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How To Build A Career In Banking Through Sbi, Rbi And Bank Of India Recruitment 2013

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For people who are willing to work hard and build a career based upon inter personal interests can feel elated with a better working environment that is being offered by the banking sector.

Through SBI Recruitment 2013, State Bank of India is searching for young and dynamic personalities for their clerical and officer as well as manager level operation. The bank today is more emphasizing on the individuals, who are willing to go that extra mile to achieve the desired goals of the bank. The bank is equally compensating and benefiting the professionals with incentives, rewards and remunerations. As per a recent study, there will be around two lakh job vacancies in banking sector, a major share of which may be attributed to SBI Recruitment options. There is a very high propensity of people opting for bank jobs and this trend has been positive owing to the sense of job security and benefits that a government job comes along.

A career with the RBI is more than just a job. RBI being the controller of financial and economic activities in India, a job with RBI comes with such responsibilities and repute, as well. RBI Recruitment 2013 clearly targeted towards selecting the best from the competent aspirants to work in a better profile of financial sector. It not only helps in fulfilling your satisfaction index for job, but also targets for a comprehensive development of social stature. It also helps in building your skill sets by dealing in departments of forex, government bonds, debt management, spearheading R&D for development within RBI, etc. Other rewards include establishing your self-esteem and enhancing the confidence level.

Careers in the banking sector have boomed, especially in the post liberalisation era. With the advent of commercial private sector banks, the banking system in India has witnessed a sea change in operation and market capitalization. Previously, bank recruitment saw people entering banks only at two levels, clerks or as the PO officers. However, in the new age of expanding economies revolving around the financial fulcrum of the banking sector, both public and private banking institutions offer versatile facilities for young professionals. Bank of India Recruitment 2013 have witnessed versatile change in its recruitment pattern. Now many positions for Agricultural officers, Rastrabhasa Adhikari, IT officers and Specialist Law officers are being notified by the bank for adequately qualified professionals. IBPS playing a major role in recruitment and selection of professionals in the respective disciplines of clerical jobs, officers positions as well as specialist officer posts at various levels of operation.

The opportunities of making a steady career out of bank jobs are numerous, provided you have the inclination and ability. All you need is a dedicated preparation and consistent endeavour to clarify the stringent selection measures and grab a prospective position for your own.

A Small Business Generate Sales For Major Companies

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After the current algorithm changes in Google, Yahoo and Bing in 2010, certain major search engine optimization and SEM businesses have encountered problems with getting their clients higher ranking on the local searches. On the other hand this problem opened the new doors for such companies, as they became familiar with the importance of outsourcing. While some of these companies continued to outsource theirSEOprojects on freelance marketplaces, a small company GoldenWayMedia in Trondheim, Norway helped many major SEO companies with their needs.

This small business is operated by a smart young Norwegian programmer, Maria Johnsen. With the fluency in seven languages and a smart technique of mathematical calculation, Maria Johnsen assisted many companies with their needs around the world. Maria Johnsen obtained top position for these companies keywords which generated more sales and as a result content clients. The smart technique in seo increased the number of more clients for SEO Norway at SEO and golden-way-media.com
This young Norwegian programmer was able to lift up many small businesses in countries such as: Russia, the United States of America, UK, France, Germany, Ukraine and Scandinavia. While some businesses search for SEOprogrammers in India, Romania and China.
SEO Norway Trondheim ( Golden Way Media) was able to slowly get certain small businesses around the world the top 3 positions for their keywords on Google, Yahoo and Bing and the other small search engines.

The increase of market demand in obtaining top position for the keywords on the organic search results has brought up more clients for golden-way-media.com and maria-johnsen.com

While many Scandinavian SEO and SEM companies were concentrated on outsourcing to India, Romania and China; some businesses in USA, UK, Ireland, France, Ukraine, Denmark, Sweden, Norway and Germany submitted their search engine optimization projects to Maria Johnsen.

According to our sources this young programmer, apply certain algorithm calculations that obtain the better visibility and top three position for the keywords on the search engines. The inexpensive pricing that Golden-way-media.com offers is another positive fact about SEO Norway

Although obtaining the top position for certain keywords are complex for some companies, certain companies such as SEO Norway on golden-way-media.com found it interesting and enjoyable to fulfil. I love to put smile on my clients face and see their businesses growing. Cost effectiveness is the most important factor for small businesses and my mission is to help them to increase their product visibility and as a result sales says Maria Johnsen

If you wish to market your product, you may wish to submit your project on golden-way-media.com You can also outsource your project on Globfreelance.com

Link building
Need Market for Your Product? Visit here

Get Quotes Online Car Insurance Save Time And Money – Houston Auto Accident Lawyer

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Houston auto accident lawyer it is surprising to see the sheer number of online insurance companies. Which are all eager to help you get auto insurance quotes online. Search the internet for your car insurance policy will net you page after page of the site. Houston auto accident lawyer each of which is designed to provide auto insurance quotes online almost immediately. But is it safe to provide your personal information to the insurance company online? normally. Car insurance quotes online is very broad and basic. Houston auto accident lawyer the site may ask you for your zip code (in order to determine what state you live in. And the minimum liability coverage is needed there). And little else. Houston auto accident lawyer later, when it comes time to actually purchase a policy online.

There will be many more questions. The final cost of your auto insurance will be based on many factors. Houston auto accident lawyer not considered in your original auto insurance quote online. For example, it is that you have a car. Drive – in a fast sports car or mini-van. Houston auto accident lawyer the value of your car – is just out there to be 15 years old you have your driver recordhow areyour credit rating – people who make their payments are less likely to get many miles you drive every monthwhere traffic violationshow liveafter you buy your car insurance quotes online. But before actually buying the insurance policy and to present information such as your driver’s license and social security number. It’s a good idea to check with your agency. Houston auto accident lawyer

One way to find out that the agency is safe is to look for and find the logo of verisign. Which tells you that the company you are dealing with has taken steps to protect your personal information from hackers. You may also feel more secure dealing with a company well known for these reasons and as all goes well. The insurance giant allstate. Progressive and national also offer consistently low prices. Remember, however, that the intense competition between the institutions these days. New companies are willing to cut prices to win your business. houston auto accident lawyer insurance is the buyer’s market. Getting auto quotes online is safe and easy way to shop for insurance. With a few clicks of your computer. You can find and compare rates from many companies and satisfy yourself that you are getting the most of your money safe.

houston auto accident lawyer what has never been easier to get car insurance quotes online, especially the incredible resources out there, such as car – insurance – quotes – today. It should not be a chore for many, free car insurance quotes new simplified sites, several car insurance quotes allowing you to receive phone calls without the hassle of having to deal with constant phone calls since the.

Select what’s best and trade properly

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The most effective way of making that fortune, which will let you live the life of your dreams, is what is being searched for in the question -Where to begin?- and your reply lies in your choice of the most suitable brokers. However, what are the very best foreign exchange brokers in forex broker reviews?

Merely trying each broker out there is a dangerous task. It is not easy to determine who’s up to scratch and who isn’t. Sadly, most brokers break their promises. Nonetheless, the arduous task of selecting the best broker is no longer your job because the Investment Advisory Site has taken the burden from your shoulders by means of forex broker reviews.

From the first to the third, the best brokers according to the forex broker reviews of the Investment Advisory Site are as follows: Easy-Forex, Forex Yard Trading and Pip-forex.

If you’d like a broker that provides incredible customer assistance and a few other really wonderful features, e.g., private account management, unique one-on-one coaching, and rate freezing, then go with Easy Forex, the broker that received the Best Broker Award. Easy Forex is good for those with low trading funds since they only require a minimum deposit of $200. “When I tried this platform I was fairly stunned, firstly they offer an especially low $200 minimum deposit when many other platforms will ask for a minimum of at least ten times this amount,- a reviewer said.

Meanwhile another broker that has probably the most professionally introduced platforms accessible anywhere is the Forex Yard Trading. Being the second best broker, Forex Yard Trading provides mini-accounts with only a one hundred dollar deposit, a free practice account, and a Top Class Pro Account. Forex Yard have set themselves to be one of the leading foreign exchange platforms on the Web. “When I tried this I have to say I was impressed, they provide remarkable 24/7 assistance and the software is based online so you’ll have the opportunity to trade from any PC anywhere in the world. So regardless of where you might be or what you might be doing, you’ll have the chance to you check your trade status and avoid missing out on any potentially highly lucrative trades,- the reviewer said.

Conversely, the third on the list of brokers is the one which values the traders who seek simplicity. This one is for individuals who are in search of a no-frills choice to trading and are ready to deposit only a minimum amount of $200. In contrast to most foreign exchange brokers which are more inclined toward large enterprise customers who have thousands to trade, Pip Forex is a breath of fresh air that gives a simple-to-use platform based mostly on the needs of a trading beginner, provides free guides on trading forex, gives a free practicum account, and many others.

Thirsty for other details about forex broker reviews? Please click on this link: forex broker reviews

Commercial And Consumer Micro Small Ticket Banking And Leasing Is Accessible To Dealers And Vendors Clients.

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Commercial and consumer micro small ticket lending and leasing is offered to dealers and vendors customers. In this economy, consummating sales is difficult enough and this available financing could be a deal maker for the dealers and vendors clients.

U.S Corporate Capital Leasing Group offers small-ticket consumer and commercial micro ticket lending and equipment leasing to all new and credit-challenged businesses of any volume to its customers through our bank network. To assist close more deals, we work with different micro ticket lenders providing our customers with a choice of banking options, including start up businesses.

U.S Corporate Capital Leasing Group concentrate on providing financial solutions for micro-ticket transactions, or equipment ranging from $500 to $25,000. The majority of other leasing companies simply wont consider Micro-ticket leasing because they are paying attention on more high-priced equipment deals

Our lenders can support more of the customers that dealers serve, and canin general approve 50% of the clients that other leasing companies cant or wont. Our banks use their own Proprietary Credit Scoring Model and Risk Adjusted Pricing unlike other leasing companies that make use of a pass / fail system. This means they can allow more credit situations, including:

Start-up businesses with no business credit history
Businesses in certain industries that are usually disqualified by other leasing companies
Businesses with challenged credit histories
Our lenders offer both consumer and commercial leases.

No Tax Returns, Financial Statements, Asset Documentation

Products that are not accepted include titled equipment, 100% software, fixtures, bankcard terminals, ATM, used copiers

For start-up restaurant lease transactions will be subject to a minimum security deposit of 5% along with one advance payment. Security deposits can either be applied towards the end of the lease or be returned at end of lease.

Our Lenders lease nationwide, including Alaska and Hawaii, however Puerto Rico and Canada is excluded.

In conclusion, these difficult economic times have put ahuge strain on the vendor, dealer and the client This program offers the vendor/dealer a way to get his client financed without all the red tape. This can generate a stimulus for sales and decrease the burden of trying to get a customer authorized for a small ticket item. For the client without the capital available to get the deal bought for cash, this also gives them a win win condition to get the deal done. These hard economic times have restricted the available financing in the marketplace but this is a excellent answer for all.

Personal Bank Loans – What To Expect from a Personal Bank Loan

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Are you in need of a personal loan to help you out with some emergency or project? Do you want to be able to go to your bank for this loan because you know the rate will be better and you already know the people there? There is much to say about personal bank loans and you need to know what to expect before you walk in and apply. Here is what you will be getting into.

First, you need to understand that your bank will be harder to get a loan from than many non conventional lenders. The bank will want you to have good credit, collateral, or a few other things. If you have a good relationship with them, a vehicle or piece of property to use as collateral, or an investment account to use as collateral, then they might be willing to give you a personal bank loan even if you do not have the best of credit.

However, you are better off if you have good creit because if you have good credit you may not even need collateral. Many banks will lend based on income and credit only and will not require any collateral for smaller loans that are under $10,000. Of course, the amount you will be able to get all depends on your income and your credit.

Second, you need to understand that if you have bad credit your chances of getting a personal loan from your bank are not very good. They will be doing you a huge favor if they even consider extending you a loan. With a good amount of collateral and a co signer you might be able to get a loan from your bank with a co signer, but that is still stretching is quite a bit.

Last, understand that if you are not able to get personal bank loans, there are still options. You can apply online for a personal loan through someone that is considered a non conventional lender. If you are really desperate and you need the money for an emergency you can always get a cash advance or payday loan without even having your credit checked.

You can get more information about Personal Bank Loans and discover everything you need to know about Online Personal Loans at:

Personal Bank Loans

How To Sustain Small Business Growth

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Many small businesses often ignore the minor glitches which cause major problems in their small businesses. There are people or situations which we often get used to and ignore, without realizing that they may be the main cause of a crisis situation. You could be strangling your small business growth without even realizing it.

Organizational growth demands updated strategies every quarter. It does not matter whether you are self-employed, running a home-based business or an employer. Leaders have to implement organizational updates every now and then in order to enhance growth strategies and speed up the entire growth process. Some hire help, while others acquire business cash advance in order to progress and expand.

We have created a list of how you can upgrade your growth strategies and take your small business to the next level. Firstly, you should

Remove the outlived
There might be services being offered and products being produced which may not be of any value to your business. You need to make a list of such services which no longer add value to your small business growth and have outlived the market demand.

Re-organize and strategize companys strategic goals
Reevaluate whether your mission statement matches your goals or not. You will know how much work being done is irrelevant to your small business needs and market demand. Redefine your objectives in pragmatic measureable terms.

Distractions and competitions among your employees is another point which should be considered. Other issues may have distracted them from your small business goals. There may be continuous concerns hampering growth among the employees and creating problems in their professional relationship and everyday work.

Create different ways to leverage employee talents
Work efficiency can only be improved by leveraging employee talent in different areas. Set meetings with them; ask them what they want to do and how they can add value to your companys goals. Help them review their skills in order to sharpen them. There might be unproductive or negative employees, but firing them may not be the solution. Hence, move them to positions and projects where their skills can be utilized effectively.

Check the Budget Lists
In many cases you subscribe, acquire business loans, purchase and hire help which may not be required by the company anymore. And all these might be charging you a lot of cash without you even realizing it. To save your working capital, these budgetary leaks should be evaluated and diminished. Conducting a quarterly review is extremely useful, knowing where your money is going will help you fight the unnecessary charges involved and will help you improve your credit score. Check your taxes and be ready for the upcoming TAX season.

Easily Build a Small Business Website with WordPress

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WordPress is one of the most essential and highly flexible content management system. It serves as one of the founder for a blog or for fully fledged small business website especially for the online marketing or ecommerce. Now it has become easy to add new pages and post to your blog with WordPress built site. It does not require any HTML, CSS or any other mind numbing acronyms.

It’s quite easy to customize the look of your website in order to make it unique. Hundreds of Plugins can be added in order to add new capabilities thereafter your site will become search-friendly. By adding All in One SEO Pack you can easily optimize each and every page/post in order to boost website in search engine ranking. So in order to build a site like this for small business website you will have to download WordPress from WordPress.org. Here the software is free this is due to its open source feature. Adding to its better features you can also avail themes and plugins in free. Here the only thing you would have to do is to pay for the web hosting that would be as low as $6 per month. Or on the other hand you can also host WordPress site on your own server.

Thereafter you will need web hosting service that supports PHP version 5.2.4 or greater along with MySQL version 5.0 or greater. In this situation Apache or Nginx is most recommended. It is most robust and full of features for running the WordPress inorder to create free wordpress site. After this work will be done without any problem. In the directory Web hosts is listed here you would have to select Bluehost, in this the service is featured in a very prominent manner, it provides unlimited disk storage, monthly data transfer and email address.

Bluehost hosting account has become quite easy with Bluehost installing WordPress. One would only have to install it by using Bluehost’s Web-based control panel and then follow the steps 2 through 6 to create wordpress site free.

Top 4 Credit Card Benefits For A Small Business

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A business credit card offers many benefits to a small business. A business credit card helps to keep business and personal expenses separate. Having a credit card solely for business use can make a lot of difference in the business finances. Many small business owners do not understand how beneficial a business credit card can be.

Establish Credit And Creditworthiness

Just as you personally want to establish credit, your business needs to establish credit. It is common for small business owners to use their personal credit for their business credit, but this can get rather tricky. When it comes to taxes and financial liability it is much better for the business owner to keep personal and business credit separate.

Easier Accounting Saves Hassles

A business credit card will help simplify accounting. There will be no need to sort through papers to figure out business form personal expenses. Using a credit card, the purchases for the business are all in the statement. These figures can be easily transferred to the books. This helps to make accounting much easier by keeping expenses streamlined.

Simplified Spending

A small business owner may find himself having to okay purchases or write out checks for purchases made by employees. With a business credit card, the owner can get additional cards for those who have spending power. This will help cut down on time wasted getting purchases approved and also save money because far less checks will have to be written. It will make the business more efficient.

Reward Possibilities

There are many credit cards that offer rewards for purchases. With a rewards card a business owner can get an additional incentive by earning things like free airline miles, gasoline and even cash back on purchases. This is something that can be very helpful to a small business. Rewards are earned through purchases, so a business is earning something for money they would have spent anyway. It is like getting double for your money.

Business credit cards are a great idea, especially for small businesses. Many small business owners do not understand just how beneficial they can be, but as you can see they offer many perks. A small business owner would be very smart to get a credit card that will make it much easier on them in the long run. They will find they save money, save time and make the business more efficient and run smoother.

Money – Solutions To Every Problem Since

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Since the Stone Age, man has always strived to search for new ways to be capable enough to satisfy his needs. As he evolved from being an ape to being one of the present Homo sapiens, his needs have always increased. As inventions grew, requirements grew and ultimately needs. As man evolved from a single man into a family his needs were no more his alone, he had his needs plus the needs of his family. This ever growing graph is still in the growing stage and will always keep growing.

In today’s world the only reason why everyone works and strives hard to earn money is just to satisfy needs which are followed by desires. Basic daily needs to be looked after are hunger, clothing and shelter, and even these become desires when one wishes to change his lifestyle and make it better.

But even in such working class of the society there are a few limitations attached. It’s not that easy to earn enough money which can fulfill and satisfy all the desires of man, and one cannot always stay with one job unless he or she is self employed. Money is not only helpful for satisfying the daily needs but it’s also the only way out in case of an emergency. It is money all the way which helps and gets one out of any trouble.

In the stressful life of each student, an actor, a doctor, finally, around the world, health problems are entertaining easy and difficult to handle. To cope with health problems like you need money to pay salaries. In addition to maintaining a healthy needs to pass on surcharges that could receive and maintain perfect health for a healthy lifestyle.

Earning money may not be that difficult for the major portion of the society, maintaining and utilizing it the right way becomes a big issue. With the ever increasing expenses it becomes tedious to keep a track of where the money is going, and if the money is being invested in the right place.

In order to keep the hard earned money safe, and make sure it’s used for the right thing people turn to many banking firms and sometimes also opt for investing. Reliance Money is one of these companies which provide various benefits related to investments and the security of the deposited money.

Everyone wants to keep his money in trust for the hands and wants the money to go down the drain. To resolve this file has been put in place that do not take your money safe, but sophisticated investment plans that are issued by companies such as Reliance Money is used for this purpose.

The Ins And Outs Of Owning A Franchise

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Many years ago it was the norm that when someone wanted to go into business for themselves it meant using one’s own instincts and depending on one’s own personal know-how and also observing the way that the market was going to move. However, things have changed and franchises have become the new way of doing things which has led to much prosperity for franchisees. Essentially, a franchise is duplication of business concept that has proven successful for the parent company and it also means that the franchisee is the owner who hires his or her own staff and looks after the day-to-day working of his franchise in which the stakes are high since the franchisee has invested his own time, money and effort in running the business.

An Already Established Concept – Another advantage to owning a franchise is that the concept has already been established and there will already be a proven track record of success. Also, the franchisee is well within his or her rights in using the trademark of the company and also its brand name which gives a license to the franchisee to market products that already has the brand recognition and which is already popular with the customers. Thus, having a franchise means tapping into a market that has already been established and is ready for more business.

When one takes a franchise, there is assured support on the part of the franchiser, and even though you may running the business on your own, there is always an extra opportunity or two available from the parent company and assistance too is always forthcoming. Since a majority of franchises are turnkey projects, it means that after signing the agreement, the franchisee gets all the equipment as well as supplies that are necessary to grow the business further, and this is something that sets franchising apart from other business concepts.

Next, when one takes a franchise there is less need for capital as compared to starting a business for yourself, and this can be attributed to the fact that you will already be getting experience and also a tried and tested system that the parent company has operated with success, and for which you do not have to spend unnecessarily such as on trial and error ideas. And, it also means getting supplies at lower costs because the parent company has already negotiated prices with suppliers and this benefit is passed onto the franchise.

Other benefits to starting a franchise includes getting wider promotional campaigns, benefits of ongoing R & D programs, having the status of a company, not taking any more risks than are necessary, and getting a set of quality standards that are unified. Thus, with all these benefits, it is easy to see why other forms of business concepts are not able to compete with franchising.

How To Become A Certified Financial Divorce Specialist

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If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Generation Z To Learn The Value Of Money

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The children of the 1980s know a thing or two about extravagant consumerism. Young enough to have absorbed a tide of youth marketing messages and not old enough to have directly suffered previous economic recessions, they learned how to spend on fashion and lifestyle wants. Enjoying an adulthood of easy credit and low unemployment, they are themselves largely unprepared for the current financial downturn.

As the recession bites, Generation X must begin to instil financial smarts in their own children, dubbed ‘Generation Z’, or simply ‘Zeds’. Recent studies have shown that this new group are substantially different than previous generations – living largely virtual lives through social networking and personal entertainment solutions which remain glued to their sides, such as iPODs and mobile telephones.

These ‘digital kids’ are highly receptive to marketing messages and lack the general antipathy and derision toward overtly persuasive communications demonstrated by Gen Y. As such, they are vulnerable to poor financial management – ‘plugged in’ 24/7 and warmly accepting of marketing approaches, these young consumers are sitting ducks for exploitation.

Recent studies into this group, such as that published by social demographer, Mark McCrindle, have been accompanied by efforts throughout the community to address this emerging issue and protect young consumers. Financial institutions throughout Australia have taken up the baton to promote financial literacy in line with Corporate Social Responsibility Initiatives (CSR) and independent organisations have begun to take more targeted steps toward education in financial management.

US financial expert Loral Langemeier, identifies a lack of positive information on financial matters as applicable to young consumers and has collaborated with Australian organisation, Money Toolkits, to develop a ‘how to’ text for parents to use as a blueprint in developing financial literacy in children.

“This generation is exposed to more marketing messages, much earlier than previous generations,” claims Nicole Clemow of Money Toolkits. “It is so important to reach them with positive messages that show not only can you manage money responsibly but you can build capital and personal wealth and create a comfortable lifestyle for yourself.”

In the book, Loral Langemeier – a respected financial expert worldwide, has outlined the lack of capacity for teachers to handle this material in schools:
“Very few are likely to be able to model and teach how to become an entrepreneur and/or how to make money work for you through investing in assets that generate income. Most of them never learnt it themselves and don’t have it on their radar as being important. They are more likely to teach what they model themselves -study hard, go to college (university) and get a secure, well paid job.”

All About The International Banking And Financial Studies Masters At Southampton

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Here is a short summary of the MSc International Banking and Financial Studies masters degree course offered by the Management School at the University of Southampton to help would-be students to decide whether it is the course for them.

This International Banking and Financial Studies masters course aims to develop students’ existing skills through advanced study in the areas of banking and finance, with a particular emphasis on the international context in which these activities occur.

The International Banking and Financial Studies masters programme gives you a coherent theoretical framework for the various subject areas, although the emphasis throughout is on the practical application of financial techniques in the modern financial services environment.

Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying the MSc International Banking and Financial Studies masters programme will introduce you to new concepts and knowledge, which can make all the difference in the job market.

At the Management School, all our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and putting theory into practice every day.

The International Banking and Financial Studies masters degree course is led by Dr. Gerhard Kling, who is a senior lecturer in Finance at the University of Southamptons Management School.

Gerhard received his PhD in Economics from the University of Tuebingen (Germany) and joined Utrecht University (The Netherlands) as Assistant Professor of Finance and Financial Markets (2004-2006).

In 2006, he went into the private sector and worked as Practice Specialist in Corporate Finance & Banking (McKinsey & Company, Germany) (2006-2007). Then he returned into academia and joined Bristol Business School (UWE, UK) as Senior Lecturer in Strategy (2007-2009).

In 2009, Gerhard was promoted to a Principal Lecturer in Strategy and Operations Management (2009-2010). On 1st October 2010 he joined the University of Southampton as a Senior Lecturer in Finance.
Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying an MSc Management masters degree, or other postgraduate option, will introduce you to new concepts and knowledge, which can make all the difference in the job market.
All our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and put theory into practice every day.

To find out more about this International Banking and Financial Studies masters degree go to www.southampton.ac.uk/management

Ultimate rewards and freebies on current bank accounts

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I was in a bank last week waiting to pay in a cheque while the 3 cashiers attended the queue of about 10 people; so 20 minutes after looking around at all the usual 0 per cent credit card offers and low rate loans, I was surprised when the cashier asked me if I had one of their ‘new’ current accounts.

‘New’ I thought; I’d only started banking with them in the last 8 months, how could I have an old current account!? “Oh yes” said the cashier, “we have new current accounts that offer travel insurance, mobile phone insurance and motor breakdown cover.” I thought I was in a Churchill car insurance advert for a minute!

“Hhmmm, ‘new’ current account,” I thought – doesn’t this mean ‘monthly fee’ current account?? I like the way the current accounts that charge you on a monthly basis have all been named dramatically like the ‘Ultimate Reward’ or ‘Gold Rewards’ ‘Advantage’, ‘Premier’ etc, etc…But that’s all I like about them to be honest.

All the benefits or ‘Rewards’ for your monthly fee seem to include ‘* Exclusions apply’ even to things like travel insurance. ‘Worldwide annual multi-trip travel insurance for you and your family’ – read the leaflet; but then a huge ‘* Exclusions apply – please refer to the terms and conditions.’ So you have to trawl through the thousands of ‘T’s & C’s’ to make sure you don’t fall into any of the exclusions! Who honestly bothers to read absolutely everything?

I would guess that the level of insurance and motor breakdown cover you’d get with a current account doesn’t compare to the level of cover you’d receive if you bought the same mobile phone insurance, travel insurance, or motor breakdown cover as separate policies. But then again I might be wrong…

In any case I’m ceratinly not going to start paying for a banking service that I can get absolutely free without all the gimmicks of ‘freebies’ – You get nothing for free and that’s certainly the case here because you’re paying a monthly fee, so how can it be free?! One day I might take the time to actually read through all the insurance cover terms to see exactly what you get for your money I bet it’s not that much!

John Hogan writes for the UK’s firstMotoring Web Site. Motoring.co.uk finds you the best deals on new cars and offers free car valuations to help you sell your old car. The unique online search functionality will help you find the best new cars, and new car deals, in the UK Today. Visit motoring for a free car valuation today!