#cheque book loans-

[newtonsheffield]

The last chapter of Confident is so good!!! Kate going home to Mary and Edwina felt so healing then the lobby scene with Anthony was so well done and vulnerable and also Newton!!

Question, when did Kate "ask if history was for sale" according to Edwina? that's SO funny! Icon behavior indeed.

Kate wandered into to the British Museum when she was 22, and rolled her eyes every time she saw the words Donated by, or on loan from. And Kate sighed, whipping out her cheque book and going over to the man doing a tour in the corner.

“Hi, Kate Sharma, lovely to meet you.”

The man blinked at her, shaking her hand, “Miss… Sharma… can I help you?”

“Yeah, I was just wondering… how much would a Benin bronze set me back?”

The man gaped at her as whispers started in the tour group behind him, “I’m sorry? The exhibits… aren’t for sale? And I’m not sure You could-”

Kate chuckled, “I have 6 billion pounds, is that enough?”

The man’s eyes darted around as he gaped at her, “I don’t… it’s not for sale?”

Kate sighed, tucking her cheque book back in her bag, ignoring Edwina’s guffaw behind her as she said, “Sorry, I thought I was in the British Museum. Isn’t history for sale here?”

And walked out, waving to the person filming her on their phone.

Unfortunately, Kate has to tell this story to Anthony when he’s talking about an exhibit he’d like to see, clearing her throat awkwardly.

“So here’s the thing: I’m banned from the British Museum for life.”

“O…Kay? How did you…?”

“I just sort of…” Kate waved her hand vaguely “implied they were thieves you know.”

Anthony burst out laughing, kissing her forehead, “I’m obsessed with you. Anywhere else you’re banned from?”

Kate winced, “The Tower of London? There was an incident with some Crown Jewels.”

“Fucking obsessed with you.”

“And one Asda in Watford.” Kate shrugged, “But that was… a misunderstanding.”

#confident au #kathony #anthony x kate #kate sharma #kate sheffield #molly’s asks and answers

[prophet-one]

SVB bank failure

I comprehend the reason why SVB failed: its a classic bank run where the bank does not have the liquid assets to fund withdrawals. This the “other shoe dropping” wrt the rapid increase in interest rates.

what stands out to me are two questions: why do companies have that much cash in the bank? How did the financial markets in general fail?

The SVB failed because the financial markets are NOT working. The markets are not providing suitable securities for companies to park their excess cash. SVB was probably seen as a “safe” place to store cash. That assumption is obviously false. 

Question: why did the corporate depositors have so much money in cash accounts versus other securities?

Two months ago I was discussing cash management with my financial advisor. The key point he made about Bonds and funds that invest in bonds, is to use rolling maturity. The bond values will lag the market (especially with rapid changes in interest rates), but you wont lose principle. (BTW the change in bond values has to do with the liquidity price not the book value... if you hold bonds to maturity, then you dont lose value). So, back to the question about the depositors... when you have a billion plus of cash to invest you should be able to do something better than stash it in a low interest chequeing account. Something doesnt seem right about that.

Question: why do corporate depositors have so much cash on hand in the first place?

The financial markets “should” provide companies with cash “when and as” they need it through equity and bonds and loans. When a company like Roku has over a billion dollars sitting around “just in case they need it”, this is a clear sign that the financial markets are not working. Different sectors have different requirements for liquidity; but having 2 to 5 years of excess cash on hand is well beyond any reasonable requirement.

I completely understand that companies like the security blanket of having 2 or 3 or 10 years of cash sitting around. However, that is a total waste of shareholder resources, given that shareholders can make better investments with that cash. There is supposed to be a tax on capital to disincentivize hoarding... I guess that tax is not high enough.

When the regulators have time to get around to sifting through remains; I would like them to investigate these two questions: why are corporations not investing their excess cash appropriates? why do corporations have so much excess cash, why cant corporations raise the cash they need in an efficient manner? 

#SVB #Bank Failure #Financial Market #bonds market

[saintmeghanmarkle]

"Honey I pimped the kids.". Jan Moir in the DM by u/Von_und_zu_

"Honey, I pimped the kids.". Jan Moir in the DM Pimping the kids is in reference to Tyler Perry.....Meghan is not the first ambitious mother who selected a wealthy and well-connected patron to become a godfather to her children — but the shock is how little it took. A few phone calls and the loan of a house? Honey, I pimped the kids.I found this to be a most delicious and amusing read, especially when accompanied by the Maureen Callaghan excellent read highlighted in another post.JAN MOIR: If Harry shovels steaming manure onto the family fruit patch, he should expect a rich crop of raspberries in returnhttps://archive.ph/89VKvhttps://https://ift.tt/JQr0Oto few home truths:American readers might be surprised to learn that, according to this highly partisan account, the death of Queen Elizabeth II was not about the passing of a much-loved monarch and a sombre moment for British people and our shared history — it was all about Prince Harry.***God knows what could have caused such family froideur! Anyone with any ideas should write them on a silenced- not-silent postcard and send it to: The Toxic Racist Windsor Rotters, c/o Broken Dog Bowl Alley, London.\***Of course, as a one-dimensional author of limited scope, Scobie must stoke the fires of grievance and discontent between the exiled Sussexes and the core royals, otherwise he doesn't have a book, a narrative, a purpose, or indeed a pay cheque. post link: https://ift.tt/cH6FxrI author: Von_und_zu_ submitted: November 17, 2023 at 04:27AM via SaintMeghanMarkle on Reddit

#SaintMeghanMarkle #harry and meghan #meghan markle #prince harry #voetsek meghan #sussexes #markled #archewell #megxit #duke and duchess of sussex #duchess of sussex #duchess meghan #duke of sussex #harry and meghan smollett #walmart wallis #harkles #megain #spare by prince harry #fucking grifters #meghan and harry #Heart Of Invictus #Invictus Games #finding freedom #doria ragland #WAAAGH #Von_und_zu_

[meldgaardstender72]

Guangzhou Travel Guide - Live And Travel In Guangzhou

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View More: tophaugiangaz.com - Top Hau Giang AZ Reviewed by Team Leader in Top Hau Giang AZ: Ngô Thu Hà - Ngo Thu Ha Here is often a guide for looking for kung fu schools in China. Its a general check connected with what to look for in a great kung fu martial arts school. First explore what part of China unwanted weight to travel, live and train appearing in. Determine what style you want to practice plus the do they train. Then what could be the overall atmosphere of the martial arts academy wish. Stop Read This: I'm going to narrow this article down even further, folks with friends/family you'd in order to visit, stop reading, you don't this guide. Those of you re-visiting an old favorite spot, stop reading, you are afraid this. And finally, those who have booked your flight, hotel, and feel un-stoppably positive about your opportunity to Hau Giang Province survive anywhere, go ahead, stop . Nightlife at the city centre offers you restaurants, bars, clubs, pubs, taverns and etc .. During the summer nightlife always be centered with a main beach, 7 kilometer long "Playa de San Juan". River Godaveri is simply how much attraction on this site. Over the river the three bridges, always be most attractive and lengthy bridges within Andhra Pradesh. On the river bank there several parks and Ghats. People come to here from different places to buy clothes; in fact it could be the 2nd biggest cloth market in Japan. There are range of of temples and over the bank with the Godavari Kotilingala temple just one of the of essentially the most important wats or temples. One for the most interesting aspects of visiting a national park in Chiang Mai is going to be that thinking be placement to see one of the most beloved almost all animals inside of the country - the Thai elephant. Many national parks are the place to find these wonderful creatures. Santa the presence of these national parks, these creatures have gotten to avoid extinction. Top Hau Giang AZ The elephant seriously a a majestic animal and in addition to be location to see it in its natural habitat can sway be an amazingly memorable past experiences. Outside of a national park hybrid cars never receive the opportunity to determine these amazing animals. The promenade Explanada de Espana yet another wonderful sight to see in Alicante. In fact, it is named the best promenade just about every of France. As this promenade stretches, it is lined completely by palm trees. It is made up of 6.5 million marble gallstones. You will notice that the promenade fills with locals at night as essential popular meeting place. In addition there are a regarding concerts that take place out your promenade. When walk the promenade, you will discover a monument that is of the artist Mark Hersch. Supposedly, he still lives in Alicante presently. There are quite a few national parks Chiang Mai venues a person can make a trip to. All of them their very own own unique value. So, which specific park a person visit? Top Hau Giang AZ 247 Could here is based on where in Chiang Mai you can be staying. The province covers quite to some extent of territory and in all likelihood will want to check with local tour guide services regarding is actually the closet and most preferred of the nation's parks within your vicinity. You might end up being amazed at how expansive and impressive the nearest park risk turning out become. This doesn't have to be an arduous task each. Tin tong hop Top Hau Giang AZ Bring your loved ones in using a project along with you. They'll love to have facts for whenever do make our minds up.

So numerous things to see in associated with little moment! Many travelers to Thailand are often perplexed re where to partake in. Travel agents show clients thick photo albums, long lists of Hotels and a longer list of Resorts, Spas and Beach streets. It seems as 1 can spend a year in Thailand and avoid seeing it all (which is possibly not significantly from the truth)! So concept was to hook a plane from Beijing to Kuming, stay instantly in Kunming, enjoy one day in Kunming then catch an overnight train and arrive in Lijiang the subsequent morning. Try a day in Lijinag then take a couple hour bus to the beginning of the Tiger Leaping Gorge the following morning. As most travel junkies know Batanes is the northernmost Hau Giang Province of the Philippines and it's smallest island both in terms of land area and population. Among its ten petite islands only three are inhabited - Batan, Itbayat and Sabtang. Sandwiched by Babuyan Island and Taiwan, the province is closer to Taipei than Manila. Actually an urban legend states that on the clear day one can see Taiwan and listen to Chinese roosters crow. On an average, need to spend roughly 1100 Philippine currency or pesos or $26 each and every day on island-hopping or more, and must cover transportation, food, and miscellaneous. Generally they cultivate two types, sticky rice and ordinary brown rice. The first is used to treat special events and ceremonies such as Tet ( lunar New Year) and weddings. Having a debate about wet-rice-cultivation, Mr. Hien recites a Vietnamese proverb:'Nhat nuoc, nhi phan, tam can, tu giong'. This means 'First you have water,then manure,then diligence, and actually high quality seed'. 'In the north we have two rice crops as well as subsidiary one, according on the weather', he stated. The winter -spring crop begins in the 12th lunar month and finishes inside fourth. Summer season -autumn one lasts of your sixth towards the 10th lunar month. After these crops there 's time for should also to heal and we plant maize,taro, potato and sweet potato'. The park is separated by a tremendous mountain into two areas, The Summit (Headland) as well as the Waterfront (Lowland) respectively. Other parts can be reached by cable car with spectacular views of your nearby islands and the sea. The great aquarium was good, the dolphin/sea-lion show was great too and we only tried most of the rides, because the queues within seamed plenty of. Seasons play an important role if you are in China and plan to go to Mount Tai. Sunrise and sunset times, density of clouds and glow belonging to the place all depend upon the season you are here. Even the route choice differs upon the connected with season. Greatest seasons surely are summer and spring seasons involving sun, flora and beautiful lush green areas. Further West is the province of British Columbia and the city of Vancouver which is cosmopolitan and experiences a milder climate in a bitterly cold winter months. Bc is where you can find the Rocky Mountains and National Parks for people that love the great outdoors. It is a significant centre for both summer and winter outdoor sports. MNP differs from the geographic North pole (GNP). The GNP is the fixed, true north on the Earth's axis. Top Hau Giang AZ News It recently been stable since history (writing) began about six thousand years from the. However, the MNP has been to be able to move. Within the scientific measurements, the it's got moved 1102 kilometres (685 miles) from 1831 to 2005. That's approximately around 6 kilometres per twelvemonth. However, scientists in 2005 said it was moving about 17 kilometres per years. As of 2007, scientists announced it was moving around 60 kilometres per holiday season. As of 2011, it was moving at 80 kilometres per year. Clearly the speed at who's is moving is raising.

View More: tophaugiangaz.com - Top Hau Giang AZ Reviewed by Team Leader in Top Hau Giang AZ: Ngô Thu Hà - Ngo Thu Ha Written By Author in tophaugiangaz.com: Huỳnh Hữu Huy - Huynh Huu Huy Written By Author in tophaugiangaz.com: Nguyễn Trần Ngọc Thảo - Nguyen Tran Ngoc Thao

#Top Hậu Giang AZ #Hậu Giang #Hau Giang Province

[mullenbredahl24]

Pingyao Travel & Pingyao Tours - China Tour Information

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Reviewed by Team Leader in Top Hau Giang AZ: Ngô Thu Hà - Ngo Thu Ha Written By Author in tophaugiangaz.com: Huỳnh Hữu Huy - Huynh Huu Huy Written By Author in tophaugiangaz.com: Nguyễn Trần Ngọc Thảo - Nguyen Tran Ngoc Thao

#Top Hậu Giang AZ #Hậu Giang #Hau Giang Province

[spprkle]

Unveiling the Importance and Functions of CIF Number in SBI

Introduction:

In the realm of banking, customer convenience and security are of utmost importance. The State Bank of India (SBI), being one of the largest and oldest banks in the country, ensures a seamless and secure banking experience for its customers. One crucial aspect of SBI's customer management is the CIF (Customer Information File) number. In this article, we'll delve into the significance and functions of the CIF number in SBI.

Understanding CIF Number:

The CIF number is a unique identification number assigned to each account holder by the bank. It serves as a comprehensive record that encapsulates all pertinent details of a customer's banking relationship with SBI. This alphanumeric code is crucial for streamlining operations, ensuring data accuracy, and enhancing security.

Significance of CIF Number:

Account Management: The CIF number is the backbone of account management in SBI. It allows the bank to maintain a centralized database containing all essential customer information. This includes personal details, account transactions, loan details, and other relevant information.

Easy Retrieval of Information: CIF numbers make it convenient for both customers and the bank to retrieve and access specific account details. Whether it's for checking account balances, transaction history, or availing various banking services, the CIF number acts as a quick reference point.

Security Measures: In an era where digital transactions are prevalent, ensuring the security of customer information is paramount. The CIF number plays a crucial role in this regard by providing a unique identifier for each customer, reducing the risk of unauthorized access and fraud.

Loan Application and Processing: When applying for loans or credit facilities, the CIF number streamlines the process. It enables the bank to assess the customer's creditworthiness based on their historical financial data, making loan approval and processing more efficient.

Unified Banking Experience: For customers with multiple accounts or availing various banking services, the CIF number offers a unified experience. It links all associated accounts and services under one unique identifier, simplifying the management of diverse financial activities.

How to Locate CIF Number:

Passbook: The CIF number is often printed on the first page of the bank passbook. Customers can easily find it by checking the details on this page.

Cheque Book: The CIF number is also present on the front page of the SBI cheque book. It is usually printed near the account number.

Online Banking: Customers can log in to their SBI online banking portal to find their CIF number. The information is typically available in the account details section.

Conclusion:

The CIF number in SBI is more than just a combination of letters and numbers; it is a key to a customer's banking journey. Understanding its significance and keeping track of this unique identifier is essential for a smooth and secure banking experience with the State Bank of India.

#CIF number #CIF number in SBI #guestpost #blog

[saheniindexia]

Loan

Introduction to Loans

A loan is a financial arrangement where a lender provides funds to a borrower, who agrees to repay the amount along with interest over a specified period. Loan are available for a wide range of purposes and are tailored to meet diverse financial needs.

Understanding Different Types of Loans

In the financial market, different types of loans cater to specific requirements:

Personal Loans

Personal loans are unsecured loans that individuals can utilize for various personal expenses, such as debt consolidation, home renovations, or medical bills.

Home Loans

Home loans, also known as mortgages, enable individuals to purchase or refinance residential properties. These loans typically have longer tenures and lower interest rates compared to other types of loans.

Business Loans

Business loans provide financing to entrepreneurs and businesses for purposes like expansion, working capital, or purchasing equipment. These loans are crucial for fueling business growth and innovation.

Student Loans

Student loans help individuals finance their higher education expenses, including tuition fees, books, and living expenses. These loans often come with flexible repayment options to ease the financial burden on students.

Importance of Loans

Loans play a crucial role in empowering individuals to achieve their goals and aspirations. From homeownership to pursuing education or starting a business, loans provide the necessary financial support to turn dreams into reality.

Eligibility Criteria for Loans

Before applying for a loan, individuals need to meet certain eligibility criteria set by lenders:

Income

Lenders assess the borrower's income to determine their repayment capacity. A steady source of income is essential for loan approval.

Credit Score

A good credit score indicates the borrower's creditworthiness and increases the chances of loan approval at favorable terms. Lenders use credit scores to evaluate the risk of default.

Employment Status

Lenders prefer borrowers who have a stable employment history or a reliable source of income. Employment status is a crucial factor in determining loan eligibility.

Steps to Apply for a Loan

Applying for a loan involves several steps:

Researching Lenders

Research and compare loan offers from different lenders to find the most suitable terms and interest rates.

Gathering Necessary Documents

Collect essential documents such as identification proof, address proof, income statements, and bank statements required for the loan application.

Completing the Application

Fill out the loan application form accurately, providing all necessary information and documentation as per the lender's requirements.

Loan Approval Process

Once the loan application is submitted, the lender initiates the approval process:

Credit Check

The lender conducts a credit check to assess the borrower's creditworthiness and repayment capacity.

Verification of Documents

The lender verifies the authenticity of the submitted documents to ensure compliance with the loan requirements.

Disbursement of Funds

Upon successful verification, the lender disburses the loan amount to the borrower, typically through electronic transfer or cheque.

Tips for Effective Loan Management

Managing loans effectively is essential to avoid financial strain and maintain a healthy credit profile:

Budgeting

Create a budget to allocate funds towards loan repayments while meeting other financial obligations.

Timely Repayments

Make timely repayments to avoid late fees and penalties, which can adversely affect your credit score.

Avoiding Overborrowing

Borrow only what you need and can afford to repay to prevent overburdening yourself with debt.

Conclusion

In conclusion, loans serve as a vital financial tool in achieving various goals and aspirations. By understanding the different types of loans available, meeting eligibility criteria, and managing loans responsibly, individuals can leverage financial assistance to fulfill their dreams.

#Loan

[77889912345]

several benefits of having a savings account:

Venkatesh Multistate offers you a saving account that suits your personal needs for banking. We know the importance of your savings. The harder you save and give it to us with trust, the more responsibly we handle it and give you the maximum return on it. With the Saving Account we provide the facilities like Cheque Book, NEFT / RTGS, Mobile Banking, Internet Banking, SMS Banking etc.

Interest Earnings: Savings accounts typically earn interest on the deposited funds. While the interest rates may be relatively low compared to other investments, it provides a safe and secure way to grow your money over time.

Security: Savings accounts are usually insured by government agencies, providing a level of security for your funds. In the United States, for example, the Federal Deposit Insurance Corporation (FDIC) insures deposits up to a certain limit, protecting the account holder against the loss of funds in case the bank fails.

Liquidity: Savings accounts offer high liquidity, meaning you can easily access your money when needed. Unlike some other investments that may have restrictions or penalties for early withdrawal, savings accounts allow you to withdraw funds without significant consequences.

Emergency Fund: A savings account is an excellent place to build an emergency fund. Having an emergency fund can provide financial security and peace of mind, helping you cover unexpected expenses without having to rely on credit cards or loans.

Financial Goals: Whether you're saving for a vacation, a down payment on a house, or any other financial goal, a savings account allows you to set aside money systematically and track your progress toward achieving those goals.

#savingaccount #current account #savings #useful

[twentyjune4]

Searching for a used Harley Davidson bike that suits you

After deciding on the Harley model you want to own, now is the time for shopping and purchasing. The options for a new Harley are straightforward. Your local de aler will have all the information you require. Which options do you have for a Harley Davidson? Know the value in blue book when buying used. See hdfs login to get more info.

Harley Davidson Dealership

A Harley that you purchase or exchange from a local Harley dealer will likely have been reconditioned by their service team. Dealerships don't want customers dissatisfied with poor-quality products, so they do their best when delivering a quality motorcycle that meets their standard. Unfortunately, the price is a downside. As a major dealership, they have to include overheads and trade in costs into their sale price.

Not all dealers are the same. Most dealers, and the banks that they work with, will only offer financing for a brand new motorcycle. Another option is to bring a bank- or finance-approved pre-approved cheque into the dealership.

There are a number of finance companies which are biker-friendly and provide loans both for used and brand new motorcycles. It is best to avoid purchasing motorcycles through auto liquidators, or from used car dealerships, unless the buyer has a solid mechanical background and can properly examine it for issues. Motorbikes are not their specialty, yet auto dealers will try to tell you whatever they can in an effort to make a sale.

Private seller:

If any Harley Davidsons are available in the local paper, it is not usually a good selection. There may be classifieds for motorcycles, or even trader publications in certain regions. You should check out these motorcycles thoroughly, just as you did earlier. You should be wary of Harley for Sale - Cheap ads, as they usually have a very good reason to sell them so cheaply. Beware of claims such as "because the Harley is valuable, it's worth more", or "this Harley Limited Edition is very rare." You can get good deals if you are patient.

Online Auctions

Purchasing a Harley Davidson online can be a very secure transaction, backed by a escrow which ensures that both parties are satisfied with the purchase. One drawback to buying Harley Davidson motorcycles online is that they are located in another country. You may have to drive half a continent to get to the Harley. So, unless shipping is included or you're willing to spend money on it, do your business locally. Online auctions are a great way to get the best deal. This method of purchasing a Harley Davidson motorcycle used has become very popular, allowing both sellers and purchasers to have a much more flexible option. Be sure to insure the ride. Check that both your seller and auction provider are legitimate. Never forget to protect your Harley Davidson, new or used.

[harbourfronttechnologies]

Cash Receipts Journal: What It Is, Examples, Definition, Template, Sample, Format

A cash journal is a record that tracks the cash transactions of a business over a specific period. It is a crucial accounting document that records all incoming and outgoing cash transactions, including those made through bank transfers, checks, and cash payments. The purpose of the cash journal is to provide a detailed record of all cash transactions.

Usually, the left side of a cash journal represents payments, while the right side includes receipts. Companies may also divide these into separate records on their own. All cash inflows then get recorded in the cash receipts journal.

What is a Cash Receipts Journal?

A cash receipts journal is a book used to record all cash received by a company during a particular period. It is a subsidiary ledger of the general ledger that provides a detailed account of all incoming cash transactions. Each entry in the cash receipts journal includes information such as the transaction date, the name of the payer, the amount received, and the purpose of the transaction.

Companies use the cash receipts journal to track cash inflows, which can include sales revenues, loan payments, or other sources of income. By recording these transactions in the cash receipts journal, companies can ensure that their financial records are accurate and up-to-date. Usually, companies record bank accounts and large cash receipts in this journal.

How does the Cash Receipt Journal work?

When a company receives cash from a customer or any other source, the transaction gets recorded in the cash receipts journal. For example, if a customer pays cash for a product or service, the company records the date of the sale, the customer's name, the purpose of the transaction, and the amount of cash received in the cash receipts journal.

The cash receipts journal is a critical tool for companies as it provides a comprehensive record of all incoming cash transactions. It ensures that all cash received gets accounted for and helps to maintain accurate financial records. The information in the cash receipts journal then helps update the general ledger and prepare financial statements.

What is the format for the Cash Receipts Journal?

The format of the cash receipts journal may vary depending on the accounting system used by the company, but it typically includes the following columns:

Date: The date on which the cash receipt occurred.

Account Credited: The account to which the cash receipt gets credited in the general ledger.

Check Number: The number of the check received (if applicable).

Customer Name: The name of the customer who made the payment. Invoice Number: The invoice number for which the payment was made (if applicable).

Other Reference: Any other relevant reference related to the transaction.

Cash: The amount of cash received.

Cheques: The total amount of cheques received.

Total: The total amount of cash and checks received.

The cash receipts journal may also include a space for a brief description of the transaction or any other relevant data. The information in the cash receipts journal goes to the general ledger and the accounts receivable subsidiary ledger.

Conclusion

A cash journal records cash payments and receipts. In accounting, it usually includes bank and large transactions. Other cash transactions may go into the petty cash journal. Companies may also maintain a separate journal for cash inflows known as the cash receipts journal. Its format is similar to the cash payments journal. However, it only accounts for cash inflows.

Post Source Here: Cash Receipts Journal: What It Is, Examples, Definition, Template, Sample, Format

from Harbourfront Technologies - Feed https://harbourfronts.com/cash-receipts-journal/

[danvastcareers]

CUSTOMER EXPERIENCE EXECUTIVE - Iringa, Tanzania

To drive and deliver exceptional operations business performance, through the provision of efficient business management, powerful leadership, team development and achievement of operational rigour excellence in branches with up to 25 staff members or branches with single customer categories.

Job Description

To drive and deliver exceptional operations business performance, through the provision of efficient business management, powerful leadership, team development and achievement of operational rigour excellence in branches with up to 25 staff members or branches with single customer categories.

To ensure robustness of controls in branches by performing controls activities as required

To provide branch Customer Service and resolve customer complaints

Actively be part of and play a part in the TRANSFORM programme.

Main accountabilities

Sales:

20%

Building relationships with existing customers in order to pro-actively anticipate and address future customer needs and identify sales opportunities.

Cross-sell appropriate customer needs related products face to face

Undertake customer servicing initiatives/requirements for face-to-face customers to pre-determined service standards

Complete follow-up paperwork and undertake administration activities to ensure effective, efficient, and compliant operation of the branch.

Assist customers in completion of Bank stationary, forms etc.

Introduce customers to appropriate product/segment specialists

Undertake in-branch marketing, special campaigns, promotions etc

Deal with handling complaints in the Banking Hall

Support the Branch Manager in undertaking community engagement activities to build Absa business profile in the local market.

Review merchandising general Banking Hall appearance, displays, cleanliness, tidiness etc.

Works to achieve sales and service targets

Maintain statistics and monitor progress of target reporting

Ensure customer on boarding process is adhered to as per the procedure.

Delivering an individual assigned financial target on local business

Account Opening, Account Maintenance, Loan Processing, Cheque book ordering, customer complaints Branch Maker (Sybrin)

Issuing of ATM Card Pins or cards as advised by the Branch Manager

Business Management 5%

Maintain statistics and monitor progress of target reporting.

Customer service:

60%

Where customers request to deal directly with the branch manager, the branch manager takes ownership of the query/complaint resolution process.

Conduct monthly query and complaint trend analysis and create action plans to prevent recurring issues.

Ensure all customer contact points in the branch, including equipment (PCs, printers, notes counters, etc.) are of the highest service standard.

Through effective banking hall management ensure that customers are directed to the most appropriate service delivery channel to meet their need e.g. cashiers, drop boxes etc.

Manage remote and manual authorisations, by assigning responsibility for authorisers, and personally authorising such transactions, to ensure efficient counter service.

Interact regularly with internal service providers (e.g. Operations, KYC Helpdesk) to ensure fast and efficient service to customers.

Monitor customer service through Q- matic ensuring that cashiers, personal bankers and enquiries service points are manned at all times.

Administration: 5%

Systems administration (user maintenance)

Provide feedback on the performance or service delivery of external service providers (such as courier service, cleaning service etc) to the area manager and head office sourcing, to assist them with future contracts.

Contribution to the team 10%

Provide cover for Branch Operations Manager/ Branch Operations Team Leader.

Provide honest, direct, and constructive feedback to others.

Deputize for Branch Ops manager/Team leader if required.

Share knowledge experience and best practice with team members and other branch managers.

Risk and Control Objective

In the event of major issues in the business unit, act as crisis coordinator and allocate tasks to the crisis teams.

Review the risk and compliance profiles of the business unit on a regular basis and provide consultative support to the Managing Director on changes that are required to rebalance risk and reward where required.

Understanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls.

Adhere to Absas policies and procedures applicable to own role, demonstrating sound judgment and responsible risk management.

Keep up to date on all regulatory changes and have the ability to articulate the impact to the Business, be well informed on the industry thinking.

All mandatory training completed to deadline.

Technical skills/competencies

People Management

Communication and Presentation

Business Management

Performance Management

Resource Management

Cultural and Change Management

Planning

PC Skills

Knowledge, Expertise, and experiences

Essential

In-depth understanding of technical support systems e.g. Brains, Winfos

Understanding of Absa Tanzania retail strategy, COO strategy, operating structure and interface with other functions

Good understanding of Risk policies and procedures

Good understanding of group structure and interfaces with other functions

Detailed understanding of people policies and procedures

Formal training required for branch managers:

Resource management

Brand and Leadership Development

Performance Management

Team building

DC&G

Recruitment Skills

PD Team Leader

Sales management

Time Management

Graduate or relevant experience to compensate

Excellent experience in operations

People Management

Detailed knowledge of banks policies and procedures

Cash Management

Key issues over the next 12 24 months

Champion branch Customer Service

Provide cover to the Branch Operations Team Leader when required

Additional criteria qualities

Passion for the branch performance

Honesty and integrity

Decisiveness

Take responsibility for personal development

Education

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

from Jobs in -Danvast Career Search https://ift.tt/okKcECr

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[atulgoelblog]

Two booked in Gurgaon for trying to lease out Huda site illegally

The Gurgaon police booked two persons for duping a man by offering on lease a school site in Sector 56 that belonged to Huda

The Gurgaon police booked two persons on Tuesday for allegedly duping a man of a large sum of money by offering on lease a school site in Sector 56 that belonged to the Haryana urban development authority (Huda) and had already been leased by them. The two allegedly settled the deal for Rs12 crore and managed to get an initial payment of Rs75 lakh through cheques, but were cornered when they failed to give possession of the proposed site.

Police said a case has been registered at Civil Lines police station against Rajiv Khanna, chairperson of Jukaso Education Society, and his son Yajush Khanna, under sections 420, 467, 468, and 471 of the IPC.

The complainant, DK Sharma, director, Alpine Progressive Educational Society, alleged that the two had approached him claiming to represent the Jukaso Educational society that ran Golden Height School at the proposed site number 4 in Sector 56. They offered to give the school and the site on lease for 75 years.

According to the complaint, the two parties finally arrived at the deal for Rs12 crore and an additional amount of Rs1 crore that was paid to the two as interest-free refundable security on October 10, 2016.

In lieu of the payment, Rajiv Khanna was to provide documents that include the completion certificate of the building from the competent authority (Huda), certificate of affiliation of Class 12 from the Council for the Indian School Certificate Examinations (CISCE), clearance certificate of all the loan/bank liability/property tax dues or any other encumbrances, original allotment letter, possession letter and lease deed of Jukaso Education Society, Sector 56.

The two, however, refused to provide the documents and the complainant alleged that they also started dillydallying in closing the deal.

As per the police complaint, as the date of final payment to close the deal was approaching, Sharma informed the two of his readiness with the remaining amount of Rs11 crore and Rs25 lakh as agreed and asked them to inform him of the date, time and venue of the payment.

However, as the Khannas had no authority to lease the school site, they alleged a breach on Sharma’s part on account of alleged stoppage of payment of Rs25 lakh and claimed that he had forfeited the remaining amount of Rs75 lakh paid through two demand drafts, he has said in his complaint.

Assistant sub-inspector (ASI) Madan Kumar, said they are investigating the matter and a case of cheating has been registered against the Khannas. “Initial probe has revealed that there was attempt to cheat and defraud the victim. The duo will soon be questioned and asked to join the probe in this regard,” said Kumar.

[careeralley]

Rebound from Job Loss: Your Step-by-Step Guide

In today's job market, it's important to be prepared for unexpected changes. To prepare for job loss, build a strong professional network, improve marketable skills, and create an emergency fund. For finding a new job, leverage online resources and networking events. To recover from unemployment, manage finances, stay motivated and focused on goals, and make the most of newfound free time. Whether experiencing job loss or wanting to be prepared, our guide has everything needed to bounce back stronger and achieve professional success. What You Need to Consider - Apply for employment insurance benefits as soon as possible. - Review your severance package and negotiate if necessary. - Assess your financial situation and create a budget to manage expenses. - Take advantage of any outplacement services offered by your previous employer. - Start looking for new job opportunities and update your resume and cover letter. - Consider additional education or training to improve your skills and marketability. - Seek emotional support from friends, family, or a therapist to manage stress. - Explore alternative income sources, such as freelancing or starting a side hustle. - Network with former colleagues, industry contacts, and professional associations. - Stay positive, motivated, and persistent in your job search efforts. Apply for unemployment insurance It's important to remember that unemployment insurance (EI) will usually only cover a percentage of your income for a limited amount of time. However, filing for benefits is free and, if approved, you'll continue to receive EI payments until they expire. To begin the process, the first thing you should do if you've lost your job is to apply for employment insurance benefits. This typically takes no more than 15 minutes and is completely free. By taking this step, you can access the financial support you need while you look for new job opportunities. You may have heard that it is better to be safe than sorry when it comes to your job. But what does that mean? It means preparing for the worst-case scenario and knowing how you will respond in a crisis.Click To Tweet If you want your EI benefits to start immediately, then go and visit your local Employment Insurance office for priority service. It is important to note that some people often wait 2 weeks or more before getting their first cheque which can prove devastating in the interim.  It is important to file as early as possible after losing your job. Usually, the first thing you will need to do is make a claim for benefits. This can be frustrating because there are a lot of people applying for employment insurance at any given time. For this reason, it is best to apply as soon as humanly possible. Moving On: New Life After Job Loss $10.95 This book is about getting one's life in order and moving on after career setbacks. The book shares a number of anecdotes from personal experiences, intending that the book be both instructional and motivational in its tone. Buy on Amazon We earn a commission if you click this link and make a purchase at no additional cost to you. 12/03/2022 12:32 am GMT When unemployment benefits fall short of covering bills and groceries, seeking a loan from a bank may seem like a viable option. However, banks generally require a perfect credit score to approve loans. If you're unemployed and need to borrow money, consider online private lenders who offer e-transfer payday loans without requiring collateral. This alternative to traditional lenders is fast and easy, taking less time to get approved. With many lenders offering this option, you can get funded within an hour in most cases, and 24/7 if everything goes smoothly. It's a great solution if you need cash quickly, making the borrowing process as easy as 1-2-3. Create an account on the job search site Indeed To start your job search, create an account on Indeed, where you can upload your resume for potential employers to find. Additionally, the site offers a helpful section that provides guidance on the steps to take after losing your job, including job search strategies, relocation advice, and tips for navigating unemployment benefits and medical coverage. Once you've set up your Indeed account, take the time to update your resume and cover letter with relevant information for your job search. This will help to showcase your skills and experience to potential employers and increase your chances of landing a new job. Art of the Job Search: A Step-By-Step Guide to Finding a Job You Love $11.99 DO YOU WANT TO FIND A JOB YOU LOVE? A role that you’re excited about? A place where you like the culture and the people? A position where you are doing what you love—and making an impact? Learn More We earn a commission if you click this link and make a purchase at no additional cost to you. 12/04/2022 12:19 am GMT Make sure they are tailored specifically to each position that interests you. You can take this further by including more specific details like salary requirements or even what equipment you own for certain jobs. Listing these things could make you a better candidate for the position in question. Research the companies you are interested in to make sure that you will be happy with the company once you get your new job. It is important to research any prospective employers thoroughly.  Check out their website to find out how big their staffs are, and what type of culture they have. Putting together your resume, cover letter, and researching prospective employers will help you find a new job faster because you are more likely to be matched to positions that you are more qualified for. Research different industries that you are interested in working in To kickstart your job search, begin by identifying the types of jobs that interest you. You can explore different occupations and industries that align with your passions and skills. Start by making a list of activities you enjoy, your strengths, and where you'd like to work or live. Private Notes of a Headhunter: Proven Job Search and Interviewing Techniques for College Students and Recent Grads $2.99 Learn More We earn a commission if you click this link and make a purchase at no additional cost to you. 12/03/2022 12:30 am GMT Next, identify industries and jobs that might meet these requirements. You can search for companies on online job portals. Following up after submitting a job application is crucial. You can call or email the employer to confirm receipt or provide additional information. While waiting for a response, maintain your confidence and prioritize self-care by eating well and getting enough sleep. Use LinkedIn to find connections at these companies who can refer you as a candidate for their open position LinkedIn is a helpful tool to use for finding connections within the company that can give you an opportunity. For example, if you have a connection with someone who works at Google, then this person might be able to refer you when they see that you're looking for work. Make sure that you keep your LinkedIn profile updated with current information so that it's easy for people to find your profile and contact you about potential positions. If you already have connections within a certain company, then you know that they will be able to see that you're looking for work and can possibly provide some help. Make sure to explore all the opportunities available through LinkedIn, as well as other networks. These are great tools that you should use to your advantage when searching for a new job, and they can be used in combination with the tips above to make finding work easier. LinkedIn In 30 Minutes (2nd Edition): How to create a rock-solid LinkedIn profile If you're serious about taking your career to the next level, you need to be on LinkedIn. Author Angela Rose will show you how to make a rock-solid LinkedIn profile and expand your network. Whether you want to find a new job on LinkedIn or advance your career, this guide can be the blueprint for a supercharged LinkedIn strategy. Buy on Walmart Buy on Amazon We earn a commission if you click this link and make a purchase at no additional cost to you. In our in-depth article, we have given you a few helpful tips on what to do if you find yourself without a job. From updating your resume and cover letter to staying healthy during the process, these are some of the ways that will help you get back up on your feet after losing your current position. Begin your job search by exploring industries and occupations that align with your interests, which can help you connect with people who may refer you for open positions. It's important to prioritize self-care by maintaining a healthy lifestyle to prepare for your next role. By following these tips, you can increase your chances of finding a new job successfully and without any setbacks. The New Job Search: Break All The Rules. Get Connected. And Get Hired Faster For The Money You're Worth. Don't waste days, weeks and months following the job search "rules." Learn how to take charge and get offers for the work you love at the price you're worth. Buy from Walmart We earn a commission if you click this link and make a purchase at no additional cost to you. Read the full article

[zebu-helan]

Upcoming IPOs This Week

Elin Electronics Ltd.

Elin Electronics Limited is a well-known manufacturer of electronic components. (EMS). Since its inception in 1969, the company has established itself as a leading manufacturer of lighting, fans, and small/kitchen appliances for some of India's most well-known brands. Elin Electronics is also one of the country's largest fractional horsepower motor manufacturers.

Elin Electronics offers a diverse range of products and complete solutions for them through the use of both the "original equipment manufacturer" (OEM) and the "original design manufacturer" (ODM) business models. The diverse EMS product line of the company includes: (i) lighting products, ceiling, fresh air, and TPW fans, as well as modular switches and sockets; (ii) small appliances such as dry and steam irons, toasters, hand blenders, mixer grinders, hair dryers, and hair straighteners; and (iii) fractional horsepower motors used in mixer grinders, hand blenders, wet grinders, chimneys, and air conditioning systems.

The company has factories in Ghaziabad (Uttar Pradesh), Baddi (Himachal Pradesh), and Verna (Himachal Pradesh). (Madhya Pradesh). It also has a central R&D centre in Ghaziabad, Uttar Pradesh, where all OEM and ODM models are researched and developed, including sketching ideas, refining designs, developing optional features, and testing.

Elin Electronics has served a large number of customers in recent years, including 327 in Fiscal 2020, 387 in Fiscal 2021, 342 in Fiscal 2022, and 297 in the seven months ending October 31, 2022. In addition, the company's operations generated significant revenue, including Rs 7,855.84 million in Fiscal 2020, Rs 8,623.78 million in Fiscal 2021, Rs 10,937.54 million in Fiscal 2022, and Rs 6,044.57 million in the six months ending September 30, 2022.

The primary goal of the Elin Electronics IPO is to raise funds to repay or make early payments on some of the company's loans, fund capital expenses to improve and expand the company's facilities in Ghaziabad and Verna, and for general corporate purposes.

Elin Electronics' initial public offering is tentatively scheduled for December 20-22, 2022. The bid period will run from December 20 at 10 a.m. to December 22 at 5 p.m., with the last opportunity to confirm a UPI Mandate on the final day of the issue at 5 p.m.

Radiant Cast Management Services

Radiant Cash Management Services Limited is a leading retail cash management service provider in India, serving banks, financial institutions, organised retail, and e-commerce businesses. The company, which was founded in 2005, has a team of qualified and motivated employees as well as a strong network of locations and touchpoints that serve more than 13,044 pin codes across India.

Radiant Cash Management Services provides a variety of services such as cash collection and delivery, cash processing, overnight vaulting for bulk cash and ATM cards, ATM services, and handling of PIN mailers, drafts, and cheque books. The company is also involved in the management of electronic online and mobile financial and cash transactions, as well as the development of cash management intellectual property.

Axis Bank, Citibank, Deutsche Bank, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Standard Chartered Bank, State Bank of India, The Hongkong and Shanghai Banking Corporation, and Yes Bank are among Radiant Cash Management Services' key clients.

The company intends to go public through an initial public offering (IPO) in order to raise funds for working capital, capital expenditure for the purchase of specially fabricated armoured vans, and general corporate purposes. The initial public offering (IPO) is tentatively scheduled for December 23-27, 2022, with the bid date running from December 23 at 10 a.m. to December 27 at 5 p.m. The IPO lot size is 150 shares, and retail individual investors can apply for up to 13 lots, totaling 1950 shares.

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