Archive for October, 2014


Hiring Continues In The Middle East Wealth Management Bonanza

by como ·

Despite chilly global credit markets, the Middle Eastern wealth management arena is a recruitment hotspot. Firms are busily hiring senior executives to spearhead new wealth management teams. For example, Merrill Lynch recently appointed Mazin Al-Shakarchi as a financial advisor covering Qatar from the Bahrain office. HSBC Bank Middle East has appointed Walid Boustany to the role of executive director, strategic investments, Middle East & North Africa. He will be responsible for HSBC’s strategic planning across the region. Goldman Sachs, the US investment bank, has appointed Fadi Abuali as co-head of its Middle East private wealth management business, alongside current head Farid Pasha.

And there is more: the Central Bank of Bahrain has approved Douglas Hansen-Luke as Robeco’s new chief executive for the Middle East. Mr Hansen-Luke formerly worked in senior positions for ABN Amro Asset Management in Asia, Europe and Saudi Arabia. Bahrain-based Ithmaar Bank has appointed Shaikh Salman bin Ahmad Al Khalifa as managing director, group business development.

The rash of appointments seen in recent years will continue, barring an unlikely collapse in demand for wealth management, Professor Amin Rajan, chief executive of Create-Research, a UK consultancy on the investment management industry, told WealthBriefing.

Wealth managers are going into the Middle East in a big way, said Professor Rajan. This is a high-margin business to be in as banks get fees right along the value chain, he said. But although the region is lucrative, making money is not easy. Local investors typically punish poor investment performance quickly – often far faster than is the case with European or US clients, said Professor Rajan.

The real issue is to understand the client mindset. Client money [in the Middle East] isn’t sticky at all. When performance is bad they ask for a rebate, which is how it should be. If [wealth managers] can survive in the Middle East, they can survive anywhere, he added.

Barclays Wealth, for example, has every intention of doing more than just survive in the region. As an illustration of its ambitions, Barclays is moving into a new 14,000 square feet office in the Dubai International Financial Centre, which will be a hub for the firm’s operations in the region. Operating currently in Dubai and Abu Dhabi, Barclays Wealth is also planning to make its Doha Qatar office operational this year.

Barclays Wealth leadership believes that the Middle East is a core area of growth. A substantial investment in human resources and capabilities and a rigorous expansion plan will lead to a substantial increase in the scope of operations, Soha Nashaat, managing director, head of Middle East, North Africa & Turkey for Barclays Wealth, told WealthBriefing.
Like Professor Rajan, Ms Nashaat says wealth management firms entering the Middle East from outside the region must understand the local culture if they are to make a success of their business. For example, more than 70 per cent of businesses are family-owned, which requires managers to forge long-term connections.

Wealth managers must understand and cater to the regional trends such as the dominance of family offices, Ms Nashaat said. Investors tend to be intolerant of risk and hold a high proportion of assets in cash and in offshore locations, she added.

Middle Eastern clients put great stress on strong relationships with investment advisors and dislike high turnover in staff, a factor that wealth managers must consider in their staff recruitment and retention plans, Stuart Crocker, chief executive, Emirates Platform and Southern Gulf States, HSBC Private Bank told WealthBriefing.

People don’t like seeing relationship managers moving on every two or three years to other banks, he said. His own bank, part of the HSBC banking group, serves clients both from local Middle Eastern locations as well as from its teams of specialists in Geneva.

The general background for wealth managers is certainly favourable. The investable assets of HNW individuals will rise by 50 per cent between 2006 and 2010, according to Barclays Wealth data.

The number of HNW individuals rose by 11.9 per cent in 2006 from a year before, according to the latest Merrill Lynch/Capgemini World Wealth Report issued last June. Wealth management intermediaries have only started to manage a significant share of assets in the region. Research from Zurich International Life, for example, reveals that expats living in the Middle East prefer to rely on their own judgment or friends and family when purchasing financial products. The survey showed that fewer than one in ten expats would enlist a financial advisor, either in their country of domicile or residence, to help them make the financial decisions. Financial advisors have a vast untapped market to go for.

While researchers like PricewaterhouseCoopers have warned that wealth management firms face a skills bottleneck, hiring staff for Middle Eastern slots is being helped by a benign tax regime and attractive pay packages.

Private bankers in tax-free Dubai earn 25 per cent more than their peers in Geneva and almost 40 per cent more than colleagues in London, according to a recent survey by Dubai-based headhunter Dunn Consultancy FZ-LLC.

Excluding bonuses, private bankers in Dubai with at least 10 years experience receive an average salary of $276,500 with allowances, compared with pre-tax earnings of $221,900 in Geneva and $199,100 in London, it found.

The economics of wealth management in the Middle East certainly look compelling. For the time being at least, the toughest challenge for players in the region is keeping up with the pace.


Loans Guide

by como ·

Many people are confused by the different types of loans
available. Here is a helpful loans guide of the most common loans
available today.

Bad Credit Personal Loan

A Bad
Credit Personal Loan is a loan designed for the many people with a bad
credit rating. However created, your past record of County Court
Judgements, mortgage or other loan arrears can live on to deny you
access to finance that other people regard as normal. If you are a home
owner with equity in your property, a Bad Credit Personal Loan can bring
that normality back to your life. Secured on your home, a Bad Credit
Personal Loan can give you the freedom, for example, to do the home
improvements or buy the new car you really wanted. With a Bad Credit
Personal Loan you can borrow from


The Rise In The Commercial Investment In Uk

by como ·

There have seen adequate amount of people running the investment areas in the country by getting the right kind of profit required in a business. However it is seen that the UK Investment Property have gained a lot of reputation in terms of investment and have proven to be a great opportunity for the investors too.

The recent reports have shown that the increase in the investment at the UK shopping centers and malls have risen by many folds. The UK Investment Property that has gotten a name in the industry as a new target for a fruitful profit building is none other than the commercial investment. The buyers have started making investments in the areas and getting the higher opportunities as well. Along with that, the investment opportunities have risen in the areas because it was not the topic of interest formerly by the investors.

The buying and selling of commercial property has shown that the net yield of the commercial or shopping area property have increased by 7.5 percent, which is a huge difference from the previous stats. The international investors have turned their investments in this area as the news of taxes being evoked on the residential properties has increased a lot. The UK Investment Property provides a great platform for the foreign investors and let them have the right kind of opportunities that was never seen before. The shopping centers in the London city are worth more than any other property these days. The eight famous shopping centers in the city are more than 900 million pounds worth that makes it a great investment opportunity.

The head of shopping center in the city of London Bark, reported that the increase in the investment opportunities happened due to the fact of the greater number of factors to be invested upon. The stable growth in the property sector, considerably stable growth of economy as compared to previous number shave recently led the investors to move forward for a new domain of property investment that is commercial one. The main areas of Britain and London especially have the greater number of factors that are associated to them for better capital growth and yield.

The investors willing for UK Investment Property are now looking for the alternative and different kind of opportunities to have their investment on. The investment in the different areas lead to a better portfolio management and also makes them capable of making use of greater number of growth chances. The high level of investment in the area has certainly made it a hot new topic for the investors and has made it a better opportunity for them. Thus, the financial opportunities and the latest trends have made it a finest opportunity for the investors to invest in the area and to get a reasonable profit from assets.


Translation Services for the Oil and Gas Industry

by como ·

The oil and gas industry operates on a worldwide scale and connects some of the worlds largest countries. As the oil and gas industry evolves we have seen a resurgence in new exploration activity ranging from Greenland, Suriname, Brazil, Venezuela, Angola to name but a few.

This growth has in turn brought a significant demand for oil industry-specific translations in a variety of languages which can cause difficulties for those parties involved.

Selecting an accurate translation expert is critical to companies serving the energy sector, but oil and gas translation is one of the most difficult types of technical translation.

Key points to look out for when seeking a translation company for oil and gas translation services

A translation company with a proven track record working for oil and gas companies and having experience in the major exploration projects worldwide.

The company shall be able to provide evidence of expertise in the field, such as customer references and projects implemented.

A translation company with an experienced pool of technical translators, who also have certain economic and legal knowledge.

When translating documents for the oil and gas industry it is essential that only the most experienced technical translators are used.

Translators need to have knowledge on the basic processes in the oil and gas industry such as: mining of gas and oil fields, exploration, drilling, building of pipelines and booster stations, gas processing, oil refining, gas and oil recovery, flow metering, transportation and storage, description of the oil and gas equipment, retail marketing and etc.

Performing oil and gas translations, translators deal with documents such as: operation and maintenance manuals, equipment manuals, drilling expedition reports, performance data of installations, environmental impact assessments, social impact assessments, technical proposals, technical specifications, tender documents, insurance policies, international standards, weight measures and etc.
All those types of documents contain specific and complex technical and financial terminology, along with symbols and abbreviations, which are not standard.

Translators working with legal documents for oil and gas operations must have a general understanding of the rules and laws which govern oil and gas leases, royalties, land ownership and contracts and legal agreements for drilling and pipeline installation and usage,.

Translating terminology and jargon used in the oil and gas industry presents many unique challenges.

For a successful translation, extensive knowledge in technical oil and gas terminology is required, along with certain economic and foreign oil legislation knowledge.

The languages requested most often by the oil and gas industry are Arabic, Russian, French, English, Spanish, Portuguese and Dutch, meaning a translation company must have specialist translators in all these languages and many more.

Specific issues arise for professionals in the Russian language, who have the added responsibility of ensuring that their work, not only reflects the most commonly accepted terminology for this field, but also adheres to the codes and standards of the Russian Federation.

A translation company that uses up-to-date glossaries of technical terms, petroleum industry dictionaries, international petroleum terminological standards and terminological databases.
Accuracy is vital to good technical translations and a good glossary of terminology is the key to accurate translations.

Registered in the global network of First Point and Achilles oil & gas supplier databases in various countries and regions around the world.
– FPAL – UK & Netherlands
– JQS – Norway & Denmark
– RPP – Venezuela
– SICLAR – Argentina
FPAL works to identify, qualify, evaluate and monitor suppliers on behalf of its members.

A translation company that is able to work to tight deadlines for tenders and provide accurate and precise translations even under strict deadline delivery terms.
Tenders have bid deadlines and in a multimillion pound industry, there is no allowance for poor or late translations.

A translation company shall have a Quality Assurance Department that can tailor a workflow procedure for you so that no matter what language combination or deadline it will not seriously affect the quality of the translation that you receive. An experienced project manager will oversee every aspect of your oil and gas translation project to ensure all of your requirements are met and any unforeseen changes or amendments can be implemented smoothly without causing disruptions to the overall result.


Personal Loans Bad Credit To Complete Your Financial Troubles

by como ·

If you have poor credit score title in your credit score, then it does not mean you cannot get a person bank financial loan. There are personal loans bad credit available for people with a poor credit score. If you have a poor credit score — because you made late payments, missed payments, exceeded bank card limits, or filed for bankruptcy — these financial loans not only solve your money troubles, but also give an opportunity to raise your credit score.

Personal loans bad credit is available in secured and unsecured loans. Given that creditors bear greater risks these financial loans require better pay of interest and a greater down payment than the normal financial loans. The interest rate on the person bank financial loan for a poor credit score depends mainly on your credit score, the security offered, amount borrowed and person earnings.

Secured financial loans are for the homeowners. Insecure financial loans are the right choice if you need extra cash, but you do not qualify for easy. These financial loans require security, which includes items like automobiles and real estate. If you default on the repayment, then the lender is free to sell the security. However, if the value of the security is more than the amount borrowed, then you can expect to pay favored.

If you do not own a home you may want to regard as unsecured personal loans bad credit. Given that financial loans are not backed by any security their interest rates are greater than that on the financial loans. Though, inferior your credit score is the harder time you will be approved for effortless?

In order to get bad credit personal loans, first you need to check your credit score and credit score. The greater your credits score the more favorable the rates and the terms that you would get on the individual bank financial loan. You also need to provide all your private information to your poor credit score lender accurately because providing incorrect information may lead to the rejection of your application for the financial loan.

There are many creditors out there that are willing to lend you their money. You must research the creditors carefully, particularly when applying for personal loans bad credit online. Even though you need the financial loan so bad never agree to pay any types of processing fees. At all times check out the creditors with the Better Business Bureau. Since different creditors offer financial loans at different rates make sure the financial loan on the most favorable terms.

If you cannot get a financial loan from large creditors, try to approach smaller lending companies. Smaller lending institutions are more people in making an allowance for your eligibility for a person bank financial loan — they take the reasons for your poor credit score along with other factors. You can have a chance to get personal loans bad credit, if you can confirm that you’re responsible and that you have stable earnings to repay the financial loan.

Just the once you get personal loans bad credit and use the money for your financial needs, keep in mind to rebuild your credit score by paying on time and sending extra payments whenever you can.


The right for employment and the criminal record

by como ·

criminal records?

Chances are that there are criminals who pose themselves as a different person either using another name or just made himself someone out of thin air to get into employment or lives of others. From fake names to fake IDs or even fake college degrees, it is now possible to forge documents. These however are the real criminals. There maybe those who do this out of desperation yet a wrong doing can never be right. For those however who see themselves inline with -second chance-, what others has first set wrongly can greatly affect them. This is one hard throw for those who want to start in a clean turf.

It is indeed a pity for someone who wishes to start anew, throw his first chance of having one. A criminal record seems to be a billboard on neon lights posted on ones head. It’s hard to look past it yet it seems inhuman to not give a chance when it is being asked. Consideration-can it be given or not? This is one question that each of us must answer. “> Once convicted of crime, a person, after detained in prison, is usually given the benefits as allotted to them by the government supported by law. However, this freedom is bounded by the decision of an employer as to whether give them the consideration for employment or not. Is this discrimination or not?

It cannot be blamed that a persons with criminal records are given the benefit of the doubt when it comes to employment. Those under probation are usually the ones gravely faced with this problem than those who have gone out of jail for quite some time. It seems that trust is being questioned rather than the potential or talent one can offer for the affectivity of the job. People can not help but be careful nowadays when anyone can be suspected of even being a terrorist. A bag that was left, even if it was unintentional, in front of the store alerts the bomb squad or any swat team. If things can pull the alarm trigger what more a person whose face has been laid in criminal records?

Chances are that there are criminals who pose themselves as a different person either using another name or just made himself someone out of thin air to get into employment or lives of others. From fake names to fake IDs or even fake college degrees, it is now possible to forge documents. These however are the real criminals. There maybe those who do this out of desperation yet a wrong doing can never be right. For those however who see themselves inline with -second chance-, what others has first set wrongly can greatly affect them. This is one hard throw for those who want to start in a clean turf.

It is indeed a pity for someone who wishes to start anew, throw his first chance of having one. A criminal record seems to be a billboard on neon lights posted on ones head. It’s hard to look past it yet it seems inhuman to not give a chance when it is being asked. Consideration-can it be given or not? This is one question that each of us must answer.


Which Is Better Onshore Or Offshore Banking

by como ·

There are a lot of factors that made onshore banking as well as offshore banking different. Although they all have their own features and advantages, one is always better than the other. It is really hard to choose sometimes because of lack of knowledge regarding which is good and which works for you. Here are some questions that surely have crossed your mind as well as answers to help you decide on what to pick.

Which one would reduce your tax?

Onshore banking is subject to the tax and foreign exchange rules of the country in which the account is held, and depending on the size of your savings, and the tax regime of your onshore jurisdiction, the price you pay is likely to be fairly high if your savings are ‘considerable’. Therefore, if you are interested in reducing your tax exposure, and in relatively higher confidentiality levels, it would make sense to examine the possibilities available to you offshore.

Would you use an offshore bank account if you are with an onshore savings already?

Onshore banking is subject to the tax and foreign exchange rules of the country in which the account is held, and depending on the size of your savings, and the tax regime of your onshore jurisdiction, the price you pay is likely high if your savings are ‘considerable’. Therefore, if you are interested in reducing your tax exposure, and in relatively higher confidentiality levels, it would make sense to examine the possibilities available to you offshore.
Sure it is always advisable to stick to the one you are used to but if changes will alleviate everything then why would you settle for less?

How long does it take to open an offshore/onshore account?

Most of the time it is easier to get an offshore accounts rather that an onshore account because there would be lots of requirements needed for processing on onshore banking. Signature Card With an onshore account you must provide notarized specimen signatures, notarized copy of passport or drivers, license, bank reference, utility bill/s showing residential address and many others. This is a very exhausting list isnt? But you need not to worry because many offshore institutions do not require all of the mentioned documents, or require them in different combinations, but this is normally well documented in their brochures.

How secure is my money? Isn’t it more risky to invest/bank offshore?

It is definitely not risky. It is always better to regard offers and institutions which seem too good to be true’ with suspicion, as they generally are! You should begin your research with well established institutions to give you a frame of reference regarding industry standards, and regard with skepticism interest rates or benefits which seem exceptional’. Also, check that the reputation of the bank that you are planning to deal with is good
Finally, bear in mind that even as taking advantage of existing legislation to legitimately minimize your tax burden with a reputable service provider presents very little risk, unreported offshore activity for the purposes of tax evasion is risky. Some offshore jurisdictions have deposit protection system.

With an offshore bank account, you can be rest assured that there is no information that will be provided for those who would like to investigate or learn your banking status. With an offshore account, it is clear that confidentialities are like norms that should be strictly followed.

Will I able to deposit and get access to my money fast?

Depending on your needs, there are many ways of obtaining access to your money. This can be done by post, courier, fax, telephone, over the internet or bank wire transfer. By having an offshore debit card you can then also easily access your bank account on all ATM machines.

How does an offshore debit card works?

Debit Card works in the same way as a Credit Card for purchase transactions at Merchant Outlets, with the only difference being that the cardholder will be able to spent only up to the balance available in the account thus making it batter than a credit card for it will not lead the owner onto serious debts. Because the owner of the card will just use his own money he will not be subjected for any high rates that a credit will give.

2GetCash offshore debit card is one of the most convenient and reliable offshore debit cards. Through this, you can easily have an access to your bank account at the same time calling your love ones abroad at very low rates.


Influential Tips to Push Your Video Marketing Campaign

by como ·

Video marketing is one of the hottest marketing methods online right now, because it’s known for helping you get targeted traffic. The following are some hints you can use to improve the quality of your marketing videos.

When you are creating your marketing video campaigns, remember why you are creating that video. The ultimate plan for your video is to get those viewers to your site. You only want to make videos as a way to advance your marketing goals. This is why adding a wonderful call to action in your videos is extremely vital. Don’t think that your viewers will catch your message on their own and then travel to your website. No they aren’t mind readers; you have to provide instructions in your call to action. For instance, if you really want your viewers to travel to your website and signup for your newsletter, then state this in your call to action. Put your call to action all throughout your video, but be sure to add it at the end of your video to stress its point. A good way to achieve this is to make the video a few seconds longer, so that the viewer gets the time to note down your site’s name and visit it. In addition, there are many different marketing tools that can be utilized for embedding links and subscription forms into your videos. Yes, by using these marketing tools, you could greatly increase the conversion rate of your videos. So, if you can afford this type of tool, you should use it and benefit from a wonderful investment. However, if you choose to do it the old way, then remember to add a call to action into your video. Don’t forget that you should test multiple call to action messages because you can’t really determine which ones will convert better than the others.

You need to ensure that you have your content planned out well in advance, before you begin shooting. You should have an outline that covers all the points you want to make in your video. Since these videos are quite short you won’t have a lot of time so make sure to stay focused on the subject. Your content should be relevant and to the point. All yourself to go with the flow and make certain you know what points you will be covering beforehand. Make a list of all the points you will be touching on in your video. You will find that you will get a better reaction from your audience if you are well prepared before you start shooting the video. Last but not the least, remember that you’re not trying to impress the viewer with your shooting skills but rather want them to understand your point of view, which is only possible when you are sure of your content.

When people are going through various videos online, what catches their attention apart from the title?

It’s the thumbnail! Yes, that is right; the thumbnail could determine if your video is a success or an failure. This is mainly because people are more than likely to click through to your video if they like the thumbnail picture. But this doesn’t mean that you should go ahead and mislead them by adding a thumbnail that passes on a different message. Your goal is to provide a thumbnail that matches your message and pique their curiosity.

In summary, video marketing is a simple yet effective way to get targeted visitors to your site, if you do it the right way.

Robert Riohe is a well-known blogger who writes informative articles on different topics such as marketing, online business, home business, network marketing etc. Checkout his article on MLM Lead System Pro tips and on My Video Talk tips


How To Get A Loan Modification In A Week Or Less

by como ·

If you want to get your loan modification approved in a week or less, good luck! It is almost impossible…or is it?

If you know anything about loan modifications, you know that it generally takes 2 to 3 months to get the modification approved. It is a stressful process if you are the homeowner desperately waiting for an answer. Some lucky people can get this done in about a month, but this is very rare. Getting it done in a week or less is almost unheard of!

The reason it takes so long to get a loan modified is because there are so many people in need of this service. Lenders have stacks and stacks of files on their desks and not enough employees. It takes a long time to sort through all those files and get the loan mod completed.

There are a few companies out there that have such close relationships with lenders that they will actually allow them to take some of the unbearable workload off their backs. There are only a few companies that do this because it is very hard to come up with the necessary ratios to get this accomplished.

What this means in lamens terms is this: A company that provides this service can call up your lender with your loan number. They speak to a case manager and review your file. They approve or deny the loan modification right away and tell them what your interest rate and payment will be. They can then tell you what the terms of your modification will be and you can decide to move forward or pursue another option.

If you do decide to move forward, they can generally complete the loan modification within 24 hours to 7 days. To further ease your financial burden, often times they can push back your next payment 30 days from the date the loan mod docs are signed.

The success of this depends on what lender you have and if you are even a candidate for a loan modification. The top lenders participating in this program are Countrywide, Bank of America and EMC. These are not the only lenders, just the main ones.

If you want to get your loan modification approved in less than a week, this might be your only option.


Real Estate Agent In Litchfield Park – Ensuring Safety In Deals To Buyers And Sellers

by como ·

Is safety your main concern while proceeding with a specific
home investment, foreclosed property or short sale deal in Litchfield
Park and Maricopa County? Won’t you like a real estate agent in Arizona
to assist you in making a perfect plan for financial investment and
bringing you as much of profit as possible? You can definitely use up
the free and fresh home listings on sale across Litchfield Park,
Arizona. Such Real Estate Listings have more become a part of service of
popular real estate portals including Property Hookup. Here, you will
be given with an access to the exclusive MLS listings of real estate
agent in Litchfield Park to get a clue about the active and best priced
deals in the Arizona property market. From using reliable contacts and
advanced property search tools to providing guidance through a local
real estate agent in Arizona, Property Hookup does it all to allow you a
perfect experience in home purchase and sale.

Again, you won’t have to question the value of its
Litchfield home listings as they are revised continuously and presented
in a ranked order to make the catchy deals appear first. In spite of all
these, you might want to rethink your decision. When you need extra
support to come out with a better decision, Property Hookup manages to
provide you the same through the proven service of a real estate agent
in Arizona. It features and promotes some of the best realtors and
brokers in Arizona including Cynthia Sheehan-Miranda to smoothen and
fasten your deal processing. So, consider to create a free log in and
make a directory search at Property Hookup to find a Litchfield Park
real estate agent of your choice and preference.

Finding a
qualified real estate agent in Arizona or its MLS listings won’t be a
problem at all as Property Hookup assures to display some of the
professional brokers and realtors having better reputation in both home
selling and buying. Whenever you want to target homes on sale in
Litchfield Park, Goodyear and Gle residential area the MLS listings of
Cynthia Sheehan-Miranda or any other listed real estate agent in
Litchfield Park will give you guarantee on the result. So, get ready for
a virtual tour in Litchfield, AZ real estate sector where Cynthia will
be there to help you choose from the exclusive offers on home sales and
bargain sensibly to close it fast.

a full time local real estate agent in Arizona, the activity of Cynthia
Sheehan Miranda is spread to Avondale, Phoenix, Buckeye, Tolleson,
Peoria and Litchfield Park areas that are situated on the western side
of the town. She is a graduate in finance and has been practicing in
Arizona and Litchfield property sector for the last 10 years. Though
recommended as the best banker in the Litchfield area, Cynthia is still
available on the local realtor’s directory to resolve your property
issues to the best standard. So, take time to confirm the dedication and
popularity of Cynthia Sheehan-Miranda from Home Smart Real Estate where
she is working as a local real estate agent Arizona to help materialize
every kind of transaction.

Let’s take a lead in every possible
kind of deal with the team spirit, integrity and commitment of Cynthia
Sheehan-Miranda right now!