This document discusses financial services and banking. It includes three activities that cover where to keep money, evaluating financial services, and the history and role of banks. The first activity compares keeping money in alternative places like under a mattress versus using a bank. It notes that banks provide stability and insure deposits. The second activity analyzes the costs of informal financial services like check cashing compared to formal bank accounts. It shows how banks can save people money. The third activity outlines traditional bank services like checking and savings accounts and loans, as well expanded modern services from credit cards to investments. It discusses the impact of deregulation and ways banks support communities.
Derin Dolen DO Work in Banks, Pension Funds , Secured Companies, Insurance Co...Derin Dolen
Deri Dolen is the one who deals between companies and sees to that it is possible based on the business fundamentals. He must be cautious about putting and gathering all the information together and he must be too excellent at Mthe acro economy and he must also know about balance sheets.
This document discusses a new payment platform called Pageonce that allows local services and organizations to easily collect and track payments from customers. It notes that traditional payment methods for local services like checks are cumbersome and slow, while consumers want convenient mobile payment options. Pageonce provides a simple way for consumers to pay local services from their phone and for services to get paid fast and have visibility into payments.
2013.01.17 the mechanics of setting up and running a successful law practiceAlan Klevan
This document provides tips for setting up a successful law practice, including choosing technology tools. It recommends buying large or dual computer monitors to increase productivity. It also discusses choosing desktops, notebooks, or tablets and whether remote access is needed. The document provides options for scanners, printers, fax machines, and recommends multifunction devices to save space. It also discusses software for productivity, practice management, financial management, and legal research. Lastly, it provides tips for getting clients to pay bills on time and when to disengage from problematic clients.
This document defines and describes foreign direct investment and foreign institutional investment. It provides key points about each:
- Foreign direct investment is investment from one country into the assets and businesses of another, including buying shares/equity in companies or establishing new operations. It requires at least a 10% ownership stake.
- Foreign institutional investment refers to investment from foreign investment funds, pension funds, insurance companies etc. into the stock markets of another country.
- The document provides statistics on top source countries for FDI in India and monthly FII flows into Indian equity and debt markets in 2012.
The document discusses different types of economies based on their level of development, including highly developed or industrial economies, semi-developed or mixed economies, and underdeveloped or predominantly agricultural economies. It also covers trends in world population distribution and density, noting that Asia accounts for 59% of the world's population, while areas with over 80 people per square kilometer have high population density.
The document discusses different types of advertisements:
1) Print advertising includes newspapers, magazines, brochures and flyers. It provides more detailed information for audiences who can't afford TV or don't have time.
2) Outdoor advertising uses billboards and signage to grab the attention of passersby with terse, catchy messages.
3) Broadcast advertising includes TV, radio, and internet ads. TV ad costs depend on duration, broadcast time, and channel popularity.
4) Some types aim to educate or get around bans, like public service ads, surrogate ads that indirectly reference banned products, and covert ads embedded in entertainment. Celebrity endorsements also remain popular despite consumer skepticism.
Per vincere un concorso a premi può bastare un colpo di fortuna; per organizzarlo come si deve serve invece una catena continua di attenzioni, di cure, di preparazione, di competenza, di precisione.
E in tutte queste cose è meglio affidarsi agli specialisti assoluti dei concorsi a premi.
Max Marketing è una delle più importanti agenzie specializzate in Italia, con più di 100 campagne nazionali gestite ogni anno, oltre a numerose promozioni locali.
www.maxmarketing.it
Derin Dolen DO Work in Banks, Pension Funds , Secured Companies, Insurance Co...Derin Dolen
Deri Dolen is the one who deals between companies and sees to that it is possible based on the business fundamentals. He must be cautious about putting and gathering all the information together and he must be too excellent at Mthe acro economy and he must also know about balance sheets.
This document discusses a new payment platform called Pageonce that allows local services and organizations to easily collect and track payments from customers. It notes that traditional payment methods for local services like checks are cumbersome and slow, while consumers want convenient mobile payment options. Pageonce provides a simple way for consumers to pay local services from their phone and for services to get paid fast and have visibility into payments.
2013.01.17 the mechanics of setting up and running a successful law practiceAlan Klevan
This document provides tips for setting up a successful law practice, including choosing technology tools. It recommends buying large or dual computer monitors to increase productivity. It also discusses choosing desktops, notebooks, or tablets and whether remote access is needed. The document provides options for scanners, printers, fax machines, and recommends multifunction devices to save space. It also discusses software for productivity, practice management, financial management, and legal research. Lastly, it provides tips for getting clients to pay bills on time and when to disengage from problematic clients.
This document defines and describes foreign direct investment and foreign institutional investment. It provides key points about each:
- Foreign direct investment is investment from one country into the assets and businesses of another, including buying shares/equity in companies or establishing new operations. It requires at least a 10% ownership stake.
- Foreign institutional investment refers to investment from foreign investment funds, pension funds, insurance companies etc. into the stock markets of another country.
- The document provides statistics on top source countries for FDI in India and monthly FII flows into Indian equity and debt markets in 2012.
The document discusses different types of economies based on their level of development, including highly developed or industrial economies, semi-developed or mixed economies, and underdeveloped or predominantly agricultural economies. It also covers trends in world population distribution and density, noting that Asia accounts for 59% of the world's population, while areas with over 80 people per square kilometer have high population density.
The document discusses different types of advertisements:
1) Print advertising includes newspapers, magazines, brochures and flyers. It provides more detailed information for audiences who can't afford TV or don't have time.
2) Outdoor advertising uses billboards and signage to grab the attention of passersby with terse, catchy messages.
3) Broadcast advertising includes TV, radio, and internet ads. TV ad costs depend on duration, broadcast time, and channel popularity.
4) Some types aim to educate or get around bans, like public service ads, surrogate ads that indirectly reference banned products, and covert ads embedded in entertainment. Celebrity endorsements also remain popular despite consumer skepticism.
Per vincere un concorso a premi può bastare un colpo di fortuna; per organizzarlo come si deve serve invece una catena continua di attenzioni, di cure, di preparazione, di competenza, di precisione.
E in tutte queste cose è meglio affidarsi agli specialisti assoluti dei concorsi a premi.
Max Marketing è una delle più importanti agenzie specializzate in Italia, con più di 100 campagne nazionali gestite ogni anno, oltre a numerose promozioni locali.
www.maxmarketing.it
IFS Federal insurance project report .pptranaajay900
The document discusses the functions and services provided by banks. It begins by explaining alternative places to keep money and associated costs, then discusses the traditional services banks offer like checking and savings accounts, CDs, loans, and safe deposit boxes. It also outlines expanded modern services such as insurance, investments, credit cards, and remittances. Finally, it notes how the 1999 Financial Services Modernization Act transformed the industry by allowing cross-selling of services, and highlights some community-related services provided by banks through activities like mentoring, board membership, scholarships, and funding affordable housing.
Indian Insurance and financial services .pptranaajay900
The document discusses the functions and services provided by banks. It begins by explaining alternative places to keep money and associated costs, then discusses the traditional services banks offer like checking and savings accounts, certificates of deposit, and loans. It also notes banks' expanded services now include insurance, investments, and small business support due to deregulation. Banks play an important community role by offering financial education, serving on local boards, providing scholarships, and funding affordable housing.
This document discusses various activities related to financial services:
Activity 1 discusses where people keep their money, the functions of banks, and the stability banks provide through FDIC insurance. Activity 2 evaluates the costs of formal bank accounts versus informal financial services, showing how banks can save money. Activity 3 discusses the traditional and expanded services banks provide, how the Financial Services Modernization Act transformed the industry, and community services provided by banks.
This document provides an overview of three activities related to personal finance: where to keep money, evaluating financial services, and the history and services provided by banks. The first activity discusses alternative places to save money besides banks and the benefits of FDIC insurance. The second activity compares the costs of formal bank accounts versus informal financial services and payday loans. The third activity outlines traditional bank services like checking and savings accounts, as well as expanded services now offered after financial deregulation, and ways banks support their local communities.
The document discusses three activities related to financial services:
1. Where individuals keep their money, including alternatives to banks and FDIC insurance.
2. Evaluating formal and informal financial services, comparing costs of alternatives to bank accounts.
3. Traditional and expanded banking services, including the impact of the Financial Services Modernization Act and banks' community involvement.
This document provides an overview of 7 activities related to basic banking services:
1. Why customers need banks and the differences between banks and credit unions.
2. The various services offered by banks such as money transfers, banking occupations, and electronic services.
3. Details on chequing accounts including terms, shopping for accounts, and account maintenance.
4. The process for opening a chequing account including forms of ID and signature cards.
5. How to write a cheque properly.
6. Maintaining a chequing account through activities like keeping a register, deposits, reconciling statements. and avoiding overdrafts.
7. Savings accounts including reasons to save, factors for shopping for
The document provides an overview of banking and financial institutions. It defines banking as accepting deposits from the public that are repayable on demand. Commercial banks engage in deposit taking and lending activities. Central banks act as bankers to commercial banks and engage in credit control to regulate money supply. Non-performing assets are loans that are overdue for over 90 days, impacting bank profitability. The Indian banking system has evolved from money lenders to include public and private sector banks.
National banks operate within a single country, while international banks provide banking services across borders. Some key differences are that international banks can process payments through telegraphic transfer and provide services like letters of credit internationally. They also provide consultancy on cross-border financing and cash management. International banks allow customers to bank in different currencies and avoid risks of local economic issues like inflation by keeping wealth offshore. However, offshore banking is also associated with money laundering and tax evasion.
This document provides information about various banking services and international banking services. It discusses payment services including checks, credit transfers, standing orders, direct debits, and plastic cards. It also covers deposit and lending services, investment and insurance services, e-banking, and correspondent banking, representative offices, branches, agencies, and subsidiaries for entering foreign markets. International banking services offered include money transmission, credit facilities, trade finance through letters of credit, forfaiting, and countertrade.
This document provides an introduction to commercial banking and financial services management. It defines commercial banks as financial intermediaries that accept deposits and make loans. It discusses how banks have expanded their service offerings beyond traditional banking to become general financial services providers. It also outlines various types of banks, financial institutions that compete with banks, the services banks offer customers, and trends impacting the banking industry like deregulation and technological innovation.
This document outlines 7 activities for teaching basic banking services: 1) why banks are needed and their services, 2) the various services banks provide, 3) checking accounts, 4) opening a checking account, 5) writing checks, 6) maintaining a checking account, and 7) savings accounts. Each activity contains slides on key topics like bank safety, electronic banking services, checking account terms, and opening and managing different types of bank accounts.
This document provides an overview of money and banking concepts including:
1. The definition and functions of money as a medium of exchange, store of value, and measure of value.
2. The roles of central banks in managing monetary policy and commercial banks in accepting deposits and issuing loans.
3. Types of bank accounts, loans, and payment methods like cash, checks, and debit/credit cards.
This document provides information about banking services and how to safely manage a bank account. It discusses the types of financial institutions, reasons to use a bank account, how to open an account, different account types like checking and savings, additional banking services, important bank employees, and tips for protecting personal information and avoiding identity theft. The objectives are to help readers identify major banking concepts, choose appropriate accounts and services, and safely manage their finances.
Commercial banks are financial institutions that accept deposits and make loans. They offer the widest range of services of any financial institution. In the past, banks focused on traditional services like deposits, loans, and check cashing. However, they now offer many diversified financial services as general financial providers. Nonbank competitors also provide similar services, like insurance companies and brokerages. Banks can be categorized as depository institutions like commercial banks and credit unions, or non-depository institutions like insurance companies and pension funds. The top 10 largest banks in the world by assets are led by Barclays and include other international banks like UBS and BNP Paribas.
This document outlines 7 activities for teaching basic banking services: 1) why banks are needed and their services, 2) the various services banks provide, 3) checking accounts, 4) opening a checking account, 5) writing checks, 6) maintaining a checking account, and 7) savings accounts. It includes slides on key banking terms, comparing account options, acceptable ID for opening an account, how to write checks and reconcile statements, and factors to consider for savings accounts.
The document discusses banking transactions and bank accounts. It begins by defining the term "bank" and listing its key characteristics such as dealing with money, accepting deposits, and lending loans. It then explains various banking transactions and types of bank accounts including savings accounts, current accounts, recurring deposit accounts, and term deposit accounts. The document also outlines the procedures to open a bank account and lists the advantages of having a bank account such as safe custody of money and access to loans.
The document discusses banking transactions and bank accounts. It begins by defining the term "bank" and listing its key characteristics such as dealing with money, accepting deposits, and lending loans. It then explains various banking transactions and types of bank accounts including savings accounts, current accounts, recurring deposit accounts, and term deposit accounts. The document also outlines the procedures to open a bank account and lists the advantages of having a bank account such as safe custody of money and access to loans.
This presentation was used during the Money SMART webinar in November 2015. It discusses discuss the key components of handling your money management with a list of resources to help you through new or challenging life events.
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
This document provides an overview of basic banking services and activities related to checking and savings accounts. It covers why individuals need banks, the services banks provide, how to open and maintain checking and savings accounts, writing checks, avoiding overdrafts, and related terms and regulations. The document is presented as a series of lessons/activities with introductions, slides with key points and definitions, and handouts with processes and forms.
The document discusses two trade disputes that involved issues of non-discrimination and national treatment under WTO agreements. The first was the "Banana War" between the EU and Latin American countries regarding tariffs placed on banana imports. The second was a dispute between the EU and South Korea over taxes placed on imported alcoholic beverages compared to domestic soju. In both cases, the complaining countries argued that the policies discriminated against their exports in violation of WTO non-discrimination principles.
The document discusses various aspects of intellectual property rights as covered by the TRIPS agreement, including patents, copyrights, trademarks, geographical indications, and other forms of intellectual property. The TRIPS agreement aims to establish international standards for protecting intellectual property rights and provides minimum standards for regulation by member countries. It defines requirements for subject matter that can be patented or copyrighted, minimum durations of protection, and permissible exceptions and limitations.
IFS Federal insurance project report .pptranaajay900
The document discusses the functions and services provided by banks. It begins by explaining alternative places to keep money and associated costs, then discusses the traditional services banks offer like checking and savings accounts, CDs, loans, and safe deposit boxes. It also outlines expanded modern services such as insurance, investments, credit cards, and remittances. Finally, it notes how the 1999 Financial Services Modernization Act transformed the industry by allowing cross-selling of services, and highlights some community-related services provided by banks through activities like mentoring, board membership, scholarships, and funding affordable housing.
Indian Insurance and financial services .pptranaajay900
The document discusses the functions and services provided by banks. It begins by explaining alternative places to keep money and associated costs, then discusses the traditional services banks offer like checking and savings accounts, certificates of deposit, and loans. It also notes banks' expanded services now include insurance, investments, and small business support due to deregulation. Banks play an important community role by offering financial education, serving on local boards, providing scholarships, and funding affordable housing.
This document discusses various activities related to financial services:
Activity 1 discusses where people keep their money, the functions of banks, and the stability banks provide through FDIC insurance. Activity 2 evaluates the costs of formal bank accounts versus informal financial services, showing how banks can save money. Activity 3 discusses the traditional and expanded services banks provide, how the Financial Services Modernization Act transformed the industry, and community services provided by banks.
This document provides an overview of three activities related to personal finance: where to keep money, evaluating financial services, and the history and services provided by banks. The first activity discusses alternative places to save money besides banks and the benefits of FDIC insurance. The second activity compares the costs of formal bank accounts versus informal financial services and payday loans. The third activity outlines traditional bank services like checking and savings accounts, as well as expanded services now offered after financial deregulation, and ways banks support their local communities.
The document discusses three activities related to financial services:
1. Where individuals keep their money, including alternatives to banks and FDIC insurance.
2. Evaluating formal and informal financial services, comparing costs of alternatives to bank accounts.
3. Traditional and expanded banking services, including the impact of the Financial Services Modernization Act and banks' community involvement.
This document provides an overview of 7 activities related to basic banking services:
1. Why customers need banks and the differences between banks and credit unions.
2. The various services offered by banks such as money transfers, banking occupations, and electronic services.
3. Details on chequing accounts including terms, shopping for accounts, and account maintenance.
4. The process for opening a chequing account including forms of ID and signature cards.
5. How to write a cheque properly.
6. Maintaining a chequing account through activities like keeping a register, deposits, reconciling statements. and avoiding overdrafts.
7. Savings accounts including reasons to save, factors for shopping for
The document provides an overview of banking and financial institutions. It defines banking as accepting deposits from the public that are repayable on demand. Commercial banks engage in deposit taking and lending activities. Central banks act as bankers to commercial banks and engage in credit control to regulate money supply. Non-performing assets are loans that are overdue for over 90 days, impacting bank profitability. The Indian banking system has evolved from money lenders to include public and private sector banks.
National banks operate within a single country, while international banks provide banking services across borders. Some key differences are that international banks can process payments through telegraphic transfer and provide services like letters of credit internationally. They also provide consultancy on cross-border financing and cash management. International banks allow customers to bank in different currencies and avoid risks of local economic issues like inflation by keeping wealth offshore. However, offshore banking is also associated with money laundering and tax evasion.
This document provides information about various banking services and international banking services. It discusses payment services including checks, credit transfers, standing orders, direct debits, and plastic cards. It also covers deposit and lending services, investment and insurance services, e-banking, and correspondent banking, representative offices, branches, agencies, and subsidiaries for entering foreign markets. International banking services offered include money transmission, credit facilities, trade finance through letters of credit, forfaiting, and countertrade.
This document provides an introduction to commercial banking and financial services management. It defines commercial banks as financial intermediaries that accept deposits and make loans. It discusses how banks have expanded their service offerings beyond traditional banking to become general financial services providers. It also outlines various types of banks, financial institutions that compete with banks, the services banks offer customers, and trends impacting the banking industry like deregulation and technological innovation.
This document outlines 7 activities for teaching basic banking services: 1) why banks are needed and their services, 2) the various services banks provide, 3) checking accounts, 4) opening a checking account, 5) writing checks, 6) maintaining a checking account, and 7) savings accounts. Each activity contains slides on key topics like bank safety, electronic banking services, checking account terms, and opening and managing different types of bank accounts.
This document provides an overview of money and banking concepts including:
1. The definition and functions of money as a medium of exchange, store of value, and measure of value.
2. The roles of central banks in managing monetary policy and commercial banks in accepting deposits and issuing loans.
3. Types of bank accounts, loans, and payment methods like cash, checks, and debit/credit cards.
This document provides information about banking services and how to safely manage a bank account. It discusses the types of financial institutions, reasons to use a bank account, how to open an account, different account types like checking and savings, additional banking services, important bank employees, and tips for protecting personal information and avoiding identity theft. The objectives are to help readers identify major banking concepts, choose appropriate accounts and services, and safely manage their finances.
Commercial banks are financial institutions that accept deposits and make loans. They offer the widest range of services of any financial institution. In the past, banks focused on traditional services like deposits, loans, and check cashing. However, they now offer many diversified financial services as general financial providers. Nonbank competitors also provide similar services, like insurance companies and brokerages. Banks can be categorized as depository institutions like commercial banks and credit unions, or non-depository institutions like insurance companies and pension funds. The top 10 largest banks in the world by assets are led by Barclays and include other international banks like UBS and BNP Paribas.
This document outlines 7 activities for teaching basic banking services: 1) why banks are needed and their services, 2) the various services banks provide, 3) checking accounts, 4) opening a checking account, 5) writing checks, 6) maintaining a checking account, and 7) savings accounts. It includes slides on key banking terms, comparing account options, acceptable ID for opening an account, how to write checks and reconcile statements, and factors to consider for savings accounts.
The document discusses banking transactions and bank accounts. It begins by defining the term "bank" and listing its key characteristics such as dealing with money, accepting deposits, and lending loans. It then explains various banking transactions and types of bank accounts including savings accounts, current accounts, recurring deposit accounts, and term deposit accounts. The document also outlines the procedures to open a bank account and lists the advantages of having a bank account such as safe custody of money and access to loans.
The document discusses banking transactions and bank accounts. It begins by defining the term "bank" and listing its key characteristics such as dealing with money, accepting deposits, and lending loans. It then explains various banking transactions and types of bank accounts including savings accounts, current accounts, recurring deposit accounts, and term deposit accounts. The document also outlines the procedures to open a bank account and lists the advantages of having a bank account such as safe custody of money and access to loans.
This presentation was used during the Money SMART webinar in November 2015. It discusses discuss the key components of handling your money management with a list of resources to help you through new or challenging life events.
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
This document provides an overview of basic banking services and activities related to checking and savings accounts. It covers why individuals need banks, the services banks provide, how to open and maintain checking and savings accounts, writing checks, avoiding overdrafts, and related terms and regulations. The document is presented as a series of lessons/activities with introductions, slides with key points and definitions, and handouts with processes and forms.
The document discusses two trade disputes that involved issues of non-discrimination and national treatment under WTO agreements. The first was the "Banana War" between the EU and Latin American countries regarding tariffs placed on banana imports. The second was a dispute between the EU and South Korea over taxes placed on imported alcoholic beverages compared to domestic soju. In both cases, the complaining countries argued that the policies discriminated against their exports in violation of WTO non-discrimination principles.
The document discusses various aspects of intellectual property rights as covered by the TRIPS agreement, including patents, copyrights, trademarks, geographical indications, and other forms of intellectual property. The TRIPS agreement aims to establish international standards for protecting intellectual property rights and provides minimum standards for regulation by member countries. It defines requirements for subject matter that can be patented or copyrighted, minimum durations of protection, and permissible exceptions and limitations.
The sugar industry in India is located near sugarcane producing areas for economic reasons. The two largest sugar producing states are Uttar Pradesh and Bihar, which together account for over 25% of India's sugar production. The industry has faced challenges including outdated production methods, small factory sizes, underutilization of byproducts, difficulties concentrating cane cultivation, and high costs of cane, taxes, land rents, and refining waste. However, the industry has expanded significantly since receiving protection in 1931, growing from 29 factories that year to over 300 by 1990.
Nokia international product life cycle 1Nits Kedia
1) Nokia was founded in 1865 as a paper company and diversified into rubber, cables, and telecommunications. In 1996 the companies merged to form Nokia Group.
2) Nokia entered the mobile phone business in 1981 and launched the first GSM network in 1991. It became a global leader in mobile phones and networks.
3) Nokia entered the Indian market in 1994 and has since established local manufacturing, R&D centers, and launched several "firsts" for India including the first phone with an Indian ringtone.
The document describes Nokia's Morph concept device, which was showcased at the Museum of Modern Art exhibition "Design and the Elastic Mind". The Morph concept uses nano-scale technologies being explored by Nokia Research Center and the Cambridge Nano-science Centre to create radically different devices with new capabilities. These include flexible, transparent, self-cleaning materials; integrated sensors to learn about the environment; and technologies allowing devices to change shapes and configurations. The document discusses how these nano technologies could enable new applications and interactions through mobile devices.
Resources can be tangible like land and coal or intangible like knowledge and health. A resource is defined by its ability to achieve a goal. Resources are dynamic and can increase or decrease based on factors like knowledge, technology, and human wants. The interaction between nature, man, and culture leads to the creation of resources as man discovers how to utilize things from nature. Man plays a key role in transforming neutral materials into resources by developing them to meet human needs and wants. Culture is the sum of tools and practices developed by man with nature's assistance to help achieve objectives. Being conscious of resources allows for their more efficient utilization and expansion of total resources. Trade is linked to resources as surpluses and deficits of different resources in
Vineet Nayar, CEO of HCL, sought to "destroy the office of the CEO" by empowering employees and making them the priority over management. He led a transformation making the company's motto "employee first, customer second" and gave employees transparency, accountability, and decision-making power. Indian leaders prioritize developing a strong organizational culture and guiding employees, seeing these as more important than representing investors like Western leaders do. They motivate employees through transformational leadership styles and build commitment by engaging them, empowering them with communication, and heavily investing in training.
This document discusses leadership styles across different cultures. It begins by outlining the objectives of examining philosophic foundations of leadership and comparing styles between regions like Europe, Japan, China, and the Middle East. It then provides details on leadership theories like McGregor's Theory X, Y and Z. The document also analyzes differences in leadership approaches between cultures, such as the emphasis on participation in Japan compared to variety reduction in the US. It concludes with a discussion of universal leadership qualities and findings from the GLOBE study on the relationship between cultural values and preferred leadership behaviors.
The document discusses Indian labor and employment discrimination law. It provides definitions and context for key terms like industrial law, labor law, and employment law. It then summarizes three important acts: Title VII prohibits discrimination based on characteristics like race and sex. The Equal Pay Act of 1963 prohibits unequal pay for men and women performing similar work. The Age Discrimination in Employment Act protects those 40 and older from age discrimination. The document also outlines common defenses to discrimination claims and areas of discrimination like age, disability, equal pay, and more.
The WTO was established on January 1, 1995 to replace the General Agreement on Tariffs and Trade (GATT) and embody the results of the Uruguay Round negotiations. It administers trade agreements negotiated by its member states covering trade in goods, services, and intellectual property. The WTO has expanded membership beyond GATT and established a binding dispute settlement system not present under GATT.
This document discusses intellectual property rights (IPR) transfers between US and foreign companies. It provides several reasons why companies transfer IPR, such as licensing trademarks or knowhow to foreign companies in exchange for fees. The document also discusses international treaties that help standardize and protect IPR, such as the Paris Convention (for patents and trademarks), the Patent Cooperation Treaty, European Patent Convention, Madrid Protocol (for trademarks), and the Uniform Domain Name Dispute Resolution Policy. These treaties aim to reduce discrimination against foreign IPR holders and establish common application processes across multiple countries.
The document summarizes the key objectives and developments of India's various five-year plans since the first plan in 1951 up until the eleventh plan from 2007-2012. Some of the major goals addressed were improving agriculture, boosting industry, developing infrastructure like roads and electricity, education, healthcare, poverty alleviation, and increasing economic growth rates. The plans helped develop India's economy and shift towards greater industrialization and liberalization over time.
This document provides information on import clearance procedures in India. It discusses the key steps which include filing a bill of entry, assessment of goods by customs authorities, payment of applicable duties, and clearance of goods from the port. There are three main types of bills of entry - white (for home consumption), yellow (for warehousing), and green (for clearance from warehouse). The document also describes differences between the EDI and non-EDI systems for submitting import documents electronically or manually.
The document discusses several key differences between domestic finance and international finance. International finance involves cross-border transactions that are exposed to foreign exchange risk and political risks from operating in different countries and currencies. Managing finances is more complex for multinational corporations that must navigate varied economic, legal, cultural, and tax environments across nations.
The document discusses how humans create cultural environments by making changes to the natural environment. It provides examples of how we develop culture to adapt to nature, such as using air conditioning and heating. Culture is defined as the distillation of total human experience and separates humans from other species. Through qualitative increases in social organization, use of techniques, and control of materials, culture allows humans to direct resources in a way that affects economic development. Racial and religious beliefs also influence how resources are utilized.
Globalization refers to the integration of economic, technological, cultural, and political activities worldwide. It involves four main components: the globalization of markets, labor and production, finance, and technology. As countries integrate their economies through trade, foreign direct investment, and capital flows, globalization impacts domestic industries, employment rates, and standards of living both positively through economic growth and negatively by increasing competition. Multinational corporations play a key role in driving globalization by operating subsidiaries across borders. Companies approach international business using strategies that range from ethnocentric to geocentric as they adapt to different country markets.
The document summarizes the Foreign Corrupt Practices Act (FCPA) of 1977, which makes it unlawful for certain classes of persons and entities to make payments to foreign government officials to obtain or retain business. Violations of the FCPP can result in fines up to $2 million for corporations and $1 million for individuals, as well as imprisonment up to 5 years. Enforcement of the FCPA increased in the 2000s, with the SEC and DOJ bringing more cases and imposing larger fines against companies found to have violated the act. Following the FCPA, several other countries adopted similar laws against transnational bribery.
The document discusses financial services. It defines financial services as mobilizing and allocating savings through various financial activities. It notes that financial services are customer-oriented, intangible, require simultaneous performance by suppliers and consumers, are people-intensive due to the dominance of human elements, and are perishable since services cannot be inventoried. It outlines traditional financial activities like fund-based and non-fund based services as well as modern financial engineering activities.
Financial services are the economic services provided by the finance industry, which includes organizations that manage money such as banks, credit card companies, insurance companies, stock brokerages, and investment funds. The financial services industry comprises three primary sectors - banking, securities and commodities, and insurance. Banks store clients' money, invest it to earn a return, and pay interest to savers. Investment services help individuals invest in stocks, shares, or funds through financial products like mutual funds and equity funds. Venture capital provides money to startup companies and small businesses. Credit card companies provide lines of credit to consumers in exchange for interest on purchases charged to the card.
Eurobonds are international bonds that are underwritten by multinational banks and placed in countries other than where the currency is from. Around 75% are denominated in US dollars. Companies issuing Eurobonds pay slightly lower interest than domestic US bonds. The main advantages are increased liquidity, protection from market shocks, guaranteed funding for EU countries and improvement of the euro internationally. The main disadvantages are possible free-riding, tensions with the no-bailout clause, and questions around credibility and politics. The Eurobond market has grown since 2001 as the euro became more important internationally for investors and issuers.
South Dakota State University degree offer diploma Transcriptynfqplhm
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Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
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During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
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Financial services intr
1. • Activity 1…….Where Do I Keep My
Money?
• Activity 2…….Evaluating Financial
Services
• Activity 3…….Banks, Yesterday and
Today
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2. ACTIVITY 1
Where Do I Keep My
Money?
Overview
• The functions of banks
• The cost of alternative financial services
• The stability of banks
Introduction to Financial Services - Activity 1
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3. PLACES TO SAVE MONEY
Would you save your money in any of these
places? Why? Why not? Can you think of
other places to save money?
• Bed & Mattress
• Cookie Jar
• Pillow
• Wallet
• Money Belt
• Small House Safe
Slide 1 - Places to Save Money
Lesson Reference: Introduction to Financial Services, Activity 2 – Overhead 1
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5. FEDERAL DEPOSIT INSURANCE
CORPORATION (FDIC)
• Established in 1933.
• Insures most Savings, Checking,
and other Deposit Accounts,
up to $100,000 per depositor,
per institution.
• Applies to most Commercial
Banks, Savings Banks, and
Savings Associations.
Slide 3 – FDIC
Lesson Reference: Introduction to Financial Services, Activity 1 – Overhead 2
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6. Overview
• Formal and informal financial services
• Costs of alternative financial services and
average bank accounts
• Advantages of establishing a banking relationship
ACTIVITY 2
Evaluating Financial Services
Introduction to Financial Services – Activity 2
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8. Slide 2 – How a Bank Can Save You Money
Lesson Reference: Introduction to Financial Services, Activity 2 – Handout 2
HOW A BANK CAN SAVE YOU MONEY
Monthly Fees without a Bank Monthly Fees with a Bank*
• $80 to cash paychecks
• $3.81 on money orders and
stamps to pay bills
• $15 to send money to family with a
wire transfer company
Monthly cost: $98.81
Annual cost: $1,185.72
• $0 to directly deposit paycheck
• $0 to get cash from bank's
ATMs or make debit card
purchase
• $0 to pay monthly bills using
electronic bill payment
• $5 to send money to family
Monthly cost: $5.00
Annual cost: $60.00
Annual Savings by Using a Bank: $1,125.72
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9. Slide 3 – Advantages of a Banking Relationship
Lesson Reference: Introduction to Financial Services, Activity 2 – Overhead 2
ADVANTAGES OF ESTABLISHING
A BANKING RELATIONSHIP
Nearly everyone needs a bank account to help manage his
or her day-to-day money.
Bank accounts can help you to:
• Pay bills
• Manage your money
• Receive money
• Send money to a friend or family member
• Keep your money secure
• Start building wealth
• Earn interest
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10. ACTIVITY 3
Banks, Yesterday
and Today
Overview
Introduction to Financial Services - Activity 3
• The many traditional financial services provided
by a bank
• Other expanded financial services provided by
a bank
• The impact of banks throughout the community
10
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11. TRADITIONAL
SERVICES
OF BANKS
• Checking Accounts
• Savings Accounts
• CDs (Certificates of
Deposit)
• Savings Bonds
• Loans
• Car
• Home
• Personal
• Safe Deposit Boxes Slide 1 - Traditional Services of Banks
Lesson Reference: Introduction to Financial Services, Activity 3 – Overhead 111
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12. EXPANDED
SERVICES
OF BANKS
• Insurance Sales
• Small Business
Advising and Loans
• Investments
• Credit Cards
• Remittances
Slide 2 - Expanded Services of Banks
Lesson Reference: Introduction to Financial Services, Activity 3 – Overhead 2
TRADITIONAL
SERVICES
OF BANKS
• Checking Accounts
• Savings Accounts
• CDs (Certificates of
Deposit)
• Savings Bonds
• Loans
• Car
• Home
• Personal
• Safe Deposit Boxes
12
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13. FINANCIAL SERVICES
MODERNIZATION ACT (1999)
Transformed the banking industry. Eliminated many
restrictions among companies in the securities,
banking, and insurance industries.
Results?
• Banks may offer some insurance and investment
services.
• Investment and insurance companies may offer
some traditional banking services. Investments are
not insured by FDIC.
Slide 3 - Financial Services Modernization Act
Lesson Reference: Introduction to Financial Services, Activity 3 – Overhead 3
13
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14. SOME COMMUNITY-RELATED
SERVICES OF BANKS
• Bank employees mentor students in areas of
basic financial skills.
• Bank employees serve on community
organizations’ boards of directors.
• Banks provide scholarships to students going
into the banking profession.
• Banks fund affordable housing construction.Slide 4 - Some Community-Related Services
Lesson Reference: Introduction to Financial Services, Activity 3 – Overhead 4
14
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Editor's Notes
These slides are derived from the Citigroup Financial Education Curriculum. For additional background and information, you may find the complete set of lessons at http://curriculum.financialeducation.citigroup.com. It is advised that you complete the following steps before you present any activity: Review the Facilitator’s Guide of the Citigroup Financial Education Curriculum, which can be found on its CD-ROM or at http://curriculum.financialeducation.citigroup.com. For information regarding online facilitator training, please contact fetraining@citigroup.com. 3. Review the materials thoroughly and be prepared with copies of the presentation or from the lesson. Determine for yourself whether or not you are truly comfortable presenting any activity. If you are not, you should ask for assistance, team teach with a colleague who is comfortable with the material, or teach a different lesson. 4. Each of the activities in this presentation may take up to 50-60 minutes.
Presentation opening • Welcome the participants. • Introduce yourself briefly. • If this is the first meeting with the class or group, do a brief round of introductions by everyone. • When introducing yourself, print your name where the participants can see and refer to it during the session. For whatever reason, some people may be a little nervous and may not remember your name. Just as you want to use their names, encourage them to call you by your name. Start the discussion by asking a series of questions in support of the activity objectives. These questions should not be asked in a prying tone but rather in a light-hearted manner. If no one answers, don’t make an issue of it, just move to the next question. Opening Questions • Who has money? This question is not asking, “ How much? ” but rather, “Who has money?” • What do you do with your money? Responses will vary but the most prevalent response will probably be that people spend their money. • Where do you put your money for safekeeping? Responses will vary and might be interesting, but will probably include such places as a wallet, dresser drawer, banks, etc. be sensitive to individuals’ feelings about the places where they put their money. • Wherever you keep your money, do you feel it is safe in that spot? Responses may vary. • If you want your money to be safe and secure, where should you place it? Answer: A bank or credit union.
Introduce “Slide 1: Places to Save Money,” which illustrates places to save money—all unsafe—by asking the question, Would you save your money in any of these places? Why? Why not? Remind everyone that many people have been hurt by using one of these places, only to have their hard-earned money lost in a fire, robbery, or even by forgetting where they have placed the money.
Display “Slide 2: Alternative Financial Services.” Ask participants whether they have used or are familiar with any of these services. Review the definitions: • Check-Cashing Services To cash a paycheck or government check, these businesses charge a percentage of the amount of the check as a fee. For example, cashing a $200 paycheck could cost as much as $8 each week. In a year, that adds up to $416. • Check-Deferrals, Cash Advances, Payday Loans Whichever name is used, these are considered short-term, high-interest-rate loans. The customer writes a personal check, including a fee (interest rate). The lender cashes the check for the customer and agrees to hold the check until the next payday. Oftentimes, the borrower will need to take out additional loans to cover the fees and to make it through to the next payday. This can lead to a vicious cycle of debt that can be difficult to pay off. • Pawn Shops Here you can get loans at very high interest for the value of goods, including electronics and jewelry. • Rapid Tax Refunds To get your tax refund early from someone you pay to prepare and receive your tax return, you may have to pay a significant portion of your refund for the service. • Rent-to-Own Renting items such as home appliances or entertainment systems before buying them from the same business can add up to fees much higher than the cost of using credit to pay for the same items. • Other Financial Services Financial services can come in many other forms, as well — prepaid debit cards, title loans, and check-cashing services at the grocery store are just a few examples. If participants have used any of these services, have they thought about how much they pay for them? If they use any unregulated services, have they thought about the potential risks? It is important to learn that these services come at a high price that makes it nearly impossible for their customers to build wealth. Ask them if they can think of other informal services that people in their community use. For example, they may have a neighbor who cashes checks for a fee.
During this lesson, you’ll discuss another place providing check and loan services that costs much less: a bank. Ask participants: Do you feel that banks are safe? Why? Why not? You might want to make a list of the reasons on a flipchart, blank transparencies, or white board. Be sensitive to responses. Reinforce the point that some of the reasons for this activity are to show that: • banks have been around for a very long time • banks are safe • banks really want to help individuals with the safe care of their money Then, remind everyone that the two fundamental functions of a bank are to: • Keep or safeguard people’s money. • Loan people money. Ask if anyone can share with the group about how and why banks started. • After a few responses, explain that many, many years ago, gold, silver, and other precious metals were deposited with the town goldsmith or silversmith until the people needed it. As a result, informal banks were born. • Eventually, the people who placed their valuable metals in such places saw no reason to keep going back and forth for portions of their wealth. Most people did not like the risk of robbery. • This is when early versions of checks were established—mere slips of paper that one person would write out and another would accept in payment for goods and services. • If someone really wanted to go and turn in the slip of paper for the actual metals, they could do so—but why should they when people would accept and honor each other’s slips of paper? What makes our banks safe? How do we know that when we go to get our money from the bank that it will be there? • Accept a few responses. The group may come up with other safety measures such as vaults, security guards, good bookkeeping systems, or the FDIC. After this discussion, use “Slide 3: FDIC" to explain the background and importance of the FDIC. • If participants want to be sure of what the FDIC insures, encourage them to talk with their local bank. • Note that most deposit accounts are insured through FDIC, but products such as certain money markets may not be insured.
Review the topics for discussion in this activity: • Formal and informal financial services • The various costs of financial services • Advantages of using banks
Write the terms “formal financial services” and “informal financial services” on the flipchart. Ask participants to describe the difference between formal and informal financial services. After a few examples have been discussed, display “Slide 1: Formal and Informal Financial Services.” Explain to participants that alternative financial service providers, such as payday lenders and check cashers, operate outside the system of federally insured financial institutions. These institutions can be much more expensive and are generally less regulated than traditional financial institutions. Along those same lines, cultural savings clubs do not have the same regulations to protect consumers as banks and credit unions, but are very common in certain communities and have been beneficial to people. be careful not to pass judgment on these types of services. Rather, explore them as another service that does not provide the same kind of protection as a financial institution.
Display “Slide 2: How a Bank Can Save You Money.” Walk participants through the example to compare the costs between bank services and alternative financial services. Go over the example “How a Bank Can Save You Money.” Ask participants to take a few minutes to think about the financial services they currently use. Give them time to list ways they could save money on the cost of financial services. *Example assumes the bank account is not incurring any account fees, including monthly maintenance, per-check, non-sufficient fund (NSF), or debit card transaction fees. Now that participants realize how banks can save them money, ask them whether there are other advantages to establishing a bank account. Write their responses on a flipchart.
Use “Slide 3: Advantages of Establishing a Banking Relationship” as a closure and summarize some key reasons why using a bank can be beneficial.
Start the presentation by asking for a show of hands from anyone who has been to a bank lately. Who went to a bank today? Who has been to a bank in the past week? Did anyone use an ATM? Did anyone go inside to see a teller? Follow up by asking those individuals to share their reason(s) for going to the bank. • On a flipchart, white board, or blank transparency, list the reasons. • Keep this chart handy as a reference to use in closing. Tell participants that the purpose of this activity is to become aware of: • The many traditional financial services provided by a bank. • Other expanded financial services provided by a bank. • The impact of banks throughout the community.
Ask participants to describe their first visit to a bank. Responses will vary but could range from having never been in a bank, to going to the bank as a child with their parent, to going to the bank to open a checking account, etc. On a flipchart, white board, or blank transparency, record the responses to the question, Why do people go to a bank? • Responses will vary and could be endless, but will probably include some of the following: cash a check, get a money order, deposit money, buy a savings bond for a child’s birthday, use the ATM machine, etc. • The goal of listing reasons to go to a bank is to establish a current mental picture for the participants of the various traditional financial services provided by banks. The next step will be to enlarge their current mental picture of banking. Use “Slide 1: Traditional Services of Banks,” to identify and define the traditional services provided by banks. • Provide a brief one or two sentence definition of the services. • Avoid lengthy discussions about each element by answering questions briefly and reminding participants that future sessions will cover the topic in more detail. • Note that the list on the transparency represents examples and may not be all-inclusive.
Ask if anyone believes that banks have changed over the years in the services they provide. If yes, in what ways have they changed? Responses will vary. Use “Slide 2: Expanded Services of Banks,” to explain that while banks once were very basic and traditional in their financial functions (accept money and make loans), they now have an expanded and varied list of services.
Ask if anyone knows what happened to allow banks to expand their services. • Use “Slide 3: Financial Services Modernization Act (1999)” to explain the process. • You might want to allow the participants a few minutes to read the transparency and then ask for their interpretation of the Act. • Note that investment accounts such as mutual funds and annuities are not insured by the FDIC.
Remind everyone that banks are financial institutions but that they also see themselves as a vital part of community life on a daily basis. They want to be seen as participants in all areas of community life. Using the flipchart, white board, or a blank transparency, ask the participants to brainstorm places where they have seen the names of banks. Responses will vary but may include some of the following: • Sponsorships (sporting events, Little League sports teams for boys and girls, educational television programs) • Floats in community parades for Christmas, 4th of July, Veterans Day, etc. • Funding for affordable housing construction Remind the participants that while they might easily recognize the traditional ways in which banks partner with the community, there are other ways that might not be as readily seen to the public. • Use “Slide 4: Some Community-Related Services of Banks” to illustrate some of these relationships. Thank everyone for their participation, and encourage them to return for additional sessions. If such sessions are scheduled, you might provide a “ sneak preview” of any activity to come.