1) Creating and maintaining a budget or spending plan is important to avoid financial crisis and keep more money in your pocket each month.
2) A budget should track all sources of household income and expenses to identify where money is going each month.
3) Paying yourself first by putting aside savings each month and paying down high interest debt can help build a strong financial future.
Growing Money - It's a Money Thing JuniorTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
This document provides information about credit, including what credit is, the history and types of credit, advantages and disadvantages of using credit, and the costs associated with misusing credit. It discusses credit cards, installment loans, revolving credit, and other types of credit. It also summarizes how to establish good credit, maintain a good credit rating, and the financial consequences of debt. The document aims to educate readers on credit and help them make informed financial decisions.
John J. Bowman, Jr., a Pittsburgh-based accountant, lists four reasons people accumulate debt.
For more on personal finance, visit https://jbowmanaccountant.info/
With the TJ Maxx credit card, you will be eligible for a lot of rewards for any purchases that you make at the TJX stores. Along with this, you will also receive a point for every dollar that you spend at other places as well, provided that you qualify for a Mastercard. The best part about this card is that it has low annual percentage rates and fees, and apart from this, there is no fee on an annual basis. The points can also go up to 5 for every dollar that you spend. Also, you can earn as many points as possible throughout the year and there are special discounts available on the card.
Intergenerational Mortgage Exclusive to St James's Place Paresh Shah
The document discusses mortgage options available through St. James's Place that allow families to assist younger relatives in purchasing a home. There are three main options: gifting money for a deposit, providing extra security for the mortgage by linking it to existing investments, or jointly applying for a mortgage and combining incomes. The options are aimed at making home ownership more achievable and affordable for younger family members through financial support from older relatives. St. James's Place worked with Metro Bank to create a range of specialized mortgages called the Intergenerational Mortgage Range to facilitate family assistance.
This document discusses opportunities for seniors and retirees to access the value of existing life insurance policies. It describes how policyholders can sell all or part of their policies to generate cash for retirement. Selling a portion allows beneficiaries to still receive a partial death benefit. This option provides relief from rising premium costs while still providing some payout. The document encourages readers to contact the Golden Opportunity Network for a free evaluation to see if their policy qualifies to be sold and its potential value.
The document discusses some of the positive changes that have resulted from the financial crisis and recession. Specifically, it outlines increased financial transparency, awareness, and a focus on family, health, needs over wants, and going green to save money. People are spending more time with family, cooking at home, giving up expensive habits like smoking, learning to bargain, and recycling to reduce costs during challenging economic times.
1) Creating and maintaining a budget or spending plan is important to avoid financial crisis and keep more money in your pocket each month.
2) A budget should track all sources of household income and expenses to identify where money is going each month.
3) Paying yourself first by putting aside savings each month and paying down high interest debt can help build a strong financial future.
Growing Money - It's a Money Thing JuniorTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
This document provides information about credit, including what credit is, the history and types of credit, advantages and disadvantages of using credit, and the costs associated with misusing credit. It discusses credit cards, installment loans, revolving credit, and other types of credit. It also summarizes how to establish good credit, maintain a good credit rating, and the financial consequences of debt. The document aims to educate readers on credit and help them make informed financial decisions.
John J. Bowman, Jr., a Pittsburgh-based accountant, lists four reasons people accumulate debt.
For more on personal finance, visit https://jbowmanaccountant.info/
With the TJ Maxx credit card, you will be eligible for a lot of rewards for any purchases that you make at the TJX stores. Along with this, you will also receive a point for every dollar that you spend at other places as well, provided that you qualify for a Mastercard. The best part about this card is that it has low annual percentage rates and fees, and apart from this, there is no fee on an annual basis. The points can also go up to 5 for every dollar that you spend. Also, you can earn as many points as possible throughout the year and there are special discounts available on the card.
Intergenerational Mortgage Exclusive to St James's Place Paresh Shah
The document discusses mortgage options available through St. James's Place that allow families to assist younger relatives in purchasing a home. There are three main options: gifting money for a deposit, providing extra security for the mortgage by linking it to existing investments, or jointly applying for a mortgage and combining incomes. The options are aimed at making home ownership more achievable and affordable for younger family members through financial support from older relatives. St. James's Place worked with Metro Bank to create a range of specialized mortgages called the Intergenerational Mortgage Range to facilitate family assistance.
This document discusses opportunities for seniors and retirees to access the value of existing life insurance policies. It describes how policyholders can sell all or part of their policies to generate cash for retirement. Selling a portion allows beneficiaries to still receive a partial death benefit. This option provides relief from rising premium costs while still providing some payout. The document encourages readers to contact the Golden Opportunity Network for a free evaluation to see if their policy qualifies to be sold and its potential value.
The document discusses some of the positive changes that have resulted from the financial crisis and recession. Specifically, it outlines increased financial transparency, awareness, and a focus on family, health, needs over wants, and going green to save money. People are spending more time with family, cooking at home, giving up expensive habits like smoking, learning to bargain, and recycling to reduce costs during challenging economic times.
Credit cards originated in the United States in the early 20th century when department stores issued metal plates to loyal customers, allowing them to buy on credit. Later, banks introduced general-use credit cards that could be used at multiple merchants. Credit cards offer convenient credit and a way to track expenses, and are accepted worldwide with various credit limits and rewards programs. There are standard credit cards as well as specialized cards like balance transfer cards, rewards cards, secured cards for those with poor credit, and business or student cards designed for specific users.
Enjoy travel with these vacation certificates from Travel Sales Direct. Great for company's incentive and loyalty programs for customers and employees.
This document discusses factors to consider when choosing a low-rate credit card. It notes that customers can benefit greatly from savings on interest charges by switching to a card with a low regular APR, especially if carrying a monthly balance. When choosing a card, it's important to compare the APR, fees, and terms and conditions. Some cards offer low or 0% rates for a limited introductory time period, so it's crucial to understand the rate after that time. Choosing the right low-rate credit card can help reduce credit card debt and save on interest charges over time.
Citizens Bank is promoting various banking products and services such as checking and savings accounts, credit cards, home loans, and business banking in a summer marketing guide. The guide provides details on accounts such as GreenSense checking that pays customers for paperless banking and accounts to save for home buying or college. Citizens Bank also promotes rewards programs where customers can earn points for banking activities and purchases to redeem for merchandise, gift cards or travel.
Capital One offers various credit cards that provide rewards for purchases and travel. Application can be completed online or over the phone. Payments can be made online, by phone, mail, or in person at a branch. Capital One uses an average daily balance method to calculate interest charged. Additional benefits include fraud protection, shipment assistance, roadside assistance, extended warranties, and rental car insurance. Contact information is available on their website or by calling their customer service line.
The document discusses the different types of payment cards available, including credit cards, charge cards, ATM cards, debit cards, and prepaid cards. Credit cards provide a line of credit up to a spending limit and require minimum monthly payments, while charge cards require payment in full each month. ATM cards access bank accounts at ATMs, and debit cards allow direct payments from checking accounts. Prepaid cards work like debit cards but are funded with deposits instead of a bank account. The document also notes various fees associated with different card types and importance of researching terms before applying.
This document defines terms related to credit cards and finance. It provides definitions for annual fee, air accident insurance, add-on/supplementary card, and other common credit card terms. Annual fees are paid annually in advance while air accident insurance provides a payout in the event of death. Add-on cards allow dependents to use the primary cardholder's account and are subject to additional fees.
Rooms To Go credit card is a great option for consumers who do not essentially have the funds to buy furniture, but if they are given the option to pay over the course of time, they will be able to do so easily. Another great thing is that the Rooms To Go retail outlet is itself quite reasonable when it comes to furniture shopping.
This document discusses 0% interest credit cards available in the UK. It provides advice for choosing the best 0% interest credit card depending on an individual's repayment habits and intended card usage. It recommends researching different card offers online to find the ideal 0% interest credit card suited to one's needs, whether for spreading out balance repayments or making purchases while avoiding interest charges. It cautions readers to carefully review card terms and conditions to avoid hidden fees that could negate savings from 0% interest rates.
The document discusses the benefits of the Dicks Sporting Goods credit card, including earning reward points and discounts. Cardholders earn 1 point for every dollar spent that can be redeemed for a $10 statement credit once 300 points are earned. The card offers 10% off a purchase on the account opening and discounts through email ads. Additional savings include triple points earned on one's birthday. An eRewards program allows early redemption of points after 30 days instead of 50. The mobile app tracks points and offers. Overall, the card is presented as providing savings on sports gear and activities through the store.
Liberty Savings Federal Credit Union is offering a debt consolidation loan with competitive rates and an extra 2% APR discount if closed by March 31st. Taking out a consolidation loan from Liberty Savings can simplify bill payments by consolidating multiple debts into one lower monthly payment, potentially reducing interest costs. Liberty Savings representatives are available to provide credit counseling and help members understand their credit reports to improve their financial situation.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
The Discount Tire credit card is a credit card that you can make use of at the Discount Tire and any auto shop that lies in the Car Care One network of dealers and repair shops.
The document summarizes the various credit card options and benefits provided by Bank-Fund Staff Federal Credit Union. It describes their Visa Gold, Platinum, and Platinum Rewards cards which offer competitive interest rates, identity theft protection, cash advances, and car rental coverage. The Platinum Rewards card allows members to earn points for purchases that can be redeemed for gift cards, travel, and other rewards. The document also outlines convenient payment programs like S-30 Pay which automatically transfers funds to credit cards and AutomaticPay which sets up monthly payments from other accounts.
The document discusses various topics related to managing personal finances and debt as a student. It provides tips for creating a budget, understanding credit reports and credit scores, managing credit card debt, and seeking help for debt problems. Key recommendations include paying more than the minimum on credit cards, focusing on highest interest debt first, and developing a budget to avoid living beyond one's means. Resources for debt help and credit counseling are also listed.
THE VITAL ASPECTS TO CONSIDER BEFORE SELECTING TRAVEL CREDIT CARDS WITH SPECI...VARUN KESAVAN
Travel credit cards can be an excellent tool for business travellers and holiday makers. These cards earn you higher reward points and other benefits on travel-related expenses. The customers can redeem accumulated reward points for air tickets, hotel stays and other expenses. They also enrich travel experience by providing complimentary airport lounge access, additional baggage allowance, dedicated concierge service and priority check-in at airports.
To conclude, opt for a co-branded travel credit card only if user is able to incur sizeable expenses through its partner brand. Otherwise, stick to a brand-neutral credit card for greater flexibility in redemption options. If chosen and used wisely, travel credit cards can significantly reduce users travel bills through reward points, free travel vouchers, cashbacks, discounts, complimentary air tickets, free lounge access, etc. Also, make sure to redeem free vouchers and reward points that users have earned before their expiry dates.
There are many criterias based on which one can choose the credit card. Some things are listed here which will help one to decide on to what basis one can choose credit card.
1) The document discusses the advantages of low interest credit cards for those with good credit histories. These cards offer lower regular APR rates compared to cards for those with poor credit, allowing users to save on interest charges over the long term.
2) Some key benefits of low interest credit cards mentioned include introductory 0% APR periods of 3-12 months for purchases and balance transfers, as well as regular APR rates as low as 11.99% after promotional periods end.
3) The document recommends researching both introductory and regular APR rates when selecting the best low interest credit card and cautions that credit card companies may increase regular rates after introductory periods to make up for
The document provides 25 tips for saving money each month, as suggested by financial advisors. Some of the key tips include tracking expenses, taking vacations during off-seasons, reducing investment fees and expenses, cutting back on eating out and unnecessary purchases, downsizing vehicles, reducing utility costs, examining phone and cable plans, and finding free entertainment options. The overall suggestions aim to reduce unnecessary spending and boost savings through careful budgeting and cost-cutting measures.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Credit cards originated in the United States in the early 20th century when department stores issued metal plates to loyal customers, allowing them to buy on credit. Later, banks introduced general-use credit cards that could be used at multiple merchants. Credit cards offer convenient credit and a way to track expenses, and are accepted worldwide with various credit limits and rewards programs. There are standard credit cards as well as specialized cards like balance transfer cards, rewards cards, secured cards for those with poor credit, and business or student cards designed for specific users.
Enjoy travel with these vacation certificates from Travel Sales Direct. Great for company's incentive and loyalty programs for customers and employees.
This document discusses factors to consider when choosing a low-rate credit card. It notes that customers can benefit greatly from savings on interest charges by switching to a card with a low regular APR, especially if carrying a monthly balance. When choosing a card, it's important to compare the APR, fees, and terms and conditions. Some cards offer low or 0% rates for a limited introductory time period, so it's crucial to understand the rate after that time. Choosing the right low-rate credit card can help reduce credit card debt and save on interest charges over time.
Citizens Bank is promoting various banking products and services such as checking and savings accounts, credit cards, home loans, and business banking in a summer marketing guide. The guide provides details on accounts such as GreenSense checking that pays customers for paperless banking and accounts to save for home buying or college. Citizens Bank also promotes rewards programs where customers can earn points for banking activities and purchases to redeem for merchandise, gift cards or travel.
Capital One offers various credit cards that provide rewards for purchases and travel. Application can be completed online or over the phone. Payments can be made online, by phone, mail, or in person at a branch. Capital One uses an average daily balance method to calculate interest charged. Additional benefits include fraud protection, shipment assistance, roadside assistance, extended warranties, and rental car insurance. Contact information is available on their website or by calling their customer service line.
The document discusses the different types of payment cards available, including credit cards, charge cards, ATM cards, debit cards, and prepaid cards. Credit cards provide a line of credit up to a spending limit and require minimum monthly payments, while charge cards require payment in full each month. ATM cards access bank accounts at ATMs, and debit cards allow direct payments from checking accounts. Prepaid cards work like debit cards but are funded with deposits instead of a bank account. The document also notes various fees associated with different card types and importance of researching terms before applying.
This document defines terms related to credit cards and finance. It provides definitions for annual fee, air accident insurance, add-on/supplementary card, and other common credit card terms. Annual fees are paid annually in advance while air accident insurance provides a payout in the event of death. Add-on cards allow dependents to use the primary cardholder's account and are subject to additional fees.
Rooms To Go credit card is a great option for consumers who do not essentially have the funds to buy furniture, but if they are given the option to pay over the course of time, they will be able to do so easily. Another great thing is that the Rooms To Go retail outlet is itself quite reasonable when it comes to furniture shopping.
This document discusses 0% interest credit cards available in the UK. It provides advice for choosing the best 0% interest credit card depending on an individual's repayment habits and intended card usage. It recommends researching different card offers online to find the ideal 0% interest credit card suited to one's needs, whether for spreading out balance repayments or making purchases while avoiding interest charges. It cautions readers to carefully review card terms and conditions to avoid hidden fees that could negate savings from 0% interest rates.
The document discusses the benefits of the Dicks Sporting Goods credit card, including earning reward points and discounts. Cardholders earn 1 point for every dollar spent that can be redeemed for a $10 statement credit once 300 points are earned. The card offers 10% off a purchase on the account opening and discounts through email ads. Additional savings include triple points earned on one's birthday. An eRewards program allows early redemption of points after 30 days instead of 50. The mobile app tracks points and offers. Overall, the card is presented as providing savings on sports gear and activities through the store.
Liberty Savings Federal Credit Union is offering a debt consolidation loan with competitive rates and an extra 2% APR discount if closed by March 31st. Taking out a consolidation loan from Liberty Savings can simplify bill payments by consolidating multiple debts into one lower monthly payment, potentially reducing interest costs. Liberty Savings representatives are available to provide credit counseling and help members understand their credit reports to improve their financial situation.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
The Discount Tire credit card is a credit card that you can make use of at the Discount Tire and any auto shop that lies in the Car Care One network of dealers and repair shops.
The document summarizes the various credit card options and benefits provided by Bank-Fund Staff Federal Credit Union. It describes their Visa Gold, Platinum, and Platinum Rewards cards which offer competitive interest rates, identity theft protection, cash advances, and car rental coverage. The Platinum Rewards card allows members to earn points for purchases that can be redeemed for gift cards, travel, and other rewards. The document also outlines convenient payment programs like S-30 Pay which automatically transfers funds to credit cards and AutomaticPay which sets up monthly payments from other accounts.
The document discusses various topics related to managing personal finances and debt as a student. It provides tips for creating a budget, understanding credit reports and credit scores, managing credit card debt, and seeking help for debt problems. Key recommendations include paying more than the minimum on credit cards, focusing on highest interest debt first, and developing a budget to avoid living beyond one's means. Resources for debt help and credit counseling are also listed.
THE VITAL ASPECTS TO CONSIDER BEFORE SELECTING TRAVEL CREDIT CARDS WITH SPECI...VARUN KESAVAN
Travel credit cards can be an excellent tool for business travellers and holiday makers. These cards earn you higher reward points and other benefits on travel-related expenses. The customers can redeem accumulated reward points for air tickets, hotel stays and other expenses. They also enrich travel experience by providing complimentary airport lounge access, additional baggage allowance, dedicated concierge service and priority check-in at airports.
To conclude, opt for a co-branded travel credit card only if user is able to incur sizeable expenses through its partner brand. Otherwise, stick to a brand-neutral credit card for greater flexibility in redemption options. If chosen and used wisely, travel credit cards can significantly reduce users travel bills through reward points, free travel vouchers, cashbacks, discounts, complimentary air tickets, free lounge access, etc. Also, make sure to redeem free vouchers and reward points that users have earned before their expiry dates.
There are many criterias based on which one can choose the credit card. Some things are listed here which will help one to decide on to what basis one can choose credit card.
1) The document discusses the advantages of low interest credit cards for those with good credit histories. These cards offer lower regular APR rates compared to cards for those with poor credit, allowing users to save on interest charges over the long term.
2) Some key benefits of low interest credit cards mentioned include introductory 0% APR periods of 3-12 months for purchases and balance transfers, as well as regular APR rates as low as 11.99% after promotional periods end.
3) The document recommends researching both introductory and regular APR rates when selecting the best low interest credit card and cautions that credit card companies may increase regular rates after introductory periods to make up for
The document provides 25 tips for saving money each month, as suggested by financial advisors. Some of the key tips include tracking expenses, taking vacations during off-seasons, reducing investment fees and expenses, cutting back on eating out and unnecessary purchases, downsizing vehicles, reducing utility costs, examining phone and cable plans, and finding free entertainment options. The overall suggestions aim to reduce unnecessary spending and boost savings through careful budgeting and cost-cutting measures.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...Donc Test
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
2. Banks in the United Arab Emirates have partnered with several outlets
across a variety of industries to provide their customers with attractive
privileges that can help make substantial savings. By swiping your
credit card or debit card to make payments at any of the participating
outlets, you can avail great discounts on shopping, entertainment,
travel and dining. The schemes offered by the banks have been well
received among customers and banks are now striving to introduce
an increasing number of offers that keep customers coming back for
more.
3. Dining Offers
When you go out to dine with your family or friends, you can ava
il privileges like discounts on your food bills that range from 10%
to 25%. The extent of discount offered varies from card to card a
nd restaurant to restaurant. Some outlets offer discounts on foo
d and beverages but do not cover alcoholic beverages, while ot
her restaurants offer discounts on the entire food bill inclusive of
alcohol. A quick read through of the offer's terms and conditions
will better educate you on the kind of offers you can avail.
4. Entertainment Offers
Whether it's a fun day at a water park, a day out on the golf
course, or even a trip to the cinema to watch a movie, card o
wners in the UAE can avail special discounts by using their cre
dit or debit cards to make payments. Discounts on entertainm
ent options are usually high, with up to 50% savings a high p
ossibility. However, the offer is limited to a certain number of
people, usually six including the card owner.
5. Travel Offers
Travelling can be expensive if credit card offers are not redee
med. When you pay for your holidays using credit or debit ca
rds registered with a bank in the UAE, you can avail great disc
ounts not only on your air fare, but also on stays at hotels, sp
a and recreational facilities, car and van rentals, etc. Credit an
d debit cards offered by banks in the UAE ensure that you ha
ve no hassles when on holiday so that you can get the much
needed break you thoroughly deserve from the hustles and b
ustles of daily life.
Travel Offers
6. Lifestyle Offers
Shopping is usually so much fun that it often turns out to be addictive, and when you'
re addicted to shopping, blowing your money becomes a fairly simple task to complet
e. However, banks in the UAE have specially tailored credit and debit cards that appeal
to frequent shoppers. Whether it involves clothes, electronics, furniture or household g
oods, there are privileges that can help you save up to 40% on shopping. The banks ar
e tied up with several brands and outlets across the world, and swiping your registered
card at any of the outlets will make you eligible for the offers.
7. Thank you for Checking through our slide. For more information about
Credit Card Offers in UAE then just browse through
BankBazaar.ae :https://www.bankbazaar.ae/credit-card-offers.html