Piyasiri, Chairman of Kanrich Finance about the work they have been doing and Micro Finance in Sri Lanka when presenting the prestigious awards for Best Micro Finance Service Provider Sri Lanka 2014 and Fastest Growing & Emerging Finance Company Sri Lanka 2014. Also present for the presentation was Kanrich Finance CEO Don Shiran Iranga Weerasinghe .

Islamic Finance in the UAE

8 Aug 2015 · 4.6k views

Global Banking & Finance Review interview the CEO of aafaq Dr. Mahmoud Abdulaal and H.H. Sheikh Faisal Bin Saud Al Qassimi the Managing Director of aafaq about the work they have been doing and their significant growth and huge success with 101% profit when presenting the prestigious awards for Best Financial Statements Presentation UAE 2014, Best Customer Service Provider to Government and Non- Government Sector Middle East 2015, Fastest growing Islamic finance company UAE 2015.

Trading in Asia and the Middle East

24 Jun 2015 · 6.1k views

Global Banking & Finance Review interviewed one of the leading FBS experts, Alena Ignateva, Public Relations Manager when presenting to FBS Markets Inc. the prestigious awards in “Best ECN broker Asia 2015” and “Best ECN broker in the Middle East 2015”

Supporting SMEs in Ghana

3 Jun 2015 · 4.6k views

Global Banking & Finance Review interview Philip Oti-Mensah, Managing Director at Union Savings & Loans to discuss the needs of SMEs in Ghana and to find out more about Union Savings & Loans operations.

Global Banking & Finance Awards - interview Ms. Foluke Aboderin, Executive Director at Ecobank

20 Apr 2015 · 6.8k views

Global Banking & Finance Review interview Ms. Foluke Aboderin, Executive Director at Ecobank Nigeria Limited to discuss the future of banking in Africa and to find out more Ecobank Nigeria Limited and their corporate banking solutions which has led to their award winning success. Ecobank Nigeria Limited is the Global Banking & Finance Review 2015 winner for Best Corporate Bank in Nigeria.

United Amara Bank Myanmar

15 Apr 2015 · 7.2k views

United Amara Bank was first established in Myanmar in 2010. As a new generation bank, they are one of the fastest growing institutions in Myanmar with a focus on safe and secure banking and cultivating a passion for their customers.

The Pension Fund Industry in Mozambique

20 Mar 2015 · 4.9k views

Global Banking & Finance Review interview Aldo Tembe, Managing Director of Moçambique Previdente SGFP, S.A. to find out about the pension fund industry in Mozambique and Moçambique Previdente SGFP, S.A. and. Moçambique Previdente was the 2014 award winner for Best New Pension Fund Management Company Mozambique. Visit Moçambique Previdente

FEATURE INTERVIEW WITH BATELCO GROUP GENERAL MANAGER CORPORATE AFFAIRS AHMED AL JANAHI

28 Jan 2015 · 5.8k views

Global Banking & Finance Review interview Batelco Group General Manager Corporate Affairs Ahmed Al Janahi to find out more about Batelco Group, the telecommunications industry in Bahrain and their commitment to corporate governance.

TẠP CHÍ NGÂN HÀNG VÀ TÀI CHÍNH TOÀN CẦU PHỎNG VẤN LIENVIETPOSTBANK

26 Jan 2015 · 5.9k views

Wanda Rich, biên tập viên tạp chí Ngân hàng và Tài chính toàn cầu đã đến Hà Nội và có cuộc phỏng vấn với ông Phạm Hải Âu, Phó Tổng Giám đốc LienVietPostBank để tìm hiểu về bí quyết thành công của Ngân hàng. LienVietPostBank với trụ sở tại thành phố Hậu Giang, tỉnh Hậu Giang, là ngân hàng có số lượng điểm giao dịch lớn nhất trên toàn quốc. Ngân hàng có mạng lưới liên tục được mở rộng với gần 100 Chi nhánh, Phòng giao dịch ngân hàng và quyền khai thác hơn 10.000 điểm giao dịch Bưu điện.

GLOBAL BANKING & FINANCE REVIEW INTERVIEW WITH MR. PHAM HAI AU, DEPUTY CEO OF LIENVIETPOSTBANK

26 Jan 2015 · 5.5k views

Wanda Rich, Editor of Global Banking & Finance Review travelled to Hanoi to interview Mr. Pham Hai Au, Deputy CEO of LienVietPostBank.to find out more about LienVietPostBank and their award winning success. LienVietPostBank is based in Hau Giang, and provides banking products and services through its own transaction points across 42 cities and provinces in Vietnam.

ISLAMIC FINANCE IN THE UAE

10 Dec 2014 · 4.4k views

Global Banking & Finance Review interview the CEO of aafaq Dr. Mahmoud Abdulaal and H.H. Sheikh Faisal Bin Saud Al Qassimi the Managing Director of aafaq to find out more about aafaq and to discuss the advantages and challenges of Islamic finance. aafaq are the 2014 award winners for Fastest Growing Islamic Finance Company UAE 2014, Best Customer Service Provider to Government Sector UAE 2014, and Best Customer Service Provider to Non-Government Sector UAE 2014.

REMOTE WORKING AND THE FINANCIAL IMPLICATIONS ASSOCIATED WITH DATA LOSS

10 Dec 2014 · 400 views

Global Banking & Finance Review interview Nick Banks, VP EMEA and APAC of Imation's IronKey Solutions to discuss recent research on remote and flexible workers. We take a look at how organisations can address the huge challenge of providing secure access to corporate networks and data for employees on the move, and how to avoid the financial implications associated with data loss.

NTT Com Security Global Study

10 Dec 2014 · 514 views

Global Banking & Finance Review interview Garry Sidaway, SVP Security Strategy at NTT Com Security to discuss key findings and the relevance for businesses from the company’s global Risk:Value index report, which looks at the level of risk within large organisations and the value that senior executives place on data security.

Commodity Trade Finance in Geneva

9 Dec 2014 · 9.2k views

Global Banking & Finance Review interview Dimitri Rusca CEO and found partner of SCCF winner of the 2014 award for Best Commodities Trade Finance Provider Switzerland. SCCF is a Commodity Trade Finance House, established in Geneva since 2004. They specialize in sourcing short term financing for the trading, production, processing, tolling, transportation and distribution of essential commodities throughout the world.

Asset Management in Sweden

3 Nov 2014 · 5.8k views

SEB Asset Management (Sweden) the 2014 award winner for Best Asset Manager. Global Banking & Finance Review interview Peter Branner CEO of SEB Investment Management AB and Moritz Wendt, Head of Institutional Clients to find out more about their award winning success, investment solutions and the current investment landscape.

TIP YOUR KID CAMPAIGN- INVESTBANK

3 Nov 2014 · 257 views

Saving for your kid has never been easier.

Global Banking & Finance Review Interview Gülsevin Yılmaz, CEO, Yapi Kredi Yatirim

2 Jul 2014 · 6.9k views

Global Banking & Finance Review interview Gülsevin Yılmaz, CEO, Yapi Kredi Yatirim to find out more about Yapi Kredi Yatirim, their award winning success and the Turkish capital market. Yapi Kredi Yatirim is a leading brokerage house in Turkey dedicated to creating value for clients with tailor made products.

Supporting SMEs

24 Jun 2014 · 4k views

Massimo Falcioni, CEO of Euler Hermes GCC explains how Euler Hermes recently launched 3.0 strategy is helping support SMEs.

A LOOK AT THE YEAR AHEAD FOR EULER HERMES GCC

24 Jun 2014 · 4.5k views

Global Banking & Finance Review get an in-depth look at the year ahead for Euler Hermes GCC from Massimo Falcioni, CEO of Euler Hermes GCC

HELPING SME CLIENTS MANAGE RISK AND COMPETE IN THE LOCAL, REGIONAL AND GLOBAL MARKET

24 Jun 2014 · 4k views

In this Global Banking & Finance Review interview session Massimo Falcioni, CEO of Euler Hermes GCC explains how Euler Hermes helps SME clients manage risk and compete in the local, regional and global market.

EULER HERMES SUCCESS IN THE GCC

24 Jun 2014 · 4.1k views

Global Banking & Finance Review interview Massimo Falcioni, CEO of Euler Hermes GCC who provides insight into the success Euler Hermes GCC has experienced the last two years.

GLOBAL BANKING & FINANCE REVIEW INTERVIEW MASSIMO FALCIONI, CEO, EULER HERMES GCC

16 Jun 2014 · 5.7k views

Global Banking & Finance Review interview Massimo Falcioni, CEO, Euler Hermes GCC to find out more about Euler Hermes and their award winning success. Euler Hermes is the global leader in trade credit insurance and a recognized specialist in the areas of bonding, guarantees and collections.

New York Open Your Heart to the Children Benefit

12 Feb 2014 · 202 views

The 16th Annual HFC New York Open Your Heart to the Children Benefit will bring together 1,000 hedge fund executives to raise funds to help prevent and treat child abuse in New York, New Jersey and Connecticut. The Hedge Fund Industry's premier charity gala will be held on March 6, 2014 at Cipriani 42nd Street in the heart of Manhattan. -Created by Hedge Fund PR.

"Number one. Just like you"

6 Feb 2014 · 241 views

Bank founders show behind-the-scene footage of life at Saxo Bank

Global Banking And Finance Review Awards www.globalbankingandfinance.com

1 Nov 2013 · 25k views

The Global Banking and Finance Review Awards (http://www.globalbankingandfinance.com/about-the-awards/ ) were created in 2011 to recognize banks and companies of all sizes that are prominent in particular areas of expertise and excellence within the global financial community. The banking and finance awards are known throughout the financial world. They reflect the innovation, achievement, strategy, progressive and inspirational changes taking place within the financial sector. The Awards have evolved and grown to include those in Foreign Exchange Awards or Forex Awards, Banking Awards, Insurance Awards, Hedge Fund Awards, Pension Fund Awards, Compliance, Corporate Governance, Wealth Management Awards, Islamic Finance Awards, Exchange Traded Funds, Project Finance, Binary Options, Technology, Corporate Social Responsibility, and other relative areas. The entire awards process is free of charge. This includes Nomination, Selection and announcement under the Award Winners section. Award nominations in the various Awards categories are received from our readership and from individual companies themselves through written submissions or by way of our on-line nomination form throughout the calendar year. The Awards are open to companies of all sizes thus offering a comprehensive and competitive view of the financial markets that exist across the globe.Companies are not restricted to participate only in pre-selected subcategories thus permitting niche areas to be identified and the achievements of nominees in those areas to be acknowledged. Awards are presented on an ongoing basis throughout the year for those countries,regions and sectors from which nominations have been received. For further information please visit http://www.globalbankingandfinance.com

UK context behind Xero's decision to raise US$150M - Gary Turner

27 Oct 2013 · 39 views

Gary Turner talks about the context behind the announcement that Xero has raised US$150 million from Matrix Capital Management, Peter Thiel's Valar Ventures and a range of other investors.

Interview with Xero CEO Rod Drury

27 Oct 2013 · 197 views

Rod Drury talks about the excitement and opportunities following the announcement that Xero has raised US$150 million from Matrix Capital Management, Peter Thiel's Valar Ventures and a range of other investors.

ISLAMIC FINANCE - CONSERVATIVE, SAFE AND GROWING DRAMATICALLY, ACCORDING TO DR KAMAL MUNIR

12 Oct 2013 · 309 views

The Islamic finance industry is emerging as a crucial component of the future global financial architecture. Cambridge Judge Business School Executive Education is launching a new programme focused on the sector. Here Dr Kamal Munir who leads the programme discusses the significance of Islamic Finance in the global economy.

Global Banking And Finance Review : Security And The Cloud : Interview with Tom Salkield

10 Oct 2013 · 391 views

SECURITY AND THE CLOUD Global Banking & Finance Review ( http://www.globalbankingandfinance.com ) Interview with Tom Salkield, NTT Com Security discusses recent research conducted by WideAngle. They surveyed 700 companies worldwide about their state of cloud adoption and defined five cloud 'personas' - from 'controller' to 'embracer' - depending on the companies' attitudes to the cloud. The report highlights how a company's choice of cloud as a delivery mechanism changes when different factors, including cost and security, are taken into consideration -- potentially delaying or driving deployment.

Global Banking And Finance Review : Overview of the Financial Markets : GlobalBankingAndFinance.com

20 Sept 2013 · 215k views

This is a motivational / Inspirational video from Global Banking & Finance Review (http://www.globalbankingandfinance.com ) Global Banking & Finance Review is a prominent online Portal providing informative and independent coverage on banking and finance. Our experienced contributors provide this quality and in-depth insight in a clear and concise way, offering leading players and key figures with up-to-date information on the finance sector. Read in over 200 different countries, our readership includes CEO's, CFO'S and Senior Decision makers within Fortune 500 companies, Major Banks, Financial Institutions, Central Bank, and Individuals interested in financial markets and news. On an annual basis, the online portal of The content is what keeps bringing readers back day after day. Global Banking and Finance Review provide in-depth cross market coverage in a convenient online format. Dedicated to providing quality content our publication provides useful information for readers, from the various categories within Banking, Foreign Exchange, Brokerage, Funds, Islamic Finance, Wealth Management, Corporate Governance, Project Finance, Merger and Acquisitions, Tax and Accounting, Inward Investment, Technology, CSR Activities and Business Solutions. We offer exclusive interviews with important people from the financial world, such as Sales-Directors, CEOs, brokers and many others. Our website is user-friendly and available free of charge online. To further meet the demands or our readers, we have provided an app for Android platform and an app for I Pad/I Phone and is available on the Itunes store. Just like our online website the application is available for free on the Google Play store. Our application is rated 5 stars and can be used by Android versions 2.1 and up. This optimized application allows readers to enjoy the most current financial and banking news, no matter where they are located in a fast and user-friendly mode. Various website management and monitoring websites have consistently ranked Global Banking & Finance Review to be among the safest websites on the internet, with no reported instances of malicious activity on any count. Webutation gives the website a score of 100/100, which is the highest achievable score on their rating scale. It has been certified safe to visit by Google Safebrowsing, so there is no fear of your computer catching malicious content when you visit the website. Globalbankingandfinance.com has an estimated domain name value of over $500,000 (according to worthofweb.com, calculating the worth of websites based on the visitors, authority of articles and various other factors), Global Banking & Finance Review is one of the most trusted websites to offer news and advice in the banking and finance industry. People across the globe have realized the importance and usefulness of Global Banking & Finance Review, as evident by the readership statistics of the website. A closer look at these statistics provides some interesting insights. The major portion of the readership is drawn from Europe, followed by Asia, the Americas, Africa and Oceania. When we look at it by country, the United States constitutes the major portion of the pages viewed,, followed by China, Poland, the United Kingdom and Germany. Our online presence doesn't end with our website. We deliver content via social media to over 72,000 followers on Twitter and 18,000 readers on Facebook daily. The social networking reach of the website has achieved considerable magnitude, as more and more people join the group by following and liking the Review's Twitter handle and Facebook page respectively. Once you have had an opportunity to read our articles and watch our videos, we have no doubt you will continue to visit for our unique and professional approach to covering the financial sector.There is perhaps no other website that can boast of such amazing features, including the content. We have seen our readers express immense satisfaction over the quality of content, interface of the website, regular updates, and exclusive articles that one cannot find anywhere else. While we can say with pride that the content is the best that you will find anywhere, we continue to strive towards the path of excellence. It is our constant aim to have a global outreach and to make sure no one is left devoid of the news that they are so much interested in. Our experienced contributors are highly competent and provide quality, in-depth insights and logical analysis on the topics industry insiders and layman alike want. While providing a wide range of up-to-date business and banking information, one of our main concerns is maintaining and keeping the highest standards in terms of professionalism, integrity, and veracity of information. A high priority is placed on providing articles that are well balanced, politically neutral, and independent. Concentrating on the global world of banking and finance.