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Money

Time More Important Than Money

TIME! Every time you hear it mentioned, hardly can a discussion end without mentioning that word. Perhaps this underscores the value and importance of time. In fact life is a sum total of time spent, we like it or not the quality of ones life is determined by the value one gives to time. The age old adage is true;

TIME IS MONEY! But I will be quick to add that TIME IS MORE THAN MONEY because success in all areas of life is pegged on the utilization of this very important asset.

A successful person is one who successfully manages time, this requires a lot of focus and discipline which we can all learn. Every human being has 24 hours in a day; Barrack Obama, Donald Trump, Bill gates. the most successful people to the most poorest in the cadres of society all have equal time, the distinction is how each uses their time. there are a number of thing that goes with time which i call “windows to success” these are; opportunity, potential, connections, initiative and insight. Any person who will be able to utilize these elements “in time” will automatically be a success. Let me show you how.

The journey to success begins by discovering.

POTENTIAL: The question one should ask is; “What do I have in my hand?”. Potential may include such things as natural talents, skill, educational qualifications and passion. Every person interested with succeeding must go through this self evaluation. Because this is the starting point. the second thing you should have is insight.

INSIGHT. It is true that what you can see is what you will get out of life. Of course we are not talking about natural sight because you may have optical sight but walk around in life without a sense of direction. The sight we are talking about is conceptualizing some thing in your mind that causes inspiration to well up in your innermost being, insight causes one to see possibilities.

The person with insight does not have the word “impossible” in their vocabulary. In fact insight is what will enable you to see opportunity or rather “OPPORTUNITIES”. THE TRUTH OF THE MATTER IS THAT WE ARE SURROUNDED BY OPPORTUNITIES ALL THE TIME, insight is what makes you see these opportunities. Let me give you a story to illustrate this point; Two friends came across an advert that was put by the government that said for every wolf a person kills the administration would pay a thousand dollars. So the friends Immediately went to the forest with ammunition in hand ready for a hunt, the whole day they didn’t find any wolf but at night as they were getting ready to sleep they discovered that they were surrounded by a camp of wolves immediately one of them panicked and cried out “we are dead”. But the other friend shouted excitedly “we are rich”. You see both were seeing the same thing but their perception was different because they had different mind-sets.

Thirdly you will need to know the CONNECTIONS that you have, these are the relationships that you have because your life will ultimately be influenced by the friends you have. If you are hanging around people who are pessimistic you will become pessimistic, if you hang around guys who are positive in life it will eventually rub on you, so make sure you hang around people who are adding value in your life and who believe in you. And lastly if you are serious about success you will need to have INITIATIVE. This is where the rubber meets the road, some one said ” Dreamers are those who live in the world of wishful thinking, but visionaries are those who after dreaming wake up and decide to do something about it”. Its your choice Do you want to be a dreamer or do you want to be a visionary?

Time management is at the very core foundation of any successful endeavor.

Art Of Success

Money

Riches – More Than Money

Becoming rich is often singularly and synonymously perceived as attaining monetary wealth. This is an incredibly misguided and incomplete way of thinking. Riches means becoming rich in all aspects of your life: socially, intellectually, physically, spiritually, and yes, financially too. You cannot consider yourself truly rich until you fulfill each of the five aspects of your life. Adding to the number of zeros on your salary will be meaningless if you neglect or damage the other important areas of your life.

Everyone has bills to pay. It would be foolish to disregard any realities associated with money, and there is nothing wrong with wanting to improve your bottom line and to seek a measure of material wealth. This does not make you a bad person. The danger is when you become so obsessed with material things that you steam roll over every other aspect of your life. Having a balanced life that includes a combination of wealth, in all other areas, will give you a level of satisfaction and fulfillment for which money alone can never substitute.

Money, taken by itself, will only serve to amplify your personality as it currently exists. If you are a good person, then adding more money to the equation will make you capable of doing that much more good. If, on the other hand, you have sinister or unseemly motives, this will unfortunately only increase your ability to inflict more harm to yourself or possibly others. If you have not addressed any underlying issues in your life, then having more money will only compound the problem. You have to focus on the heart of what is causing your discontentment or unhappiness, in totality, and not just concentrate on the money. Having more money won’t make any internal issues miraculously disappear. You must work to improve all areas of your life.

Spirituality is often regarded as synonymous with finding your purpose in life, but does not require that you exclusively focus on a purpose from a spiritual perspective. At the same time, it does not mean that you necessarily want to ignore it altogether either. However, finding your purpose is fundamental for achieving true riches. Everyone is unique, and, when it comes to spiritual beliefs, this is especially true. I am not here to endorse any one particular way of satisfying the spiritual nature of human beings, but when you are finding your purpose in life, remaining true to your spiritual beliefs is essential if you are to lead the most fulfilling life.

Speaking of purpose, incorporating the social aspect of it must also be taken into consideration. All of the aspects work together in helping you discover your true calling. You want to be sure that your social requirements are being met. You are the driving force behind what you get out of life, but don’t discard friends and family to help round out your experience and help you to enjoy the lighter side of life. Having a rich social life is an important part of a rich life .

You also want to make sure that you are nourishing your mind along the way. As all progress originates in the mind, it’s absolutely essential that you feed your mind. We all have room to grow, and, if you become too complacent, no matter how successful you have become, you are in danger of falling backward. The intellectual aspect of your wealth, a wealth of knowledge, is extremely important.

Your health is the final piece of the fulfillment puzzle. You want to work hard and be focused on what you are doing, but maintaining a healthy lifestyle will help keep you going. When you feel as though you don’t have the time to exercise, and you are stressed to the limit, even though you least feel like exercising, this is the time when you need it most. Make sure you make time to exercise. Eating healthy foods will provide the nourishment to help keep you going and stave off sickness and prevent chronic ailments. You have to take care of yourself.

Again, there is nothing wrong with wanting to have money. Achieving financial independence is a worthy goal, but in order to have a complete and fulfilling life, you want to make sure that you give due consideration to each of the five aspects and to how they relate to each other. Becoming rich in one’s life means much more than just having more money.

Jan Peter Aursnes is the author of the book “Unlock Your Future: The Key to a Fulfilling Life,” a business coach, consultant and owner of Quantum Leaps Consulting, LLC. With a degree in management sciences from the University of Manchester, England, Jan Peter has 27 years experience in the corporate world. He also worked for the International Red Cross as a delegate in the Republic of Georgia.

Finance

Car Finance Can Make Your New Car More Affordable

Is your current car reaching the end of its ‘optimal’ life span? Do you want an upgrade? Is it time for a new company car? It could be any one of these reasons that is driving you to start shopping for a new car. With the March 2011 plates coming there are also likely to be some good deals available.

Whilst a large proportion of the public buy their vehicles through a dealership and shop around based on the ‘price of the metal’, approximately 80 percent of car buyers in the UK actually use car finance to fund their new car and what is relevant for them is the cheapest monthly price of the car and total payment across the finance period.

Many people believe that buying a car in full is the best option, however, the truth is that if you take the time to assess your needs fully and then investigate your car finance options properly, there’s a very good chance that you could get a more flexible, suitable deal for your circumstances. In fact, in some cases (e.g.; you buy a new car every 3 years and then have to part exchange or sell your old car) it may even be better than buying a car with cash.

At is most simple, car finance is most often used to refer to three different options – car leasing, hire purchase or unsecured car loans.

Of the three different options that are available, the most popular form of finance sold to car buyers by dealers is leasing. In the first half of 2010 approximately more than 50% of all people using car finance deals decided to lease a car using the product personal contract purchase (PCP). The attractive factors for PCP were its flexibility to change the car regularly (between 3 – 4 years) and, whilst they don’t actually own the car they don’t have to worry about depreciation and leasing brings with it monthly payments that are very often as much as 40 – 50% cheaper than if you were to buy the car using a loan over the same term. If they do want to own the car, then they have the option to buy it at the end of the agreement.

To the surprise of many people, car loans from a bank are actually the least popular finance options. Hire purchase agreements are the middle ground between the two sandwiched in the middle, giving buyers the ability to spread the cost of the whole purchase price of the car over a set period of time. However, with hire purchase a car buyer is committed to paying a small final purchase price at the end of the finance term should he/she wish to keep the car. However, like PCP you do not own the car until you have made that final payment.

What is right for you will depend on your circumstances. Price may or may not be a driver for you but you should always compare all of your finance options on a like for like basis before making a final decision. In order to make a fully informed decision you should gain an understanding of what is available to you. If you invest the time to educate yourself, it could mean that you save yourself a substantial amount of money.

Mark Rourke is a specialist who researches the latest car finance deals.

Finance

Standard chartered ”creating more finance jobs in Singapore”

Standard Chartered is continuing to create jobs, after adding 7,000 new recruits to its workforce so far this year, it has been reported. According to Bloomberg, the financial services provider is hoping to add 2,000 finance jobs in Singapore to its operations by 2012, while it also hopes to boost its staff numbers in India by 2,500.

Finance director Richard Meddings said the business has built up a “good momentum” in terms of recruitment and is continuing to hire. However, he added that this pace may slow down during the fourth quarter as this is a period when it is traditionally difficult to attract new employees, who may be waiting for a bonus to come through from their current employer. Mr Meddings claimed that the new bank tax introduced in the UK by chancellor George Osborne will not have a significant impact on the firm and was “broadly in line” with its expectations.”As an international bank in over 70 markets it’s really important there is real global co-ordination of banking taxes and banking regulation,” he explained.

 

The growth of the financial sector has spur the demand for high quality graduate education and specialised Master Degree. Aventis School of Management, Singapore collaborates with Baruch College, The City University of New York to offer a suite of Executive Masters and graduate diploma in finance which is aligned to the Chartered Financial Analyst (CFA) curriculum, cater to meet the growing demand for finance professionals in the sector.

INTERNATIONAL RECOGNITION

Baruch College, The City University of New York Executive Master of Science in Finance program combines tradition and innovation and theory and practice to prepare thought leaders for careers in finance. Taught by a team of internationally renowned experts from New York, the heart of the global financial system, this program is widely regarded as the pre-eminent finance program in the world.The City University of New York MSc Finance program is the only

1) AACSB Accredited MSc program in Singapore – Hallmark of an internationally recognized Graduate Education

2) Listed by both Financial Times and Business Week 2009 Ranking

3) Recognised by both CFA institute for curriculum integration with the CFA program and American Academy of Financial Management (AAFM)

4) Ranked Top 100 Business School in the World for Economics & Business by Shanghai Jiao Tong University World Universities Ranking 2010

Singapore´s status as a global financial center has undergone dramatic changes over the past few years, with reputable international financial institutions, including Credit Sussie, UBS, HSBC, and ABN Amro, expanding their operations here

Money

Make More Money with FX Market

FX means Foreign Exchange and it actually a negotiation between two currencies. Similar to any type of business, any type of demand and supply, that completely defines the volume of trade needed in that business and the amount of profit earned. It provides the marvelous opportunity and chance to the people to earn more profit once they get familiar with the trading. When a person get familiar with the services offered and required to trade, he/she can easily learn to make money online in FX market and can efficiently start dealing. Many people get successful trade opportunities in Forex market with thousands of companies. For the fresher in this field, it is necessary to clear the basics clearly.Because this business requires huge investments and also more risk is involved in it. This is up to the investor’s decision whether he has a capability to invest in the market or can bear the loss or not.

It has been suggested by the Forex Brokers that an investor should start with small amount of money so that he can easily invest and if situation arises can easily bear the loss. It has also been advised that in initial stage an investor should understand the terms and conditions of the business before investing his amount and first learn the tricks for the positive results.

Methods of Trading

Usually in Forex market, trading is all about the game to know the value of one currency with respect to other currency in order to determine which currency is more expensive as compare to another. Mainly value of all the currencies are compared with the Dollar because Dollar is considered as the standard currency and all the transaction all over the world is done with this currency. Trading in Forex market is takes place between pair of currencies like Euro and US dollar i.e. EUR/USD, USD/CHF and more. From which the first one is considered out of a pair of two as a base currency.

It has been clearly said by Forex Brokers that FX trade provides a some percentage of margins which is not even expected by the investors that is the main reason that more people get attract to invest in Forex market. Every time people who invested in FX market earn high percentage of margins and it gives opportunities to the investors to get high rate of return and to save huge amount of money. Once people get knowledge of doing trading in this market they keep a step forward to make huge money online.

It has been suggested by the Forex Brokers to get ready for the risk that can occur while trading before investing in the Forex market.

Money

Get A Way To Make More Money

Throughout these hard economic times when most are suffering, it’s important for most of us to try and earn supplemental income. Some have switched by based companies as an method of contributing to their earnings when the money coming regularly is not enough to sustain them. These businesses vary extremely from craft items personally made to sophisticated internet methods through which some gurus particularly report that vast amounts may be created by almost anybody. You will discover lots of frauds being perpetrated along with some legitimate options.

Multi-level marketing (formerly but nonetheless known to as Multi-level marketing or multi-level marketing) is really a type of home-based business that’s quite simple to go in. It is highly likely that lots of grownups in the world are actually approached by someone trying to get them to become involved in this particular industry. It’s a type of business that’s mentioned to cover their advertising dollars for his or her entrepreneurs to make sure that means it’s largely someone to person business.

People tell people who tell others until a company is produced beneath the person. A small % from the quantity of product offered under them may be paid out for the distributor who got the completely new person to participate the organization. Hopefully, this evolves a “downline” of folks that are buying and ultizing the products every month. Commissions are paid out on that downline.

Multi-level marketing can be a easy business to make use of, but it is sometimes complicated for many people. It’s not easy to discuss the opportunity as well as the products to have the ability to find enough individuals to register to accomplish the identical. This is often a enterprize model through which hundreds of products can be found to clients everyday. There is a high probability to earn a pleasant earnings, but it ought to be recognized that could take an inordinate volume of dedication and energy for your normal person to find out any measurable results.

You will discover people making a great living at selling things they have or they acquire very cheaply. They’ll use Amazon . com . com or eBay to promote items they forget about need. Books can be found regularly on Amazon . com . com by people who buy books at rummage sales or thrift stores and re-sell them on the internet. They are not appearing to produce in lots of money, however they could be a means to earn more money. You need to realize what’s needed just before moving in it. There’s necessary to become completely honest also to send the items quickly upon receiving orders.

Sometimes acquiring a component-time job might be the easiest way of people to earn supplemental income. Home-based business options are around while not always lucrative.

More: Bring The Fresh

Banking

Financial Kiosks: Reaching More Clients than Traditional Banking

Alba360 WMS is a Warehouse Management system designed for Dynamics GP that allows users to control the movement and storage of inventory items in the warehouse, and to process receiving, put-away, picking and shipping operations.  Direct integration with Dynamics GP allows all warehouse activity including receiving, order fulfillment and shipping operations to be available in real time within the Dynamics GP environment.
 
WMS Functions:
 
Alba360 WMS for Dynamics GP enables extended versions of the Receiving, Inventory, Picking and Shipping transactions to be processed within the data capture system. It supports the following WMS functions.

Receiving and Put-Away: allows users to receive inventory against purchase orders in Dynamics GP via wireless handheld scanners. The scanning interface identifies the item configuration in Dynamics GP and displays appropriate information and prompts. Lot tracked items and serialized items are also fully supported. Labels can be generated by the WMS systems during Receiving or within the Purchasing and Inventory modules in Dynamics GP. Before printing labels, the user has the option to modify the quantity of labels to be printed in the Receiving Labels Preview window.
Bin Transfers: PO items are received into the default Receiving BIN configured in Dynamics GP. Alba360 WMS allows BIN transfers for items within unposted Purchase Receiving transactions as well as items in the inventory.
Picking & Fulfillment: allows picking to be done in waves or on an order-by-order basis. Batches of orders can be processed based on pre-configured delivery rules.   Alba360 WMS allows shipping to validate orders being fulfilled through the scanner, preventing errors and providing key information to the warehouse workers. Shipping labels containing customer information and order references are automatically generated during the fulfillment process. It also supports fulfillment workflow based on standard, lot tracked, and serialized item types.
Site Transfers, Inventory Adjustments & Stock Counts: allows site-to-site transfer transactions, bin-to-bin inventory moves and adjustments via barcode scanner. Users can perform stock counts based on Stock Count Schedules defined in Dynamics GP. 

Next Steps: 
 
For more information about services and products from Alba Spectrum, or to speak with a consultant about how Alba360 WMS can benefit your organization, please give us a call at 1-866-528-0577 or email us at sales@albaspectrum.com.  You can also visit us on the web at www.albaspectrum.com and request more iBanking firms have cited the high costs of hiring tellers for the purpose of setting up new accounts to clients and doing other tasks such as account inquiry. To makes matters worse, there are about 78 million people all over the Unite States who are unbanked or those who have not gotten any services from banks at all. With the financial kiosks, the high population of unbanked individuals will have more access to bank services wherever they are. However, financial kiosks are not only used on matters regarding credit cards and debit cards but this type of kiosks can also be optimized to support other peripheral applications. This is the reason why financial kiosks are also used for bill payments and as well as for store promotion.
 
Features and Benefits of Setting Up Financial Kiosks

Automated banking kiosks can receive bill payments from companies such as lenders, check-cashing stores and pawnshops. 
Offers 24/7 banking which reduce the cost of transaction, expenditures on staff overhead as well as branch expenses.
Input through financial kiosks offer less mistakes thus reducing reconciliation costs. Moreover, speed in transaction is also increased as customers no longer need to wait for the teller to attend to them. 
Financial kiosks also reduce the queues thus improving customer service. 
Kiosks that are set up in retail locations provide increased revenues by means of product expansion and not only through bill payments.
Financial kiosks also offer multi-lingual options thus empowering customers speaking other languages. Companies will be able to have a reach on larger target market if more foreign customers are empowered.
Financial kiosks offer more security features such as privacy screens, proximity sensors as well as trigger mats in order to secure the privacy of the user.

Companies such as US Bank, AT&T and TIO has been using financial kiosks to provide financial solutions and expand their reach to a larger target group thus if you want to improve the status of your business, then this low-cost customization provided by financial kiosk will simply help your company reach your ROI in no time at all.nformation through our website.

For more information about financial kiosks, kiosks enclosesure and kiosk design please check out our website kioskenclosures.org.

Banking

Offshore banking – so much more than just asset protection

Some people need offshore financial services for the purposes of asset protection, but many people’s needs are far more basic than that. If you’ve taken a job overseas, you’re going to need access to the same financial services you did back home. So if you find yourself in this position, it’s time to think investigate offshore banking services.

Anyone who has ever tried to get things like a current account or loan from a local bank in the country they’ve moved to will tell you, it’s not easy. This is because of the obvious differences and barriers – language and legislation.

It’s much more straightforward to sort everything out before you go. An offshore bank can you provide with you personal offshore banking services that are truly global and you can use quickly and easily wherever you’re heading off to. There’s a wide choice of services on offer, so you won’t have to do much research to find the right product for you.

Perhaps the main benefit of this type of service, is being able to specify a specific currency. This means you can avoid converting your pay from one currency into UK sterling. If you take this option, you’ll in effect be paid in the currency of the country you are living in. This makes day to day life a lot easier. You’ll have no problems buying things locally in the shops or using ATMs.

The good news for those of you who are good at managing your money, is that you can choose from a variety of offshore savings accounts. It’s not just a practical offshore current account that’s on offer. If you’ve been lucky or shrewd enough to acquire property overseas, investigate offshore re-mortgage products if you’re looking to free up some of that equity you’ve built up to invest elsewhere. Offshore finance is far more than just asset protection.

The Article is written by www.scfgroup.com providing Offshore Banking and Offshore Company Services.Visit http://www.scfgroup.com for more information on www.scfgroup.com Products & Services

Banking

No More Waiting in Line: Banking on the Internet

Even those who first viewed banking on the internet with trepidation have become fans. The convenience can’t be beat, and concerns about security have been shown to have been overstated. Banks, and web developers, haven’t failed to notice and are working to bring new functionality to the technologically equipped public.

24-hour access is much of the appeal of online banking. Privacy is another. Even loans, mortgages, and other credit dealings – traditional face-to-face matters – can be managed via the internet.

With new applications for mobile phones, banks can offer even more services to their current customers, as well as attract new ones. It is now possible to deposit a paper check by simply taking a picture of it and sending it electronically. The ability to transfer money between accounts, even at different banks, and to send money directly to another person without using a third-party are other popular uses.

Gas stations and some merchants have introduced applications of their own which allow their customers to make purchases just by waving their phone in the direction of the register. The speed and convenience of this type of transaction for both consumer and retailer has made it wildly popular. You can expect to see many more such applications appear, especially those that are not restricted to a specific vendor. Imagine never having to carry a wallet again.

Banking on the internet was once considered by many to be too great a security risk. People today are more savvy about identifying scams and more trusting of their bank’s dedication to keeping their sensitive information secure. Regulations do exist to protect data, and all financial institutions are required to follow them. The advent of mobile banking may lead to some further enhancements to a system that already performs well. True digital signatures have never successfully been implemented for computer users, but smartphones have the capability to create a genuinely unique identifier that is more difficult to fake than even a handwritten signature. Also, when a phone is turned off, so is the app, so there is no way at all for a hacker to find a way in.

Digital information transfer is the future of banking, and it’s already here. While brick-and-mortar banks may never go away, they are becoming less necessary for basic transactions. As institutions take advantage of their customers’ dependence on technology, more options are opening up every day.

Furthermore, the smartphone has great potential for enabling the user to integrate all his or her financial data from multiple sources into a single, user-friendly application. Some of them already exist, and many more will be introduced in the next few years, as their developers finish testing them.

 

Are you looking for more information regarding Banking on the Internet? Visit http://imbo.co today!

Finance

Car Finance – Buying A Car Is No More A Problem

Purchasing a car has now become as prestigious as well as inevitable as purchasing a home. Along with the car, car – related expenditures, such as fuel, insurance, maintenance and also accessories can get a big cut up from your pre – decided budget. You must know your boundaries even before searching for a new car. If you would be effectively paying for all car – related expenditures, make sure that you spend not more than 10% of your entire earnings. While negotiating for the total price of your car, initially decide on a price range first and then how much your down payment will be. If you select a long arrangement under a car finance, then your down payment will be at the least. If you take the decision to trade the car within the initial year, you will realize that you generally owe more than your car is even worth of.

Fast loans is easily feasible to the borrower to purchase a car that may be new or even old. It entirely depends on the person as to which make, model or brand of car he wishes to purchase for himself / herself. In case he wishes to purchase a utilized car, he should ensure that it should not be more than 5 years old.

Such finance can be acquired by the borrower in specific two forms depending upon their suitability as well as desires. The first way is through secured finance. With the help of this mode, the borrower has to place an asset, generally which is the car itself as security with the lender. This collateral will act as a security for the finance and due to this, a lower interest rate can be gained from the lender as he is sure of the retrieval of his funds.

However, if the person does not wish to place his car or any other of his valuable asset for the finance, he can use the other form and take up the unsecured form of the finance. Here, he will not be needed to place any of his valuable collateral and his assets will be kept safe. But in order to compensate for the risk factor involved in it, he will be charged a higher rate of interest from the concerned lender. The rate of interest can be lowered by proper comparison of loan deals which ever are provided. A term of 5 – 7 years is easily feasible for re – payment of car finance..

Jacab Roxy is financial adviser for Cheap Fast Loans. click on the links to know more about car finance, instant loans, fast loans and 1 month loans.