Vakiflar Of Banking

The Benefits of Bank Savings

admin — Mon, 30 Aug 2010 03:06:39 +0000

Bank savings are very important both for people and for businesses, when the economy is heading for a serious slow down a business can advantage commonly particularly in these times. The economy will suffer in theory since if everybody would save 10% or more gradually, but at the end of the day people will discover themselves with more money within reach and being competent to do more with the same money. Whatever the total amount you gain, convinced to yourself to saving more than 50% if it’s a normal paycheck and not a variety of passive incomes from a variety of investments that you earn over the time.

It looks all of us draw on some type of bank today; most often we will have a bank savings account along with our checking account. Before opening an account, you might want to check out the different banks in your area; they can vary some from bank to bank. In achieving financial independence a bank savings account will help you. You can put your excess money to an account. To interested personals banks usually offer savings services. The returns are just minimal even its one way having investments. The main purpose of a bank savings account is for safe-keeping, because it is susceptible to theft if you have money save in your home. It’s better to deposit in a bank. Once deposited, banks now have the responsibility of taking care of your money.

Depending on the bank’s policy, you will receive interest earnings monthly or annually. Try opening bank savings now, if you don’t have any savings account however. You can choose between public sector banks and private bank. In the application form, you will be required to fill in basic personal information. All of that depends on you; you can open an individual account or joint account. You will be requiring an initial deposit. The amount you should maintain will differ from banks. Since it presents much lower preserving balances than private banks public service banks are encouraging. The convenience it offers is the good thing with bank savings account.

In case you need it, you will allow withdrawing the cash. A highly liquid account is the account. If you want to you can simply withdraw the cash. Through the ATM card you can check your balance, using ATM machines that easy to find because there are so many ATM machines in your community. They are used for deposits, balance inquiry, and withdrawals. No need to transact with the bank employee. You will be given a Personal Identification Card for safety your transaction.

Although, the return on savings account is just minimal, it still income as such. According to bank is the interest of bank savings will be given to you. Choose them who will give you the higher income, if you have deposited big amount of money, the higher interest will be received by you. The interest will count on the tremendous total you deposited. With a bank savings you’ll never wrong. You will be taught about the value of keeping a portion of your monthly income. You can start from a small percentage of your income into your account. Funds that available will help you through financial hard times. Although manage the money can be painless and brainless. All of us should have a responsibility of our self financial.

Motivational Speaker Bureau Speaker Spotlight 1208

hanun — Wed, 25 Aug 2010 01:50:48 +0000

FIVE STAR (http://www.fivestarspeakers.com/) Speaker Spotlight Newsletter – Issue 12, December 2008

I think we would all agree that we are clearly experiencing some “interesting times” in our economy and in our nation. We have seen a big shift in the marketplace over the past three months. Our clients are now focusing primarily on the things that create direct success for their businesses. The focus has been on customer events, sales training and more than our share of economists who can tell us how we got here, and what’s coming next. FIVE STAR is excited to continue to bring these resources to our clients in this, our 20th year. We know that the organizations that focus on business growth issues will look back at the end of 2009 knowing they made the right choices. We have the new and cutting-edge ideas ready to share with you. (See also http://www.fivestarspeakers.com/international-speakers-trainers-bureau/speakers-trainers-news.aspx)

Steve Gardner, Partner

Paul Schmidt, Partner

Five Star Speakers About Us: http://www.fivestarspeakers.com/international-speakers-trainers-bureau/about-us/about-us.aspx

Hot Speaker

Todd Buchholz – Trend Forecaster, Investor, Author & Political and Global Economy Expert

A former director of economic policy at the White House, a managing director of the $15 billion Tiger hedge fund, and an award-winning economics teacher at Harvard, Todd Buchholz targets his entertaining remarks to the cutting edge of economics, finance, and business strategy. Todd Buchholz “lights up economics with a wickedly sparkling wit,” says the Associated Press. Todd recently jousted with James Carville and Ben Stein, and Successful Meetings Magazine named him one of the “21 Top Speakers for the Twentieth Century.” His editorials in the Wall Street Journal correctly forecast the 2001 slowdown in the U.S., and the New York Times has turned to him to decipher terrorist threats and the job market. “Witty, iconoclastic, and engaging” says the Wall Street Journal of Buchholz, while BusinessWeek raved about his book Market Shock, which warned of quicksand facing the stock market. He entertains audiences, showing them how to thrive in a chaotic economy, while gearing up for prosperity….more on Economic, Financial and Political Speaker, Todd Buchholz

Fee Range: $15,000 +;

Travels From: California, USA United States of America

Ask An Expert

Top Economic Speakers

Jordan Goodman – America’s ‘Money Answers Man’ & Practical Financial Advisor

Fee Range: $7,000 +;

Travels From: New York, New York, USA United States of America

Barry Asmus - A dynamic, world-class economist who communicates his insights in a captivating and entertaining manner.

Fee Range: $15,000 +;

Travels From: Phoenix, Arizona, USA United States of America

Ed Barlow – Futurist; “The Art of Looking Backwards From Tomorrow”

Fee Range: $8,000 +;

Travels From: St.Josephs, Michigan, USA United States of America

David Zach – Dave is one of the few people on this planet with a degree in Studies of the Future.

Fee Range: $10,000 +;

Travels From: Milwaukee, Wisconsin, USA United States of America

Gary Hoover - Founder of Bookstop (later became the cornerstone of Barnes & Noble) and Hoovers.com.

Fee Range: $10,000 +;

Travels From: Dallas, Texas, USA United States of America

Jeff Thredgold - The only economist in the world to have earned the CSP honor.

Fee Range: $12,500 +;

Travels From: Salt Lake City, Utah, USA United States of America

Musical Entertainment

Mike Rayburn – The World’s Funniest Guitar Virtuoso

Mike Rayburn is an award-winning speaker and entertainer with a truly unique presentation. Known as the Worlds’ Funniest Guitar Virtuoso, Mike uses his astounding guitar creations, uproarious songs and presentation skills to encourage, challenge and inspire his audiences to step beyond their perceived limitations. Mike draws from a wealth of life experiences as an adventurer, comedian, published songwriter, author, philanthropist, and father, to deliver a keynote presentation which is completely energizing and entertaining….more on Corporate Entertainer & Musician Mike Rayburn

Fee Range: $8,500 +;

Travels From: Aldie, Virginia, USA United States of America

Featured Business and Leadership Speaker’s Book Review

David Houle – A futurist and strategist who has been involved in launching such brands as MTV, Nickelodeon, VH1 and CNN. Author of The Shift Age

The Shift Age is about humanity’s new era. As the Information Age gives way to the Shift Age, we are entering a time of transformation and change that offers both great risk and incredible opportunity. Why do things happen so fast? Why do we feel unsettled, even out of control? David Houle identifies and explains the dynamics and forces that already have reshaped and will continue to reshape our world for the next 20 years. He comments from the front lines of the Shift Age on issues and topics that affect our lives. We have entered the final, global stage of humanity’s cultural, social, and economic evolutionary journey: the Shift Age…more on Futurist Speaker and Economic Author David Houle

Fee Range: $7,500 +;

Travels From: Chicago, Illinois, USA United States of America

Sports Celebrity

Jim “The Rookie” Morris – Subject of the award-winning Disney hit film “The Rookie,” starring Dennis Quaid

The Cinderella story of Jim “The Rookie” Morris is testimony to the power of dreams and their ability to inspire and transform human life. His story is the subject of the blockbuster film from Walt Disney, “The Rookie,” starring Dennis Quaid which won the ESPY for “Sports Film of the Year.”….more on Motivational Speaker, Business Speaker, Leadership Speaker Jim “The Rookie” Morris

Fee Range: $10,000 +;

Travels From: Dallas, Texas, USA United States of America

BELIEVE:

Joan Brock – Inspirational Speaker speaking on overcoming great obstacles [with her blindness as the perfect example]

Motivational speaker Joan Brock was forced to re-evaluate and transform her life when she lost her sight in just three weeks. At the time, ironically, Joan was a teacher of the blind and she was able to apply the skills she had been teaching to her own circumstances. Now, in her individually tailored presentations, Joan offers to organizations the benefit of her own experience. t transforming organizations by inspiring individuals to live their life at a higher level of performance. …more on Motivational Speaker and Author, Joan Brock

Fee Range: $10,000 +;

Travels From: Tucson, Arizona, USA United States of America

CONNECT:

Jim Carroll – A world-renowned futurist, trends & innovation expert – who will help you deal with the challenges of the economic correction through a focus on innovation.

Economic and Business Speaker, Jim Carroll is one of the world’s leading futuri
sts, trends & innovation experts. And it’s his inspirational, transformative thinking that will help you discover opportunity in an era of high-velocity change. And in his most recent keynotes and leadership sessions, he has been helping his clients meet the challenges of the economic contraction by focusing on innovation, and by aligning their strategy to fast-paced future trends….more on Economic and Business Speaker Speaker Jim Carroll

Fee Range: $12,500 +;

Travels From: Toronto, Ontario, Canada

INSPIRE:

Andrew Razeghi – A writer, educator, and adviser to organizations on growth strategy, creativity, and innovation.

Andrew Razeghi is a best-selling author, educator, and adviser to organizations on growth strategy, creativity, and innovation. As founder of StrategyLab, Inc. and a popular lecturer on innovation at the Kellogg School of Management at Northwestern University, his work spans industries, from consumer packaged goods to healthcare, tourism to media, and non-profit organizations to professional sports teams. His most-recent book, THE RIDDLE: Where Ideas Come From and How to Have Better Ones (Jossey-Bass/Wiley), was chosen by FAST COMPANY magazine as one of its “Smart Books” of the year. Andrew has appeared in a number of media outlets including BusinessWeek, CBS Interactive, The Chicago Sun-Times, China Daily, El Norte (Mexico), FAST COMPANY, Investor’s Business Daily, NPR, and The San Jose Mercury News…more on Growth Strategy, Creativity and Innovation Speaker, Andrew Razeghi

Fee Range: $30,000 +;

Travels From: Chicago, Illinois, USA United States of America

GROW:

David L. Smith – Economic, Futurist & Market Strategist Speaker

Internationally known speaker and author of Cyclical Investing and The Cassandra Chronicles, David L. Smith offers penetrating insight, accurate forecasts and profitable advice regarding: – U.S. and World economies – Financial and Investment markets – International Trade Global Energy Markets – U.S. Monetary and Fiscal policy – Specific industries and companies David L. Smith explains what is going on in the global economy and financial markets – the good, the bad and the ugly – and how investors and businesses can avoid surprises and deploy resources so as to avoid losses and capture profits in volatile times. If you want “nothing but blue skies,” try a sunshine pundit. However if you want to know what is really going on and how to profit from it, listen to David L. Smith….more on Economic and Futurist Speaker, David L. Smith

Fee Range: $10,000 +;

Travels From: Houston, Texas, USA United States of America

CELEBRATE:

Lisa Earle McLeod – Wickedly funny entertainer, inspirational author, and expert

at surviving economic angst with your dignity – and profit margins – in tact.

With her trademark wit and humor, Lisa reframes the economic challenges to show people how to stay optimistic, and productive, in the face of adversity. A syndicated humor columnist who took her family owned-business from the brink of bankruptcy to profitability, Lisa is a favorite of entrepreneurs, franchisors, real estate professionals, teachers and healthcare workers…more on Corporate Entertainer and Inspirational Humorist, Lisa Earle McLeod

Fee Range: $7,500 +;

Travels From: Atlanta, Georgia, USA United States of America

Sarah Whitten, Marketing Director

Meet Sarah Whitten. Sarah is the Marketing Director at FIVE STAR and has been with organization since March 2006…more on FIVE STAR Speakers Marketing Director, Sarah Whitten.

Qatar’s Shopping Spree

admin — Sat, 21 Aug 2010 01:50:39 +0000

In December the Asian Games were held in this tiny country. The future of the world is discussed in conferences in its five star hotels, and now this country – whose population of 800,000 would not even match a medium-sized city in the UK – is aiming to buy Sainsbury’s, UK’s third largest supermarket with a market capitalization of over 10,000,000,000.

For Qatar may be tiny – from point to point it’s about 100 miles long, which compares to a width of thirty miles for the UK capital city, London – but it is also incredibly rich. In addition to oil reserves, the country shares possession of the largest gas field in the world with Iran.

Its per capita income of over $60,000 per annum makes it one of the richest countries – and even that is a misnomer. The majority of Qatar’s population consists of migrant workers, and while some highly skilled expatriates get extremely well paid jobs, the majority subsist on wages of as little as one hundred pounds a month. Strip out these expats, and the two hundred thousand or so Qataris remaining would have a much bigger slice of the pie. (It also means that the government is spending $5000 per Qatari on this one British company).

The results of this huge inflow of money can be seen throughout the country. In the Al Dafna area more towers every day lurch for the sky – those half built outnumber and out reach those already completed. In such a tiny country one can’t help wondering who will fill them – but the huge money flowing into the country needs to be spent somehow.

And the country just can’t spend it. Despite literally billions spent on infrastructure, it still has massive budget surpluses.

Paradoxically, all this money has even resulted in debt. Interest rates have been held down to 5.5% percent by the central bank. This is despite spiraling inflation – due to the money flowing into the country, and the Central Bank’s insistence on pegging the riyal to the dollar – and of course that low interest rate.

With inflation touching fifteen percent last year, there’s certainly no incentive to save, and with money piling up and banks have been pushing loans hard. Qataris have eagerly accepted the loans – it is estimated that this year ninety percent of holidaying Qataris took out loans to pay for their vacations, and many hammer their credit cards while abroad. There’s little doubt that at least some of the land cruisers you see outside almost every Qatar household are bought on credit.

Given the problems the inflow of money is causing, the Qatar royal family are being very sensible in sending as much of the money as they can straight back abroad. Given the quantity of money they have to spend, large targets like Sainbury’s make sense – and should also provide revenue in the distant future when oil and gas disappears.

All that remains to be seen now is whether Qatar can shovel enough money out to avoid major problems in their country. It’ll take more than one Sainsbury’s to do that!

View Images of Qatar