Category: Banking & Money

Top 4 Banks Of Singapore And Their Requirement To Open A Account

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Singapore is a commercial hub, currently there are 140 commercial and 80 merchant banks.It is always advisable before opening a bank account you must browse all information , what facilities different banks offers.There are several banks in singapore such as HSBC, citibank, abn amro, dbs , Standard Chartered etc.All these banks are famous for their customer services, you can choose any of the them.

Some of the well known Singapore Banks

United Overseas (UOB) : It is one of the best bank in singapore, has branches in Malaysia, Thailand, Indonesia and China.UOB provide a lots of services such as life assurance, general insurance, corporate finance, investment banking, commercial and corporate , private , personal financial services and asset management.

Oversea Chinese Banking Corporation (OCBC) : OCBC in Singapore was formed in the year 1932 by the merged of OCBC , Chinese Commercial Bank Limited, the Ho Hong Bank Limited and the Oversea-Chinese Bank Limited. The main aim of bank is solving the financial needs of the customers for both personal and business purposes.

Development Bank of Singapore (DBS): It is one of the top bank of singapore .DBS enjoys the top most positions in consumer banking, management of assets, securities brokerage, treasury and markets, equity and debt fund raising.It is one of the leading bank in singapore and working with a aim to solve the customer problem.

Citibank: The main branch of Citibank in Singapore is located at MacDonald House in Orchard Road. It offers full bank services and shares its ATM network with HSBC, ABN AMRO, Standard Chartered and Maybank. Citibank in Singapore is a branch of Citibank N.A of the United States.

Types of bank account in Singapore
Current accounts It is used for everyday banking. It is require a minimum balance be maintained. Interest rates paid on current accounts are mainly low

Savings accounts Basically saving accounts pay a higher rate of interest than current accounts. Savings accounts require a minimum balance to be maintained

Fixed-deposit accounts This account is used for long-term saving, with interest rates offered typically higher than either current or savings accounts.

Opening a account in singapore

In order to open a bank account you require:
1. A photocopy of your passport , it act like a Identity proof.
2.Employer’s letter : Bank only open account , if you are a resident or have an employment visa.
3.A recent phone bill
4.A copy of residence proof.
5.Initial Deposit : a intial deposit is required to deposit in the account.

Timing
Most of the banks of singapore works from 9.30 a.m to 3 p.m (Monday to friday)
9.30a.m to 11.30 on saturday.
Sunday closed.

What you get with your bank account

Services of accounts various from banks, and depending upon type of account you choose , you will recieve a cheque book, ATMcard and Network for Electronic Transfers.

Commercial And Consumer Micro Small Ticket Banking And Leasing Is Accessible To Dealers And Vendors Clients.

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Commercial and consumer micro small ticket lending and leasing is offered to dealers and vendors customers. In this economy, consummating sales is difficult enough and this available financing could be a deal maker for the dealers and vendors clients.

U.S Corporate Capital Leasing Group offers small-ticket consumer and commercial micro ticket lending and equipment leasing to all new and credit-challenged businesses of any volume to its customers through our bank network. To assist close more deals, we work with different micro ticket lenders providing our customers with a choice of banking options, including start up businesses.

U.S Corporate Capital Leasing Group concentrate on providing financial solutions for micro-ticket transactions, or equipment ranging from $500 to $25,000. The majority of other leasing companies simply wont consider Micro-ticket leasing because they are paying attention on more high-priced equipment deals

Our lenders can support more of the customers that dealers serve, and canin general approve 50% of the clients that other leasing companies cant or wont. Our banks use their own Proprietary Credit Scoring Model and Risk Adjusted Pricing unlike other leasing companies that make use of a pass / fail system. This means they can allow more credit situations, including:

Start-up businesses with no business credit history
Businesses in certain industries that are usually disqualified by other leasing companies
Businesses with challenged credit histories
Our lenders offer both consumer and commercial leases.

No Tax Returns, Financial Statements, Asset Documentation

Products that are not accepted include titled equipment, 100% software, fixtures, bankcard terminals, ATM, used copiers

For start-up restaurant lease transactions will be subject to a minimum security deposit of 5% along with one advance payment. Security deposits can either be applied towards the end of the lease or be returned at end of lease.

Our Lenders lease nationwide, including Alaska and Hawaii, however Puerto Rico and Canada is excluded.

In conclusion, these difficult economic times have put ahuge strain on the vendor, dealer and the client This program offers the vendor/dealer a way to get his client financed without all the red tape. This can generate a stimulus for sales and decrease the burden of trying to get a customer authorized for a small ticket item. For the client without the capital available to get the deal bought for cash, this also gives them a win win condition to get the deal done. These hard economic times have restricted the available financing in the marketplace but this is a excellent answer for all.

Are Online Quick Money Makers Possible

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With such an ever-growing number of people who decide to chance their arm at an online business, it is becoming increasingly difficult to think of something new. However, there are also more and more potential customers in a world-wide market that is expanding even into places like Africa. Moreover, there are needs that people have nowadays that they didn’t have a few decades ago. Back in the time when the man of the house went to work and his wife, cooked, cleaned and took care of the kids, there wasn’t much of a market for things like, car modifying, multi-level marketing of correctable marker pens, children’s hair washing chairs and other such products and services that people are now convinced they couldn’t live without. Therefore, new ideas of what may appear crazy and unmarketable products or services might just make a millionaire out of someone. And, who wants to wait for years to become rich?

Quick money makers are possible in an infinite number of ways, so long as the person or people keep an open mind and are prepared to work hard on promoting and continually searching for customers for what they want to sell. It probably goes without saying that the most popular way nowadays and the most successful is to get the product or service online, in order to have maybe more than one billion prospective customers. However, it is also worth bearing in mind that what is good can also be bad. Consider this; once your new and great idea is out there, it is available not only for customers to see, but also others, who may want to steal it. So, if you have a new idea to earn money quickly, and not on a huge scale, there is a certain amount of sense in keeping it as far away from the good-old World Wide Web as possible. But limiting your chances of becoming a victim of your own success is definitely going to reduce the potential money earned.

The decision needs to be made right at the beginning of a new business venture on whether or not to ‘go online.’ It goes without saying that deciding afterwards that one should not have marketed your quick money maker on the web is a mistake. However, changing one’s mind in the other direction is far less damaging. The moral of the story is, ‘think big and you may win or lose big, but thinking small may be safe but hardly very profitable.’ There are people out there who, in a year or less from now, could be depending on your creation, invention or new product or service.

The Revolutionary Concept of Cord blood banking is making life better

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The concept of cord blood banking can be considered a boon to mankind. Placenta and umbilical cord that used to be discarded by doctors after delivery has now become a lifesaver. These organs are said to have a lot of potential and the cord blood stem cells collected from them can treat several pediatric disorders.

Disorders that can be cured with cord blood:

There are several disorders that can be cured if you decide to get your baby’s cord blood stem cells stored after delivery. Some of them include: Multiple Sclerosis Stroke Cerebral Palsy Spinal Cord Injury Beta – Thalassemia Cardiac Diseases Diabetes Parkinson’s Disease Renal Cell Carcinoma Acute/ Chronic Leukemia Plasma Cell disorders Alzheimer’s disease Renal Cell Carcinoma

Procedure of cord blood banking:

Baby or the mother will not experience any pain during the collection of cord blood. The procedure is safe and it just requires few minutes. Once the baby is born and the umbilical cord is clamped and cut, cord blood is collected immediately. A special bag is used for storage.

What are the benefits of cord blood banking?

There is no doubt that the process of banking the cord blood is expensive but if you look at it as an insurance of investment for your child’s future, the cost won’t matter. There are many children all over the world who suffer from lymphoma, leukemia, thalassemia, sickle cell diseases and other disorders that can be treated with cord blood transplant. All these kids can be cured if cord blood stem cells were stored during their birth.

How expensive is cord blood banking:

There are many families that cannot afford to pay for banking cord blood stem cells. Private banking is high in rates since the storage procedure is complex. Cost is one of the main concerns that stops many families from benefiting from cord blood banking. A lot depends on the type of cord blood bank you have chosen. For instance, StemOne is one of the leading cord blood banks in India that has been successful in offering this service to many families since 2005. You can contact the bank for their rates and more information about their services.

So, if you really want to make sure that your child’s health is secure after his birth, take the pain of finding more information on cord blood banking.

Author Bio: Indrajit Roy is the business development head of StemOne, India. He has a bachelors degree in molecular biology and been actively involved in this field for several years. He likes to share ideas and recent developments in the field of stem cell treatment and cord blood banking through writing.

How To Use Authenticators To Solve Online Banking Security

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There is still skepticism of online banking because of security and the skepticism is legitimate. Some banks have failed to keep their customer information safe. There are instances where massive debit card numbers have been stolen making one wonder how secure the online banking really is. There are also issues of key-loggers and malicious software that literally steal the information you type into your computer making it easy to break into your account and do things with your money that you never approved of. However, there is a technology that could help solve most of these issues on the user side.

There is a device called an authenticator that could be an extra layer of protection for the customer. How this works is when logging into the bank account the customer would need their login, their password, and the number from the authenticator device. This small device that can go on a keychain has a button pressed to give a number. That number is only valid for a minute. That becomes like the second password in order to log in. After a minute that number is never valid again.

This means that if someone wants to log into your account they have to literally steal this device from you and know your name and password to that account. This gives you physical control over access to your online account. If this is utilized by you, then it gives your banking account just one extra step of protection that you will need. Then spyware and key-loggers, even if getting part of the login, won’t be able to get into your account since you hold the physical piece.

The costs of these devices are fairly cheap most of the time coming well under $15 to the end user. If you want to bank online but are still skeptical of security, shop around for a bank that is serious about customer safety and offer authenticators for online banking.

Paypal Cash Money – Learn How To Make Your Own Paypal Cash Money Fast

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Many people may be known of Paypal as one of the world’s best online secured credit-card payment facilitators. It has supported over many countries around the world for its users to receive money or take money or even to make money by bringing more businesses to PAYPAL. Due to its convenience online service, you no longer have to queue at bank to pay your telegraphictransfer. Whether you are an online merchant or a buyer, PAYPAL is one of the best ways to make your transaction secured. Of course, you can also earn paypal cash too.
Paypal allows shoppers to:
Choose to pay using your credit and debit card, or bank account.
Make secure purchases without exposing your credit card number or bank information.
Using PayPal to shop on eBay or thousands of merchants worldwide.
Paypal allows sellers to:
Make credit and debit card transactions and bank account payments for low transaction fees.
Use Paypal to your website instantly
Gain access to a growing user list with millions of active online shoppers.
Good Points of Using Paypal:
No monthly or start-upfees or cancellation fees orno minimum payments. Lower transaction fees than other merchant accounts
Quick setup – Sign up and get started in minutes. No extra software or hardware needed
Paypal is an market leader in fraud prevention.It has 60%-70% lower fraud loss rates than other merchant accounts
Wide Network of buyers – One in three online buyers in the U.S. has a PayPal account, and over 58,000 users worldwide sign up for PayPal each day.
Earning Paypal Cash Money
Well, at this point you are wondering what you’ll need to do to make all this PayPal cash money. Well, continue to reading this post to discover one of the fastest way to make Paypal money fast. For those of you are unfamiliar with Paypal, you need to know that Paypal allows any publisher to make as much as $1,000 per each person you refer to PayPal.
Upon signing up the Paypal Merchant Referral Bonus Program, you are able to receive a portion of the transaction amounts of people you referred to PayPal. Once your affiliate supplier has used PayPal and receive a total of $200.00, you immediately receive an initial bonus of $1.00. Additionally, you will get 0.5% of the total amount of their payments for 12 months, up to $1,000. At this point you must introduce Paypal in your blog or website. Write about PayPal and give users unique information about it. Telling to people the pros and cons about PayPal, how you can use Paypal to earn your paypal cash from it.
This is just only one of the ways to make paypal money. If you are not contented to just wait and make only maximum US$1,000 for each referral over a period of time, then check this Fast Track Cash out. It has the most proven and advanced techniques to make your paypal cash money faster.

Making Great Money IS Part of Your Spiritual Path

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Every day I run into women who have a huge “giant-size” block when it comes to making great money doing work they love doing.

They range from writers, holistic practitioners, coaches, and speakers to high powered entrepreneurs and CEO’s. They give of themselves and their gifts and yet still charge way less than adequate fees to support themselves and create freedom in their lives; freedom to relax, freedom to live a life they know they deserve, and the freedom to stop struggling and striving every day.

This past week I had the opportunity to speak with many women and it was amazing and inspiring to hear from their spirit the gifts each one have been given and at the same time it broke my heart as I listened to the disappointment and frustration each of them was faced with in earning a living, much less the 6-Figures+ living I know they can achieve. All of them making a difference in the world, yet 95% of them not able to make ends meet.

I was in this same situation not too long ago …so how did I Breakthrough to a multiple 6-figure income?

I realized: Making Great Money IS Part of my Spiritual Path!

Previously I had felt somewhere deep inside that I was doing a greater work and that money was just a trapping of the physical world. That I was somehow above it.

It wasn’t until I lost everything I owned that I discovered how spiritual making great money really is…hmmm…and once my belief around THAT changed, everything began to change.

5 Keys to Up-Leveling your Spiritual Money Mindset:

Making Great Money IS part of my Spiritual Path the Universe wants you to be abundant, stress free, and happy. Your spiritual path is not about struggle, stress, and overwhelm

Making Great Money is Grounding walk your spiritual path with well grounded feet so you can stay in the game of life at a very high level and really make a substantial difference in the world

Making Great Money is Passion expressed and Passion received as you express your purpose and your gifts to the fullest each day you are rewarded financially and living your most passionate life

Making Great Money is Exciting If you’re not making great money you’re not helping enough people. Helping thousands of people is REALLY exciting!

It’s Easier to Make Great Money than it is to Make Less It is easier to find one client and charge what you’re worth, than it is to find 100 clients and undercharge
So let me ask you…If you were fully embracing the belief that making great money IS part of your spiritual path, what would you be doing differently?

Decide & Take Action today!

Indian Image Bank includes variety of Indian images

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India is a beautiful country, which symbolises -Unity in Diversity- through its diverse religions, traditions, manners, habits, customs, beliefs, concepts and ideas. Each region of India is unique and novel. Indian Image Bank is the best place for users to find images on each and every aspect of the country’s beauty. While glancing for images on India, users can find a wide range of images connecting to various fields, such as, Indian monuments, festivals and occasions, health and fitness, business, travel, leisure, education and urban culture, lifestyle, art and craft and many more.

Images play an essential role in escalating the essence of any content and making it more clear and credible. While searching for images on any topic related to India, one can find that Indian Image Bank is the most appropriate choice for it. One can also refine the search by deciding various groups and sub-groups. A variety of Indian Image Bank, which is simply accessible online, can easily solve any image-related need of users. Most of the websites proffer high-resolution images and thus, it would be easier for a writer to put in vivacity and liveliness to his or her write-up.

Another important aspect is the correct size of an image and for this purpose a huge collection of Indian Image Bank is available online. It can always be enjoyable by the readers. In many of the online image galleries, one image is available in different sizes. Therefore, it is quite easier for a person to get the image in the size he wants. It will finally help him to stay away from cutting, cropping related work. There could be many topics related to India and therefore, it was earlier a difficult job for users to choose the exact image. However, various online galleries on Indian Image Bank have put an end to the problem. All these galleries have wide range of pictures on different subjects pertaining to India and its vibrant culture under a single roof. So, now one does not need to roam around with a camera to click the right image.

So, if you are thinking of working on India and its outlook, you can certainly pick a few images by searching on several websites, providing colourful images. All these images can surely make your feature more pleasant and appealing. Lastly, if you have already captured some photographs, you can easily share them with any of such online galleries, as most of these websites offer a grand platform for forthcoming photographers.

Mart of Images presents an attractive gallery of Indian images. We are offering best collections of Indian Stock Photography, Indian Image Bank, Advertising Images, High Resolution Images. For more details visit our site :

What is load bank testing

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

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

Uses for load banks

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

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

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

Why is load bank testing important?

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

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

Get All the Latest Banking News on Bank Jobs

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You are one who wishes to keep yourself update with all banking news because there may be something in you for which you want to keep such a close watch on banks. To learn about the banks and banking news you need to check the webpage of bankingonly.com. This is the place to learn all new things about banks. You will find information from bank loans to interest rates and also the new RBI guidelines and rules for banks.

As the name suggests this webpage is something where you will get all news regarding banks. The bank market shares, the rise and fall of rupee value, the banking deals and much more about the banks are all discussed and notified at this webpage. Bnakingonly has been around for few years and it tries to point out each and everything related to banks. The source is also useful to people who are in the lookout for bank jobs.

The bankingonly will lead you to the major banks or also the small local banks of the states likely grameen banks to tell you about the news and new things happening in these banks. Moreover it brings in the latest news of employment, vacant positions and recruitment drive of the banks. In short this is the most pleasant site to find all information regarding banks and banking related affairs.

Banking is one of the safest professions you can hope to get into. Jobs are aplenty, plus, banking jobs always look impressive in the resume.

Banking is one of the fastest growing sectors with lots of scope for employment. While recent mergers between banks mean a lesser number of manager level jobs, entry level banking jobs keep opening up. The salary is good and if you are ready to take on the responsibilities that they come with, here is how you can get started.

Author Bio –

The author is a financer and deals in financial solutions and suggestions. To learn more about Banking Jobs and Interest Rate visit www.bankingonly.com

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