Banking

The Privileges of Premium Banking

Premium banking or private banking goes beyond personally handling a traditional bank account. It is a holistic financial management solution offered by banks and includes banking, investment and other financial services for customers. Individual attention to customers is provided through personal banking managers who help plan their financial investments.

Most major banks provide dedicated areas for premium banking clients, which offer priority access to customers, even when it comes to telephone or online touch points. Premium banking customers also get priority service & preferential pricing on offerings like credit card applications, loans and more.

The world of premium banking customers

In broad terms, premium banking customers are generally high net worth entrepreneurs, businessmen, corporate professionals and other individuals or family run businesses. A dedicated manager creates customised financial plans depending on the customer’s risk profile and profit expectations with a range of solutions like capital protection, income products, growth funds and alternative investments.

A smart way to plan your investments

The advantages of premium banking are varied and many. Premium banking aids the customer reap the multiple benefits in helping them make financial decisions regarding their investments. Some of the benefits include:

Personal relationship manager
Dedicated premium banking desks
Dedicated teller counter to facilitate faster transactions
Preferential rates on banking services like remittances, cheque books, statements, etc.
Doorstep banking service
Invitations to exclusive lifestyle events

Premium banking in the UAE

Since premium banking caters to high net worth customers, banks look for minimum net investment in the bank, either in an account or in investments in the bank.

For example, in the UAE, a customer may need to have AED 50,000 or more in the bank’s account or financial investments or a combination of both, in order to qualify for premium banking.

In the UAE, reputed banks like RAKBANK offer different types of premium banking accounts, depending on the customer’s net worth. So before you choose the premium banking service you wish to use, it is recommended that you check the benefits and advantages of each, depending on your financial needs.

Abdul Shahid is an independent writer who likes sharing his views on the financial/Banking sector in the UAE. His area of expertise is banks in UAE, insurance, premium banking, travel insurance, banking accounts, credit cards, saving accounts, debit cards, loans, investments, mobile banking UAE and a lot more.

Money

Tips To Accumulating Great Wealth Quickly

How badly do you want to become wealthy? Many of us say that we desire wealth but few of us are willing to take the steps to achieve that status. If you have the desire and determination to accumulate wealth then you have completed the first step toward becoming truly wealthy. But what can you do in your every day life to ensure that you move towards that goal of being rich?

Keeping your dream of financial security is important to your success. This should never be underestimated. There will be times when you might be tempted to live like your friends or extended family but staying on course and remembering your goal should always be in your mind. If necessary, reminding yourself that without wealth, the final years of your life might not be so pleasant. Every penny saved and earned today is a dollar that you can enjoy later. Scare yourself into following these secrets to building wealth and you will find success sooner than you think.

Your first real step in achieving great wealth should be to live your life by spending as little money as possible. Live like a pauper, if needed. You might not know this but most wealthy people know the value of a dollar. They might spend large sums of money on one area of their life but they are actually very frugal in other parts of their life that you might not see. They might pay top dollar for a set of golf clubs yet buy they will be very tight with their money in all other areas of their life.

You can also live frugally by being aware of what you’re spending your money on. Check the unit pricing on foods. Eat more meals at home and reserve dining out to special occasions. Bring a bag lunch to work instead of spending large sums of money every week on eating out with your friends and keep track of what you spend your money on. Once you become aware of where every dollar goes you will find that you feel guilty for spending money on frivolous things. As a result, your spending goes down and you have the ability to save more money.

Avoiding debt and the interest paid on most types of debt is the next thing that you can do to curb your spending and increase your savings. Credit cards are one area that most people waste a lot of money over a year. High interest rate credit cards or revolving debt should be curtailed at all cost to reduce your yearly spending. Take a look at the amount of interest you pay in a year and imagine that money as yours. Think of that money as savings that you have been throwing away every month.

Instead of buying goods with a credit card, set up a budget and save for those items that you simply need to survive. Buying a used car for cash will often save you hundreds if not thousands of dollars. While having a credit card is always good in case of emergencies, only use it when you know that you can pay off the balance immediately. Perks and dividends that you might accumulate by using a credit card are rarely a good deal and this is why many credit card companies offer them. They know that they will make money from you in interest since most consumers might have the best intentions but they lack the discipline to pay off a credit card every month.

Expanding your earnings by working a second job or a part time job at night or on the weekends is another way that you may have thought of earning a little more money. While this is a great idea and by saving that money and investing it you can quickly achieve your goal, most people don’t think of the down side of this arrangement. Working nights and weekend will have its affect on your morale as well as your family’s morale if you are gone all the time. If you have a family, remember that they need to spend time with you.

A good compromise or a different way of making some extra money to boost your savings and investment potential would be to do small jobs that you enjoy. This phenomenon is catching on and is proving to be highly lucrative for some who hope to achieve financial independence. Maybe you have a hobby or skill that you enjoy that you could turn into a small part time business. A few hours worked at night or on the weekends can add to your bottom line and you might even enjoy this work more than you do your full time job. Offering tutoring services or resume writing services are popular small business ideas that you might want to consider or think outside the box and come up with a unique idea that is all your own.

Remember that many people say that they want to become wealthy but few are willing to endure the small discomforts and saving that is necessary to build a nest egg that you can invest. Living on less and taking the savings and leveraging that money to create more money is the only way you’re going to get ahead. You can wait for some windfall to come out of nowhere or you can take action starting today and make yourself wealthy in the near future. You might feel that retirement is many years away and tell yourself that you’ll worry about it later but life moves very quickly and before you know it you’re facing your golden years with very little in terms of retirement wealth to enjoy.

Find out more about creating true wealth when you visit http://regal-assets.positive-and-optimistic.org/ and see how the world’s richest people are investing their money these days.

Finance

Selecting A Private Money Lending Provider

Home buying can quickly turn into a process that is difficult and stressful for the consumer to sort through when needed. Many people learn that they are unable to concentrate on all that is required for making sure their investments are performed in the most viable manner possible while being reliant on borrowed funds. People involved in this phase of their efforts should be capable of deciding on a private money lending provider.

Private money funds are typically offered to consumers for personal reasons that are most often affiliated with buying a home. Consumers are focused on these providers when lacking the ability to receive approval for traditional mortgages and are still interested in buying a house. The decisions made from the numerous providers are often performed with a large amount of caution.

Consumers in most cities are offered an incredible number of options to consider. Most buyers are not aware of all that is needed when trying to determine what particulars are the most helpful in finding the best funding sources available to them. Concentrating on several ideas is actually quite helpful in making the right choice.

The reputation of any lender that is under consideration should be the most preliminary form of insight for anyone in need. Reputation is usually based on the success that has been amassed with working with former clients which can then be assumed will be offered to anyone else moving forward. Paying attention to referrals and review posts is helpful in finding the best possible solutions.

Approval requirements are also helpful to filter through when trying to make this selection. Receiving approval for funds that are necessary for making a housing purchase can be challenging to sort through when trying to actually finalize any purchase in question. The simplest requirements are helpful in finding the best solutions.

The fastest time frames for receiving funds are also quite viable to consider. Funding times are usually based on delay between receiving an approval decision and actually being offered the funds for completing the purchase. Quick approvals and immediate cash help avoid unnecessary delays.

Payments should also be considered when making this particular decision. The monthly payments for any housing decision that is made can be challenging to prepare for under any kind of budget conditions one is required to manage. Low payments that are combined with flexible terms are helpful in creating the most effective deal possible.

Tom G. Honeycutt is a full-time real estate entrepreneur in Atlanta, GA. Tom helps readers by providing practical and useful knowledge to better understand lending choices. If you are looking for Private Comercial Loan Lenders | Atlanta, GA He suggests you check out the website iFund International

Money

Blog and make money

Everybody loves to blog, if you haven’t started one yet than you need to get on it!  Blogging is all about putting your ideas in a simple article from time to time and posting them on your blog.  It’s like your own public journal, where you can share your ideas with the world.  If you don’t know what to blog about, you can pick a hobby, a field of experience, or anything you have interest it.  It’s easy and I recommend you get going on it soon, because 1. its fun and 2. you can make some money on the side!

Now how do you monetize a blog?  There are very simple ways to do this and they don’t take much time at all.

1.  Google Adsense.  Adsense is those little txt ads you see in almost every website you go to, usually with the blue link and a small description underneath.  Well, in a nutshell, you get paid for everytime someone clicks on one of those links.  This is why google adsense is a great way to monetize your blog.  Sign up for an account through google and get started putting adsense in your articles whenever you blog.  They automatically advertise to your content, so it’s as easy copy and paste.

2.  Affiliate Advertising.  This concept is just as easy, except it takes a little more thought.  Affiliate advertising is advertising you do for another company or product or service.  Usually how it works is you get paid a commission for evertime somebody buys the service or product after being redirected through your link.  You can find affiliate marketers through sites such as clickbank.com and cj.com.  Just make sure what your advertising is relative your blog article.

3.  E-books.  An ebook is electronically written book that you can turn around and sell or give it away for free online.  Put a lot of your ideas in one book, it doesn’t have to be a novel, just something simple and informative.  And sell it on your blog.  If you have a lot of people that enjoy the content of your blog, chances are they’ll try out your ebook and see what it’s all about.

Here are three simple ways to make some extra cash off of your blog, try them out and see what works for you.  If you’re interested in more ideas, check out how I make a living.

Experienced web entrepreneur who has tried almost every internet money making idea in the book and know what works.  I have started a new blog at How I Make A Living.  So if you’re interested in reading more, check it out!

Finance

Guide to a Successful Career in Finance

Careers in finance can be some of the most rewarding and challenging jobs in the country.  The field is varied, and you can find yourself working in a wide number of different areas.  From advising people about their investment options on a personal basis to working for a massive corporation, the world of finance holds countless opportunities.  No matter what type of specific job you find, building a successful career in finance takes time, motivation, dedication, and hard work.  But by applying yourself and understanding a few key factors, you will be able to set yourself on the path to a great career.

 

Like so many other jobs, careers in finance begin with a solid, quality education.  A bachelor’s degree is needed for most financial jobs, although some positions may require a bit less education.  To be truly successful in finance, you need to be sure that you select a school with a respected financial program.  Some schools are more well-known for their courses than others, and a bit of research will help you find out which ones they are.  Not only do prospective employers think more highly of certain schools, but the better ones will also provide you with much better training so that you can excel in your career.

 

With your education completed, the next step is to consider your options.  Careers in finance can cover a broad range of different areas, and planning a long term successful career involves devoting yourself to one of these areas.  While most banks and corporations require a bachelor’s degree, there may be specialized courses you’ll need to consider adding to your resume in order to get some jobs.  At any rate, settling on a specific area of finance will allow you to focus your attention and skills on it.  You may want to focus on mortgages and other types of loans, or devote yourself to stock market investing.  Applying yourself to one area will increase your knowledge and skills concerning it.

 

Finally, devote yourself to your job.  That isn’t to say that you should neglect your personal life in favour of your professional one.  It just means that you should be sure to focus yourself on honing your craft.  Recognizing market trends, interpreting data, and applying your findings quickly and successfully are all vital components of careers in finance.  The more attention you give to the specific tasks your job requires, the better you will become at it.  Building a reputation takes time, but by applying yourself successfully you’ll be on your way to a successful career that your peers will envy.

Richard Smith is a business professional who is currently researching careers in finance

Finance

Discover How To Invest Money Wisely To Minimize Losses

People who know how to invest money wisely understand strategies of minimizing risk. The volatility of the stock market requires the protection that is offered by the collar strategy. This tactic is sophisticated yet simplified. It takes the worry off the shoulders of a novice investor who is keen to understand and know how to successfully implement it.

Collar investment strategy requires that you still invest in your desired stock but find ways within the market of covering the losses. Some analysts consider it an accessory since it cannot work without the major investment holding. It takes away the worry in instances of anxiety and reduces the chances of making losses. Decline in one share will not expose your investment to huge losses. A market rally will leave your worth intact.

Calls and puts are considered part of safe investments. You are required to hold the shares of underlying stocks and at the same time buy the protective puts and sell the call options. Ensure that your choices of calls and puts are out of money options. They are supposed to have the same number of contracts as well as expire in the same month.

The returns available from the stock market propel it among the best investment ideas for short and long term gains. The uncertainty associated with this portfolio is the possibility of loss occasioned by a rally. Speculators cause abrupt changes and eventual huge losses to investors. The availability of call and put balances the mechanism of losses and profit so that investors can still enjoy profits under all conditions.

The existence of safe collar ensures that this strategy is counted among the good investment ideas. A safe collar in one where the prices of put and that of call are equal. This means that you will earn as much as you will spend. When calculating the earning, it is important to consider the implication of commissions since they are huge in some of the areas.

The commissions are determined by the broker who does the selling for you. However, it is important to pay close attention to the amounts because they are huge when dealing with large volumes. The amounts could significantly reduce your profit margins. You should turn to the low commission brokers if your volumes are huge and frequent. A bullish investor establishes a costless collar because his focus is protecting his capital other than collecting premiums.

Volatility in the market results from bare runs and anxiety selling. These are moments that are likely to occasion huge losses. The sale of stocks is one of the ways to avoid losses in the market. This means that you are forced to liquidate your investment. There are inherent risks associated with such a move. It reduces your worth and causes uncertainty in your investment.

Understanding how to invest money wisely means knowing the strategies to reduce risk. Collar strategy ensures that returns on investment are not probable but definite. This trading method gives an indication of the potential gains and losses in each trading season or period. It offers necessary protection and comfort to investors.

If you want info about how to invest money wisely, go to our web pages here today. You can see details at http://workwithdannyyounes.com/safe-investments-is-sharelord-considered-this/ now.

Finance

Atlanta Hard Money Lending Explained

Atlanta hard money lending is defined as a specialized, short-term form of lending that relies on real estate as collateral. In this case, the value of the collateral has a higher weighting than the status or ability to pay on the part of the borrower. Because this type of loan does not employ traditional credit guidelines, it is more expensive.

The capital of the American state of Georgia is Atlanta. The state capital is approximately 250 miles inland in the upper left-hand quadrant of the state. The Atlantic coast is a three to four-hour drive. Poised at the intersection of two railroad lines, the city was established in 1837. It is known in international economic circles as an alpha world city. It has a gross domestic product of $270 billion.

There are almost 450,000 as determined at the census in 2010. There are approximately 3,200 per square mile. Atlanta is bisected by two interstate highways, I-20 running east/west, and I-85 running north/south. The city hosts three professional sports clubs: the Hawks (basketball), the Braves (major league baseball) and the NFL football team, the Falcons. The top local employers include Delta Air Lines, Emory University and several public school districts.

Hartsfield-Jackson International Airport is a short distance from downtown via I-85. Perhaps surprisingly, it is the busiest airport in the world in terms of the numbers of passengers, 95 million in 2012. The airport is the job of Delta Air Lines and opened in May 1928.

One of the oldest, most mature and established neighborhoods is Mozley Park, built in the 1920s. Homes here tend to be mostly Craftsman bungalows and Folk Victorian cottages. The bungalows rarely have driveways. The Folk Victorian style, a blend of English classic with American homestead, is named after the Franco-British custom of naming architectural genre after the monarch who is reigning at the time. In this case, the monarch was Queen Victoria of England.

American Craftsman was a genre from the British Arts and Crafts movement in the middle of the 19th century. It remained popular until the 1930s. This was a time when skilled workmanship was more important than rapid erection. Consequently, homes in this style were available only to the upper classes.

The diversity of housing styles here are attractive collateral for Atlanta hard money lending. Among the various genres are Georgian, Federalist and antebellum, derived from the combined British and Spanish heritage of the city. Other styles here are Neo-Mediterranean, Neo-Classical and American Colonial.

Tom G. Honeycutt is a full-time real estate entrepreneur in Atlanta, GA. Tom helps readers by providing practical and useful knowledge to better understand lending choices. If you are looking for Hard Money Commercial Loan Lenders | Atlanta, GA He suggests you check out the website iFund International

Money

Passion Over Money

In a human life, we all make choices. They say, what we choose, is what eventually defines us. This explains why people are often extra concerned and careful while making career choices. And although, many choose cautiously they often end up discontent in life. This happens not because they choose wrong, but because they fail to realize what are they choosing for.

People desire different things out of life and the decisions and choices that we make should be influenced by our ultimate desires. But we, ever-greedy humans, often fail to do so. Instead, we go making decisions with the herd and absolutely forget what we, as an individual, want. One such major decision that most youngsters are facing today, is to walk towards money or walk with passion.

The task of choosing between money and passion is a difficult one, especially for those who study many long years to get their educational degrees. These people tend to go on with their supposedly money-making careers and choose high-paying jobs rather than going for a small-packaged passionate work. The point is, these people earn money, and money alone. Not a bad thing, if your crowning aim is to get rich. But money is no man’s dream, may be a way to get their goals, but certainly not the prime goal of life.

Every human has responsibilities and duties towards society in which they exist. These duties often drags a human to the money-dreaming ‘rat-race’ and away from his pleasing passions. The notion that passion can be pursued only after bagging some substantial moolah, is as false as it gets. The thing is, the later you act on your passion, the lesser time you get to excel in it.

There are always exceptions, but most average people fail and fall in their initial quest of money, fame and possessions.

The author loves writing articles and quizzes on a variety of topics. He works on astrology projects like February Birthstone and numerology 1 for the general internet surfers when he is not busy writing.

Money

Make Money Blogging

Money can be made through blogging by forming an own blog or your own website. Once you have your own blog in operation then you can move ahead and monetize the blog for it to start giving you money. There are different methods of blog monetization processes which can be applied successfully.

One of the very simple ways of monetizing a blog is through the writing of blog posts and articles. When writing blog posts it’s always good to be extra careful to write only relevant information and avoid any information not related to the topic in your blog. Before you can choose your topic you should first do some research on those topics that can bring some money to your blog. Make sure you choose a topic that deals with a product that people use on their daily lives.

Those things that people require on daily basis will help you have more traffic in your blog than those items that people use once in a while. For example if your blog is dealing with the issue of housing you will more or less be assured of visitors in your blog many of the times. This is because housing is a basic need and day in day out people are in search of houses for their business or for residential purposes. On the other hand a blog dealing with items such as Christmas gifts will not be of much monetary gain to you mainly because this is a one time event and only when it comes will you find people visiting your blog. This will reduce your blog into a one time event blog and this may not auger well for a money making blog. A serious blogger should have a blog that receives visitors on daily basis if for sure the intention of establishing the blog is to make money online.

Once you have the topic with you, its now time to start the process of writing posts and posting in your blog.

The posts that you write should contain all the necessary information that may be required by your clients. This may involve an update of prices and new brands in the market or any other information that you may deem necessary for your clients. Blogs that contain all the necessary information concerning a particular product will always rank ahead of others that only have partial information on the products they are dealing with. Make sure that you have exhaustively dealt with even the minor details that you find unnecessary to your products because these may be the same details that people may be looking about. Because you need the services of all your visitors you should not ignore even the small details about the products you are selling in your blog.

The blog posts should not contain complicated language that will take time to understand. People visiting various sites in the internet do not have ample time to use on information that they hardly understand. They will therefore look at places where they can get the same information but in a simplified manner. This saves them time and money hence the need to have simple but well explained details on your products.

Rob Benwell is a blogging expert that specializes in traffic generation for blogs and monetization like how to make money blogging. He currently has helped over 50,000 people get started with making money with blogging with his Blogging to the Bank website.

how to make money blogging

make money blogging

 

Finance

Perks Of Private Lenders For Real Estate

Buying a home can quickly turn into a process that is difficult and overwhelming for people to manage. Most consumers discover that they are unequipped with the knowledge and resources that might be necessary for ensuring their purchase will be as comprehensive and viable as possible when dealing with such a large financial decision. Anyone focused on this process should know the advantages of private lenders for real estate.

A private lender is usually associated with being a smaller company or actual person that offers the funds that people need for buying a house. A majority of buyers are focused on this source when lacking the ability to receive a traditional mortgage and are still focused on making this kind of investment. Making a decision from the various options can be quite difficult for anyone involved.

Consumers in most cities that are focused on this kind of company have a significant number of lenders to consider. Most people are unfamiliar with this process and are unable to find a suitable provider for the funds they need with any degree of effectiveness. Paying attention to the various benefits of this source is quite useful in making a wise decision.

Perhaps the most noted benefit of this kind of funding the vast availability that is offered. Most consumers find that local markets are flooded with opportunities for people that are interested in making this kind of buying decision and are all quite unique in regard to what they offer. More lending options lead to better solutions.

Simpler approval requirements are an additional benefit of considering this kind of funding. Receiving an approval through a traditional mortgage provider can be difficult for anyone to complete with negative credits ratings or not having an appropriate down payment. This source of funds is also helpful for first time buyers.

Quicker funding times are also helpful for people to consider with this process. The amount of time involved for receiving funds through traditional sources can be difficult to manage with any degree of efficiency. Consumers are offered access to their funds with relative efficiency when this source of utilized.

Consumers are also attracted to the higher degree of flexibility that is offered with this source of funding in regard to payments. Making monthly payments for any kind of mortgage is a major expense and can be difficult to filter through on a multitude of levels. Private sources of funds are helpful in preventing difficulties with loan fulfillment which can be useful in preventing major difficulties.

Tom G. Honeycutt is a full-time real estate entrepreneur in Atlanta, GA. Tom helps readers by providing practical and useful knowledge to better understand lending choices. If you are looking Commercial Real Estate Mortgage Lender Loans | Atlanta, GA He suggests you check out the website iFund International