• November 18, 2017 /  Finance & Invesment
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    A car is the most convenient tool of transportation and plays an important role in one’s daily life. You may choose to buy a car by paying the full amount yourself or by getting the car financed by a bank or any other financing institution. The majority of car buyers opt for car finance in Sydney every year.

    In case you opt for car finance, it becomes very important for you to conduct proper research before signing the car finance contract. There is a wide range of options available for car finance in Sydney. Before finalizing your car loan, it is wise to spend considerable time in making sure that the interest rate you are being offered and all the terms and conditions of car finance by any Sydney based lending institution suit you.

    The most common mistake that Sydney car finance customers generally commit is that they confide themselves to the terms and conditions of a loan. Pondering over the repayment scheme of your car loan is well worth the time. The other issue of car finance in Sydney is that only a few people spend time comparing interest rates on car loans. Only those who make such car finance comparisons realize how the rates can vary and how beneficial comparing interest rates exercise actually is. These are the people who are not able to save considerable amount of money but also get the best car finance deals in Sydney.

    While in Sydney, car finance is quite popular amongst the first time car buyers, it is a surprise to most people seeking car finance in Sydney to know the amount of money they can save over the loan period when they opt for a car loan that comes with slightly lower interest rates. Therefore, we recommend conducting a thorough comparison of car finance options in Sydney before visiting any car dealer to identify the best car finance in Sydney tailored to suit your budget.

    One will also come across many car dealers who offer their customers in-house car finance in Sydney. These car dealers are known to tempt their potential customers to purchase their new car quickly through easy car finance schemes in Sydney. However, we recommend caution when shopping for car finance in Sydney, particularly through the car dealers as in general, car finance offered by car dealers come with higher interest rates and as such, may not be the best car finance in Sydney.

  • November 18, 2017 /  Business Center
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    If you’re opening a small business, you need a small business bank, pure and simple. Using your regular bank won’t net you the benefits that a specialized banking account can come with. No matter who you choose as a host for your banking needs, you always need to open a new account for a business. Never use your personal bank account as this can make it next to impossible to discern your business income and expenses from more personal sources. Always choose a new account, and look for a specialized bank whenever possible. The right bank will have a deep understanding of your business needs.

    One of the most important features of a small business bank is an assortment of affordable banking solutions. Money is usually tight when you’re starting out. You don’t want to have a high minimum amount on your account that you can’t possibly sustain. If you need to make a large withdrawal for business purposes, you should know that you can do so without jeopardizing your bank account. It’s also important that you’re able to make deposits and withdrawals without a lot of fees. The right business bank will work with you so that you can maximize your profits early on.

    Small businesses today are far different than what they were in the past. A mom and pop shop used to be a brick and mortar store with an easily-defined address and actual location. Today, many businesses are run online. You could be running your business from locations all over the country, or all over the globe. You can’t always work with the bank down the street. You need a small business bank that will go with you everywhere you happen to be. Online banking, mobile banking, and more are essential for a business banking account. You don’t want to be tied down to one location, and with the right account you won’t be.

    When you’re getting ready to open a new banking account for your business, it’s important to take the time to do your research. Look into a variety of banking opportunities to find the small business bank that’s right for you. When you look at other offers, you’re sure to notice where the best deal really lies. It’s important to understand what’s out there so you don’t get sucked into the first well-worded advertisement you see. Compare your options and look for a small business banking account that provides all the services, benefits, and convenience you need to make your company a success.

  • November 14, 2017 /  Banking & Money
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    The BBVA Compass Bank has a slogan for their way of doing business that is -Banking Built for You-. This financial institution is located in the Sunbelt region of America. They are the 15th largest commercial bank in America as determined by deposits and the third largest in the state of Alabama.

    The BBVA Compass Bank has 720 branch offices covering 7 states in the south and western portion of the United States. Every customer with BBVA has free access to their account through their online banking services. The only requirement is that the customer must sign up before they can utilize this service.

    Included in this online service, customers can view the current bank rates, check on their account balances and transactions, including the CDs and IRAs. You can clearly see which of your checks have already been cleared and which ones are still outstanding.

    Your monthly statement can be viewed online and you can set up numerous different alerts to help you manage your accounts better. These alerts include account balance, insufficient finds, daily balance alerts and any irregular balance changes that might occur.

    There is also the online bill paying program. You not only pay your bills, but you can also sort them as you see fit. You will have a complete history of each bill that is paid and you can pay each bill by any account you have funds in. You can also assign categories for your bill paying according to your budget.

    All of these online services are free for every BBVA Compass Bank customer, independent of their account balances.

    We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

    With almost all financial solutions available for an individual under one roof BBVA Compass Bank has come out as one bank that is favorite by one and all. Apart from banking solutions they have upheld their duties and responsibilities towards the society in regards to environment, charity and other volunteer services.

    For additional resources involving financial help, please view PNC Online Banking, best bank savings rates, Westpac Online Banking and Online Banks at

  • November 14, 2017 /  Finance & Invesment
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    Financial Prosperity

    Like so many people on the internet I have tried a number of ways of making “big” money on the web and yes, I have made at least one bad investment. There is more than one money making formula out there. Some formulas are good and some not so good. God knows more than a little about financial prosperity and He desires the Christian to prosper. However, God wants the Christian to prosper His way.

    Formula to a Relationship

    God desires that instead of looking to a formula, the Christian should look to Him and not to a formula. God wants you to shift your allegiance from a money making formula to a deep relationship with Him and then you will prosper the best way. Are you seeking to know God intimately and have a deep relationship with Him? He says in Matthew 6:33, “But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you.”

    The Financial Prosperity Revelation

    God gave me a revelation of Matthew 6:33 and showed me if I would seek Him and put His agenda first place in my life then my prosperity would be manifested. Seeking God is the best investment in your destiny.

    In Hebrews 11:6b He states, “He is a rewarder of them that diligently seek him.”

    “Delight thyself also in the Lord; and he shall give thee the desires of thine heart” (Psalm 37:4 KJV).

    Serve God or Money?

    Remember what is stated in Matthew 6:24 of the Living Bible, “You cannot serve two masters: God and money. For you will hate one and love the other, or else the other way around.”

    Seek and love God with all your heart and get involved with His program. Good investment. He has just the formula for your success: a deep relationship with Him which will unfold the glorious destiny He has for your life. And that destiny does include prosperity.

    But what if you refuse to do the will of God? Here is your answer: “Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven” (Matthew 7:21 KJV).

    Like a closer walk with God?

    Click “Closer Walk” below for FREE eBook.

  • November 13, 2017 /  Banking & Money
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    Load banks are often talked about in industrial environments, but many people dont know exactly what they are or what they do. Essentially, a load bank simulates the electrical load that powers a piece of electrical equipment. By mimicking the real load that will be transmitted to a source that powers this equipment, it helps to test its reliability.

    As a result, load banks are very important in industrial contexts. Keep reading for further information on load banks and load bank testing.

    Uses for load banks

    Load banks are often rented and used in a variety of situations. In factories, they are useful for testing generators and turbines. In situations where generators are kept on site but only used in the event of a power outage, they may also be useful for regular testing of these generators to ensure that they will still work when needed.

    Load banks may also be used to test other back-up power supplies, like batteries and UPS (Uninterrupted Power Supply) systems. UPS load bank testing is often carried out during preventative maintenance. As well as testing whether or not a UPS system works, load bank testing can also test the condition of batteries within the system in order to ascertain how much life each cell has left.

    Other applications of load bank testing include ground power testing, tackling problems caused by wet stacking (often found in diesel engines or generators), getting rid of carbon build-up on piston rings and building gas turbine platforms.

    Why is load bank testing important?

    Load bank testing is important because it helps to prevent disruption to electrical power services. This is very important in factories, when even a small amount of downtime can represent the loss of a significant amount of money. However, its also crucial for hospitals, which depend on electricity to power life-saving equipment as well as basic lighting. Other public institutions, like the military, depend on load bank testing too and its also crucial for airports, gas and electricity suppliers.

    The frequency of load bank testing varies between industries and commercial sectors. In some factories, it may occur weekly while in other buildings it may only be an annual occurrence. In the latter case, load bank rental companies are often brought in to carry out the testing. The type of load bank needed may vary, but most rental companies are able to supple different types, such as AC resistive load banks and DC load banks.

  • November 12, 2017 /  Finance & Invesment
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    Purchasing real estate is one of the most complicated endeavors that families and businesses undertake. Other than real estate, a number of financial situations are there regarding which taking decision is not that easy or simple. Any mistake, doubt or negligence can make one to suffer from serious financial issues.

    Considering the problems which one may face due to lack of inappropriate knowledge and information on financing industry and processes, acquiring assistance from professional mortgage brokers is profitable. A very crucial role is played by mortgage service providers. Through this article, we’ll come to know in detail what they exactly do towards making mortgage process more approachable for the clients.

    Discussing specifics of property The experts meet with the clients to discuss the specifics and finances involved with the desired property. This discussion helps them in analyzing various mortgage options and make recommendations on the basis of length, interest rate type, base rate amount and much more. By making use of mortgage calculator they get exact idea of all the amounts concerned with a particular investment plan. Adding to it, the calculations help in coming to the point how much money a client can invest on the purchase.

    Trained in financial advising The lending specialists are known to interact directly with leading lenders on behalf of the clients. They discuss each and every point with the lender to make the purchase as much easier for the individuals. They are responsible enough to handle large financial transactions as they are known to be trained in financial advising.

    Expertise & specialties Most of the lending firms can be seen offering services to a limited geographical area. Some are known to offer advises and services related to residential mortgage while some can be seen offering services and advices related to corporate investment processes. With expertise and specialties, they work to fulfill demands of the clients while considering specific concerns.

    Mortgage services analyze paperwork Researching different plans and policies of various lenders is one of the major roles of professional lenders. Next to it, the service providers are known to analyze paperwork, pass to different professionals in the financing industry for final approval. The firms work with the objective to serve the clients throughout the process related to varied services like refinancing, debt consolidation, purchase, and renewal and customized solutions for first time home buyers, real estate investors, self-employed individuals, and much more.

    Hence, through the above discussions it can be said that experienced mortgage brokers through their expertise, knowledge, contacts and use of mortgage calculator offer ideal financial solutions to the individuals.

    Lending Experts as a professional mortgage broker offer best rate policy and expert advice based customized mortgage services in Burnaby, BC.

  • November 12, 2017 /  Banking & Money
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    These days wherever you turn it is hard to avoid hearing people talk about the financial crisis and its implications. Almost all news items contain some links to it, and within employment issues the consequences are still very much felt. But has the recession had any impact on the way job seekers perceive working within banking or finance roles?

    Despite the crisis people still seem to be very keen to work within banking or finance. Amongst the majority of the population it is safe to say that the reputation of banks has taken a hit, but amongst job seekers working for a bank or a financial institution remains very much desirable. Jobs for these companies are considered to be very prestigious as they still have the best technologies, the best systems and the best rewards compared to other sectors. Because of this the highest achievers still look to work for banks or financial institutions.

    What else attracts people to work in finance or banking roles? Relative to other sectors these types of roles tend to have more responsibility and involve a lot of problem solving skills. Besides that they get a chance to work with people, there are opportunities to travel and to go out for meetings, and these roles also tend to offer possibilities for fast advancement. All these factors combined make these roles very challenging and interesting for the highest achievers.

    So what has changed within the banking and finance sector? There seems to be a change in the expectations of employees that broadly run along the line of the generations. You could say that the employee profile is slowly evolving from what is called -Generation X’ to -Generation Y’. Within these generations the expectations they have of their employers are very different. Generation X will want to know -What is in it for me’, while Generation Y expects great workplace flexibility as well as wanting extremely fast progression and are less willing to work their way up slowly.

    The profile of employees within the banking and finance sectors is changing, however this is due to a change in mentality that runs alongside the generations more than being caused by the financial crisis.

    Reuben Dennis is a PRO with a leading service sector company and for more on London jobs she recommends you to visit

  • November 11, 2017 /  Banking & Money
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    Banking institutions need additionally used greatly in beefing upwards their own internet based financial programs plus guaranteed that net financial is actually safe plus secure. The usage of SMS informs for account was a great ways to continue track of resources plus purchases in a membership. Buyers whom incorporate internet financial could just buying products from licensed plus respected on line stores plus could utilize dependable solutions plus fees gateways. Constantly utilize protected plug covering (SSL) web sites to carry out banking on the web. Financial institutions state they’re providing people the benefit they desire, however several supporters for the older and handicapped anxiety information technology means a decrease inside access.

    Technology will allow banking companies to be closer to users, to deliver a wider range of treatments at lower bills, land to streamline desire systems so that all information is actually together inside one destination where information technology may be chosen to spot trends which will lead easily to brand-new products. Digital delivery of banking services allows data to be collected and examined. Interaction may give customers a possibility to register their particular preferences, really steering to advancement of latest items. Bankers might protect these prices due to higher compliance and regulatory costs, in addition to legacy system support, safety and scam steps along with objective important performance specifications.

    We make available considerably more ideas about Bank Account PRO or bank account, or alternatively Opening Offshore Bank Account.

    Expert’s Indicators For Best Small Business Bank Accounts

    Event of overcoming banking situation in the United States Of America. people economy has been impacted by financial trouble many times. One of these showed up during the stage of huge despair of 1929-1933. Thousand of bank deposits were devaluated because of useless operations on the banking institutions, also not coming back of the granted debts plus overall degradation on the economy. These people sealed lots of banking companies and offered confiscation of huge number of items due to maybe not going back of financing. you congress passed laws and regulations regarding founding federal businesses insuring deposits and those insuring financial loans plus discount. This system has been functioning successfully during many years.

    It’s so simple. Need some sort of exchange with the bank? Just take out the mobile device’smartphone, pill, whatever, on any working system’and you’ll has a riches of apps to get it completed. You’ll see reminders when you ought to do information technology again, or set it when much as do information technology automatically. It’s simple, truly. FBR analyst Paul Miller rates First Republic “outperform,” with a $48 price target. In a note to customers after the earnings announcement, Miller wrote “based found on the company’s existing meaningful extra money plus cross-selling features,” he expects the jumbo mortgage expert “to execute its development approach successfully inside the coming quarters.”

  • November 11, 2017 /  Banking & Money
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    Ally Bank is a business unit of Ally Financial the leaders in automotive financial services worldwide. Ally financial services is officially preferred source of financing for General Motors, Chrysler, Saab, and Thor Industries

    This is an Ally Bank rates update for February 2011. While they do not handle mortgage loans, they do offer their customers CDs, savings, and checking accounts. For those that are unaware of it, this is the new name for the old GMAC Bank.

    The current bank rates on the certificates of deposit include the special Raise Your Rate CD that is a 2 year term. The APY is currently at 1.50%, and can be increased once during the term of the CD.

    There is also the No Penalty CD that is earning an APY of 1.20% for an 11 month term.

    The online Savings Account is currently earning an APY of 1.09%. The Money Market Account is also earning an APY of 1.09%

    The Interest Checking Account is earning an APY of 0.50% on balances below $15,000. On balances above $15,000, the APY is 1.05%

    The standard CD rates include the 3 month CD that is earning an APY of 0.64%. The 6 month CD is earning an APY of 1.04%. The 9 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.29%. The 18 month CD is earning an APY of 1.35%. The 3 year CD is earning an APY of 1.84%. The 4 year CD is earning an APY of 2.05%. The 5 year CD is earning an APY of 2.39%.

    There are no minimum balances to open an account, but you must make a deposit in order to earn an APY. All of these Ally Bank rates were posted on February 1, 2011 and are still current as of February 18, 2011, but are subject to change without notice.

    We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

    For additional resources involving financial help, please view PNC Online Banking, best bank savings rates,SunTrust CD Rates, Westpac Online Banking and Online Banks at

  • November 10, 2017 /  Trade & Franchise
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    When Bitcoin is making great inroads in trading, you can make a lot of money. However, when you trade Bitcoin, make sure that you know about the brokerage firm. Nevertheless, when you are trading Bitcoin you need to first buy them from a secure place like some Bitcoin exchange or some brokerage firm. However, as not all brokerage firms offer Bitcoin, you need to know about their names and addresses as well.

    Here comes the role of ForexMinute which brings not just Forex brokers reviews but also Bitcoin news and reviews of the brokers that offer Bitcoin trading. Thus, there are a range of services that this online portal offers. It also helps traders explore various options when it comes where to buy Bitcoins from. Additionally, you need to be careful as several goof ups have been taking place and several traders have lost their valuable investments.

    Therefore, make sure that you are in safe hands. Additionally, traders need to visit the online sites of the some popular Bitcoin exchanges such as Mt.Gox, BitInstant, BitStamp, BlockChain, etc. to buy and trade Bitcoin. Additionally, as these are some popular Bitcoin exchanges that have become major player in the virtual currency economy and cater the much needed services for traders, you can trust them till you dont get unpleasant experience.

    By unpleasant experience I mean that a lot of times these sites are down and do not provide Bitcoin instantly. Nevertheless, traders who buy and trade Bitcoins from brokers believe that it is often difficult to do as they need to wait at times for a lot of time. Thus, buying them from a Bitcoin exchange is better. One safe place for buying and trading Bitcoin is Plus500, a CFD broker which brings one of the most sophisticated trading services.

    Thus, with the help of user-friendly trading platform at Plus500, traders can trade Bitcoin and profit from the same. Also, when you are trading Bitcoin, may get some unpleasing experience as often times you may not get them the way you want. However, you can still trust Bitcoin exchanges like BitStamp, BitInstant, Mt.Gox, etc. Mt. Gox where you can buy Bitcoin from is one of the most trusted names.

    Mt Gox is still a leader and over the years it has been receiving accolades and appreciation from buyers. Also, buying Bitcoin and selling them is what helps traders generate profits. Traders buy Bitcoin and sell it at higher prices and the difference in the two is profit.

  • November 9, 2017 /  Entrepreneurs
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    Running a lawn care and maintenance business can be difficult when you are not equipped with the right knowledge and skills. Since this business can become seasonal especially in places where there is winter, business can get very depressing. But with enough wit, the right skills and strategies, it can’t be that bad after all.

    Advertising your business is a fundamental rule of the thumb. It is where you get your sales and establish your customers. There are many lawn care marketing ideas that could help entrepreneurs out there. The difference comes in choosing the right platform and using it correctly.

    Identify your customers

    Who will steer your business to the top? The hundreds or even millions of home owners out there who realize the importance of having a well maintained lawn but just do not have the time to accomplish lawn care tasks. It could also be entrepreneurs, just like you, who have to regularly maintain or keep their lawns to attract more customers to go their establishments.

    Who will you cater to? If you choose to serve home owners, you must become aware of their needs. Gather data on what lawn care services home owners often look for, based on this establish your services, invest in the necessary equipment or tools needed.

    Get your services across

    How will your reach out to these customers? There are conventional marketing strategies that still work and there are the modern strategies that will help you connect to the more conventional people of today.

    For instance, building a website will make it easier for people to find you. You will not rely heavily on the chances of people finding you just because they happen to walk by the street where your shop is located. Through the internet, people can find you even at the comfort of their own homes.

    Maximize your marketing strategies

    When you employ certain marketing strategies, you should not end there. Find ways to fully benefit from it. If you decide to build a website, make sure it has everything it needs for people to want to click on it and hire your services. Make your site “responsive” so that when a potential customer uses his smart phone to browse for services, he’ll be able to get to your site.

    When you advertise via a local newspaper, make sure to ask the publisher to place your ad in the business section of the paper in case that you cater to commercial establishments or properties for lawn care services.

    For more lawn care marketing ideas, visit now.

  • November 9, 2017 /  Finance & Invesment
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    Unit Trusts and Open Ended Investment Companies Collective Investments

    Unit trusts and Open Ended Investment Companies (OEICs) are types of collective investments. In a collective investment, each individual investment is pooled with every other individual investment and then invested as a whole by the manager of the investment.

    Different unit trust and OEIC funds invest in different asset classes – shares, bonds, cash and property. Some funds focus on just one asset class, while others invest in two or more. Irrespective of the asset class or classes they invest in, most fund managers will hold a wide spread of investments in their chosen asset class. That is one of the reasons why unit trusts and OEICs are popular with investors spreading investments across a range of businesses can help reduce a funds volatility and the risks for its investors.

    Although unit trusts and OEICs are both open-ended investments, where the size of the fund varies according to market supply and demand, there are a number of key differences between the two types of funds.

    Investors in unit trusts buy and sell a portion of the total fund in the form of units. The price unit holders initially pay for units (the bid price) is higher than the price they can sell the units for (the offer price): the difference between the two prices is known as the spread. In order for unit holders to make a return on their investment, the closing bid price must always be higher than the opening offer price. An OEIC fund on the other hand, does not trade in units but issues shares to its investors and is therefore an investment company – a less complex entity than a unit trust. Shares in an OEIC have a single price, which is determined by the value of the fund’s underlying investments. All shares in an OEIC are bought and sold at one single price, so theres no bid/offer spread to take into account.

    The value of an investment in a unit trust or OEIC will vary according to the total value of the fund, which is determined by the performance of the investments the fund manager makes. Unit trusts and OEICs usually impose an up-front charge and annual management fees, some of which are declared as a percentage of the investment, while others are built into the price.

  • November 8, 2017 /  Entrepreneurs
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    Its summer and so for that reason Ill break from my insistence on pragmatic advice and write on a topic you might consider fluff. Yet its the biggest mistake I see small business owners make, including me. We have no patience. I think that its a given that a requirement for being an entrepreneur is to have a low grade case of ADD, or in my case, ADHD with an emphasis on the H. And in marketing, that will kill you.

    I cant tell you how many times a client tries something and when there are no immediate results says “Well that doesnt work.” Its like lifting weights one day and expecting that tricep cut to develop overnight. Im not suggesting that we all go out and spend a bajillion dollars on advertising during American Idol. But I do think that in order for your PR and marketing tactics to work you have to learn to wait a bit. Here are a few tips to use to figure out if youre too impatient.

    1. Are you measuring your campaign results by the number of orders youre getting off each initiative? In a word, DONT. Look at your website hits instead, or the traffic in your store. Whats the first step toward buying your product or service? Do they request a brochure? Do they visit the website? Measure by those “first steps” in the short term.

    2. Are you changing your marketing strategy on a weekly or monthly basis? WRONG. You had better have confidence in your strategy (or your consultant) from the start. Nothing works if you dont believe in it 100% from the beginning. Switching around what youre doing on a constant basis and youll end up running circles.

    3. Are you relying on only one outreach method? It may work now, but it will stop working eventually. Or youll end up trying one thing after another. BLEND your messaging channels. If youre doing radio, connect it to an online promotion as well. Trying guerilla marketing? Make sure youve got some PR working in conjunction with those “on the ground” techniques.

    Particularly in the online world, patience is the key to success. Jay Conrad Levinson, the founder of Guerilla Marketing, believes that patience is the most important characteristic of successful entrepreneurs. Be confident in your approach. Measure it wisely. And then, like that old farmer in the field, be patient and watch the seeds of your marketing work grow.

  • November 7, 2017 /  Banking & Money
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    ICICI Bank has concluded the sale of its network of electronic point of sales (PoS) terminals that accept Credit Card and Debit Card payments to First Data Corporation (FDC). The bank has hived off its network of over 1.5 lakh electronic swipe machines to a separate company ICICI Merchant Services. First Data has bought an 81% stake in the company which has been valued at a little over $90 million.

    When contacted, ICICI Bank refused to comment on the transaction. The bank has, however, communicated to merchants having ICICI Bank terminals that the PoS network has been transferred to ICICI Merchant Services. First Data, along with partner banks, is keen to proliferate payment transactions not just at top retailers but also through small cities or towns in India, said Amrish Rau, country manager, First Data Corporation.

    Referring to the transaction with ICICI Bank, Mr Rau said an announcement would be made in due course. Mr Rau, who represents First Data in the country, is likely to head the new payments company. First Data is a US-based company that has been created after banks farmed out their back office processing systems into a separate company. FDC is presently owned by private equity giant KKR.

    The Reserve Bank of India has already given clearance for the deal. According to banking sources, the deal value has gone up after RBI said that merchant establishments, including grocery stores and supermarkets, could swipe customer cards and offer them cash.

    In addition to unlocking value, ICICI Bank expects that the specialised company will bring down transactions costs and also grow the payment network more efficiently. This is the first time that an Indian bank has hived off its PoS terminal network.

    So far it has been foreign banks that have outsourced these functions but their network is of much smaller scale.

    ICICI Merchant Services will earn a fee every time a credit cards or debit cards transaction is processed through the point of sale network. The fee is usually borne by the merchant and a large part of it goes to the card issuing bank. This is in lieu of the credit that the issuing bank extends to the cardholder until the end of the billing cycle. A smaller part of the commission goes to the bank owning the PoS terminal (acquiring bank) and smaller portion to the payment company Mastercard or Visa.

    Incidentally, State Bank of India has for some time expressed its intention to set up a network of half a million point of sales terminals. To build this network the bank had earlier sought partners. However, the project was shelved as the bank decided to take a more holistic approach of its payments business.

  • November 5, 2017 /  Banking & Money
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    Investment banking is a widely accepted phenomenon presently, the major reason being expert advice provided at every step you need to take. Financial giants take the responsibility of making sure your money grows avoiding the risk of down fall. Today every person at some point or the other thinks about investing some amount of money in the stock market. A major worry of all these people is the uncertainty; investment banking beats these blues and offers best possible investment advice to its customers.

    A major chunk of people involved in investment banking do not have the time to keep an eye on the ever changing markets and track their returns. In such cases arises the need for investment banking services. These companies do all the hard work of market research and analysis and advice investors on where to put their money for maximum returns. This also depends upon the amount of money the person is willing to investment.

    There are many sectors in which investment banking is being carried out, few of them include retail healthcare, insurance and automobiles. Another emerging trend in this banking is that of equity investments. Equity investment banking is based on the dividends of the existing shares an individual holds. There are expert advisors who guide the movement of funds here as well so that there are no last moment disappointing surprises.

    When it comes to investing money not all have the perfect knack hence it is always good to seek help of an expert investment banking company or equity investment banking services. Money after all is a crucial issue and you would always want to see it grow systematically. Another advantage of investment experts is they help you understand the market well. You get to know where your money is going and the reason behind it too. These services do come with at some extra cost but are sure to give you peaceful night sleeps and not make check the stock market prices every now and then. Let the experts do their job so that you can relax and reap the benefits.

    Choosing the right financial advisor is also important in such cases. Also reading the fine print before finalizing anything is advised as there are many terms and conditions that come along with investment banking. You can take reviews of family members, friends, colleagues etc in deciding which and choose. There are numerous financial institutions and each one of them is offering investment banking services due to its rising demand.