Chicago Metro - Relationship Banker - Belmont/Harlem - Bank of America - Chicago, IL   
Relationship bankers (RBs) are located in the financial center and are responsible for assisting and educating customers on self-service banking options (for...
From Bank of America - Wed, 22 Mar 2017 23:46:56 GMT - View all Chicago, IL jobs
          Relationship Banker - Westport Financial Center - Bank of America - Westport, CT   
Relationship bankers (RBs) are located in the financial center and are responsible for assisting and educating customers on self-service banking options (for...
From Bank of America - Mon, 15 May 2017 18:37:46 GMT - View all Westport, CT jobs
          Southeast MI - Relationship Banker - Bank of America - Dearborn, MI   
Relationship bankers (RBs) are located in the financial center and are responsible for assisting and educating customers on self-service banking options (for...
From Bank of America - Mon, 15 May 2017 18:36:46 GMT - View all Dearborn, MI jobs
          Universal Banker - Bank Star - Pacific, MO   
Balances ATM and answers costumer inquiries regarding service charges, account history, on-line banking, and mobile banking all in accordance with disclosure...
From Indeed - Thu, 01 Jun 2017 15:26:48 GMT - View all Pacific, MO jobs
          Manager, Paid Search (SEM) - Scotiabank - Toronto, ON   
Requisition ID: 908 The Digital Factory is an innovation hub with a clear and well-supported mandate to transform the way banking technology is delivered, by
From Scotiabank - Tue, 27 Jun 2017 06:46:39 GMT - View all Toronto, ON jobs
          Manager, Paid Social Acquisition - Scotiabank - Toronto, ON   
Requisition ID: 1750 The Digital Factory is an innovation hub with a clear and well-supported mandate to transform the way banking technology is delivered, by
From Scotiabank - Tue, 27 Jun 2017 06:46:14 GMT - View all Toronto, ON jobs
          Java J2EE Application Developer - CIBC - Toronto, ON   
CIBC is a leading Canadian-based global financial institution. Through our three major businesses – Retail and Business Banking, Wealth Management and Capital
From CIBC - Thu, 29 Jun 2017 19:41:40 GMT - View all Toronto, ON jobs
          Comment on Best bank/credit union by G   
I came here to rant. As a 5 year customer of Trustco, I'm fed up. I really tried to give them a chance but they shouldn't even be mentioned on this site. Trustco has to be the worst bank I've ever had. I've just switched to Sefcu today to end the misery. Frankly I really don't know why I've banked with them this long in the first place. Where do I start? Don't use their online banking. Its a joke. It's never accurate. They keep changing my balances, and then say oh its a glitch in the system. Yeah, its a glitch in trustco. Why on earth do you have online banking if it isn't accurate!!! Maybe back in medival times Trustco may have been a great bank if you balance your account with pen and paper. But anything online they can't handle! I paid my mortgage on time as usual via Trustco's online interface. Usually it takes 3-4 days. They decided to pay it a week and a half later causing my payment to be late. Way to go Trustco. This past weekend I checked my account online. It said I have 0 dollars. I can't use my card. I call them up to find out there is another glitch in the system. It wasn't fixed for 3 days. Then 5 days later I see 4 NSF charges on my account. Blasphemy! How do you do that to your customers!!! Anywho. I finally came to my senses and ditched that bank. I feel sorry for anyone who still uses it. Good riddance!
          Chequing Bank Account In The Age Of Digital Banking?   
There was time when people used cheques, and used them a lot. Cheques once accounted for 86 percent...
          Software Engineer - Modern Banking - Omaha, NE   
Experience in MFC C++, MSI and WIX deployment packages, WCF, WPF, LINQ, Team Foundation Server, Object Orientated design, Entity Framework, and advanced MSSQL...
From Indeed - Mon, 01 May 2017 19:02:14 GMT - View all Omaha, NE jobs
          Account Manager - RBC - Assiniboia, SK   
Proactively engage with clients in all areas of the branch and in the community, uncovering banking needs, providing help and advice, as well as identifying...
From RBC - Thu, 22 Jun 2017 22:43:40 GMT - View all Assiniboia, SK jobs
          MT / MLT / MLS / MEDICAL TECHNOLOGIST / GENERALIST   
Posted on: 2017-07-01

Spend your summer in the mountains of Montana! A small rural hospital is seeking a full-time certified Medical Lab Technician or Medical Technologist to help out for a travel assignment. As the MT/MLT, you will be working as a generalist covering various shifts. Your main duties include knowledge in chemistry, hematology, urinalysis, and coagulation and well as basic microbiology. Blood banking duties include type and screen and cross-matching using the gel method. The LIS system you will be using is Healthland. Phlebotomy is required! This is a day/evening shift with rotating call. We have a few new instruments: Stago Satellite for coagualtion, BioFire that does molecular testing by PCR for respiratory and gastrointestional, Dimension EXL for chemistries, Pentra for hematology and Centaur CP does our hepatitis testing. Adventure in this beautiful state and gain valuable experience as an MT/MLT! Apply now! Position: Medical Technologist - Laboratory Specialty/Modality: MT-Generalist Licenses/Certifications: ASCP-MT (Medical Technologist), State License-Medical Lab Technician-Montana Physical Abilities: Up to 20lbs For the most prompt response, please APPLY ONLINE. Resumes may also be sent to medlabjobseekers@aureusmedical.com or call (800) 456-5857 for more information. As always, there is never a fee for candidates to utilize our services. There is a reason why Aureus Medical Group is a national leader in healthcare staffing. Whether working with an employee to locate exciting career opportunities or with a hospital to fill a need at a critical time, our job is to take care of you and the patients we collectively serve - and we do so with the highest degree of honesty and integrity. We bring over 25 years of experience, proven methods, and an unwavering commitment to patient care to the staffing process. With travel, locum tenens, local contract, and direct hire opportunities available nationwide, you're sure to find the perfect fit for your career goals and your lifestyle. Our Account Managers are dedicated by specialty area and there is never a charge to you for our services. Not all staffing companies are alike. We're proud to be different. Experience the Aureus difference. EEO/Veteran/Disabled/E-Verify Employer
          Banking Center Manager - First Financial Corporation - Gridley, IL   
An excellent BCM can multi-task between the teller line and platform area, with no mistakes while demonstrating patience, attention to detail, and the ability...
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Regional Banking Branch Manager 1 - Wells Fargo - Morrisville, PA   
If you are a Wells Fargo Team Member, in your Jobs Profile ensure that your email address is valid and updated to an address that can receive external emails...
From Wells Fargo - Sat, 01 Jul 2017 12:08:47 GMT - View all Morrisville, PA jobs
          Crafting Impact and Technology Strategies as a Quarterback   
Headed into my MBA experience, I knew that my professional journey would be challenging.  In early 2013, I made the decision to leave a great banking career in order to try something that was non-traditional, impactful, and inspiring.  My dream was to become a facilitator of accessibility for underrepresented minorities within technology, but I had […]
          Financial Center Manager III - New Lenox - Fifth Third Bank - New Lenox, IL   
Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education,...
From Fifth Third Bank - Wed, 28 Jun 2017 23:12:49 GMT - View all New Lenox, IL jobs
          Brandon Smith: “Next Phase of Collapse Will Include the End of the Dollar as We Know It”   
Brandon Smith: “Next Phase of Collapse Will Include the End of the Dollar as We Know It”
SOURCE

The Federal Reserve Is A Saboteur – And The “Experts” Are Oblivious
I have written on the subject of the Federal Reserve’s deliberate sabotage of the U.S. economy many times in the past. In fact, I even once referred to the Fed as an “economic suicide bomber.” I still believe the label fits perfectly, and the Fed’s recent actions I think directly confirm my accusations.
Back in 2015, when I predicted that the central bankers would shift gears dramatically into a program of consistent interest rate hikes and that they would begin cutting off stimulus to the U.S. financial sector and more specifically stock markets, almost no one wanted to hear it. The crowd-think at that time was that the Fed would inevitably move to negative interest rates, and that raising rates was simply “impossible.”


Many analysts, even in the liberty movement, quickly adopted this theory without question. Why? Because of a core assumption that is simply false; the assumption that the Federal Reserve’s goal is to maintain the U.S. economy at all costs or at least maintain the illusion that the economy is stable. They assume that the U.S. economy is indispensable to the globalists and that the U.S. dollar is an unassailable tool in their arsenal. Therefore, the Fed would never deliberately undermine the American fiscal structure because without it “they lose their golden goose.”
This is, of course, foolish nonsense.
Since its initial inception from 1913-1916, the Federal Reserve has been responsible for the loss of 98% of the dollar’s buying power. Idiot analysts in the mainstream argue that this statistic is not as bad as it seems because “people have been collecting interest” on their cash while the dollar’s value has been dropping, and this somehow negates or outweighs any losses in purchasing power. These guys are so dumb they don’t even realize the underlying black hole in their own argument.
IF someone put their savings into an account or into treasury bonds and earned interest from the moment the Fed began quickly undermining dollar value way back in 1959, then yes, they MIGHT have offset the loss by collecting interest. However, this argument, insanely, forgets to take into account the many millions of people who were born long after the Fed began its devaluation program. What about the “savers” born in 1980, or 1990? They didn’t have the opportunity to collect interest to offset the losses already created by the Fed. They were born into an economy where saving is inherently more difficult because a person must work much harder to save the same amount of capital that their parents saved, not to mention purchase the same items their parents enjoyed, such as a home or a car.
Over the decades, the Fed has made it nearly impossible for households with one wage earner to support a family. Today, men and women who should be in the prime of their careers and starting families are for the first time in 130 years more likely to be living at home with their parents than any other living arrangement.
People are more likely to be living with their parents now than back during time periods in which young people actually wanted to stay close to their parents to take care of them. That is to say, most young people are stuck at home because they can’t afford to do anything else, not because they necessarily want to be there.
This is almost entirely a symptom of central bank devaluation of the currency and its purchasing potential. The degradation of the American wage earner since the Fed fiat machine began killing the greenback is clear as day.
The Fed is also responsible for almost every single major economic downturn since it was established. As I have noted in the past, Ben Bernanke openly admitted that the Fed was the root cause of the prolonged economic carnage during the Great Depression on Nov. 8, 2002, in a speech given at “A Conference to Honor Milton Friedman … On the Occasion of His 90th Birthday:”
“In short, according to Friedman and Schwartz, because of institutional changes and misguided doctrines, the banking panics of the Great Contraction were much more severe and widespread than would have normally occurred during a downturn.
Let me end my talk by abusing slightly my status as an official representative of the Federal Reserve. I would like to say to Milton and Anna: Regarding the Great Depression. You’re right, we did it. We’re very sorry. But thanks to you, we won’t do it again.”
Bernanke is referring in part to the Fed’s program of raising interest rates into an economic downturn, exacerbating the situation in the early 1930’s and making the system highly unstable. He lies and says the Fed “won’t do it again;” they are doing it RIGHT NOW.
The Fed was the core instigator behind the credit and derivatives bubble that led to the crash in 2008, a crash that has caused depression-like conditions in America that we are still to this day dealing with. Through artificially low interest rates and in partnership with sectors of government, poor lending standards were highly incentivised and a massive debt trap was created. Former Fed chairman Alan Greenspan publicly admitted in an interview that the central bank KNEW an irrational bubble had formed, but claims they assumed the negative factors would “wash out.”
Yet again, a Fed chairman admits that they either knew about or caused a major financial crisis. So we are left two possible conclusions — they were too stupid to speak up and intervene, or, they wanted these disasters to occur.
Today, we are faced with two more brewing bubble catastrophes engineered by the Fed: The stock market bubble and the dollar/treasury bond bubble.
The stock market bubble is rather obvious and openly admitted at this point. As the former head of the Federal Reserve Dallas branch, Richard Fisher, admitted in an interview with CNBC, the U.S. central bank in particular has made its business the manipulation of the stock market to the upside since 2009:
“What the Fed did — and I was part of that group — is we front-loaded a tremendous market rally, starting in 2009.
It’s sort of what I call the “reverse Whimpy factor” — give me two hamburgers today for one tomorrow.”
Fisher went on to hint at his very reserved view of the impending danger:
“I was warning my colleagues, Don’t go wobbly if we have a 10 to 20 percent correction at some point… Everybody you talk to… has been warning that these markets are heavily priced.” [In reference to interest rate hikes]
The Fed “front-loaded” the incredible bull market rally through various methods, but one of the key tools was the use of near-zero interest rate overnight loans from the central bank, which corporations around the world have been exploiting since the 2008 crash to fund stock buybacks and pump up the value of stock markets. As noted by Edward Swanson, author of a study from Texas A&M on stock buybacks used to offset poor fundamentals:
“We can’t say for sure what would have happened without the repurchase, but it really looks like the stock would have kept going down because of the decline in fundamentals… these repurchases seem to hold up the stock price.”
In the initial TARP audit, an audit that was limited and never again duplicated, it was revealed that corporations had absorbed trillions in overnight loans from the Fed. It was at this time that stock buybacks became the go-to method to artificially prop up equities values.
The problem is, just like they did at the start of the Great Depression, the central bank is once again raising interest rates into a declining economy. This means that all those no-cost loans used by corporations to buy back their own stocks are now going to have a price tag attached. An interest rate of 1% might not seem like much to someone who borrows $1000, but what about for someone who borrows $1 Trillion? Yes, borrowing at ANY interest rate becomes impossible when you need that much capital to prop up your stock. The loans have to be free, otherwise, there will be no loans.
Thus, we have to ask ourselves another question; is the Fed really ignorant enough to NOT know that raising rates will kill stock markets? They openly admit that they knew what they were doing when they inflated stock markets, so it seems to me that they would know how to deflate stock markets. Therefore, if they deliberately engineered the market rally with low interest rates, it follows that they are deliberately engineering a crash in markets using higher interest rates.
Mainstream economists and investment “experts” appear rather bewildered by the Federal Reserve’s exuberance on rate hikes. Many assumed that Janet Yellen would hint at a pullback from the hike schedule due to the considerable level of negative data on our fiscal structure released over the past six months. Yellen has done the opposite. In fact, Fed officials are now stating that equities and other assets appear to be “overvalued” and that markets have become complacent. This is a major reversal from the central bank’s attitude just two years ago. The fundamental data has always been negative ever since the credit crisis began. So what has really changed?
Well, Donald Trump, the sacrificial scapegoat, is now in the White House, and, central bank stimulus has a shelf life.  They can’t prop up equities for much longer even if they wanted to. The fundamentals will always catch up with the fiat illusion. No nation in history has ever been able to print its way to prosperity or even recovery. The time is now for the Fed to pull the plug and lay blame in the lap of their mortal enemy – conservatives and sovereignty champions. They will ignore all financial reality and continue to hike. This is a guarantee.
In the Liberty Movement the major misconception is that the Fed is attempting to “catch up” to the next crash by raising interest rates so that they will be ready to stimulate again. There is no catching up to this situation. The Fed has no interest in saving stock markets or the economy. Again, the fed has raised rates before into fiscal decline (during the Great Depression), and the result was a prolonged crisis. They know exactly what they are doing.
What does the Fed gain from this sabotage? Total centralization. For example, before the Great Depression there used to be thousands of smaller private and localized banks in America. After the Great Depression most of those banks were either destroyed or absorbed by elite banking conglomerates. Banking in the U.S. immediately became a fully centralized monopoly by the majors. In a decade, they were able to remove all local competition and redundancy, making communities utterly beholden to their credit system.
The 2008 crash allowed the banking elites to introduce vast stimulus measures requiring unaccountable fiat money creation. Rather than saving America from crisis, they have expanded the crisis to the point that it will soon threaten the world reserve status of our currency. The Fed in particular has set the U.S. up not just for a financial depression, but for a full spectrum calamity which will include a considerable devaluation (yet again) of our currency’s value and resulting in extreme price inflation in necessities.
The next phase of this collapse will include the end of the dollar as we know it, making way for a new global currency system that uses the IMF’s SDR basket as a foundation. This plan is openly admitted in the elitist run magazine ‘The Economist’ in an article entitled “Get Ready For A Global Currency By 2018.
It is important to understand what the Fed actually is — the Fed is a weapon. It is a weapon used by globalists to destroy the American system at a given point in time in order to clear the way for a new single world economy controlled by a single managerial entity (most likely the IMF or BIS). This is the Fed’s purpose. The central bank is not here to save the U.S. from harm, it is here to make sure the U.S. falls in a particular manner — a controlled demolition of our fiscal structure.


The US Is Becoming A 3rd World Nation As The Economy Breaks Down: Paul Craig Roberts

 



          Vice President Internal Audit - Credit Risk   
NY-New York, Global Foreign Bank on the forefront of regulatory change Vacancy due to growth from increased regulatory demands Client Details Multinational banking and financial services firm Corporate & investment banking, private banking and asset management Description Contribute to stages of assigned credit audit missions Assist in the audit department's continuous monitoring program Ability to stay abreas
          Internal Audit- TRID   
CT-Stamford, The New York Experis Finance office is seeking a highly qualified Financial Service Internal Audit professional for an upcoming project with a mid-size financial banking institution in Connecticut. Description: Experis provides risk advisory services, to clients that include 14 out of the 20 largest bank holding companies along with regional and community banks. Representing approximately one-thir
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Our best BCMs develop and cultivate long-term customer relationships, ensuring high retention. Assist the Company in accomplishing our vision:....
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Pressure on farmers eases   
The number of farmers coming under "undue" pressure from their banks has eased slightly on the back of an improved farming outlook. Federated Farmers' latest banking survey, completed in May, showed 8.5% of  farmers surveyed reported...
          Comment on Cara Mudah Aktivasi Internet Banking BRI Versi Mobile di Smartphone by Dede Nandang   
BRI mobile di download bukan menggunakan playstore ya tetapi kita dapat link dari bri, jika dari playstore hanya bisa sms banking saja tanpa internet banking
          Financial Center Manager III - New Lenox - Fifth Third Bank - New Lenox, IL   
Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education,...
From Fifth Third Bank - Wed, 28 Jun 2017 23:12:49 GMT - View all New Lenox, IL jobs
          Projaxis Ltd - Projaxis.com   
I am NOT the Admin or Owner of this program!

Projaxis Ltd

QUOTE
WELCOME TO OUR COMPANY

The company has an impeccable background when it comes to hosting investors needs. Integration with our company is also very seamless this is because it is comprised of experienced traders and technologists who value clients' services. Also, another exciting aspect of being a member of our company is that you will be part of a peer to peer banking, trading, and currency exchange system.

ABOUT US

Projaxis Ltd is an active company incorporated on 17 May 2012 with the registered office located in Suffolk. Projaxis Ltd has been running for 5 Years With Management consultancy activities and financial management. but now projaxis Inc is an investment company uniting forex traders. Years of successful development for money management in private section ensured us that we are ready to open our service to the whole world. Internet has become the most convenient and widespread communication source, that's why in view of responsibility we decided to bring our service via internet and attract investors online.


Investment Plan:
QUOTE
10 days 3% daily
Plan Amount Spent ($) Daily Profit (%)
Plan 1 2.20
Plan 2 $101.00 - $1000.00 2.50
Plan 3 $1001.00 - $5000.00 3.00

20 days 3.4% daily
Plan Amount Spent ($) Daily Profit (%)
Plan 1 $10.00 - $100.00 3.20
Plan 2 $101.00 - $1000.00 3.30
Plan 3 $1001.00 - $5000.00 3.40

30 days 4.2% daily
Plan Amount Spent ($) Profit (%)
Plan 1 $10.00 - $100.00 4.00
Plan 2 $101.00 - $1000.00 4.10
Plan 3 $1001.00 - $5000.00 4.20

200% after 20 days
Plan Amount Spent ($) Profit (%)
Plan 1 $10.00 - $100.00 180.00
Plan 2 $101.00 - $1000.00 190.00
Plan 3 $1001.00 - $5000.00 200.00



Payment Processor : PerfectMoney , Payeer , Bitcoin

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          App-based banking continues its ascent in the UK   
The number of people banking from their mobile phones is increasing as more services are made available through the channel
          French Bank BNP Paribas Accused Of Complicity In Rwandan Genocide   
Three civil society groups in France have filed a lawsuit against French banking giant BNP Paribas, accusing it of complicity in the 1994 Rwandan genocide that killed more than 800,000 people. The groups Sherpa, the Collectif des Parties Civiles pour le Rwanda and Ibuka France said Thursday that the bank transferred $1.3 million that was used to purchase weapons, in violation of a U.N. arms embargo. They say it's the first lawsuit of its kind against a bank in France. The Rwandan genocide started after the plane of Rwandan President Juvenal Habyarimana, an ethnic Hutu, was shot down. Hutu militias then massacred members of the minority Tutsi ethnic group over the course of 100 days. BNP Paribas has not addressed the allegations. "We became aware of the complaint through media," it said in an emailed statement to NPR. "At the moment, we do not have enough information regarding the complaint to be able to comment on it." The groups allege that one month after the U.N. implemented an arms
          IBPS (Institute of Banking Personnel Selection) Recruitment 2017 Apply Online for 14192 Office Assistant, Officers vacancy before 1st August 2017   
IBPS invites application for Recruitment of 14192 Office Assistant, Officers and regarding this a job advertisement is published in www.ibps.in . and in employment news. All Interested Aspirants who want to apply for Office Assistant, Officers opening in Institute of Banking Personnel Selection on 14192 and have Bachelor’s Degree, MBA, Charted Accountant can Apply Online.Candidates are advised to check all eligibility requirements such as qualification, experience, upper age limit before applying from IBPS recruitment notification summered below:-

Institute of Banking Personnel Selection Recruitment Notification 2017 (www.ibps.in .)

Post Name and Total No. of Vacancies - 14192 posts
1. Office Assistant - 7374
2. Officers Scale I - 4865
3. Officers Scale II (Agriculture Officer) - 169
4. Officers Scale II (Marketing Officer) - 33
5. Officers Scale II (Treasury Manager) - 11
6. Officers Scale II (Law Officer) - 21
7. Officers Scale II (Chartered Accountant) - 34
8. Officers Scale II (Information Technology Officer) - 83
9. Officers Scale II (General Banking Officer) - 1395
10. Officers Scale III - 207 posts

Employment Terms - Full time

Experience Requirements - : Freshers jobs

Place of Posting - Across India

Selection Process - Selection will be done according to the direction of selection committee and based on the performance in the Online Examination, Interview.

Age Criteria - Candidate age must be between 18 to 28 years (for Office Assistant), 18 to 30 years (for Officers Scale I), 21 to 32 years (for Officers Scale II), 21 to 40 years (for Officers Scale III) as on 01-07-2017. Age relaxations will be applicable only in upper age limit as per the norms for individual posts age criteria check job advertisement.

Educational Qualification - Interested Aspirant who want to take part in IBPS recruitment process must have Bachelor’s Degree, MBA, Charted Accountant Certificates/Degree or its equivalent Qualification from a recognized Board / University. Post wise qualification is mentioned in Qualification criteria section in notification.


How To Apply - Interested aspirant can fill online application form www.ibps.in . before or on 01-08-2017

Application Fee
  1. For General/OBC Candidates Application Fee is - 600/- 
  2. For All Other Candidates (SC/ST/PWD/EXSM (Office Assistant) ) Application Fee is - 100/-
Important dates - Last date for Online Registration of Application : 01-08-2017


          Reply #1922   
My main picks are 439 438 489 These #'s are on both of Raven's list for 10/21 and 10/22, I am LESS confident about 012 then REPEAT 013 I don't see the 129 nor the 126 as much as I did in the middle of the month they could be waiting to pop the LAST day of the month or very near it. I feel since a pattern has come with the fact that a 5 ONLY comes at night the next draw we usually get a 3 or 7 or both so I am banking on the 3 to come back from last nights 5
          ANZ says seeking to uncover metals fraudsters after big losses   
LONDON/ MELBOURNE, June 29- Australia and New Zealand Banking Group is seeking to uncover who was behind a metals fraud in Asia that cost it "substantial losses" and led to transfers of $151 million to the United States, according to court papers filed in California. This is the second legal action that has emerged following the announcement in January by...
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Rivière du Loup Primary Location : QC-Bas-St-Laurent-Riviere-du-Loup Employee Status : Regular Schedule : Full-time Number
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Matane Primary Location : QC-Bas-St-Laurent-Matane Employee Status : Regular Schedule : Full-time Description For the
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          Duty Manager - PVR Hubli - Hubli, Karnataka   
Includes issuing of daily floats, handling cinema imprest, shift banking, shortage control etc. Monitors and controls, on an on-going basis:....
From Indeed - Mon, 29 May 2017 07:10:13 GMT - View all Hubli, Karnataka jobs
          Reply #490   
JordanT1021 - Tuesday Midday Prediction is: 507 - 507 - 507 - 507 - 507

I hope to be rubberband man banking today...
          Teller (Full -Time) - Kona Banking Center - Bank of Hawaii - Island of Hawai‘i, HI   
Bank of Hawaii In 1897, Bank of Hawaii was the first chartered and incorporated bank in the Republic of Hawaii. We’ve been here from territorial days,
From Bank of Hawaii - Thu, 25 May 2017 04:56:21 GMT - View all Island of Hawai‘i, HI jobs
          How to Build a Robo Advisor: Advice for Starting a Robo Advisory   

MyPrivateBanking Robo AdvisorWith the tremendous growth in robo advisor assets under management (AUM), financial institutions are scrambling to figure out how to build and become a robo advisor.

Starting a robo advisor service combines financially savvy with big data analytics, as well as a comprehensive understanding to how robo advisors work.

How Do Robo Advisors Work?

Robo advisors are platforms that leverage algorithms to handle users' investment platforms. These services analyze each customer's current financial status, risk aversion, and goals. From here, they recommend the best portfolio of stocks available based on that data.

And these automated financial services are poised to transform the tremendous worldwide wealth management industry. 

MyPrivateBanking's report, Robo Advisor 3.0, takes an in-depth look at the basic challenge of every robo advisor: how to craft a presence that succeeds in convincing website visitors to sign up as investors and then remain on board.

In this data-driven assessment, the report looks at the characteristics, business models, and strengths and weaknesses of the top robo advisors around the world. The research was conducted on a total of 76 active robo advisors worldwide - 29 in the U.S. and Canada, 38 in seven European countries and nine in the Asia-Pacific region. We've compiled a full list of robo advisors analyzed below.

The exhaustive report provides comprehensive answers and data on how to optimize the individual onboarding stages (How it works, Client Assessment, Client Onboarding, Communication and Portfolio Reporting) and details five best practices for each stage. Furthermore, the report provides strategies to appeal to different segments such as Millennials, baby boomer investors approaching retirement, and high net worth individuals (HNWIs), and analyzes the impact of new technologies.

The report provides comprehensive analysis and data-driven insights on how to utilize robo advisors to win and keep clients:

  • What a robo advisor platform should offer to successfully convert prospects into happy clients.
  • Which robo advisor features work and why.
  • What are best practices for the different stages in the digital customer journey.
  • How long clients need to onboard on the surveyed robo advisors and which specialized offers are given.
  • What the client assessment process should include 
  • How client communication should be (inbound for customer service and outbound for news, education and commentary).
  • What good portfolio reporting looks like, so that it meets the information needs of the customer.
  • How B2B providers are positioned in the development of robo advisory services and what they offer.
  • How robo advisors should adopt their strategies to appeal to different segments such as Millennials, baby boomer investors approaching retirement, and high net worth individuals (HNWIs).
  • Which robo advisors provide specialized options such as micro-investing, rewards schemes or hedging strategies, and in what manner.
  • What the impacts of new technologies are, such as the use of artificial intelligence for client interaction and narrative generation on the robo advisor model.
  • How the future of digital success will look for robo advisors.
  • Appendix containing data on the web presences of more than 70 robo advisors alongside the digital customer journey process.
  • And much more.

>> Click here for Report Summary, Table of Contents, Methodology <<

Analyzed robo advisors in this report include:

North America: Acorns, Asset Builder, Betterment, Blooom, Bicycle Financial, BMO SmartFolio, Capital One Investing, Financial Guard, Flexscore, Future Advisor, Guide Financial, Hedgeable, iQuantifi, Jemstep, Learnvest, Liftoff, Nest Wealth, Personal Capital, Rebalance IRA, Schwab Intelligent Portfolios, SheCapital, SigFig, TradeKing Advisors, Universis, Wealthbar, Wealthfront, Wealthsimple, Wela, Wisebanyan 

Europe: AdviseOnly, Advize, comdirect, Easyfolio, EasyVest, ETFmatic, Fairr.de, FeelCapital, Fiver a Day, Fundshop.fr, GinMon, Investomat, KeyPlan, KeyPrivate, Liqid, Marie Quantier, Money on Toast, MoneyFarm, Nutmeg, Parmenion, Quirion, rplan, Scalable Capital, Simply EQ, Sutor Bank, Swanest, SwissQuote ePrivateBanking, True Potential Investor, True Wealth, Vaamo, VZ Finanz Portal, Wealth Horizon, Wealthify, WeSave, Whitebox, Yellow Advice, Yomoni, Zen Assets.

Asia-Pacific: 8 Now!, Ignition Direct & Ignition Wealth, InvestSMART, Mizuho Bank Smart Folio, Movo, Owners Advisory, QuietGrowth, ScripBox, StockSpot

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If you’re involved in the financial services industry at any level, you simply must understand the paradigm shift caused by robo advisors.

Investors frustrated by mediocre investment performance, high wealth manager fees and deceptive sales techniques are signing up for automated investment accounts at a record pace.

And the robo advisor field is evolving right before our eyes. Firms are figuring out on the fly how to best attract, service and upsell their customers. What lessons are they learning? Who’s doing it best? What threats are traditional wealth managers facing? Where are the opportunities for exponential growth for firms with robo advisor products or models?

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          Why ATM will not go extinct anytime soon in India   
In India, some technocrats have started saying that payment cards would become virtual by 2020 and the ATM industry has no future, but cash is still king.
          Banks or India Inc: Who will come back from the brink first?   
Delayed mega-projects, a resultant debt overhang and bankers determined to haul errant promoters to the bankruptcy courts have spooked corporate India.
          North Dakota the Best Place for Millennials, Financial Site Says   
By InForum
Forget the coasts, young folks. The Midwest is where it's at if you're a millennial, new research finds.

North Dakota is the best state for millennials, with South Dakota the runner-up, according to research by MoneyRates.com, a site that provides banking information for consumers.

The site examined eight criteria, including unemployment rates, rental rates, night life and access to broadband internet.

North Dakota was tops in broadband access, and in the top 10 for rental affordability and concentration of places to spend a fun night out, the site found.

The state has a high proportion of young adults, with 10.49 percent of the state's population being 20 to 24 years old, the third-highest rate in the country, MoneyRates said.

Rounding out the top five states were Nebraska, Iowa and Montana.

It's a notion that goes against the stereotype of where a young person might want to live. The West Coast fared badly, with Washington state as the worst and California as the fourth-worst state for millennials, the site said. Virginia and Arizona tied for second worst and Vermont came in fifth.

Millennials make up an age group born ranging from the early 1980s to around 2000.

The site also found North Dakota had the lowest unemployment rate for people ages 20-24 at 4.6 percent, compared to 10.7 for an average state in the nation.

Best and worst

Best states for millennials
• North Dakota
• South Dakota
• Nebraska
• Iowa
• Montana
• Louisiana
• Indiana
• Kansas
• Wyoming
• Texas

Worst states for millennials
• Washington
• Virginia (tied for 2nd)
• Arizona (tied for 2nd)
• California
• Vermont
• New Hampshire
• Oregon
• Maine
• Delaware
• Kentucky

North Dakota the Best Place for Millennials, Financial Site Says - Inforum.com

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          Bilingual Volunteer Program Coordinator - New York, NY   
Overview: This is a unique opportunity for someone interested in helping to expand a cutting edge model of community building called TimeBanking. Work with community members of all ages promoting a program of neighbors helping neighbors. For every hour of service...
          Shale Boom Helps North Dakota Bank Earn Returns Goldman Would Envy   
By Wall Street Journal
Displaying WSJ Harmeyer.jpgIt is more profitable than Goldman Sachs Group Inc., has a better credit rating than J.P. Morgan Chase & Co. and hasn’t seen profit growth drop since 2003.

Meet Bank of North Dakota, the U.S.’s lone state-owned bank, which has one branch, no automated teller machines and not a single investment banker.

The reason for its success? As the sole repository of the state of North Dakota’s revenue, the bank has been one of the biggest beneficiaries of the boom in Bakken shale-oil production from hydraulic fracturing, or fracking. In fact, the bank played a crucial part in kick-starting the oil frenzy in the state in 2008 amid the financial crisis.

When other banks around the U.S. were curtailing lending and increasing reserves, Bank of North Dakota helped smaller banks in the state ride out the crisis by providing them with letters of credit, loan sales and bank stock. Since then, its total assets have more than doubled, to $6.9 billion last year from $2.8 billion in 2007. By contrast, assets of the much bigger Bank of America Corp. have grown much more slowly, to $2.1 trillion from $1.7 trillion in that period.

Much of that growth has been fueled by surging deposits of mineral-rights royalty payments and taxes stemming from North Dakota’s leap from the country’s sixth-largest oil producer to its second largest over the past five years. The bank taps those coffers to extend loans for new businesses, infrastructure such as hospitals and purchases of new homes, all of which have seen increased demand as oil workers flock to the state.

Set up in 1919 under a socialist-oriented government that represented farmers frustrated with out-of-state commodity and railroad owners, the bank treads a fine line between the private and public sectors in what today is a solidly Republican state. It traditionally extends credit, or invests directly, in areas other lenders shun, such as rural housing loans.

The bank’s mission is promoting economic development, not competing with private banks. “We’re a state agency and profit maximization isn’t what drives us,” President Eric Hardmeyer said. At the same time, he said “it’s important to me that we show a respectable bottom line” to taxpayers, noting that the bank historically has returned profits to the state’s coffers.

Its profit, which hit $94 million last year, has grown by double-digit percentages annually since 2010. Return on equity, a measure of profitability, is 18.56%, about 70% higher than those at Goldman Sachs and J.P. Morgan. To be sure, Goldman Sachs and J.P. Morgan are much larger institutions with more complex balance sheets.

North Dakotans can open a personal account at the bank’s only branch in downtown Bismarck, the state capital. But the bank offers few of the perks offered by traditional lenders and says retail banking accounts for just 2%-3% of its business. The bank’s focus is providing loans to students and extending credit to companies in North Dakota, often in partnership with smaller community banks.

Bank of North Dakota also acts as a clearinghouse for interbank transactions in the state by settling checks and distributing coins and currency. “We get compared to a little, mini Federal Reserve” on the prairie, said Mr. Hardmeyer, who has led the bank for nearly 14 years.

For years, Bank of North Dakota paid exactly $30 million annually back into the state’s general budgetary fund. But with North Dakota’s coffers flush with oil revenue, the legislature hasn’t requested the payments from the bank since 2010. Its loan book has expanded, but not fast enough to keep up with deposits and retained earnings.

It recently started offering mortgages to individuals in the most underserved corners of the state. But Mr. Hardmeyer dismisses any notion the bank could run into trouble with deadbeat borrowers. “We know our customers,” he said. “You’ve got to understand the conservative nature of this state. Nobody here is really interested in making subprime loans.”

Five years ago, Bank of North Dakota lent about 90% of its deposits, but that ratio shrank to around 60% in 2013.

Standard & Poor’s Ratings Services last month reaffirmed its double-A-minus rating of the bank, whose deposits are guaranteed by the state of North Dakota. That is above the rating for both Goldman Sachs and J.P. Morgan and among U.S. financial institutions, second only to the Federal Home Loan Banks, rated double-A-plus.

Lawmakers in a few other states such as Colorado and Maryland have advanced proposals to emulate Bank of North Dakota and set up state-owned lenders in recent years, so far without success. “Last year was a peak in terms of introducing these bills,” said Mathew Street, deputy general counsel at the American Bankers Association. “However many bills have been introduced, none have passed since 1919,” he said.

North Dakota officials hesitate to tout the bank as a model. “We think it’s worked well for us, but only because we’re very careful about how we use it,” said North Dakota Gov. Jack Dalrymple.

Not all of Bank of North Dakota’s initiatives have succeeded. One misfire in the early 2000s involved financing “Wooly Boys,” a film starring Peter Fonda and Kris Kristofferson. The movie, about a sheep rancher’s family, was a box-office flop. The bank, which had hoped to spark a tourism boom similar to that in South Dakota after the release of the Kevin Costner hit “Dances with Wolves,” wrote off the loss.

Shale Boom Helps North Dakota Bank Earn Returns Goldman Would Envy - The Wall Street Journal

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          How bank networks amplify financial crises: Evidence from the Great Depression   

How bank networks amplify financial crises: Evidence from the Great Depression

Kris Mitchener, Gary Richardson 28 May 2016

How financial networks propagate shocks and magnify recessions is of interest to both scholars and policymakers. The financial crisis of 2007-8 convinced many observers that financial networks were fragile, and while reforms are underway, much remains to be learned about how and why connections between financial firms matter for the macroeconomy. Indeed, the complexity and sheer number of linkages has made it particularly challenging to formulate empirical estimates of their role in amplifying downturns.

Economic theory suggests many channels through which networks may transmit shocks (Allen and Gale 2000, Cabellero and Simesek 2013) and empirical research has provided some evidence of contagious failures flowing through interbank markets, particularly for the recent financial crisis in the US and Europe (Puhr et al. 2012, Fricke and Lux 2012). History should have a lot to say about the role of networks in contributing to the severity of financial crises, but it is a surprisingly lightly studied aspect of earlier periods of financial turmoil – even for well-researched episodes such as the Great Depression. This lacuna exists despite the fact that financial networks of the past may be simpler in structure, thus making it somewhat easier to identify empirically how aggregate variables, such as lending, were affected when linkages were disrupted.

In a recent paper, we document how the interbank network transmitted liquidity shocks through the US banking system and how the transmission of these shocks amplified the contraction in real economic activity during the Great Depression (Mitchener and Richardson 2016). The paper contributes to the growing literature on financial networks and the real economy, illuminating both a mechanism for transmission (interbank deposits) as well as a source of amplification (balance-sheet effects). It also introduces an additional channel through which banking distress deepened the Great Depression and complements existing research on how bank distress during the Great Depression influenced the real economy.

We describe how a pyramid-like structure of interbank deposits developed in the 19th century, how the founding of the Fed altered the holdings of these deposits, and how this structure then influenced real economic activity during periods of severe distress, such as banking panics (Mitchener and Richardson 2016). The interbank network that existed on the eve of the Great Depression linked large money centre banks in New York and Chicago to tens of thousands of smaller rural banks throughout the US. The money centre banks served as correspondents holding deposits from institutions in the countryside. Interbank balances exposed correspondent banks to shocks afflicting banks in the hinterland. Interbank deposits were a liquid source of funds that could be deployed to meet sudden demands by depositors to convert claims to cash, and the removal of these deposits from correspondent banks peaked during periods that contemporary commentators described as – and that our detailed statistical analysis of bank suspensions confirms were – banking panics. Although the pyramided system of interbank deposits could handle idiosyncratic bank runs, when runs clustered in time and space (i.e. when panics occurred) the system became overwhelmed in the sense that banks higher up the pyramid were forced to adjust to these changes in liabilities by changing their assets (i.e. lending).

We use the timing and location of these panics to statistically identify the causal relationship between panics, deposit withdrawals, and the decline in lending that occurred in banks in reserve and central reserve cities throughout the US. During periods identified as panics, withdrawals of interbank deposits forced correspondent banks to reduce lending to businesses. These interbank outflows led to a substantial decline in aggregate lending, equal to approximately 15% of the total decline in commercial bank lending in the US, from the peak in 1929 to the trough in 1933.

Ironically, the Federal Reserve System had been created with the purpose of preventing crises such as those that had regularly plagued the banking system in the 19th century. We help to explain why the Fed failed to fulfil this basic responsibility. Because the Fed failed to convince roughly half of all commercial banks to join the system, a pyramided-structure of reserves persisted into the third decade of the 20th century and created a channel through which the interbank deposit could influence real economic activity. In theory, pyramided reserves could have been deployed to help troubled banks, but during the banking panics of the 1930s, just as in the panics of the late 19th century, the total size of these withdrawals overwhelmed correspondent banks, leaving those banks with the choice of either saving themselves, contracting on the asset side of their balance sheets, or borrowing from the Fed. With the Fed unable or unwilling to provide sufficient liquidity to support distressed correspondent banks, they were forced to react to interbank outflows by reducing lending, thus amplifying the decline in investment spending. Although the mechanism is new, our results corroborate other studies on the Depression, which emphasise how banking distress reduced loan supply (Bernanke 1983, Calomiris and Mason 2003b).

What might have alleviated this problem? One solution would have been for the Federal Reserve to extend sufficient liquidity to the entire financial system. The Fed could have done this by lending funds to banks in reserve centres. In turn, those banks could have loaned funds to their interbank clients. To do this, banks in reserve centres would have had to accept as collateral loans originated by non-member banks. Banks in reserve centres would, in turn, need to use those assets as collateral at the Federal Reserve’s discount window. However, leaders of the Federal Reserve disagreed about the efficacy and legality of such action.

Another potential solution would have been to compel all commercial banks to join the Federal Reserve System and require all commercial banks to hold their reserves at a Federal Reserve Bank. Due to powerful political lobbies representing state and local bankers, however, Congress was unwilling to contemplate legislation that would have effected such changes. Had they done so, the pyramid structure of required reserves would have ceased to exist, and the interbank amplifier, as defined here, would have been dramatically diminished. That said, given the inaction of some Federal Reserve Banks during the 1930s, had such changes taken place, they may have magnified banking distress as more banks would have depended on obtaining funds through Federal Reserve Banks that adhered to the real bills doctrine. As we show, the costs of the pyramid in terms of a contraction in lending were substantial, but banks still met some of their short-term needs through this structure during the turbulent periods of banking distress.

References

Allen, F and D Gale (2000) “Financial contagion,” Journal of Political Economy 108:1-33.

Bernanke, B S (1983) “Nonmonetary effects of the financial crisis in the propagation of the Great Depression”, American Economic Review, 73(3): 257-276.

Caballero, R J and A Simsek (2013) "Fire sales in a model of complexity", The Journal of Finance, 68(6): 2549-2587.

Calomiris, C W and J R Mason (2003b) “Consequences of bank distress during the Great Depression”, American Economic Review, 93: 937-47.

Fricke, D and T Lux (2012) “Core-periphery structure in the overnight money market: Evidence from the e-MID trading platform”, Kiel Institute for the World Economy, Working Paper No 1759.

Mitchener, K and G Richardson (2016) “Networked contagion and interbank amplification during the Great Depression”, CEPR Discussion Paper 11164.

Puhr, C, R Seliger and M Sigmund (2012) “Contagiousness and vulnerability in the Austrian interbank market”, OeNB Financial Stability Report, No 24, Oesterreichische Nationalbank.

Topics:  Economic history Financial regulation and banking Global crisis

Tags:  US, Great Depression, networks, financial network, banks, banking system, Fed, banking network, liquidity shocks, reserves


          The nature and effectiveness of central-bank communication   

The nature and effectiveness of central-bank communication

Stephen Hansen, Michael McMahon 03 February 2016

Over the past two decades, central bank communication has become an increasingly important policy instrument. Figure 1 plots the use of the phrase “central bank communication” in English books over the recent past. Usage rapidly expands after essentially no coverage before 2000. One illustrative example is the recent decision of the US Federal Reserve’s Federal Open Market Committee (FOMC) to raise policy rates by 25 basis points on 16 December 2015. While markets widely anticipated this decision, there was a great deal of speculation beforehand about the statement the Federal Reserve would release with its decision that would outline its views on economic conditions and forward guidance on future policy decisions.

Figure 1. Frequency of phrase “central bank communication” in Google Books corpus over time

Note: y-axis scale is *10e-10 percentage points.
Source: Google Ngram Viewer.

The importance of communication to monetary policy has risen alongside a recognition that controlling market expectations is as important – if not more so – than setting the actual overnight policy rate. Communication is one of the main channels through which central bankers can affect market beliefs about its future actions. Evidence of this comes from the event-study analysis of Gürkaynak et al. (2005), who show that on Fed decision days the statement moves markets beyond the effect of the change in contemporary policy rate. More generally, once one accepts the importance of communication in shaping expectations, an important issue is to design the optimal communication policy (Reis 2013).

While the literature has established that communication can drive expectations, it has not pinned down the mechanism by which it does. In other words, given that central bankers can speak about a variety of issues, which ones are most important for driving market outcomes? Our recent paper builds on the computational linguistics techniques developed by Blei et al (2003) and introduced to the economics literature by Hansen et al (2014) to address this question (see Hansen and McMahon 2016).

Measuring central bank communication

For our analysis, we consider Fed statements from 1998 up to 2014. These statements – released when the policy interest rate is announced after each FOMC meeting – provide short summaries of the FOMC’s thinking behind interest rate decisions. There are eight such meetings each year. Central bank communication can give information along (at least) two distinct dimensions. First, the Fed has in place a large infrastructure for determining economic conditions, not all of which is available to market participants. By disclosing its views on conditions, the Fed can provide additional information to outsiders. Second, the FOMC can indicate how it expects to set future policy, so-called ‘forward guidance’.

To measure communication about economic conditions, we first estimate a topic model called Latent Dirichlet allocation (Blei et al 2003) on the set of paragraphs of all Fed statements in our sample. This both estimates topics or coherent themes within the data, and then decomposes each paragraph into the percentage of time it spends covering each topic. Importantly, there are no pre-defined labels on topics; instead, the algorithm groups together words in a completely data-driven way. After estimating topics, we identify several that pertain to economic conditions – prices and inflation; the demand side of the economy; labour market conditions; and growth prospects. Figure 2 illustrates the topic pertaining to labour market conditions as a word cloud in which the size of the word is proportional to the probability it appears in the topic.

Figure 2. Example topic about economic conditions

For the next step, we identify which paragraphs are predominantly about economic conditions and then, within these paragraphs, count the number of ‘expansionary’ words – such as “increasing”, “accelerating”, etc. – and subtract the number of ‘contractionary’ words such as “weak”, “slow”, etc. (The specific lists are taken from Apel and Blix Grimaldi 2012). This allows us to construct an index for each meeting’s statement of how positive the Fed is about economic conditions.

To measure forward guidance, we manually identify relevant paragraphs.1 We take a broader conception of forward guidance than some of the recent literature. We consider paragraphs to contain forward guidance if they reflect conditional statements about the extent of monetary support going forward, if they contain the date-based guidance of the FOMC in recent years, or if the FOMC statement is clear about the balance of risks as seen by the FOMC. To form our measure of a particular meeting’s forward guidance, we multiply the share of a statement’s total words made up of paragraphs about forward guidance and multiply it by the overall direction of the guidance (an increase in future rates = 1; a neutral stance = 0; and a decrease in future rates = -1). To arrive at the final index, we rescale this measure by the number of words in the forward guidance paragraphs that reflect uncertainty (the specific list is taken from Loughran and McDonald 2011) – the more ‘uncertain’ words the paragraphs contain, the lower the index. The idea is that more precise forward guidance should be more informative than ambiguous statements.

Figure 3 plots the time series of both our economic conditions and forward guidance indices. The former roughly tracks the business cycle (though it is noisy), while the latter grows in prominence over time, in particular in the recent period in which the Fed engaged in unconventional monetary policy.

Figure 3. Indices of Fed communication about economic conditions and forward guidance

Effects of public communication

Our ultimate question of interest is which dimension of monetary policy communication —economic conditions or forward guidance — is more important for explaining the market responses to Fed statements. We also need to control for the policy rate decision that accompanies Fed statements. For this, we use the shadow rates constructed in Wu and Xia (2014) that correct for the fact that the main policy rate of the Fed reached its effective lower bound in the wake of the financial crisis of 2008-2009.

To study the impact of multi-dimensional monetary policy (communication in addition to the monetary stance), we employ a factor-augmented vector autoregression (FAVAR) statistical model. This allows us to model interdependencies among all variables while capturing the effects of the macroeconomy using factors from a large array of macroeconomic time-series data.

We first study the reaction of financial asset prices to monetary policy. In terms of bonds, we find that the short end of the yield curve reacts very little to communication, but is fairly sensitive to the policy rate. But as one goes out further in the yield curve, forward guidance plays an increasingly important role in explaining variation in bond prices. On the other hand, communication about economic conditions explains very little of the observed bond price movements in our data at all time-horizons. The overall pattern is similar for equity prices – forward guidance explains three to four times as much movement in market indices as economic conditions communication.

We also study the relationship between monetary policy and the real economy. Here again, we find an important role for forward guidance relative to economic conditions. In fact, forward guidance explains as much variation in short-term unemployment rates as the monetary stance itself. Again though, there is little role for economic conditions in explaining movement in unemployment, prices, and other measures of economic activity.

Overall, then, the message of our work is that markets appear to put much more weight on what central banks say about their future policy decisions than what they say about economic conditions. This is consistent with a view in which market participants and the Fed have a similar understanding of the state of the economy at any given point in time, but substantial uncertainty exists regarding the future behaviour of the central bank. In this environment, communication shapes expectations through providing markets with additional information on how the central bank will behave in the future.

References

Apel, M and M Blix Grimaldi (2012) “The information content of central bank minutes”, Working Paper Series 261, Sveriges Riksbank (Central Bank of Sweden).

Blei, D M, A Y Ng and M I Jordan (2003) “Latent Dirichlet allocation", Journal of Machine Learning Research, 3: 993-1022.

Blinder, A S (1998) Central banking in theory and practice, Cambridge MA: MIT Press.

Gürkaynak, R S, B Sack and E Swanson (2005) “Do actions speak louder than words? The response of asset prices to monetary policy actions and statements”, International Journal of Central Banking 1(1).

Hansen, S and M McMahon (2016) “Shocking language: Understanding the macroeconomic effects of central bank communication”, CEPR, Discussion Paper 11018.

Hansen, S, M McMahon and A Prat (2014) “Transparency and deliberation within the FOMC: a computational linguistics approach”, CEPR, Discussion Paper 9994.

Loughran, T and B McDonald (2011) “When is a liability not a liability? Textual analysis, dictionaries, and 10-Ks”, Journal of Finance, 66: 35-65.

Reis, R (2013) “Central bank design”, Journal of Economic Perspectives, 27(4): 17-44.

Wu, J C and F D Xia (2014) “Measuring the macroeconomic impact of monetary policy at the zero lower bound”, NBER, Working Papers 20117.

Footnotes

1 For larger sets of documents, one can apply classification algorithms to automate labeling.

Topics:  Financial regulation and banking Frontiers of economic research Macroeconomic policy

Tags:  Information, Communication, Central Banks, central banking, Fed, central bank communication, expectations, markets, interest rates, forward guidance, economic conditions, policy


          The ECB and the Fed: A comparative narrative   

The ECB and the Fed: A comparative narrative

Dae Woong Kang, Nick Ligthart, Ashoka Mody 19 January 2016

Although the Great Recession was viewed – especially in Europe – as mainly a US problem, the Eurozone has been implicated from the start and felt virtually the same impact in the early stages (Figure 1). The US economy, however recovered much faster. US stock prices and GDP regained their pre-crisis levels by late-2011; the Eurozone barely reached that stage in 2015.

Figure 1. Stock and GDP price movements

The US policy response was much more proactive (de Grauwe 2010). Fiscal stimulus was greater than in the Eurozone in 2008-9; the US also returned to fiscal austerity later, in 2011 rather than in 2010 as the Eurozone did (Mody 2015). More important was the US authorities’ active resolution of banking stress; Eurozone banking problems were allowed to fester. And throughout, US monetary policy was much more aggressive. In a recent paper, we used a narrative approach to identify the role of monetary policy during the Great Recession (Kang et al. 2015).

The US Federal Reserve lowered its policy interest rate (the Fed Funds rate) from 5.25% in September 2007 to 0-0.25% in December 2008 (Figure 2).1 At that point, the Fed also initiated quantitative easing and began ‘forward guidance’, making public its intention to keep interest rates low ‘for some time’. The ECB’s first reaction to the Great Recession was in July 2008, and it was to raise the policy rate (the main refinancing rate).2 After the Lehman bankruptcy in September 2008, the ECB joined an internationally coordinated rate reduction on 8 October. But then the ECB’s slow pace of rate cuts was interrupted by two more hikes—in April and July 2011. The policy rate was brought to near-zero only in November 2013; modest quantitative easing began in September 2014 and was expanded in January 2015.

Figure 2. Policy rates: The US Federal Reserve and the ECB

Our narrative tracks the stated policy intent, the stock market response following the announcement, and the immediate market commentary. To examine the stock market’s response to the announcement of interest rate cuts, we used an event-study methodology similar to that of Ait-Sahalia et al. (2012). First, the ‘abnormal difference’ was computed for each day following the announcement. This is measured as the change in the stock price minus the average daily change over the 20 days before the announcement (the presumption is that absent the announcement, stock prices would have continued to change at the same pace over the next five days). Adding up the daily abnormal differences, the cumulative abnormal difference shows the post-announcement divergence in the stock price movement from the trend in the preceding 20 days. The results are summarised in Figure 3.

Figure 3. Stock market reactions to the reduction of interest rates

Note: In computing the average ‘abnormal’ reaction between 2007 and 2009, we do not include the market reaction on 8 October 2008 because of high volatility in the days following. The results remain unchanged.

The stock market responded positively to the Fed’s rate cuts. In contrast, the market’s reaction to the slower-moving ECB was, on average, negative between 2007 and 2009 and also between 2011 and 2014. Consistent with our findings around the announcements, US stock indices moved ahead of those in the Eurozone, as seen in Figure 1. Moreover, as Figure 1 also shows, stock prices tracked relative differences in GDP performance, in line with Akerlof and Shiller’s (2009) view that improved investor sentiment helps stem the fall and begin the recovery.

Active stimulus

The anticipation of the announcements was not the primary influence on stock prices. In the US, the one unexpected announcement did trigger a strong response; but even the anticipated rate cuts were viewed favourably, especially if they were 50 basis points (0.5%) or larger. Researchers at the Chicago Fed find that anticipated policy actions have positive stimulative effects if they signal deviation from historical policy (D’Amico and King 2015, pp. 2-3). Thus, while formal ‘forward guidance’ came only on 16 December 2008, the actions up until then established a presumption that the Fed was pursuing a risk management approach and creating a safety net.3 Specifically, the larger rate cuts and accompanying statements signalled that the Fed was trying to ‘forestall’ financial turmoil from spiralling out of control.

In contrast, even the ECB’s larger rate cuts were seen as ‘too little, too late’. The ECB was reacting to news—building its shelter amidst a raging storm. ECB statements also mused endlessly about rising inflation and hence almost never promised more forthcoming action. The Bank of England was also late, but made up with quicker and much larger rate cuts, followed by quantitative easing.

It is true that the Fed has a clear dual mandate to support employment and maintain price stability. However, the central banks’ differing mandates were not the reason why they acted differently in the Great Recession. The ECB—despite its primary focus on price stability—had previously responded as if it had a dual mandate. Indeed, as Lars Svensson has pointed out, the ECB’s goal of medium-term price stability (over a two-year horizon) implied that it would not seek to bring inflation down instantly since attempting to do so would cause an unreasonable drop in output (Svensson 1999, pp. 83, 96, and 107). The result, Svensson argues, is that the ECB’s stated objective is indistinguishable from that of central banks with dual mandates, as studies have confirmed (Taylor 2010 and Nechio 2011).

Rather, as Alan Blinder pithily states, the Fed operated during the Great Recession on the ‘dark’ view that a huge loss of wealth could tip the economy into a free fall (Blinder 2013, p. 94). The priority was to prevent or manage that risk. Between 2007 and 2009, the Fed made the judgement that inflation risk was low and the main task was to prevent a downward output spiral. Later, the Fed used the same risk management approach to fend off the risk of price deflation.

By contrast, the ECB concluded that a temporary scare had caused banks to hoard cash and restrict lending to other banks (Blinder 2013, p. 94, Stark 2008). Thus, the ECB provided ample liquidity to banks, although no more so than the Fed. As the Fed understood, such passive provision of funds to banks was insufficient to induce banks to lend more and stimulate economic growth (Hetzel 2012). The loss of confidence and severe demand contraction required active monetary stimulus. The ECB insisted that foreign demand would ‘support ongoing growth’ in the Eurozone (e.g. Trichet and Papademos 2008).

The essential difference between the Fed and the ECB, therefore, boiled down to how each institution viewed the evolution of the economy. Even though inflation rates in the US and the Eurozone were nearly identical (Figure 4), the ECB overemphasised the risk of a commodity price-wage spiral and underestimated the financial and economic risks (Hetzel 2014). Market commentary repeatedly sent this message, as we document in our paper.

Figure 4. Headline inflation and core inflation for the US and Eurozone

Note: 12-month moving average of year-on-year inflation.

Forestalling deflation

The Fed transitioned to worrying about deflation risk as early as June 2010, even though inflation was rising in tandem with the European inflation rate (Figure 4) (Federal Reserve System 2010). The Fed’s main tools now were quantitative easing and forward guidance. As is well known, in this inglorious interlude, the ECB twice raised interest rates. But even past that point, the ECB continued to reject a risk-management approach and followed rather than anticipated the deceleration in inflation. Because it had delayed stimulus during 2007-9, the ECB needed more aggressive action rather than a continued wait-and-see approach. At a November 2013 press conference, a journalist described the ECB as a “pea-shooter dealing with an approaching deflationary tank”. ECB President Mario Draghi responded that the ECB was waiting for more data, and would do more “if needed” (Draghi 2013). Thus, the ECB acted asymmetrically: rising commodity prices were expected to feed persistent inflation, but falling commodity prices were expected to reverse course. Once again, markets and analysts reacted impatiently. Interest rate cuts were not enough. The question was why more aggressive ‘non-standard’ actions were not being taken.

Policy credibility

We conclude also that the Fed gained credibility even though it appeared to temporarily suspend its commitment to price stability. Bordo and Kydland (1995) have argued that setting aside a policy rule to deal with extraordinary contingency is consistent with a commitment to long-term goals. The Fed made clear its objective of preventing a meltdown and, as Blinder (2012) has emphasised, credibility principally requires that words be matched with deeds.

In the Eurozone, words were often a substitute for deeds. Markets and investors reacted to the tight monetary policy, which added to the economic drag and deflationary tendencies due to fiscal austerity and lingering banking problems. By mid-2009, Eurozone output had fallen behind that of the US, and it never caught up. Delays in stimulating economic recovery have permanent consequences, as recent analysis reaffirms (Fatas and Summers 2015). For all its rear-guard action, the ECB misread the Crisis and will be associated with the legacy of a weak recovery and more entrenched deflationary tendencies. If, as is entirely possible, the Eurozone’s core inflation rate remains below 1% a year, the ECB’s credibility will be twice hurt. Not only would it have failed to provide stimulus when needed, but it would have allowed the EZ to slip into a low inflation trap, well below its stated target of 2% a year.

References

Aït-Sahalia, Y, J Andritzky, A Jobst, S Nowak, and N Tamirisa (2012), “Market Response to Policy Initiatives during the Global Financial Crisis,” Journal of International Economics 87(1): 162-177.

Akerlof, G and R Shiller (2009), Animal Spirits: How Human Psychology Drives the Economy, and Why It Matters for Global Capitalism, Princeton: Princeton University Press.

Blinder, A (2012), “Central Bank Independence and Credibility During and After a Crisis,” Griswold Center for Economic Policy Studies Working Paper No. 229, September.

Blinder, A (2013), After the Music Stopped: the Financial Crisis, the Response, and the Work Ahead, New York: Penguin Press.

Bordo, M and F Kydland (1995), “The Gold Standard as a Rule: an Essay in Exploration,” 32: 423-64.

D’Amico, S and T King (2015), “What Does Anticipated Monetary Policy Do?” Federal Reserve Bank of Chicago, Working Paper 2015-10, November.

De Grauwe, P (2010), “Fighting the wrong enemy,” VoxEU.org, 19 May.

Draghi, M (2013), “Introductory statement with Q&A,” European Central Bank, November 7.

Fatas, A and L Summers (2015), “The Permanent Effects of Fiscal Consolidations,” CEPR No. 10902, October 2015.

Federal Reserve System (2010), “Minutes of the Federal Open Market Committee,” June 22-23.

Hetzel, R (2012), The Great Recession: Market Failure or Policy Failure, Cambridge: Cambridge University Press.

Hetzel, R (2014), “Contractionary Monetary Policy Caused the Great Recession in the Eurozone: A New Keynesian Perspective” The Federal Reserve Bank of Richmond Working Paper Series, August 22.

Kang, D W, N Ligthart, and A Mody (2015), “The European Central Bank: Building a Shelter in a Storm,” Griswold Center for Economic Policy Studies Working Paper No. 248, Princeton University, December.

Mody, A (2015), “Living dangerously without a Fiscal Union,” Bruegel Working Paper 2015/03.  

Nechio, F (2011), “Monetary Policy When One Size Does Not Fit All,” Federal Reserve Bank of San Francisco Economic Letter, June 13.

Svensson, L (1999), “Monetary Policy Issues for the Eurosystem,” Carnegie-Rochester Conference Series on Public Policy 51: 79-136.

Taylor, J (2010), “Globalization and Monetary Policy: Mission Impossible,” In International Dimensions of Monetary Policy, University of Chicago Press: 609-624.

Trichet, J-C and L Papademos (2008), “Introductory statement with Q&A,” European Central Bank, February 7.

Woodford, M (2012), “Methods of Policy Accommodation at the Interest-Rate Lower Bound,” September 16.

Footnotes

1 The US Federal Funds rate determines the rate at which banks lend to each other.

2 The Eurozone’s main refinancing rate is the interest rate banks pay to borrow from the ECB. Normally, this rate also determines the euro overnight index average (EONIA), the rate at which banks lend to each other in the ‘unsecured’ market. But banks relied principally on the ECB for their funding through much of the Crisis; the limited lending in the banks’ unsecured market was a substitute to depositing money at the ECB (ECB 2010 and 2015b).

3 See Woodford (2012) on the distinction between policy response to news and a change in the policy.

Topics:  Global crisis

Tags:  Great Recession, Fed, eurozone, Eurozone crisis, EZ reforms


          Evidence that low real rates will persist   

Will interest rates be permanently lower?

John Williams 26 November 2015

Following the Global Crisis, central banks around the world brought their policy rates close to zero, as shown in Figures 1 and 2. And now a few – including the ECB, the Swedish Riksbank, and the Swiss National Bank – have crossed the zero-rate threshold and instituted negative interest rates. A period of nearly seven years of extremely low interest rates has spurred a debate over whether interest rates will return to more normal levels. Will they rebound once the effects of the global financial crisis are finally behind us? Or are low rates a permanent feature of the economic landscape? The resolution to this debate has important implications for the economy and monetary policy (Summers 2014).

Figure 1. Near-zero interest rates following the Global Financial Crisis

Source: OECD, Federal Reserve Board.

Figure 2. Negative short-term interest rates become more common

Source: OECD.

Economists have a laundry list of developments that, in theory, could cause the trend in real (inflation-adjusted) interest rates to change over time. These include persistent shifts in the rate of productivity growth, demographics, risk aversion, fiscal policy, and international factors (Congressional Budget Office 2015, IMF 2014, Council of Economic Advisers 2015, Hamilton et al 2015). However, it has proven more challenging to gauge their quantitative impact on trend interest rates.

Unfortunately, standard statistical techniques are poorly suited to distinguish whether a permanent shift in interest rates will emerge from the current situation – an extended period of low rates instituted in response to an unusually deep recession and sluggish recovery. As discussed in Laubach and Williams (2015), the fact that rates have been very low for close to seven years implies that standard statistical methods indicate that the fall in real rates is entirely due to a downward shift in trend. In particular, these methods indicate that the current trend short-term rate in the US is about –1.5. A similar conclusion is drawn for global interest rates (Hamilton et al 2015).

One way around this problem is to use a macroeconomic model that explicitly takes into account the combined behaviours of inflation, output, and interest rates in estimating the trend in real interest rates. In the Laubach-Williams (LW) model, the trend, or ‘natural,’ real interest rate is implicitly defined as that which occurs when the economy is operating at its full potential and there are no inflationary pressures in either direction. This model assumes that the trend real interest rate depends on the estimated trend growth rate of real GDP and other unspecified influences.

The model is estimated using the Kalman filter. The Kalman filter operates on the principle that one should partially adjust one’s estimate of the unobserved variables –the trend natural rate of interest, the level of potential output, and its trend growth rate – based on the discrepancies between the model’s predictions for real GDP and inflation, and the actual data.  In particular, if real GDP is lower than the model predicts, the estimate of the natural rate of interest is reduced by a small fraction of the forecast error. The output gap estimate, in turn, is based on a Phillips curve relationship between inflation, the output gap, and other variables. If, for example, inflation turns out lower than predicted, the level of potential output is revised up (that is, for a given level of real GDP, the output gap is revised down) by a small fraction, as is the estimate of the trend growth rate of potential output.

The LW estimates of the natural rate of interest display a moderate secular decline over the two decades preceding the Great Recession and a second, more substantial decline during the Great Recession (Williams 2015). Figure 3 shows the estimates of the natural rate of interest from 1980 to 2015.  The estimate of the natural rate was about 3.5% for 1990, gradually declining to about 2% in 2007, on the cusp of the Great Recession. In the recession years of 2008 and 2009, the estimated natural rate plummets to about zero, where it has remained ever since. This is an unprecedented decline and historical low for the natural rate.

Figure 3. Laubach-Williams estimates of trend short-term real interest

Note: Grey bands denote NBER recessions.

What accounts for the decline in natural rates? According to the LW model, a falling trend rate of potential output growth accounts for about half of the decline.  The final two rows of Table 1 show the contributions from changes in trend growth and the catch-all ‘other factors’ to the decline in the estimated natural rate for the periods 1990–2007 and 2007–2015.  Figure 4 shows the LW model estimates of the trend growth rate of potential output over 1980–2015. Estimated trend potential output growth was about 3.5% in 1990, declining to 3% in 2007, then falling sharply to about 2%. Note that the model does not attribute these movements in trend potential output growth to specific sources; rather they are treated as exogenous shifts.

Table 1. Alternative measures of trend real short-term interest rates

Figure 4. Laubach-Williams estimates of the trend growth rate of GDP

Note: Grey bands denote NBER recessions.

There is robust evidence of a persistent decline in the trend real interest rates using alternative approaches to estimate trend real interest rates. Laubach and Williams (2015) explore alternative versions of the LW model and in each case the current estimate of trend real rates is very low. In addition, a number of other studies have examined whether trend real interest rates are permanently lower. Although individual estimates differ, it is striking that a wide variety of approaches point to historically low levels of future real interest rates (Hamilton et al 2015, Johannsen and Mertens 2015, Kiley 2015, Lubik and Matthes 2015).

Economic forecasters and financial market participants appear to have embraced this perspective, as seen in economists’ surveys and yields on Treasury Inflation-Protected Securities (TIPS). The first row of Table 1 reports natural rate estimates implied by the long-run forecasts from the Blue Chip survey of forecasters. The second row reports real interest rates five to ten years in the future based on TIPS yields (note that TIPS did not exist in 1990). The third row reports the LW estimates. The pattern of declining trend interest rates is consistent across the three measures, although the movements in the LW estimates are noticeably larger than the other two.

What are the implications of the sizeable decline in the trend real rate of interest? First, if sustained, it implies that longer-term interest rates will also be correspondingly lower on average. Second, a lower average real interest rate implies that episodes of monetary policy being constrained at the zero lower bound are likely to be more frequent and longer (Reifschneider and Williams 2000). Third, it is a powerful reminder that one should not treat the natural rate of interest as fixed, as is often done in discussions of monetary policy rules such as the Taylor rule. Finally, estimates of trend or natural rates are subject to a great deal of uncertainty (Orphanides and Williams 2002, Laubach and Williams 2003). The various measures of trend interest rates differ by as much as 1.5 percentage points, an unusually large deviation in estimates compared to the period before the Great Recession.

So, will interest rates be permanently lower? While an unequivocal answer is not possible with the information at hand, the evidence suggests a significant decline in the trend in real interest rates. And there is little, if any, sign of a return to a more normal trend.  Taken together, this evidence suggests that it is likely that the trend in real short-term interest rates is lower than it was in previous decades, with the possibility that it may even have fallen below 1%.

Author’s note: The views presented in this article are the author’s alone, and do not necessarily reflect those of other members of the Federal Reserve System.

References

Congressional Budget Office (2015) The 2015 Long-Term Budget Outlook, June 16.

Council of Economic Advisers (2015) “Long-term interest rates: A survey”, July.

Hamilton, J D, E S Harris, J Hatzius and K D West (2015) “The equilibrium real funds rate: Past, present, and future”, Hutchins Center on Fiscal & Monetary Policy at Brookings, Working Paper 16, October 30.

International Monetary Fund (2014) World Economic Outlook: April 2014.

Johannsen, B K and E Mertens (2015) “The shadow rate of interest, macroeconomic trends, and time-varying uncertainty”, Unpublished manuscript.

Kiley, M T (2015) “What can the data tell us about the equilibrium real interest rate?” Finance and Economics Discussion Series 2015-077, Washington: Board of Governors of the Federal Reserve System, August.

Laubach, T and J C Williams (2003) “Measuring the natural rate of interest”, Review of Economics and Statistics, 85(4): 1,063–1,070. Updated estimates here.

Laubach, T and J C Williams (2015) “Measuring the natural rate of interest redux”, Federal Reserve Bank of San Francisco, Working Paper 2015-16, October.

Lubik, T A and C Matthes (2015) “Calculating the natural rate of interest: A comparison of two alternative approaches”, Federal Reserve Bank of Richmond, Economic Brief 15-10, October.

Orphanides, A and J C Williams (2002) “Robust monetary policy rules with unknown natural rates”, Brookings Papers on Economic Activity, 2002(2): 63–145.

Reifschneider, D and J C Williams (2000) “Three lessons for monetary policy in a low-inflation era”, Journal of Money, Credit, and Banking, 32(4/ 2): 936–966.

Summers, L H (2014) “US economic prospects: Secular stagnation, hysteresis, and the zero lower bound”, Business Economics, 49(2): 65–73.

Williams, J C (2003) “The natural rate of interest”, FRBSF Economic Letter, 2003-32, October 31.

Williams, J C (2015) “The decline in the natural rate of interest”, Business Economics, 50(2): 57–60.

Topics:  Global crisis Macroeconomic policy

Tags:  Fed, interest rates, zero lower bound, central bank, Central Banks, global crisis


          Short-sighted monetary policy and fear of liftoff   

Short-sighted monetary policy and fear of liftoff

Athanasios Orphanides 11 November 2015

Monetary policy operates in an uncertain environment with long and variable lags. Different macroeconomists and policy advisers can reasonably have different views about what would be the most appropriate monetary policy strategy at any moment in time and differ on their views on the appropriate policy setting. This is often cited to justify different views about the stance of monetary policy. There is little disagreement, however, that monetary policy works best when it is systematic and avoids short-sighted, seat-of-the-pants discretionary decision making that places undue importance on perceived short-term gains and ignores larger long-term costs.

The Federal Reserve, like other central banks, has been granted operational independence to protect against political pressures that constitute one source of unsystematic short-sighted policy. The risks are well understood. However, Federal Reserve policymakers retain immense discretionary power and, as the history of the Federal Reserve suggests, Federal Reserve policymakers have often used that power inappropriately, adopting policies that placed excessive emphasis on perceived short-term gains.

The Great Inflation serves as an important example. For over a decade, the Federal Reserve pursued inappropriately-expansionary monetary policy focusing on short-term gains on employment and growth. The excessive focus on employment gains resulted in greater economic instability, higher inflation and lower growth. For a generation following the Great Inflation, under the leadership of Paul Volcker and Alan Greenspan, the Federal Reserve followed a more systematic policy approach based on the premise that the best way the Federal Reserve could contribute to long-term sustainable employment and growth was by protecting price stability over the long- term. The Great Moderation, a period of low inflation and greater economic stability reflected in large part the systematic nature of monetary policy.

Post Crisis

Following the crisis, the Federal Reserve has followed a different approach. In the past few years, the Federal Reserve has once again started placing undue emphasis on short-term employment. The sustained reduction in the rate of unemployment appears to have become the guiding principle of monetary policy. Long after the end of the recession, reducing unemployment served as the justification for QE3, a policy that expanded the Fed’s balance sheet by 1.5 trillion dollars over a period of two years. And this year, six years after the end of the recession, and despite larger declines in the unemployment rate than projected by the policymakers themselves, the Fed has been unable to even begin the process of policy normalisation.

A short-termist mentality is the antithesis of systematic monetary policy. The fear of liftoff exhibited in Fed decisions suggests a return to the unsystematic, short-term oriented policy approach pursued before the Great moderation. This should be a cause of great concern.

Current policy

So what’s wrong with current policy? Let’s first reflect on inflation, the one and only thing that the Fed can control in the long run. Since the start of the crisis in 2008, core measures of inflation have been moving roughly sideways. Core inflation has not fallen as much as many feared at the beginning of the crisis and is only slightly below the Fed’s target. This can justify the maintenance of somewhat accommodative monetary conditions. The issue is whether this can be used to justify the continuation of the unprecedented accommodation the Fed has engineered not only during the recession, but since then. The short-term real interest rate has remained significantly negative for many years, much longer than in any recession in the past several decades. In addition, the expansion of the balance sheet has added to this accommodation what may be the equivalent of a few hundred basis points of additional easing.

What about the real economy? The Fed was correct in responding aggressively to the downturn in 2008. In my view, the Fed deserves credit for that policy easing. The problem at present is that the Fed has been unable, unwilling or reluctant to begin the process of normalisation.

The economy recovered from the Great Recession long ago and labour markets are not far from normal. For those who measure slack in terms of deviations of the unemployment rate from measures of the natural rate of unemployment, the economy is very close and perhaps beyond full employment, depending on the estimates. The unemployment rate is at 5.1, within the central tendency of FOMC members, according to the latest Survey of Economic Projections. (The latest survey reports the central tendency as 4.9-5.2 – see Federal Reserve Board 2015.)

There is disappointment that real GDP growth has been subdued, that productivity is lower than what was hoped. However, given the rapid improvement in employment markets, this appears to reflect lower trend productivity and lower potential output growth. We may all wish for better trend productivity and should lobby for better fiscal and structural policies to encourage higher long-term productivity and growth but higher trend productivity is not something the Fed can deliver. The best way the Fed can contribute to long-term growth is by following a systematic policy that defends price stability over the medium and long term.

With the economy close to full employment, the currently massive degree of policy accommodation cannot be justified. The process of policy normalisation should have started long ago. Liftoff is not the end of accommodative conditions. Liftoff was needed to prevent an overheating in labour markets that would threaten longer term stability.

Why would systematic policy need to begin the process of normalisation before inflation concerns become immediate? Is tighter policy justified, given that core inflation measures are somewhat below the Fed’s target?

The Fed should retain a somewhat accommodative stance given that inflation is somewhat below its target.  However, this cannot be used as an excuse to retain the massive accommodation that was engineered to fight the recession years ago.

Monetary policy operates with long and variable lags. According to some Fed models, the maximum effect is around two years after a policy action. The Fed has been adding accommodation with quantitative easing up until less than a year ago, which will continue to stimulate the economy and push inflation upward well into 2016.  Policy needs to be pre-emptive. The degree of policy accommodation should be reduced to avoid an overheated economy which would surely destabilise inflation and make a recession more likely (for a more detailed exposition, see Orphanides 2015).

Concluding remarks

The costs of further delay in normalising policy will not be felt in the next year or two. The success of the Fed under Paul Volcker and Alan Greenspan in anchoring inflation expectations serves as a shield. Given the long lags in the monetary policy process, even major mistakes at present are unlikely to have large destabilising effects on price stability in the next year or two. Short-sighted policies always shift costs into the future.

The need for a somewhat accommodative policy cannot be used to defend the current non-systematic policy and excessive emphasis on short-term employment gains. First and foremost, the Fed should take a long view and return to a systematic policy approach that preserves and defends price stability. As Paul Volcker and Alan Greenspan kept reminding us over a generation while cleaning up the mess that short-sighted policies created before their chairmanships, this is best way monetary policy can contribute to enhancing growth and employment in the long run.

References

Federal Reserve Board (2015) Economic Projections of Federal Reserve Board Members and Federal Reserve Bank Presidents, September 2015.

Orphanides, A (2015) “Fear of liftoff: Uncertainty, rules, and discretion in monetary policy normalization”, Federal Reserve of St Louis Review, 97(3): 173-96. 

Topics:  Macroeconomic policy Monetary policy

Tags:  Federal Reserve, Fed, central bank, central banking, unemployment, liftoff, monetary policy, macroeconomics, Great Recession, inflation, policy normalisation


          The enduring structure of the Federal Reserve System: Is it time to redraw the map?   

The enduring structure of the Federal Reserve System: Is it time to redraw the map?

Matthew Jaremski, David Wheelock 25 October 2015

The Federal Reserve System was established in 1914 as a confederation of 12 regional districts, each with its own Reserve Bank. A Reserve Bank Organisation Committee (RBOC), comprised of the Secretary of the Treasury, Secretary of Agriculture, and Comptroller of the Currency, was appointed to select the cities for Reserve Banks and to set district boundaries. The Reserve Banks remain in the 12 cities selected by the RBOC and, except for a few minor adjustments made early in the system’s history, the borders of the Reserve Districts have never been changed.

The selection of cities for Reserve Banks was controversial in 1914 and remains so today. Seen in Figure 1, the RBOC placed four Reserve Banks within just a few hundred miles of one another in the Northeast, and two Reserve Banks in Missouri; and yet single Reserve Banks serve vast territories in the western two-thirds of the nation. Commentators have long called for a redistribution of Reserve Banks, particularly in light of the shift of US population and economic activity to the South and West that has occurred since 1914 (e.g., Bordo 2015). Richard Shelby (R-AL), chairman of the US Senate Banking Committee, introduced legislation on May 12, 2015 calling for the establishment of an independent commission to review and suggest possible changes to the structure of the Federal Reserve System, including to the number and location of Federal Reserve Banks and district boundaries.

Figure 1. Federal Reserve Districts in 1914

Source: RBOC (1914).

It has long been alleged that political considerations strongly influenced the selection of cities for Reserve Banks (e.g., Willis 1923), though recent scholarship has largely concluded that most of cities chosen for Reserve Banks could be justified on economic grounds (e.g., Binder and Spindel 2013, McAvoy 2006). The Federal Reserve System was established to bring stability to the US banking system, primarily by providing a ready source of liquidity to the commercial banks that joined the Fed System. The Reserve Banks were to be on the front lines, holding the reserves of their member banks, lending to them in emergencies, and operating the payments system. In exchange for purchasing stock in and maintaining a reserve deposit with their local Reserve Bank, members received access to the Fed’s discount window and other services, were paid a dividend, and had a vote in the selection of the Reserve Bank’s board of directors.

Because the Fed’s member banks were both the primary customers and the stockholders of the Reserve Banks, the RBOC gave them a strong voice in choosing where the Reserve Banks were to be located. All national banks (i.e., banks with charters issued by the federal government) were asked to name their top three choices for the location of their Reserve Bank, and those votes appear to have strongly influenced the committee’s decisions. In recent research, we estimate several multivariate regressions of the selection of cities for Reserve Banks and branches, and find that the votes largely explain these selections (Jaremski and Wheelock 2015).1 Further, using voting data aggregated at the county level, we find that the votes go a long way to explaining the boundaries of Federal Reserve districts. Even decisions that today seem questionable, such as the placement of two Reserve Banks in Missouri, seem less so in light of the preferences expressed by national banks at the time (Wheelock 2015).

Our research attempts to explain the votes of national banks for the location of Reserve Banks. Although the votes of individual banks are not available, we find that county-level vote totals are explained well by established correspondent banking relationships. In short, banks appear to have voted for cities where they already had correspondent ties. Cities whose banks already provided services to large numbers of national banks tended to receive more votes, and thus were more likely to be awarded a Reserve Bank or branch office than were other cities.

To a large extent, the Federal Reserve System was placed over the old correspondent banking system it was meant to replace. The major cities in the Northeast—especially New York City, but also Boston, Philadelphia, and Baltimore—had long been important correspondent banking centres. Chicago, St. Louis, Kansas City and Minneapolis were important banking centres in the Midwest, and San Francisco was dominant on the West Coast. All of these cities, save for Baltimore, was given a Reserve Bank.2

More Reserve Banks were placed in the eastern half of the nation than in the west for two reasons:

  1. Eastern cities received far more votes from national banks than cities in the West and South; and,
  2. The Federal Reserve Act stipulated that each Reserve Bank have a minimum capitalisation paid in by its member banks.

Given the sparse population of national banks (and people) in the South and West, shown in Figure 2, Federal Reserve districts in those regions had to be larger than those of the Midwest and Northeast simply to amass enough capital to organise a Reserve Bank. Further, the RBOC may have put more Reserve Banks in the Northeast to reduce the dominance of the banks in New York City, the nation’s financial capital.

Figure 2. National bank locations in 1914

Source: Comptroller of the Currency (1915).

Should there be more Reserve Banks in the West and South?

The question remains whether there should now be more Reserve Banks in the West or South, either by moving some from the Northeast or establishing new districts. The shift of population and economic activity to the West and South since 1914 suggests that were the locations of Reserve Banks and district boundaries set today, the Federal Reserve System map would look very different than the one shown in Figure 1.

The Federal Reserve map has not changed significantly in 100 years, but both the mission and the technology of central banking have changed dramatically. In the early days, when the Fed’s interactions with its member banks were conducted mainly in person or through the mail, minimising transportation times between Reserve Bank offices and member banks was crucial for performing the system’s mission as lender of last resort and for operating the payments system efficiently.

Today most of the interactions between the Reserve Banks and commercial banks are electronic, so close proximity to a Reserve Bank or branch is no longer important for most member banks. Moreover, the Reserve Banks now play a significant role in monetary policymaking—a concept not contemplated by the Fed’s founders.

Concluding remarks

Although the Fed’s decentralised structure arguably promotes good policymaking by helping to ensure that different points of view are heard and different regions of the country are represented, modern communications technology reduces the need for physical proximity to a Reserve Bank.

Probably more important than the physical locations of Reserve Banks is the distribution of monetary policymaking authority on the Federal Open Market Committee (FOMC). Some argue that the Reserve Banks outside of New York should have a stronger voice on the FOMC (e.g., Fisher 2015), while others propose to weaken or even remove altogether the Reserve Banks from monetary policymaking. Those who favour a continued or expanded role for the Reserve Banks contend that the system’s regional diversity and political independence contribute to better policymaking. A system that is responsive to differing economic conditions that might exist across the regions of a large and diverse nation was certainly a principle on which the Federal Reserve was established.

Disclaimer: The views in this column are solely those of the authors and should not be interpreted as reflecting the views of the Federal Reserve Bank of St. Louis or of any other person associated with the Federal Reserve System.

References

Binder, S and M Spindel (2013) "Monetary politics: Origins of the Federal Reserve", Studies in American Political Development, 27: 1-13.

Bordo, M D (2015) “Some historical reflections on the governance of the Fed”, presented at a Hoover Institution conference on Central bank governance and oversight reform: A policy conference, May 21.

Comptroller of the Currency (1915) Annual report of the comptroller of the currency, Washington: Government Printing Office.

Fisher, R (2015) "Suggestions after a decade at the Fed”, remarks before the Economic Club of New York, New York City: February 11.

Jaremski, M and D C Wheelock (2015) “Banker preferences, interbank connections, and the enduring structure of the Federal Reserve System”, NBER, WP No. 21553, September.

McAvoy, M (2006) "How were the Federal Reserve Bank locations selected?" Explorations in Economic History, 43: 505-526.

Odell, K A and D F Weiman (1998) "Metropolitan development, regional financial centers, and the founding of the Fed in the Lower South", The Journal of Economic History, 58: 103-125.

Reserve Bank Organisation Committee (1914) Decision of the Reserve Bank Organisation Committee determining the Federal Reserve Districts and the location of Federal Reserve Banks under the Federal Reserve Act Approved December 23, 1913.

Wheelock, D C (2015) “Economics and politics in selecting Federal Reserve Cities: Why Missouri has two reserve banks”, Federal Reserve Bank of St. Louis Review, 4th Quarter.

Willis, H P (1923) The Federal Reserve System, legislation, organisation and operation, New York: Ronald Press.

Footnotes

1 Odell and Weiman (1998), McAvoy (2006) and Binder and Spindel (2013) also report evidence that the votes strongly influenced selection outcomes.

2 Baltimore is an interesting case. Although national banks had far more correspondent ties to Baltimore than to Richmond, Richmond received more first-choice votes and was selected for the district’s Reserve Bank.

Topics:  Economic history Financial regulation and banking

Tags:  Fed, the Fed, Federal Reserve System, reserve bank, reserve, US, history, banking, population density, monetary policy


          Search for yield   

Search for yield

David Martinez-Miera, Rafael Repullo 12 October 2015

The 2015 Annual Report of the Bank for International Settlements opened with the following sentence: “Globally, interest rates have been extraordinarily low for an exceptionally long time, in nominal and inflation-adjusted terms, against any benchmark”, adding that “[s]uch low rates are the most remarkable symptom of a broader malaise in the global economy… which has proved exceedingly difficult to understand”. In particular, the report argues that the malaise “reflects to a considerable extent the failure to come to grips with financial booms and busts that leave deep and enduring economic scars”.

Our recent paper (Martinez-Miera and Repullo 2015) tries to face up to the challenge of providing a theoretical model of the connection between real interest rates, credit spreads, and the structure and the risk of the banking system. Specifically, we show how an increase in aggregate savings leads to a reduction in interest rates and spreads, inducing financial intermediaries to search for yield, which ultimately leads to financial instability.

We characterise the endogenous structure of a competitive financial system in which both shadow and traditional banks emerge in equilibrium. We also provide a framework for understanding the emergence of endogenous boom and bust cycles, as well as the procyclical nature of the shadow banking system, the existence of countercyclical risk premia, and the low levels of interest rates and spreads leading to the build-up of risks during booms. Our findings provide a consistent explanation for a number of stylised facts of the period preceding the 2007-2009 financial crisis (see Brunnermeier 2009 for a recollection of some of these facts).

Interest rate spreads and financial sector structure

To analyse the links between aggregate savings, interest rates and financial instability, we focus on the role of banks as intermediaries between entrepreneurs, who need funds for their investment projects, and (uninsured) investors. Banks can monitor entrepreneurs’ projects, which reduces their probability of default but entails a cost for the banks. We assume that monitoring is not contractible, so there is a moral hazard problem, which is the key informational friction driving our results. We show that there are circumstances in which banks choose not to monitor entrepreneurs and others in which they do choose to monitor them. We associate the first case to (shadow) banks that originate-to-distribute, and the second case to (traditional) banks that originate-to-hold.

Our (partial equilibrium) results show that which case obtains depends on the spread between the lending rate and the expected return required by the investors, which under risk-neutrality equals the safe rate. In particular, a reduction in this spread reduces monitoring, and makes it more likely that banks will find it optimal to originate-to-distribute.

To endogenise interest rates and interest rate spreads, we embed our model of bank finance into a general equilibrium setup in which a large set of heterogeneous entrepreneurs that differ in their observable risk type seek finance for their investment projects from a competitive banking sector. We assume that the higher the total investment in projects of a particular risk type, the lower the return, and characterise the equilibrium for a fixed aggregate supply of savings. We show that safer entrepreneurs will borrow from shadow banks while riskier entrepreneurs will borrow from traditional banks.

Aggregate savings and financial instability

To assess whether a global savings glut may have an impact on financial stability, we investigate the effects of an exogenous increase in the aggregate supply of savings. We show that a global savings glut (to use the terminology of Bernanke 2005) leads to a reduction in interest rates and interest rate spreads, an increase in investment and in the size of banks’ lending to all types of entrepreneurs, an expansion of the relative size of the shadow banking system, and a reduction in the monitoring intensity and hence an increase in the probability of failure of the traditional banks. Hence, we have a model that links aggregate savings with the structure and the risk of the banking system.

Although we focus on the effects of an exogenous increase in the supply of savings, the same effects obtain when there is an exogenous decrease in the demand for investment, due for example to a negative productivity shock. Thus, the model provides an explanation of the way in which changes leading to a reduction in the equilibrium real rate of interest, as those noted by Summers (2014), can be linked to an increase in financial instability.

A first extension of our results shows that the effect of a savings glut on financial stability critically depends on the increase in the size of the traditional banks. When banks that originate-to-hold cannot increase their balance sheets, there will be a greater increase in the size of the shadow banking system, a greater reduction in the safe rate, and wider spreads for the traditional banks, so they will become safer. But as soon as these banks are able to relax the constraint, they will become riskier. This result allows us to distinguish between the short- and the long-run effects of a savings glut, and provides a rationale for the idea that the build-up of risks happens when (real) interest rates are ‘too low for too long’.

A second extension deals with the case where investors are risk averse. We show that a reduction in risk aversion has similar effects as a savings glut except for the level of the safe rate, which goes up instead of down, due to the shift in investment toward riskier entrepreneurs that reduces the funds available for safer ones. This provides a simple way to empirically distinguish a savings glut from a reduction in investors’ risk appetite.

Endogenous booms and busts

Finally, we extend our model to a dynamic setting in which the aggregate supply of savings is endogenous. Specifically, the supply of savings at any date is the outcome of agents’ decisions at the previous date together with the realisation of a systematic risk factor that affects the return of entrepreneurs’ projects. For good realisations of the risk factor, aggregate savings will accumulate (the boom state) leading to lower interest rates and spreads, which translate into higher risk-taking. In this situation the economy is especially vulnerable to a bad realisation of the risk factor, which can lead to a crisis (the bust state). The associated reduction in aggregate savings leads to higher interest rates and spreads, which translate into lower risk-taking and a safer financial system. Then savings will grow, restarting the process that leads to another boom and a fragile financial system. In this manner, we can generate endogenous boom and bust cycles.

The dynamic model yields other interesting testable results. First, interest rates and interest rate spreads are countercyclical. Second, during booms the safe rate may be below investors’ subjective discount rate, and it may even be negative. Third, the shadow banking system is highly procyclical. Fourth, even when investors are risk neutral, they behave as if they were risk averse, so risky assets have positive risk premia. Fifth, even when investors’ preferences do not change over time, such risk premia are countercyclical.

Conclusion

Summing up, our research addresses a challenging issue, namely to provide an explanation for the connection between interest rates and financial stability. Specifically, our results rationalise the links between a global savings glut, the low level of real interest rates, and the incentives to search for yield by financial intermediaries. Moreover, the results provide a rationale for a number of empirical facts in the run-up of the 2007-2009 financial crisis.

It should be noted that we abstract from any kind of nominal frictions, which is why monetary policy is absent from our model of search for yield. Introducing nominal frictions would allow studying the connection between monetary policy and financial stability, a topic that merits further research.

References

Bank for International Settlements (2015), 85th Annual Report, Basel.

Bernanke, B (2005), “The Global Saving Glut and the U.S. Current Account Deficit”, Sandridge Lecture, Virginia Association of Economists, Richmond, Virginia.

Brunnermeier, M (2009), “Deciphering the Liquidity and Credit Crunch 2007-2009”, Journal of Economic Perspectives 23: 77-100.

Martinez-Miera, D, and R Repullo (2015), “Search for Yield”, CEPR Discussion Paper No. 10830.

Rajan, R (2005), “Has Financial Development Made the World Riskier?”, Proceedings of the Jackson Hole Conference organized by the Federal Reserve Bank of Kansas City.

Summers, L (2014), “US Economic Prospects: Secular Stagnation, Hysteresis, and the Zero Lower Bound”, Business Economics 49: 65-73.

Topics:  Macroeconomic policy

Tags:  yield, interest rates, Fed, Bank of England


          Olympia Washington Reason #94 Why Joining the International .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May Be a Foolish Investment Idea   

Olympia, WA -- (SBWIRE) -- 06/30/2017 -- Can APPS that go "Well-Beyond" really make apps that spread health?

Can APPS that go "Well-Beyond" really make apps that spread happiness?

Do you truly believe that APPS can be tools to help you live a better life?

If You Do, then Contact Us Today!
g3president@comcast.net
801-809-7766

G3 Develops Customs APPS.
G3's latest APP Technology is called: Well-Beyond-Period (i.e. Well-Beyond.)

What the APP? The word "app" is an abbreviation for "application." It's a piece of software that can run through a web browser or even offline on your computer, phone, tablet or any other electronic device. Apps may or may not have a connection to the internet. App is a modern take on the word software or application. This is why you probably only hear it in reference to a mobile app or a small piece of software that's running on a website. It's typically used to describe anything that isn't a full-fledged software program.

Types of Apps: There are three main types of apps: (1) Desktop, (2) Mobile and (3) Web.

Desktop apps, like mentioned above, are usually much "fuller" and are comprised of all the features of a program, whereas the mobile or app equivalent is a simpler and easier-to-use version. This makes sense when you consider that most desktop and web apps are built to be used with a mouse and keyboard along with a much larger display, but mobile apps are intended to be accessed with a finger or stylus on a small screen.

https://www.lifewire.com/what-are-apps-1616114

Web apps might be full of features too but they have to leverage the capabilities of the internet connection and web browser program, so while some are heavy duty and can perform really well like mobile or desktop programs, most web apps are lightweight for a reason. If an app is a mix between a web app and desktop app, they might be called hybrid apps. These are apps that have an offline, desktop interface and direct access to hardware and other connected devices, but also an always-on connection to the internet for quicker updates and access to internet resources. http://www.g3-development.co/

http://www.g3-development.co/

https://youtu.be/RvgYOIHtWDA

https://youtu.be/61e2ZIw1mKo

Examples of Apps: Some apps exist in all three forms and are available as not only mobile apps but also desktop and web apps. The Adobe Photoshop image editor is a full software program that runs on your computer, but Adobe Photoshop Sketch is a mobile app that lets you draw and paint from a portable device. It's more of a condensed version of the desktop application. The same is true with the web app called Adobe Photoshop Express Editor.

http://www.adobe.com/products/photoshop.html

Another example is Microsoft Word. It's available for computers in its most advanced form but also on the web and via a mobile app. Those two examples are of apps that exist in all three app forms, but that isn't always the case.

https://office.live.com/start/Word.aspx

For example, you can get to your Gmail messages through the official Gmail.com website and Gmail mobile app but there isn't a desktop program from Google that lets you access your mail. In this case, Gmail is both a mobile and web app but not a desktop app.

Others (usually games) are similar in that there are both mobile and web versions of the same game but maybe not a desktop app. Or, there might be a desktop version of the game but it's not available as a web or mobile app.

Olympia Washington Reason #94 Why Joining the International .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May be a Foolish Investment Idea

Why An App Is Important
Now that we've got that figured out, the next question you're probably asking is "why should I care about apps?"  Two good reasons:

(1) Web apps or online apps can be a faster, cheaper, more efficient way of deploying software in your business.  Rather than buying a software license, having to install it on your servers or local computers, keeping up with updates — all of which can be expensive and take time — you can simply go online and sign up for an account.  In a few minutes you are using the software.  And typically you pay a monthly fee, meaning that you don't have to pay license fee up front.   For more on what you can do with Web applications, read:  How Small Businesses Use Web Apps – and What to Look For.

https://smallbiztrends.com/2010/10/how-small-businesses-use-web-apps.html

(2) Mobile apps extend the reach and productivity of your business.  Once you equip your mobile device and/or your employees' mobile devices with apps, then you and they can perform all sorts of business functions while out of the office traveling, on sales calls, making service calls, etc.  A mobile app usually enables you to do something specific, like accessing your bank account in the case of a banking app, or run payroll with a payroll mobile app.  Check out: 10 Ways to Use Mobile Devices to Run Your Business.  

https://smallbiztrends.com/2010/09/mobile-devices-to-run-your-business.html

So the next time someone bandies about the term "app" you'll be in the know. More importantly, perhaps you'll be in a position to say, "Oh sure, we use all sorts of apps to run our business better."

How to download apps? Where you get your apps from depends on what kind of smartphone you're using. The three of today's biggest smartphone platforms - Android, iOS and Windows Phone - all come with brows-able desktop web sites and accompanying app stores that arrive built-in as part of the phone's operating system.

In addition to the official app stores from Apple, Google and Microsoft, there are unofficial options, too. Take the Android Amazon Appstore app for example. Google doesn't allow rival app shops to list themselves on its own app shop, so the Amazon Appstore has to be downloaded to your phone through the web browser. Install this and you're presented with Amazon's own collection of apps, which can offer different prices and levels of support when compared to the Google option. And, to go a step further, Android's open software lets anyone install anything from the web.

http://www.techradar.com/news/phone-and-communications/mobile-phones/what-are-apps-and-how-do-they-work-with-your-smartphone-1141429

You may have heard people talking about using a program, an application, or an app. But what exactly does that mean? Simply put, an app is a type of software that allows you to perform specific tasks. Applications for desktop or laptop computers are sometimes called desktop applications, while those for mobile devices are called mobile apps.

When you open an application, it runs inside the operating system until you close it. Most of the time, you will have more than one application open at the same time, which is known as multi-tasking.

In January 2011, the American Dialect Society named "app" the word of the year for 2010. That action alone says a lot. Being named word of year signifies that a term is trendy and growing in popularity. However, just because the use of a word is growing, we shouldn't assume that everyone knows it — yet. That's because being named word of the year also implies that the word is newly prominent. If the word were utterly commonplace like "dog" or "cat" it wouldn't have been singled out. Therefore, we should recognize that not everyone will know the word "app" at this point.

https://smallbiztrends.com/2011/03/what-is-an-app.html

Defining "App:" The word app is a noun, and it's short for "application." Application in this case refers to a software application — in other words, an app is a software program.

Where to Get Apps? In the context of mobile apps, almost every platform has its own repository where its users can download both free and paid apps. These are normally accessible through the device itself or maybe even a website so that the app can be queued up for download the next time the user is on the device.

For example, the Google Play store and Amazon's Appstore for Android are two places where Android users can download mobile apps. iPhones, iPod touches and iPads can get apps through iTunes on a computer or via the App Store straight from the device. G3 has custom PP solutions for you!

https://www.apple.com/itunes/

Desktop apps are more widely available from unofficial sources (e.g. Softpedia and FileHippo.com) but some official ones include the Mac App Store for macOS apps and the Windows Store for Windows apps. Tip: See how to safely download and install software to avoid getting malware. Web apps, on the other hand, load within a web browser and don't need to be downloaded. That is, unless you're talking about something like Chrome Apps that are downloaded to your computer but then run as small web-based apps through the chrome://apps/ URL, such as Videostream.

Note: Google refers to their online services as app but they also sell a specific suite of services known as Google Apps for Work. Google has an application hosting service called Google App Engine, which is a part of the Google Cloud Platform.

~If one thinks about "the real reason why"  they need to engage in Social Media,
it all boils down to these basics:

(a)   Forming the right relations and
(b)   Doing so the right way
~Many business leaders are still at the fundamental stage of asking,
"Why is Social Media important for my business?"
~This very question begs another question:
"Have you been paying attention to the marketplace?"

Ok, so, most people will answer these questions quite easily.  And here's how it usually goes: "Yes, of course I've been paying attention to the marketplace and Social Media is obviously important because it seems to be everywhere one turns.  One is hearing about Social Media but still have the need to understand why  the businesses using it and why is it creating so much attention."  The answer to "Why" is related to "How and What" a business does to engage in market relations with the aim of creating an opportunity for a business transaction.  Why do businesses exist?  Primarily to:

(a) Create value and
(b) Attract a market who wants the value proposition enough to engage.

However, the "How" of doing this has dramatically changed in the last 2 years from "Push Marketing" to "Pull Marketing."  This transformation has all happened via relevant and relative conversations that attract the market one will seek to the client.

The Real Reasons Why To Use Social Media:
1. If ones business can't be found — they are not engaging with the "True Market."
2. Social Media (YouTube) is 64% more effective — than traditional advertising.
3. Ones "True Competition" — is guaranteed to be engaged in Social Media.
4. One will find customers — 15 times faster with Social Media.
5. One can reach the "True Market" — by simply engaging the right people.
6. By ignoring this Social Media Market, they are not creating opportunities –
while the competition is.
7. Social Media saves massive amounts of time— if one uses it right.

Site owners started to recognize the value of having their sites highly ranked and visible in search engine results, creating an opportunity for both white hat and black hat SEO practitioners. According to industry analyst Danny Sullivan, the phrase "search engine optimization" probably came into use in 1997. The first documented use of the term Search Engine Optimization was John Audette and his company Multimedia Marketing Group as documented by a web page from the MMG site from August, 1997.

Early versions of search algorithms relied on webmaster-provided information such as the keyword meta tag, or index files in engines like ALIWEB. Meta tags provide a guide to each page's content. Using meta data to index pages was found to be less than reliable, however, because the webmaster's choice of keywords in the meta tag could potentially be an inaccurate representation of the site's actual content. Inaccurate, incomplete, and inconsistent data in meta tags could and did cause pages to rank for irrelevant searches.  Web content providers also manipulated a number of attributes within the HTML source of a page in an attempt to rank well in search engines.

About G3 Development
G3 Development is set out to proactively serve the business community by providing solutions in entrepreneurialism, business development, social media and venture capitalism.

To provide leadership in establishing strength with our client's international businesses, being built on a foundation of innovation, advocacy, technology and business integrity

http://www.g3-development.co/
877-229-9183

For more information on this press release visit: http://www.sbwire.com/press-releases/olympia-washington-reason-94-why-joining-the-international-well-beyond-marketing-network-wellbeyond-business-model-may-be-a-foolish-investment-idea-827046.htm

Media Relations Contact

Adam Green
Well Beyond
Telephone: 801-809-7766
Email: Click to Email Adam Green
Web: http://www.g3-development.co


          Paradise, NV Reason #90 Why Join the Local .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May Be a Unacceptable Choice   

Paradise, NV -- (SBWIRE) -- 06/30/2017 -- Examples of Apps: Some apps exist in all three forms and are available as not only mobile apps but also

Can APPS that go "Well-Beyond" really make apps that spread health?

Can APPS that go "Well-Beyond" really make apps that spread happiness?

Do you truly believe that APPS can be tools to help you live a better life?

If You Do, then Contact Us Today!
g3president@comcast.net
801-809-7766

G3 Develops Customs APPS.
G3's latest APP Technology is called: Well-Beyond-Period (i.e. Well-Beyond.)

What the APP? The word "app" is an abbreviation for "application." It's a piece of software that can run through a web browser or even offline on your computer, phone, tablet or any other electronic device. Apps may or may not have a connection to the internet. App is a modern take on the word software or application. This is why you probably only hear it in reference to a mobile app or a small piece of software that's running on a website. It's typically used to describe anything that isn't a full-fledged software program.

Types of Apps: There are three main types of apps: (1) Desktop, (2) Mobile and (3) Web.

Desktop apps, like mentioned above, are usually much "fuller" and are comprised of all the features of a program, whereas the mobile or app equivalent is a simpler and easier-to-use version. This makes sense when you consider that most desktop and web apps are built to be used with a mouse and keyboard along with a much larger display, but mobile apps are intended to be accessed with a finger or stylus on a small screen.

https://www.lifewire.com/what-are-apps-1616114

Web apps might be full of features too but they have to leverage the capabilities of the internet connection and web browser program, so while some are heavy duty and can perform really well like mobile or desktop programs, most web apps are lightweight for a reason. If an app is a mix between a web app and desktop app, they might be called hybrid apps. These are apps that have an offline, desktop interface and direct access to hardware and other connected devices, but also an always-on connection to the internet for quicker updates and access to internet resources. http://www.g3-development.co/

http://www.g3-development.co/

https://youtu.be/RvgYOIHtWDA

https://youtu.be/61e2ZIw1mKo

Ddesktop and web apps. The Adobe Photoshop image editor is a full software program that runs on your computer, but Adobe Photoshop Sketch is a mobile app that lets you draw and paint from a portable device. It's more of a condensed version of the desktop application. The same is true with the web app called Adobe Photoshop Express Editor.

http://www.adobe.com/products/photoshop.html

Another example is Microsoft Word. It's available for computers in its most advanced form but also on the web and via a mobile app. Those two examples are of apps that exist in all three app forms, but that isn't always the case.

https://office.live.com/start/Word.aspx

For example, you can get to your Gmail messages through the official Gmail.com website and Gmail mobile app but there isn't a desktop program from Google that lets you access your mail. In this case, Gmail is both a mobile and web app but not a desktop app.

Others (usually games) are similar in that there are both mobile and web versions of the same game but maybe not a desktop app. Or, there might be a desktop version of the game but it's not available as a web or mobile app.

Paradise, NV Reason #90 Why Join the Local .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May be a Unacceptable Choice

Why An App Is Important

Now that we've got that figured out, the next question you're probably asking is "why should I care about apps?"  Two good reasons:

(1) Web apps or online apps can be a faster, cheaper, more efficient way of deploying software in your business.  Rather than buying a software license, having to install it on your servers or local computers, keeping up with updates — all of which can be expensive and take time — you can simply go online and sign up for an account.  In a few minutes you are using the software.  And typically you pay a monthly fee, meaning that you don't have to pay license fee up front.   For more on what you can do with Web applications, read:  How Small Businesses Use Web Apps – and What to Look For.

https://smallbiztrends.com/2010/10/how-small-businesses-use-web-apps.html

(2) Mobile apps extend the reach and productivity of your business.  Once you equip your mobile device and/or your employees' mobile devices with apps, then you and they can perform all sorts of business functions while out of the office traveling, on sales calls, making service calls, etc.  A mobile app usually enables you to do something specific, like accessing your bank account in the case of a banking app, or run payroll with a payroll mobile app.  Check out: 10 Ways to Use Mobile Devices to Run Your Business.  

https://smallbiztrends.com/2010/09/mobile-devices-to-run-your-business.html

So the next time someone bandies about the term "app" you'll be in the know. More importantly, perhaps you'll be in a position to say, "Oh sure, we use all sorts of apps to run our business better."

Where to Get Apps? In the context of mobile apps, almost every platform has its own repository where its users can download both free and paid apps. These are normally accessible through the device itself or maybe even a website so that the app can be queued up for download the next time the user is on the device.

For example, the Google Play store and Amazon's Appstore for Android are two places where Android users can download mobile apps. iPhones, iPod touches and iPads can get apps through iTunes on a computer or via the App Store straight from the device. G3 has custom PP solutions for you!

https://www.apple.com/itunes/

Desktop apps are more widely available from unofficial sources (e.g. Softpedia and FileHippo.com) but some official ones include the Mac App Store for macOS apps and the Windows Store for Windows apps. Tip: See how to safely download and install software to avoid getting malware. Web apps, on the other hand, load within a web browser and don't need to be downloaded. That is, unless you're talking about something like Chrome Apps that are downloaded to your computer but then run as small web-based apps through the chrome://apps/ URL, such as Videostream.

Note: Google refers to their online services as app but they also sell a specific suite of services known as Google Apps for Work. Google has an application hosting service called Google App Engine, which is a part of the Google Cloud Platform.

Grow A Business With Localized Web Traffic From THEIR OWN Google-Friendly Blog Website! G3 Make's It Easy...

Google ranks websites based on the relevance, freshness, and content structure. G3 creates powerful custom content for the client that search engines LOVE based on important keywords about their business type and location. Then, G3 will merge that content with specific details the client's have given them about The client themselves! The result...? A powerful web presence that helps propel the client to the top of search results!

G3 Development Writes "Powerful Custom Content" Specific to THE CLIENT!
G3 localize's their content
G3 includes relevant keywords and optimized links
G3 Publishes  the Clients Content at the Right Frequency!
Appeals to search engines like Google
Search engines index the clients information SOONER
G3 Creates and Manages the Tools For the Cleint!
G3 provides the blog
G3 provides the hosting

As the cleints new blog site begins to fill with content, and they establish a web presence, search engines begin to notice, index, and list them in their results. This is often referred to as "Organic SEO". The more custom content they have, the higher the site climbs in search results. If they're new to blogging and web marketing, G3 understands. For the most part, they'll take care of things for the client. However if they would like to get involved, G3 created an easy-to-follow instructions and a cool video library to help them become more familiar with their new blog site. G3 Development provides access to these resources once the client has established an account.

When people needed or wanted something in the old days, they'd look up information in the yellow pages.  Today, people turn to search engines to find what they want or need.

Each day, on average, Google searches currently total over 400,000,000.  When people are looking to purchase something they want/need, more-and-more they're going "on line" to find out what other people think or say about a certain product, service or brand.  The relevancy that influences people's buying behavior is other people's conversations.  That's if they can find a conversation and if it provides the value that people are looking for.  If one can learn "how" to use social media correctly then they'll understand "what" the market is looking for and "where" they are looking.

To sum up:
For many, the Web isn't a place to look for information — it's the only place.

About G3 Development
G3 Development is set out to proactively serve the business community by providing solutions in entrepreneurialism, business development, social media and venture capitalism.

To provide leadership in establishing strength with our client's international businesses, being built on a foundation of innovation, advocacy, technology and business integrity

http://www.g3-development.co/
877-229-9183

For more information on this press release visit: http://www.sbwire.com/press-releases/paradise-nv-reason-90-why-join-the-local-well-beyond-marketing-network-wellbeyond-business-model-may-be-a-unacceptable-choice-827042.htm

Media Relations Contact

Adam Green
Well Beyond
Telephone: 801-809-7766
Email: Click to Email Adam Green
Web: http://www.g3-development.co


          Orem, UTAH Reason #92 Why Donating to the Regional .Well-Beyond. 'Marketing Network (#WellBeyond) Product Offering May Be a Poor Investment Idea   

Orem, UT -- (SBWIRE) -- 06/30/2017 -- Can APPS that go "Well-Beyond" really make apps that spread health?

Can APPS that go "Well-Beyond" really make apps that spread happiness?

Do you truly believe that APPS can be tools to help you live a better life?

If You Do, then Contact Us Today!
g3president@comcast.net
801-809-7766

G3 Develops Customs APPS.
G3's latest APP Technology is called: Well-Beyond-Period (i.e. Well-Beyond.)

What the APP? The word "app" is an abbreviation for "application." It's a piece of software that can run through a web browser or even offline on your computer, phone, tablet or any other electronic device. Apps may or may not have a connection to the internet. App is a modern take on the word software or application. This is why you probably only hear it in reference to a mobile app or a small piece of software that's running on a website. It's typically used to describe anything that isn't a full-fledged software program.

Types of Apps: There are three main types of apps: (1) Desktop, (2) Mobile and (3) Web.

Desktop apps, like mentioned above, are usually much "fuller" and are comprised of all the features of a program, whereas the mobile or app equivalent is a simpler and easier-to-use version. This makes sense when you consider that most desktop and web apps are built to be used with a mouse and keyboard along with a much larger display, but mobile apps are intended to be accessed with a finger or stylus on a small screen.

https://www.lifewire.com/what-are-apps-1616114

Web apps might be full of features too but they have to leverage the capabilities of the internet connection and web browser program, so while some are heavy duty and can perform really well like mobile or desktop programs, most web apps are lightweight for a reason. If an app is a mix between a web app and desktop app, they might be called hybrid apps. These are apps that have an offline, desktop interface and direct access to hardware and other connected devices, but also an always-on connection to the internet for quicker updates and access to internet resources. http://www.g3-development.co/

http://www.g3-development.co/

https://youtu.be/RvgYOIHtWDA

https://youtu.be/61e2ZIw1mKo

Orem, UTAH Reason #92 Why Donating to the Regional .Well-Beyond. 'Marketing Network (#WellBeyond) Product Offering May be a Poor Investment Idea

Examples of Apps: Some apps exist in all three forms and are available as not only mobile apps but also desktop and web apps. The Adobe Photoshop image editor is a full software program that runs on your computer, but Adobe Photoshop Sketch is a mobile app that lets you draw and paint from a portable device. It's more of a condensed version of the desktop application. The same is true with the web app called Adobe Photoshop Express Editor.

http://www.adobe.com/products/photoshop.html

Another example is Microsoft Word. It's available for computers in its most advanced form but also on the web and via a mobile app. Those two examples are of apps that exist in all three app forms, but that isn't always the case.

https://office.live.com/start/Word.aspx

For example, you can get to your Gmail messages through the official Gmail.com website and Gmail mobile app but there isn't a desktop program from Google that lets you access your mail. In this case, Gmail is both a mobile and web app but not a desktop app.

Others (usually games) are similar in that there are both mobile and web versions of the same game but maybe not a desktop app. Or, there might be a desktop version of the game but it's not available as a web or mobile app.

Why An App Is Important
Now that we've got that figured out, the next question you're probably asking is "why should I care about apps?"  Two good reasons:

(1) Web apps or online apps can be a faster, cheaper, more efficient way of deploying software in your business.  Rather than buying a software license, having to install it on your servers or local computers, keeping up with updates — all of which can be expensive and take time — you can simply go online and sign up for an account.  In a few minutes you are using the software.  And typically you pay a monthly fee, meaning that you don't have to pay license fee up front.   For more on what you can do with Web applications, read:  How Small Businesses Use Web Apps – and What to Look For.

https://smallbiztrends.com/2010/10/how-small-businesses-use-web-apps.html

(2) Mobile apps extend the reach and productivity of your business.  Once you equip your mobile device and/or your employees' mobile devices with apps, then you and they can perform all sorts of business functions while out of the office traveling, on sales calls, making service calls, etc.  A mobile app usually enables you to do something specific, like accessing your bank account in the case of a banking app, or run payroll with a payroll mobile app.  Check out: 10 Ways to Use Mobile Devices to Run Your Business.  

https://smallbiztrends.com/2010/09/mobile-devices-to-run-your-business.html

So the next time someone bandies about the term "app" you'll be in the know. More importantly, perhaps you'll be in a position to say, "Oh sure, we use all sorts of apps to run our business better."

Everyone has an app these days. TV shows, web sites, major multinational corporations, even your brother-in-law's taxi firm conducts its business through an iPhone app -- but what are they? Ask G3-Development.co

Well, apps are basically little, self-contained programs, used to enhance existing functionality, hopefully in a simple, more user-friendly way. Take one of today's modern smartphones. They all come with powerful web browsers, meaning you can do pretty much anything you can do on a desktop computer in a phone's browser.

http://www.techradar.com/news/phone-and-communications/mobile-phones/what-are-apps-and-how-do-they-work-with-your-smartphone-1141429

But fiddling about with a URL bar and managing bookmarks on a mobile phone it still a pretty awkward, cumbersome experience. Which is why many online sites and services now go down the standalone app route, giving them better control of the user experience and, hopefully, making everything simpler and quicker to open and use.

Key Points

SEO: G3 Development provides search engine optimized articles once each week to literally 'train' the search engines to index content more frequently. In addition, our articles are optimized with keywords and customized links that help search engines measure relevance and connectivity with related sites.

Localization: Localized searching is becoming more and more important as mobile devices and local networks leverage geo-tagging for prioritizing search results for consumers. Search engines now consider where the client is and provides search results based on the location. Considering this, G3 Development provides geo-centric keyword optimization to help distinguish content and take advantage of localized searching.

Customization: Each article contains personalized content including names, contact information, and personal variables. In this way G3 provides customized content that has a unique profile, forcing search engines to consider each blog in the network as unique. Participants enjoy a customized experience and feel 'ownership' of the content, encouraging sharing and promotion.

Social Media: Each article published by G3 Development contains sharing badges for the leading social networks, making our customized content as easy to share as a single click. Participants who have Facebook, Delicious, Digg, MySpace or Twitter accounts can share their articles with their friends easily and quickly. Readers can also share the articles, making them even more extensive and valuable. Participants with an aggressive social media plan can share their blog content knowing that the links in each article will bring readers back to their respective Home page.

Compliance: G3's articles are written by professionals, participants do not have to worry about compliance issues and enjoy a certain level of comfort in knowing that content that holds up to communication standards.

Synergy: Because G3 publishes the same foundational article to each participant, the organization moves together as a whole with a common message and a consistent conversation. Group synergy can be achieved and synchronized for special events, new product releases, and special news stories, etc.

Blogging: Participants have the option to blog their own content. This exciting opportunity allows achievers to set themselves apart and to extend their reach with personal stories and experiences. G3 Development provides complete access to the blog and video training content designed to introduce participants to blogging.

The Real Reasons Why To Use Social Media:

1. If ones business can't be found — they are not engaging with the "True Market."

2. Social Media (YouTube) is 64% more effective — than traditional advertising.

3. Ones "True Competition" — is guaranteed to be engaged in Social Media.

4. One will find customers — 15 times faster with Social Media.

5. One can reach the "True Market" — by simply engaging the right people.

6. By ignoring this Social Media Market, they are not creating opportunities – while the competition is.

7. Social Media saves massive amounts of time— if one uses it right.

Site owners started to recognize the value of having their sites highly ranked and visible in search engine results, creating an opportunity for both white hat and black hat SEO practitioners. According to industry analyst Danny Sullivan, the phrase "search engine optimization" probably came into use in 1997. The first documented use of the term Search Engine Optimization was John Audette and his company Multimedia Marketing Group as documented by a web page from the MMG site from August, 1997.

Early versions of search algorithms relied on webmaster-provided information such as the keyword meta tag, or index files in engines like ALIWEB. Meta tags provide a guide to each page's content. Using meta data to index pages was found to be less than reliable, however, because the webmaster's choice of keywords in the meta tag could potentially be an inaccurate representation of the site's actual content. Inaccurate, incomplete, and inconsistent data in meta tags could and did cause pages to rank for irrelevant searches.  Web content providers also manipulated a number of attributes within the HTML source of a page in an attempt to rank well in search engines.

About G3 Development
G3 Development is set out to proactively serve the business community by providing solutions in entrepreneurialism, business development, social media and venture capitalism.

To provide leadership in establishing strength with our client's international businesses, being built on a foundation of innovation, advocacy, technology and business integrity

http://www.g3-development.co/
877-229-9183

For more information on this press release visit: http://www.sbwire.com/press-releases/orem-utah-reason-92-why-donating-to-the-regional-well-beyond-marketing-network-wellbeyond-product-offering-may-be-a-poor-investment-idea-827044.htm

Media Relations Contact

Adam Green
Well Beyond
Telephone: 801-809-7766
Email: Click to Email Adam Green
Web: http://www.g3-development.co


          Phoenix Arizona Reason #84 Why Supporting the Nationwide .Well-Beyond. 'Marketing Network (#WellBeyond) Product Offering May Be a Foolish Choice   

Phoenix, AZ -- (SBWIRE) -- 06/29/2017 -- Can APPS that go "Well-Beyond" really make apps that spread health?
Can APPS that go "Well-Beyond" really make apps that spread happiness?
Do you truly believe that APPS can be tools to help you live a better life?

If You Do, then Contact Us Today!
g3president@comcast.net
801-809-7766

G3 Develops Customs APPS.
G3's latest APP Technology is called: Well-Beyond-Period (i.e. Well-Beyond.)

What the APP? The word "app" is an abbreviation for "application." It's a piece of software that can run through a web browser or even offline on your computer, phone, tablet or any other electronic device. Apps may or may not have a connection to the internet. App is a modern take on the word software or application. This is why you probably only hear it in reference to a mobile app or a small piece of software that's running on a website. It's typically used to describe anything that isn't a full-fledged software program.

Types of Apps: There are three main types of apps: (1) Desktop, (2) Mobile and (3) Web.

Desktop apps, like mentioned above, are usually much "fuller" and are comprised of all the features of a program, whereas the mobile or app equivalent is a simpler and easier-to-use version. This makes sense when you consider that most desktop and web apps are built to be used with a mouse and keyboard along with a much larger display, but mobile apps are intended to be accessed with a finger or stylus on a small screen.

https://www.lifewire.com/what-are-apps-1616114

Web apps might be full of features too but they have to leverage the capabilities of the internet connection and web browser program, so while some are heavy duty and can perform really well like mobile or desktop programs, most web apps are lightweight for a reason. If an app is a mix between a web app and desktop app, they might be called hybrid apps. These are apps that have an offline, desktop interface and direct access to hardware and other connected devices, but also an always-on connection to the internet for quicker updates and access to internet resources. http://www.g3-development.co/

http://www.g3-development.co/

https://youtu.be/RvgYOIHtWDA

https://youtu.be/61e2ZIw1mKo

Phoenix Arizona Reason #84 Why Supporting the Nationwide .Well-Beyond. 'Marketing Network (#WellBeyond) Product Offering May be a Foolish Choice

Examples of Apps: Some apps exist in all three forms and are available as not only mobile apps but also desktop and web apps. The Adobe Photoshop image editor is a full software program that runs on your computer, but Adobe Photoshop Sketch is a mobile app that lets you draw and paint from a portable device. It's more of a condensed version of the desktop application. The same is true with the web app called Adobe Photoshop Express Editor.

http://www.adobe.com/products/photoshop.html

Another example is Microsoft Word. It's available for computers in its most advanced form but also on the web and via a mobile app. Those two examples are of apps that exist in all three app forms, but that isn't always the case.

https://office.live.com/start/Word.aspx

For example, you can get to your Gmail messages through the official Gmail.com website and Gmail mobile app but there isn't a desktop program from Google that lets you access your mail. In this case, Gmail is both a mobile and web app but not a desktop app.

Others (usually games) are similar in that there are both mobile and web versions of the same game but maybe not a desktop app. Or, there might be a desktop version of the game but it's not available as a web or mobile app.

You may have heard people talking about using a program, an application, or an app. But what exactly does that mean? Simply put, an app is a type of software that allows you to perform specific tasks. Applications for desktop or laptop computers are sometimes called desktop applications, while those for mobile devices are called mobile apps.

When you open an application, it runs inside the operating system until you close it. Most of the time, you will have more than one application open at the same time, which is known as multi-tasking.

In January 2011, the American Dialect Society named "app" the word of the year for 2010. That action alone says a lot. Being named word of year signifies that a term is trendy and growing in popularity. However, just because the use of a word is growing, we shouldn't assume that everyone knows it — yet. That's because being named word of the year also implies that the word is newly prominent. If the word were utterly commonplace like "dog" or "cat" it wouldn't have been singled out. Therefore, we should recognize that not everyone will know the word "app" at this point.

https://smallbiztrends.com/2011/03/what-is-an-app.html

Defining "App:" The word app is a noun, and it's short for "application." Application in this case refers to a software application — in other words, an app is a software program.

In January 2011, the American Dialect Society named "app" the word of the year for 2010. That action alone says a lot. Being named word of year signifies that a term is trendy and growing in popularity. However, just because the use of a word is growing, we shouldn't assume that everyone knows it — yet. That's because being named word of the year also implies that the word is newly prominent. If the word were utterly commonplace like "dog" or "cat" it wouldn't have been singled out. Therefore, we should recognize that not everyone will know the word "app" at this point.

https://smallbiztrends.com/2011/03/what-is-an-app.html

Defining "App:" The word app is a noun, and it's short for "application." Application in this case refers to a software application — in other words, an app is a software program.

Why An App Is Important

Now that we've got that figured out, the next question you're probably asking is "why should I care about apps?"  Two good reasons:

(1) Web apps or online apps can be a faster, cheaper, more efficient way of deploying software in your business.  Rather than buying a software license, having to install it on your servers or local computers, keeping up with updates — all of which can be expensive and take time — you can simply go online and sign up for an account.  In a few minutes you are using the software.  And typically you pay a monthly fee, meaning that you don't have to pay license fee up front.   For more on what you can do with Web applications, read:  How Small Businesses Use Web Apps – and What to Look For.

https://smallbiztrends.com/2010/10/how-small-businesses-use-web-apps.html

(2) Mobile apps extend the reach and productivity of your business.  Once you equip your mobile device and/or your employees' mobile devices with apps, then you and they can perform all sorts of business functions while out of the office traveling, on sales calls, making service calls, etc.  A mobile app usually enables you to do something specific, like accessing your bank account in the case of a banking app, or run payroll with a payroll mobile app.  Check out: 10 Ways to Use Mobile Devices to Run Your Business.  

https://smallbiztrends.com/2010/09/mobile-devices-to-run-your-business.html

So the next time someone bandies about the term "app" you'll be in the know. More importantly, perhaps you'll be in a position to say, "Oh sure, we use all sorts of apps to run our business better."

Grow A Business With Localized Web Traffic From THEIR OWN Google-Friendly Blog Website! G3 Make's It Easy...

Google ranks websites based on the relevance, freshness, and content structure. G3 creates powerful custom content for the client that search engines LOVE based on important keywords about their business type and location. Then, G3 will merge that content with specific details the client's have given them about The client themselves! The result...? A powerful web presence that helps propel the client to the top of search results!

G3 Development Writes "Powerful Custom Content" Specific to THE CLIENT!
G3 localize's their content
G3 includes relevant keywords and optimized links
G3 Publishes  the Clients Content at the Right Frequency!
Appeals to search engines like Google
Search engines index the clients information SOONER
G3 Creates and Manages the Tools For the Cleint!
G3 provides the blog
G3 provides the hosting

As the cleints new blog site begins to fill with content, and they establish a web presence, search engines begin to notice, index, and list them in their results. This is often referred to as "Organic SEO". The more custom content they have, the higher the site climbs in search results. If they're new to blogging and web marketing, G3 understands. For the most part, they'll take care of things for the client. However if they would like to get involved, G3 created an easy-to-follow instructions and a cool video library to help them become more familiar with their new blog site. G3 Development provides access to these resources once the client has established an account.

~If one thinks about "the real reason why"  they need to engage in Social Media,
it all boils down to these basics:
(a)   Forming the right relations and
(b)   Doing so the right way
~Many business leaders are still at the fundamental stage of asking,
"Why is Social Media important for my business?"
~This very question begs another question:
"Have you been paying attention to the marketplace?"

Ok, so, most people will answer these questions quite easily.  And here's how it usually goes: "Yes, of course I've been paying attention to the marketplace and Social Media is obviously important because it seems to be everywhere one turns.  One is hearing about Social Media but still have the need to understand why  the businesses using it and why is it creating so much attention."  The answer to "Why" is related to "How and What" a business does to engage in market relations with the aim of creating an opportunity for a business transaction.  Why do businesses exist?  Primarily to:

(a) Create value and
(b) Attract a market who wants the value proposition enough to engage.

However, the "How" of doing this has dramatically changed in the last 2 years from "Push Marketing" to "Pull Marketing."  This transformation has all happened via relevant and relative conversations that attract the market one will seek to the client.

About G3 Development
G3 Development is set out to proactively serve the business community by providing solutions in entrepreneurialism, business development, social media and venture capitalism.

To provide leadership in establishing strength with our client's international businesses, being built on a foundation of innovation, advocacy, technology and business integrity

http://www.g3-development.co/
877-229-9183

For more information on this press release visit: http://www.sbwire.com/press-releases/phoenix-arizona-reason-84-why-supporting-the-nationwide-well-beyond-marketing-network-wellbeyond-product-offering-may-be-a-foolish-choice-825867.htm

Media Relations Contact

Adam Green
Well Beyond
Telephone: 801-809-7766
Email: Click to Email Adam Green
Web: http://www.g3-development.co


          Peoria, AZ Reason #86 Why Aligning to the Local .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May Be an Atrocious Choice   

Peoria, AZ -- (SBWIRE) -- 06/29/2017 -- Can APPS that go "Well-Beyond" really make apps that spread health?

Can APPS that go "Well-Beyond" really make apps that spread happiness?

Do you truly believe that APPS can be tools to help you live a better life?

If You Do, then Contact Us Today!
g3president@comcast.net
801-809-7766

G3 Develops Customs APPS.
G3's latest APP Technology is called: Well-Beyond-Period (i.e. Well-Beyond.)

What the APP? The word "app" is an abbreviation for "application." It's a piece of software that can run through a web browser or even offline on your computer, phone, tablet or any other electronic device. Apps may or may not have a connection to the internet. App is a modern take on the word software or application. This is why you probably only hear it in reference to a mobile app or a small piece of software that's running on a website. It's typically used to describe anything that isn't a full-fledged software program.

Types of Apps: There are three main types of apps: (1) Desktop, (2) Mobile and (3) Web.

Desktop apps, like mentioned above, are usually much "fuller" and are comprised of all the features of a program, whereas the mobile or app equivalent is a simpler and easier-to-use version. This makes sense when you consider that most desktop and web apps are built to be used with a mouse and keyboard along with a much larger display, but mobile apps are intended to be accessed with a finger or stylus on a small screen.

https://www.lifewire.com/what-are-apps-1616114

Web apps might be full of features too but they have to leverage the capabilities of the internet connection and web browser program, so while some are heavy duty and can perform really well like mobile or desktop programs, most web apps are lightweight for a reason. If an app is a mix between a web app and desktop app, they might be called hybrid apps. These are apps that have an offline, desktop interface and direct access to hardware and other connected devices, but also an always-on connection to the internet for quicker updates and access to internet resources. http://www.g3-development.co/

http://www.g3-development.co/

https://youtu.be/RvgYOIHtWDA

https://youtu.be/61e2ZIw1mKo

Examples of Apps: Some apps exist in all three forms and are available as not only mobile apps but also desktop and web apps. The Adobe Photoshop image editor is a full software program that runs on your computer, but Adobe Photoshop Sketch is a mobile app that lets you draw and paint from a portable device. It's more of a condensed version of the desktop application. The same is true with the web app called Adobe Photoshop Express Editor.

http://www.adobe.com/products/photoshop.html

Another example is Microsoft Word. It's available for computers in its most advanced form but also on the web and via a mobile app. Those two examples are of apps that exist in all three app forms, but that isn't always the case.

https://office.live.com/start/Word.aspx

For example, you can get to your Gmail messages through the official Gmail.com website and Gmail mobile app but there isn't a desktop program from Google that lets you access your mail. In this case, Gmail is both a mobile and web app but not a desktop app.

Others (usually games) are similar in that there are both mobile and web versions of the same game but maybe not a desktop app. Or, there might be a desktop version of the game but it's not available as a web or mobile app.

How to download apps? Where you get your apps from depends on what kind of smartphone you're using. The three of today's biggest smartphone platforms - Android, iOS and Windows Phone - all come with brows-able desktop web sites and accompanying app stores that arrive built-in as part of the phone's operating system.

In addition to the official app stores from Apple, Google and Microsoft, there are unofficial options, too. Take the Android Amazon Appstore app for example. Google doesn't allow rival app shops to list themselves on its own app shop, so the Amazon Appstore has to be downloaded to your phone through the web browser. Install this and you're presented with Amazon's own collection of apps, which can offer different prices and levels of support when compared to the Google option. And, to go a step further, Android's open software lets anyone install anything from the web.

http://www.techradar.com/news/phone-and-communications/mobile-phones/what-are-apps-and-how-do-they-work-with-your-smartphone-1141429

You may have heard people talking about using a program, an application, or an app. But what exactly does that mean? Simply put, an app is a type of software that allows you to perform specific tasks. Applications for desktop or laptop computers are sometimes called desktop applications, while those for mobile devices are called mobile apps.

When you open an application, it runs inside the operating system until you close it. Most of the time, you will have more than one application open at the same time, which is known as multi-tasking.

In January 2011, the American Dialect Society named "app" the word of the year for 2010. That action alone says a lot. Being named word of year signifies that a term is trendy and growing in popularity. However, just because the use of a word is growing, we shouldn't assume that everyone knows it — yet. That's because being named word of the year also implies that the word is newly prominent. If the word were utterly commonplace like "dog" or "cat" it wouldn't have been singled out. Therefore, we should recognize that not everyone will know the word "app" at this point.

https://smallbiztrends.com/2011/03/what-is-an-app.html

Defining "App:" The word app is a noun, and it's short for "application." Application in this case refers to a software application — in other words, an app is a software program.

Why An App Is Important

Now that we've got that figured out, the next question you're probably asking is "why should I care about apps?"  Two good reasons:

(1) Web apps or online apps can be a faster, cheaper, more efficient way of deploying software in your business.  Rather than buying a software license, having to install it on your servers or local computers, keeping up with updates — all of which can be expensive and take time — you can simply go online and sign up for an account.  In a few minutes you are using the software.  And typically you pay a monthly fee, meaning that you don't have to pay license fee up front.   For more on what you can do with Web applications, read:  How Small Businesses Use Web Apps – and What to Look For.

https://smallbiztrends.com/2010/10/how-small-businesses-use-web-apps.html

(2) Mobile apps extend the reach and productivity of your business.  Once you equip your mobile device and/or your employees' mobile devices with apps, then you and they can perform all sorts of business functions while out of the office traveling, on sales calls, making service calls, etc.  A mobile app usually enables you to do something specific, like accessing your bank account in the case of a banking app, or run payroll with a payroll mobile app.  Check out: 10 Ways to Use Mobile Devices to Run Your Business.  

https://smallbiztrends.com/2010/09/mobile-devices-to-run-your-business.html

So the next time someone bandies about the term "app" you'll be in the know. More importantly, perhaps you'll be in a position to say, "Oh sure, we use all sorts of apps to run our business better."

Peoria, AZ Reason #86 Why Aligning to the Local .Well-Beyond. 'Marketing Network (#WellBeyond) Business Model May be an Atrocious Choice

Grow A Business With Localized Web Traffic From THEIR OWN Google-Friendly Blog Website! G3 Make's It Easy...

Google ranks websites based on the relevance, freshness, and content structure. G3 creates powerful custom content for the client that search engines LOVE based on important keywords about their business type and location. Then, G3 will merge that content with specific details the client's have given them about The client themselves! The result...? A powerful web presence that helps propel the client to the top of search results!

G3 Development Writes "Powerful Custom Content" Specific to THE CLIENT!
G3 localize's their content
G3 includes relevant keywords and optimized links
G3 Publishes  the Clients Content at the Right Frequency!
Appeals to search engines like Google
Search engines index the clients information SOONER
G3 Creates and Manages the Tools For the Cleint!
G3 provides the blog
G3 provides the hosting

As the cleints new blog site begins to fill with content, and they establish a web presence, search engines begin to notice, index, and list them in their results. This is often referred to as "Organic SEO". The more custom content they have, the higher the site climbs in search results. If they're new to blogging and web marketing, G3 understands. For the most part, they'll take care of things for the client. However if they would like to get involved, G3 created an easy-to-follow instructions and a cool video library to help them become more familiar with their new blog site. G3 Development provides access to these resources once the client has established an account.

~If one thinks about "the real reason why"  they need to engage in Social Media,
it all boils down to these basics:

(a)   Forming the right relations and
(b)   Doing so the right way
~Many business leaders are still at the fundamental stage of asking,
"Why is Social Media important for my business?"
~This very question begs another question:
"Have you been paying attention to the marketplace?"

Ok, so, most people will answer these questions quite easily.  And here's how it usually goes: "Yes, of course I've been paying attention to the marketplace and Social Media is obviously important because it seems to be everywhere one turns.  One is hearing about Social Media but still have the need to understand why  the businesses using it and why is it creating so much attention."  The answer to "Why" is related to "How and What" a business does to engage in market relations with the aim of creating an opportunity for a business transaction.  Why do businesses exist?  Primarily to:

(a) Create value and
(b) Attract a market who wants the value proposition enough to engage.

However, the "How" of doing this has dramatically changed in the last 2 years from "Push Marketing" to "Pull Marketing."  This transformation has all happened via relevant and relative conversations that attract the market one will seek to the client.

About G3 Development
G3 Development is set out to proactively serve the business community by providing solutions in entrepreneurialism, business development, social media and venture capitalism.

To provide leadership in establishing strength with our client's international businesses, being built on a foundation of innovation, advocacy, technology and business integrity

http://www.g3-development.co/
877-229-9183

For more information on this press release visit: http://www.sbwire.com/press-releases/peoria-az-reason-86-why-aligning-to-the-local-well-beyond-marketing-network-wellbeyond-business-model-may-be-an-atrocious-choice-825869.htm

Media Relations Contact

Adam Green
Well Beyond
Telephone: 801-809-7766
Email: Click to Email Adam Green
Web: http://www.g3-development.co


          Financial Solutions Advisor - Bank of America - Burlington, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Thu, 04 May 2017 20:59:36 GMT - View all Burlington, NC jobs
          Financial Solutions Advisor- Central Valley Areas - Bank of America - Canyon Country, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 04:36:33 GMT - View all Canyon Country, CA jobs
          Financial Solutions Advisor- North Orange County/LA Areas - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 01 Jun 2017 02:28:14 GMT - View all Hawthorne, CA jobs
          Financial Solutions Advisor- North Orange County/LA - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Tue, 02 May 2017 23:03:43 GMT - View all Hawthorne, CA jobs
          Financial Solutions Advisor- South Orange County Areas - Bank of America - Irvine, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 23:35:25 GMT - View all Irvine, CA jobs
          Financial Solutions Advisor- South Orange County Areas - Bank of America - Newport Beach, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 23:35:10 GMT - View all Newport Beach, CA jobs
          Financial Solutions Advisor - North Hialeah Financial Center - Bank of America - Hialeah, FL   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Fri, 26 May 2017 03:22:12 GMT - View all Hialeah, FL jobs
          Financial Solutions Advisor - Bank of America - Cary, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Tue, 09 May 2017 18:42:11 GMT - View all Cary, NC jobs
          Senior Financial Advisor - Scotiabank - Kitchener, ON   
Day to Day Banking, Borrowing and Creditor Insurance, Self Service banking and Investments. Join the Global Community of Scotiabankers to help customers become...
From Scotiabank - Tue, 27 Jun 2017 06:46:02 GMT - View all Kitchener, ON jobs
          Senior Applications Programmer (Online & Mobile Banking)   
SchoolsFirst Federal Credit Union Tustin, CA
          Relationship Officer - Corporate Banking   
&nbsp&nbsp on Relationship Officer - Corporate BankingLocation &nbspUnited Arab EmiratesPosted On on 11417Job SpecificationNumber of Vacancies 1Job Type Full-timeExperience 3 to 5 yearsJob Code JB101942Expiry Date Jul 21 2017Job Summary Functional Area Corporate BankingJob Role Relationship Officer - Corporate BankingLocation &n
          Private Banking Associate - CIBC - Toronto, ON   
Complete the various reports (OICC/ARM, PLC and ABC Review, overdrafts etc.). CIBC is a leading Canadian-based global financial institution....
From CIBC - Mon, 26 Jun 2017 19:38:18 GMT - View all Toronto, ON jobs
          Java/J2EE Developer - Morgan Stanley - Montréal, QC   
Perl and Shell Scripting (such as ksh). Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities,...
From Morgan Stanley - Thu, 22 Jun 2017 18:09:16 GMT - View all Montréal, QC jobs
          Misys TI+ MTP Product Consultant - Cognizant - Scotland   
Interfacing between the product vendors and customers and determining the best approach to close the gap. Banking and Financial Services Practice Overview:....
From Cognizant - Tue, 06 Jun 2017 15:37:27 GMT - View all Scotland jobs
          The Future of English in the World of Communication   
English – History

Britain’s colonial expansion established the pre-conditions for the global use of English, taking the language from its island birthplace to settlements around the world. The English language has grown up in contact with many others, making it a hybrid language which can rapidly evolve to meet new cultural and communicative needs.

English in the 20th century

The story of English has been closely linked to the rise of the US as a superpower that has spread the English language alongside its economic, technological and cultural influence. In the same period, the international importance of other European languages, especially French, has declined.

Who speaks English?

There are three kinds of English speaker:

- Those who speak it as a first language

- Those for whom it is a second or additional language

- Those who learn it as a foreign language.


English is remarkable for its diversity, its propensity to change and be changed. This has resulted in both a variety of forms of English, but also a diversity of cultural contexts within which English is used in daily life.

The main areas of development in the use and form of English will undoubtedly come from non-native speakers.

Major International domains of English

  1. Working language of international organizations and conferences
  2. Scientific publications
  3. International banking, economic affairs and trade
  4. Advertising for global brands
  5. Audio-visual cultural products (e.g. film, TV, popular music)
  6. International tourism
  7. Tertiary education
  8. International safety (e.g. ‘airspeak’, ‘seaspeak’)
  9. International law
  10. As a ‘ready language’ in interpretation and translation
  11. Technology transfer
  12. International communication.

English is the most widespread language on the earth, and it is second only to Mandarin Chinese in the number of people who speak it.

The International Telecommunication Union (ITU) has five official languages: English, French, Spanish, Russian, and Chinese.

In the era of communication, English is gaining a strong position.

English -The most widespread language on the earth - How?


- When an Indonesian businessman meets a customer from Finland, they converse in English.

- Airline pilots flying international routes communicate with their controllers in English.

- 76% of the content of the Internet is in English. (The runners-up are, in order: Japanese, French, German, and Chinese.)

- Out of 193 countries of the world, 43 are English speaking [http://www.aneki.com/english.html]

- English is the second most spoken language in the world

- There are 57 million blogs on the Internet. English and Japanese remain the two most popular languages in the blogosphere. [http://technorati.com/weblog/2006/11/161.html]

- Most people use English language to communicate using SMS.

ENGLISH – COMPUTER LANGUAGES

English and computers have seemed, for decades to go together. Computers and the programs which make them useful were largely the invention of English speaking countries. The hardware and software reflect the needs of English language.

English will continue to be spread via software products and digitized intellectual property.

ENGLISH – THE WORLD

  • English and the International Economy


The shifting patterns of trade and new working practices are affecting the use of English language in complex ways. At present there is a considerable increase in the numbers of people learning and using English.

  • English and global culture

As the number of people using English grows, so second-language speakers are drawn towards the ‘inner circle’ of first-language speakers to the ‘outer circle’ of second-language speakers.

  • English as a leading-edge phenomenon

English is closely associated with the leading edge of global scientific, technological, economic and cultural developments, where it has been unrivalled in its influence in the late 20th century.

In four key sectors, the present dominance of English can be expected to give way to a wider mix of languages:

- The global audio-visual market, especially satellite TV

- The Internet and computer-based communication including language-related and document handling software

- Technology transfer and associated processes in economic globalization

- Foreign-language learning, especially in developing countries where growing regional trade may make other languages of increasing economic importance.

  • A bilingual future

There is a growing belief among language professionals that the further will be a bilingual one, in which an increasing proportion of the world’s population will be fluent speakers of more than one language.

  • Social value shifts

The spread of English has been made more rapid in recent years as a consequence of decisions and actions taken by governments, institutions and individuals.

The economic argument for English also may be challenged as developing countries make more careful evaluations of the costs and benefits of mass educational programmes in the English language.

Language shift

In many parts of the world there are ongoing shifts in the status of English.

In the countries listed below, the use of English for International communication is largely increasing:

- Argentina

- Belgium

- Costa Rica

- Denmark

- Ethiopia

- Honduras

- Lebanon

- Burma

- Nepal

- The Netherlands

- Nicaragua

- Norway

- Panama

- Somalia

- Sudan

- Surinam

- Sweden

- Switzerland

- United Arab Emirates.


DISCLAIMER: I have taken some information and print screens from an eBook at http://www.britishcouncil.org/learning-elt-future.pdf.

          Reply by Frater   
The Illuminati should not be confused with TPTB. TPTB are the moneymasters (central banking) and their minions the corporations and politicians. The term Illuminati is so broad as their are so many different groups claiming to be the Illuminati. Some people lump them all together but the...
          Customer Representative - Woodstock, NB - part-time - Scotiabank - Woodstock, NB   
Scotiabank helps to build bright futures worldwide through ethical banking practices, environmental awareness and a commitment to communities....
From Scotiabank - Thu, 29 Jun 2017 18:49:52 GMT - View all Woodstock, NB jobs
          Acquisition Sales Representative (National Risk Specialist) - Banker's Toolbox - Austin, TX   
Experience in banking solution sales, particularly BSA AML compliance / fraud detection, highly preferred but not required....
From Banker's Toolbox - Tue, 02 May 2017 23:12:11 GMT - View all Austin, TX jobs
          Comment on Wachovia Online Banking www.wachovia.com Review by Rosio Erbentraut   
Really great article as a big fun of Nokia I will visit more your blog. Regards.
          Comment on Genesis Cloud Mining Review – It’s Not as Profitable as You’d Think by twistsmyth   
Im on the same contract. A loop hole .. POS goes live in November , when this happens genesis will switch you to the most profitable coin at the time. 2 contracts for the price of one :) im banking on that the move to POS will trigger the third crypto bubble allowing us to sell our ether at close to $1000 a pop. bOwVvp , this is my la la land.
          Money laundering risk significant for private banking as 4MLD comes into force - European Commission   
Money laundering risk remains significant for private banking and institutional investment, especially through brokers, the European Commission said as the Fourth Money Laundering Directive came into force this week. "This is due to the overall higher exposure to product and customer risks, pressures of competition in the sector and a limited understanding among supervisors of their operational AML/CFT risks," it said in a report just published. Safe custody services are seen as significantly exposed to money laundering risks due to limitations in monitoring capacities for obliged entities, and the existence of non-regulated storage activities, the Commission said in the supranational risk assessment report. Electronic money or money value transfer services are considered significantly, and even highly significantly, exposed to money laundering and terrorist financing (ML/TF) risks, it said. For currency exchange offices, applying the anti-money laundering rules to occasional
          Britain's 'City' minister says mindful of rules banks now facing   
The government is fully aware of the welter of new rules banks face at a time of low interest rates and other challenges, Britain's new financial services minister said on Thursday. Two weeks into the job, Stephen Barclay, a former financial regulator who has worked in banking, struck a conciliatory tone, saying it was very clear that the pace of regulation has not abated. "In government we need to be mindful of the cumulative impact," Barclay told a British Bankers' Association conference. Banks face new rules to prevent money laundering, requiring them to ring-fence their retail arms with their own layer of capital, and opening up the payments services market with new EU rules to boost innovation, Barclay said. He wanted to give banks as much time as possible to implement the new EU rules and said he had asked officials to lay out the regulations before parliament's summer break. The banking sector faces potential upheaval with Britain's departure from the European Union
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Our best BCMs work with management and staff to manage risk by ensuring compliance to retail banking directives, corporate policies, human resources policies...
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Sales Director - BFSI Philippines   
NSW-Sydney CBD, Profitable US FinTech Seeking a business leader in Philippines to build out organization locally selling to Banks and FI`s Philippines Head of Sales You will be an established leader in Philippines with networks across Banking/Financial Institutes. Your chance to pivot from a respected leader to an entrepreneur building a local team and personally closing accounts with your banking connections. Ou
          Atm से पैसे कैसे निकाले    


atm से पैसे कैसे निकाले , ATM se Paise Kaise Nikale With Picture. एटीएम से पैसे निकालने की विधि .
Aaj hum janenge ki ATM Machine Se Paise kaise nikale jate hai? bahut se logo ke man me ye sawal hota ki ATM se paise nikalane ki vidhi kya hai. To aap is post ko read kare to aapko samaj me aayega ki ATM ka Use Kaise Kiya jata hai.

ATM Se Paise Nikalane Ki Vidhi

ATM Card Kya Hota Hai?

ATM Card ek ek plastic ka card hota hai. ATM Card ka ek Secret PIN Number hota hai. PIN number kisi bhi na bataye, isse gopniy rakhe. Jiski madad se hum kahi bhi kabhi bhi 24*7 paise nikal sakate hai. Aaj kal har kisi ke pass ATM Card aa gaya hai. Ab log purane jamane ki tarah wallet me paise nahi rakhate jab bhi jarurat hoti hai Card nikala swap kiya aur nikale paise.
Agar aapko shopping karani hai tab bhi aap ATM Card ka use kar sakate hai.
ATM Card kayi prakar ke hote hai, jaise Master Card, Maestro Card, Rupay Card




ATM Se Paise Kaise Nikale

Jo naye log hai, unko pata nahi hota hai ki ATM Card ka use kaise kiya jata hai.

1. To aapko kya karana hai kisi bhi ATM Machine pe chale jaye.
2. Aapka jo ATM Card hai use ATM Machine me jo slot hota hai usme insert kar de. Aur turant Card Nikal Le.
3. Card insert karate hi aapko bhasha (language) select karani hai. Aapke hisaab se bhasha (Hindi/English) chune.
4. Apne ATM ka PIN Number (4 Digit ka) Dale
5. Ab aapko screen pe option dikhayi denge usme Banking Select kare.
6. Aapke samane bahut se options honge unme se Cash Withdrawal pe click karde.
7. Aapka jo account hai Current ya Saving wo select kare.
8. Amount enter kare (aapko jitane paise nikale hai wo rakam dale). Aur yes pe click karde.
9. Transaction ko pura hone de. Aur apni rakam collect karle.
10. Apni slip le le. Aur aakhir me Clear pe click karde.




    
   o   NEFT Aur RTGS Kya Hota Hai

ATM Se Paise Nikalate Waqt Ye Baate Rakhe Dyan Me

ATM Card use karate samay aapko kuch baate dyan me rakhani padati hai. ATM Card ko use hum limited time hi kar sakate hai, kyon ki jo Bank hai unone transaction par limit de rakhi hai.


Metro City Ke Liye Transaction Limit: (Delhi, Mumbai, Kolkata,
Chennai, Bengaluru and Hyderabad)
Dusare bank ke Atm par hum 1 month me 3 Free transaction kar sakate hai.
Aur apni bank ke ATM par 1 month me 5 free transaction kar sakate hai.
Free Transction me kya kya aata hai: PIN Change, Balance Enquiry, Mini Statement, and Balance Transfer etc.
Yane metro city me aapko total 8 free transaction milate hai, agar aap 1 month me 8 se jayada transction karoge to aapke 1 transaction ke liye Rs.20 charge legega.

  




Non-Metro City Ke Liye Transaction Limit:
Non metro ki liye total 10 free transaction hai. Bank bank ke ATM par 5 aur dusare bank ke atm par 5 yese kul milakar 10 free transaction 1 month me kar sakate hai. Jayada transction karoge to aapke 1 transaction ke liye Rs.20 charge legega.
To aaj humane sikha ki ATM se paise kaise nikale aur ATM ke 1 month me kitne transaction kar sakate hai.

Agar aapka isse related agar koi bhi sawal hai to aap comment me puch sakate hai.

          Teller-Veterans - IBERIABANK - Metairie, LA   
Provide quality, accurate and timely customer service involving daily processing of financial transactions in a retail banking environment, which include the
From IBERIABANK - Fri, 30 Jun 2017 02:28:22 GMT - View all Metairie, LA jobs
          Commercial Underwriter - IBERIABANK - New Orleans, LA   
Provides analytical support for commercial banking including an independent analysis of the creditworthiness of customers and prospects. ESSENTIAL DUTIES
From IBERIABANK - Mon, 22 May 2017 21:47:11 GMT - View all New Orleans, LA jobs
          Client Advisor - RBC - Sundridge, ON   
Client Advisor, Personal &amp; Commercial Banking. Leaders who support your development through coaching and managing opportunities....
From RBC - Fri, 30 Jun 2017 19:20:40 GMT - View all Sundridge, ON jobs
          Client Service Representative - RBC - Saskatchewan   
Leaders who support your development through coaching and managing opportunities. Proactively take ownership of resolving and preventing client banking problems...
From RBC - Mon, 26 Jun 2017 23:03:28 GMT - View all Saskatchewan jobs
          Estate & Trust Representative - Innovation Credit Union - Saskatchewan   
Experience with AOS and banking system. Informal Leadership &amp; Flexibility to perform other duties as assigned.... $44,440 a year
From Innovation Credit Union - Thu, 08 Jun 2017 00:02:47 GMT - View all Saskatchewan jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Saskatchewan   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:16 GMT - View all Saskatchewan jobs
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Rivière du Loup. Number of hours (if position is part-time indicate the number of hours)....
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Matane. For the description of the position please refer to the french version....
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
The Outbound Sales Representative is responsible for managing and developing mutually beneficial banking relationships with customers;...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Key Holder - Full Time - Magnotta Winery - Ontario   
Controlling overages and shortages of cash and performing banking procedures. Magnotta Winery offers a competitive salary, comprehensive benefits plan and the...
From Magnotta Winery - Fri, 23 Jun 2017 18:22:54 GMT - View all Ontario jobs
          Supervisor, Accounts Payable (9-month contract) - Ontario Basketball - Ontario   
Perform weekly EFT payment file upload on web business banking. Execute void &amp; outstanding cheque status look up on web business banking....
From Ontario Basketball - Thu, 22 Jun 2017 21:21:36 GMT - View all Ontario jobs
          Elementary School Secretary - District School Board of Niagara - Ontario   
Attendance as well as handle petty cash, banking and electronic requisitioning. Applicants are required to deal with telephone and counter....
From District School Board of Niagara - Thu, 22 Jun 2017 15:42:06 GMT - View all Ontario jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Ontario   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:21 GMT - View all Ontario jobs
          Security Analyst - Eagle Professional Resources - Ontario   
Banking / Financial Industry experience. Providing leadership for the provision of technical expertise in development and support of activities, processes,...
From Eagle Professional Resources - Wed, 12 Apr 2017 20:12:08 GMT - View all Ontario jobs
          Territory Manager - Leasing - Westminster Savings Credit Union - Ontario   
We have four lines of business – Consumer Banking, Commercial Banking, Wealth Management, and Auto/Equipment Leasing....
From Westminster Savings Credit Union - Fri, 24 Mar 2017 00:39:28 GMT - View all Ontario jobs
          Pursue your Potential (PYP)- Aboriginal Peoples - RBC - Ontario   
What do you need to eligible? We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking,...
From RBC - Thu, 23 Mar 2017 04:43:08 GMT - View all Ontario jobs
          People Line Up to Buy Recreational Marijuana in Nevada   

Hundreds of people lined up in the middle of the night to be among the first to buy legal marijuana in Nevada, which became the fifth state to allow recreational sales on Saturday morning. Tourists and locals alike were in the often-long lines celebrating the first sales that came after voters in Nevada approved legalization in November.

Now anyone who is 21 and older can buy up to an ounce of marijuana in Nevada. And while tourists are expected to make up a big percentage of the customers, marijuana can only be consumed in a private home. That’s why dispensaries seem to be banking on the popularity of edibles, particularly in Las Vegas.

Nevada is now the fifth state—after Colorado, Oregon, Washington, and Alaska—to fully regulate and tax the recreational marijuana market. Three other states—California, Maine, and Massachusetts—also approved legalization of marijuana last year but they have yet to implement the legal sales.

Supporters of legalization say Nevada is set to take in hundreds of millions of dollars in tax revenue on the sales. “The shows, the gambling, the drinks … now legal pot,” a 26-year-old visitor from Chicago who bought marijuana at a dispensary a block away from the Strip told the Los Angeles Times. “Who wouldn’t want to come visit?”


          An agile approach to recruitment at Lloyds Banking Group   

Lloyds Banking Group now specify if agile working options are on offer, for each and every new job they advertise. They also make it clear which types of agile working are available for the role.

The post An agile approach to recruitment at Lloyds Banking Group appeared first on Hire Me My Way.


          Financial Advisor Trainee - St John's, Newfoundland - Scotiabank - Canada   
Requisition ID: 1616 St. John's Commercial Banking Centre & Main Branch, Nfld Join the Global Community of Scotiabankers to help customers become better off
From Scotiabank - Tue, 27 Jun 2017 06:46:39 GMT - View all Canada jobs
          Financial Center Manager III - New Lenox - Fifth Third Bank - New Lenox, IL   
Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education,...
From Fifth Third Bank - Wed, 28 Jun 2017 23:12:49 GMT - View all New Lenox, IL jobs
          Float Teller - Huntington - Arlington, OH   
You will be provided opportunities to develop your skills in building relationships with customers but also learn about the different areas of banking....
From Huntington Bank - Thu, 22 Jun 2017 22:03:37 GMT - View all Arlington, OH jobs
          Sales & Svc Supp - non client - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: Premium Acquisitions Grade: 8 Location: Delhi Job
From Standard Chartered Bank - Fri, 30 Jun 2017 17:36:30 GMT - View all New Delhi, Delhi jobs
          Bus Dvlpt Exec, Priority - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: New Business Grade: 8 Location: Delhi Job Description
From Standard Chartered Bank - Wed, 28 Jun 2017 11:34:38 GMT - View all New Delhi, Delhi jobs
          Winner of Best Global Offshore Banking Team   

At the height of the award season, AES International has won four awards and has been named International Employee Benefits Team of the Year – UAE, Non-Domiciled Company Focused Financial Services Firm of the Year, Best Global Offshore Banking Team of 2014 award; and Best Private Wealth Management Adviser – UAE award.

(PRWeb October 23, 2014)

Read the full story at http://www.prweb.com/releases/2014/10/prweb12265458.htm


          International financial advisor AES International launches expat mortgage offering for high net worth individuals living and working overseas   

After a successful trial period with its offshore banking partner Nedbank Private Wealth, the international financial advisor AES International is expanding its offering for wealthy expats looking to buy UK property, which remains a favourite investment of Brits living abroad.

(PRWeb September 30, 2014)

Read the full story at http://www.prweb.com/releases/2014/10/prweb12207082.htm


          Hiring for Sr Analyst_fcir in Bengaluru/Bangalore,Bangalore East for Exp. 0 - 5 yrs at JP Morgan Cha (Job in Kolkata)   
Job Description:J.P. Morgan is a leading global financial services firm, established over 200 years ago: o We are the leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing...
          US deficit biggest problem: Gorman   
THE biggest issue facing global markets is not Greece but the $1.5 trillion US budget deficit, Morgan Stanley chief James Gorman says.
          MacBank expands Asia bond operation   
MACQUARIE is expanding its bond and loan arranging business in Asia, as sales of so-called "dim sum" notes surge.
          MySuper deadlocked on price   
MULTIPLE pricing for MySuper funds remains a sticking point in negotiations over the federal government's superannuation reforms.
          Swan bats off fears of global downturn   
WAYNE Swan has talked up the economy's capacity to withstand another global downturn, but warned it was "not immune".
          Debt levels cast shadow on the West   
AROUND the globe, the inability of governments and households to reduce their debt continues to cast a shadow over Western economies.
          Greek troubles worry frugal Germans   
TO better understand Germans' unease over subsidising their southern neighbours, consider Berliner Niko Strogies.
          EU has 'limited options' for Greece   
AXEL Weber says Europe needs to consider guaranteeing all Greece's outstanding debt because the only viable alternative is a messy default.
          IOOF and DKN lock in scheme   
IOOF Holdings and DKN Financial Group have entered into a scheme of arrangement through which IOOF will acquire DKN for 80 cents a share.
          French plan for Greek debt   
FRENCH banks have proposed a plan to reinvest half the proceeds from maturing Greek government bonds, as part of a new bailout for Greece.
          Age of cheap money must end: BIS   
RISING labour costs in emerging countries threaten to set off a global inflationary spiral similar to the one triggered in the 1970s.
          Call Center Representative 1 - Arrowhead Credit Union - San Bernardino, CA   
Arrowhead Credit Union’s Call Center. We don’t require any banking or call center experience, and we have an extensive training program (10 weeks long) where... $14.86 an hour
From Arrowhead Credit Union - Fri, 30 Jun 2017 01:58:43 GMT - View all San Bernardino, CA jobs
          Hiring for Assistant Manager - Fraud Analytics - Consulting Fim in Delhi/NCR(National Capital Region (Delhi Job)   
Job Description:Desired Experience : - Require professionals with Banking analytics experience (4-6 years) preferably in Credit Card Domain would be ideal. - 2 to 3 years of banking experience. - Has worked in a credit risk environment within acquisitions...
          Hiring for Manager - Analytics - KPO - IIT / BITS / NIT in Delhi/NCR(National Capital Region), Benga (Delhi Job)   
Job Description:Desired Experience : - Require professionals with Banking analytics experience (6-10 yrs years) preferably in Credit Card Domain would be ideal. - 2 to 3 years of banking experience. - Has worked in a analytics domain - The role will suppo...
          Hiring for Senior Manager - Modelling - SAS - Analytics Firm in Delhi/NCR(National Capital Region), (Delhi Job)   
Job Description:1. Leader in the Analytics industry. 2. Known for their quality of work. 3. Employee friendly organisation. 4. Excellent in regards to future prospects. 5. Strong exposure in different domains like Banking, Healthcare, Retail. 6. Excellent...
          eMONEco, Inc. Chooses EVS as Verification and Authentication Partner   

eMONEco, a provider of multi-channel banking, commerce, remittance and payment applications, has partnered with Electronic Verification Systems (EVS) to verify not only the identity of users, but also that they are who they say they are. To do this, eMONEco, Inc., based in Lenexa, Kansas, will be utilizing EVS’s IdentiFraud Consumer product and making use of Dynamic KBA.

(PRWeb December 10, 2014)

Read the full story at http://www.prweb.com/releases/2014/11/prweb12355323.htm


          EVS Announced Release Date for New IdentiFlo Management Platform   

Identity verification and authentication solutions provider, Electronic Verification Systems (EVS), is releasing a new version of their IdentiFlo Management Platform to help improve identity verification and authentication for industries such as banking, insurance, online gaming and other age-restricted products.

(PRWeb December 18, 2013)

Read the full story at http://www.prweb.com/releases/2013/12/prweb11430964.htm


          Electronic Verification Systems Expands Driver’s License Verification Suite   

Identity verification and authentication solutions provider, Electronic Verification Systems (EVS), has expanded their driver’s license verification suite to help improve identity verification and authentication for industries such as banking, insurance, online gaming and other age-restricted products.

(PRWeb October 24, 2013)

Read the full story at http://www.prweb.com/releases/2013/10/prweb11262516.htm


          YB, Inc. Banking Center Kiosks Enlists EVS for Secure Identity Verification   

YB, Inc., the next evolution in the delivery of self-banking kiosks, has partnered with EVS to further secure the kiosks through identity verification and authentication processes.

(PRWeb April 26, 2013)

Read the full story at http://www.prweb.com/releases/2013/4/prweb10671617.htm


          EVS Partners with PayToo to Meet Compliance and Fraud Prevention Needs   

Electronic Verification Systems (EVS) announces its partnership with PayToo to improve mobile payment and mobile banking security and fraud prevention.

(PRWeb January 18, 2013)

Read the full story at http://www.prweb.com/releases/2013/1/prweb10334501.htm


          Comment on Fear and loathing on the Afghan Silk Road by Larchmonter445   
@JD The Chinese "Imperialist" Army is billions of RMBs. They have never in their thousands of years wanted to or did operate an Imperium with military force. They were a mercantile power, traders, importer-exporters, and nothing has changed. The cost of such a constructed Imperium by force would be a total failure and self-destructive. The reason the AIIB exists and the OBOR or BRI or New Silk Road or Maritime Silk Road speak to infrastructure investment is the Chinese economy rise created the technologies, tools, processes and successes of Infrastructure. This is their strength. They do construction faster, cheaper and better than most everyone. Combined with their wealth, they can get Eurasia done, connected from Atlantic to Pacific, Lisbon to Vladivostok. And it breaks the containment of China and Russia by the Hegemon. It creates an inner market of 4.5 Billion people which will not be subject to WTO, BIS, Rothschild banking, etc. It will use RMBs and Ruble and other currencies in bilateral trades. The US hegemony will be peripheral to trade and development. Imperialist Projects are usually built on Military Superiority and Weapons of dominance. The Chinese have a large but "gentle" military among militaries. It's navy is nowhere near large enough or powerful enough to project Imperialist power even in the Indian Ocean. It disappears in the vast Pacific. It could never, for 50+ years at least, become an Imperial Navy with the US, Japanese, Indian and Australian navies nearby. China would bankrupt itself if it attempted such a ridiculous scheme. Building Belts and Roads is co-venturing. The Chinese are requiring the nations, like Pakistan, to provide the military security for the projects within their sovereign space. Hardly Imperialism. Consider the size of the nations, India, Pakistan, Russia, Iran, etc, the idea that China could actuate some Imperialist plan is specious.
          (0-2 Yrs) “Streebo Solutions” Hiring For BE/ BTech/ MTech/ MCA : Jr. Mobile App. Developers @ Ahmedabad   
Streebo Solutions Pvt. Ltd. [www.streebo.com] About Streebo: Headquartered in Houston, Texas and operating across the world through its widespread business partner eco-systems, Streebo (www.streebo.com/mobile) is a Premier IBM Business Partner and a global provider of enterprise mobility and multi-channel solutions for Banking, Insurance, Financial Services, Manufacturing and Retail industries. Awarded with various IBM accolades through ...
          Thomas King Appointed to LEERINK Partners LLC Board   
...acquired by Citigroup. During his tenure at Citi, Mr. King held several senior roles, including Global Head of Mergers and Acquisitions, Head of Investment Banking for the EMEA (Europe, Middle East and Africa) Region and Head of Corporate and Investment Banking ...


          Senior Project Manager with financial Security knowledge - Maltem Consulting - Brussels   
MALTEM Consulting provides highly skilled and talented project teams and individual consultants for clients complex projects. In this perspective, MALTEM Consulting is searching for a "Senior Project Manager with strong knowledge in Financial Security" for its clients located in Brussels (banking sector). start date: ASAP!! duration : 6 months (with possible reconduction) Who are we looking for ? The purpose of the mission is to coordinate an effort which must lead to a...
          SAP S4 Hana Functional Designer - BMO Financial Group - Toronto, ON   
End to End experience on SAP Finance development projects (GL, AFI, FICO, etc.). Experience with SAP Banking Suite (Bank Analyzer, Accounting for Financial...
From BMO Financial Group - Mon, 29 May 2017 21:33:11 GMT - View all Toronto, ON jobs
          Sales & Svc Supp - non client - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: Premium Acquisitions Grade: 8 Location: Delhi Job
From Standard Chartered Bank - Fri, 30 Jun 2017 17:36:30 GMT - View all New Delhi, Delhi jobs
          Bus Dvlpt Exec, Priority - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: New Business Grade: 8 Location: Delhi Job Description
From Standard Chartered Bank - Wed, 28 Jun 2017 11:34:38 GMT - View all New Delhi, Delhi jobs
          Data Analyst - Online Banking   

          Q&A: Banking & Finance   
Any lender looks first at the repaying capacity and the track record so that the account need not be classified as a non-performing asset.
          Query Corner: Loans   
Our expert guides you in matters relating to banking & finance.
          Query corner: Loans   
Our expert guides you in matters related to banking of finance.
          Query corner: Loans   
Our expert VN Kulkarni, Chief counsellor, Abhay Credit Counselling Centre, A Bank of India sponsored initiative, guides you in matters relating to banking & finance.
          Query corner: Loans   
Our expert VN Kulkarni, Chief counsellor, Abhay Credit Counselling Centre, A Bank of India sponsored initiative, guides you in matters relating to banking & finance.
          Query Corner: Loans   
Our expert VN Kulkarni, Chief counsellor, Abhay Credit Counselling Centre, A Bank of India sponsored initiative, guides you in matters relating to banking & finance.
          Query Corner: Loans   
Our expert (VN Kulkarni, Chief counsellor, Abhay Credit Counselling Centre, A Bank of India sponsored initiative) guides you in matters relating to banking & finance. Email to etquerybkg@indiatimes.com
          Query Corner: Loans   
Our expert guides you in matters relating to banking & finance. Email to etquerybkg@indiatimes.com
          Query corner: Loans   
Our expert guides you in matters relating to banking & finance.
          Client Advisor - RBC - Sundridge, ON   
Client Advisor, Personal &amp; Commercial Banking. Leaders who support your development through coaching and managing opportunities....
From RBC - Fri, 30 Jun 2017 19:20:40 GMT - View all Sundridge, ON jobs
          Client Service Representative - RBC - Saskatchewan   
Leaders who support your development through coaching and managing opportunities. Proactively take ownership of resolving and preventing client banking problems...
From RBC - Mon, 26 Jun 2017 23:03:28 GMT - View all Saskatchewan jobs
          Estate & Trust Representative - Innovation Credit Union - Saskatchewan   
Experience with AOS and banking system. Informal Leadership &amp; Flexibility to perform other duties as assigned.... $44,440 a year
From Innovation Credit Union - Thu, 08 Jun 2017 00:02:47 GMT - View all Saskatchewan jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Saskatchewan   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:16 GMT - View all Saskatchewan jobs
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Rivière du Loup. Number of hours (if position is part-time indicate the number of hours)....
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Matane. For the description of the position please refer to the french version....
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
The Outbound Sales Representative is responsible for managing and developing mutually beneficial banking relationships with customers;...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Key Holder - Full Time - Magnotta Winery - Ontario   
Controlling overages and shortages of cash and performing banking procedures. Magnotta Winery offers a competitive salary, comprehensive benefits plan and the...
From Magnotta Winery - Fri, 23 Jun 2017 18:22:54 GMT - View all Ontario jobs
          Supervisor, Accounts Payable (9-month contract) - Ontario Basketball - Ontario   
Perform weekly EFT payment file upload on web business banking. Execute void &amp; outstanding cheque status look up on web business banking....
From Ontario Basketball - Thu, 22 Jun 2017 21:21:36 GMT - View all Ontario jobs
          Elementary School Secretary - District School Board of Niagara - Ontario   
Attendance as well as handle petty cash, banking and electronic requisitioning. Applicants are required to deal with telephone and counter....
From District School Board of Niagara - Thu, 22 Jun 2017 15:42:06 GMT - View all Ontario jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Ontario   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:21 GMT - View all Ontario jobs
          Security Analyst - Eagle Professional Resources - Ontario   
Banking / Financial Industry experience. Providing leadership for the provision of technical expertise in development and support of activities, processes,...
From Eagle Professional Resources - Wed, 12 Apr 2017 20:12:08 GMT - View all Ontario jobs
          Territory Manager - Leasing - Westminster Savings Credit Union - Ontario   
We have four lines of business – Consumer Banking, Commercial Banking, Wealth Management, and Auto/Equipment Leasing....
From Westminster Savings Credit Union - Fri, 24 Mar 2017 00:39:28 GMT - View all Ontario jobs
          Pursue your Potential (PYP)- Aboriginal Peoples - RBC - Ontario   
What do you need to eligible? We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking,...
From RBC - Thu, 23 Mar 2017 04:43:08 GMT - View all Ontario jobs
          Four Key Benefits of Modern Data Classification Tools   
The amount of data required in modern business has exploded in the past decade. The scale of big data has seen consistent and rapid growth every year with 2015 seeing banking, retail and telecoms firms storing more than 30...
          Πειραιώς: Στόχος η μείωση των NPLs κατά 4 δισ. ως το τέλος του 2017   

«Επιδίωξή μας να γίνουμε η Τράπεζα με τα μεγαλύτερα κέρδη στην Ελλάδα και πιο συγκεκριμένα να επιτύχουμε return on assets (απόδοση ενεργητικού) πάνω από 1%, που σημαίνει κέρδη πάνω από 700 εκατ. ευρώ», υπογράμμισε ο διευθύνων σύμβουλος της Τράπεζας Πειραιώς, Χρήστος Μεγάλου, μιλώντας σε συνάντηση στελεχών.

Ο κ. Μεγάλου αναφερόταν στο στρατηγικό σχέδιο της τράπεζας Agenda 2020 και τόνισε: 

«Είμαστε εύρωστοι κεφαλαιακά και ήδη πάνω από τις εποπτικές απαιτήσεις. Πρέπει να το διατηρήσουμε αυτό, πέρα και πάνω από την εξυγίανση του δανειακού χαρτοφυλακίου που πρέπει να κάνουμε. Πρέπει να απεξαρτηθούμε πλήρως από τη χρηματοδότηση του ELA το συντομότερο δυνατό. Να έχουμε πρόσβαση στις αγορές, όπως είχαμε και στο παρελθόν. Πρέπει να είμαστε μια Τράπεζα με κύρος και αξιοπιστία στην ελληνική οικονομία. Ένας φορέας λύσεων, προτάσεων και καινοτομίας. Τόσο για τις επιχειρήσεις όσο και για τους ιδιώτες. Χωρίς γραφειοκρατικές δομές».

Αναφερόμενος στο επόμενο εξάμηνο, ο Χρήστος Μεγάλου είπε, ότι ως το τέλος του έτους, στόχος είναι να ανακτήσουμε τις καταθέσεις. «Αυτές που έφυγαν από το τραπεζικό σύστημα και μεταφέρθηκαν είτε σε θυρίδες, είτε στα στρώματα, είτε σε αμοιβαία κεφάλαια διαχείρισης διαθεσίμων.

Η πορεία μας στην αντιμετώπιση των NPLs πρέπει να είναι εξαιρετικά εντατική. Ο στόχος μας για το τέλος του έτους είναι μείωση των NPLs κατά περίπου 4 δισ. ευρώ, σε σχέση με το σημερινό μας υπόλοιπο, με ρυθμίσεις, εισπράξεις, αλλά και διαγραφές.

Στο corporate banking η ανάσχεση της δημιουργίας νέων NPLs είναι από τις βασικές προτεραιότητες. Ταυτόχρονα, επιλέγουμε συγκεκριμένους, υγιείς, δυναμικούς, εξωστρεφείς κλάδους και επιχειρήσεις, στις οποίες μπορούμε να δώσουμε νέα δάνεια από εδώ και πέρα» πρόσθεσε.

Γενικότερα τόνισε, ότι στόχος είναι η εξυγίανση των δανειακών χαρτοφυλακίων «και να μειώσουμε τα δάνεια σε καθυστέρηση πάνω από 90 μέρες, σε μονοψήφιο ποσοστό μεσοπρόθεσμα. Το 15% είναι ο πρώτος στόχος. Σε βάθος χρόνου πρέπει να πάμε σε μονοψήφιο ποσοστό. Ταυτόχρονα, πρέπει να μειώσουμε τα μη εξυπηρετούμενα ανοίγματα σε ποσοστό κάτω του 30% από το 55% σήμερα».


          Transfer Uang Lewat BlackBerry Messenger   

Peluncuran BBM Money (rou/detikINET)
Jakarta - BlackBerry Messenger alias BBM sekarang tak cuma jadi medium untuk chatting antar sesama pengguna BlackBerry saja, namun juga sudah bisa dimanfaatkan untuk mengirimkan uang dan isi ulang pulsa.

Layanan yang diberi nama BBM Money ini merupakan hasil kerja sama antara BlackBerry dan Bank Permata yang aplikasinya dikembangkan oleh PT AGIT Monitise Indonesia, sebuah perusahaan patungan antara Monitise Asia Pasifik dan Astra Graphia Information Technology.

Aplikasi yang bisa didownload secara gratis di BlackBerry World ini merupakanpilot project percontohan komersial pertama untuk urusan transfer uang via aplikasi mobile BlackBerry.

"Indonesia merupakan negara pertama di dunia. Nantinya BBM Money ini akan dikembangkan juga ke negara lain," kata Eka Anwar, Direktur Marketing BlackBerry Indonesia, usai peluncuran di Plaza Indonesia, Jakarta, Selasa (26/2/2013).

Eka menjelaskan, dengan fitur BBM Money ini pelanggan dapat membuat dan mengakses rekening mobile dari smartphone BlackBerry mereka dan melakukan pembayaran langsung secara real time ke kontak BBM mereka yang juga telah mendaftar ke layanan yang sama.

"Pelanggan juga dapat membeli pulsa isi ulang telepon seluler dan mentransfer uang ke rekening bank. Selain itu, pengguna dapat dengan mudah mengisi uang ke dalam rekening mobile mereka dari rekening bank apa pun di Indonesia," jelasnya.

Bank Permata juga akan mengeluarkan rekening mobile dengan akun virtual dan memproses transaksi keuangan. Layanan ini dilindungi oleh langkah-langkah keamanan dengan standar keamanan yang baik termasuk kode akses, enkripsi, pemantauan dan batas seperti yang dipersyaratkan oleh Bank Permata di bawah ketentuan Bank Indonesia.

David Fletcher, Direktur Utama Bank Permata mengatakan, layanan BBM Money ini merupakan jawaban terhadap pertumbuhan nasabah dan kebutuhan masyarakat akan layanan perbankan yang mudah dan nyaman dengan menggunakan smartphone.

"Ini sejalan dengan visi kami untuk menjadi pelopor dalam memberikan solusi keuangan yang inovatif dan juga mencerminkan dukungan kami terhadap kebijakan BI terkait cashless society di Indonesia," ujarnya.

Lauren Sulistiawati, Direktur Retail Banking Bank Permata menambahkan, BBM Money merupakan inovasi baru dimana transaksi perbankan dapat dilakukan semudah chatting di BBM dan pengguna tidak perlu membuka rekening bank atau rekening Bank Permata untuk dapat mengakses aplikasi ini.
"Kami sangat senang mengembangkan solusi ini untuk BlackBerry yang banyak digunakan di Indonesia dan masih menjadi smartphone yang sangat popular di negara ini yang memungkinkan jutaan pelanggan Blackberry di Indonesia lebih leluasa dalam melakukan transaksinya," ujarnya.

Lebih lanjut dikatakan, aspek penting lain dari BBM Money adalah adanya kepercayaan penuh dan keyakinan dalam aspek keamanan layanannya.



Melalui proses pendaftaran sederhana yang ada di dalam aplikasi, pelanggan BBM dapat membuat sebuah akun BBM Money dengan Bank Permata dan dapat mulai mengisi uang tunai ke dalam akun tersebut melalui salah satu dari 70.000 ATM di Indonesia.

Setelah datang ke lokasi-lokasi yang telah ditentukan untuk melakukan pemeriksaan identitas, pelanggan dapat dengan aman melakukan pembayaran ke kontak BBM mereka yang sama-sama memiliki layanan BBM Money dan mentransfer uang ke rekening bank lain dengan menggunakan aplikasi ini.

Pelanggan juga dapat membayar airtime seluler atau mengisi ulang pulsa kartu prabayar keluarga atau teman-teman mereka. Fitur lainnya adalah para pelanggan yang aktif membeli atau menjual melalui BBM dapat melakukan pembayaran dengan segera dan aman.

Maksimal sekali transfer uang di BBM Money mencapai Rp 5 juta. Sementara dalam jangka waktu sebulan batas maksimalnya adalah Rp 20 juta.

"Saat ini perdagangan melalui grup BBM tengah marak di Indonesia. Ini menunjukkan betapa BBM sangat populer di negeri ini," tandas Maspiyono Handoyo, Managing Director BlackBerry Indonesia.

          UAT Acceptance Test Analyst - Credit Suisse - Warszawa, mazowieckie   
Credit Suisse is a leading global wealth manager with strong investment banking and asset management capabilities. Founded in 1856, Credit Suisse has expanded
Od Credit Suisse - Mon, 29 May 2017 11:09:26 GMT - Pokaż wszystkie Warszawa, mazowieckie oferty pracy
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
Assist in and contribute to the development and growth of profitable business across the protection, credit, investment and day-to-day banking product and...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Bickham Montgomery: Quantitative Risk Audit VP (Investment Bank)   
Basic salary up to £110,000 per annum + benefits: Bickham Montgomery: Bickham Montgomery are currently representing the investment banking arm of a full service global banking organisation in their search for a Quanti... London
          Senior Analyst, Predictive Modeling & Data Science - BMO Financial Group - Toronto, ON   
Ch. The Advanced Analytics &amp; Journey Science group partners with internal Personal and Commercial Banking Canada partners, and various lines of business across...
From BMO Financial Group - Sat, 24 Jun 2017 00:46:45 GMT - View all Toronto, ON jobs
          Bilingual Credit Effectiveness Review Associate - RBC - Canada   
You will be responsible for day to day credit risk mitigation and post loan reviews for Credit Adjudication, Canadian Banking Retail and Small Business...
From RBC - Thu, 22 Jun 2017 22:43:58 GMT - View all Canada jobs
          Receptionist - National Bank - Calgary, AB   
Experience as a receptionist, an asset. This is a full time position located at the Calgary Private Banking 1859 office and will report to the Vice President....
From National Bank - Wed, 28 Jun 2017 20:56:37 GMT - View all Calgary, AB jobs
          Comment on How To Build An Online Store With Shopify In 2017 by newportucc.org   
In a Pittsburgh casino, 4 of the world's best poker gamers are participating in a tournament with very excessive stakes. Since you should make investments more chips to see a flop the worth of the speculative arms performed in the early levels goes down. And when they do play poker, they could earn cash from the fact that a number of wealthy, but not particularly expert poker gamers need to play towards them - for the sheer kudos of having done so. This free on-line scrum tool encourages collaboration and planning for distributed agile groups. The second is Diamond chips which might be manufactured from plastic, however commonplace on line casino dimension and are a bit heavier than the cheaper plastic chips. For instance, websites such as Betfair Poker and Sky Poker are extensions of on-line casinos. It is a free video slots app that has some of the most enjoyable and rewarding bonus games around. Similarly, I could play for a couple of hours, go to the health club, grab a chew with buddies, then play again later within the day. Now there are fairly nicely-known gaming web sites which even declare lakhs of on-line poker players. They don't care who their opponent is in any given hand… You attempt to isolate the FISH and steer clear of most successful regs. Not only did they create one other millionaire after a German poker player won the seven-determine dream rating taking part in a Spin & Go sport. By Tuesday of the following week, 10 lucky gamers might be randomly chosen to obtain free entry into the $50,000 GT running on the last Sunday of the month. The essential thing issue that modified poker all over the world submit Moneymaker's victory is that folks believed that playing poker professionally could presumably be their major supply of earnings. Straight from the Massive Slick Poker Academy in Texas, this fairly easy free app will train you all the essential skills required to play No-Restrict Texas Hold'em. I began following dwell poker tournament stops all through the world, locations similar to Auckland, N.Z.; Melbourne, Australia; Las Vegas in fact; Vancouver, Canada; Los Angeles; and many different cities. Many online poker websites supply free rolls that open to all players with none necessities. Today you can still discover some worthwhile spots on PKR Poker as it all the time appears to offer more gamble than a few of its competitors. So, it's really essential so that you can discover a reliable website the place you may play money poker games with none glitch. Many instances brief stacks will put their chips within the middle with any 2 face cards or Ace. They present up on a regular basis on the lower limits especially should you play at straightforward poker sites. Together with Burman's PSL, there's another tour that's trying to do one thing comparable but online. As per Sections 201(1A), 221, 276B of the Income Tax Act, the organisers of the sport may be prosecuted for not deducting TDS and would require paying the whole TDS with interest and other penalties. What I imply is and that's one thing numerous rookies do: For instance they have 27 and fold that preflop, however the flop seems to be 277. Initially from Iran, Antonio has impressed gamers and fans alike for his poker playing skills. I feel really proud that inside few years a lot momentum has happened in the domestic poker scene and plenty of inspirational stories have come forward for lot of budding and new poker gamers to emulate. If you've ever performed Pot Restrict Maintain ‘Em you'll be familiar with the best way betting pot is calculated, it is actually very simple however can typically throw folks off when they're raising any individual. You now have the solutions to the entire most continuously requested Indian online casino questions. By taking part in at any of our top USA 3 Card Poker online casinos you will be sure the sport is truthful and your money is secure. The player must be capable to obtain a WiFi or mobile phone signal with a view to play. For this reason gamers will get pleasure from a hassle free mobile gaming expertise through a very simple and a user-pleasant software program and on line casino interface. Then there is another round of betting, and then arms are revealed (the showdown) and the very best hand wins the pot. It goes without saying that Adi Agarwal has executed wonders throughout the poker community. Give your self time earlier than the tournament begins to take a seat quietly, collect your thoughts, and gather your vitality. I'm glad you discovered Beat The Fish and I hope you discover at least one page that entertains you, helps you make up your mind about a prospective poker site, or win a bit of bit more at the tables. In Hold'em, gamers get two down playing cards and five group cards (that are face-up in the midst of the table). Opening an account on our Indian rummy website is free, so you needn't acquire any payment pursuits to be able to begin enjoying on-line poker and glorious rummy video games now we've got as part of our provide. It's an choice in only a few conditions, but when any individual opens under the gun with a name in a Maintain'em, he's certainly a fish. Typically, essentially the most famous players are far better than the common players within the group of all gamers who are usually not the most famous. Poker is enjoyable in the event you're successful once you're losing somewhat bit throughout your spare time. They seem to stay collectively higher than any other chip and there appears to be a suction effect between chips. As poker is taken into account a game of skill and does not represent playing in India, web sites providing on-line gaming alternatives must observe all the relevant legal guidelines. Please ship me your poker technique questions, and I'll reply them on the FRIDAY Q&A EPISODES! Additional, varied pointers and rules issued every so often must even be complied with by on-line poker websites of India. Gamers who are forward some years on video games taking part in less than one hundred% are enjoying constructive variance. I am very excited to take this new form of AI technology to China," mentioned Tuomas Sandholm, professor at the Computer Science Department at CMU who created Libratus and Lengpudashi with Ph.D. scholar Noam Brown in a statement I need to explore varied business alternatives for this in poker and a host of other application areas, ranging from leisure games to enterprise technique to strategic pricing to cybersecurity and medicine". Still, once Libratus cashes in its chips, it might open up a new world of artificial intelligence. Go to Thrill Poker on-line internet portal, play the sport, win 2 occasions the invested quantity and also further 200% locking bonus totally free. The second day of the India Poker Championship dawned shiny and sunny… we expect. Besides live tournaments, he additionally plays online under the alias title barryg1″at PokerStars. When playing 3-card poker, it is important to perceive what beats what, as there are a number of variations in how palms are ranked taking part in this game in comparison with a traditional poker sport. Lindgren's debts throughout poker and sportsbooks acquired as high as $10million at one point, and though he claimed to have paid back as many as he could, his name grew to become synonymous with ‘unhealthy debt' in poker circles. All on-line poker web site software program must include self-exclusion features resembling loss limits and time-outs for actual cash poker players to implement themselves. However, since Android devices do not run your app/browser usage in isolation, you might collectively be consuming a better volume of knowledge through apps running within the background. Hart will get the proper alternative to put the enjoyable again into poker with his televised look. The poker progress there has lagged behind the remainder of the world, mostly on account of enjoying laws in the nation nonetheless they're steadily catching up with the remainder of the world. To add extra to this on-line poker enjoying excitement now we've got on-line poker tournaments which are listed on the principle web page with required particulars. Though the Madras Excessive Courtroom has made reference to poker being a recreation of skill, there's a lack of a complete judgment by the Supreme Court on the topic, and hence, confusion prevails. After a player raises, if all the next gamers both fold or name but don't increase the stake additional, then no further raises may be made until the following card is dealt. Like Chip Reese, Brunson has performed a outstanding position in the greatest cash games in Las Vegas for over three a long time. I will now study a problem which has been of appreciable debate throughout the globe, i.e. what's the degree of talent concerned within the sport of poker and also the potential for the judiciary/legislature recognising poker as a ability-based mostly sport; separate from gambling. According to current analysis, there are greater than 100 million poker players worldwide. The truth is, for individuals who would fairly feast on fish than change into a meal for backside feeders, it's best to avoid locations that attract numerous Las Vegas residents. On line casino homeowners know the historical past of poker chips and all the forgery that goes along with that historical past. Rockets Poker Room, 159, 1st Main, Sheshadripuram, Above State Financial institution of India, Bangalore - 560020. The result of the online Pai Gow Poker recreation is set by comparing your Excessive Hand to the seller's Excessive Hand, and your Low Hand to the supplier's Low Hand. A force to be reckoned with Erik has been enjoying in a number of Triton Super High Roller Series occasions in the Philippines and he'll positively be in Las Vegas this summer season, trying so as to add to his bracelet collection at this yr's World Collection of Poker. In 2010 the India Poker Sequence (IPS) hosted three main poker occasions at Indian casinos. Before we start our overview of the authorized background to specific cash poker inside India, I will just make a degree out of some useful poker pages correct here on winmoney101. On-line Video poker is a straightforward sport to play however gets you on the heart of the motion instantly; it is enjoyable, dynamic, and provides plenty of rewards. However, if 'informal' strikes you as a grimy phrase, you may as well take this recreation tremendous-critically with Sage Solitaire's True Grit Mode. Mr. Inexperienced is a singular mobile casino, it's because the gaming content material that's provided isn't powered by one single gaming developer like most on-line and cellular casinos but as an alternative, it is powered by among the greatest names within the trade. Online poker rooms similar to and provide a variety of banking choices similar to Visa, MasterCard, Maestro, Visa Electron, Moneybookers, Neteller, Click2Pay, PayPal, pay as you go playing cards, Ukash, paysafecard, Entropay, Giropay, POLi, and others, however Indian poker players may really feel frustrated after they realize that they can't use a lot of the banking strategies offered. In essentially the most fundamental, and presumably the unique version of this recreation, the gamers ante and are dealt only one card every, face down. If the seller doesn't qualify, all gamers remaining in the hand win even cash on their play wager, whereas all ante bets push.
          Comment on Digital Banking Se Ghar Baithe 30000 Per Month Kamaye by Sufyan   
thank u so much for sharing. I love your blog a lot. thanks again
          Accounts Receivable Clerk - Canadian Auto Electric - Scarborough, ON   
Manage accounts receivable, conduct credit and collections, invoicing,conduct banking, prepare reports, perform clerical duties, e.g. maintain filing and
From Indeed - Tue, 16 May 2017 17:18:46 GMT - View all Scarborough, ON jobs
          Finance Manager - BFC Bank Limited - London E14   
IT/Finance project work including integration of Fossil with Olympic (core banking application) is a prerequisite.... £40,000 - £55,000 a year
From Indeed - Wed, 31 May 2017 11:36:47 GMT - View all London E14 jobs
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Rivière du Loup Primary Location : QC-Bas-St-Laurent-Riviere-du-Loup Employee Status : Regular Schedule : Full-time Number
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Matane Primary Location : QC-Bas-St-Laurent-Matane Employee Status : Regular Schedule : Full-time Description For the
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          Comment on Apple’s Tim Cook reaped $145 million last year, most of S&P 500 CEOs by Gotcha   
Right in every respect except...those 'forays' into aspects and the concerns of society, along with the environment, man-made climate change, gender equality, education and so on...are now part and parcel of the job, for any CEO of a major corporation. And pity the poor fool who rides roughshod over the concerns of employees and customers. Just ask Uber. TC is simply doing a brilliant job, in his own way...the results speak for themselves. His remuneration was set five years ago when expectations were tempered by a very difficult period post-banking collapses. He obviously and spectacularly exceeded those expectations. And my stock pot agrees.
          UBA Bank Recruitment Opportunity 2017: How To Apply For UBA Graduate Recruitment – www.ubagroup.com   

This Article is created to inform all graduate who wants to apply for UBA Bank Graduate Recruitment Application for 2017 on when the registration will commence for the Job Opportunity. United Bank for Africa Plc, is one of Africa’s best and most resilient banking Groups with operations in 19 African countries and offices in three […]

The post UBA Bank Recruitment Opportunity 2017: How To Apply For UBA Graduate Recruitment – www.ubagroup.com appeared first on BENTENBLOG.


          Comment on [KR1090] Keiser Report – Drooling at the Slot Machine is ‘the American Dream’ by Evolutis   
Yet another unsolicited cyber intervention Or 'The neighbor's dog won't stay off your leg? BTW, is that anybody's fault? Is it like monetary religion, a nefarious environment wherein the highly divisive activities of organized religion, politics, and debt based global banking are gang members who promote the "Bad Behavior, of Extended Childhoods'.; you know, the stuff that science keeps pushing off the cliff. :-) You could consider your input into an advanced civilization; perhaps the citizen scientist guidelines of physical reality's laws, as apposed to an unsustainable continuance of bad ideas. Today's follow up intervention of questionable promise ... "Virus Defender Alert: Zeus Virus Detected on your Computer! Please do Not Shut down or reset your computer. The following data will be compromised if you do so: - Passwords - Browser History - Credit Card Information - Local Hard Disk Files. This Virus is well known and mostly distributed though Adult/Porn sites. Commonly used to steal personal and financial information from the infected device. Your device might also be used for performing DDOS attacks by cyber criminals and cause serious harm to other networks and websites. Virus defender has sandboxed your browser and locked your PC in order to prevent any further harm. Please call Technical Support to rectify the issue and get your PC unlocked. Toll free helpline at 1-(888) 891-0013". OR - An alternate plea - keeping in mind that the way you do things today, is not the way you will do things tomorrow. The smart phone in your hand has a good chance of being 'Leap Frogged' for a higher functioning robotic assistant. You might just consider it your obligation and responsibility to at least make an attempt @ being situationally aware, interval by interval and pass on your observation[s] for peer review. Is that your tomorrow's, job without the hindrance of money? A cognitive surplus initiative; real value? - Choose Wisely!"
          Comment on [KR1090] Keiser Report – Drooling at the Slot Machine is ‘the American Dream’ by Evolutis   
Scam?? AND / OR A Gypsy switch environment that manifests it's ugly head when people require a desperate, dying, 'Job For Money' market forced market to pay antiquated, debt based banking mortgages or perhaps A Big Mac? Friday, June 30, 2017 @ roughly 11 AM "RDN/YahLover.worm!055BCCAC9FEC Infection ** ZEUS VIRUS DETECTED - YOUR COMPUTER HAS BEEN BLOCKED ** Error: Virus - Trojan Backdoor Hijack #365838d7f8a4fa5 IP: 70.162.120.186 Browser:Safari ISP: Cox Communications inc. Please call computer system technician immediately on: (888) 891-0013 Please do not ignore this safety alert. Your System Has Been Compromised. If you close this page before calling us, your computer access will be disabled to prevent further damage and your data from being stolen. " The pitch 'Adam' [ The son of a Forex dual victimization from Asia wet dream LOL :-)] ... wherein you give permission to have a remote sever intervention to take over your computer for questionable Trojan Horse Virus spanking?? followed by your your credit card number and co-mingled name drop 'Microsoft' warrant and finally, the real physical occurrence the cleaning of you account of $199.00. 'Eyes open, NO Fear!'
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Customer Service Orientation. Services account transaction requests. Ie. sales, service, product knowledge. BCMs are responsible for leading and managing the...
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Comment on NO B.S. FRIDAY: End of the Secret Fascists by KiwiAl   
"Am I taking things for granted?" Yes, Jon, I suspect so. Just look at what's happening with our good mate, Mr Trump. He was elected on a wave of populism, on the basis that he was going to "Drain the Swamp" and give the whole system a good shake up. But now? Yeah, he's giving it a good shake, all right! How much money can he shake into the Trump family coffers, type shake. And I suspect, to most people on the street, he's now looking just like the rest of them but worse. Reminds me very much of our just-departed NZ PM, Shon-Key. He came into power about 8 years ago, with a (dubiously acquired) personal worth of about $50 million. Apparently, his value now is about $500 million. So, one really, really has to wonder, how did he "make" $450 mill on the side, while he was working full-time as PM? Trump seems to be following his leadership model rather well. What's happening is simply the rich getting richer, and the poor poorer, but the people will only realise that populism is just another great swindle when they no longer have enough income to survive. I don't know how far off that's going to be, but the signs are there. It's coming, for sure. But I don't think we're ready for WW-III just yet. In fact, if you ask me, if humanity does actually start WW-III, it will be the end of this cycle for humanity. Probably wipe out 99% of us. As for the Internet and all those nice warm fuzzies and connectedness it serves up... Hee hee! "They" are now warming us up for that to end anytime they like. Just look at WannaCry and Petya and NotPetya and various other ramson-malware. Supposedly, shutting down power networks, crippling banking systems, bringing big companies to their knees in an instant. Without the Internet, where we gonna be? Cos all it will take is the flick of a couple of switches. What then?
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Rivière du Loup Primary Location : QC-Bas-St-Laurent-Riviere-du-Loup Employee Status : Regular Schedule : Full-time Number
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Matane Primary Location : QC-Bas-St-Laurent-Matane Employee Status : Regular Schedule : Full-time Description For the
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          New Oakland Museum of Capitalism Imagines a World Without Boom and Bust   

MOC

From June 17-August 20, the Museum of Capitalism in Oakland, California will speculate on a world in which capitalism has ceased. The free museum (natch) will showcase two exhibits of artworks and artifacts from a wide range of artists—the first, a core exhibition “exploring the historical phenomenon of capitalism and its intersections with themes like race, class, and environment in the United States” and the second, a special exhibition curated by Erin Elder, about American imperialism.

MOC

Showcasing works from 83 artists, the museum provides capitalism in context to more than just economics. Dread Scott’sPoll Dance (2010) features a series of graphs that riff on systems of classifying people by race, class, and gender. The red, white, and blue police lights in Blake Fall-Conroy’s Police Flags (2009) show interlinking motifs of incarceration and propaganda. And of course, profit and greed are addressed: Mexican artist Fran Ilich’s Space Bank/Money Museum (2005–2107), opines what the artist calls a functional alternative banking system, while Superflex’s Bankrupt Banks (2012) displays of a set of banners with logos of banks that have declared bankruptcy. 

MOC

At a time when the perils and pratfalls of capitalism and colonialism are underscored in everyday life—from the gross inequality of income distribution ("The median American estimated that the CEO-to-worker pay-ratio was 30-to-1, and that ideally, it’d be 7-to-1. The reality? 354-to-1."), to the consumerist throwaway culture of plastic crap (cellphone “upgrades”, fast-fashion, single-use utensils), to hollow experiences manufactured solely for branding purposes (the entire platform of Instagram, reality television)—a call to society for self-reflection may have come too late. But don’t let that stop you. Explore the self-imposed downfall of humanity opening this June. Don’t forget to visit the gift shop.

MOC

Plan Your Trip: Visit Fodor’s Guide to Oakland


          #044: So erstellen Sie einen Notfallplan    

So erstellen Sie einen Notfallplan

Was passiert eigentlich, wenn Ihnen etwas zustößt? Was ist, wenn Ihnen etwas passiert und Sie sind nicht mehr da? Finden Ihre Angehörigen dann die relevanten Daten und digitalen Dokumente?

Das sind keine einfachen und schon gar keine angenehmen Fragen. Doch auch Sie sollten sie sich stellen. Denn diese Fragen betreffen nicht nur Unternehmer und Selbstständige, sondern uns alle.

Hier sind meine Gedanken zu dieser Situation und was Sie tun können.

So erstellen Sie einen Notfallplan

In der Folge stelle ich ein paar Fragen, die Ihnen helfen, einen Notfallplan zu erstellen:

  • Wie lautet das Passwort für Ihren Computer?
  • Wie lautet das Passwort für Ihr Mobiltelefon (inkl. PIN und PUK)?
  • Wo befinden sich die weiteren Passwörter?
  • Wie ist die Logik bei der Verzeichnisstruktur?
  • Welche Daten/Dateien sind besonders wichtig?
  • Welche Bankkonti gibt es?
  • Wie lauten die PIN-Codes für die Bankkarten?
  • Wie kann man sich für das E-Banking anmelden?
  • Welche Verträge haben Sie zu erfüllen bzw. müssten gekündigt werden?
  • Welche Webseiten haben Sie und wo sind sie gehostet?
  • Wo befinden sich die (Kunden)Adressen?
  • Wo sind Ihre Termine?
  • Wo haben Sie Ihre Fotos gespeichert?
  • Wie lauten die Passwörter für Ihre E-Mail-Accounts?
  • Wie kann man Mails automatisch weiterleiten oder eventuell eine automatische Antwort einrichten?
  • Wie kann man eine Nachricht auf Ihre Webseite setzen und wie soll sie lauten?
  • Wie soll mit den sozialen Netzwerken umgegangen werden (Facebook, Twitter, Google Plus, Xing, LinkedIn usw.)? Sollen die Profile einfach gelöscht werden?

Weiterempfehlen

Hat Ihnen diese Folge gefallen? Dann empfehlen Sie den Podcast doch weiter. Damit unterstützen Sie gleichzeitig mich und meine Arbeit.

Besonders hilfreich sind positive Bewertungen bei iTunes. Klicken Sie gleich weiter unten auf den iTunes-Link und schenken Sie mir ein paar Sterne. Vielen Dank!

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          Store Manager, Active Wear/Shoes - Talent Evolution - Barberton, Mpumalanga   
Retail Store Manager, Active Brands and ShoesSalary R 11 000 CTC PMResponsible for management of Store, banking, dealing with customers, customer R11 000 a month
From Careers24 - Tue, 20 Jun 2017 02:13:23 GMT - View all Barberton, Mpumalanga jobs
          1st July 2017 General Knowledge Questions | Today Current Affairs   

1st July 2017 GK Questions related to the world’s and country’s important Current Affairs are updated here. Job seekers preparing for Sarkari Naukri and other Banking Exams can read this questions to enhance their general knowledge. Practising Daily GK Questions with Answers is very important to start your preparation for upcoming exams. General Knowledge Questions are very important […]

The post 1st July 2017 General Knowledge Questions | Today Current Affairs appeared first on .


          Senior Middleware Support/ IIB - Sumitomo Mitsui Banking Corporation. - Jersey City, NJ   
JRI America, Inc. (a subsidiary of SMBC) is seeking a senior middleware support person to work in the Applications Architecture and Production Support
From Sumitomo Mitsui Banking Corporation. - Mon, 08 May 2017 23:51:29 GMT - View all Jersey City, NJ jobs
          Senior Linux Systems Engineer - Sumitomo Mitsui Banking Corporation. - Jersey City, NJ   
2+ years of AIX Systems Administration experience (preferred). Work on Architecture &amp; Engineering, and Security projects to secure/harden Linux or AIX Operating...
From Sumitomo Mitsui Banking Corporation. - Tue, 04 Apr 2017 17:41:09 GMT - View all Jersey City, NJ jobs
          Director Architecture (Solutions Architecture)   
Scotiabank - Toronto, ON - Vice President, Data and Transaction within the bank’s Canadian Banking Technology, the Director Architecture (Director) is responsible... technology solutions - Establish the long-term (3-5 years) technology vision and contribute to the development of the Bank’s reference architecture...
          Director Architecture (Solutions Architecture)   
Toronto, ON - Vice President, Data and Transaction within the bank's Canadian Banking Technology, the Director Architecture (Director) is responsible... technology solutions - Establish the long-term (3-5 years) technology vision and contribute to the development of the Bank's reference architecture...
          Technical Lead - Morgan Stanley - New York, NY   
Exposure to a Datawarehouse / BI project in a finance / banking environment. Excellent understanding of the Datawarehouse life cycle right from data source to...
From Morgan Stanley - Thu, 11 May 2017 21:16:59 GMT - View all New York, NY jobs
          Technology Lead - US - ValueSoft Technologies - Plano, TX   
*Role* Technology Lead - US *Skillset* Datawarehouse and ETL , Teradata *Domain* Banking Financial services *Company* ITL USA *Country* USA *State /...
From Indeed - Mon, 08 May 2017 21:57:19 GMT - View all Plano, TX jobs
          Guest Posts Regarding the RV/GCR & More for Sat. Afternoon - 7.1.17   


This is a compilation of all guest posts submitted as of Saturday Afternoon, July 1, 2017. All guest posts that are more than 5 paragraphs in length, deemed important, contains images or is a response to another post will be considered it's own post.

Note: This post will be continuously updated with more entries as they are submitted. ~ Dinar Chronicles

Another Note: Arrangement of Guest Posts have been changed from top to bottom to bottom to top. Each newly added Guest Post will be at the top rather than at the bottom to negate having to scroll down every time. ~ Dinar Chronicles

_____________________________________________________

"Now is the Time"

Entry Submitted by Jeff W. at 5:37 PM EDT on July 1, 2017


Elders, Galactic Family, Paul Ryan, the waiting masses,

It is time. We all ask a collective ask, no plead with you. Please Please Release these 800 numbers so we may go NOW and exchange. We have been through heart ache, death, pain and suffering. Enough is enough. We graciously and humbly beg of you to open your hearts and open the phone lines. We can NOT endure another delay or mishap. We can not mentally or physically suffer any more. We need our strength to do the tasks that you and we all so desperately need.

Again I humbly beg of you all, PLEASE RELEASE gifts you, me, everyone needs NOW.

Jeff W.
_____________________________________________________

"RE@AL Hodges"

Entry Submitted by LD at 4:51 PM EDT on July 1, 2017


Love and Light to all You! Concerning Mr.Hodges. I cannot and will not support any "Attorney" - Attorneys swear an oath to the british crown and always have - they were also instrumental in removing the original 13th amendment "TONA" Titles of Nobility - America has no KING or QUEEN and are not subject to the laws of the british crown - If Mr. Hodges loves America and its people then he will relinquish his title (Esquire) and become a " CONSTITUTIONAL LAWYER" once he has done this " PUBLICLY" then I will listen to what he has to say. I CANNOT AND WILL NOT BE TWISTED BACK INTO THE SAME SITUATION WE HAVE LIVED IN ALL OF OUR LIVES!!! I do not say this to upset anyone and if these words affect you in a negative manner - please forgive me - but I will not go back to the way things were - I WILL FIGHT TO MY LAST BREATH TO INSURE WE NEVER GO BACK TO BEING SLAVES OF A CORRUPT SYSTEM! Love and Light to All - Your Brother LD in service to the LIGHT!
_____________________________________________________

"Question for Yosef"

Entry Submitted Anonymously at 3:17 PM EDT on July 1, 2017


What is the Window for Global Banking to be closed?

Thank you.

          "Independence Day is Coming" - Sat. PM KTFA Thoughts/News   
KTFA

Iggy » July 1st, 2017

Independence Day is coming in more ways then one...

Samson » July 1st, 2017

Iran plans to reform the banking system

12:58 - 07/01/2017Eshaq Jahangiri

Said First Vice President of Iran Eshaq Jahangiri, Saturday, for the completion of the drafting of reforms of the banking system and the intention to apply within the second term of President Rouhani government (starting August 5 / August 2017).

The agency quoted the "Knight" for Jhangere as saying, "It is expected in proportion to the decline in the inflation rate, low bank interest rate but it has not yet been achieved."

He added that "interest declined from about 30 percent to about 20 percent."

http://www.almaalomah.com/2017/07/01/171100/

Samson » July 1st, 2017

Jawdat: Daesh lost 100 of its members in two days

2017/7/1 9:47

Federal Police Command announced that the terrorist gangs Daesh lost 100 of its members over the past two days.

According to the Federal Police team leader Raed Shakir Jawdat in a press statement received by the agency {Euphrates News} announced today that "in the door Daesh defeated Lagash and the door of the new elements and fled towards the area of al - Nujaifi and Bab Al- Saray".

He added that "Our forces are advancing in three axes and prosecute terrorist groups in the remainder of the old city and the few areas Daesh lost 100 of its members over the past two days."

http://alforatnews.com/modules/news/article.php?storyid=145568

Samson » July 1st, 2017

India launches the biggest tax reforms amid concern in the business sector

1st July, 2017

The Indian government launched Saturday, the biggest tax reform in the country's history and promising through its application to strengthen the economy and reduce corruption, but a number of employers, the business sector said that a single tax system is causing confusion.

And replace the new tax on goods and services replaced more than a dozen tax imposed on the national and state levels of India's nine twenty.

Held Indian Prime Minister Narendra Modi a special parliamentary session at midnight to launch the new tax on goods and services, which he described as "good and simple tax."

Moody's said, "he added with the approval of the tax on goods and services, the dream will be achieved by India and one great."

Moody's said that "the tax on goods and services is simple and transparent system prevents earning money on the black market and reduce corruption." Moody's was the latest confusion in the country last year by announcing the withdrawal of 85 percent of the banknotes from circulation and replace it with another in a campaign to tighten the pressure on the transactions in violation of the law.

But the prime minister, who made strenuous efforts to build the country's economy, which intends to run for a second term in 2019, acknowledged that tax reform could face problems in its infancy.

It rejected the state of Jammu and Kashmir to sign a single tax system. The start of traders in the demonstrations in protest against the tax on goods and services, which boycotted the launch party conference.

- Strike movie theaters -

The tense business sector due to the new tax which sets 4 different tariffs ranging between 5 and 28 percent, instead of a single tariff imposed previously.

Applied and document tax goods and services made up of 200 pages has undergone changes in the last minute Friday night before the launch.

Granted the new tax local authorities the right to impose a few taxes. The first results appeared Saturday with the announcement of the state of Tamil Nadu South to impose a 30 percent fee on the role of cinema cards added to the 28 percent imposed by the goods and services tax.

And it will close cinemas 969 guestrooms, all Monday to protest the new fees, according to the official told AFP, head of the owners of theaters Association. Subramanian.

He said Patrick Jane partner and head of indirect tax department in "PricewaterhouseCoopers" in India, "it is the risk that you experience when they do not absorb all taxes. This is incompatible with the aim of imposing a single tax. "

Carried out the textile sector and other sectors of strikes on the eve of the launch of the tax in many business sectors announced that they have no clear vision of what will be imposed.
It called on traders Bhartiya Aodiog Phippar Mangal Association, which says it has 60 million members Friday to strike for one day.

Many complain of the new system, which requires the introduction of tax revenue by computer, for not having this technology or lack of understanding of them.

The secretary general of the Association Vijay Prakash Jain told AFP, "We made our demands for goods and services tax since August of last year, but we will not let's no response from the government." He added, "We told the government that either Tsalehy so either we strike."

Most economists and welcomes reform - which put forward for the first time in 2006 - do not even see it as long overdue, but they warn that the initial shock that it drives are likely to slow down in the near term and the pace of growth rather than stimulating, pending able business sector to adapt.

He warned the executive director of "Credit Suisse" in India Nalcant Mishra that "the next few months will be unstable period during which he would not want any investment company, and will slow down the investment cycle and weigh the economy."

The rating agency "AC RAI" that while the new tax would increase compliance with a number of sectors, the trade and small business sectors that will not lose its comply with the interests of big companies that have large networks.

Jain said: "With it's far from being perfect, but we realize it's the best of the countless taxes were imposed on us in recent decades."

He said Finance Minister Arun Jaitley said that "the former India was economically disjointed. India will create a new single tax and a market one for one nation. LINK

Samson » July 1st, 2017

I better increase my intake !!

Eat chocolate improves memory within two hours

2017/7/1 9:04



Researchers from Italy found that eating pieces of chocolate improves cognitive skills and memory activity immediately during the following hours of consumption, and that eating chocolate regularly and without overeating protects the deterioration of cognitive abilities of the brain with age.

This interest joins the benefits of a group known for chocolate , such as regulating blood pressure, relieve oxidation caused by stress, reduce the signs of aging that attack the skin.
The study was conducted research at the University of L'Aquila , Italy, and published in the journal "Niotrishnz". The results found that the antioxidants found in cocoa, known as "flavonoids" improves the performance of the responsible for the cognitive abilities of the brain areas.

The study showed that the consumption of 773 mg of cocoa flavonoids improves the cognitive abilities of young people after two hours of entry into the body.
The study results showed that eating chocolate every day for a period ranging between 5 days and 3 months provides a degree of protection for the elderly against the cognitive decline that leads to dementia in old age.

It reflected the effect of flavonoids on the activity of memory, and the ability to analyze the information. Should the chocolate lovers body control input of sugar, and do not overdo it, taking care to eat a small or moderate amounts of them regularly.

http://www.alliraqnews.com/modules/news/article.php?storyid=63403

          "Per, The Big Call" by Vee - 7.1.17   
Entry Submitted by Vee at 11:16 AM EDT on July 1, 2017

On the big call Bruce had mentioned about the stress test of Banks,

Their percentage assets to back up .. what ?

Here are a few links to what he spoke of.

If I remember right, I'd heard once that the same scenario was stated (weeks) before the system collapsed.. someone please correct me if I'm wrong or right. I know, as I had posted here a video where there is insiders selling off huge amounts of shares ,, see Lynette Zang youtube video's.

What I'm saying is, if history repeats then be ready,, for what they are selling people is peace, stay calm and carry on... it's 9oclock and all is well rhetoric.

Janet Yellen says not to expect another financial crisis anytime soon. Is she right?

What kind of banking risks are lurking in the shadows?

https://www.marketplace.org/2017/06/29/economy/what-kind-banking-risks-are-lurking-shadows

          Florida Community Bank Hosts Back to School Supplies Drive at All Banking Centers in July   
...drives at all banking centers and Change for Change for FCB employees to support local foster care organizations. For more information on FCB's philanthropic initiatives and to find a local banking center, visit FloridaCommunityBank.com . About Florida Community Bank Florida ...

          Flipkart : Buy LED TVs Upto 64% Off + 10% off + Exchange Offer   

Buy Online LED TVs Upto 64% Off + 10% off + Exchange Offer from Flipkart TV offers

This exclusive online offer is offered by flipkart.

Steps to Buy LED TV:

  1. Click here to visit offer page

  2. Add to cart
  3. Proceed to checkout
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Additional offer on Flipkart:

  • Purchase of Product on 1st & 2nd July 2017 using Your valid and current Visa, MasterCard, American Express, Maestro, Diners, Rupay Credit/ Debit card or through Your Net Banking. You will get an instant discount of 10% on the price on checkout . Maximum Discount as shown below:-
    1) Televisions 1250.
  • Exchange and get upto Rs. 22000

...

The post Flipkart : Buy LED TVs Upto 64% Off + 10% off + Exchange Offer appeared first on Daily Deals,coupons,cashbacks,freebies,free recharge,amazon deals.


          Banking Center Manager - First Financial Corporation - Gridley, IL   
Our best BCMs work with management and staff to manage risk by ensuring compliance to retail banking directives, corporate policies, human resources policies...
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Biggest Banks Fueling Climate Disaster With Billions Poured Into "Extreme Fossil Fuels"   
Rainforest Action Network, Banking on Climate Change report, carbon emissions, keep it in the ground, funding climate change, bank boycott

"To keep the planet under 1.5 degrees of global warming and stop human rights violations, banks must stop financing extreme fossil fuels. Our planet just can't take it."


          Amid Divestment Protests, More Cities Explore Public Banks   
public banks, public banking, Wells Fargo, community lending, low interest lending, Public Banking Pennsylvania, Bank of North Dakota

Supporters say public banks can enable more community-driven, character-based lending.


          Banking On Wells Fargo: Financial Russian Roulette for Suckers   
Wells Fargo, loan scams, Wells Fargo crimes, fake accounts, Home Affordable Modification Program, bank bailouts, banker greed, fraudulent banks, foreclosure crisis, illegal foreclosures, housing collapse

If there is no respect for justice, fairness or integrity in our financial system or governance, there will be a reaction of civil unrest, more violence, civil disobedience and utter chaos.


          POINTS TO PONDER AND TOP NEWS   

Top World News Now                 
February 26, 2013



United States
Obama To Tell Israelis of Plan for Iran War
Obama's Paycheck Exempt From 'Sequester'
White House Sells Meetings with Obama for $500k
Pentagon to Keep Gen. Allen Probe a Secret
Kerry: US to Hasten Syria Government Change
Kerry’s first overseas trip off to shaky start
Bill unveiled to legalize medical pot
Why Should Taxpayers Give Big Banks $83 Billion a Year?
Listen up ladies! Next time there's a draft, Uncle Sam might want you too
Homeland Security Chief Threatens Long TSA Lines From Sequester
TB outbreak: LAPD urges officers to wear masks
US Internet providers start spy program to stop file-sharing
Billions at stake: US and BP clash in court over Gulf oil spill
Nation of Islam asks for gang protection
New York City homelessness continues to set new records
Canadian Asteroid-Hunting Satellite Launched into Space


Russia
Putin's KGB/FSB Converging with New IMF Banking FSB
Putin signs radical anti-tobacco bill into law
In Putin's Russia, Shooting the Messenger
Medvedev: No Grounds for New ‘Cold War’
Deputy FM Ryabkov: Iran sanctions may be lifted
Zyuganov reelected Communist chief, vows reset in left-wing politics
China, Russia ink major energy deal
Moscow 'regrets' treatment of Russians abroad
Moscow Welcomes Release of 15 Russian Sailors in Nigeria
1kg meteorite piece found in Russian Urals, biggest chunk yet discovered
Moscow Police Seize Large Cache of ‘Black Market’ Weapons
At Least 17 Amur Tigers Dead in Russia's Far East in 2012
Protests in Ukraine as EU gives May ultimatum
Ukraine wields natural gas trump card in Brussels
As Medvedev is savaged, Putin silent
State Duma Backs Putin's Foreign Assets Bill


China
Xi vows peaceful path on Taiwan
Xi calls for cross-Strait cooperation in realizing "Chinese dream"
Xi rewards Chinese missile brigade for launching 100 missiles
Hu Jintao meets KMT honorary chairman
State councilor meets South Korea's new president
South Korea's Park Warns North Against Nuclear Pursuits
Foreign Ministry: All Japanese activities regarding Diaoyu Islands illegal
Min of Environmental Protection refuses to release data from soil contamination investigation
China to halt approvals for small coal mines
2 Tibetan Monks Self-Immolate as Anti-China Protests Continue
Tibet's Growing Tragedy: Self-Immolation Protests Reach 105
5.4-magnitude earthquake jolts Tibet
BBC World Service Shortwave Radio Blocked in China
Chinese transport "workhorses" extending military's reach


United Kingdom
David Cameron: I'll stop migrant benefits
John Kerry: US Won't Back UK on the Falklands
Britain's top cardinal resigns over allegations 'he behaved inappropriately with priests'
Family Targeted in North Belfast Blast Bomb Attack
Cameron to hold talks with Kerry
Head of Cameron's local Tory branch resigns over gay marriage
Clegg denies cover up of associate's misconduct
Tory threat to rival parties over libel law
UK Ratings Cut Puts Spotlight on Budget
Will Litvinenko-MI6 links be revealed?
UK onshore wind farms to create more carbon dioxide than they save
Tax Breaks Spur Record UK Offshore Oil & Gas Spend


European Union
Berlusconi revives political career in chaotic Italian election
Italian markets celebrate Berlusconi’s poor performance in election
Italy's center-left to win lower house, leads in Senate race
Initial results indicate stalemate in Italian election
Angry Italians deliver austerity warning
EU ministers discuss horse meat crisis
EU holds breath over crucial Italy election
Topless Femen protest against Berlusconi as he votes in election
Protest votes add to uncertainty in close Italy election
Spanish Police Nab 3 Suspected of Spying for Iran
Spain police arrest 45 in Madrid after protest


Germany
Merkel holds talks with Turkish leaders frustrated by slow-moving EU talks
Germany presses Turkey for progress in lifting embargo on Cyprus
German government backs ban on far-right party
German Intel Paid Neo-Nazi Informer $240,000
Bare-chested protesters take on Berlin
Merkel: China, Russia seeing Syrian president's time is up
Merkel Raises Turks' Hope Of European Union Entry
Merkel kicks off sensitive visit to Turkey
Merkel inspects German Patriot missiles in Turkey
Germany arms the Persian Gulf monarchies
Germany patient with France on deficit


France
Hollande's Sarkozy joke riles French opposition
Ayrault: Boko Haram Claiming to Hold French Family
France blasts 'cruelty' as Boko Haram displays kidnapped family
France to pause austerity, cut spending next year instead: Hollande
Hollande urges compulsory labeling amid horsemeat scandal
France's military operation in Mali in 'final phase'
France warns of kidnappings, attack risk in Benin
France is euro 'problem child', frets Angela Merkel's party official
War For Global Energy Supremacy-World War III
Syrian Opposition Pledges to Attend Rome Summit
Syria says ready to talk with armed opposition
Kerry Vows Not to Leave Syria Rebels 'Dangling in the Wind'
Car blast rocks central Damascus, casualties reported
Assad's Army Has Fled Entire Area Bordering Israel
Syrian Refugees Riot in Jordan Camp; 3 Hurt
Nearly 100 Rebels Are Reported Killed in Mali Battle
No sign of peace or reconciliation in Mali
West African Mali forces to cost €715m

Insight Into Today’s News
Billionaires Continue To Dump Stocks
G20 issues empty declaration against currency wars
Norway Enters The Currency Wars
The Second-Mortgage Shell Game
The Last Liberal Branch of Government
US/NATO occupation of Afghanistan unraveling
Goodbye? We’ve Lost Who We Are?
US Schools Go Into Full Prison Mode
Hornady Addresses Ammo Shortage: We’re working 24/7
US Media Yet Again Conceals Newsworthy Government Secrets

Israel
Netanyahu: Arrow will help us on peace, or defense
Netanyahu urges the PA to calm rioters and stone throwers
West Bank Streets 'Boiling' as Abbas Accuses Israel of Stoking Unrest
IDF and Palestinians clash following prisoner's funeral
West Bank Protests Grow, Fears of New Intifada
Israel, US successfully test anti-missile system
Palestinian officials accuse Israel of torturing inmate to death
Palestinian Detainee’s Death in Israel Sparks Unrest
Thousands of jailed Palestinians stage 1-day hunger strike


Turkey
Erdogan holds joint press conference with Merkel
Kurdish Peace Process to Start After PKK Leave Turkey
Erdoğan: Assad a ‘mute devil’ for not defying Israel
Defense Minister Says 965 Suicides Among Soldiers in 10 Years
Turkey in Key Stage to Address Kurdish Issue
Turkey lists requests from Germany's Merkel
Turkey eyes Karabakh step from Armenia to open ways
Turkey Pressures Germany on EU Accession
Turkey says aid pledges for Syrian refugees 'unfulfilled'
Iraq shuts down 3 illegal tunnels to Syria


Egypt
Bahrain Bans Import of Plastic Guy Fawkes Masks
ElBaradei Calls for Boycott of 'Sham' Parliamentary Election
Egyptian Brotherhood Hits Back at Opposition Leader
Stripped of 'Country of Origin' Label, US Agrees to Sell Tear Gas to Egypt
Bahraini Dies After Being Struck by Tear Gas Canister
Divided Egypt opposition attacks Morsi on election call
Morsi calls parliamentary elections in April
Thousands hold anti-government protests in Egypt
New death from SARS-like virus in Saudi

Iran
World Powers May Offer Iran Sanctions Relief at Nuclear Talks
UK claims General Shateri actually died in January bombing of Hezbollah-bound weapons convoy
World Powers Seek Compromise in Iranian Nuclear Talks
Ahmadinejad Admits to Economic Pain
Iran tests suicide drones in ongoing military drill
Iran denies downing foreign drone
Iran claims it has captured a foreign ‘enemy drone’ during military exercise
Iran announces new uranium deposits discovery
Iran selects 16 new sites for nuclear plants
Iran sentences 4 to death in biggest bank fraud case
Envoy: Iran to continue talks with IAEA on nuclear program


Venezuela
Chavez warns that Africa and South America Must Unite or face Western Interventions
Indigenous Venezuelans Hold Ritual for Chavez
Colombian Rebels Call on Santos to Save Peace Talks
Villegas: Condition of cancer-stricken Chavez not "favorable"
Prosecutor Accuses Former Colombian Governor of 2000 Massacre
Bolivia's Morales says was unable to see Chavez in Venezuela
Questions about political succession whirl in Venezuela after Chavez comes home
Poll: Maduro would win vote if Chavez goes
Chávez's return is obstacle for Venezuela's embattled opposition
Bolivia's Morales arrives in Venezuela to visit President Chávez


Brazil
Falklands dispute: Argentina accuses UK of ‘defiance’ of anti-nuke treaty
Rousseff says extreme poverty almost eradicated
PM Medvedev begins visit to Brazil
Pro-Cuba Protesters Halt Dissident's Brazil Event
After Being Hounded by Protesters, Cuban Dissident Praises Brazil's Freedom of Expression
Brazil dockers end China ship protest; port strike threat
Argentina to renovate railways with Chinese trains in 2014
Union Leader Protests by Bringing Trucks to Argentine Labor Ministry
New tobacco law ignites controversy in Chile
Ex-leaders of German sect in Chile enter prison to begin sentences for sexual abuse of minors


Mexico
Official Accuses CIA of 'Managing' Not 'Fighting' the Drug Trade
Nieto Meets with San Antonio Mayor
Government Says Over 27,000 People Missing in Mexico
Mexico Slaughters Nearly 500,000 Birds Infected with Avian Flu
Guatemala Moves Up Ex-Dictator’s Genocide Trial
Police Chief in Mexican Border City on Nuevo Laredo Missing
Suspect in General’s Murder Arrives in Mexico
Mexican Police Detain 81 Migrants
Vigilantes reportedly release captives in southern Mexico

Castro successor lacks charisma but is experienced manager
Raúl Castro Says His New 5-Year Term as Cuba's President Will Be His Last
Fidel Castro makes surprise parliament appearance amid leadership speculation
Cuban parliament gathers, president to be selected
Esteban Lazo Elected New President of the Cuban Parliament
Haitians Rage as UN Rejects Payout for Cholera Victims
Yoani Sanchez May Be Top Dissident in Cuba, but She Agrees US Embargo Must Go
Medvedev Discusses Meteorite Strike with Fidel Castro
Raul Castro Mentions Possible Retirement


United Nations
UN Removes Osama bin Laden From Sanctions List
Tunisia Arrests Suspect in Killing That Sparked Unrest
African leaders sign DR Congo peace deal
At least 53 killed in rival Arab militia clashes in North Darfur
Tunisia's New Premier Promises Inclusive Government
US blocks UN resolution condemning Damascus terror bombings
Tunisia: Party Names Premier Candidate
Tunisian PM steps down after crisis prompted by political assassination
Unesco agrees 5.6 million-euro plan to save Mali's cultural treasures
Top World News Now                 
February 21, 2013

COURTESY SOCHA FAAL

 Heads up from AntiMullah. Separate vacations and Obambi brings Reggie Love back with  him. If you do  not know what this is, you need to visit/view AntiMullah.com more often to keep up with latest developments.

Tone and content reflects information not normally provided by Lame Stream Media's love fest with Obambi. And worldwide events that discredit his claims and motives for anti-American, pro-Moslem Brotherhood policies and actions.
 
Read and become knowledgeable and stop believing the incredible lies Obama feeds us at every opportunity. Lies his own Democrats increasingly have a problem swallowing and are intentionally leading our nation into certain fiscal and political destruction.


United States
GOP Resists Obama's Push for Tax Rise to Head Off Cuts
Obama Fleshes Out Plans for Infrastructure Projects
Obama considers urging the Supreme Court to overturn California’s ban on gay marriage
White House announces online espionage response policy
US issues final word on essential benefits under "Obamacare"
Anonymous thrown into China-US cyberwar scandal
Pentagon informs Congress of plans to furlough 800K civilian workers
In wake of Benghazi, rapid response Marine unit heading to Europe
US issues worldwide caution to its citizens of terror threats
Body found in restaurant rubble after Kansas City explosion
Why Americans Might Be Better Off If Their Burgers Were Made Of Horsemeat
Sex-Change Surgery Available Through Many US Colleges
Majority of US citizens say illegal immigrants should be deported
Hundreds of thousands march in Puerto Rico against gay rights
 
 

Russia
Putin Invites G20 Leaders to St. Petersburg Summit
Migrant workers call on Putin for amnesty
Lavrov: Time to end the war in Syria
Moscow: N. Korea sanctions can only impact nuclear program
IMF warns of higher inflation, slower GDP growth in Russia
Russia's missing billions revealed
Russia Tries To Remove Images of New Drone From the Internet
Russian Military to Develop Anti-Meteorite Defenses
Russia investigates 25 cases of Defense Ministry fraud - Prosecutor General
MP resigns after bloggers disclose his Florida property
Russia escalating attacks on free expression a year on from Pussy Riot protest
‘Ample Evidence’ Linking Ukraine Ex-President to Journalist Murder
French Specialists Resume Work at Chernobyl Disaster Site
Ukraine: Embezzlement At State Orphanages
Belarus Phases Out Russian Warplanes, Radars
 
 

China
Xi Jinping's campaign to purge Communist Party 'won't be easy'
Incumbent cabinet holds final meeting
China's central banker skips retirement bar to stay on
Manila to tackle sea row 'with or without China' at UN
Attacks originating from US rank 1st among overseas hackings in China
Photos show new activity at N Korea nuclear site
Spy agencies scrounge for details on North Korean nuclear test
North Korea: A nuclear 7-Eleven?
N Korean propaganda video shows Obama in flames
US Envoy Opposes S Korean Nuclear Armament
Rise in online fan clubs extolling China's party leaders
After China's multibillion-dollar cleanup, water still unfit to drink
Smog in Pearl River Delta 'worse than in Beijing'
Maoists Block Deal to Break Nepal's Long Political Deadlock
 
 

Cameron to pay respects to victims of Amritsar massacre
Cameron's India trip hits wobble with concern over helicopter deal
Sars-like virus death reported in UK
New coronavirus can infect human lungs as easily as cold virus
Magdalene laundries: Ireland to apologise to survivors
Iranian torture guard refused UK citizenship
Britain expands "bigger than burgers" horsemeat tests
Regulator warns Britain 'on the brink' of energy crisis
Scotland 'faces EU funding cut'
Tanker drivers in Scotland vote to strike
Belfast Orange Order warns members over flag protests
One in four Africans attacked in Ireland
 
 

Berlusconi accused of trying to buy votes days before election
After Bulgarian Protests, Prime Minister Resigns
Greek police fire tear gas on anti-austerity protesters
Greece welcomes Hollande with ‘news blackout’
Dutch experiment in legalised prostitution a disaster
Thieves in Belgium pull off most spectacular and dramatic diamond heist in years
Iceland considers dropping its currency
Lawmakers Threaten to Veto Tightened Budget
EU reinforces sanctions against DPRK
To Revive Honey Bees, Europe Proposes a Pesticide Ban
Anti-austerity strike to bring Greece to a standstill
Italy politicians make final drive for votes before poll
 
 

Berlusconi's possible comeback a nightmare for Angela Merkel
Merkel's Rainbow Problem: On Gay Rights, Chancellor Still a Conservative
German Officials Signal Berlusconi Isn't Their Man
Germany Sends Troops to Mali
German police raid firms over Ponzi scheme
Germany: Court Backs Adoption by Same-Sex Couples
Net activists slam Germany's open data portal
NSU victims' families want more than sympathy
Security staff at Hamburg airport to strike Wednesday in pay dispute
Swiss mayoral candidate 'pro-Hamas, pro-Iran'
Outgoing chairman of Switzerland's Novartis foregoes $78 million golden parachute deal
Norway is Afraid of Foreign Spies
 
 

Hollande: French soldier killed in northern Mali
Hollande confirms seven kidnapped in Cameroon
Hollande urges investment in Greece, growth in Europe
Hollande: France will miss 2013 growth target
French Kidnapped in Cameroon Were Taken Into Nigeria
France saw 58 percent rise in anti-Semitic attacks in 2012
Man arrested for serial attacks on Paris Chinese
France to unfreeze development aid to Mali
France Charges 11 In Alleged Kurdish Extortion Ring
 
 
War For Global Energy Supremacy-World War III
Syrian rebels threaten Hezbollah with 48-hour deadline
Syrian military reportedly shoots down Israel drone
US direct military support to Mali likely to continue after elections
Mortars Explode Near Assad Palace in Damascus
Missile kills more than 30 in Syria
Typhoid breaks out in rebel-held eastern Syria
Foreign Arms Supplies to Syrian Rebels Expanding
Pro-Assad militia now key to Syrian government’s war strategy
Russia's double dealing on arms to Assad regime leaves UK isolated over Syria
Syrian Rebels Threaten to Attack Lebanon Over Border Dispute
 
Insight Into Today’s News
Billionaires Continue To Dump Stocks
G20 issues empty declaration against currency wars
Norway Enters The Currency Wars
The Second-Mortgage Shell Game
The Last Liberal Branch of Government
US/NATO occupation of Afghanistan unraveling
Goodbye? We’ve Lost Who We Are?
US Schools Go Into Full Prison Mode
Hornady Addresses Ammo Shortage: We’re working 24/7
US Media Yet Again Conceals Newsworthy Government Secrets
 

Former foreign minister Livni joins Netanyahu coalition
Prisoner X: Benjamin Netanyahu adds to mystery
Secretary Kerry to skip Israel in first trip
Turkey, Israel Cut 1st Defense Deal Since Freezing Ties
Israel Seeks to Curb Weapons Flow to Gaza
West Bank protesters rally for release of deteriorating prisoners
Palestinian Prisoner's Hunger Strike Reaches 211th Day
Fatah Official Warns of Violence if Prisoners Aren't Freed
'Iron Dome' may be instrumental in peace process
Head of Israeli IVF unit arrested in Romania
 
 

 
 

Security deteriorating in Egypt due to political instability
Opposition Sets Conditions For Dialogue With Morsi
Morsi's advisory team less diverse after months of walkouts
Morsi Issues Presidential Decree to Appoint New Mufti
Strike, Protests Hit Egypt's Port Said for 3rd Day
Egyptians protest at Libyan border over new visa rules
Egypt ministry appeals against order to block YouTube
Egypt files new charges against Mubarak's last premier
2 Sunni groups halt roles in Bahrain crisis talks
A Palace Rift in Bahrain Bedevils Key US Navy Base
 

Iran to Conduct Military Drills Over 3 Days
Reformists Meet Khamenei To Improve 'Internal Climate'
Rivals Forced to Apologize to Supreme Leader
Ahmadinejad threat to cancel Iranian poll
Iran Pushes Nuclear-Free Mideast Plans
Syrian Prime Minister Claims Iran is Now “Occupying” Syria
MPs say sovereignty over three Persian Gulf islands is non-negotiable
Iran protests Berlin film award for banned Jafar Panahi
Fatwa Issued Against 3G Internet Operator in Iran
Iran FM Spurns Western 'Gold Trade' Offer
Stung by 'Argo,' Iran Backs Conference Denouncing 'Hollywoodism'
 
 

VPN. VPN stands for Virtual Private Network and it is many things, but above all else, it provides safe and anonymous access to the Internet. When you are connected to your wifi through a dedicated VPN, all of your traffic and activity becomes encrypted and impossible to be read and understood, essentially “scrambling” your IP address and redirecting its “origin” elsewhere, thus granting you total anonymity to anyone who may be looking. Thus, even if your communication is eavesdropped by malicious persons, they would be unable to decipher what site you are connecting to or what information you are exchanging. Acquiring a VPN is just as easy as a few clicks. I personally use Private Internet Access (PIA), which requires a monthly or yearly subscription to use the VPN service. Now, as far as setup goes, think of a VPN as just another application. It requires a download, a brief registration process, and that’s it! Once it’s downloaded and you’ve registered with the service, open it up and start surfing freely and privately. Keep in mind, a true, dedicated VPN runs in the background on your computer and is non-invasive, thus you shouldn’t even notice it doing its job. Remember this if you are setting out on the hunt for a reliable VPN service. Most importantly, do the research! There are dozens upon dozens of VPN services out there, free and subscription based, so take the time to make sure the one you go with is suited to your needs and desires. 

If you’re the type of individual who doesn’t do much online business and/or banking, you may have no need for a VPN, but of course it never hurts to add that extra level of security and peace of mind!


          Comment on Supreme Court Observations: Kokesh v. Securities & Exchange Commission by Banking and finance roundup - Overlawyered   
[…] (statutes of limitations “vital to the welfare of society,” per Sotomayor), Bainbridge and more, Thaya Brook Knight and Ilya […]
          Now, BU students can pay most fees online   
Students of Bangalore University (BU) and its affiliated colleges will no longer have to queue up on the Jnanabharathi campus to submit challans as the university on Saturday launched a software for online payment of fees.

As of now, all fees, except examination fee, convocation fee and affiliation fee, can be paid using the system. The university's finance officer has promised that within 10 days, online payment of the remaining fees will also be facilitated.

The software has been developed by InHawk IT solutions Pvt Ltd with State Bank of India (SBI) and Axis Bank payment gateways.

To pay the fees online, students should visit buofc.inhawk.com and log in. The system is integrated with the student database and will automatically display the student's fee details and the amount to be paid. Payment can be made with debit/credit cards and internet banking. Offline payments can be made at the branches of SBI and Axis Bank using the challans generated online. The present method of fee collection through demand draft (DD) will continue for the next three months to allow for a smooth transition. Affiliated colleges will be provided training on the use of software to make the payments.

A fee of Rs 13 will be collected by the service provider for each transaction. According to university officials, the online payment will be beneficial to students and colleges as the DD charges are higher. "For a transaction of Rs 10 lakh, colleges incur demand draft charges of up to Rs 2,000. With the software, they will be charged just Rs 13 even if they are transferring the fees collected from 1,500 students," a university official said.

          Financial Controller - Charity   
Financial Controller - Charity Working with an established charity business that is looking for an experienced Financial Controller to join their business. They are currently based in West Kent, with a view to potentially relocate to Central London next year, so we need someone who is comfortable with both locations. Responsibilities: Financial Accounting: * Maintain books of accounts; Prepare journals and accurately record Payments/receipts/invoices in Sun * Ensure all income transactions are recorded in Raiser's Edge * Ensure that transactions have been fully and accurately coded before uploading journals in Sun * Preform monthly reconciliations of Balance sheet accounts including bank accounts. * Manage Month End processes and Year End closure for all entities in Sun * Payment of suppliers within payment terms. Staff Salaries, PAYE, Pensions, Staff advance payments and other remittances * Responsibility for Gift Aid reclaims and reconciliations * Responsible for payment of staff trip advances, processing expense reports (including company credit card expenses) and posting approved expenses in Sun * Maintain agreed Foreign exchange rates in Sun for Group. Perform monthly and Year end currency revaluations in Sun. * Preparation of full schedules for the statutory year end accounts in compliance with the relevant SORP and financial reporting standards. Prepare draft year end accounts. * Maintaining Book of Accounts in Sun. Perform monthly reconciliations * Maintain receivables (inter-company) accounts between the UK and other business entities within Sun. Reconcile receivables accounts monthly System Accountant * Responsible for the provision of Sun and Q&A technical support and training for UK and country office finance staff * Maintain the group chart of Accounts. Set up new codes and update business rules with prior approval of the Director of Finance &Resources * Ensure the integrity of Sun data for UK and the Group * Actively support development and maintenance of Sun and Q&A manuals for Group Treasury Management * Responsible for ensuring that there are adequate funds in UK's bank accounts to fulfil UK payments including hedging contracts and transfers to Country offices * Maintain cash flow forecast and update regularly in line with agreed revised income and expenditure forecasts * Support the Director of Finance & Resources in negotiating foreign exchange forward contracts * Regularly bank cheques and cash including foreign currencies. * Ensure that bank reconciliation statements (with bank statements) from country offices have been received and reviewed prior to initiating monthly country office transfers * Ensure that online banking system is appropriately set up and fully functional * Act as primary liaison with the bank on all administrative matters Finance Policies & Procedures * Maintain financial policies and procedures and ensure that they are kept up to date * Draft new finance policies as may be required by the Finance & Resources Director * Induct new staff on finance policies and procedures Other * Follow up with the relevant teams to ensure that grant income is received from donors as forecasted. Alert the Finance &Resources Director to delays in receiving funds * Actively follow up with respective staff to ensure that all staff advances/credit card expenses are accounted for on a monthly basis * Custodian of all finance forms and templates. Ensuring that they are kept up to date * Provide support to other team members or cover for other team members during absences * Perform any other responsibilities that may be reasonably required by the Finance & Resources Director * Travel occasionally to country offices to provide face to face technical support and finance capacity building interventions Person specification: 1. Qualified or Part Qualified Accountant with extensive relevant experience 2. Recent experience of Sun Accounts and Q&A 3. Experience of working in a multi donor funded context 4. Experience of donor reporting in a multi-currency environment 5. Ability to generate and analyse financial information for key decision making 6. Ability to work on his/her own initiative. 7. Ability to use MS word and other MS applications. Numerate and proficient in using Excel 8. Good communication skills (written and verbal) 9. Ability to work within a small team At KHR we take care to ensure that you are represented as well as possible so it is worth checking your CV for layout, spelling and grammar as well as making sure it is up to date before you submit. If you feel you need to highlight particular qualifications, skills or relevant experience with regards to a specific role then please add a cover letter or a preface page. This does not need to be formatted in the same manner. In addition, if your CV is heavy with graphics etc, please could you also submit a "clean" copy in Word. Thank you. KH Recruitment Ltd is acting as an Employment Agency in relation to this vacancy. KHR - Recruitment Specialists is a trading name of KH Recruitment Ltd Keep in touch with us online for job alerts, industry updates and market...
          Weekly Commentary: The Road to Normalization   
The past week provided important support for the “peak monetary stimulus” thesis. There is mounting evidence that global central bankers are monitoring inflating asset prices with heightened concern. The intense focus on CPI is beginning to blur. They would prefer to be on a cautious path toward policy normalization.

June 25 – Financial Times (Claire Jones): “Global financial stability will be in jeopardy if low inflation lulls central banks into not raising interest rates when needed, the Bank for International Settlements has warned. The message about the dangers of sticking too closely to inflation targets comes as central banks in some of the world’s largest economies are considering how to end years of ultra-loose monetary policy after the global financial crisis… ‘Keeping interest rates too low for long could raise financial stability and macroeconomic risks further down the road, as debt continues to pile up and risk-taking in financial markets gathers steam,’ the bank said in its annual report. The BIS acknowledged that raising rates too quickly could cause a panic in markets that have grown used to cheap central bank cash. However, delaying action would mean rates would need to rise further and faster to prevent the next crisis. ‘The most fundamental question for central banks in the next few years is going to be what to do if the economy is chugging along well, but inflation is not going up,’ said Claudio Borio, the head of the BIS’s monetary and economics department… ‘Central banks may have to tolerate longer periods when inflation is below target, and tighten monetary policy if demand is strong — even if inflation is weak — so as not to fall behind the curve with respect to the financial cycle.’ …Mr Borio said many of the factors influencing wage growth were global and would be long-lasting. ‘If, as we think, the forces of globalisation and technology are relevant [in keeping wages low] and have not fully run their course, this will continue to put downward pressure on inflation,’ he said.”

While global markets easily ignored ramifications from the BIS’s (the central bank to central banks) annual report, the same could not be said for less than super dovish comments from Mario Draghi, my nominee for “the world’s most important central banker.”

June 27 – Financial Times (Katie Martin): “What’s that, you say? The ‘R-word’? Judging from the markets, Mario Draghi’s emphasis on reflation changes everything, and highlights the communications challenge lying ahead of the president of the European Central Bank. The ECB’s crisis-fighter-in-chief threw investors into a fit of the vapours on Tuesday when he said he was growing increasingly confident in the currency bloc’s economic recovery, and that ‘deflationary forces have been replaced by reflationary ones’.”

June 27 – Bloomberg (Annie Massa and Elizabeth Dexheimer): “Mario Draghi hinted at how he may sell a gradual unwinding of European Central Bank stimulus. The ECB president repeated his mantra that the Governing Council needs to be patient in letting inflation pressures build in the euro area and prudent in withdrawing support. At the same time, there’s room to tweak existing measures. ‘As the economy continues to recover, a constant policy stance will become more accommodative, and the central bank can accompany the recovery by adjusting the parameters of its policy instruments -- not in order to tighten the policy stance, but to keep it broadly unchanged.’ The comments echo an argument first made by Bundesbank President Jens Weidmann… With his nod to a frequent critic of quantitative easing who has been calling for an end of the 2.3 trillion-euro ($2.6 trillion) program, Draghi may have set the stage for a discussion in the coming months on phasing out asset purchases.”

When the ECB chose not to offer any policy clarification coming out of its June 8th meeting, wishful markets had Draghi holding out until September. The timeline was moved up, with the ECB president using the bank’s annual meeting, held this year in Sintra Portugal, to offer initial thoughts on how the ECB might remove accommodation. Market reaction was swift.

German 10-year bund yields surged 13 bps Tuesday and almost doubled this week to 47bps. French yield jumped 14 bps Tuesday – and 21 bps for the week - to 82 bps. European periphery bonds were under pressure. Italian 10-year yields rose 16 bps Tuesday and 24 bps for the week to 2.16%. Portuguese yields rose 14 bps Tuesday, ending the week at 3.03%. Draghi’s comments rattled bond markets around the globe. Ten-year Treasury yields rose seven bps to 2.21% (up 16 bps for the week), Canadian bonds 11 bps to 1.57% and Australian bonds 10 bps to 2.46%. Emerging market bonds also came under heavy selling pressure, with Eastern European bonds taking a pounding.

June 28 – Bloomberg (Robert Brand): “This is what it sounds like when doves screech. Less than 24 hours Mario Draghi jolted financial markets by saying ‘deflationary forces’ have been replaced by reflationary ones, European Central Bank officials reversed the script, saying markets had misinterpreted the central banker’s comments. What was perceived as hawkish was really meant to strike a balance between recognizing the currency bloc’s economic strength and warning that monetary support is still needed, three Eurosystem officials familiar with policymakers’ thinking said. Their dovish interpretation sparked a rapid unwinding of moves in assets from the euro to stocks and sovereign bonds.”

I don’t see it as the markets misinterpreting Draghi. Understandably, inflated Bubble markets have turned hyper-sensitive to the course of ECB policymaking. The ECB’s massive purchase program inflated a historic Bubble throughout European debt markets, a speculative Bubble that I believe unleashed a surge of global liquidity that has underpinned increasingly speculative securities markets.

If not for massive QE operations from the ECB and BOJ, I believe the 2016 global reversal in bond yields would have likely ushered in a major de-risking/deleveraging episode throughout global markets. Instead, powerful liquidity injections sustained speculative Bubbles throughout global fixed income, in the process spurring blow-off excess throughout global equities and risk assets more generally. Recalling the summer of 2007, everyone is determined to see the dance party rave indefinitely.

First-half QE has been estimated (by Bank of America) at (an incredible) $1.5 TN. Bubbling markets should come as no stunning surprise. At May highs, most European equities indices were sporting double-digit year-to-date gains. The S&P500 returned (price + dividends) almost 10% for the first half, with the more speculative areas of U.S. equities outperforming. The Nasdaq Composite gained 14.1% in the first-half, with the large company Nasdaq 100 (NDX) rising 16.1%. Despite this week’s declines, the Morgan Stanley High Tech index rose 20.3%, and the Semiconductors (SOX) jumped 14.2% y-t-d. The Biotechs (BTK) surged 9.7% during Q2, boosting y-t-d gains to 25.6%. The NYSE Healthcare Index gained 7.7% for the quarter and 15.3% y-t-d. The Nasdaq Transports jumped 9.7% during Q2, with the DJ Transports up 5.3%. The Nasdaq Other Financials rose 7.9% in the quarter.

Central banks have closely collaborated since the financial crisis. While always justifying policy stimulus on domestic grounds, it’s now been almost a decade of central bankers coordinating stimulus measures to address global system fragilities. I doubt the Fed would have further ballooned its balance sheet starting in late-2012 if not for the “European” financial crisis. In early-2016, the ECB and BOJ would not have so aggressively expanded QE programs – and the Fed not postponed “normalization” – if not for global ramifications of a faltering Chinese Bubble. All the talk of downside inflation risk was convenient cover for global crisis worries.

As Mario Draghi stated, the European economy is now on a reflationary footing. At least for now, Beijing has somewhat stabilized the Chinese Bubble. Powered by booming securities markets, global Credit continues to expand briskly. Even in Europe, the employment backdrop has improved markedly. It’s just become difficult for central bankers to fixate on tame consumer price indices with asset prices running wild.

Global market liquidity has become fully fungible, a product of multinational financial institutions, securities lending/finance and derivatives markets. The ECB and BOJ’s ultra-loose policy stances have worked to counteract the Fed’s cautious normalization strategy. Determined to delay the inevitable, Draghi now faces the scheduled year-end expiration of the ECB’s latest QE program, along with an impending shortage of German bunds available for purchase. Behind the scenes and otherwise, Germany is surely losing patience with open-ended “money” printing. This week’s annual ECB gathering provided an opportunity for Draghi to finally get the so-called normalization ball rolling. Despite his cautious approach, markets immediately feared being run over.

June 28 – Bloomberg (Alessandro Speciale): “Mario Draghi just got evidence that his call for ‘prudence’ in withdrawing European Central Bank stimulus applies to his words too. The euro and bond yields surged on Tuesday after the ECB president said the reflation of the euro-area economy creates room to pull back unconventional measures without tightening the stance. Policy makers noted the jolt that showed how hypersensitive investors are to statements that can be read as even mildly hawkish… Draghi’s speech at the ECB Forum in Sintra, Portugal, was intended to strike a balance between recognizing the currency bloc’s economic strength and warning that monetary support is still needed, said the officials…”

June 28 – Bloomberg (James Hertling, Alessandro Speciale, and Piotr Skolimowski): “Global central bankers are coalescing around the message that the cost of money is headed higher -- and markets had better get used to it. Just a week after signaling near-zero interest rates were appropriate, Bank of England Governor Mark Carney suggested on Wednesday that the time is nearing for an increase. His U.S. counterpart, Janet Yellen, said her policy tightening is on track and Canada’s Stephen Poloz reiterated he may be considering a rate hike. The challenge of following though after a decade of easy money was highlighted by European Central Bank President Mario Draghi’s attempt to thread the needle. Financial markets whipsawed as Eurosystem officials walked back comments Draghi made Tuesday that investors had interpreted as signaling an imminent change in monetary policy. ‘The market is very sensitive to the idea that a number of central banks are appropriately and belatedly reassessing the need for emergency policy accommodation,’ said Alan Ruskin, co-head of foreign exchange research at Deutsche Bank AG.”

Draghi and the ECB are hoping to duplicate the Fed blueprint – quite gingerly removing accommodation while exerting minimal impact on bond yields and risk markets more generally: Normalization without a meaningful tightening of financial conditions. This is unrealistic.

Current complacency notwithstanding, turning down the ECB QE spigot will dramatically effect global liquidity dynamics. Keep in mind that the removal of Fed accommodation has so far coincided with enormous counteracting market liquidity injections courtesy of the other major central banks. The ECB will not enjoy a similar luxury. Moreover, global asset prices have inflated significantly over the past 18 months, fueled at least in part by a major increase in speculative leverage.

There are three primary facets to QE dynamics worth pondering as central banks initiate normalization. The first is the size and scope of previous QE operations. The second is the primary target of liquidity-induced market flows. And third, to what extent have central bank measures and associated market flows spurred self-reinforcing speculative leveraging and market distortions. Inarguably, ECB and BOJ-induced flows over recent quarters have been massive. It is also reasonably clear that market flows gravitated primarily to equities and corporate Credit, asset classes demonstrating the most enticing inflationary biases. And there are as well ample anecdotes supporting the view that major speculative leveraging has been integral to myriad Bubbles throughout global risk markets. The now deeply ingrained view that the cadre of global central banks will not tolerate market declines is one of history’s most consequential market distortions.

And while the timing of the removal of ECB and BOJ liquidity stimulus remains uncertain, markets must now at least contemplate an approaching backdrop with less accommodation from the ECB and central banks more generally. With this in mind, Draghi’s comments this week could mark an important juncture for speculative leveraging. Increasingly unstable currency markets are consistent with this thesis. The days of shorting yen and euros and using proceeds for easy profits in higher-yielding currencies appear to have run their course. I suspect de-leveraging dynamics have commenced, though market impact has thus far been muted by ongoing ECB and BOJ liquidity operations.

June 27 – Reuters (William Schomberg, Marc Jones, Jason Lange and Lindsay Dunsmuir): “U.S. Federal Reserve Chair Janet Yellen said on Tuesday that she does not believe that there will be another financial crisis for at least as long as she lives, thanks largely to reforms of the banking system since the 2007-09 crash. ‘Would I say there will never, ever be another financial crisis?’ Yellen said… ‘You know probably that would be going too far but I do think we're much safer and I hope that it will not be in our lifetimes and I don't believe it will be,’ she said.”

While headlines somewhat paraphrased Yellen’s actual comment, “We Will not see Another Crisis in Our Lifetime” is reminiscent of Irving Fisher’s “permanent plateau” just weeks before the great crash of 1929. While on the subject, I never bought into the popular comparison between 2008 and 1929 – and the related notion of 2008 as “the 100-year flood”. The 2008/09 crisis was for the most part a private debt crisis associated with the bursting of a Bubble in mortgage Credit – not dissimilar to previous serial global crises, only larger and somewhat more systemic. It was not, however, a deeply systemic debt crisis akin to the aftermath of 1929, which was characterized by a crisis of confidence in the banking system, the markets and finance more generally, along with a loss of faith in government policy and institutions. But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.

As such, it’s ironic that the Fed has branded the banking system cured and so well capitalized that bankers can now boost dividends, buybacks and, presumably, risk-taking. As conventional central bank thinking goes, a well-capitalized banking system provides a powerful buffer for thwarting the winds of financial crisis. Chair Yellen, apparently, surveys current bank capital levels and extrapolates to systemic stability. Yet the next crisis lurks not with the banks but within the securities and derivatives markets: too much leverage and too much “money” employed in trend-following trading strategies. Too much hedging, speculating and leveraging in derivatives. Market misperceptions and distortions on an epic scale.

Compared to 2008, the leveraged speculating community and the ETF complex are significantly larger and potentially perilous. The derivatives markets are these days acutely more vulnerable to liquidity issues and dislocation. Never have global markets been so dominated by trend-following strategies. It’s a serious issue that asset market performance – stocks, bond, corporate Credit, EM, real estate, etc. – have all become so tightly correlated. There are huge vulnerabilities associated with various markets having become so highly synchronized on a global basis. And in the grand scheme of grossly inflated global securities, asset and derivatives markets, the scope of available bank capital is trivial.

I realize that, at this late stage of the great bull market, such a question sounds hopelessly disconnected. Yet, when markets reverse sharply lower and The Crowd suddenly moves to de-risk, who is left to take the other side of what has become One Gargantuan “Trade”? We’re all familiar with the pat response: “Central banks. They’ll have no choice.” Okay, but I’m more interested in the timing and circumstances.

Central bankers are now signaling their desire to proceed with normalization, along with noting concerns for elevated asset prices. As such, I suspect they will be somewhat more circumspect going forward when it comes to backstopping the markets - than, say, back in 2013 with Bernanke’s “flash crash” or with the China scare of early-2016. Perhaps this might help to explain why the VIX spiked above 15 during Thursday afternoon trading. Even corporate debt markets showed a flash of vulnerability this week.


For the Week:

The S&P500 dipped 0.6% (up 8.2% y-t-d), and the Dow slipped 0.2% (up 8.0%). The Utilities fell 2.5% (up 6.2%). The Banks surged 4.4% (up 4.2%), and the Broker/Dealers jumped 2.6% (up 9.8%). The Transports rose 1.9% (up 5.7%). The S&P 400 Midcaps added 0.2% (up 5.2%), while the small cap Russell 2000 was unchanged (up 4.3%). The Nasdaq100 dropped 2.7% (up 16.1%), and the Morgan Stanley High Tech index sank 3.0% (up 20.3%). The Semiconductors were hit 4.9% (up 14.2%). The Biotechs dropped 3.9% (up 25.5%). With bullion dropping $15, the HUI gold index sank 4.5% (up 1.9%).

Three-month Treasury bill rates ended the week at 100 bps. Two-year government yields gained four bps to 1.38% (up 19bps y-t-d). Five-year T-note yields rose 13 bps to 1.89% (down 4bps). Ten-year Treasury yields jumped 16 bps to 2.30% (down 14bps). Long bond yields increased 12 bps to 2.84% (down 23bps).

Greek 10-year yields were little changed at 5.36% (down 166bps y-t-d). Ten-year Portuguese yields rose 10 bps to 3.03% (down 72bps). Italian 10-year yields surged 24 bps to 2.16% (up 35bps). Spain's 10-year yields jumped 16 bps to 1.54% (up 16bps). German bund yields surged 21 bps to 0.47% (up 26bps). French yields rose 21 bps to 0.82% (up 14bps). The French to German 10-year bond spread was unchanged at 35 bps. U.K. 10-year gilt yields jumped 23 bps to 1.26% (up 2bps). U.K.'s FTSE equities index fell 1.5% (up 11.2%).

Japan's Nikkei 225 equities index declined 0.5% (up 4.8% y-t-d). Japanese 10-year "JGB" yields gained three bps to 0.09% (up 5bps). France's CAC40 sank 2.8% (up 5.3%). The German DAX equities index was hit 3.2% (up 7.4%). Spain's IBEX 35 equities index fell 1.8% (up 11.7%). Italy's FTSE MIB index declined 1.2% (up 7.0%). EM equities were mostly higher. Brazil's Bovespa index rallied 3.0% (up 4.4%), and Mexico's Bolsa gained 1.8% (up 9.2%). South Korea's Kospi increased 0.6% (up 18%). India’s Sensex equities index declined 0.7% (up 16.1%). China’s Shanghai Exchange rose 1.1% (up 2.9%). Turkey's Borsa Istanbul National 100 index added 0.8% (up 28.5%). Russia's MICEX equities index gained 0.6% (down 15.8%).

Junk bond mutual funds saw outflows of $1.735 billion (from Lipper).

Freddie Mac 30-year fixed mortgage rates dipped two bps to 3.88% (up 40bps y-o-y). Fifteen-year rates were unchanged at 3.17% (up 39bps). The five-year hybrid ARM rate gained three bps to 3.17% (up 47bps). Bankrate's survey of jumbo mortgage borrowing costs had 30-yr fixed rates up a basis point to 4.01% (up 34bps).

Federal Reserve Credit last week added $0.8bn to $4.431 TN. Over the past year, Fed Credit declined $5.0bn. Fed Credit inflated $1.620 TN, or 58%, over the past 242 weeks. Elsewhere, Fed holdings for foreign owners of Treasury, Agency Debt jumped another $17.9bn last week to $3.310 TN. "Custody holdings" were up $83bn y-o-y, 2.6%.

M2 (narrow) "money" supply last week slipped $4.3bn to $13.510 TN. "Narrow money" expanded $686bn, or 5.4%, over the past year. For the week, Currency increased $2.7bn. Total Checkable Deposits fell $12.7bn, while Savings Deposits gained $6.9bn. Small Time Deposits were little changed. Retail Money Funds fell $4.1bn.

Total money market fund assets added $4.2bn to $2.621 TN. Money Funds fell $96bn y-o-y (3.5%).

Total Commercial Paper declined $5.4bn to $973.6bn. CP declined $77bn y-o-y, or 7.4%.

Currency Watch:

The U.S. dollar index fell 1.7% to 95.628 (down 6.6% y-t-d). For the week on the upside, the Swedish krona increased 3.4%, the British pound 2.4%, the Canadian dollar 2.3%, the euro 2.1%, the Australian dollar 1.6%, the Norwegian krone 1.3%, the Swiss franc 1.2%, the Brazilian real 1.1%, the Singapore dollar 0.8% and the New Zealand dollar 0.7%. For the week on the downside, the South African rand declined 1.6%, the Japanese yen 1.0%, the Mexican peso 0.6% and the South Korean won 0.4%. The Chinese renminbi gained 0.82% versus the dollar this week (up 2.42% y-t-d).

Commodities Watch:

The Goldman Sachs Commodities Index surged 5.3% (down 6.5% y-t-d). Spot Gold declined 1.2% to $1,242 (up 7.7%). Silver slipped 0.5% to $16.627 (up 4.0%). Crude rallied $3.03 to $46.04 (down 15%). Gasoline jumped 5.6% (down 9%), and Natural Gas rose 3.6% (down 19%). Copper gained 2.9% (up 8%). Wheat surged 11.1% (up 29%). Corn jumped 4.2% (up 8%).

Trump Administration Watch:

June 27 – Bloomberg (Steven T. Dennis and Laura Litvan): “Senate Majority Leader Mitch McConnell’s decision to delay a vote on health-care legislation came as a relief to some Republican holdouts, but it sets off what will be a furious few weeks of talks to deliver on the GOP’s seven-year promise to repeal the Affordable Care Act. Senate Republicans went to the White House Tuesday afternoon to meet with President Donald Trump, who also promised his political supporters he would do away with Obamacare. ‘We’re going to solve the problem,’ the president told senators. But Trump also conceded the possibility that the health bill wouldn’t pass. ‘If we don’t get it done, it’s just going to be something that we’re not going to like,’ he said… ‘And that’s OK, and I understand that very well.’”

June 29 – Reuters: “Congress will need to raise the nation's debt limit and avoid defaulting on loan payments by ‘early to mid-October,’ the Congressional Budget Office said in a report… Treasury Secretary Steve Mnuchin has encouraged Congress to raise the limit before the legislative body leaves for their August recess. But it remains unclear if a bipartisan agreement has been struck to allow the limit to be raised, as both chambers continue to be weighed down by health care and tax reform and trying to find an agreement to fund the government after the September 30 deadline.”

June 30 – CNBC (Fred Imbert): “President Donald Trump's White House is ‘hell-bent’ on imposing tariffs on steel and other imports, Axios reported Friday. The plan — which was pushed by Commerce Secretary Wilbur Ross and was supported by National Trade Council Peter Navarro, and policy adviser Stephen Miller — would potentially impose tariffs in the 20% range… During a ‘tense’ meeting Monday, the president made it clear he favors tariffs, yet the plan was met with heavy opposition by most officials in the room, with one telling Axios about 22 were against it and only three in favor, including Trump.”

June 29 – Financial Times (Stefan Wagstyl): “Angela Merkel threw down the gauntlet to Donald Trump as Germany’s chancellor pledged to fight at next week’s G20 summit for free trade, international co-operation and the Paris climate change accord. In a combative speech on Thursday in the German parliament, Ms Merkel also promised to focus on reinforcing the EU, in close co-operation with France, despite the pressing issue of Brexit. But in a sign that it may be difficult to maintain European unity around a tough approach to Mr Trump, Ms Merkel later softened her tone, as she prepares to host G20 leaders in Hamburg next Friday.”

June 27 – Bloomberg (Joe Light): “Two U.S. senators working on a bipartisan overhaul of Fannie Mae and Freddie Mac are seriously considering a plan that would break up the mortgage-finance giants, according to people with knowledge of the matter. The proposal by Tennessee Republican Bob Corker and Virginia Democrat Mark Warner would attempt to foster competition in the secondary mortgage market… Corker and Warner’s push to develop a plan marks Congress’ latest attempt to figure out what to do with Fannie and Freddie, an issue that has vexed lawmakers ever since the government took control of the companies in 2008 as the housing market cratered. The lawmakers’ plan is still being developed, and a Senate aide who asked not to be named cautioned that no decisions had been made on any issues.”

China Bubble Watch:

June 25 – Financial Times (Minxin Pei): “The Chinese government has just launched an apparent crackdown on a small number of large conglomerates known in the west chiefly for their aggressive dealmaking. The list includes Dalian Wanda, Anbang, Fosun and HNA Group. The news that Chinese banking regulators have asked lenders to examine their exposure to these companies has sent the stocks of groups wholly or partly owned by these conglomerates tumbling in Shanghai and Hong Kong. Obviously, the market was caught by surprise. But it should not be… The immediate trigger is Beijing’s growing alarm over the risks in China’s financial sector and attempt to cut capital outflows. In late April, President Xi Jinping convened a politburo meeting specifically focused on stability in the financial system. Foreshadowing the crackdown, he ordered that those ‘financial crocodiles’ that destabilise China’s financial system must be punished.”

June 26 – Wall Street Journal (Anjani Trivedi): “As Beijing looks to rein in companies that have splurged on overseas deals, it is talking up the systemic risks to its financial system. But just how serious is the problem? After all, for years Beijing has urged leading companies to ‘go global,’ and encouraged banks to support them with lending. Its words were taken to heart: Companies like sprawling conglomerate HNA Group and insurer Anbang pushed the country’s outbound acquisitions to more than $200 billion last year… Now… regulators are investigating leverage and risks at banks associated with China Inc.’s bulging overseas deals. It’s clear that Chinese banks are already heavily exposed to China’s big deal makers through basic lending. Chinese lenders had extended more than 500 billion yuan ($73.14bn) of loans to HNA alone as of last year…”

June 26 – Bloomberg: “China may finally be ready to cut the cord when it comes to the country’s troubled local government financing vehicles. Beijing’s deleveraging drive has seen rules impacting LGFV debt refinancing tightened, spurring a slump in issuance by the vehicles, which owe about 5.6 trillion yuan ($818bn) to bondholders and are seen by some as the poster children for China’s post-financial crisis debt woes. Signs the authorities may be taking a less sympathetic view of the sector has ratings companies flagging the possibility that 2017 could see the first ever default by a local financing vehicle.”

June 29 – Reuters (Yawen Chen and Thomas Peter): “The struggles of China's small and medium-sized firms have grown so acute that many are expected to become unprofitable or even go belly-up this year, boding ill for an economy running short on strong growth drivers. The companies - which account for over 60% of China's $11 trillion gross domestic product - have entered the most challenging funding environment in years as Beijing cracks down on easy credit to contain a dangerous debt build-up. Many of the firms - mostly in the industrial, transport, wholesale, retail, catering and accommodation sectors - are already grappling with soaring costs, fierce competition and thinning profits. The strains faced by small and medium-sized enterprises (SMEs) are expected to grow more visible as Beijing deflates a real estate bubble and eases infrastructure spending to dial back its fiscal stimulus.”

June 29 – Reuters (Leika Kihara and Stanley White): “One of Chinese banks’ favorite tools for increasing leverage has staged a remarkable but worrisome comeback just two months after a regulatory crackdown on leveraged investment… Chinese banks’ issuance of negotiable certificates of deposit in June nearly hit the high recorded in March… NCDs, a type of short-term loan, have become extremely popular in recent years with Chinese banks, especially smaller lenders due to their weaker ability to attract deposits. During a clampdown on runaway debt in April, Chinese regulators warned banks against abusing the tool for speculative, leveraged bets in capital markets. But after a deep but brief drop, NCD issuance has risen again as regulatory attention appeared to ease in recent weeks, hitting 1.96 trillion yuan ($287.73bn) this month, up sharply from 1.23 trillion yuan in May and just a touch below March’s record 2.02 trillion yuan."

June 28 – Financial Times (Gabriel Wildau): “Capital flight disguised as overseas tourism spending has artificially cut China’s reported trade surplus while masking the extent of investment outflows, according to research by the US Federal Reserve. A significant share of overseas spending classified in official data as travel-related shopping, entertainment and hospitality may over a 12-month period have instead been used for investment in financial assets and real estate, the Fed paper argued… Disguised capital outflows in the year to September may have amounted to $190bn, or 1.7% of gross domestic product… Chinese households have in recent years looked at ways to skirt government-imposed limitations on foreign investment as its economy slowed and the renminbi depreciated.”

June 28 – Bloomberg (Joe Ryan): “As Elon Musk races to finish building the world’s biggest battery factory in the Nevada desert, China is poised to leave him in the dust. Chinese companies have plans for additional factories with the capacity to pump out more than 120 gigawatt-hours a year by 2021, according to a report… by Bloomberg Intelligence. That’s enough to supply batteries for around 1.5 million Tesla Model S vehicles or 13.7 million Toyota Prius Plug-in Hybrids per year… By comparison, when completed in 2018, Tesla Inc.’s Gigafactory will crank out up to 35 gigawatt-hours of battery cells annually.”

June 28 – CNBC (Geoff Cutmore): “China's economic growth will accelerate because the country will finally get leaders who aren't scared, a former advisor to China's central bank said Wednesday. ‘The most important reason is that there is a new group of officials being appointed ... (who will emerge) around the 19th Party Congress which will be in mid to late October,’ said Li Daokui, who is now Dean of the Schwarzman College at Tsinghua University in Beijing. …Li said the Chinese economy will grow 6.9 to 7 percent by 2018 from 6.7 percent in 2017. China posted 6.7% GDP growth in 2016, the slowest in 26 years. ‘These (new) officials have been carefully, carefully scrutinized before they are appointed so they are clean. They are not worried about becoming targets of anti-corruption investigations,’ he added.”

Europe Watch:

June 26 – Bloomberg (Sonia Sirletti and Alexander Weber): Italy orchestrated its biggest bank rescue on record, committing as much as 17 billion euros ($19bn) to clean up two failed banks in one of its wealthiest regions, a deal that raises questions about the consistency of Europe’s bank regulations. The intervention at Banca Popolare di Vicenza SpA and Veneto Banca SpA includes state support for Intesa Sanpaolo SpA to acquire their good assets for a token amount… Milan-based Intesa can initially tap about 5.2 billion euros to take on some assets without hurting capital ratios, Padoan said. The European Commission approved the plan.”

June 28 – Reuters (Gernot Heller and Joseph Nasr): “Finance Minister Wolfgang Schaeuble… underscored Germany's concerns about what he called a regulatory loophole after the EU cleared Italy to wind up two failed banks at a hefty cost to local taxpayers. Schaeuble told reporters that Europe should abide by rules enacted after the 2008 collapse of U.S. financial services firm Lehman Brothers that were meant to protect taxpayers. Existing European Union guidelines for restructuring banks aimed to ensure ‘what all political groups wanted: that taxpayers will never again carry the risks of banks,’ he said. Italy is transferring the good assets of the two Veneto lenders to the nation's biggest retail bank, Intesa Sanpaolo (ISP.MI), as part of a transaction that could cost the state up to 17 billion euros ($19 billion).”

June 25 – Reuters (Balazs Koranyi and Erik Kirschbaum): “The time may be nearing for the European Central Bank to start discussing the end of unprecedented stimulus as growth and inflation are both moving in the right direction, Bundesbank president Jens Weidmann told German newspaper Welt am Sonntag. Weidmann, who sits on the ECB's rate-setting Governing Council, also said that the bank should not make any further changes to the key parameters of its bond purchase scheme, comments that signal opposition to an extension of asset buys since the ECB will soon hit its German bond purchase limits. Hoping to revive growth and inflation, the ECB is buying 2.3 trillion euros worth of bonds…, a scheme known as quantitative easing and long opposed by Germany… The purchases are set to run until December and the ECB will decide this fall whether to extend it… ‘As far as a possible extension of the bonds-buying program goes, this hasn't yet been discussed in the ECB Council,’ Weidmann told the newspaper…”

June 26 – Bloomberg (Carolynn Look): “It seems the sky is the limit for Germany’s economy. Business confidence -- logging its fifth consecutive increase -- jumped to the highest since 1991 this month, underpinning optimism by the Bundesbank that the upswing in Europe’s largest economy is set to continue. With domestic demand supported by a buoyant labor market, risks to growth stem almost exclusively from global forces. ‘Sentiment among German businesses is jubilant,’ Ifo President Clemens Fuest said… ‘Germany’s economy is performing very strongly.’”

June 29 – Reuters (Pete Schroeder and David Henry): “German inflation probably accelerated in June, regional data suggested on Thursday, suggesting a solid upswing in the economy is pushing up price pressures as euro zone inflation moves closer to the European Central Bank's target. The data comes only days after ECB head Mario Draghi hinted that the bank's asset-purchase program would become less accommodative going into 2018 as regional growth gains pace and inflation trends return following a period of falling prices. In another sign of rising price pressures in the 19-member single currency bloc, Spanish consumer prices rose more than expected in June… In the German state of Hesse, annual inflation rose to 1.9% in June from 1.7% in May…”

June 28 – Reuters (Gavin Jones and Steve Scherer): “He is an 80-year-old convicted criminal whose last government ended with Italy on the brink of bankruptcy - and he may well be kingmaker at the next election within a year. Mayoral elections on Sunday showed four-time Prime Minister Silvio Berlusconi's center-right Forza Italia party remains a force to be reckoned with... ‘Berlusconi sees this as the last challenge of his career,’ said Renato Brunetta, a close ally for over 20 years and Forza Italia's lower house leader. ‘He feels he has suffered many injustices and deserves one last shot. Who can deny him that?’ Matteo Renzi, leader of the ruling Democratic Party (PD), and Beppe Grillo's anti-establishment 5-Star Movement have dominated the national scene in recent years, relegating Forza Italia to a distant third or fourth in the polls. Yet in the mayoral ballots, Forza Italia and its anti-immigrant Northern League allies trounced the PD and 5-Star in cities all over the country, suggesting they have momentum behind them just as the national vote comes into view.”

Central Bank Watch:

June 27 – Wall Street Journal (Tom Fairless): “The euro soared to its biggest one-day gain against the dollar in a year and eurozone bond prices slumped after European Central Bank President Mario Draghi hinted the ECB might start winding down its stimulus in response to accelerating growth in Europe. Any move by the ECB toward reducing bond purchases would put it on a similar policy path as the Federal Reserve, which first signaled an intent to taper its own stimulus program in 2013. But the ECB is likely to remain far behind: The Fed has been raising interest rates gradually since December 2015, while the ECB’s key rate has been negative since June 2014. Mr. Draghi’s comments, made Tuesday at the ECB’s annual economic policy conference in Portugal, were laced with caution and caveats. But investors interpreted them as a cue to buy euros and sell eurozone bonds, a reversal of a long-term trade that has benefited from the central bank’s €60 billion ($67.15bn) of bond purchases each month. ‘All the signs now point to a strengthening and broadening recovery in the euro area,’ Mr. Draghi said.”

June 28 – Financial Times (Dan McCrum and Chris Giles in London and Claire Jones): “Bond and currency markets whipsawed on Wednesday as Europe’s two most influential central bankers struggled to communicate to investors how they would exit from years of crisis-era economic stimulus policies. The euro surged to a 52-week high against the dollar after investors characterised remarks by Mario Draghi as a signal he was preparing to taper the European Central Bank’s bond-buying scheme — only to drop almost a full cent after senior ECB figures made clear he had been misinterpreted. Similarly, the British pound jumped 1.2% to $1.2972 after Mark Carney, Bank of England governor, said he was prepared to raise interest rates if UK business activity increased — just a week after saying ‘now is not yet the time’ for an increase. The sharp moves and sudden reversals over two days of heavy trading highlight the acute sensitivity of financial markets to any suggestion of a withdrawal of stimulus measures after a prolonged period of monetary accommodation.”

June 25 – Reuters (Marc Jones): “Major central banks should press ahead with interest rate increases, the Bank for International Settlements said…, while recognizing that some turbulence in financial markets will have to be negotiated along the way. The BIS, an umbrella body for leading central banks, said in one of its most upbeat annual reports for years that global growth could soon be back at long-term average levels after a sharp improvement in sentiment over the past year. Though pockets of risk remain because of high debt levels, low productivity growth and dwindling policy firepower, the BIS said policymakers should take advantage of the improving economic outlook and its surprisingly negligible effect on inflation to accelerate the ‘great unwinding’ of quantitative easing programs and record low interest rates.”

Brexit Watch:

June 27 – Reuters (Guy Faulconbridge and Kate Holton): “Prime Minister Theresa May struck a deal on Monday to prop up her minority government by agreeing to at least 1 billion pounds ($1.3bn) in extra funding for Northern Ireland in return for the support of the province's biggest Protestant party. After over two weeks of talks and turmoil sparked by May's failure to win a majority in a June 8 snap election, she now has the parliamentary numbers to pass a budget and a better chance of passing laws to take Britain out of the European Union.”

Global Bubble Watch:

June 28 – Wall Street Journal (Richard Barley): “Sometimes financial markets are surprisingly bad at connecting the dots—until they can’t ignore the picture forming before their eyes. The screeching U-turn in bond markets is a good example. The world’s central banks are sending out a message that loose monetary policy can’t last forever. The shift is mainly rhetorical, and action may yet be some way off. But expectations matter, as they did when the Federal Reserve indicated in 2013 that its quantitative-easing program could be wound down. That caused global bond yields to surge, led by the U.S., and sparked extended turmoil in emerging markets. This time, the bond reversal has been centered on Europe. Ten-year German bund yields started Tuesday just below 0.25%, but by Wednesday afternoon stood at 0.37%. That helped lift bond yields elsewhere, since low German yields have been acting as an anchor. The selloff in the bund Tuesday was the worst in 22 months…”

June 28 – Reuters (Sujata Rao): “Global debt levels have climbed $500 billion in the past year to a record $217 trillion, a new study shows, just as major central banks prepare to end years of super-cheap credit policies. World markets were jarred this week by a chorus of central bankers warning about overpriced assets, excessive consumer borrowing and the need to begin the process of normalizing world interest rates from the extraordinarily low levels introduced to offset the fallout of the 2009 credit crash. This week, U.S. Federal Reserve chief Janet Yellen has warned of expensive asset price valuations, Bank of England Governor Mark Carney has tightened controls on bank credit and European Central Bank head Mario Draghi has opened the door to cutting back stimulus, possibly as soon as September. Years of cheap central bank cash has delivered a sugar rush to world equity markets, pushing them to successive record highs. But another side effect has been explosive credit growth as households, companies and governments rushed to take advantage of rock-bottom borrowing costs. Global debt, as a result, now amounts to 327% of the world's annual economic output, the Institute of International Finance (IIF) said in a report…”

June 26 – Bloomberg (Garfield Clinton Reynolds and Adam Haigh): “Greed seems to be running the show in global markets. Fear has fled, and that may be the biggest risk of all. Currency volatility just hit a 20-month low, Treasury yields are in their narrowest half-year trading range since the 1970s and the U.S. equities fear gauge, the VIX, is stuck near a two-decade nadir. While markets have signaled complacency in the face of Middle East tensions, the withdrawal of Federal Reserve stimulus and President Donald Trump’s tweetstorms, the Bank for International Settlements flagged on Sunday that low volatility can spur risk-taking with the potential to unwind quickly.”

June 27 – Bloomberg (Annie Massa and Elizabeth Dexheimer): “The growing market for exchange-traded funds hasn’t been fully put to the test, according to one of the top U.S. speed trading firms. Ari Rubenstein, chief executive officer and co-founder of Global Trading Systems LLC, told lawmakers… that while investment dollars have flooded the U.S. ETF market, the new order has not endured an extreme period of stress. Volatility, a measure of market uncertainty, has remained low. ‘In some ways the markets are a bit untested,’ Rubenstein said… ‘It’s definitely something we should talk about to make sure industry participants are prepared in those instruments.’”

June 29 – Financial Times (Javier Espinoza): “Private equity buyouts have enjoyed the strongest start to a year since before the financial crisis as fund managers have come under intense pressure from investors to deploy some of the record amount of capital they hold. The volume of deals involving private equity firms climbed 29% to $143.7bn in the first half of the year, the highest level since 2007, according to… Thomson Reuters.”

June 27 – Bloomberg (Enda Curran and Stephen Engle): “Investors aren’t sufficiently pricing in a growing threat to economic and financial market stability from geopolitical risks, and the latest global cyberattack is an example of the damage that can be wreaked on trade, Cornell University Professor Eswar Prasad said. His remarks came as a virus similar to WannaCry reached Asia after spreading from Europe to the U.S. overnight, hitting businesses, port operators and government systems.”

Fixed Income Bubble Watch:

June 27 – CNBC (Ann Saphir): “Bond investors may soon pay a hefty price for being too pessimistic about the economy, according to portfolio manager Joe Zidle. Zidle, who is with Richard Bernstein Advisors, believes the vast amount of money flowing into long-duration bonds is signaling a costly mistake. ‘Last week alone, there is a 20-year plus treasury bond ETF that in one week got more inflows than all domestic equity mutual funds, and all domestic equity ETFs combined year-to-date,’ he said… He added: ‘I think investors are going to be in a real painful trade.’”

June 26 – Bloomberg (Mary Williams Walsh): “The United States Virgin Islands is best known for its powdery beaches and turquoise bays, a constant draw for the tourists who frequent this tiny American territory. Yet away from the beaches the mood is ominous, as government officials scramble to stave off the same kind of fiscal collapse that has already engulfed its neighbor Puerto Rico. The public debts of the Virgin Islands are much smaller than those of Puerto Rico, which effectively declared bankruptcy in May. But so is its population, and therefore its ability to pay. This tropical territory of roughly 100,000 people owes some $6.5 billion to pensioners and creditors.”

Federal Reserve Watch:

June 28 – Bloomberg (Jill Ward, Lucy Meakin, and Christopher Condon): “Federal Reserve Chair Janet Yellen gave no indication her plans for continued monetary policy tightening had shifted while acknowledging that some asset prices had become ‘somewhat rich.’ ‘We’ve made very clear that we think it will be appropriate to the attainment of our goals to raise interest rates very gradually,’ she said… In her first public remarks since the U.S. central bank hiked rates on June 14, Yellen said that asset valuations, by some measures ‘look high, but there’s no certainty about that.’ ‘Asset valuations are somewhat rich if you use some traditional metrics like price earnings ratios, but I wouldn’t try to comment on appropriate valuations, and those ratios ought to depend on long-term interest rates,” she said.”

June 27 – Bloomberg (Christopher Condon): “Federal Reserve Vice Chairman Stanley Fischer pointed to higher asset prices as well as increased vulnerabilities for both household and corporate borrowers in warning against complacency when gauging the safety of the global financial system. ‘There is no doubt the soundness and resilience of our financial system has improved since the 2007-09 crisis,’ Fischer said… ‘However, it would be foolish to think we have eliminated all risks.’”

June 28 – Bloomberg (Luke Kawa): “When a trio of Federal Reserve officials delivered remarks on Tuesday, the state of U.S. financial markets came in for a little bit of criticism. When all was said and done, U.S. equities sank the most in six weeks, yields on 10-year Treasuries rose and the dollar weakened to the lowest level versus the euro in 10 months. Fed Chair Janet Yellen said that asset valuations, by some measures ‘look high, but there’s no certainty about that.’ Earlier, San Francisco Fed President John Williams said the stock market ‘seems to be running very much on fumes’ and that he was ‘somewhat concerned about the complacency in the market.’ Fed Vice-Chair Stanley Fischer suggested that there had been a ‘notable uptick’ in risk appetite that propelled valuation ratios to very elevated levels.”

June 27 – Reuters (Guy Faulconbridge and Kate Holton): “With the U.S. economy at full employment and inflation set to hit the Federal Reserve's 2% target next year, the U.S. central bank needs to keep raising rates gradually to keep the economy on an even keel, a Fed policymaker said… ‘If we delay too long, the economy will eventually overheat, causing inflation or some other problem,’ San Francisco Fed President John Williams said… ‘Gradually raising interest rates to bring monetary policy back to normal helps us keep the economy growing at a rate that can be sustained for a longer time.’”

June 29 – Financial Times (Alistair Gray and Barney Jopson): “Regulators have given US banks the go-ahead to pay out almost all their earnings to shareholders this year in a signal of their confidence in the health of the financial system. The Federal Reserve has given the green light to a record level of post-crisis distributions, including an estimated total of almost $100bn from the six largest banks. All 34 institutions passed the second part of its annual stress test, although the Fed did call out weaknesses in capital planning at Capital One… The big six US banks — Bank of America, Citigroup, Goldman Sachs, Morgan Stanley, JPMorgan Chase and Wells Fargo — are set to return to shareholders between $95bn and $97bn over the next four quarters, according to RBC Capital Markets analyst Gerard Cassidy. That is about 50% more than they were able to hand out after last year’s exam.”

U.S. Bubble Watch:

June 27 – Wall Street Journal (Shibani Mahtani and Douglas Belkin): “This is what happens when a major American state lets its bills stack up for two years. Hospitals, doctors and dentists don’t get paid for hundreds of millions of dollars of patient care. Social-service agencies help fewer people. Public universities and the towns that surround them suffer. The state’s bond rating falls to near junk status. People move out. A standoff in Illinois between Republican Governor Bruce Rauner and Democratic Speaker of the House Michael Madigan over spending and term limits has left Illinois without a budget for two years. State workers and some others are still getting paid because of court orders and other stopgap measures, but bills for many others are piling up. The unpaid backlog is now $14.6 billion and growing.”

June 28 – Bloomberg Business Week (Elizabeth Campbell and John McCormick): “Two years ago, Illinois’s budget impasse meant that the state’s lottery winners had to wait for months to get their winnings. Now, with $15 billion in unpaid bills, Illinois is on the brink of being unable to even sell Powerball tickets. For the third year in a row, the state is poised to begin its fiscal year on July 1 with no state budget and billions of dollars in the red. If that happens, S&P Global Ratings says Illinois will probably lose its ­investment-grade status and become the first U.S. state on record to have its general obligation debt rated as junk. Illinois is already the worst-rated state at BBB-, S&P’s lowest investment-grade rating. The state owes at least $800 million in interest and late fees on its unpaid bills.”

June 26 – Wall Street Journal (Lev Borodovsky): “Commercial real estate prices are starting to roll over after reaching record highs, capping a long postcrisis rally. While there is no sign that a decline would mean imminent danger for the economy, Federal Reserve Bank of Boston President Eric Rosengren recently warned that valuations represent a risk he ‘will continue to watch carefully.’ So far, prices have proven resilient, reflecting in part the unexpected 2017 decline of interest rates and the rising capital flows from diverse sources such as U.S. pensions and overseas investors.”

June 28 – Wall Street Journal (Chris Dieterich): “Booming demand for passive investments is making exchange-traded funds an increasingly crucial driver of share prices, helping to extend the long U.S. stock rally even as valuations become richer and other big buyers pare back. ETFs bought $98 billion in U.S. stocks during the first three months of this year, on pace to surpass their total purchases for 2015 and 2016 combined… These funds owned nearly 6% of the U.S. stock market in the first quarter—their highest level on record—according to an analysis of Fed data by Goldman Sachs… Surging demand for ETFs this year has to an unprecedented extent helped fuel the latest leg higher for the eight-year stock-market rally.”

June 27 – Reuters (Kimberly Chin): “U.S. single-family home prices rose in April due to tight inventory of houses on the market and low mortgage rates… and economists see no imminent change in the trend. The S&P CoreLogic Case-Shiller composite index of 20metropolitan areas rose 5.7% in April on a year-over-year basis after a 5.9% gain in March, which matched the fastest pace in nearly three years.”

June 27 – Bloomberg (Andrew Mayeda): “The International Monetary Fund cut its outlook for the U.S. economy, removing assumptions of President Donald Trump’s plans to cut taxes and boost infrastructure spending to spur growth. The IMF reduced its forecast for U.S. growth this year to 2.1%, from 2.3% in the fund’s April update to its world economic outlook. The… fund also cut its projection for U.S. growth next year to 2.1%, from 2.5% in April.”

Japan Watch:

June 29 – Reuters (Leika Kihara and Stanley White): “Japan's industrial output fell faster in May than at any time since the devastating earthquake of March 2011 while inventories hit their highest in almost a year, suggesting a nascent economic recovery may stall before it gets properly started. Household spending also fell in May, leaving the Bank of Japan's 2% target seemingly out of reach.”

EM Watch:

June 28 – Reuters (Brad Brooks and Silvio Cascione): “President Michel Temer called a corruption charge filed against him by Brazil's top prosecutor a ‘fiction’ on Tuesday, as the nation's political crisis deepened under the second president faced with possible removal from office in just over a year. Temer, who was charged Monday night with arranging to receive millions of dollars in bribes, said the move would hurt Brazil's economic recovery and possibly paralyze efforts at reform. The conservative leader said executives of the world's biggest meatpacker, JBS SA , who accused him in plea-bargain testimony of arranging to take 38 million reais ($11.47 million) in bribes in the coming months, did so only to escape jail for their own crimes.”

Geopolitical Watch:

June 29 – New York Times (Nicole Perlroth and David E. Sanger): “Twice in the past month, National Security Agency cyberweapons stolen from its arsenal have been turned against two very different partners of the United States — Britain and Ukraine. The N.S.A. has kept quiet, not acknowledging its role in developing the weapons. White House officials have deflected many questions, and responded to others by arguing that the focus should be on the attackers themselves, not the manufacturer of their weapons. But the silence is wearing thin for victims of the assaults, as a series of escalating attacks using N.S.A. cyberweapons have hit hospitals, a nuclear site and American businesses. Now there is growing concern that United States intelligence agencies have rushed to create digital weapons that they cannot keep safe from adversaries or disable once they fall into the wrong hands.”

June 28 – New York Times (Sheera Frenkel, Mark Scott and Paul Mozur): “As governments and organizations around the world grappled… with the impact of a cyberattack that froze computers and demanded a ransom for their release, victims received a clear warning from security experts not to pay a dime in the hopes of getting back their data. The hackers’ email address was shut down and they had lost the ability to communicate with their victims, and by extension, to restore access to computers. If the hackers had wanted to collect ransom money, said cybersecurity experts, their attack was an utter failure. That is, if that was actually their goal. Increasingly sophisticated ransomware assaults now have cybersecurity experts questioning what the attackers are truly after. Is it money? Mayhem? Delivering a political message?”

June 25 – Reuters: “Qatar is reviewing a list of demands presented by four Arab states imposing a boycott on the wealthy Gulf country, but said on Saturday the list was not reasonable or actionable. ‘We are reviewing these demands out of respect for ... regional security and there will be an official response from our ministry of foreign affairs,’ Sheikh Saif al-Thani, the director of Qatar's government communications office, said… Saudi Arabia, Egypt, Bahrain and the United Arab Emirates, which imposed a boycott on Qatar, issued an ultimatum to Doha to close Al Jazeera, curb ties with Iran, shut a Turkish military base and pay reparations among other demands.”

June 27 – Reuters (Foo Yun Chee): “EU antitrust regulators hit Alphabet unit Google with a record 2.42-billion-euro ($2.7bn) fine on Tuesday, taking a tough line in the first of three investigations into the company's dominance in searches and smartphones. It is the biggest fine the EU has ever imposed on a single company in an antitrust case, exceeding a 1.06-billion-euro sanction handed down to U.S. chipmaker Intel in 2009. The European Commission said the world's most popular internet search engine has 90 days to stop favoring its own shopping service or face a further penalty per day of up to 5% of Alphabet's average daily global turnover.”
          Elite ex- Banker Reveals Truth about Banking, Satanism, Child Sacrifice and the New World Order   
I found this on the website of former CIA agent Robert Steel. Ronald Bernard was Dutch Elite Banker for the New World Order. He reveals EVERYTHING we...

- Poster: video (UID 72405758) - Views 445 - Replies 7

          Special K, Special Day   
I never realized how much I loved cereal until I went a year without it.       I was be-bopping around my banking town, Singida, the other day when I noticed once again, how swiftly it is developing.  Roads are being paved, new shops are being opened- it’s almost unrecognizable from when I arrived last August.  Let […]
          Trust Manager - Credit Suisse - Singapore   
Good inter personal skills. Credit Suisse is a leading global wealth manager with strong investment banking and asset management capabilities....
From Credit Suisse - Thu, 29 Jun 2017 20:30:14 GMT - View all Singapore jobs
          Investment Counsellor Analyst - Global Private Banking - HSBC - Singapore   
Understands, follows and demonstrates compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the...
From HSBC - Thu, 29 Jun 2017 14:52:39 GMT - View all Singapore jobs
          Senior Analyst, Predictive Modeling & Data Science - BMO Financial Group - Toronto, ON   
Lev. The Advanced Analytics &amp; Journey Science group partners with internal Personal and Commercial Banking Canada partners, and various lines of business across...
From BMO Financial Group - Sat, 24 Jun 2017 00:46:45 GMT - View all Toronto, ON jobs
          Director Internal Controls, International Banking (Bilingual Spanish) - Scotiabank - Toronto, ON   
EO, IB &amp; Operations departments and major stakeholders. Join the Global Community of Scotiabankers to help customers become better off....
From Scotiabank - Fri, 30 Jun 2017 18:51:01 GMT - View all Toronto, ON jobs
          Director, International Banking Operations Audit - Scotiabank - Toronto, ON   
Requisition ID: 896 Join the Global Community of Scotiabankers to help customers become better off. Director, International Banking Operations Audit Purpose
From Scotiabank - Tue, 27 Jun 2017 06:46:38 GMT - View all Toronto, ON jobs
          Territory Manager - Leasing - Westminster Savings Credit Union - Ontario   
We have four lines of business – Consumer Banking, Commercial Banking, Wealth Management, and Auto/Equipment Leasing....
From Westminster Savings Credit Union - Fri, 24 Mar 2017 00:39:28 GMT - View all Ontario jobs
          Senior Audit and Controls Specialist (Commercial Banking) - Meridian Credit Union - Remote   
Experience with equipment leasing or lease financing would be considered an asset. Purpose of the Job:....
From Meridian Credit Union - Wed, 05 Apr 2017 20:00:16 GMT - View all Remote jobs
          Account Manager - RBC - Assiniboia, SK   
Proactively engage with clients in all areas of the branch and in the community, uncovering banking needs, providing help and advice, as well as identifying...
From RBC - Thu, 22 Jun 2017 22:43:40 GMT - View all Assiniboia, SK jobs
          Manager, Commercial Banking - CIBC - Concord, ON   
To learn more about CIBC and the CIBC Group of Companies please visit. What CIBC Can Offer You. CIBC is a leading Canadian-based global financial institution....
From CIBC - Fri, 30 Jun 2017 07:42:46 GMT - View all Concord, ON jobs
          Programme Director   
A global payments company has a great opportunity for a Programme Director with a unique combination of intellectual curiosity, attention to detail, project management expertise (art vs. science) and a deep understanding of payments, mobile technology, processing, banking systems and consumer ...
          Sopra Banking Software: Product Solution Consultant   
£40000 - £54000/annum Competitive salary & benefits: Sopra Banking Software: Sopra Banking Software are recruiting experienced Solutions Consultants who will work with our customers on the implementations of our software. After a period of training on our systems, you will be based predominantly on our customer sites, and these ar Sheffield
          (USA-MS-Jackson) Financial Services Specialist - Fondren   
Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored for a set period of time. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the Financial Services Specialist is viewed internally as the subject matter expert in the areas of branch sales and service. As the service specialist, you will meet with customers and prospects to determine their banking and financial services needs, and meet those needs by proactively matching and selling or cross-selling appropriate products and services. This is a sales and service position with individual and branch sales goals. The successful candidate should have excellent customer service and communication skills, along with the ability to work under busy conditions with a high attention to detail. This position requires the tracking of time and is eligible for overtime under the non-exempt FLSA classification for hours worked in excess of 40 per week. Primary Responsibilities •Meet and exceed branch sales quotas by identifying customer needs and providing appropriate products and services •Refer customers to other lines of business when additional financial needs are recognized •May resolve customer issues either through direct action or referral to alternative branch or bank resources This position is incentive eligible. Requirements •High school diploma or GED •Sales experience •Expected to obtain an insurance license within 12 months and maintain continuing education for licensing education •Platform assessment This position requires registration with the national Mortgage Licensing System and Registry (NMLS). Please refer to (http://mortgage.nationwidelicensing.org) for more information. Skills and Competencies •Basic computer skills •Excellent communication skills •Stellar customer service skills •Ability to work under busy conditions with high attention to detail Preferences •Minimum of one year sales experience •Banking / Financial background **Location:** Jackson, Mississippi EEO/AA/Minorities/Females/Disabled/Veterans **About Regions** At Regions, our culture focuses on five core values that are a commitment to how we will do business: + Put people first + Do what is right + Focus on your customer + Reach higher + Enjoy life Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering. EEO/AA/Minorities/Females/Disabled/Veterans
          (USA-MS-Jackson) User Support Analyst I 9805 / Jackson   
This position is for a User Support Analyst I with a bank location in Jackson, MS. Will be a central point for all employees to call for reporting problems for 3270 mainframe applications and hardware, PC applications and hardware, data and voice communications, and IT security onboarding.Duties and Responsibilities include: Answers questions and fixes problems dealing with Voice/Data Communications; Answers questions and fixes problems dealing with maintaining the Security Systems; Answers questions and fixes problems dealing with: PC Hardware, Printing-Questions and Problems, Teller System, PC Software, passwords, dealing with Host Applications.Requirements and Qualifications include: High school education or equivalent; Working knowledge of Microsoft Office Products, Lotus Notes, BRIDGE, Windows 7, Windows Server 2008, Atlas Sales and Service, and Atlas Teller; Overall Knowledge of all major banking applications, with a good knowledge of at least 1 or more applications; Analytical skills; Oral and written communication skills; Customer service; Advanced computer skills.
          (USA-MS-JACKSON) Senior Consultant - Information Security and Forensics, Legal Technology Solutions - Remote Locations   
Navigant Consulting, Inc. (NYSE: NCI) is a specialized, global professional services firm that helps clients take control of their future. Navigant’s professionals apply deep industry knowledge, substantive technical expertise, and an enterprising approach to help clients build, manage and/or protect their business interests. With a focus on markets and clients facing transformational change and significant regulatory or legal pressures, the Firm primarily serves clients in the healthcare, energy and financial services industries. Across a range of advisory, consulting, outsourcing, and technology/analytics services, Navigant’s practitioners bring sharp insight that pinpoints opportunities and delivers powerful results. More information about Navigant can be found at navigant.com. Our Information Security (IS) Services Practice is a rapidly growing part of the Legal Technology Solutions Segment of our business. Our professionals help our clients address their critical information security challenges, including incident investigation/response, as well as assessing and reducing information security risks. Navigant is a preferred provider of data management and analysis services to law firms and corporate legal teams associated with government investigations, internal investigations and complex litigation. Navigant has advised and supported clients on numerous types of matters including banks addressing regulatory investigations, banking class action litigation matters, TCPA litigation, healthcare insurer class action litigation, healthcare regulatory investigations, data breach response and other litigation, regulatory and management consulting matters. + **This role can be based in any of the following locations: New York, NY; Washington, DC; Remote Locations.** + Participate in security incident investigations that involve computer crimes and require log, forensic and malware analysis + Collect and analyze intrusion detection system alerts, firewall logs, network traffic logs and host system logs to evaluate whether unauthorized access or information ex-filtration occurred + Perform forensic analyses to identify the presence of any malware, malware capabilities/actions and what actions the malware took + Conduct security investigations in Linux and/or Windows environments + Provide input into client communications, both written and oral, related to analyses performed for senior level review + Approximately3 to 7 years of experience working in the Incident Response space + Understanding of how to communicate effectively and concisely with high level management and C-suite clients + Ability to approach projects both from a long-range and immediate view + Experience working with non-Windows programs (such as Linux, Unix, Mac) + Scripting/programming experience (specifically Python, C#, VBA, or Shell) + Experience working on projects in an investigatory capacity – either law enforcement or incident response + Strong desire to work on a team in a collaborative environment to achieve common goals + Ability to correlate events from multiple sources to create a timeline analysis across end points of an incident + Exceptional organizational skills, to include detailed note taking abilities + Passion for the sport of Incident Response, and a desire for continuous improvement in expertise + _Desired Qualifications_ + Understanding of how to leverage existing security applications and appliances to address a compromise or malware/ransomware outbreak + Experience working with Enterprise networks (specifically CCNA/CCNP security) + Understanding of how to take malware apart from a virtual machine, dynamic malware analysis, and reverse engineering perspective + Memory analysis skills a plus + Understanding of mitigation and clean-up strategies + Proficient in log analysis of multiple types + Ability to analyze complex network packet captures + Undergrad or Master’s Degree in Computer Science/Cyber Security/MSIS or equivalent work experience + Strong conceptual, as well as quantitative and qualitative analytical skills + Work as a member of a team as well as be a self-motivator with ability to work independently + Constantly operates a computer and other office equipment to coordinate work + Frequently travels by airplane, train or car as necessary to perform work at another location + Regularly uses close visual acuity and operates computer equipment to prepare and analyze and transmit data + Generally works in an office environment The company offers competitive compensation packages including an incentive compensation plan, comprehensive medical/dental/life insurance, 401(k) and employee stock purchase plans. **_Navigant does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Navigant and Navigant will not be obligated to pay a placement fee._** **Navigant** is an Equal Employment Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, ancestry, citizenship status, military status, protected veteran status, religion, creed, physical or mental disability, medical condition, marital status, sex, sexual orientation, gender, gender identity or expression, age, genetic information, or any other basis protected by law, ordinance, or regulation.
          Sales & Svc Supp - non client - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: Premium Acquisitions Grade: 8 Location: Delhi Job
From Standard Chartered Bank - Fri, 30 Jun 2017 17:36:30 GMT - View all New Delhi, Delhi jobs
          Bus Dvlpt Exec, Priority - Standard Chartered Bank - New Delhi, Delhi   
Job Function: Retail Banking Regular/Temporary: Permanent Full/Part Time: Full time Department: New Business Grade: 8 Location: Delhi Job Description
From Standard Chartered Bank - Wed, 28 Jun 2017 11:34:38 GMT - View all New Delhi, Delhi jobs
          (USA-MS-Jackson) Account Executive / Sales Manager   

Job Description

Account Executive / Sales Manager

You'll work directly with Americas self-employed, small business owners and individuals to help them access an array of innovative and affordable business and benefit solutions. Our Account Executive / Sales Managers can make a real difference in people's lives. Our trusted advisors planning can impact, and protect, families for generations. We pride ourselves on being a unified company who share our values of commitment and dedication with our clients. As a result of current economic conditions, our clients are looking for viable alternatives to their current benefit programs and the demand for our products and services has never been greater!

Account Executive / Sales Manager Requirements:

  • Excellent Communication Skills
  • Commitment to Excellence
  • High Personal Integrity and Character
  • A Passion for Helping Other People Everyday
  • Work Ethic, Self-Motivation, and a Desire to Succeed
  • Coachable and Accountable Team Player


Benefits:

  • Industry Leading Compensation and Rewards Programs
  • 65k-131k First Year Income Potential (Senior Leaders 200k+)
  • Exceptional Product Portfolio - Multiple Product Lines
  • Weekly Direct Deposit
  • Monthly and Quarterly Bonuses (up to 16 Bonuses Annually)
  • Stock Sharing Programs
  • Residual Income Streams
  • Company Generated Leads
  • Annual Awards Trip (Exotic Locations)
  • Merit Based Career Advancement
  • Professional Coaching and Mentorship

Professional Support:

You'll be armed with the tools and know how to best serve clients and take your career to the next level. In the classroom, online and in the field, our most accomplished sales professionals will teach you their most time-tested formulas that directly lead to their successes. Real support means real people backing you up. Our success depends on your success, that's why we have a super-responsive team of experts making sure every Account Executive / Sales Manager has everything they need to be at the top of their game.

Account Executive / Sales Manager position is also relevant to career seekers with various work experience such as; Sales, Marketing, Finance, Business/Office Managers, Regional and Territory Sales Managers, Real Estate and Auto Sales, Account Executives, Banking, Leasing, Financial Services, Customer Service Managers, Retail Sales, Educators, Business Graduates, Transitioning Military Personnel

Company Description

Nowhere else in America will you find a better opportunity to enjoy personal satisfaction and professional achievement... because nowhere else in America will you find a company that is more committed to your success than USHA. You will work directly with Americas self-employed, small business owners and individuals to help them access an array of innovative and affordable benefit solutions. As demands for our products continue to increase, you will advise clients on a portfolio of solutions that best fits their individual needs and budget... in one seamless package. We provide service that is fast, fair, and caring. Because the only thing better than delivering a superior product, is seeing the difference it makes in the lives of our customers.

          International Trade Bank? What?   
Originally posted on Maine Republic Email Alert:
  Judge Anna von Reitz I think there has been a misunderstanding — internationally — about the United States of America v. United States and that confusion has led to a vast confusion about banking here, too. Please let me take a few minutes to go over the situation as…
          Relationship Manager (Retail Banking) - Bank of America - Henderson, NV   
 Demonstrated ability to influence and collaborate with others outside of reporting authority to achieve shared goals....
From Bank of America - Wed, 19 Apr 2017 21:46:57 GMT - View all Henderson, NV jobs
          Banking Center President (Full Time) - Katy, Spring Green - Prosperity Bank - Katy, TX   
Monitors and reviews construction, development, and commercial loans. Monday - Friday 8:00 am thru 5:00 pm....
From Prosperity Bank - Thu, 22 Jun 2017 05:33:49 GMT - View all Katy, TX jobs
          Dismantling The ‘banking Structure' Of Ghana’s Educational System   
Education will not give one the chance to escape poverty but it will help fight poverty from one s community Julius Nyerere. Mavis Abban writes; Over the years some African scholars and critics have pointed out some anomalies in Ghana s educational system as being antiquated, primitive, colonial and backward, treating students as depo ...
          Financial Center Manager III - New Lenox - Fifth Third Bank - New Lenox, IL   
Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education,...
From Fifth Third Bank - Wed, 28 Jun 2017 23:12:49 GMT - View all New Lenox, IL jobs
          MAIDEN MARC ASSOC LTD: International Banking Headhunter for Grad/Second Jobber - £40,000 to £60,000 OTE   
Basic of £20,000 (raising over year one) and genuine OTE of £40,000 to £60,000 : MAIDEN MARC ASSOC LTD: Maiden Marc Associates are currently working with an exciting, international Investment Banking and Asset Management headhunting firm who are curre... London, New York, Hong Kong and Dubai
          Dividendentitel: Wichtiger Bestandteil für die langfristige Vermögensanlage   
Dax-30-Unternehmen knacken die 30-Milliarden-Euro-Marke Auf dem Aktienparkett herrscht Erntezeit: Dieses Jahr bringt den Aktionären Rekordausschüttungen. Allein für die im DAX 30 enthaltenen Unternehmen wird mit einem Ausschüttungsvolumen von rund 32,2 Milliarden Euro gerechnet, verglichen mit 26,3 Milliarden Euro vor fünf Jahren. "Seit dem Jahr 2010 konnten die Unternehmen ihre Ausschüttungshöhe um mehr als 60 Prozent steigern", so Andreas Bloch, Leiter des Private Banking der Nassau
          Relationship Manager (Retail Banking) - Bank of America - Henderson, NV   
As part of our team, you will have access to industry leading solutions and a team of dedicated product specialists – all designed to meet the unique life...
From Bank of America - Wed, 19 Apr 2017 21:46:57 GMT - View all Henderson, NV jobs
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Assist the Company in accomplishing our vision: to satisfy all of our customers’ financial needs, to help them succeed financially, to be the number one...
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          TeensLoveAnal – Sarah Banks – Big Booty Banking   

The post TeensLoveAnal – Sarah Banks – Big Booty Banking appeared first on Live Porn - Free Porn.


          Warren Buffett's Berkshire Hathaway to become Bank of America's largest shareholder - USA TODAY   

USA TODAY

Warren Buffett's Berkshire Hathaway to become Bank of America's largest shareholder
USA TODAY
Warren Buffett is bullish on banks. Berkshire Hathaway, the investment conglomerate controlled by the billionaire, plans to spend $5 billion to buy 700 million shares of Bank of America next quarter, exercising its warrants to become the bank's largest ...
Warren Buffett's Bank Of America Rescue Was His Crisis-Era MasterpieceForbes
Warren Buffett just made a quick $12 billion on a clever Bank of America investmentCNBC
Buffett's company to become Bank of America's top shareholderReuters
Charlotte Observer -Chicago Tribune -Business Insider -PBS NewsHour
all 224 news articles »

          Online Marketing Specialist munkakörbe keresünk munkatársat. | Feladatok: Set up and implement ...   
Online Marketing Specialist munkakörbe keresünk munkatársat. | Feladatok: Set up and implement Online Marketing and Acquisition Strategy • Lead online acquisition regarding the whole consumer product portfolio • Plan and implement online marketing related campaigns • Improve online acquisition related processes to maximize effectiveness • Online media planning and controlling • General responsibilities: • Online campaign management • Search campaign management • Micro campaign management • Social campaign management • Website pre login management. | Elvárások: Fluent English • Bachelor degree in economics • Minimum 5 years of experience in Online Marketing • In-depth knowledge in general online marketing, especially online campaigns, SEM/SEO, website management • Experience in banking sector is an advantage • Knowledge of financial products is an advantage • Experience in working in a multinational environment is an advantage • Leadership experience is an advantage • Strong analytical attitude • Client driven thinking • Proactive personality | További infó és jelentkezés itt: www.profession.hu/allas/1039471
          Relationship Manager (Retail Banking) - Bank of America - Henderson, NV   
As part of our team, you will have access to industry leading solutions and a team of dedicated product specialists – all designed to meet the unique life...
From Bank of America - Wed, 19 Apr 2017 21:46:57 GMT - View all Henderson, NV jobs
          Regional Banking Branch Manager 1 - Wells Fargo - Morrisville, PA   
Good communication skills including speaking clearly, succinctly, and accurately while using a pleasant tone and common conversational courtesies....
From Wells Fargo - Sat, 01 Jul 2017 12:08:47 GMT - View all Morrisville, PA jobs
          The deterrence effect of whistleblowing   
Whistleblowing should improve immoral behaviour beyond the perpetrators exposed, according to standard economic theories of crime, but this has not always been the case. This column uses the example of offshore banking to examine whether whistleblowing successfully deters future immoral or criminal behaviour. Based on the evidence of the first whistleblowing event relating to tax evasion in 2008, an increase in the perceived probability of a leak should be expected to deter the demand and supply of criminal offshore banking services and reduce the earnings of offshore banks.
          Accounts Payable Analyst/Treasury - (Boston)   
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          Buy Quality COUNTERFEIT MONEY And fake Passports,Driver’s License,ID Cards,Visas.SSN (anthonymarc540@gmail.com )   

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          Caisse Cautious on London Real Estate?   
Matt Scuffham of Reuters reports, Canada's Caisse cautious on London amid Brexit fears:
Caisse de depot et placement du Quebec, one of the world's biggest real estate investors, is holding off on major investments in London real estate amid uncertainty over the impact of Britain's planned exit from the European Union.

Canada's second-biggest public pension fund has been an enthusiastic investor in Britain and earlier this year agreed to finance the expansion of London's Heathrow airport in which it is one of the biggest shareholders.

Until recently, London was one of the cities the Caisse was most committed to investing in along with New York and Shanghai.

"That is still certainly true for Shanghai, true for New York," Caisse Chief Executive Michael Sabia told Reuters in an interview on Wednesday.

However, the Caisse has turned more cautious on Britain's capital after Prime Minister Theresa May lost her majority in a parliamentary election in early June, giving her a weaker hand in negotiating Britain's exit from the EU.

"We're pretty cautious right now about making meaningful and significant investments in London real estate," Sabia said.

The Caisse has not seen any impact yet on valuations of its existing real estate portfolio in London which is primarily in high-end office buildings. However, Sabia said valuations of less desirable properties were being affected.

"The question is how far does this go, does it spread? That is why we're being careful until we have a better sense."

Sabia also said Britain's economy, which initially withstood the shock of the Brexit vote, was starting to hurt.

"I think you're going to see slowing in the UK as the reality of Brexit begins to affect decision making more, I think we're already seeing some of that."

The Caisse, which manages public pensions for retirees in Quebec, has a dual mandate both to maximise returns for depositors and support economic growth in the Canadian province.

A $1.5 billion investment in Bombardier (BA.N), headquartered in Quebec, has been slammed by U.S. rival Boeing (BA.N) as an unfair subsidy but Sabia rejected that characterisation as "absolute nonsense" on Wednesday.

KHAKI PROJECTS

Caisse is embarking this year on the construction of the world's third-biggest public transit system in its home city of Montreal, a groundbreaking project which will see the pension fund take responsibility for both the funding and construction.

The C$6 billion project, which has also received funding from the Quebec government and Canada's federal government, is seen as a test case by other pension funds which normally prefer to invest in 'brownfield' infrastructure that has already been built rather than take on the construction risk through a 'greenfield' project.

But competition for assets such as roads, bridges and tunnels that have already been built has intensified as investors look for alternatives to low-yielding government bonds and volatile equity markets.

Sabia said he believes the Caisse will have an advantage over rivals from developing the skills in-house to manage the construction of new infrastructure and wants to replicate the model in the United States and Europe if it succeeds.

He also argued that much infrastructure development falls between the two, citing Heathrow Airport, where the infrastructure is being expanded, labelling them 'khaki' projects.

"You've got to have the capacity to work across that spectrum, to have a full product offering is something that's going to differentiate yourself in the market."

The Caisse invests money on behalf of workers and retirees in the province of Quebec and Sabia admitted that there would be reputational risk if money was lost on the Montreal transit project.

"Doing things differently and some degree of innovation always comes with some risk. If those reputational issues are so big in your mind then you're condemned to live in the status quo for ever.

"In an investment world that's changing as much as we think it is changing, staying in the status quo means you're toast."
There are two parts to this article. The first deals with the effects of Brexit on the UK economy.

Swati Dhingra, Gianmarco Ottaviano, Thomas Sampson and John Van Reenen of LSE's Centre for Economic Performance published a paper, The consequences of Brexit for UK trade and living standards, which you can read here.

Their main findings are listed below (click on image):


The authors of this paper even quantified the effects of Brexit on UK livings standards under an optimistic and pessimistic scenario (click on image):


As you can see, the effects of Brexit on UK living standards are not good under both scenarios but are particularly terrible under the pessimistic scenario.

Now, these are academic studies and critics will claim they're too gloom and doom. Still, it's clear that Brexit will have an impact on trade and UK living standards, we just don't yet how this will all play out.

As far as London, the financial center of Europe, there are some diverging views among Canada's large pensions. PSP Investments, the other large pension fund in Canada, opened a London office recently which it considers its European growth hub.

However, just like Michael Sabia,  PSP's CEO André Boubonnais, is equally cautious on UK real estate and infrastructure. The latter believes London will continue to be the financial hub of Europe but he too is very cautious when it comes to making big investments in UK's private markets (PSP's main focus is on expanding private debt operations in Europe but it is looking at investments in infrastructure and real estate).

My thoughts on London? It's a global financial center just like New York and to a lesser extent Toronto. In other words, a long bear market or profound shock in the markets aren't too bullish for London, New York or Toronto.

London also houses some very large well-known hedge funds like Brevan Howard which hasn't been performing too well lately. Troubles in Hedge Fund Land don't typically bode well for commercial real estate in large financial centers but the rise of technology juggernauts has helped ease the burden of relying too much on financial firms.

Anyway, the Caisse's real estate subsidiary, Ivanhoé Cambridge, is among the biggest and best real estate investors in the world so I'm confident they know what they're doing when it comes to their decision to be more cautious in terms of London real estate.

As far as the second part of the article, it deals with Michael Sabia's baby, the C$6 billion Réseau électrique métropolitain (REM) project. I recently discussed my thoughts on this project when I went over Ontario Teachers' new infrastructure approach, stating this:
[...] this is one approach. Another approach is what the Caisse is doing now with its massive REM project, which is a purely direct greenfield project. The Caisse got a loan from the Quebec government and will receive money from the federal government too, but what Macky Tall and his team are doing in Montreal is unlike anything any large Canadian pension is doing in infrastructure.

[Note: The Caisse de dépôt et placement du Québec just received confirmation of a $1.283-billion investment, by the Government of Canada and Prime Minister Justin Trudeau, in the Réseau électrique métropolitain (REM) project.]

I just finished covering the International Pension Conference of Montreal and PSP's fiscal 2017 results where I noted that PSP's CEO André Bourbonnais is concerned about investor complacency and rightfully warned institutional investors are underestimating valuation and regulatory risks of infrastructure, mistakenly looking at these investments as a substitute for bonds.

In a private conversation with me at last year's pension conference, Leo de Bever, AIMCo's former CEO, told me he thought some of the infrastructure deals were being priced at "insane levels". I can't tell you which deals he mentioned (will let you guess), but he did add this: "what the Caisse is doing with this greenfield infrastructure project is truly innovative and can pay off in a huge way if they get it right."

I agree. There is no large pension in the world which is doing anything close to what the Caisse is doing in terms of a purely direct major greenfield infrastructure project where it controls everything from A to Z.

In order to do this project, CDPQ Infra went out and recruited people with the requisite skill-sets, people with operational experience developing and managing mammoth greenfield projects (not just MBAs and dealmakers but engineers with MBAs who worked at large construction engineering companies like SNC Lavalin and elsewhere).

This is why I was so disappointed to learn that the new Canadian Infrastructure Bank will be based in Toronto. I respect Jim Leech but in my humble opinion, Montreal, not Toronto, should have been the first and only choice as the headquarter this new federal infrastructure bank and I would have placed someone like Bruno Guilmette, PSP's former head of Infrastructure or someone else I know well as the head of this bank (I'm getting a bad feeling that this new infrastructure bank is going to be staffed by the wrong type of people).
In my opinion, Toronto was chosen as the headquarters of the new federal infrastructure bank because it is the financial epicenter of Canada and all the big pension funds are based there. Still, this decision irks me because Montreal needs a new federal Crown corporation based here (apart from the BDC) and we have plenty of infrastructure expertise that Toronto doesn't have. The Caisse's REM project is a testament to such world class expertise.

Anyway, even if it's headquartered in Toronto, hopefully they will staff this new infrastructure bank with the right people, not just a bunch of cowboy dealmakers.

[Note: A friend of mine reminded me that Toronto has the best infrastructure fund in the world, "it's called Brookfield and they are eons ahead of everyone else." Good point.]

Once again, if you have any thoughts on this comment or want to add anything, feel free to email me your thoughts at LKolivakis@gmail.com and I will be glad to post your comments.

Below, Lindsey Naylor on the macroeconomic impact of Brexit on the domestic economy, and the importance of regulatory matters in sustaining the ability of UK-based firms to face European clients.
Ms Naylor was speaking at the LSE Growth Commission’s Evidence Session on Finance and the City of London held at the Army and Navy Club on 6 December 2016. She is Partner in Oliver Wyman’s Global Corporate & Institutional Banking practice.

And on June 15, 2017, in Montreal, Prime Minister Justin Trudeau, Quebec Premier Philippe Couillard, Montreal Mayor Denis Coderre, and Michael Sabia, President and CEO of the Caisse discussed the federal government’s investment in Montreal’s Réseau électrique metropolitan (REM) light-rail network. Following the announcement, the prime minister, premier, and mayor respond to questions from reporters (in both French and English). You can watch it here.

Lastly, André Bourbonnais, president and CEO of PSP Investments, joins Bloomberg TV Canada’s Lily Jamali to discuss opportunities in the private debt market and his plans to expand globally. Listen carefully to his views on London, this is a great interview.



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QUALITY ASSURANCE MANAGER - BANKING - FINANCIAL SERVICES - CONTRACT - GLOUCESTER/BRISTOL LOCATION An opportunity for an experienced Quality Assurance Manager (QA Manager) to join a leading banking group based in either Gloucester or Bristol. The role requires the QA Manager to establish QA procedures and quality standards and s..
          Market Risk Analyst   
My client, a top-tier bank based in London, are looking for a Market Risk Analyst to specifically work in Commercial Banking to support the Ring Fencing & Resolution Programme. The additional contractor will be required to meet the additional project and change related demands from a Market Risk Reporting perspective.Essenti..
          Japanese speaking Financial Administrator x 2   
IT Financial Administrator x 2 c. 50k base + bonus + Benefits Excel/Japanese language skillsCentral London Banking As a highly established and trusted approved IT recruitment partner to this International banking group we have been asked to identify two Financial Planning Administrators to assist with the financial reporting for..
          The Central Bank Economic Structure Is Being Unwound In Preparation For The Reset   
 UMich consumer sentiment is in decline as more and more people do not see the economy improving. Illinois, Connecticut and 14 other states are all facing the same problem, not enough funds and big bills, this will not end well. The EU banking system is worse than we originally thought and what...

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          Gemalto introduces fraud prevention solution for banks   


Marwan Elnakat, Gemalto digital banking solutions manager for Africa and Middle East. Digital securi...


           Iceland battens down hatches, cooling investor inflows amid volcanic growth    
Most capital controls from the 2008 banking crisis were lifted in March allowing money to flow in and out of the country more freely
          Central Banking Senior Rep - Mechanics Bank - Hercules, CA   
Process and Balance Cash Vaults. In addition, you will handle cash vault processing, balancing and account maintenance....
From Mechanics Bank - Thu, 11 May 2017 22:27:55 GMT - View all Hercules, CA jobs
          Part Time Personal Banking Consultant - Lakeland Bank - Vernon, NJ   
Responsible for daily balancing of teller cash drawer, cash reconciliations and transfers to vault, TCR, TCD, ATM, and coin machine....
From Lakeland Bank - Fri, 23 Jun 2017 18:36:16 GMT - View all Vernon, NJ jobs
          CARA DEPOSIT / BELI PULSA BELANJA ONLINE E L I F E   
CARA ISI DEPOSIT ATAU BELI PULSA BELANJA ONLINE UNTUK NOMOR HP KAMU.
Bonus/komisi klik PTC 3 LEVEL ini sebenarnya adalah berupa eWallet atau akrab dipanggil PULSA E L I F E yang sakti mandraguna, bisa berubah jadi duit, pulsa HP, token/pulsa listrik, laptop,tab android, notebook, bedak, baju, jamu, gincu, sepatu,cukil untu, asuransi, tiket online, dan lain-lain...... yang tersimpan di nomor HP Kamu....
Canggih to? hehe

Yang Kamu ikuti sekarang  ini adalah komunitas pemilik nomor HP seluruh Indonesia ( Komunitas e l i f e, pengembangan dari M - T r o n i k ).
Bisnis PTC/klik iklan hanyalah sebagian dari servis bagi member komunitas e l ip.
Member yang mau naik kelas jadi bisnismen, jadi pemasar produk, kudu bayar mainTENANce Fee (sewa kios VIP 10rb/bln), modal / stok barang yang nanggung perusahaan. Kamu cukup memasarkan dan dapet untung/bagi hasil. Maka dr itu member baru mau ikut bisnis kudu beli deposit dullllu.... :)
Berhubung tidak semua pemasar pandai berjualan, untuk mengantisipasi kerugian member, perusahaan mencari sponsor/pengiklan agar bisa memberi PROGRAM ANTI TEKOR pada pemasar yang kesepian di kios (dagang gak laku). HADIRLAH FASILITAS PTC / KLIK IKLAN DI BAYAR.... ini yang saya incar.., bahkan komisi pemasaran malah tak nomor duakan..... sssssstttt........ :-= hehe ;)

Menurut Kang Malik, Member Komunitas e l i f e ini dibagi menjadi 4 :

  1. Member KONSUMEN (sekedar pengguna pulsa belanja, pembeli produk,dll)
  2. Member BISNISMEN (pemburu komisi pemasaran/afiliasi, clickers/klik iklan, dll)
  3. Member KOBIS/konsumen+bisnismen (definisikan sendiri! hohhow... :D )
  4. Member NARSIS (buat gaya-gaya-an tok, ikut2an tok, biar dibilang gaul, "Gaul nih  NOPE gue... bisa di isi pulsa ajaib men....". Padahal kosong mlompong, mau belanja ga punya deposit, diajak bisnis malesnya amit-amit. wkwkwkwkwkwk paiiiiiiiiiittttttt....  :D )
Sekilas sudah saya gambarkan, mari kita menginjak-injak sesi inti (cara deposit) .....

eW all et adalah dompet atau account anda di e Li fe yang otomatis terbentuk saat anda terdaftar sbg Member di eLife.
No Account anda adalah : 8998 + No HP yang terdaftar di eLife.
eWallet ini berfungsi sebagai berikut :
  • Penampung dana yang anda tranfer untuk berbelanja di e L i f e
  • Penampung Bonus yang anda dapatkan di e L i f e
Untuk mengisi e Wallet dapat dilakukan dgn beberapa cara, yaitu :
a. Melalui ATM Bersama/BCA/Prima/Alto
  • Masukkan kartu ATM anda
  • Pilih Bahasa yang digunakan
  • Masukkan PIN anda
  • Pilih Nominal yang akan di transfer
  • Pilih menu transfer
  • Pilih Menu Transfer antar Bank
  • Masukkan kode Bank Sinarmas : 153
  • Masukkan No Rekening Tujuan yaitu 8998 + No HP anda yang terdaftar di e-Life.
  • Setelah itu anda diharuskan menunggu beberapa saat sampai muncul menu konfirmasi di layar berisi nominal transfer,no rekening tujuan dan nama anda e-Life QQ nama anda serta nomor Referensi.

b. Melalui Internet Banking / Mobile Banking
  • Masuk ke Menu Mobile Banking atau Internet Banking anda
  • Pilih Menu Transfer
  • Pilih Menu Transfer Antar Bank
  • li>Masukkan kode Bank Sinarmas : 153
  • Masukkan nominal Transfer
  • Masukkan No Rekening Tujuan yaitu 8998 + No HP anda yang terdaftar di e-Life.

c. Melalui TranSfer dari Member lain
Anda bisa melakukan transfer eWallet antar sesama anggota eLife. Dengan cara : 
TD.No Hp tujuan.nominal.password

Contoh,
TD.081512345678.100000.1234


d. Melalui Kantor POS seluruh Indonesia.
  • Pastikan Kantor Pos tempat anda menyetorkan deposit telah Online dan mendukung aplikasi SOPP POS. (bisa ditanyakan ke petugaskantor pos tersebut)
  • Setoran deposit Vnet e-Life yang dapat dilayani di outlet POS adalah setoran tunai minimal Rp. 10.000,-
  • Petugas loket akan menanyakan kode perusahaan, maka anda menjawab VNET
  • Petugas loket akan menanyakan nomor anggota anda, nomor hp yang terdaftar di e-Life,serta nama anda
  • Penyetor memberikan uang setoran sebesar jumlah deposit yang disetorkan kepada petugas loket
  • Penyetor menerima resi lembar-1 (lembar putih) yang telah ditandatangani Petugas Loket dan dicap tanggal sebagai bukti setoran yang sah dari petugas loket
  • Setoran deposit yang sudah tercetak pada resi tidak dapat dibatalkan
  • Setoran deposit melalui loket Kantor Pos dikenakan biaya administrasi Rp 3.500,- per transaksi yang akan dipotongkan langsung dari uang setoran deposit penyetor.
Contoh:
Jika Anda melakukan transaksi setoran deposit ke Vnet sebesar Rp 100.000,- melalui Realtime SOPP Kantor POS, maka yang masuk menjadi deposit anda adalah Rp 96.500,-

Oleh :
Kang Malik
"tim 1001"


.











MESKI BELUM SEMPAT / BELUM KEPIKIRAN JADI KONSUMEN ATAU BISNISMEN E L I F E , KANGMALIK SARANKAN>>> SEGERALAH www.DAFTAR.kan.su DAN MENDAFTARKAN ORANG LAIN SEBANYAK-BANYAKNYA!
MEMBANGUN JARINGAN KOMUNITAS ITU PERLU.
MENCURI START ITU PERLU
KESEMPATAN ADALAH KESEMPATAN

.

          Mid Year 2017 Portfolio Review   
My portfolio is up 15.75% for the first six months of 2017, pulling up my since inception IRR to 23.74%, and comfortably ahead of the S&P 500's 9.34% gain so far this year.  Significant winners have been Tropicana Entertainment, MMA Capital, Pinnacle Entertainment and Resource Capital, the only significant loser has been New York REIT.
Closed Positions:
  • ILG Inc (ILG): In hindsight, this was one of my favorite special situations of the past several years.  ILG (f/k/a Interval Leisure Group) had entered into a reverse morris trust transaction with Starwood prior to the announcement of Starwood's merger with Marriott, thus those that wanted to play the merger arb on the Starwood/Marriott transaction had to short out both Marriott and ILG against Starwood creating an uneconomic selling pressure on ILG's shares.  Since the deal has closed, ILG has run up well over 100%, I unfortunately sold a little too soon in the low $20s as ILG is now being bid up under speculation of a merger with Marriott Vacations Worldwide (VAC).  I'll be looking closely for ideas like this in the future, something similar was the Dell buyout of EMC/VMWare which created a coiled spring in VMWare stock that's caused the DVMT tracker to do very well too.
  • Actelion (ALIOY):  The Actelion/J&J deal closed and the development stage biotech company that was created out of the merger, Idorsia, has done very well too.  I bought the unsponsored ADR, there was a short week or two there when the shares dropped and people started speculating on why and if withholding taxes were going to be an issue, I got scared out of my position, ended up making a small amount of money but left some on the table.
  • CSRA (CSRA):  CSRA is the government services spinoff of CSC, with CSC I had the right idea at the time of the spinoff, CSC was setup to be sold and it was earlier this year when it merged with a division of HP Enterprises in a reverse morris trust to create DXC Technology (DXC).  I haven't spent much time on DXC, but CSC turned out to be the better side of the CSC/CSRA split.   I ended up selling CSRA earlier this spring in a slight fit as I didn't realize pension income was being included in their "adjusted" EBITDA figure they were presenting.  It caused the shares to look artificially cheap compared to peers and I just missed it, lesson learned.
  • WMIH Corp (WMIH):  The white whale of NOL shells, with over $6B in NOLs and apparently no dance partner in sight, it appears like the company's sponsor KKR is unable to find a deal that makes sense, they can walk in January, and will likely use that as leverage to strike an even more advantageous deal with WMIH.  If a deal does happen in the meantime, there still could be money to be made after but I don't see a reason to wait around any longer.
Previously Unmentioned New Positions:
  • Miramar Labs (MRLB):  Miramar Labs is another CVR opportunity, and even smaller than the others mentioned on the blog, but they make a medical device that's used to reduce underarm sweat and hair.  It's more of a elective beauty and/or lifestyle product that is sold to plastic surgeons, spas, etc, and its treatments are paid in cash and not processed through insurance companies.  Sientra (SIEN) is buying Miramar for $0.3149 per share upfront and $0.7058 per share in contingent payments for a total just over $1.02 per share.  The contingent payments are a little unique, where the milestone is a cumulative net sales number with no deadline.  Unlike the other CVRs that rely on an FDA approval, here Miramar already has an approved and commercialized product, so unless the sales flop going forward, the payout should occur, its just a matter of when.  The big payout is for $80MM in sales, Mirmar did $20MM in sales last year, but they're seeing some growth, I'm modeling out a 3-3.5 year timeframe to hit the milestone payment which at current prices of around $0.55 per share generates a pretty nice IRR.  Thanks to @yolocapital on Twitter for pointing it out to me.
  • Sound Banking Company (SNBN):  Sound Bank is a tiny North Carolina based community bank that is being acquired by another small bank but with high growth ambitions, West Town Bancorp (WTWB).  There are many small bank mergers happening, if I was less capital constrained, or had a lower risk mandate I'd probably be diving head first into more of these as the spreads are fairly wide for what should be low risk deals.  West Town Bancorp is offering $12.75 in cash or 0.6 shares of WTWB for each share of SNBN.  With SNBN currently trading at $13.40, you could create shares of WTWB for $22.33 when they currently trade for $24.45.  There is a cap on the cash/stock consideration, so proration is likely with the stock trading over the $12.75 cash payout, but it still seems/seemed like a good bet, the merger is expected to close in the third quarter.
  • Interoil Corp (IOC) Contingent Resource Payment:  I got bored and ended up trying this CRP/CVR the day or two before the merger with Exxon Mobil was completed, no view on how much natural gas is actually in PNG, so its a pure speculation that should be decided in the next quarter.
Current Holdings:
I added a little money earlier this year, the performance figures take that properly into account.

Disclosure: Table above is my blog/hobby portfolio, its a taxable account, and a relatively small slice of my overall asset allocation which follows a more diversified low-cost index approach.  The use of margin debt/options/concentration doesn't represent my true risk tolerance.

          BankIowa Customer Service Number, Toll Free Helpline Number, Office Address   

Contact Phone Number Address
Contact Phone Number Address - Find addresses, phone numbers & more

BankIowa customer service number, office address, telephone number, fax number, customer care contact number, email address and official website is listed here with the corporate headquarters of BankIowa, customer service helpline number of BankIowa, customer service phone number of BankIowa and BankIowa postal or mailing office address. BankIowa is a leading banking, insurance and financial ...

The post BankIowa Customer Service Number, Toll Free Helpline Number, Office Address appeared first on Contact Phone Number Address.


          FINAL SEEK THE LORD BECAUSE THESE BANKING FAMILIES ARE GOING TO DEMONIZE THE TRUTH FROM COMING OUT.mp4   
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          Client Advisor - RBC - Sundridge, ON   
We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance,...
From RBC - Fri, 30 Jun 2017 19:20:40 GMT - View all Sundridge, ON jobs
          Financial Solutions Advisor - Bank of America - Burlington, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Thu, 04 May 2017 20:59:36 GMT - View all Burlington, NC jobs
          Financial Solutions Advisor- Central Valley Areas - Bank of America - Canyon Country, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 04:36:33 GMT - View all Canyon Country, CA jobs
          Financial Solutions Advisor- North Orange County/LA Areas - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 01 Jun 2017 02:28:14 GMT - View all Hawthorne, CA jobs
          Financial Solutions Advisor- North Orange County/LA - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Tue, 02 May 2017 23:03:43 GMT - View all Hawthorne, CA jobs
          Financial Solutions Advisor- South Orange County Areas - Bank of America - Irvine, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 23:35:25 GMT - View all Irvine, CA jobs
          Financial Solutions Advisor- South Orange County Areas - Bank of America - Newport Beach, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 23:35:10 GMT - View all Newport Beach, CA jobs
          Financial Solutions Advisor - North Hialeah Financial Center - Bank of America - Hialeah, FL   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Fri, 26 May 2017 03:22:12 GMT - View all Hialeah, FL jobs
          Financial Solutions Advisor - Bank of America - Cary, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
From Bank of America - Tue, 09 May 2017 18:42:11 GMT - View all Cary, NC jobs
          Float Teller - Huntington - Arlington, OH   
You will be provided opportunities to develop your skills in building relationships with customers but also learn about the different areas of banking....
From Huntington Bank - Thu, 22 Jun 2017 22:03:37 GMT - View all Arlington, OH jobs
          Political families own half of private wealth   
(From L to R) Daniel Moi – The man who was President for 24 years has business interests in banking, media, hotel and tourism, manufacturing, airline and education. Mama Ngina Kenyatta – The family of founding father Jomo Kenyatta has investments in land, manufacturing, real estate, energy and banking. Simeon Nyachae – The former Cabinet
          Syndicate Operations Director - Institutional Securities Group - Requisition #:   
Morgan Stanley is a leading global financial services firm providing a broad spectrum of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture.
          Senior Syndication Consultant (open location)   
Required ID: 29201 Areas of Interest: Commercial Banking, Syndications BOK Financial (BOKF
          The Economist: Digital highlights, June 4th 2011   
Talking TurkeyThe AK party is on course for a third consecutive win in Turkey&#39;s election on June 12th. Our interactive guide gives details of the parties, the questions facing the electorate (including the role of the army), and maps showing population density and previous election resultsCompetitive bankingCompetition between banks might make financial stability harder to achieve. But there is still a lack of theoretical argument or empirical evidence to show whether having a large number of smaller banks would strengthen or weaken the financial system. Join the debateTea with ThaksinThaksin Shinawatra was prime minister of Thailand from 2001 until his ousting in a military coup in 2006. He now lives in exile in Dubai, from where he is backing the main opposition party, Pua Thai, in the run-up to elections in July. He spoke to us about his role in Thai politics todayUnited States: Emotion, reason and policySentiment dominates judgment so thoroughly that even Kant would have had a hard time writing dispassionate public policyUnited States: Considering Rick PerryThe governor of Texas is mulling a run for the Republican nominationBritain: The best hope for the underclassA debate on the left offers a backhanded endorsement for the Big SocietyAsia: The high cost of lendingA Chinese tycoon in Inner Mongolia who set himself on fire in April left behind almost $200m in ...
          Apply Now – Stanbic IBTC Bank Recruitment for Data Processing Officer   

Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa’s financial system for 150 years, and now spans 16 countries across the African continent. We are recruiting to fill the position below: Job Title: Data Processing Officer Job ID: 24537 Location: Lagos Island Job Sector: …

The post Apply Now – Stanbic IBTC Bank Recruitment for Data Processing Officer appeared first on NaijaInformation.


          Bilingual Credit Effectiveness Review Associate - RBC - Canada   
You will be responsible for day to day credit risk mitigation and post loan reviews for Credit Adjudication, Canadian Banking Retail and Small Business...
From RBC - Thu, 22 Jun 2017 22:43:58 GMT - View all Canada jobs
          Personal Banking Specialist - ATB Financial - Trochu, AB   
Provide relevant needs-based advice to our customers by understanding their goals and priorities. Your customers would describe you as the most committed,...
From ATB Financial - Wed, 24 May 2017 18:58:52 GMT - View all Trochu, AB jobs
          sold house   

Photo of something summery.


sold house

3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white
          Ancient wooden door in Khiva, Uzbekistan   

Photo of something summery.

<br>sold house<br> <br>3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white

ancient, asia, detail, door, khiva, ornament, pattern, travel, uzbekistan, wood
          Young woman on floor with notebook   

Photo of something summery.

&lt;br&gt;sold house&lt;br&gt; &lt;br&gt;3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white<br> <br>ancient, asia, detail, door, khiva, ornament, pattern, travel, uzbekistan, wood

18-19 years, Brazilian Ethnicity, Image Created 2000s, Image Created 21st Century, Latin American and Hispanic, Mixed race person, One Person, One Young Woman Only, Only Young Women, Studio Shot, Young Women, adult, arm, black hair, brasilian, brown eyes, caucasian, color, desaturated, ethnic, female, hiding, image, indoors, multi-etnic, multi-racial, people, portrait, sitting, slim, small, square, straight hair, studio-shot, women, young adult
          book and stethoscope   

Photo of something summery.

&amp;lt;br&amp;gt;sold house&amp;lt;br&amp;gt; &amp;lt;br&amp;gt;3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white&lt;br&gt; &lt;br&gt;ancient, asia, detail, door, khiva, ornament, pattern, travel, uzbekistan, wood<br> <br>18-19 years, Brazilian Ethnicity, Image Created 2000s, Image Created 21st Century, Latin American and Hispanic, Mixed race person, One Person, One Young Woman Only, Only Young Women, Studio Shot, Young Women, adult, arm, black hair, brasilian, brown eyes, caucasian, color, desaturated, ethnic, female, hiding, image, indoors, multi-etnic, multi-racial, people, portrait, sitting, slim, small, square, straight hair, studio-shot, women, young adult

background, black, blue, book, cardiac, cardiology, closeup, device, diagnosis, diagnostic, diary, disease, education, emergency, equipment, exam, examination, health, healthcare, hear, heartbeat, hospital, instrument, isolated, listen, lung, measurement, medical, medicine, metal, profession, professional, pulse, reflection, research, science, scientific, stethoscope, test, tint, tool, treatment, white
          Seat overlooking deep ford in Shilton Oxford   

Photo of something summery.

&amp;amp;lt;br&amp;amp;gt;sold house&amp;amp;lt;br&amp;amp;gt; &amp;amp;lt;br&amp;amp;gt;3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white&amp;lt;br&amp;gt; &amp;lt;br&amp;gt;ancient, asia, detail, door, khiva, ornament, pattern, travel, uzbekistan, wood&lt;br&gt; &lt;br&gt;18-19 years, Brazilian Ethnicity, Image Created 2000s, Image Created 21st Century, Latin American and Hispanic, Mixed race person, One Person, One Young Woman Only, Only Young Women, Studio Shot, Young Women, adult, arm, black hair, brasilian, brown eyes, caucasian, color, desaturated, ethnic, female, hiding, image, indoors, multi-etnic, multi-racial, people, portrait, sitting, slim, small, square, straight hair, studio-shot, women, young adult<br> <br>background, black, blue, book, cardiac, cardiology, closeup, device, diagnosis, diagnostic, diary, disease, education, emergency, equipment, exam, examination, health, healthcare, hear, heartbeat, hospital, instrument, isolated, listen, lung, measurement, medical, medicine, metal, profession, professional, pulse, reflection, research, science, scientific, stethoscope, test, tint, tool, treatment, white

Cotswold, Oxfordshire, bridge, britain, buildings, calm, cotswolds, cottages, country, deep, england, english, flood, footpath, ford, houses, outdoors, path, pond, river, road, roadway, rural, seat, shill brook, shilton, stream, street, town, travel, village, water, wet
          House keeping   

Photo of something summery.

&amp;amp;amp;lt;br&amp;amp;amp;gt;sold house&amp;amp;amp;lt;br&amp;amp;amp;gt; &amp;amp;amp;lt;br&amp;amp;amp;gt;3d, advertising, apartment, banking, building, business, buy, buyer, commercial, concept, estate, finance, financial, first, home, house, icon, illustration, isolated, living, loan, mortgage, moving, offer, open, opportunity, property, purchase, purchasing, real, red, relocation, rent, residential, sale, sign, sold, success, symbol, tag, text, value, white&amp;amp;lt;br&amp;amp;gt; &amp;amp;lt;br&amp;amp;gt;ancient, asia, detail, door, khiva, ornament, pattern, travel, uzbekistan, wood&amp;lt;br&amp;gt; &amp;lt;br&amp;gt;18-19 years, Brazilian Ethnicity, Image Created 2000s, Image Created 21st Century, Latin American and Hispanic, Mixed race person, One Person, One Young Woman Only, Only Young Women, Studio Shot, Young Women, adult, arm, black hair, brasilian, brown eyes, caucasian, color, desaturated, ethnic, female, hiding, image, indoors, multi-etnic, multi-racial, people, portrait, sitting, slim, small, square, straight hair, studio-shot, women, young adult&lt;br&gt; &lt;br&gt;background, black, blue, book, cardiac, cardiology, closeup, device, diagnosis, diagnostic, diary, disease, education, emergency, equipment, exam, examination, health, healthcare, hear, heartbeat, hospital, instrument, isolated, listen, lung, measurement, medical, medicine, metal, profession, professional, pulse, reflection, research, science, scientific, stethoscope, test, tint, tool, treatment, white<br> <br>Cotswold, Oxfordshire, bridge, britain, buildings, calm, cotswolds, cottages, country, deep, england, english, flood, footpath, ford, houses, outdoors, path, pond, river, road, roadway, rural, seat, shill brook, shilton, stream, street, town, travel, village, water, wet

adult, apron, asian, attractive, background, beautiful, cheerful, chinese, clean, cleaner, cleaning, cute, daily, domestic, dust, duster, female, fun, girl, hand, happy, holding, home, homemaker, house, housecleaning, household, housekeeping, housewife, housework, human, indoor, inside, interior, japanese, job, looking, lovely, maid, one, people, person, pink, service, smiling, sweep, wife, woman, work, young
          Trading Operations Vice President - Institutional Securities Group - Morgan Stanley - New York, NY   
Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth
From Morgan Stanley - Mon, 15 May 2017 09:26:08 GMT - View all New York, NY jobs
          Life Hacks for an Investment Banker   

Investment banking is synonymous with big pay cheques and long working hours. As soon as you start your career in it, you will realise that you are being stretched in all directions, with no time for family or friends or personal tasks. Most veterans in investment banking express that they feel they are always short-changing

The post Life Hacks for an Investment Banker appeared first on Imarticus.


          Chequing Bank Account In The Age Of Digital Banking?   
There was time when people used cheques, and used them a lot. Cheques once accounted for 86 percent... Reported by Finextra 3 hours ago.
          Customer Service Officer (Hybrid) - Dandenong Plaza   
VIC-Melbourne Region, Customer Service Officer (Hybrid) - Dandenong Plaza Dandenong Plaza Branch Part Time 32hrs. per week Retail Banking / Sales and Customer Service The arrival of Bank of Melbourne is good news for anyone considering a career in the banking and finance sector. Bank of Melbourne isn`t just another bank. Our Head Office and Customer Contact Centre are in the heart of Melbourne. Our branches and corpora
          Fed eager to tighten despite low inflation worries   

On June 14th, the US Federal Reserve (Fed) increased its policy rate for the second time this year as was widely anticipated. Less certain, however, was the path of future policy tightening in light of recent weakness in inflation.

In what came as a surprise to some, the Fed maintained its projection for a third hike in 2017 and outlined the process for a gradual reduction of its balance sheet for the first time, which is expected to begin this year. Markets have responded apprehensively, as US yields have fallen on account of being more sensitive to weaker inflation than the more hawkish Fed policy. We explore these issues in this week’s piece. Our view is that the Fed will follow through on its commitment to raise rates once more and enact balance sheet reduction in 2017.

Do the economic conditions warrant a third rate hike?The Fed’s latest summary of economic projections, released alongside its latest rate decision, reveals a mixed picture. The Fed expects a material strengthening of the labour market but a slight moderation in inflation. The unemployment rate is projected to fall from 4.7% in 2016 to 4.3% in 2017 while core inflation is forecast to dip from 1.7% in 2016 to 1.6% in 2017. Based on these estimates, the Fed’s standard rule used to link unemployment and inflation to interest rate decisions (the so-called Taylor Rule) actually suggests that two rate hikes would be appropriate in 2017.

So why then is the Fed eager to increase rates a third time? The answer lies in the Fed’s view of inflation. Core inflation has dipped in recent months from its average pace of 1.7% over October 2016-February 2017 to 1.6% in March and April. Temporary factors largely explain the deterioration and are expected to keep core inflation from rising until these effects fall out of the calculation in 2018. The weakness reflects a methodological change which reduced how cell phone costs are calculated in the consumer price index and a sharp one-time drop in prescription drug prices. Together these effects have shaved off an estimated 0.1-0.2 percentage points of core inflation. Hence, in anticipating another rate hike, the Fed is likely looking through these idiosyncratic factors. Moreover, this is corroborated by amending the Taylor Rule. Incorporating a core inflation estimate that strips out the impact of these temporary factors into the rule then reveals that three rate hikes would be appropriate for the year.

Fed eager to tighten [qatarisbooming.com].jpg

But, why does the Fed want to tighten even further, by starting to reduce its balance sheet? The Fed  announced a strategy to reduce the size of its balance sheet by allowing long-dated government and government-backed securities purchased through its multiple quantitative easing programmes to mature and their proceeds not be reinvested. In principle, this would lift the downward pressure on yields and provide the Fed with another tool through which to tighten monetary policy. While there remains considerable uncertainty over how much this will raise yields, the pace and magnitude of the proposed unwinding suggests the impact will be relatively small in 2017.

Officials announced that at first,the balance sheet will be reduced at a pace of at most USD10bn per month, with the cap rising gradually each quarter until it reaches USD50bn per month.The Fed balance sheet sits at around USD4.5tn and authorities conveyed the intent to reduce assets below current levels but not to pre-crisis levels, implying a lengthy and gradual reduction to mitigate concerns of rapid tightening.

In conclusion, the Fed appears set on tightening policy through both higher rates and reducing the size of its balance sheet. We expect the Fed to follow through on its commitments. Considering the transitory nature of the inflation weakness, the projected economic conditions warrant an additional hike and the impact of unwinding the balance sheet is unlikely to be materially felt until 2018 and beyond. Additionally, after years of failed promises to hike, we expect the Fed to be more careful in following through on its proposed action to preserve its credibility. 

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          Customer Representative - Woodstock, NB - part-time - Scotiabank - Woodstock, NB   
Scotiabank helps to build bright futures worldwide through ethical banking practices, environmental awareness and a commitment to communities....
From Scotiabank - Thu, 29 Jun 2017 18:49:52 GMT - View all Woodstock, NB jobs
          Client Advisor - RBC - Sundridge, ON   
We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance,...
From RBC - Fri, 30 Jun 2017 19:20:40 GMT - View all Sundridge, ON jobs
          (USA-KS) Sr. Field Director   
The Senior Field Director will manage individuals on the field team to create and implement a strategic plan to drive freedom-oriented policies in their community. They will supervise and train other Field Directors to recruit activists and provide a platform for volunteers through grassroots activities such as phone banking, door to door canvassing, and neighborhood events based on the organization’s strategic goals. The ideal candidate will have a background in grassroots advocacy, project management, and people management. + Create, implement, and manage a strategic plan for your communities in order to build a grassroots network with political, business, media and community leaders + Manage local budgets with integrity, honoring donor intent + Supervisor and develop team members in regards to building a strong grassroots presence to champion freedom-oriented policies in their community + Mobilize and educate grassroots activists through phone banking, door to door canvassing, and neighborhood events on state-based policy initiatives + Act as the voice of the organization by attending and speaking at local grassroots events for recruitment and education purposes + Organize and plan state and local educational rallies and other grassroots events, including the phone bank setup process and door to door canvassing + Multiple years of experience with grassroots operations and management required + Outstanding communication skills, both written and oral + Strong attention to detail and excellent problem solving skills + Ability to work independently, as well as collaboratively with state and national staff, in a fast-paced, deadline-driven, environment + Willingness to perform all duties as listed and any other duties assigned + Willingness to travel for day and overnight trips in and out of state + Proven ability to work remotely and in an office environment + Competency with Microsoft Office Suite + Integrity, humility, and an entrepreneurial attitude + A positive attitude and an earnest interest in providing good customer service to our members, partners and all state chapters + A firm commitment to advancing every individual’s right to economic freedom and opportunity through free markets + Must have valid driver’s license ID: 2017-2117 External Company Name: Americans For Prosperity Foundation External Company URL: www.americansforprosperity.org
          (USA-FL) Sr.Field Director   
The Senior Field Director will manage individuals on the field team to create and implement a strategic plan to drive freedom-oriented policies in their community. They will supervise and train other Field Directors to recruit activists and provide a platform for volunteers through grassroots activities such as phone banking, door to door canvassing, and neighborhood events based on the organization’s strategic goals. The ideal candidate will have a background in grassroots advocacy, project management, and people management. + Create, implement, and manage a strategic plan for your communities in order to build a grassroots network with political, business, media and community leaders + Manage local budgets with integrity, honoring donor intent + Supervisor and develop team members in regards to building a strong grassroots presence to champion freedom-oriented policies in their community + Mobilize and educate grassroots activists through phone banking, door to door canvassing, and neighborhood events on state-based policy initiatives + Act as the voice of the organization by attending and speaking at local grassroots events for recruitment and education purposes + Organize and plan state and local educational rallies and other grassroots events, including the phone bank setup process and door to door canvassing + Multiple years of experience with grassroots operations and management required + Outstanding communication skills, both written and oral + Strong attention to detail and excellent problem solving skills + Ability to work independently, as well as collaboratively with state and national staff, in a fast-paced, deadline-driven, environment + Willingness to perform all duties as listed and any other duties assigned + Willingness to travel for day and overnight trips in and out of state + Proven ability to work remotely and in an office environment + Competency with Microsoft Office Suite + Integrity, humility, and an entrepreneurial attitude + A positive attitude and an earnest interest in providing good customer service to our members, partners and all state chapters + A firm commitment to advancing every individual’s right to economic freedom and opportunity through free markets + Must have valid driver’s license + Experience with community development, grassroots operations and/or event planning preferable + Must have knowledge on issues affecting the local and national Hispanic community + Spanish language proficiency preferred ID: 2017-2116 External Company Name: Americans For Prosperity Foundation External Company URL: www.americansforprosperity.org
          (USA-FL) Sr. Field Director   
The Senior Field Director will manage individuals on the field team to create and implement a strategic plan to drive freedom-oriented policies in their community. They will supervise and train other Field Directors to recruit activists and provide a platform for volunteers through grassroots activities such as phone banking, door to door canvassing, and neighborhood events based on the organization’s strategic goals. The ideal candidate will have a background in grassroots advocacy, project management, and people management. + Create, implement, and manage a strategic plan for your communities in order to build a grassroots network with political, business, media and community leaders + Manage local budgets with integrity, honoring donor intent + Supervisor and develop team members in regards to building a strong grassroots presence to champion freedom-oriented policies in their community + Mobilize and educate grassroots activists through phone banking, door to door canvassing, and neighborhood events on state-based policy initiatives + Act as the voice of the organization by attending and speaking at local grassroots events for recruitment and education purposes + Organize and plan state and local educational rallies and other grassroots events, including the phone bank setup process and door to door canvassing + Multiple years of experience with grassroots operations and management required + Outstanding communication skills, both written and oral + Strong attention to detail and excellent problem solving skills + Ability to work independently, as well as collaboratively with state and national staff, in a fast-paced, deadline-driven, environment + Willingness to perform all duties as listed and any other duties assigned + Willingness to travel for day and overnight trips in and out of state + Proven ability to work remotely and in an office environment + Competency with Microsoft Office Suite + Integrity, humility, and an entrepreneurial attitude + A positive attitude and an earnest interest in providing good customer service to our members, partners and all state chapters + A firm commitment to advancing every individual’s right to economic freedom and opportunity through free markets + Must have valid driver’s license ID: 2017-2115 External Company Name: Americans For Prosperity Foundation External Company URL: www.americansforprosperity.org
          Useful facts for travel to France   

Useful facts to help you plan your visit to France Festivals Public Holidays Visas Health Language Time Electricity Weights & Measures Money, Banks etc. Emergencies Telephone, fax Post Museums and monuments Festivals Festivals, both traditional and modern (eg Avignon Theatre Festival in July) are not so plentiful as in Spain, but worth looking out for: […]

The post Useful facts for travel to France appeared first on France Travel.


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          Guest Posts Regarding the RV/GCR & More for Sat. Evening - 7.1.17   


This is a compilation of all guest posts submitted as of Saturday Evening, July 1, 2017. All guest posts that are more than 5 paragraphs in length, deemed important, contains images or is a response to another post will be considered it's own post.

Note: This post will be continuously updated with more entries as they are submitted. ~ Dinar Chronicles

Another Note: Arrangement of Guest Posts have been changed from top to bottom to bottom to top. Each newly added Guest Post will be at the top rather than at the bottom to negate having to scroll down every time. ~ Dinar Chronicles

_____________________________________________________

"8:21 EDT - Global Banking Closed..."

Entry Submitted by Angel Gee at 8:22 PM EDT on July 1, 2017


Prayers offered.
_____________________________________________________

"Re: New Identification Required in USA"

Entry Submitted by Angel Gee at 7:51 PM EDT on July 1, 2017


"New Identification Required in USA" by Connie - 7.1.17

Hey Connie,

I read your post regarding new drivers license. Do you mind sharing where you got this information from? HowWhere can we vet/validate the information? Do you have a point of reference or link giving more information?

Thank you in advance.

Humble Servant,
I Am Angel Gee
_____________________________________________________

"Dismantling the Ego"

Entry Submitted by Leslie at 7:41 PM EDT on July 1, 2017


And revealing the imposter spirit.

We are all undergoing dismantling of ego & revealing the hidden imposter spirits from false light matrix.

http://www.energeticsynthesis.com/index.php/resource-tools/news-shift-timelines/2301-revealing-the-impostor


Leslie

          "The No Fear Exchange & Truth" - One Who Knows Update 7-1-17   
One Who Knows Update - "The No FEAR Exchange & TRUTH" - July 1, 2017

https://youtu.be/Gt5id61jgQo





The No FEAR Exchange & Truth

I read some posts that expressed fear about the upcoming Exchange procedure. I remember back in the day when we were told to get a burner phone, drive a rented car, stay at a hotel overnight.. etc. While there may have been good reasons for those "Safety Moves," THOSE DAYS ARE OVER. There will be NO problems with the Exchange itself what so ever. The Bad guys have NO CHANCE to set up 800#s and fake locations and all of that. THERE IS NO WAY THAT WILL HAPPEN.

What is a Bad Guy To Do?

This is a simple answer. Since they have no chance to set up a fake exchange center, and no chance to get your money once it is in the new Financial system, they have only one option left to rob you.... get your currency BEFORE you exchange it.... Thus all the group scams that have showed up lately.

Those Who Want To Steal Your Money

Yes, there are those who want to actually STEAL money from you, but they are VERY FEW in numbers. I would say that is the LEAST Threat you Face. Why? Because they can buy a ZIM from the Internet way easier than stealing yours. So what ARE the ACTUAL Threats you face?

The CABAL Agenda

The Actual threat is the Cabal agenda of keeping you poor, or getting control of your money in some way. From what I can tell, it was a threefold plan:

#1) Keep you from buying currency in the first place. This was achieved by having the Banks and various media outlets continually call the DINAR, ZIM, and other currency revaluations a Scam. This kept people from buying currencies in the first place and is still working on many. But, over time this phase of the plan began to lose effectiveness.

#2) The Group Scam. This was a ploy to both get control of your currency and even just steal it outright. In both these cases, those who got into one of these bogus groups, would not find out about their big mistake until after the GCR when they could no longer buy currency. Either their money would be totally gone, or their payments would be severely reduced and/or delayed indefinitely. In the end, these people who fell for this Scam, would be unable to get more currency because it would be too late, and would have no control of their money what so ever. However, this plan has run its course, even though I still see people promoting these Groups as the only way to get the better rates and some have the nerve to claim, that it is the only way to get exchanged. We are now in the final Phase of the CABAL agenda.

#3) The Bank Exchange vs. The Exchange Centers. This is the CABAL's last great effort to keep you down. At this point they were unable to stop you from buying currencies and believing in the GCR and they were unable to gain control of the currencies you purchased through a Group Scam. That leaves only one option to reduce what money you get at Exchange time. They only have one trick left and that is to get you to exchange with the General Everyday Public, at your local Bank on the Corner instead of going to an Offsite Exchange center. As we know, the "Regular" Retail Bank location will only offer street rates and no special rate negotiations.

Remember that post that said "Stop paying attention to the net for information and just go to your local bank to exchange when it is time?" NO DOUBT IN MY BOOK THAT WAS THE CABAL AGENDA. But we know better don't we? We know that the Offsite locations are the ones that are authorized to offer the higher Sovereign Rates for ZIM, and humanitarian Projects etc. So the CABAL have no chance to stops us from going to the Exchange centers, Both Offsite & Designated Bank Locations, to get the special treatment and extra high rates.... or do they?

The FEAR Plan

Their VERY, VERY, Last play is to spread FEAR that you might lose your money if you don’t go to a regular Bank (Non Exchange) location. That is actually a good move for the CABAL. Because if you go to a regular Bank, you WILL GET less and they keep you down, well as down as they can. But is this FEAR justified? No, not really.

The No FEAR Exchange

First let me say that those who are posting and spreading this fear are probably NOT Cabal, but have been affected by the CABAL Fear agenda. There is actually nothing to Fear. Let's think about the whole process and see just how safe it really is.

#1) You are going to get the First 800# to call. This number is so easy to verify because it will be EVERYWHERE, on every Dinar related website. All you have to do is go to Bruce's Big Call website Banking Tab: http://www.thebigcall.net/Banking.html, and then go to Dinar Chronicles site: http://inteldinarchronicles.blogspot.com/ then maybe you can check The Real Truth Call site: http://www.therealtruthcall2.com/ just to name a few and they should all have THE SAME EXACT NUMBER. There is NO WAY that the bad guys could change the phone number in all these places. The moment something like that happened, if it could happen, the SWAT team would swarm those who did it and they would be taken down so fast that it would make your head spin. So your first phone number to call will be VERY SAFE.

Once you call the first number, you will tell them if you have Zim (NOT HOW MUCH YOU HAVE) just that you have the currencies and especially if you have ZIM. Then you will tell them your Zip code. You will then be given a couple of option locations where you can exchange. I imagine that you will be given "GENERAL" areas and not exact addresses. You select the Location/City you want to exchange in and they give you the "Second Number" to call.

Note: It doesn't matter if you say Zim, Zim Bond, Zim Gold Backed Bond, Or Zim whatever, they will know it is Zim and will send you to the right place.

Special Note For Zim: As I understand this process, this second number will be your personal number to call. NO ONE ELSE WILL BE GIVEN THIS EXACT NUMBER. My guess is that when they give you the number, it is then programmed to go to the location you chose. DO NOT GIVE THIS NUMBER TO ANYONE. If this is set up the way I have explained it, when you call this number they will know it is you. If you give this to anyone else, the exchange center will think it is you and that could screw up your own exchange. In short, tell everyone you know about the first number, but the second number is for your eyes only.

#2) The Second 800#/Contact Number to call. Once you call this second specially coded number, you will be connected to the Exchange center in the area you chose. You will then give them your information, set an appointment time and then given the EXACT address where the secret offsite exchange center is. KEEP THIS SECRET. Ask all the questions you want, so that you feel comfortable and so that you know what to bring, how to get there, who you can bring with you, and whatever else you want to know. By the time you finish this call, you should feel totally comfortable about the whole process and what you need to do next.

You have two levels of safety here. First, if the first number was the correct one, and if it is in several well known places on the web, that makes the second number they gave you safe as well. how could it not be? Then after calling the second location, you should have asked all the questions you had and feel comfortable that this is a valid exchange center. Then comes the next stage... The appointment.

#3) The Appointment. When you are arrive at the secret offsite location, or designated Bank Location, you should see military types (Or security people) around fully armed who are protecting the location from the bad guys. When you go into the location, you should feel very safe by #1) what you see around you, #2) the fact that they know who you are and are expecting you, and #3) By the process you experience.

In short, if the First number is right and checks out, that means the second number is safe as well, which means that the appointment location is valid, and then when you get there, you will know you are safe.

The Argument Against Bad Exchange Centers

It is so easy to debunk the Evil Exchange center idea. #1) It is easier for the bad guys to buy their own Zim than it is to set up this elaborate exchange center scam. #2) If they did set up the fake offsite exchange center, it would only be running for a few minutes before the Good Guys swooped in and took them out. This could NEVER happen, it is just too dangerous for the bad guys. Frankly, the bad guys could just spend $100 on one zim note and become Trillianaires. So why would they go to all this trouble to set something up that would be stopped in a matter of hours if not minutes? So in my opinion, the Bad Exchange center idea just doesn't make any sense to me.

No Worries

If you have enough money, and most all of us will, you will be on some sort of Interest payment plan. You will get big money payments every 90 days for years. You could get totally wiped out of everything you have from the exchange, and be flat broke. BUT, that would only last 90 days until your next interest payment. Then you would be rich again. You could lose it all again, and still be rich again in 90 days. THERE IS NOTHING TO FEAR. The Benevolent Elders have set it up so that you can't fail. The only catch is, all this protection comes AFTER the exchange. If you give away your currency to some fake group, or give control of your money to some group, there is nothing that the Benevolent Elders can do about that. But, if you hold on to your currency and get to the offsite exchange center, you have it made for life.

The Truth

Until this goes, it is hard to get accurate information about the process. However, once you get the first number, you can call it and ask all the questions you want and get the TRUTH. Then when you get the number for your actual exchange location, you can again ask all the questions you want about who can come with you and what to bring etc and again you will get the TRUTH. Then at your Exchange appointment and wealth manager appointment you can ask anything you want about trusts, and bank accounts etc and get the TRUTH. Basically, once you get the first call in number, you have access to the REAL TRUTH from then on for ever step in the process, and forever more after that. NOTHING TO WORRY ABOUT!

The Bottom Line

The bottom line is that there is nothing to fear. Every step of the Exchange process is built for safety. The only real threat you face is loss of your currency to Group scams, or reduced exchange rate due to missing out on the 800#/Exchange center plan. However, that is not too bad, as even the General Public will be getting very good street rates. Not what we will be getting, but way better than nothing. If you pay attention to the Net for the 800#s, check them out on a few different websites, and then just follow the instructions, you cannot go wrong. Importantly, once the 800#s come out, they will come with a special set of very Detailed and EXACT instructions on what to do next. Tick Tock, my Friends, for our time is near.

==============================================

May You Get Everything You Want and Live The Life Of Your Dreams

Signed: One Who Knows

Source: Ascension With Earth
          VTech’s ‘Learning Lodge’ hack exposes kids’ data   
In a statement today, VTech, maker of gadgets for children, announced that its customer data has been breached. According to the company, an “unauthorized party” accessed data within the Learning Lodge app store database earlier this month; that database has neither banking info nor certain personal identification details like social security numbers, but does have ‘general’ profile info. VTech has … Continue reading
          General Knowledge GK 9000+ Questions and Answers Download PDF Free   
Dear Aspirants,
                              Today we are sharing e-pdf book of  General Knowledge GK most Important 9000+ Question and Answers.  This e-book is very very very important for RRB NTPC Prelims, RRB NTPC Mains, RRB Stage 1, RRB Stage 2, SSC, SSC CGL, SSC CHSL and Other Banking Exams. These collections of GK Questions will definitely help you in upcoming competitive exams. Aspirants are advised todownload 9000+ GK Question and Answers PDF from a link provided given below

Download PDF – 9000 GK Capsule for Competitive Exams – SSC CGL CHSL RRB BANK EXAMS


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          Daily GK Update 24th June 2017, Important Current Affairs   
1. Chief Minister ‘Mamata Banerjee’ has received the ‘2017 UN Public Service Award’ at a ceremony held in The Hague, Netherlands on behalf of her state govt.

2. ndia and Russia have agreed to a roadmap for the development of bilateral defense cooperation at the meeting of the India-Russia Inter-Governmental Commission on Military-Technical Cooperation in Moscow.

3. The Union Minister of State (IC) Shri Piyush Goyal has launched Weather Portal for Power Sector in association with POSOCO and IMD at the meeting of the Forum of Regulators in New Delhi.

4. Maharashtra Forest Minister ‘Sudhir Mungantiwar’ has announced to launch (on 1st July) a mobile app named 'My Plant', which would help in recording data about tree plantations in the state.

5. The Union ministers Sushma Swaraj and Manoj Sinhaunveiled commemorative postage stamp to mark the completion of 50 years of the Passports Act-1967.

6. The Maharashtra govt. entered into an agreement with cab aggregator ‘Ola’ to train 20,000 youth to become micro-entrepreneurs in the field of passenger transport in the next five years.

7. ElectionCommission (EC) has disqualified Madhya PradeshMinister Narottam Mishra for submitting wrong expenditure accounts in the 2008 poll (Datia Assembly constituency).

8. The Union Minister ‘Venkaiah Naidu’ has presented the 100 volumes of The Collected Works of Mahatma Gandhi(CWMG) published by the Publications Division to Sabarmati Ashram in Ahmedabad.

9. The government has permitted banks and post offices to deposit junked Rs 500 and Rs 1,000 notes with the Reserve Bank by 20th July this year.

10. The Reserve Bank of India (RBI) has extended the scope of Banking Ombudsman Scheme,under which banks could be penalized for miss-selling third-party products like insurance and mutual funds via mobile or electronic banking.

Also Read:
Get More GK Updates


          Daily GK Update 15th June 2017, Important Current Affairs   
1. Leo Varadkar, a 38-year-old Indian-origin doctor, scripted history by becoming Ireland’s youngest and the first openly gay Prime Minister of the Catholic-majority country.Varadkar, the country’s first Indian-origin premier, officially took over from Enda Kenny as Taoiseach, as the Irish prime ministerial title is known, after a parliamentary vote in Dublin confirmed him as the leader by 57 votes to 50, with 47 abstentions.

Daily GK Update 15th June 2017, Important Current Affairs

2. Minister of Food Processing Industries Smt Harsimrat Kaur Badal addressed a Joint Press Conference with the organizers of ANUGA - an international business platform for Food Industry to be held in Cologne, Germany.

3. To enhance the passenger's experience by upgrading existing fleet of coaches with better furnishing, aesthetics & amenities and better safety features with a view to provide a safe and comfortable travel, Minister of Railways Shri Suresh Prabhu has launched MISSION RETRO-FITMENT in Rail Bhavan, New Delhi.

4. The World Bank has approved financing worth more than 500 million dollars for Afghanistan to support a string of projects to boost the economy, help improve service delivery in five cities and support Afghan refugees sent back from Pakistan.

5. According to the Code Compliance Rating of banks done by the Banking Codes and Standards Board of India (BCSBI) 2017, only one (IDBI Bank) out of 26 public sector banks and eight out of 17 private sector banks got ‘high’ rating for their adherence to code compliance.

6. Indian warships began a week-long naval exercise off the coast of Western Australia. The second AUSINDEX exercises are aimed at increasing interoperability between Australian and Indian naval forces, executing complex naval manoeuvres.

7. The Defence Research and Development Organisation (DRDO) has successfully test fired the anti-tank missile “Nag” in a desert in Rajasthan’s western sector.

8. State-owned oil firms IOC, BPCL and HPCL on signed an agreement to jointly set up world's biggest refinery at Ratnagiri district of Maharashtra.

9. The Telangana government launched the website 'PashuBazar' to facilitate online sale or purchase of cattle.

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          MT ASCP - Openings Nationwide!!! - StarMed - Permanent Healthcare Recruiting/Placement - Columbus, OH   
Must be MLT, MT or MLS (ASCP) certified with at least (3) three years of blood banking experience. We are looking for full time Medical Technologists with Blood...
From Indeed - Tue, 20 Jun 2017 16:25:25 GMT - View all Columbus, OH jobs
          Client Service Associate - UBS - Newport Beach, CA   
Retail banking in Switzerland. Your job, as a Business Development Specialist, is to contribute to the growth of a Financial Advisor's business through internal...
From UBS - Tue, 11 Apr 2017 17:35:20 GMT - View all Newport Beach, CA jobs
          Administration Clerk - Kawartha Credit Union - Peterborough, ON   
Headquartered in Peterborough, Ontario, Kawartha Credit Union (Kawartha) serves 50,000 members with online, mobile, and telephone banking and a full range of...
From Kawartha Credit Union - Mon, 26 Jun 2017 14:41:25 GMT - View all Peterborough, ON jobs
          Opening in banking - aarckinfo - Bhandup, Maharashtra   
H.S.C with 50% Graduated with 55% Good Communication Profile: Office assistant clerk Three rounds of interview Aptitude test online exam Hr round ₹17,000 a month
From Indeed - Fri, 10 Mar 2017 10:49:30 GMT - View all Bhandup, Maharashtra jobs
          Clerk cum Typist - Banking Recruitment - Ghatkopar, Maharashtra   
*RESUME* *Mr. Kasbe Vishal Dadarao* Room No.49,Building No.1/A, Railway Police Quarters, Pantnagar, Eastern Express Highway Road, Ghatkopar(East),Mumbai ₹15,000 a month
From Indeed - Wed, 22 Mar 2017 14:02:26 GMT - View all Ghatkopar, Maharashtra jobs
          Branch banking (back office/ cashier/ front desk) - Vaikunth info - Kalyan, Maharashtra   
Clerk/ teller/ cashier/ back office operations. HSC passed and graduation with (50%).... ₹17,000 a month
From Indeed - Tue, 28 Mar 2017 07:51:43 GMT - View all Kalyan, Maharashtra jobs
          Financial Center Manager III - New Lenox - Fifth Third Bank - New Lenox, IL   
Ensure that the financial center provides thepublicwith banking services, credit decisions, and service for consumer and commercial loans....
From Fifth Third Bank - Wed, 28 Jun 2017 23:12:49 GMT - View all New Lenox, IL jobs
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Originate, process/underwrite and close consumer loans in accordance with loan authority and Bank policy. Assist the Company in accomplishing our vision:....
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Senior Analyst, Predictive Modeling & Data Science - BMO Financial Group - Toronto, ON   
Ch. The Advanced Analytics &amp; Journey Science group partners with internal Personal and Commercial Banking Canada partners, and various lines of business across...
From BMO Financial Group - Sat, 24 Jun 2017 00:46:45 GMT - View all Toronto, ON jobs
          Blue Angels make powerful impression at New York Air Show   
NEW WINDSOR — Roaring, soaring, looping, rolling, passing, banking, turning, weaving, splitting the gray-cream sky.The U.S. Navy Blue Angels jet team delighted the thousands on-hand Saturday for day one of two at the third annual New York Air
          Drumm denied right to give evidence over Snapchat   

david drumm evidenceDavid Drumm has has his request to give evidence to the banking inquiry via Snapchat denied. The former Anglo-Irish Bank Chief Executive remains on an extended vacation in the United States because he is wanted for questioning by the Gardaí. Drumm politely declined the invitation to give evidence in purpose, stating “I think I have […]

The post Drumm denied right to give evidence over Snapchat appeared first on Oxygen.ie.


          Lowongan Kerja Emerson Indonesia   
Lowongan Kerja Emerson Indonesia : Emerson (NYSE: EMR) is a diversified global manufacturing and technology company. We offer a wide range of products and services in the industrial, commercial, and consumer markets through its network power, process management, industrial automation, climate technologies, and tools and storage businesses.
Recognized widely for our engineering capabilities and management excellence, Emerson has approximately 127,700 employees and 240 manufacturing locations worldwide.

Emerson is where technology and engineering come together to create solutions for the benefit of our customers, driven without compromise for a world in action.

Channel Sales Distribution Manager

Scope:

* Drive the sales and business strategies through distributors and active resellers network with special focus on Sales-in, Sales-out, Active Reseller Breadth.
* Grow the market share of relevant Emerson Products in SMB Markets through effective sales and channel marketing actions

Responsibilities

* Develop and implement the distribution strategies to achieve optimum channel coverage and growth in runrate business in each country
* Achieve the monthly and quarterly business plans with distributors related to Sales In, Sales Out and Availaility.
* Plan and execute channel motivation and enablement programs to grow the active resellers base and sales per reseller through the distributors. Work closely with Programs and Marketing resources to drive regular reseller marketing programs
* Responsible for effective utilization of Market Development Funds related to Distributors and Active Resellers business.
* Responsible to increase the participation and wins for Emerson in the dynamic market of Small Medium Power Solutions . Products covered include Small & Micro UPS offerings , Rack Solutions , Racks Monitoring and similar products
* Identify and win Recurring business opportunities through specific Resellers engaged in high potential verticals like Banking & Insurance , Public & Healthcare
* Manage all qualified leads and deals arising from or assigned to distribution channels maximize the win ratio
* Ensure strong discipline around distributor business reviews , sales forecasting and effective sell-through programs
* Undertake initiatives to make it easy for distributors to do business with Emerson Network Power


Requirements :

* 5 - 8 years channel sales experience , especially related to distribution and preferably in IT and related Industries ,
* Ability to plan and execute channel related programs for results
* Excellent presentation , communication and interpersonal skills
* Problem solver and good on relationship management
* Strong business ethics and integrity
* 'Can do' attitude and Sense of urgency

Emerson Network Power is an equal opportunity employer.

Attractive remuneration package and career growth opportunities offer to the successful candidate.
Personal data provided by job applicants will be used strictly in accordance with the personal data privacy policy. Only short listed candidates will be notified.

To the right candidates we offer highly competitive compensation & benefits package, state-of-the-art training & excellent opportunities for career growth.

Interested candidates please apply online at the link below

Apply


Lowonagan BUMN LKBN Antara 2011
          Sysbase RUN Expert - Groupe Crédit Agricole - Singapore   
Debt Optimisation &amp; Distribution,. Crédit Agricole CIB is the Corporate and Investment Banking arm of the Crédit Agricole Group, the world's n°11 bank measured...
From Groupe Crédit Agricole - Sat, 24 Jun 2017 09:27:07 GMT - View all Singapore jobs
          New Job Career Bank Danamon Syariah   
We Are Proud To Be the Employer of Choice. With experience of more than 20 years as a business partner who promote small and medium enterprises (SMEs) and Commercial in Indonesia, SME Banking & Commercial Business Danamon until today remains committed to providing the best products for bank loans (lending) and deposits (funding).


Through more than 400 branches and ranks of Relationship Officer / Manager who is ready to provide the best service for business people, Bank Danamon proud to achieve our goal as an Employer of Choice.

Join and open boundless opportunities for you with Bank Danamon as:
Detail vacancies and how to apply please refer to Lowongan Kerja Bank Danamon Syariah
          Receptionist - National Bank - Calgary, AB   
Experience as a receptionist, an asset. This is a full time position located at the Calgary Private Banking 1859 office and will report to the Vice President....
From National Bank - Wed, 28 Jun 2017 20:56:37 GMT - View all Calgary, AB jobs
          Do Banks Really Need To "Own" Mobile Banking?    

Australian Banks have often been at the forefront of global banking trends, or at the very least, fast followers that learn quickly from the mistakes of others. In Australia, mobile banking has quickly become a "war" amongst the majors with a range of different banking services and approaches - from basic access to transactional histories, transfers, payments, integrated retail services, and even near-field-communications-based micro-payments systems.

But how much of the mobile banking channel do banks really need to own? Most banks no longer own or operate their own ATM networks. They control the flow of transactions through that channel, but they generally have little to no interest in owning the assets or operating ATM cash management processes. Mobile banking is a complex and costly business to be in. With the advent of Internet banking, it quickly became clear that the cost of delivering online banking services through the internet was rarely, if ever, a more cost-effective channel than the bank-owned and operated PC-based products (remember the dedicated dial-up modems!). But in theory it should have been. All of the cost modeling showed that it should be cheaper. Yet banks have continued to invest more and more in building out, maintaining, operating - and particularly securing - their Internet banking channels.

Read more
          Facility Manager - The Post at 750 - Vancouver, BC   
Working with a bookkeeper to process accounts payable and receivable, writing cheques, basic banking, processing credit cards, etc. About the position*.... $39,000 - $44,000 a year
From Indeed - Tue, 27 Jun 2017 19:35:10 GMT - View all Vancouver, BC jobs
          Stage : Stage HR Early Career Team, H/F   
BNP Paribas est une banque leader de la zone euro et un acteur bancaire de premier plan dans le monde, avec une forte présence internationale. Nous rejoindre, cest partager notre volonté daller de lavant. BNP Paribas Corporate & Institutional Banking...
          Manager, Paid Search (SEM) - Scotiabank - Toronto, ON   
Requisition ID: 908 The Digital Factory is an innovation hub with a clear and well-supported mandate to transform the way banking technology is delivered, by
From Scotiabank - Tue, 27 Jun 2017 06:46:39 GMT - View all Toronto, ON jobs
          Manager, Paid Social Acquisition - Scotiabank - Toronto, ON   
Requisition ID: 1750 The Digital Factory is an innovation hub with a clear and well-supported mandate to transform the way banking technology is delivered, by
From Scotiabank - Tue, 27 Jun 2017 06:46:14 GMT - View all Toronto, ON jobs
          Business Analyst/Assistant Manager- GRBC   

The Risk Oversight Center of Excellence organization within Global Risk, Banking, and Compliance (GRBC) is responsible for managing risk through continuous monitoring, deep-dive analysis and testing ...

          Business Analyst/Assistant Manager- GRBC   

The Risk Oversight Center of Excellence organization within Global Risk, Banking, and Compliance (GRBC) is responsible for managing risk through continuous monitoring, deep-dive analysis and testing ...

          Senior Front-end Web Developer - Solutia - Toronto, ON   
Job Title: Senior Front-end Web Developer Job Type : Contract Industry: Banking Location: downtown,Toronto START DATE: As soon as possible JOB DESCRIPTION:
From Indeed - Fri, 09 Jun 2017 16:09:20 GMT - View all Toronto, ON jobs
          Interac says e-Transfer services being restored one bank at a time   
Interac said it would begin restoring its e-Transfer service at 9 p.m. ET on Saturday, July 1, after it was suspended Friday morning due to technical issues.The non-profit banking network said it would begin rolling out the service “financial institution by financial institution,” and would confirm once e-Transfers were fully restored for all banks.We will...
          TeamSkeet - Sarah Banks Big Booty Banking TeensLoveAnal   
none
          Technical Lead - Morgan Stanley - New York, NY   
Exposure to a Datawarehouse / BI project in a finance / banking environment. Excellent understanding of the Datawarehouse life cycle right from data source to...
From Morgan Stanley - Thu, 11 May 2017 21:16:59 GMT - View all New York, NY jobs
          Technology Lead - US - ValueSoft Technologies - Plano, TX   
*Role* Technology Lead - US *Skillset* Datawarehouse and ETL , Teradata *Domain* Banking Financial services *Company* ITL USA *Country* USA *State /...
From Indeed - Mon, 08 May 2017 21:57:19 GMT - View all Plano, TX jobs
          Head Teller   
NY-Warrensburg, Job Title: Teller III (NE9)* Department: Branch Administration Supervisor: Branch Manager/Branch Administration Minimum Knowledge Skill and/or Education/Training Required: Cashier experience cash handling experience. Good customer service and math skills. Does this employee supervise others? No Essential Functions of the Job: Assist customers with daily banking transactions. Operate an electronic
          Head Teller   
NY-Saratoga Springs, Job Title: Teller III (NE9)* Department: Branch Administration Supervisor: Branch Manager/Branch Administration Minimum Knowledge Skill and/or Education/Training Required: Cashier experience cash handling experience. Good customer service and math skills. Does this employee supervise others? No Essential Functions of the Job: Assist customers with daily banking transactions. Operate an electronic
          Head Teller   
NY-Wappingers Falls, Job Title: Teller III (NE9)* Department: Branch Administration Supervisor: Branch Manager/Branch Administration Minimum Knowledge Skill and/or Education/Training Required: Cashier experience cash handling experience. Good customer service and math skills. Does this employee supervise others? No Essential Functions of the Job: Assist customers with daily banking transactions. Operate an electronic
          Banking Center President (Full Time) - Katy, Spring Green - Prosperity Bank - Katy, TX   
Monitors and reviews construction, development, and commercial loans. Monday - Friday 8:00 am thru 5:00 pm....
From Prosperity Bank - Thu, 22 Jun 2017 05:33:49 GMT - View all Katy, TX jobs
          NIFTY OUTLOOK FOR 03/07/2017   
NIFTY OUTLOOK  FOR    03/07/2017
--------------------------------------------------

GST LAUNCHED,
MONDAY MORNING MARKET HAVE TO REACT,
BUT IT WILL TAKE 3MONTHS TO GET
CLEAR VIEW ABOUT GST,


LAST WEEK,
THE HIGH IS  9615,
THE LOW WAS  9448,
NIFTY CLOSES AT  9520,
PIVOT STANDS AT  9533,


SOME DOWN TREND EXPECTED
BELOW  9488,
9355  AND  9266  MAY BE TESTED,


FOR THIS WEEK,
ABOVE  9577,
BULLS MAY DRIVE TOWARDS  10,000,
10036 IS THE TARGET FOR CURRENT RALLY,


NIFTY STARTED THE CURRENT RALLY
FROM  7893 ON 26/12/2016,
HIGH IS  9709,
NIFTY MAY, CONTINUE THIS RALLY
ABOVE 9600  OR  TAKE RETRACEMENT
TOWARDS  8801,


FOR THIS WEEK,

ON THE UP SIDE,
BULLS ARE RULING ABOVE  9577,
9711  AND  9800  ARE THE TARGETS FOR BULLS,

ON THE DOWNSIDE,
BEARS MAY GET ACTIVE BELOW    9488,
9355  AND  9266  ARE THE TARGET FOR BEARS,




AS PER ASTRO FOR NIFTY,
----------------------------------------------
MIXED MOVES SEEN FOR NIFTY
FOR ANOTHER FOUR WEEKS,





ASTRO SIGNALS FOR THE WEEK AHEAD
--------------------------------------------------------------

SUN SAILING IN  MITHUNAM HOME,
NEUTRAL MOVES SEEN FOR PSU SECTORS,


MARS SAILING IN MITHUNAM HOME,
THIS WEEK TAKING RISHABAM  NAVAMSAM,
NEUTRAL TO GREEN  MOVES SEEN FOR THIS WEEK,
FOR, POWER, INFRA, AND ADAG GROUP STOCKS,


GURU SAILING IN  KANYA HOME WITH NORMAL MODE,
TAKING  KADAKAM NAVAMSAM,
GREEN MOVES SEEN FOR BANKING SECTORS,


SATURN SAILING IN VIRUCHIKAM HOME,
TAKING KUMBAM HOME AS NAVAMSAM HOME,
SATURN SAILING WITH VAKRAM MODE,
FOR STEEL, OIL, AND METAL SECTORS,
VOLATILE  MOVES SEEN,


SUKRAN SAILING IN RISHABAM-OWN HOME,
FOR REALITY SECTORS,
GREEN  MOVES SEEN FOR THIS WEEK AHEAD,

.
RAAHU AND KETHU SAILING IN SIMMAM
AND KUMBAM HOMES,
ALSO TAKING  MESHAM  AND THULAM
HOMES AS NAVAMSAMS,
FROM THIS WEEK TAKING
GOOD BOUNCE EXPECTED IN FOREX/GOLD/SILVER MARKETS,




TECHNICAL FOR THE WEEK AHEAD
--------------------------------
BULLS HAVE TO  WAIT FOR CLOSE ABOVE  9577  SL  9533,
BEARS HAVE TO  KEEP CLOSE ABOVE  9533 AS SL,




GLOBAL TRENDS
================
GOLD TRADING AROUND 1250 AT  1242
US DOLLAR INDEX TRADING NEAR  95  AT  95.39
NYMEX CRUDE TRADING AROUND  45 AT  46.33
DOW FUTURE  TRADING WITH  67POINTS GAIN ON FRIDAY
NEUTRAL  GLOBAL TREND SEEN,



NIFTY WEEKLY RANGE
===================
9266/9355/9444-9533-9622/9711/9800




AS PER ASTRO THIS WEEK
=========================

MONDAY....         GREEN  UP TO  10.24AM, THEN RED
TUESDAY...         RED UP TO  12.25PM,  THEN GREEN
WEDNESDAY.         VOLATILE DAY
THURSDAY..         RED UP TO  10.40AM,  THEN GREEN
FRIDAY....         GREEN UP TO  01.15PM, THEN RED






NIFTY FUTURE MOMENTUM PLAY  FOR    MONDAY
===========================================
BUY   ABOVE    9533   TARGET        9577/9622     STOPLOSS          9511
SELL  BELOW    9488   TARGET        9444/9400     STOPLOSS          9511

MOMENTUM PLAY FOR BANKNIFTY
============================
BUY  ABOVE    23266   TARGET    23355/23444     STOPLOSS         23222
SELL BELOW   23177   TARGET    23088/23000      STOPLOSS         23222






ASTRO VIEW FOR    MONDAY
=============================

MOON SAILING IN   SUVATHI STAR  RAAHU    SAARAM,
THIS IS   THULAM   SIGN,

GURU SAILING  12TH  HOME,
SATURN SAILING IN   2ND  HOME,
RAAHU SAILING IN  11TH  HOME,
KETHU SAILING IN  5TH  HOME,

GREEN SEEN UP TO  10.24AM,
THEN  RED EXPECTED,


03/07/2017   BIRTH NO.3   FATE NO.2
-------------------------------------------------
GREEN  MOVES  ON CARD,


OUT PERFORMERS
----------------------------------
OLI, METAL, REALITY, AND MID-CAPS,


UNDER PERFORMERS
----------------------------------
PSU, ANS LARGE-CAPS,






TECHNICAL VIEW FOR    03/07/2017
================================
LAST(30/06)  CLOSE@9520    (+16  POINTS)

LAST   HIGH@9535    LOW@9448
WEEKLY HIGH@9615    LOW@9448


5DMA@9520
20DMA@9606
50DMA@9487
200DMA@8826


EXPECTED RANGE IN SPOT
9400-9644

POSITIVE ABOVE    9555
RESISTANCES    9555/9600/9644

NEGATIVE BELOW    9488
SUPPORTS    9488/9444/9400


5-RSI  34  14-RSI  46
INDICATES NIFTY PLACED IN  TRADING  ZONE
WITH  BEARISH  MOMENTUM


WEEKLY KEY RESISTANCE@9622/9711/9800
WEEKLY PIVOT @9533
WEEKLY KEY SUPPORT@9444/9355/9266


FOR REGULAR UPDATES AND OUR SERVICES,
KINDLY VISIT OUR BLOG    niftysign.blogspot.com
FOLLOW US AT    facebook.com/niftysign
CALL OR SMS TO    8144150157








ASTRO-BASED WEEKLY NOTES FOR TRADERS
====================================

1.REALITY..    GREEN  WEEK
--------------------------------------------------------
SUKRAN SAILING IN RISHABAM OWN HOME,
TAKING  KUMBAM AND MEENAM  NAVAMSAM HOMES,
NOW SAILING WITH  NORMAL MODE,
GREEN MOVES SEEN FOR THIS WEEK,



2. POWER, INFRA AND FERTILIZER
---------------------------------
MARS SAILING IN MITHUNAM HOME,
TAKING  RISHABAM  NAVAMSAM HOMES,
FOR THIS WEEK,
NEUTRAL TO GREEN MOVES SEEN,



3. TELECOM....     GREEN   WEEK
------------------------------------------------------
PUTHAN SAILING IN  KADAKAM HOME,
WITH NORMAL MODE,
GURU SAILING IN KANYA HOME,
MARS SAILING IN MITHUNAM HOME,
GREEN   TREND SEEN THIS WEEK,



4. OIL, METAL AND STEEL
--------------------------------
SATURN SAILING IN VIRUCHIKAM HOME,
TAKING KUMBAM HOME AS NAVAMSAM,
SATURN SAILING WITH VAKRAM MODE,
VOLATILE MOVES SEEN FOR ABOVE SECTORS,



5. BANKING AND FINANCE.
-------------------------------
GURU SAILING IN KANYA HOME,
ALSO TAKING KADAKAM HOME AS NAVAMSAM,
GURU SAILING WITH NORMAL MODE,
GREEN SEEN IN THIS WEEK,



7. OTHERS
-----------
PSU.......       RED  WEEK
AUTO.......        GREEN WEEK
IT/PHARMA..       NEUTRAL WEEK
RIL........        GREEN FROM TUESDAY
ADAG........       NEUTRAL WEEK





 WE ARE STARTING NEW PLAN
============================

RS.25000 TO RS.4LAKHS IN 120DAYS BY NIFTY OPTION TRADING
======================================================


WE INVITE  CUSTOMERS
WHO CAN KEEP RS.25000 AS TRADING CAPITAL
WHO CAN UNDERSTAND THE HIGH RISK OF OPTION TRADING
WHO CAN TRADE WITH US FOR 4-MONTHS,
PLEASE SMS '' 4LAKH'' TO US AT 81441 50157
WE WILL EXPLAIN THE DETAILS TO YOU,
THANK YOU,





STAGE NO.01
============
RS.25000 TO RS.100,000
TWO TIME MULTIPLICATION
25000 TO 50000
50000 TO 10,000
ESTIMATE TIME 2MONTHS
ESTIMATE NO. OF CALLS  10 TO 14
MAXIMUM RISK FROM THE CAPITAL  50%


STAGE NO.02
===========
RS.100,000 TO RS.400,000
TWO TIME MULTIPLICATION
100,000 TO 200,000
200,000 TO 400,000
ESTIMATE TIME 2MONTHS
ESTIMATE NO. OF CALLS  10 TO 14
MAXIMUM  RISK FROM THE CAPITAL 50%



CHARGES
=========
5% OF THE PROFIT(3,75,000) MADE  RS.18,750
RS.3750 AS ADVANCE,
RS.15000 AFTER REACHING RS.200,000





ABOUT NIFTYSIGN AND OUR SERVICES.
==================================

WE ARE DEDICATED TEAM FOLLOWING MARKETS
WITH ASTRO AND TECHNICAL VIEW. OUR MAIN
FOCUS ARE NIFTY FUTURE, NIFTY OPTIONS AND
BANK NIFTY FUTURES.

WE FOLLOW ASTRO GUIDANCE GIVEN BY ANCIENT
TAMIL SITHTHAR SUVADIS. WE FOLLOW VAAKKIYAM
PANJCHANGAM FOR ASTRO ANALYSIS.
FOR MORE DETAILS SMS YOUR NAME TO 08144150157.
KINDLY VISIT OUR BLOG niftysign.blogspot.com



OUR SERVICES
=============

INTRA-DAY AND BTST/STBT TRADINGS ARE USED TO
MAKE MONEY BY MOST OF THE TRADERS.
BUT WEALTH CREATION IS TOTALLY DIFFERENT
FROM MONEY MAKING.
FOR WEALTH CREATION POSITIONAL AND CORE

TRADINGS ARE THE RIGHT WAYS.
THE CORE TRADING ( HOLDING POSITION MORE THAN
15DAYS ) IS NOT LIKED BY MANY SMART TRADERS.

SO, THE POSITIONAL TRADING ( HOLDING POSITIONS
MORE THEN 48HOURS TO 14DAYS) IS THE ONLY WAY
FOR SMART TRADING AND ALSO FOR WEALTH CREATION.

NIFTY FUTURE AND BANK NIFTY FUTURE ARE LIKED
BY MOST OF THE SMART TRADERS. BOTH SCRIPTS
ARE TRADED IN HIGH VOLUMES AND ALWAYS GIVING
OPPORTUNITIES FOR SMART TRADERS.



WEALTH CREATION PROGRAMS
==============================

WE ARE NOW RUNNING WEALTH CREATION PROGRAM
FOR BULK TRADERS WHO CAN HOLD MINIMUM 2-LOTS
IN NIFTY OR 4-LOTS IN BANK NIFTY.
WEALTH CREATION PROGRAM IN NIFTY OPTIONS,
IS SUITABLE FOR SMALL INVESTORS AND TRADERS.



PROGRAMS
============

ONLY SEVEN TO NINE CALLS PER MONTH.
MINIMUM TARGETS FOR MONTH WILL BE,

1000-POINTS IN NIFTY,
540-POINTS IN NIFTY OPTIONS
540-POINTS IN BANK NIFTY OPTIONS, AND
2000-POINTS IN BANK NIFTY FUTURES,

MARKET HOUR ASSISTANCE WILL BE GIVEN.
PLANNED TO SERVE ONLY FOR LIMITED CUSTOMERS.


CHARGES
==========

WEALTH CREATION BY NIFTY FUTURES
======================================
RS.6000 PER MONTH OR UP TO 1000-POINTS.
EASY START BY PAYING RS.3000 AND PAY
BALANCE AFTER MAKING 500-POINTS.



WEALTH CREATION BY BANK NIFTY FUTURES
=========================================
RS.6000 PER MONTH OR UP TO 2000-POINTS.
EASY START BY PAYING RS.3000 AND PAY
BALANCE AFTER MAKING 1000-POINTS.



WEALTH CREATION BY NIFTY OPTIONS
========================================
RS.4000 PER MONTH OR UP TO 540-POINTS.
EASY START BY PAYING RS.2000 AND PAY
BALANCE AFTER MAKING 270 POINTS.


WEALTH CREATION BY BANK NIFTY OPTIONS
=====================================
RS.4000 PER MONTH OR UP TO 540-POINTS.
EASY START BY PAYING RS.2000 AND PAY
BALANCE AFTER MAKING 270 POINTS.


WEALTH CREATION BY BOTH NIFTY + BANK NIFTY OPTIONS
====================================================
RS.6000 PER MONTH OR UP TO
540 POINTS IN NIFTY AND BANK NIFTY OPTIONS EACH,
EASY START BY PAYING RS.3000 AND PAY
BALANCE AFTER MAKING 270 POINTS EACH IN NIFTY AND
BANK NIFTY OPTIONS,


WEALTH CREATION BY BOTH NIFTY AND BANK NIFTY
===================================================
RS.9000 PER MONTH OR UP TO 1000-POINTS,
IN NIFTY AND 2000-POINTS IN BANK NIFTY.
EASY START BY PAYING RS.4500 AND PAY
BALANCE AFTER MAKING 50% TARGETS.



REGISTRATIONS BY SENDING SMS
================================

SEND FOLLOWING SMS TO OUR NUMBER 08144150157.
"WEALTH NIFTY" FOR NIFTY FUTURE.
"WEALTH BANK" FOR BANK NIFTY FUTURE.
"WEALTH BOTH" FOR BOTH.
"WEALTH OPTIONS" FOR NIFTY OPTIONS.
''BOTH OPTIONS'' FOR NIFTY+BANK NIFTY OPTIONS,


KINDLY NOTE
=================

BANK DETAILS WILL BE SENT VIA SMS.
SERVICES WILL START AFTER INITIAL PAYMENT.

WE INVITE YOU TO JOIN FOR OUR
WEALTH CREATION PROGRAMS.
THANKING YOU. TEAM NIFTYSIGN
          Office Assistant / field officer - Mapple Hotels Palaces & Resorts - New Delhi, Delhi   
Total banking works/ collect payment cheque or cash/ delivered bills and documents / deposit TDS/VAT/ L.Tax all departments and worming exp.16 year and I'm B.A ₹2,50,000 a year
From Indeed - Wed, 12 Apr 2017 09:57:43 GMT - View all New Delhi, Delhi jobs
          Ghana Home Loans grabs banking licence   
Ghana Home Loans (GHL), the nation’s leading mortgage finance provider, has received all the requisite approval from the Bank of Ghana (BoG) to commence operations as a universal bank.
          Bilingual Credit Effectiveness Review Associate - RBC - Canada   
You will be responsible for day to day credit risk mitigation and post loan reviews for Credit Adjudication, Canadian Banking Retail and Small Business...
From RBC - Thu, 22 Jun 2017 22:43:58 GMT - View all Canada jobs
          Flipkart TVs and Appliances Sale   

wowcoupon
wowcoupon - coupons, offers to save money

Flipkart TVs and Appliances Sale Live from 1st to 2nd July 2017.  Best deals on products like TVs & Small Home Appliances + 10% instant discount with Debit card, Credit card & Net Banking. Additioanal offers: Purchase of Product on 1st & 2nd July 2017 using Your valid and current Visa, MasterCard, American Express, Maestro, … Continued

The post Flipkart TVs and Appliances Sale appeared first on wowcoupon.


          General Manager: Business Banking (Transaction Execution) - Land and Agricultural Development Bank of South Africa - Centurion, Gauteng   
Manage the Business Banking function, provide leadership with the aim of increasing lending, focusing funds on high impact agricultural financing ....
From Land and Agricultural Development Bank of South Africa - Mon, 19 Jun 2017 13:26:09 GMT - View all Centurion, Gauteng jobs
          Warren Buffett's Berkshire Hathaway to become Bank of America's largest shareholder - USA TODAY   

USA TODAY

Warren Buffett's Berkshire Hathaway to become Bank of America's largest shareholder
USA TODAY
Warren Buffett is bullish on banks. Berkshire Hathaway, the investment conglomerate controlled by the billionaire, plans to spend $5 billion to buy 700 million shares of Bank of America next quarter, exercising its warrants to become the bank's largest ...
Warren Buffett's Bank Of America Rescue Was His Crisis-Era MasterpieceForbes
Warren Buffett just made a quick $12 billion on a clever Bank of America investmentCNBC
Buffett's company to become Bank of America's top shareholderReuters
Charlotte Observer -Chicago Tribune -Business Insider -PBS NewsHour
all 224 news articles »

          Senior Audit and Controls Specialist (Commercial Banking) - Meridian Credit Union - Remote   
This position will primarily perform audits of operational and lending functions within Meridian’s Delivery team (Retail Branch, Small Business, Commercial...
From Meridian Credit Union - Wed, 05 Apr 2017 20:00:16 GMT - View all Remote jobs
          The Ice Cream Truck Isn’t the Only Thing That’s Mobile   
If you don’t have time to visit us at the branch, visit us from your phone! Simply log in to online banking from your mobile device and you’ll be automatically directed to mobile web banking.
          Community Banking Branch Banker III - BB&T - Winterville, NC   
Perform teller transaction such as accepting deposits and loan payments, verifying cash and endorsements, cashing checks within limits and obtaining further...
From BB&T - Sat, 01 Jul 2017 00:25:47 GMT - View all Winterville, NC jobs
          Financial Analyst   
CA-Agoura Hills, A well-established company in Agoura Hills, CA area is hiring a Financial Analyst with 1-2 years experience. Seeking an individual who has a Bachelor's Degree and SQL experience. Qualifications: BS or BA Degree SQL. PowerPoint and MS Excel experience required Payment processing or Banking background preferred 1-2 years of experience in Finance Experience with monthly and quarterly financial proces
          7/2/2017: Front Page: European stocks among best investments   

No populist victory, no deflation, no widespread banking crisis. Shunned by investors for most of 2016 and early 2017 due to political and economic unease, European stocks emerged among the best investments of the first half of this year for dollar...
          Quality Assurance Automation Engineer 3   
NE-Omaha, RESPONSIBILITIES: Kforce has a client that is looking for a QA Automation Engineer 3 in Omaha, Nebraska (NE). Summary: The client is seeking a QA Automation Engineer to be responsible for providing Quality Assurance Testing services for Commercial Banking projects; inclusive but not limited to activities supporting test readiness, execution, metric tracking, reporting and assisting in the developm
          iOS Developer - IQ Hunt - Toronto, ON   
This role is Toronto based in Financial Services and projects are all largely in the digitization of financial services or in digital banking - essentially,
From IQ Hunt - Wed, 21 Jun 2017 19:08:03 GMT - View all Toronto, ON jobs
          Banking Center Manager - First Financial Corporation - Gridley, IL   
Ensures branch adheres to security procedures. Participates in planning and organizing branch operations....
From First Financial Corporation - Fri, 30 Jun 2017 20:56:25 GMT - View all Gridley, IL jobs
          Regional Banking Branch Manager 1 - Wells Fargo - Morrisville, PA   
Branch Managers are responsible for the operational success of the branch. Branch Managers at Wells Fargo are the leaders of the branch team and serve as the...
From Wells Fargo - Sat, 01 Jul 2017 12:08:47 GMT - View all Morrisville, PA jobs
          Finance Manager - BFC Bank Limited - London E14   
IT/Finance project work including integration of Fossil with Olympic (core banking application) is a prerequisite.... £40,000 - £55,000 a year
From Indeed - Wed, 31 May 2017 11:36:47 GMT - View all London E14 jobs
          Senior Front-end Web Developer - Solutia - Toronto, ON   
Job Title: Senior Front-end Web Developer Job Type : Contract Industry: Banking Location: downtown,Toronto START DATE: As soon as possible JOB DESCRIPTION:
From Indeed - Fri, 09 Jun 2017 16:09:20 GMT - View all Toronto, ON jobs
          Tertutupnya Pintu Harta Amanah Soekarno (bagian 3 habis)   
KISAH ini berawal ketika Belanda mulai menjajah Indonesia. Ketika itu para raja dan kalangan bangsawan yang pro atau tunduk kepada Belanda lebih suka menyimpan harta kekayaannya. 

Harta yang disimpan para raja itu biasanya dalam bentuk emas batangan, dan tersimpan di bank sentral milik kerajaan Belanda di Hindia Belanda, The Javache Bank (cikal bakal Bank Indonesia). 

Namun secara diam-diam, para bankir The Javasche Bank (atas instruksi pemerintahnya) memboyong seluruh emas batangan milik para nasabahnya (para raja-raja dan bangsawan Nusantara) ke negerinya, di Netherlands. 

Setelah meletus Perang Dunia II di front Eropa, kala itu wilayah kerajaan Belanda dicaplok pasukan Nazi Jerman, militer Jerman memboyong seluruh harta kekayaan Belanda ke Jerman, termasuk harta simpanan para raja di Nusantara. 

Perang Dunia II, front Eropa berakhir dengan kekalahan Jerman di tangan pasukan Sekutu yang dipimpin AS. Oleh pasukan AS segenap harta jarahan Nazi Jerman diangkut ke daratan AS, termasuk harta milik raja-raja dan bangsawan di Nusantara. 

Bermodalkan harta tersebut, Amerika kembali membangun The Federal Reserve Bank (FED) yang hampir bangkrut karena dampak Perang Dunia II. Oleh pemerintahnya, The FED ditargetkan menjadi ujung tombak sistem kapitalisme AS. 

Belakangan, kabar penjarahan emas batangan oleh pasukan AS untuk modal membangun kembali ekonomi AS yang sempat terpuruk pada Perang Dunia II itu didengar oleh Ir Soekarno yang mengutus Dr Subandrio, Chaerul Saleh dan Yusuf Muda Dalam.

Pihak AS dan beberapa negara sekutu saat itu selalu berdalih Perang Dunia masuk dalam kategori Force Majeur yang artinya tidak ada kewajiban pengembalian harta tersebut oleh pihak pemenang perang.

Namun dengan kekuatan diplomasi Soekarno, akhirnya berhasil meyakinkan para petinggi AS dan Eropa, kalau aset harta kekayaan yang diakuisisi sekutu berasal dari Indonesia, dan milik rakyat Indonesia, sembari menyodorkan fakta-fakta. 

Di antara fakta yang paling kuat adalah para ahli waris dari nasabah The Javache Bank selaku pemilik harta tersebut yang masih hidup. Dari situ, maka terbagi harta kekayaan 50%:50% antara RI dan AS-Sekutu. 

Maksud dari pembagian itu adalah 50% (52.150 ton emas murni) dijadikan kolateral untuk membangun ekonomi AS, dan beberapa negara eropa yang baru luluh lantak dihajar Nazi Jerman. 

Sedangkan 50% lagi dijadikan sebagai kolateral yang membolehkan bagi siapapun dan negara manapun untuk menggunakan harta tersebut dengan sistem sewa (leasing) selama 41 tahun dengan biaya sewa per tahun sebesar 2,5%. 

Sewa itu harus dibayarkan kepada Pemerintah RI melalui Soekarno. Keluarnya angka 2,5% dalam perjanjian itu ada yang menduga Soekarno ingin menerapkan aturan zakat dalam Islam, dan dibayarkan ke The FED dan The Bank BIS. 

Kalau dihitung sejak 21 November 1965, jatuh tempo pembayaran biaya sewa yang harus dibayarkan kepada RI pada 21 November 2006 sangat besar, sanggup melunasi utang luar negeri, dan membangun seluruh kepulauan Indonesia. 

Mengenai keberadaan account The HEF, tidak ada lembaga otoritas keuangan dunia manapun yang dapat mengakses rekening khusus ini, termasuk lembaga pajak. Karena keberadaannya yang sangat rahasia. 

Oleh karena itu selain negara-negara di Eropa maupun AS yang memanfaatkan rekening The HEF, banyak taipan kelas dunia maupun penjahat ekonomi kelas paus dan hiu yang menitipkan kekayaannya pada rekening khusus ini agar terhindar dari pajak.

Sumber:
Tertutupnya Pintu Harta Amanah Soekarno (bagian 3 habis) (SINDO News, 23 Januari 2015)

Link Terkait:
Misteri “Dana Revolusi” Soekarno yang Tidak Bisa Di Cairkan ()
"Green Hilton Agreement" (www.bibliotecapleyades.net)
Misteri Rekening dan Dana Rahasia Perjuangan Indonesia ()
Perjanjian Memorial Green Hilton (Wikipedia)
Harta Karun Emas Indonesia “The Green Hilton Memorial Agreement ” di Geneva (Yoga Constantine)
Harta Amanah Soekarno (1) : Green Hilton Memorial Agreement Geneva 1963 (Indonesia Review)


          Forbes Middle East announce its 2017 Ranking of Top 100 Companies in the Arab World   


·         Saudi Arabia dominates the list with 36 companies
·         The total market value of the top 100 companies in the Arab world reached $772 billion
·         49% of the top 100 companies are from the banking and financial services sector
·         Global Telecom Holding (#33) was the top gainer
·         10 new companies joined the top 100 list
Dubai, U.A.E. June 20, 2017: In its June issue, Forbes Middle East unveiled its 2017 ranking of the Top 100 Companies in the Arab World
Saudi Arabia continues to dominate the list with 36 companies. SABIC, which is from the kingdom, emerged at the top. With the rise in oil prices, the total market value of the top 100 companies in the Arab world reached $772 billion in April 2017, gaining 12% compared to the previous year. Although aggregate net profits decreased by 9.7% to $52.9 billion, sales and total assets increased by 2.4% and 3.8% to reach $288.3 billion and $2.7 trillion respectively as companies’ operational performance was relatively stable.
Following a wave of mergers and acquisitions across the region, banks and financial services take the largest share in terms of sector. The industrial sector and telecommunications came in second and third with Etisalat (#5) being the biggest telecommunications company across all metrics and Industries Qatar (#31) as the biggest industrial company in the list.
Global Telecom Holding (#33) was the top gainer in the list. Breaking the ranks this year are 10 new entrants: Omantel (#71), National Bank of Bahrain (#83), LafargeHolcim Maroc (#89), Elsewedy Electric (#92), Emaar The Economic City (#94), Saudi Ground Services (#94), Advanced Petrochemical Company (#97), BBK (#98), National Bank of Oman (#99) and Mannai Corporation (#100).
Khuloud Al Omian, Editor in Chief of Forbes Middle East said, “Although oil prices drive the Arab region’s economy, the share of banking and financial services followed by telecommunication and industrial sector is a positive sign towards more vibrant growth for companies in the region.”
Methodology:
A total of 1,300 listed companies were selected across the Arab stock markets from Saudi Arabia, Qatar, Oman, Jordan, Egypt, Kuwait, Bahrain, U.A.E. (Abu Dhabi and Dubai), Lebanon, Morocco and Tunisia. Those suspended from trading or who didn’t disclose their 2016 financial statements were excluded. Four metrics were measured: market value, sales, net profit and total assets. Market value and currency conversions are as of April 6, 2017. The cut-off was $1.9 billion for market value, $849 million for sales, $133 million for net profit and $5 billion for total assets. Each company received four separate scores based on its ranking on each metric within the list. To qualify, a company had to meet the minimum for at least one metric. 154 listed companies qualified at minimum one metric. All four scores were added (equally weighted) to reach a composite score and rank the companies.
The complete list can be viewed at: 
About Forbes Middle East
Forbes Middle East is a licensee of Forbes Media, and extends the Forbes brand of journalism across the Arab world. Forbes Middle East's distinctive editorial style attracts a readership of Arab leaders, entrepreneurs, C-level executives, government officials and investors united by a belief in the spirit of free enterprise and entrepreneurial values. 
Across the region, Forbes Middle East sets the pace for preemptive business journalism. By uncovering trends and anticipating opportunities in the regional marketplace, each monthly issue brings top executives the information critical to their success – in both Arabic and English language editions.
The magazine researches and publishes original rankings, based on methodologies set by Forbes Media.

For more information, please visit www.forbesmiddleeast.com or follow us social on Facebook, Twitter and LinkedIn.

فوربس الشرق الأوسط تلعن عن
 أقوى 100 شركة في العالم العربي لعام 2017
-         المملكة العربية السعودية تتصدر القائمة بـ 36 شركة
-         772 مليار دولار القيمة السوقية الإجمالية لأقوى 100 شركة في العالم العربي
-         قطاع البنوك والخدمات المالية يهيمن على القائمة بـ 49%
-         غلوبال تيلكوم القابضة أكبر الرابحين
-         10 شركات جديدة في قائمة أقوى 100 شركة في العالم العربي

دبي، 20 يونيو 2017:
كشفت مجلة "فوربس الشرق الأوسط" في عددها الصادر في شهر يونيو/حزيران عن قائمتها لأقوى 100 شركة في العالم العربي. أظهرت القائمة تحسنا في أداء الشركات في المنطقة العربية خلال عام 2016، بسبب ارتفاع أسعار النفط مقارنة بالعام الذي سبقه.
واستطاعت الشركات التي أوردتها القائمة أن تحقق زيادة في المبيعات وإجمالي الأصول بنسبة 2.4 % و3.8 % لتصل إلى 288.3 مليار دولار و2.7 ترليون دولار على التوالي، حيث شهد الأداء التشغيلي للشركات استقرارًا نسبياً، على الرغم من أن صافي الأرباح الإجمالية انخفض بنسبة 9.7% ليصل إلى 52.9 مليار دولار. وبلغت القيمة السوقية الإجمالية لأقوى 100 شركة في العالم العربي 772 مليار دولار في أبريل/ نيسان2017، بزيادة نسبتها 12% عن العام السابق.
وقد فرضت الشركات السعودية وجودها على القائمة بشكل كبير، ممثلة بـ 36 شركة، بمجموع أصول قدرت بنحو 944.7 مليار دولار ومجموع مبيعات تقدر بـ 135.6 مليار دولار، واحتلت الشركة السعودية للصناعات الأساسية (سابك) المركز الأول بوصفها أكبر شركة في السعودية والعالم العربي. فيما حلّت قطر والإمارات في المركز الثاني والثالث بـ 19 و 17 شركة على التوالي.
وبالنظر إلى القطاعات، جاء قطاع البنوك والخدمات المالية الذي يشهد موجة من عمليات الدمج والاستحواذ في الإمارات والسعودية وقطر والمغرب ومصر صدارة القائمة بـ 49 %، ولا يزال (بنك قطر الوطني) الذي حاز المركز الثاني، يحتفظ بمكانته كأكبر بنك مدرج للتداول في المنطقة، يليه (بنك أبوظبي الأول) في المركز الـ 3، وهو ثمرة الاندماج بين (بنك أبو ظبي الوطني) و(بنك الخليج الأول).
فيما جاء قطاعا الاتصالات والصناعة في المرتبتين الثانية والثالثة على التوالي، فقد برزت (اتصالات) في المركز الـ 5، بوصفها أكبر شركة اتصالات في العالم العربي بالمقاييس كلها، و(صناعات قطر) في المركز الـ31 بوصفها أكبر شركة صناعية في القائمة.
وكانت (غلوبال تيلكوم القابضة) بالمركز 33 أكبر الرابحين، وعدت الشركة الأكثر تقدما في قائمة هذا العام إذ استطاعت أن تقفز من المركز 85 إلى 52. وقد زادت الشركة إجمالي أصولها بنسبة 18% لتصل إلى 5.6 مليار دولار.
وشهدت قائمة هذا العام إضافة 10 شركات جديدة وهي: (عمانتل) في المركز (71) و(بنك البحرين الوطني) في المركز 83، و(لافارج هولسيم المغرب) في المركز 89 و(السويدي الكتريك) في المركز 92، و(اعمار المدينة الاقتصادية) في المركز 94، و(الشركة السعودية للخدمات الارضية) في المركز 94، و(الشركة المتقدمة للبتروكيماويات) في المركز 97 و(بنك البحرين والكويت) في المركز 98، و(البنك الوطني العماني) في المركز 99، (مجمع شركات المناعي التجارية) في المركز 100.
وصرحت خلود العميان، رئيس تحرير فوربس الشرق الأوسط: "على الرغم من أن أسعار النفط تدفع باقتصاد المنطقة العربية، إلا أن قطاع البنوك والخدمات المالية، يليه قطاعا الاتصالات والصناعة، يسهم ويعد كعلامة إيجابية نحو نمو أكثر حيوية لشركات المنطقة".
المنهجية
بدأنا ب 1300 شركة مدرجة في أسواق الأسهم العربية من السعودية وقطر وعُمان والأردن ومصر والكويت والبحرين والإمارات (أبوظبي ودبي) ولبنان والمغرب وتونس. كما استثنينا الشركات المساهمة العامة التابعة للشركات المدرجة، وتلك الموقوفة عن التداول، بالإضافة إلى الشركات التي لم تكشف عن بياناتها المالية المدققة لعام 2016 . ولإنشاء قائمة أقوى الشركات في العالم العربي، استخدمنا 4 معايير: القيمة السوقية والمبيعات وصافي الأرباح وإجمالي الأصول. واعتمدت القيمة السوقية وتحويلات العملات في 6 أبريل/ نيسان 2017 . فيما كان الحد الأدنى لدخول القائمة 1.9 مليار دولار للقيمة السوقية، و 849 مليون دولار للمبيعات، و 133 مليون دولار لصافي الأرباح و 5 مليارات دولار لإجمالي الأصول. وحصلت كل شركة على 4 تقييمات بناءً على مرتبتها في كل معيار ضمن القائمة.
ويشترط على الشركة أن تلبي الحد الأدنى في معيار واحد على الأقل لضمان التأهل، فيما تحصل على درجة صفر في حال كانت دون الحد الأدنى المعتمد. وتأهلت 154 شركة مدرجة في معيار واحد على الاقل.
ثم قمنا بجمع المعايير ال 4 (بأوزان نسبية متساوية) لبلوغ درجة مجمعة لتصنيف الشركات. فكانت (سابك) الأعلى درجة بينها، و(مجمع شركات المناعي التجارية) في المركز 100.
للإطلاع على القائمة كاملة: قائمة 100 شركة في العالم العربي 2017    
                            

          BUSINESSMAN ABDUL AZIZ AL GHURAIR DISCUSSES HIS PHILANTHROPIC EDUCATION INITIATIVES IN EGYPT AND THE REGION AT A PRESS CONFERENCE AT AUC    


June 18, 2017, Cairo – The American University in Cairo (AUC) held a press conference with Emirati businessman and philanthropist, H.E. Abdul Aziz Al Ghurair, CEO of Mashreq Bank and Chairman of the Abdulla Al Ghurair Foundation for Education (AGFE), one of the largest privately funded philanthropic education initiatives in the world, to discuss the foundation’s collaboration with AUC and its educational initiatives in Egypt and the region. Al Ghurair, who was the keynote speaker at the commencement ceremony for AUC’s bachelor’s degree candidates this year, received the degree of Doctor of Humane Letters, yesterday at the ceremony in recognition of his global leadership and dedication to transforming the educational landscape and providing learning opportunities for deserving students throughout the Arab world. Speakers at the press conference were H.E. Abdul Aziz Al Ghurair; Maysa Jalbout, CEO of the Abdulla Al Ghurair Foundation for Education; Francis J. Ricciardone, president of AUC and Yousef Berbar, a student of mechanical engineering of Al Ghurair STEM Scholars Program at AUC.
“As Chairman of the Abdulla Al Ghurair Foundation for Education, Abdul Aziz Al Ghurair blazes a new trail for Arab philanthropy, built on his father’s legacy and a deep family commitment to education, said Ricciardone addressing the media. He added that Al Ghurair’s father, who followed in the footsteps of his grandfather before him, constructed the first co-ed boarding school in the Northern Emirates in 1964. Inspired by his faith and a sense of duty to advance the Emirates and the Arab world, his father gave a third of his wealth to establish his family foundation last year. “In his role as the Foundation’s Chairman, Abdul Aziz Al Ghurair bring his business acumen and a results-driven focus that set an example of philanthropy at its best, Ricciardone said.
Emphasizing the role of businessmen to give back to their societies, Al Ghurair noted “Philanthropists have an important role to play in our region. We need to work in partnership with government, civil society and the private sector to address the most critical challenges we are facing. We must focus on the best investments we can make, especially education, and insist on results in the same we do in our businesses”.
Launched in July 2015 with an investment of $1.1 billion, the Abdulla Al Ghurair Foundation for Education has committed to reaching a minimum of 15,000 Arab youth over the next 10 years, equipping them with the knowledge and skills they need to fulfill their promise as the future leaders of the region. A Memorandum of Understanding (MoU) was signed between the foundation and AUC in 2016 to create opportunities for high-achieving, underserved Arab youth to access and succeed in higher education through the foundation’s Science, Technology, Engineering, and Math (STEM) Scholars Program. A scholarship program was established under the name of Al Ghurair STEM Scholars that targeted high-achieving Arab students, while AUC facilitated academic, career and mentorship support, as well as community service and internship opportunities that Al Ghurair STEM Scholars need to succeed in their education and future employment.

AUC is one of only four regional universities to partner with AGFE. Today, AUC is the only partner in Egypt and one of 12 universities around the world, including some of the best schools in Canada and the USA such as McGill University and MIT.

The first cohort of students enrolled at AUC for the 2016 fall and spring semester, included 43 Al Ghurair scholars, both undergraduate and graduate students. By fall 2017, the number will increase to reach 100 scholars at AUC, who are bright, performing and deserving students from Egypt and the Arab world.  
“We are thrilled to be more than doubling the number of students this coming academic year," said Maysa Jalbout, CEO of AGFE."  "The Abdulla Al Ghurair Foundation in Education and The American University in Cairo are committed to continuing to expand our partnership in service of deserving Arab youth,” Jalbout added.
In addition to the 100 Ghurair scholars, AUC offers more than 90 named scholarships supported by individuals and corporations to support underserving brilliant students who are not able to afford education at AUC. This fall, 2720 students received scholarships at AUC. In addition, more than 50 percent of students receive some form of assistance with tuition.
Further demonstrating his commitment to service, Al Ghurair is the president of FBN GCC, a nonprofit international network that is run by family businesses, for family businesses. Al Ghurair is also a trustee of New York University President’s Global Council and is on the board of directors of Emirates Foundation.
Since 2012, Al Ghurair has been the chairman of the UAE Banking Federation. Moreover, he is the vice chairman of the higher board of Dubai International Financial Centre, and chairman of Masafi Company and Oman Insurance.
Al Ghurair has received numerous honors and recognitions for his leadership in business and philanthropy, such as the Innovator of the Year and Lifetime Achievement Awards from Gulf Business Industry Awards, Best CEO Award from CEO Middle East magazine, Lifetime Achievement Award from The Arab Bankers Association of North America and many more.
For more information about the university news and events follow us on Facebook http://www.facebook.com/aucegypt
And Twitter @AUC
Founded by Abdulla Ahmad Al Ghurair in July 2015, the Abdulla Al Ghurair Foundation for Education provides high-achieving, underserved Emirati and Arab youth with unrivalled educational opportunities. The Foundation’s board of trustees is chaired by His Excellency Abdul Aziz Al Ghurair, Abdulla Ahmad Al Ghurair’s son. The Foundation’s primary focus is to create opportunities for at least 15,000 promising Arab youth from underprivileged backgrounds and help them prepare for university, work and life. With an initial budget of AED 4.2 billion over the next 10 years, the Foundation awards scholarships based on a highly competitive process.


The American University in Cairo (AUC) was founded in 1919 and is major contributor to the social, intellectual and cultural life of the Arab Region. It is a vital bridge between East and West, linking Egypt and the region to the world through scholarly research, partnerships with academic and research institutions, and study abroad programs. An independent, nonprofit, apolitical, non-sectarian and equal opportunity institution, AUC is fully accredited in Egypt and the United States






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          Regional Council honours exemplary citizens in Waterloo Region   

Waterloo Region – The Region honoured Young Heritage Leaders and the Ontario Senior of the Year at Regional Council Wednesday night.

“We are very fortunate to have such dedicated citizens in our community who give so much of their time to the community in which we live,” said Regional Chair Ken Seiling.

Ontario Senior of the Year

James Brodie was presented with the Ontario Senior of the Year award. Jim retired from a long career in banking in 1999 and now volunteers for the Region helping low income residents complete their annual income tax returns. Jim has completed over 12,000 tax returns since he started volunteering in 2008. 

The Canadian income tax system has become an increasingly important source of financial support to low income individuals and families. The significance of filing taxes has become more important to residents so they can access these benefits. Jim’s work has helped ensure that many people in Waterloo Region obtain the benefits for which they are eligible.  

Jim has truly made our community a better place by volunteering his skills and services.

Ontario Heritage Trust Award – Young Heritage Leader

Chiara Power was the recipient of the Young Heritage Leader award. Chiara has been a volunteer with the Waterloo Region Museum for two years and had already contributed close to 200 hours of time. She has helped with both special events and the museum’s signature program, “Day in the Life” where Chiara dresses in historic costume and assists visitors with hands-on activities, and does demonstrations and presentations.

Chiara is well liked by the staff and visitors at the museum and she consistently performs beyond expectations. She has outstanding qualities that make her a wonderful young heritage leader.

Ontario Heritage Trust Award – Young Heritage Leaders (Group)

Eastwood Collegiate Institute (ECI) was presented with the group award for Young Heritage Leaders. Since 1998, various teachers and their students at ECI have volunteered at the Waterloo Wellington Children’s Groundwater Festival. Each year, teacher Ms. Wood and a group of high school students help animate the 50 hands-on, interactive learning centres.

The students make the activities interactive, interesting and entertaining for the young visitors. They challenge the children to consider the importance of water to themselves as individuals and to society at large. They teach the children to respect and conserve our valuable water resources, so they can become the water stewards of the future.

The students at Eastwood Collegiate Institute are wonderful role models and set a great example of youth making a difference in their community.

-30-

For more information, please contact:

Bryan Stortz, Director of Communications, 519-575-4408


          Financial Solutions Advisor - Bank of America - Burlington, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
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          Financial Solutions Advisor- Central Valley Areas - Bank of America - Canyon Country, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
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          Financial Solutions Advisor- North Orange County/LA Areas - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
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          Financial Solutions Advisor- North Orange County/LA - Bank of America - Hawthorne, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
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          Financial Solutions Advisor- South Orange County Areas - Bank of America - Irvine, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
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          Financial Solutions Advisor- South Orange County Areas - Bank of America - Newport Beach, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
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          Financial Solutions Advisor - North Hialeah Financial Center - Bank of America - Hialeah, FL   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
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          Financial Solutions Advisor - Bank of America - Cary, NC   
Job Description: Position Description The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment
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          The First 100 Days: 'A Standard That Not Even Roosevelt Achieved'   
https://www.youtube.com/watch?v=nGywVRg6V3M The idea of measuring an American president by the accomplishments of his first 100 days in office goes back to 1933 and President Franklin Delano Roosevelt's dash to staunch a banking crisis and pull America out of the Great Depression. In a July 24, 1933, fireside chat , he assessed the early months of his administration. "I think that we all wanted the opportunity of a little quiet thought to examine and assimilate in a mental picture the crowding events of the hundred days which had been devoted to the starting of the wheels of the New Deal," Roosevelt said. He had signed a record 15 major pieces of legislation in those first 100 days. But it's not as simple as the legend would make it seem. "Presidents since Roosevelt have been held up to a standard that not even Roosevelt achieved," said historian Patrick Maney, a professor at Boston College who has written books about Presidents Clinton and FDR. So Maney is on something of a quixotic
          Bilingual Credit Effectiveness Review Associate - RBC - Canada   
You will be responsible for day to day credit risk mitigation and post loan reviews for Credit Adjudication, Canadian Banking Retail and Small Business...
From RBC - Thu, 22 Jun 2017 22:43:58 GMT - View all Canada jobs
          Personal Banking Specialist - ATB Financial - Castor, AB   
Provide relevant needs-based advice to our customers by understanding their goals and priorities. Your customers would describe you as the most committed,...
From ATB Financial - Tue, 13 Jun 2017 22:10:07 GMT - View all Castor, AB jobs
          The United States finances wars through inflation: Former US Congressman and political analyst Ron Paul   
Former US Congressman Ron Paul
The United States finances wars through inflation and that “most wars are fought on inflated money,” according to former US Congressman and political analyst Ron Paul.
Dr. Paul, a three-time American presidential candidate and the founder of the Ron Paul Institute for Peace and Prosperity, made the remarks in an interview on Friday while discussing US monetary policy and the need for a better system centered on sound money.
The senior American statesman said that from diluting gold in coins and clipping coins “in the old days” to using a computer to create new US dollars today, “financing war through inflation is traditional.”
“If the people had to pay for the war as we went along, it wouldn’t happen. You don’t get enough taxes, you don’t get enough borrowing to fight these wars,” he stated.
“And we have the license to steal because we issue the reserve currency of the world. And most of the countries still accept our dollar, even though we’re currently witnessing, in the last few days, a pretty steady attack on the dollar which I think is going to continue, and of course might get much worse,” Dr. Paul said.    
“The money issue is a freedom issue, because if you don’t like the welfare state you have to understand about money, if you don’t like the warfare state, you have to understand that about money,” he added.
“If you care about individual, personal liberty you would have to be a supporter of a commodity...currency, of course, the history shows has always been gold along with silver -- the most preferable type of money,” he observed.  
The Fed, the source of trouble
The US Federal Reserve System serves as a central bank and monitors banking practices.
Dr. Paul has maintained strong positions against the military-industrial complex and the Federal Reserve, each of which he considers responsible for many of the ills afflicting the United States.
The basic source of the economic trouble is America’s central banking system, known as the Federal Reserve or the Fed, which cannot function in a real market economy, he once said.  
“In a true free market economy you have to have people work, use what they need to live on and then save money, and that dictates interest rates and tells businessmen what they should do. Well, that isn’t the way it works anymore,” the veteran former politician said in an interview in 2015, and warned that the biggest economic crash ever would hit the American economy.
“The so-called capital comes from the Fed and they create it out of thin air. So everything is a mistake and everything is going to be volatile,” he observed. 

          Customer Representative - Woodstock, NB - part-time - Scotiabank - Woodstock, NB   
Scotiabank helps to build bright futures worldwide through ethical banking practices, environmental awareness and a commitment to communities....
From Scotiabank - Thu, 29 Jun 2017 18:49:52 GMT - View all Woodstock, NB jobs
          Senior Analyst, Predictive Modeling & Data Science - BMO Financial Group - Toronto, ON   
Lev. The Advanced Analytics &amp; Journey Science group partners with internal Personal and Commercial Banking Canada partners, and various lines of business across...
From BMO Financial Group - Sat, 24 Jun 2017 00:46:45 GMT - View all Toronto, ON jobs
          Paralegal - Al Tamimi - Dubai   
It has particular expertise in arbitration &amp; ADR, banking &amp; finance, dispute resolution &amp; litigation, IP &amp; data security, shipping &amp; aviation, project &amp;...
From Al Tamimi - Wed, 28 Jun 2017 09:17:34 GMT - View all Dubai jobs
          (USA-NY-New York) Project Employee - Consultant - Banking, Insurance and Capital Markets - Multiple Locations   
Navigant Consulting, Inc. (NYSE: NCI) is a specialized, global professional services firm that helps clients take control of their future. Navigant’s professionals apply deep industry knowledge, substantive technical expertise, and an enterprising approach to help clients build, manage and/or protect their business interests. With a focus on markets and clients facing transformational change and significant regulatory or legal pressures, the Firm primarily serves clients in the healthcare, energy and financial services industries. Across a range of advisory, consulting, outsourcing, and technology/analytics services, Navigant’s practitioners bring sharp insight that pinpoints opportunities and delivers powerful results. More information about Navigant can be found at navigant.com. Our Consumer Finance practice brings together a team of over 100 experienced consulting professionals and industry leaders to develop and implement solutions that create high-performing companies and organizations. Our extensive consumer finance industry experience spans all consumer finance products including mortgage (originations, servicing, default, and securitizations), retail, , credit card, student lending, and auto lending. . Our team of professionals includes risk management and compliance professionals, internal and forensic auditors, CPAs, data analysts, Lean Six Sigma experts, and information management specialists.As a member of our team, you can expect to be engaged with clients at leading financial services institutions, devising solutions for their most difficult challenges. We offer solutions in six primary areas: + **Risk Management** **and Regulatory Compliance** – We help our client’s risk, compliance, and control functions assess, analyze, and control activities and events that may hinder their ability to achieve operational, financial, and strategic objectives; meet regulatory compliance expectations, and respond to regulator actions. + **Operations Strategy and Effectiveness** – We partner with executives to solve critical operational challenges and attain efficient, reliable operations, systems, policies, and procedures that reduce the cost of doing business, ensure a consistent and positive experience for customers, and maintain regulatory compliance. + **Technology Advisory and Enablement** – We provide our clients with expert independent advice and end-to-end implementation assistance in aligning information technology with operational business needs and managing IT security risks. + **Accounting and Financial Reporting** – We help our clients measure financial performance by leveraging our experience in accounting policy, financial reporting, and valuation. + **Quantitative Analytics** – We help our clients make sound, data driven decisions through our model development, model validation, and data analytics services. + **Business Process Outsourcing** – We provide outsourcing solutions to help clients improve efficiency in claims processing, data conversion / scrubbing, and loan testing, all within a highly secure and quality-controlled environment. . + **This role can be based in any of the following locations: Charlotte, NC; New York, NY.** + **Client Service** – Execute and deliver high quality engagement tasks both independently and in a collaborative setting with a focus on client satisfaction + **Problem solving –** Deconstruct our clients’ most challenging problems and develop innovative, industry leading solutions, approaches and methodologies + **Project management** – Play a lead role in supporting key client projects, ensuring projects are completed in an efficient manner to meet client deadlines + **Practice development** – Participate in the management and development of practice initiatives (e.g., recruiting, people and culture, internal communications, and training) + **Business development** – Engage in the pursuit of new business including drafting documents, proposals and client presentations + **Industry knowledge and development** – Expand your industry knowledge, contribute to the development of consulting capabilities and effectively articulate our key business propositions to clients + Capital Markets & Institutional Brokerage experience + Knowledge of and exposure to Repo trading + Experience leading cross-functional project teams using a business consulting approach: + Ability to understand complex problems, identifying solutions and develop clear options and recommendations + Highly organized and disciplined project management skills with a proven track record of delivery of complex solutions from inception to implementation + Ability to manage multiple streams of work simultaneously + Excellent written and verbal communication and interpersonal skills + Effectively present to the target audience (technology, business, vendors, etc.) + Experience with system integration / project management / application development + Demonstrated understanding and use of a project management methodologies, and/or a process improvement methodologies + Demonstrated understanding and use of a System Development Lifecycle (SDLC) methodologies + Knowledge of complex IT environments - cross functional areas, large number of interfaces and data sources + Demonstrated process management, problem solving, execution and decision-making skills + Proficient analytical and data management skills + Proficient financial management, quality management, presentation and organization skills + Proficiency in MS Project, MS Word, MS Excel, MS Power Point, MS Access and SharePoint + Bachelor’s degree, MBA preferred + Frequently communicates with clients and coworkers and must be able to share information effectively + Strong conceptual, as well as quantitative and qualitative analytical skills + Work as a member of a team as well as be a self-motivator with ability to work independently + Flexibility and responsiveness in managing multiple projects in sometimes high-pressure situations simultaneously + Able to travel via airplane with minimal assistance to client sites across the US and potentially internationally + Usually remains stationary for the majority of the day + Regularly uses close visual acuity and operates computer equipment to prepare and analyze and transmit data The company offers competitive compensation packages including an incentive compensation plan, comprehensive medical/dental/life insurance, 401(k) and employee stock purchase plans. **_Navigant does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Navigant and Navigant will not be obligated to pay a placement fee._** **Navigant** is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, ancestry, citizenship status, protected veteran status, religion, creed, physical or mental disability, medical condition, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation.
          (USA-NC-Charlotte) Project Employee - Consultant - Banking, Insurance and Capital Markets - Multiple Locations   
Navigant Consulting, Inc. (NYSE: NCI) is a specialized, global professional services firm that helps clients take control of their future. Navigant’s professionals apply deep industry knowledge, substantive technical expertise, and an enterprising approach to help clients build, manage and/or protect their business interests. With a focus on markets and clients facing transformational change and significant regulatory or legal pressures, the Firm primarily serves clients in the healthcare, energy and financial services industries. Across a range of advisory, consulting, outsourcing, and technology/analytics services, Navigant’s practitioners bring sharp insight that pinpoints opportunities and delivers powerful results. More information about Navigant can be found at navigant.com. Our Consumer Finance practice brings together a team of over 100 experienced consulting professionals and industry leaders to develop and implement solutions that create high-performing companies and organizations. Our extensive consumer finance industry experience spans all consumer finance products including mortgage (originations, servicing, default, and securitizations), retail, , credit card, student lending, and auto lending. . Our team of professionals includes risk management and compliance professionals, internal and forensic auditors, CPAs, data analysts, Lean Six Sigma experts, and information management specialists.As a member of our team, you can expect to be engaged with clients at leading financial services institutions, devising solutions for their most difficult challenges. We offer solutions in six primary areas: + **Risk Management** **and Regulatory Compliance** – We help our client’s risk, compliance, and control functions assess, analyze, and control activities and events that may hinder their ability to achieve operational, financial, and strategic objectives; meet regulatory compliance expectations, and respond to regulator actions. + **Operations Strategy and Effectiveness** – We partner with executives to solve critical operational challenges and attain efficient, reliable operations, systems, policies, and procedures that reduce the cost of doing business, ensure a consistent and positive experience for customers, and maintain regulatory compliance. + **Technology Advisory and Enablement** – We provide our clients with expert independent advice and end-to-end implementation assistance in aligning information technology with operational business needs and managing IT security risks. + **Accounting and Financial Reporting** – We help our clients measure financial performance by leveraging our experience in accounting policy, financial reporting, and valuation. + **Quantitative Analytics** – We help our clients make sound, data driven decisions through our model development, model validation, and data analytics services. + **Business Process Outsourcing** – We provide outsourcing solutions to help clients improve efficiency in claims processing, data conversion / scrubbing, and loan testing, all within a highly secure and quality-controlled environment. . + **This role can be based in any of the following locations: Charlotte, NC; New York, NY.** + **Client Service** – Execute and deliver high quality engagement tasks both independently and in a collaborative setting with a focus on client satisfaction + **Problem solving –** Deconstruct our clients’ most challenging problems and develop innovative, industry leading solutions, approaches and methodologies + **Project management** – Play a lead role in supporting key client projects, ensuring projects are completed in an efficient manner to meet client deadlines + **Practice development** – Participate in the management and development of practice initiatives (e.g., recruiting, people and culture, internal communications, and training) + **Business development** – Engage in the pursuit of new business including drafting documents, proposals and client presentations + **Industry knowledge and development** – Expand your industry knowledge, contribute to the development of consulting capabilities and effectively articulate our key business propositions to clients + Capital Markets & Institutional Brokerage experience + Knowledge of and exposure to Repo trading + Experience leading cross-functional project teams using a business consulting approach: + Ability to understand complex problems, identifying solutions and develop clear options and recommendations + Highly organized and disciplined project management skills with a proven track record of delivery of complex solutions from inception to implementation + Ability to manage multiple streams of work simultaneously + Excellent written and verbal communication and interpersonal skills + Effectively present to the target audience (technology, business, vendors, etc.) + Experience with system integration / project management / application development + Demonstrated understanding and use of a project management methodologies, and/or a process improvement methodologies + Demonstrated understanding and use of a System Development Lifecycle (SDLC) methodologies + Knowledge of complex IT environments - cross functional areas, large number of interfaces and data sources + Demonstrated process management, problem solving, execution and decision-making skills + Proficient analytical and data management skills + Proficient financial management, quality management, presentation and organization skills + Proficiency in MS Project, MS Word, MS Excel, MS Power Point, MS Access and SharePoint + Bachelor’s degree, MBA preferred + Frequently communicates with clients and coworkers and must be able to share information effectively + Strong conceptual, as well as quantitative and qualitative analytical skills + Work as a member of a team as well as be a self-motivator with ability to work independently + Flexibility and responsiveness in managing multiple projects in sometimes high-pressure situations simultaneously + Able to travel via airplane with minimal assistance to client sites across the US and potentially internationally + Usually remains stationary for the majority of the day + Regularly uses close visual acuity and operates computer equipment to prepare and analyze and transmit data The company offers competitive compensation packages including an incentive compensation plan, comprehensive medical/dental/life insurance, 401(k) and employee stock purchase plans. **_Navigant does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Navigant and Navigant will not be obligated to pay a placement fee._** **Navigant** is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, ancestry, citizenship status, protected veteran status, religion, creed, physical or mental disability, medical condition, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation.
          (USA-FL-St. Augustine) Restaurant Service Manager (NRO - Palm Coast)   
Restaurant Service Manager (NRO - Palm Coast) (17015648) Description The Service Manager is responsible for maintaining a positive customer experience by ensuring safe and quality food is prepared and served; and that the restaurant crew is well trained and provides good customer service. He/she maintains a clean, organized line with properly functioning line equipment. The responsibilities of this position require Service Managers to be on their feet working while clocked in, unless on break. If they are not busy, they are expected to evaluate what other tasks need to be completed, and assist others with those tasks. In addition to following Chipotle’s policies and procedures, principal responsibilities include, but are not limited to: **Food Quality **Making sure great tasting, high quality food is served. Resolving food quality issues. Managing food safety which includes the following: ensuring hand washing and glove changes, monitoring time and temperature on the line, monitoring secondary shelf lives, and enforcing the Daily Food Safety Checklist and food safety policies and procedures. **Customer Interaction **Resolving customer incidents and working to ensure positive customer experiences. **Team Management **Managing crew breaks, shift changes, shift meetings, and line schedules. Developing and cross-training all front of house Crew. Assisting with Crew performance reviews and the resolution of performance issues. Training and developing future Service Managers. **Office Administration **Assisting with miscellaneous office administration duties such as: banking, cash handling policies and responsibilities, and office paperwork. Overseeing office equipment and making sure office supplies are ordered as necessary. Ensuring the proper quantity of supplies are available as needed. Troubleshooting back of house computers and POS system. **Miscellaneous **Ensuring the line and reach-in cooler are organized and clean. Managing daily and weekly cleaning of the line, dining room, restrooms, and patio. Assisting with the execution of marketing promotions. **The ideal candidate will**: • Have Chipotle Crew member and/or Kitchen Manager experience • Be able to understand and articulate Chipotle’s Food With Integrity philosophy • Have knowledge and experience of cash handling policies and procedures • Have knowledge of Food Safety and health department matters • Have managed office paperwork management before • Have the knowledge and ability to speak, write, read, and understand the primary language(s) of the work location • Have a high school diploma • Have restaurant experience Primary Location: Florida - St. Augustine - 2277 - St. Augustine-(02277) Work Location: 2277 - St. Augustine-(02277) 1753 US Highway 1 S. St. Augustine 32084
          (USA-OH-Hamilton) Collections Account Executive   
Barclays moves, lends, invests and protects money for customers and clients worldwide . Please visit our website here for more information. * * */ /* */ Collections: /* Collections are a unit with purpose to support our customers when they have difficulty in paying their consumer card in a timely manner. Collections Management and Support Services are comprised of three pillars. These pillars functions are non-customer facing which is the support staff that handles all the back-off tasks. The 2nd pillar is Customer Facing which manages the phone lines to support the agents, debt management agencies and our military personal. The final pillar is the facilitator which is unique in supporting Operations. / / **Overall purpose of role:** The Collections Account Support Specialist is a support staff agent who is required to be a subject matter expert in all the following: * Customer Complaints (Level 1 and 2) * Reviewing and addressing the issue * Analyze and interpret both the desktop and green screen account data to root cause failures in process, procedure or agent. * Communicate findings to management, customer or other departments * Incoming mail correspondence analysis and remediation * Business Process Management cases analysis and remediation * Audit Automation reconciliation * Review failures in process to remediate and address * Supplier support * Managing the facilitation of media through the DST portal and reconciling to the requests submitted by the suppliers * Potential to assist managing the Collections Management Support Service phone lines to service internal and external customers. / / **Key Accountabilities and Skills required:** * * * Work closely with Partners to ensure a positive experience and provide prompt resolution to issues. * Handle all Collections related written correspondence from the customer this includes understanding how to analyse and interpret a multitude of different documents. Many of these documents are legal in nature and require critical thinking as if handled incorrectly could place the bank at risk. These documents include Cease and Desist Communication, Legal Representation, Bankruptcy Notices, Deceased Notices, Financial Hardship or SCRA Expert in handling responses submitted through our Business Process Management Tool (BPM). This requires a thorough knowledge of front and back office Operation processes. * Handle the manual updates to the credit reports for our supplier network * Requires a keen attention to detail as this process is highly regulated by FCRA * Provide media documents to all 3rdparty suppliers within SLA to keep us compliant to our contractual obligations * Manage our SCRA process including the written, verbal and proactive enrolment. Manage control reports that manage Operational processes to make sure they are working properly and reduce our potential risks * Requires a thorough knowledge of all program set-up attributes * Requires a high level understanding of Operational strategic practices to identify failures * Work with Senior Leadership to create projects or charters for enhancement to the colleague experience as it relates to the processes or tools available. (Must be a Subject Matter Expert in the process being recommended for enhancement) * Provide updates to Senior Management on processes identified to ensure that they adhere to the standards set for a positive customer experience * Engage with outside agencies and suppliers to provide feedback which requires handling themselves in a professional and courteous manner at all times **Risk and Control Objective: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards** **Your Skills and Qualifications will include:** o * Basic Qualifications * o 1 -3 years collections experience in banking or credit card Service Center o High School Diploma or Equivalent o Experience with Microsoft Office products such as Excel, Word and PowerPoint ****Preferred Qualifications:** o Thorough knowledge of Collections systems, procedures, and regulations. o Excellent judgment, professionalism, leadership o Excellent verbal and written communications skills; able to deliver feedback effectively and express thoughts concisely. **The Benefits:**Our customers deserve the best. The same goes for our employees. That's why at Barclays you'll receive a range of benefits that include a competitive salary and all the tools, technology and support you need to succeed. * * **Our Culture:**Everything we do is shaped by the five values of Respect, Integrity, Service, Excellence and Stewardship. The values inform the foundations of our relationships with customers and clients, but they also shape how we measure and reward the performance of our employees. Simply put, success is not just about what you achieve, but about how you achieve it. Dynamic working gives everyone at Barclays the opportunity to integrate professional and personal lives, if you have a need for flexibility then please discuss this with the hiring manager. Barclays is an equal opportunity employer and are opposed to discrimination on any grounds.* *For more detailed information, please visit our dedicated Diversity and Inclusion site here . * * **EEO statement:** It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, creed, religion, national origin, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information, or any other basis protected by law. **Title:** **Collections Account Executive** **Location:** **Ohio-Hamilton** **Requisition ID:** **90130680*
          (USA-VA-Charlottesville) Editor, Bank News   
Position Description *The Role:* Are you seeking a rewarding leadership role? As an editor with the bank news team, you will deliver fast-paced news while collaborating with a team that spans four countries. Coverage includes U.S. banks and the regulations, trends and economic events that impact them. *Location:* Charlottesville, VA or Arlington, VA *The Team:* Do you love to collaborate? With a global newsroom of more than 250 reporters and editors across five continents, you will have the opportunity every single day to work with people from a wide variety of backgrounds and to develop a close team dynamic with co-workers from around the globe. In this role, you will lead a team of 10 based in several operating sites. *The Impact:* Our journalists combine subject matter expertise, a real passion for news and best-in-class data. We comb through regulatory filings, attend top industry events, and monitor market trends to bring readers the information they need to know. Our comprehensive and timely news gathering operation combined with our enterprise journalism creates a unique news source essential to any sector-focused professional. *What's in it for you:* * Explore a highly-rewarding career path with room for professional growth, recognition and rewards. * Utilize our extensive database of market, regulatory and corporate data to enrich your ability to deliver high-quality news. * Brainstorm with colleagues who share deep knowledge and passion about the sectors they cover. * Enjoy a casual working environment. *Responsibilities:* * Edit news articles for accuracy, style and content. * Adhere to daily and weekly deadlines. * Shape your team's daily content by developing fresh story ideas and delivering sharp, concise content and prioritizing news coverage. * Coach and mentor team members. *What we're looking for:* *Basic Qualifications:* * 5 years experience leading a daily news team. * Strong editing skills and a strong command of journalistic practices (AP style, libel issues, etc.). * An affinity for analyzing numbers, using in-house data intelligence, financial reports and other industry information. * Strong communication skills:* You will need to be able to deliver feedback effectively to reporters across the globe. *Preferred Qualifications:* * Business journalism experience. * Knowledge of financial market & economic trend analysis * Experience covering the US Banking sector a big advantage. * Experience leading remote teams. *About S&P Global Market Intelligence* At S&P Global Market Intelligence, we know that not all information is important—some of it is vital. Accurate, deep and insightful. We integrate financial and industry data, research and news into tools that help track performance, generate alpha, identify investment ideas, understand competitive and industry dynamics, perform valuation and assess credit risk. Investment professionals, government agencies, corporations and universities globally can gain the intelligence essential to making business and financial decisions with conviction. *S&P Global Market Intelligence is a division of S&P Global (NYSE:* SPGI), which provides essential intelligence for individuals, companies and governments to make decisions with confidence. For more information, visit,S&P Global Market Intelligence * - To all recruitment agencies - :* S&P Global does not accept unsolicited agency resumes. Please do not forward such resumes to any S&P Global employee, office location or website. S&P Global will not be responsible for any fees related such resumes. S&P Global is an equal opportunity employer committed to making all employment decisions on the basis of merit, capability and equality of opportunity, and without regard to race - ethnicity, gender, pregnancy, gender identity or expression, color, creed, religion, national origin, age, disability, marital status (including domestic partnerships and civil unions), sexual orientation, military veteran status, unemployment status, or any other basis prohibited by federal, state or local law, or any other characteristic that has no bearing on a person s ability to perform his or her job. *Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to:* EEO.Compliance@spglobal.comand your request will be forwarded to the appropriate person. The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law.
          (USA-FL-Tampa) Personal Banker 2, 3 or 4 FT (40 Hours) Van Dyke   
Personal Banker 2, 3 or 4 FT (40 Hours) Van Dyke-W441089 *Description* Our Branch Banking Teammates are often the first to meet new clients and the ones who start them on the path to reaching their financial goals. We help them buy homes, grow businesses, send kids to college and build their futures. By having a conversation, we can understand what our clients need, and can create customized product and service solutions that address them. Our most important job as the face of SunTrust is to build a lasting relationship that help us match our clients with the exact solutions they need to help them reach their financial goals. Provide an industry leading client service experience through assisting and supporting aspects of the development and expansion of new and existing client relationships by: • Utilizing resources to conduct effective consultative client conversations • Providing financial solutions that meet client needs such as deposit and credit and including all product and service lines • Referring to other line of business partners for additional business growth opportunities. Partners include, but are not limited to: Financial Advisor, Mortgage, Trust, Wealth, Business Banking, Treasury Services, and Merchant Services. Focuses on all client segments serviced through retail Branch Banking network. Sources opportunities through: • Branch teammate and client referrals • Branch book of business • Telephone calling activities Ensures compliance with internal controls, operational procedures and risk management policies. Pursue on-going education of SunTrust products, services, and other lines of business. Primary focus is assisting with client sales opportunities with additional activities related to service needs, based on the overall needs of the branch. Provides industry-leading service; performs routine client maintenance requests, problem resolution and intermediate sales functions regarding deposit, credit, convenience and other product and service lines. Contributions made to meeting or exceeding client service as well as individual and branch sales goals by offering and selling products and services and developing, expanding and retaining relationships. Exercised knowledge of risk management and loss prevention. Participates fully in all components of the Client Engagement Model. Commits to advancing individual knowledge of sales techniques and product knowledge to better serve consumer and business clients. Responsible for ensuring that all business transactions and practices in the individual's span of control comply with all regulations and the SunTrust Code of Conduct. *Qualifications* Basic Qualifications: • High school diploma or equivalent. • Two years experience as a Client Service Specialist, In-Store Financial Services Representative, or Personal Banker at SunTrust or an equivalent position at a comparable financial institution; three years experience in a sales and service based position in a retail environment. • Satisfies regulatory requirements for holding the position, including determined by SunTrust to meet the qualification standards imposed by the Loan Originator Compensation rule of the Truth in Lending Act. Preferred Qualifications: • College level courses in subject areas such as business, finance or accounting. • Completion of Core and Intermediate STU Curriculum Training as well as corresponding PB course work. • Strong probing and listening skills to uncover client needs. • Ability to respond in a professional manner with a high level of service quality. • Excellent verbal and written communication skills. • Understanding of consumer and business lending instruments as well as deposit products. • Demonstrated ability to meet or exceed sales goals. Benefits: Your life is full of responsibilities; SunTrust provide the tools and resources to help you balance your Work and your Life needs through the following benefits: • Medical, Dental, and Vision Plans • Retirement Plan – 401k with matching • Life insurance • Disability insurance • Time away from work – vacations and holidays • Professional development - SunTrust University, an in-house career growth and employee development program • Tuition Assistance – financial help for going back to school About SunTrust: SunTrust is one of the nation’s largest and strongest financial services holding companies in the United States. We offer over 1,500 branches and 2,800 ATM in convenient locations throughout the southern regions of the U.S. SunTrust provides deposit, credit, trust, and investment services to a broad range of retail, businesses, and institutional clients. *Job:*Retail *Primary Location:* FL-Hillsborough County *Work Locations*: Van Dyke Branch 17802 North Dale Mabry Hwy Lutz 33549 *Schedule:*Full-time Equal Opportunity Employer: SunTrust supports a diverse workforce and is a Drug Testing and Equal Opportunity Employer. SunTrust does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin, age, disability, veteran status, pregnancy, marital status, citizenship status, sexual orientation, gender identity, genetic information, or any other classification protected by applicable laws. To review the EEO Poster, copy and paste the following link into your brower: http://www1.eeoc.gov/employers/upload/eeoc_self_print_poster.pdf http://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf
          (USA-FL-Orlando) Teller Coordinator 1 or 2 F