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Finance

Finance Jobs In Oman

Oman is a small country bordered by the UAE, Saudi Arabia, and Yemen. It has a vast coastal plain and has small population where many religions co-exist but Islam is the dominant of all. Oman is governed by Monarchs and 50% of the population is indulged in agriculture and fishing jobs. The Sultan is making efforts to make its people educated by setting up universities so that the country can be benefited in a way that its own people take up jobs in Oman and earn good salaries.

Like other countries in the Middle East, jobs in Oman are also being created on a large scale. In past few years the government has taken vital steps by entering into friendship treaties with other countries and attracting them to invest in Oman. Banking and finance jobs sectors are important for every countrys economic stability. Omani banking sector is highly efficient and stable which responds to regional and international developments and it is also trying to liberate financial services within the framework of World Trade Organization. More and more Omani citizens are gaining knowledge of finance related studies and many colleges are offering courses in banking and financial sector. The government has set up specialist banks which support efforts made for national development in housing, fisheries, agriculture and industry.

People from different countries arrive with an aim to work and find jobs in Oman. The expatriates are generally the labor force which comes from countries like Pakistan, India, Bangladesh, Philippines, and middle-east countries. But a large number of foreign workers are also skilled labors and are given handsome salaries with attractive perks. Some foreign workers are given accommodation facility, pick and drop facility and free tickets to travel back to their home country. When their tenure ends the company gives them big bonuses usually money which makes Oman a destination for lucrative career.

A person coming to Oman to work will experience a lot of cultural difference. Omani society is very conservative and has stringent punishment for small crimes. Male and female interaction in public spaces is not encouraged in Oman. This has helped in curbing the crime rate but a foreign worker has to make sure that he/she is on the right side of the law. But overall, you will enjoy working in Oman if you go with an open and free mind with least expectations.

The country in the past has spent a lot on its infrastructure and has attracted many western countries to set up their business here. With improving lifestyle and disposable incomes, more and more people want to secure their hard earned money and property. This has led to the growth of different financial sectors such as insurance companies, real estate companies, financial planning companies and money management companies to establishing their offices in Oman. These MNCs require working force and have job vacancies in large number for Omani people. A person should have a graduate and post-graduate degree in finance studies with 2-3 years of work experience to get a job in Oman.

Though other sectors are emerging in Oman but, the region is famous for its oil and petroleum reserves and its economy is based on these natural minerals. But, there are huge prospects in other emerging sectors as well which have many vacancies and job in Oman. Due to lack of supply and availability of resources citizens are partially benefiting and hence, companies hire foreign professionals.

In the times of globalization, the people living in Oman are well aware about the advantages of education and its benefits in their countries growing economy. Hence, many parents are sending their children abroad in order to gain knowledge and come back to their country to put their knowledge into practice by getting good jobs in Oman and contributing to the countrys development.

Deepika Bansal writes on behalf of NaukriGulf.com, a leading job portal for jobs in Gulf Region, Jobs in Oman and jobs in Saudi Arabia, Middle East jobs. Info Edge foray into the Middle East is an endeavour to provide established client base with services that best meet their international requirements as well as expand our operations on to a global arena.

Finance

How to get finance on taxi

So if you are planning to jump into this business then you should take care of some things that you need to consider. To avoid certain problems you should visit agencies like Fowler Motors or you should visit different taxi drivers who are in this business from a long period. From, Fowler Motors, UK you can get lots of information to start your Taxi Finance business. There are some drivers who are not actually ready to provide information because they don’t want any competitors who are sharing their business.

But, if you try to meet more number of persons, you can surely get sufficient information from them. Second thing that is suggested by Fowlers Motors in this business is law. This means that if you are planning to start the business and want to run business smoothly then you should be ready to follow the rules and regulations of the government. Most important thing that is suggested by Fowlers Motors is to drive the taxi with proper driver’s license.
Now, once you have gone through with all the regulatory matters then next most important thing to start your Taxi Finance or Taxi Sales business is analysis of cost. This is most important thing to be considered when you are planning for new business. If you are planning to start your business as an independent person then total cost of starting the business should be considered first. If you are interested in starting this business as an agency of many different types of cars and taxis then you should consider contacting Fowlers Motors first.

They are the main supporter of this business and having wide experience in this field. They are having lots of different kind of cars. They are also giving support for Taxi Sales and Taxi Finance.

Fowlers Motors is one such great company that can help you in every aspect if you want to start your own business. You can easily find a good range of cars and other vehicles with multiple brands nearby you and you can also get all the required information about them from Fowlers Motors. You can visit their website to know more about their business and about the company. Their site can provide you all good information. After finding some good vehicle you can step in to their office and ask for Taxi sales from them.

For more details just visit our website Taxi Sales

Finance

Finance Companies in India

 

There are so many Finance Companies in India giving loans for various needs. Some of the best Finance Companies India and the Top Finance Companies also dole out loans that have an urgent requirement. Also, there are many Finance Companies for Bad Credit in case your credit is not that good as per the industry standards.

There is a very long list of Loan Finance Companies and Financing Company based in India but this is a shorter List of Finance Companies such as Abhinav Capital Services Ltd, Aditya Birla Money Limited, Aeonian Investments Company Ltd., Allahabad Bank Ltd., Apollo Finvest (India) Ltd, Apollo Sindhoori Capital Investment Ltd., Autoriders Finance Ltd., Axis Bank Ltd., Bajaj Auto Finance Ltd, Bajaj Global Ltd, Bajaj Holdings & Investment Ltd, Bank of Baroda, Bank Of India Ltd, Bank of Madurai Ltd., Bank of Maharashtra, Bank of Punjab Ltd, Bank of Rajasthan Ltd., Bharat Overseas Bank Ltd., Bhoomi Infrastructures Corporation Ltd, Catholic Syrian Bank Ltd., Central Bank of India, Centurion Bank of Punjab Ltd., Chokhani Securities Ltd, Cholamandalam DBS Finance Ltd, City Union Bank Ltd., Finvest Ltd, Corporation Bank, Cosmos Co-Op. Bank Ltd., Dalal Street Investments Ltd, DCM Financial Services Ltd., Dena Bank Ltd., Development Credit Bank Ltd., Dewan Housing Finance Corporation Ltd., Dhanalakshmi Bank Ltd., DSP Merrill Lynch Ltd., Easy Fincorp Ltd, Edelweiss Capital, Export Import Bank of India, GE Money India, Geojit BNP Paribas Financial Services Ltd, GIC Housing Finance Ltd., Gujarat Lease Financing Ltd, Gujarat State Financial Corpn. Ltd, HDFC Bank Ltd., Housing Development Finance Corporation Ltd, HSBC InvestDirect (India) Ltd, ICICI Lombard General Insurance Company Limited, ICICI Securities Primary Dealership Ltd., IDBI Bank Ltd, IFCI Ltd, Indiabulls Financial Services Ltd. Indiabulls Securities Ltd, IndusInd Bank Ltd., Industrial & Prudential Investment Company Ltd., Industrial Investment Trust Ltd., ING Vysya Bank Ltd, Karnataka Bank Ltd., Karur Vysya Bank Ltd., Karvy Computershare Private Ltd., Kotak Mahindra Bank Ltd.

Also there are some other Top Finance Companies and other best, Finance Companies for Bad Credit and they are: LIC Housing Finance Ltd., Life Insurance Corporation of India, Mahindra & Mahindra Financial Services Ltd, Manappuram General Finance & Leasing Ltd., Manipal Finance Corpn. Ltd, Maruti Securities Ltd., Motor & General Finance Ltd., Nedungadi Bank Ltd., Network 18 Media & Investment Ltd., Punjab & Sind Bank, Punjab National Bank, RBS Group, Reliance Capital Ltd., Religare Enterprises Ltd, Religare Technova Ltd., Small Industries Development Bank of India, State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of India, State Bank of Indore Ltd., State Bank of Mysore, State Bank of Patiala, State Bank of Travancore, UCO Bank, Union Bank of India, United Bank of India, YES Bank.

 

 

Getting more information about Finance Companies in India or Loans in India Just visit Companies India Directory.

Finance

Alternative Investments in Finance

Alternative investment involves investment in assets other than the traditional products of stocks, bonds or cash. These assets include the likes of art, antiques, wine, coins or rare stamps – in other words, rare items. Financial assets like commodities, private equity, hedge funds and financial derivatives are also accommodated in alternative investment. Due to the complexities in their nature and the regulations and the illiquidity involved, alternative investment assets are usually held by institutional investors or accredited individuals.

A thorough investment analysis is required before buying and investing in alternative financial resources. They also involve a high minimum investment and fee structures compared to mutual funds. Traditional investment involves risk. We have seen how in recent times the world of finance was hit as bankruptcy triggered panic across the globe. But even in troubled waters, you don’t need to be bearish if you are the proud owner of a few bottles of Bordeaux or a Penny Black or may be a series of Andy Warhol prints as you are supposed to get their money back virtually.

Why do people go for alternative financial investment?

A probable reason why people invest in alternative resources is to diversify and reduce the overall investment risk. Portfolio diversification is suggested to potential investors to minimize the risk. And this can be achieved through alternative investment.

Advantages to investing alternatively:

1. Alternative investment involves low correlation with traditional financial investments like stocks and bonds. As a result several large institutional funds like the pension and private endowments have already begun allocating a small proportion, less than 10%, of their portfolios to alternative investments like hedge funds.

2.

It is comparatively less liquid in nature.

Disadvantages to investing alternatively:

1. Lack of published verifiable performance data and minimum opportunity to advertise to potential investors.

2. Determining the current market value of assets is often difficult.

3. Cost of purchase and sales is relatively high.

The most common types of alternative investment include:

• Hedge funds as alternative financial investments include a wide range of investment assets like stocks and commodities, which principally aim at offsetting the potential losses in the markets.

• Future funds as alternative investments are standardized contracts of sale and purchase of commodity at a predetermined price on a specific date. Futures are used to trade currencies and commodities like petroleum and agricultural products.

• Real estate can also serve as an alternative investment option, which typically involves buying and selling of immovable properties like land and premises. It yields rental income as well as capital appreciation.

• Though not always viewed as such, art is certainly an alternative investment. This investment option gained some new traction after the 2008 market downturn and recession period.

• Investment in vintage items, such as fine wine, has proved profitable with consistent high-yield returns, even in the months of 2008 credit crunch.

• The precious metal gold is used as a defensive alternative financial investment, which tends to grow in popularity during periods of prolonged economic upheavals.

In this readily evolving economic climate, as investors are striving to locate the best investment niche, these alternative financial investment options are gaining greater and greater appreciation due to their low-risk and high-yield nature.

Find more about hedge fund investment and certification in finance at CAIA.Org.

Finance

An Overview of Personal Finance

Finance does matter a lot in every segment of the economy. Whether it is an individual or group or financial institution or bank finance plays a pivotal role in it by any means. In fact, personal finance is the application of monetary decisions of an individual, group or family unit. Personal finance denotes that how an individual obtains, consumes, and saves his or her monetary resources over time. Components of Personal FinanceThere are several components of personal finance involving:• Checking and savings of accounts• Credit cards• Consumer loans• Investment in stock market• Retirement plans• Insurance strategies• Income tax management and • Social security benefitsProcess of Personal Financial PlanningGenerally personal financial planning goes through five unique kinds of processes which are typically known as: • Assessment• Setting goals• Creating a plan• Execution & • Monitoring and reassessment

Worth Mentioning Areas of Personal FinanceWhen it comes to the areas of expertise, there are six mandatory types of areas of personal finance management involving:• Financial position• Adequate planning• Tax planning• Investment and accumulation goals• Retirement planning &• Estate planningInterestingly all of these six areas of personal finance have been recommended by Financial Planning Standards Board.Benefits of Personal Finance BudgetingAs far as the rewards of personal finance budgeting are concerned, they are more than enough beyond your imaginations. Therefore the most prolific benefits of personal finance management typically involve:• Cost cutting• Personal savings• Maintenance of monthly budgets• Avoidance of extravagant expenditures• Improved budget lines• Decreased financial agony and stress• Improved balance sheet &• Strong financial stabilityContemporary Personal Finance ScenarioWell the contemporary financial management structure is not very much promising as recession has been prevailed all over the world.

It has been estimated that thousands of individuals in the United States of America have lost their jobs most recently. The truth of the matter is that contemporary recession has badly ruined the financial structure of the global economy. More importantly, financial chaos hit the United States of America viciously. As a result, the whole world is coping with recession. 

Time of Need & Self RelianceDuring the vicious financial chaos, we need a miracle so as to get ourselves rid of the economic muddle.  Moreover people need to become self reliant themselves. The more we cut down our expenditures and save for difficult times the more we become stable financially. SummaryIn short, personal finance is not a latest theory but it is quite a unique concept. In this article, we put our best effort to highlight the basic concepts of personal finance, its benefits, contemporary personal finance scenario, and theory of self reliance. We hope this article will help you to apply the theory of personal finance yourself strongly.

Here you will find Free online personal finance management and product reviews.

Finance

An Overview Of Personal Finance

Finance does matter a lot in every segment of the economy. Whether it is an individual or group or financial institution or bank finance plays a pivotal role in it by any means. In fact, personal finance is the application of monetary decisions of an individual, group or family unit. Personal finance denotes that how an individual obtains, consumes, and saves his or her monetary resources over time.
Components of Personal Finance
There are several components of personal finance involving:
Checking and savings of accounts
Credit cards
Consumer loans
Investment in stock market
Retirement plans
Insurance strategies
Income tax management and
Social security benefits
Process of Personal Financial Planning
Generally personal financial planning goes through five unique kinds of processes which are typically known as:
Assessment
Setting goals
Creating a plan
Execution &
Monitoring and reassessment

Worth Mentioning Areas of Personal Finance
When it comes to the areas of expertise, there are six mandatory types of areas of personal finance management involving:
Financial position
Adequate planning
Tax planning
Investment and accumulation goals
Retirement planning &
Estate planning
Interestingly all of these six areas of personal finance have been recommended by Financial Planning Standards Board.
Benefits of Personal Finance Budgeting
As far as the rewards of personal finance budgeting are concerned, they are more than enough beyond your imaginations. Therefore the most prolific benefits of personal finance management typically involve:
Cost cutting
Personal savings
Maintenance of monthly budgets
Avoidance of extravagant expenditures
Improved budget lines
Decreased financial agony and stress
Improved balance sheet &
Strong financial stability
Contemporary Personal Finance Scenario
Well the contemporary financial management structure is not very much promising as recession has been prevailed all over the world. It has been estimated that thousands of individuals in the United States of America have lost their jobs most recently. The truth of the matter is that contemporary recession has badly ruined the financial structure of the global economy. More importantly, financial chaos hit the United States of America viciously. As a result, the whole world is coping with recession.

Time of Need & Self Reliance
During the vicious financial chaos, we need a miracle so as to get ourselves rid of the economic muddle. Moreover people need to become self reliant themselves. The more we cut down our expenditures and save for difficult times the more we become stable financially.
Summary
In short, personal finance is not a latest theory but it is quite a unique concept. In this article, we put our best effort to highlight the basic concepts of personal finance, its benefits, contemporary personal finance scenario, and theory of self reliance. We hope this article will help you to apply the theory of personal finance yourself strongly.

Here you will find Free online personal finance management and product reviews.

Finance

The Art Of Finance Management

Financial planning is a broader term, which is not just about managing daily finances but focuses on long-term saving strategies. When we talk about short and long term goals: buying a home, going on a vacation, saving for education are a few things that strike us immediately. And for all these dreams to come true, one needs a strong money management strategy.
If you are looking at long and short term goals, it doesn’t mean you have accomplished the task of financial planning. After clearly listing out what you want, the next step should be identifying the areas to be worked-upon that will help in acquiring the goals. Analyze where you are currently standing, how much savings you have, your assets and debts, monthly expenditure and how are you trying to increase savings. Risk management is one thing most of us overlook while making financial plans.
Always ensure that you have insurance for house, health and other possessions. A smart decision taken today can save you big bucks in the coming time. Once you are done with the process, next step is to review and revisit these goals as well as the progress you have made every month.
It is true that financial plan building can take the shape of a confusing process. The moment you find your finances are scattered all over, you should take the advice of a personal finance planner.
We generally opt for a financial planner in case the sums are larger and unmanageable, we are undergoing losses, the decision making power is somewhere lost or the finances are disturbing us. A money management expert will keep your finances in order. Make sure he has enough experience and required knowledge, so that he can handle everything smoothly and also comes up with profitable ideas.
We are often mistaken that cash management is all about balancing the chequebook. But, it involves everything from preparing a budget, using credit wisely and minimizing income tax to be paid. All of us are not blessed with the art of taking care of everything from credits, debits to insurance, and at certain point of time, we need a trained professional to provide us with a financial security.
If you are facing financial crisis or it is becoming unmanageable for you to take care of finances, it’s high time to consult the right personal finance planner and let him take away all your worries.

TheLivingBalanceSheet provides money management , budgeting help, managing your money and budgeting money . TheLivingBalanceSheet also provides personal finance management software to set up the guidelines for evaluating the financial growth.

Finance

Car Finance Quotes Online

Anyone would love to travel in a car. Many of us have a passion about driving a car. Car is still considered being an aristocratic amenity by most of the people. A car cannot be easily afforded by all due to its expensive price. However, there are options for people belonging to middle – class economy to buy a car. A number of online portals help people in making decisions on buying a car. The websites give a complete solution for people who are willing to buy a car.

The online portals issue car finance quotes instantaneously upon the request of the user. They serve as the best place to either sell, buy or research about a car. The user in order to get a finance quote has to visit one of the many car finance quote portals available online. The user has to then enter the requirements like model of the car, make, features and the price range. The website will immediately display a number of cars as per the affordability of the user, easy monthly installment options for the car as well as the dealers and distributors who sell the car in the market.

The website not only offer car finance quotes, but also provide a comparison chart that helps us to compare two or more cars with respect to their features and price. These websites help dealers, distributors as well as private individuals to sell their cars. These websites let the user advertise about their cars if they are to be sold. These websites have a complete collection of new cars as well as used cars available for sale. Anyone from any place can find out a car available for sale at any other place with the help of these portals. The people who intend to buy a car can know about the availability of the car region wise.

The financing suggestions offered by these portals is extremely helpful to all. These portals have a list of financial institutions, their payment procedures and policies. Any user can get the complete list of financing options available through these websites, before buying a car. One need not stand in a long queue at the doors of a bank to get a car loan. These websites have a form that is available online. All a person has to do is fill the details in the form and apply for a loan. A financier will come in search of the person to offer a car loan. One can thus select a car as well as get the money required to buy a car with the help of these websites.

Besides these basic services, these websites also offer details related to insurance options, mortgage options and resale options available for a car. Many of the websites also offer services to buy trucks, boats, bikes and vehicles other than a car. In addition to that, these websites have the latest news related to cars, previews and reviews about the car and a lot of information about car care.

Buying a car is no more a dream. One could do that just by sitting at home. These websites that offer car finance quotes online help us turn our dreams into reality. Do you wish to own a car of your choice? Visit one of these websites and bring your dream car home, today!

Getting accurate car loan rates is the first thing to do when looking to buy a new car. The best way to compare car finance interest rates is to use the service of a broker.

Finance

Ministry Of Finance On High

:   Packaging industry to actively encourage the development of new products and new technologies, promote the development of China’s packaging industry, the central government decided in 2005 to arrange for the packaging industry high-tech R & D funds (hereinafter referred to as “the funds”) to support the packaging industry High-tech R & D projects, technological innovation, new technology promotion. The relevant matters are announced as follows:

First, the scope of financial support. The fund should focus on support to national macroeconomic policies, environmental protection and Cycle Economic policies following items:

1, identified by the departments concerned with the international advanced level, or fill the gaps in the new packaging products, packaging materials and Packaging Machinery The development and industrialization projects.

2, integration of industry high-tech R & D projects, identified by the relevant state-level new product development project, more than in the provincial and municipal sector project of the new materials, new technologies, design and development projects, application of technology projects .

3, protection of personal Health New environment-friendly packaging materials safety program.

4, packaging reduction and energy conservation projects, waste disposal and use of project packing.

5, packaging and related laws and regulations Standard Of research, technical standards development and Test Project.

6, in line with national policy on the packaging industry and other new technology projects.

Second, support methods and uses of funds.

Mainly taken the free grant and loan interest subsidies to support two ways. Right to self-investment in R & D projects based, in general, free-funded approach; on bank loans to invest in R & D projects based, in general, loans interest subsidies. A project by selecting one of the two, they shall not apply.

Unpaid amount of funding, each project within the general control of the 5 million yuan, and does not exceed the amount invested enterprises self-financing. The amount of discount loans, lines of credit and reference projects as announced by the People’s Bank to determine interest rates, interest payments by businesses after the first procedure discount, the discount period for each project is generally not more than two years, the discount amount of not more than 5 million yuan.

The funds should be mainly used for research and development process of the project related expenses incurred, generally include: labor costs, a key test equipment and software costs, Fuel Power costs, leasing costs, testing costs, materials, commissioned the development costs, the existing system requirements and approved by the Ministry of Finance and research and development projects related to other expenses.

Third, the declaration of capital (A) for the funding of enterprises must meet the following qualifications:

1, an independent legal entity, corporate governance norms of packaging products, packaging materials, packaging machinery production of the domestic large and medium.

2, Finance Management system is sound, timely financial departments to submit financial information at the same level.

3, accounting and tax credit good credit.

(B) In addition to the basic conditions for the above requirements, the enterprise shall meet the following conditions:

1, set above the provincial level enterprise technology centers recognized.

2, R & D investment accounted for over a year Sell The proportion of income for more than 3%.

3, the last 3 years average annual R & D investment over five million yuan.

(C) for the funding of enterprises should submit a written application and provide the following information:

1, enterprise legal license copy and articles of association (copy).

2, production Operate , Including the operation of the main products, production technology, the major economic indicators.

3, project feasibility study report. 4, by the accountant Services The Audit Of the annual accounting Report And audit reports.

5, issued by environmental authorities above the provincial level environmental evaluations.

6, R & D funding required for their effective certificate (already implemented or have been put into effective self-financing project construction documents; project loans Contract And bank interest inventories, etc.).

7, the other required information provided.

4, audit and disbursement of funds.

Provincial finance department commissioned at the same level Packaging Technology Association, the region within the qualifications of the applicant and review relevant materials, and August 31 of each year, will fund the project application report and materials submitted to the financial reporting Department. The central business capital project application report and the material directly to the Ministry of Finance reported.

Ministry of Finance commissioned the China Packaging Federation Organization Expert Central and local enterprises and project application report submitted to conduct the assessment and, based on assessment results, determine the support of the project, validation methods and amount of financial support. Central enterprise funds directly allocated by the Ministry of Finance; local enterprise funds allocated by the Ministry of local financial departments, allocated by the local financial sector to the enterprise.

Five capital accounts processing. Free enterprise funded projects received funds to form part of assets, included in Capital Reserve; not form part of assets, to be factual verification. Discount loans to finance the project received funds, charged against the financial costs.

VI funds supervision and inspection. Units to undertake the project on the implementation of the special account management and accounting of funds, no unit or individual shall not retain any excuse, misappropriate. Ministry of Finance and local finance departments of the funds management and use of supervision and inspection, may authorize the audit department or a public audit agency audit, financial trickery to defraud, or for use under the use of funds by the project, will fund the removal of the unit eligibility criteria, and in accordance with the “financial penalties for sanctions violations Ordinance” seriously.

The People’s Republic of China Ministry of Finance

July 26, 2005

I am Frbiz Site writer, reports some information about sleeper sectional sofa , buffet hutches.

Finance

Business & Finance FAQ

More Business & Finance questions please visit : UKAny.com

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I am London. many thanks. It depends on income since 6th April, London doesn’t affect anything. All UK citizens return with a personal tax-free allowance of nearly lb6475 a year, which is proportioned out throughout the tax year (6th April to 5th April) at nearly lb540 a month. After…

1st class record transfer royal messages back?
I bought a small aftershave bottle off ebay and the seller posted the item on Wednesday [7th of July] by 1st Class Recorded Delivery. I didnt find it today but can I expect to get it tommorow? or on Saturday if they deliver on Saturdays? It is only a…

1st VAT Return for a small Letting Agency?
I’ve been asked to produce a quick instruction book 1st VAT Return for a friend who owns an agency. They don’t have their books up to date yet and no computerised accounts system. What is my best approach of tackling the task, as I’m used to computerised accounting?…

2 bedroomed property bills included (preferable) WANTED?
Hey, we are 2 adults and 1 17 year old who are looking to move in together. We are looking for a property around Walsall and wondered if anyone have anything that matched that description. Thank you x Put an advert in the local paper for that nouns…

2 career offer…give a hand?!?
I have been offered a commission as an apprentice hairdresser. At the moment i am just doing saturdays until she puts me in full time. I am individual being paid lb20 for a full year and im 20 nearly 21 so this doesn’t even meet national minimum wage, I know that…

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