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Highly Paid Career Opportunities for Finance Graduates

It is not a hidden secret anymore that a master’s degree is one significant investment, and students pay their hard-earned money to establish a better lifestyle. You will agree to the point that every investment made with ideology will be fruitful financially in the longer run. A conventional master’s degree takes approximately a year or two for completion. Working days and nights to support your education is rewarding in the form of an excellent salary package. There are multiple options where fresh graduates can use their skills and academic knowledge, be it in an organization or the role of consultants in their respective domains. According to the statistics, degrees in finance and medical are most rewarding with the best annual packages. In this article, we will discuss some of the most rewarding career options for finance graduates:

 

Economist

The highest-paid career option around the globe after the financial manager is said to be the economist with annual pay of around $104,000. Graduates with finance degrees are lucky as they have multiple domains to explore as per their interest. Experts and professionals serving in different departments claim that even though they are getting good pays, but the salary of an economist is something to envy. Their job description is to evaluate different economic conditions and scenarios that are associated with the production and distribution of goods and services. They are in the position to utilize their expertise and craft a forecast for the plan of action. They may have to plan alternative strategies in case of labor shortage, scarcity of recourses, or condition of the business environment.

 

Financial Advisor

Another highly paid career option for the graduates of finance is to become a financial advisor for an individual or any corporate firm. Graduates serving in the field share their success stories that being a financial advisor was not possible without a master’s degree in accounting. Fortunately, the world has stepped out of the conventional education system and has established online services to serve academia. Similarly, macc online is one of the examples of a master’s degree in accounting that is playing a significant role in providing a platform to the finance graduates to establish their career with an excellent pay scale from day one. According to the statistics, the average salary of a financial advisor is around $85,000 per year.

 

Taxation Manager

According to the current market practices, taxation managers are getting a salary for more than $98,000 per year. Their core job responsibility is to prepare and file tax documents under the rules and regulations of the state and the federal authorities. They have an additional role in developing tax policies for the company to ensure that the company follows ethical protocols of taxation. The tax manager can leverage his power to be an employee for any private organization or may become one of the local consultants. Their findings and services are playing a supportive role in elevating the outcomes of the services, revisiting the existing tax policies, and reviewing the financial decisions. Hence, as soon as you complete your online llm tax degree, you may find a highly paid job as a taxation manager.

 

Wealth Advisor

Among the list of highly paid career options, wealth advisor is the fifth highly paid job with an average of $78,000 per year. The core responsibility of the incumbent is to suggest opportunities with an objective to multiple the wealth of the investor. Mostly, this type of job is offered in large enterprises or financial institutions as they have wealth to maintain. The wealth advisor shares his expertise in finance by utilizing his knowledge of forecasting, analysis, and interpretation. Somehow, the annual package of the wealth advisor is high because private organizations support and tip the private wealth advisors with a yearly bonus from the profit along with the monthly salary.

 

Credit Risk Consultant

Adverse effects of negative credit score is no more a secret to the world. Having a good credit score tends to improve the overall chances of getting approvals more easily by the banks on lenders for loans. Credit risk consultant is a specific position in the field of finance, having a job description to interpret and present raw data to establish credit scores of individuals, companies, and local security products. However, economists and finance professional claim that credit risk consultant has the whole and sole responsibility to present the data upon which the financial decisions have to be taken by the company. Hence, credit risk consultation is one of the highest-paid career options for finance graduates due to the sensitivity of the job description.

 

Conclusion

By the end of 2019, academic education has transformed from conventional classrooms to the virtual world. Fortunately, universities and educational institutions have accepted it with open hearts and are now encouraging students to earn their finance certificate online to save time, money, and effort. Online education is now one of the best evolution of the world that is supporting people to maintain their work-life balance along with the studies. Concluding the discussion with an ideology that it is not the time and effort only, it is the relevant outcome that sets a benchmark.

Online Slots Role In The Gambling Industry

Slots are mainly used as money-spinners for casinos and this is why so many online casinos are slots focused. Casinos are businesses after all and they need to turn in profits in order to survive and they do this by offering punters entertainment. Even though slots have been around since 1895, they are more important to the gambling industry now than in the past. This is mainly due to their popularity and this has increased rapidly from 1996 to the present day. The reason behind the popularity of slots is multi layered. They offer punters fast-paced entertainment that does not require any prior knowledge or strategy. Slots are also accessible 24/7 like other gambling games and they can be played in the privacy of your own home or on the go through mobile devices. Not to mention that there are tons of players online and you can even Click here to explore the different sites that offer slots. This is all thanks to online casino platforms that are easy to join and do not need any special technological know how to navigate through – visit Toppspilleautomater.com.

 

Mass Appeal 

The role of online slots is not only to make money for casinos they also serve to keep the popularity of gambling high. This ensures that the industry continues to grow and that ‘s why hundreds of different slot games are available at top online casinos. The marketing of slots can also help attract a new younger audience to the games and this again is vital to the gambling industry. Already slots have succeeded in bringing a much broader audience to casinos and this includes record numbers of women who enjoy gambling in privacy or on the go using mobile devices. Recent research from the UK Gambling Commission emphasizes the important role slots have in the gambling industry. Not only do they bring in record revenue that is approaching £2 billion, the research also discovered that 39% of slot players are female and the number accessing slots on mobiles rose 5% recently. Women are now a major target market by online slots casinos and some are even tailor made for a female audience. This is achieved by game choice and casino design. 

 

The Future Role Of Online Slots 

Online slots are not only highly profitable but they are also the future of the gambling industry. There will always be sports betting and other forms of gambling, but none have the broad appeal of slots. Despite slots giving the house the biggest edge of all casino games, they continue to increase in popularity. Themed slots based on movies and TV shows also help boost the popularity of slots. The problem slots have is that they are falling foul of tighter gambling controls and this could mean that betting limits come into play and this could lead to a loss of interest in slots playing by high rollers. Slots will also have to embrace new technology if they want to attract savvy young video gamers who are used to playing games with narratives, superior graphics and high levels of interactivity. The most logical next role of slots in the gamble industry is to bring virtual reality to the slots world.

Low Value Slot Symbols Explained

You have probably noticed that when you play slots, whether that’s online slots or physical ones, you see symbols. These are the pictures that are on the reels, and each time the reels stop spinning, a number of different symbols are going to line up. If you hit a winning combination, you will get a payout. If you don’t, you won’t and you’ll either need to play again, visit Storbonus or you’ll walk away depending on your time and money budgets.

Some symbols are of lower value than others, and although most of the time it is the high value symbols that are focused on, in this article we want to look at the low value slot symbols – they are just as interesting.

 

The History of Slot Symbols

In many cases, in order to understand the present, you need to understand the past, so it’s useful to delve a little deeper into the general history of slot symbols. An interesting fact is that many of the slot symbols used today have always been used. When the first slot machine became mass-produced in 1895, this Liberty Bell had symbols that included horseshoes, hearts, diamonds, playing cards, and bells. Many of today’s games have these symbols, or variations of them. 

 

Low Value Symbols

When it comes to slots, the low paying symbols can differ from game to game, and this may well have to do with the theme of the game being played. However, for the purposes of this article we will assume that most games have low value slots that include the 10, J, Q, K, and sometimes A. These come from the playing cards as mentioned above, and they are usually the cards that give players the smallest wins on a slot game. 

Some people suggest that these symbols are there so that people are comfortable playing even the newest of games – it is all very familiar. It certainly makes sense. As human beings, we are often confused by new things, so if there is something there that we recognise we might be more willing to try it out. That will make the game developers happy as well as the casinos; in the end, if it means people are going to spend money, that’s good. 

So although these symbols can certainly give you a win – three of a kind usually does this, assuming you have three reels (otherwise it may be different), so even if you get three 10s you are still going to win something – the money you will get will be a much smaller amount than if you got other, higher value symbols. That’s just the way the game works; some symbols are ‘better’ than others. 

But a win is still a win, and the excitement level is always going to be high even if the value of the symbols you land is not. That’s the reason so many people love to play slots; it is a thrill and is a good way to spend your time when you need to find both enjoyment and relaxation (there is something almost hypnotic about the spinning reels and the way the entire thing can be automated).

The Future of HSBC in China

Source: https://www.scmp.com/business/banking-finance/article/3095964/hsbc-hire-3000-wealth-planners-china-part-asia-expansion

By He Jun

HSBC, founded on March 3, 1865, is facing one of the major risks in peacetime since its establishment. It has become an unavoidable pawn in the geopolitical game between China and the U.S. because of its involvement in the U.S. government’s crackdown on Huawei.

HSBC has deep roots in the Chinese market. Its official name, The Hongkong and Shanghai Banking Corporation Limited, demonstrates its close ties with Hongkong and Shanghai. The original Chinese name of HSBC was ‘Waylee Bank’ but it was later changed to ‘Wayfoong Bank’ in 1881. It is said that the word ‘Wayfoong’ was proposed by the Chinese comprador Gu Yingchun after numerological calculation, and the new name has the meaning of “abundant remittance.” At the beginning of the 20th century, HSBC has become the largest bank in the Far East, regularly accounting for 60-70% of the turnover in the Shanghai foreign exchange market. From the late Qing Dynasty to the Republican Era of China, HSBC Shanghai was the main agency for the Chinese government to repay foreign debts and indemnities, and the main bank that collected tariffs and kept China’s domestic debt funds on behalf of the General Taxation Department. In 1915, the stock of gold and silver in Shanghai’s financial sector totaled 80.99 million taels, among which 17.3% were held by Chinese banks and financial institutions, 44.3% by other nine foreign banks, and 38.4% by HSBC alone. From its founding to the War of Resistance against Japanese Aggression, Shanghai has been HSBC’s most important market in the world.

After the founding of the People’s Republic of China in 1949, HSBC’s branches in mainland China were closed one after another, with only the Shanghai branch continued to operate, making it one of the few foreign banks in mainland China without interruption of business. HSBC China officially opened for business on 2 April 2007 with its head office in Shanghai, China. By 2014, HSBC had 135 outlets in China, with 29 branches in 29 cities including Beijing, Shanghai, and Guangzhou. Currently, HSBC has nearly 170 outlets in 57 cities, about one-third of which are located in Guangdong, making it the only foreign bank with outlets in all prefecture-level cities in the province. HSBC is now the largest foreign bank in the mainland with the most outlets.

However, HSBC, which has deep roots in the Chinese market, is now embroiled in a geopolitical game between China and the U.S., as it co-operates with the U.S. in cracking down on Huawei.

On May 28 this year, the Supreme Court of British Columbia ruled that the essence of Meng Wanzhou’s case was a crime of fraud. On the morning of July 24, the court disclosed the evidence materials for the next stage of the Meng Wanzhou extradition case. According to the disclosed evidence, HSBC is suspected to have participated by providing evidentiary materials on Huawei’s Iran business in exchange for the U.S.’s pardon of HSBC’s violation.

The U.S. Case Prosecution Record submitted to the Canadian court stated that Meng Wanzhou “concealed” the relationship between Huawei and Hong Kong Xingtong Technology Co., Ltd. (Hong Kong Xingtong, or Skycom) from HSBC and “misled” HSBC to continue to provide banking services to Huawei. HSBC therefore violated the U.S. sanctions against Iran and faced the “risk” of civil and criminal fines. Meng Wanzhou constituted a “fraud” against HSBC. The “only key evidence” in this case is a PPT file that Meng Wanzhou gave to HSBC. The public materials include the full text of the PPT, as well as the business email records of HSBC and Huawei. HSBC falsely stated that it did not know the relationship between Huawei and Hong Kong Skycom, which is a blatant lie. From the 2009/2010 financial report of Hong Kong Skycom issued by Huawei to HSBC, it can be seen that HSBC fully understands the business situation of Hong Kong Skycom in Iran. In order to justify the argument and strengthen the effectiveness of the “criminal evidence”, HSBC claimed that only “junior” employees were aware of the relationship between Huawei and Hong Kong Skycom, but these “junior” employees did not pass on relevant information to the “senior” managers, causing the latter to only rely on the PPT provided by Meng Wanzhou to judge the risk.

More critically, in December 2012, HSBC signed the “Deferred Prosecution Agreement” with the U.S. Department of Justice due to its own misconduct, including violations of U.S. sanctions on Iran. HSBC assured the U.S. Department of Justice that it will review and clean up the entire group of customers. During this process, how could HSBC fail to recognize the relationship between Huawei and Hong Kong Skycom? Even so, in February 2013, Hong Kong Skycom closed its HSBC account. This concludes the cooperation between Huawei and HSBC on the Iran business. The business has been terminated, and HSBC still repeatedly requires “communication” with Huawei. Out of respect, in August 2013, Meng Wanzhou met with HSBC executives to give a detailed statement of Huawei’s business in Iran. The PPT she presented was handed over by HSBC to the U.S. side, which became the key evidence for the U.S. to strike Huawei.

HSBC cooperated with the U.S. to frame Huawei, which hides a huge exchange of interests: HSBC acted as a victim to testify against Meng Wanzhou, in exchange for a pardon from the United States. In 2012, the U.S. government charged HSBC with serious money laundering and financing of international terrorism. For this, HSBC paid a fine of USD 1.92 billion and reached a 5-year (2012-2017) “Deferred Prosecution Agreement” with the U.S. Department of Justice. HSBC agrees to “cooperate with the U.S. Department of Justice in any investigation.” If it fails to fulfill the relevant requirements, the U.S. Department of Justice has the right to withdraw the agreement and file criminal charges against HSBC.

In September 2016, news broke from the market that the U.S. Department of Justice was discussing whether to withdraw the “Deferred Prosecution Agreement” and whether to sue HSBC for criminal charges. At the end of the same year, HSBC began a secret investigation of Huawei’s account. In response, Reuters published a report analysis: HSBC “cooperated” with the U.S. to submit the investigation results to Huawei, “coincidentally” it was launched before the expiration of the agreement between HSBC and the U.S. Department of Justice. The Reuters report makes it clear that HSBC actively cooperated with the U.S. investigation of Huawei in late 2016 and 2017 in exchange for a pardon from the U.S. Department of Justice, given the bank’s involvement in other cases involving violations of U.S. sanctions.

According to public information, from February to July 2017, HSBC took the initiative to make at least 4 statements to the U.S. Department of Justice and actively cooperated with the U.S. investigation of Huawei. Thousands of people were interviewed by the U.S. Department of Justice. In December 2017, although the compliance supervisor of the U.S. Department of Justice believed that “HSBC’s compliance is still very flawed”, the U.S. prosecutors “unexpectedly” dropped all criminal charges against HSBC and ended the case against HSBC Supervision. Since the meticulously planned meeting with Meng Wanzhou in 2013, the investigation of Huawei was secretly initiated in 2016, until the termination of cooperation with Huawei in August 2017… Through a series of operations, HSBC has retained Huawei as a major customer and provided evidence to the U.S. in exchange for the withdrawal of the charges against it.

From the perspective of general business logic, a profit-seeking global financial institution should not subjectively “frame” its major clients. But the reality for HSBC was that it had been caught for violations by the U.S. government and had to co-operate with the U.S. Department of Justice in its investigation of Huawei in return for letting HSBC off the hook. On the U.S. side, HSBC needs to act as a “witness”. As we all know, the U.S. government’s global investigation and suppression of Huawei is no longer a commercial interest or violation of sanctions, but a special “battle” in which the U.S. adjusts its strategy towards China and carries out long-term containment against China. In other words, cracking down Huawei is part of a U.S. geopolitical campaign against China that HSBC is deeply involved in.

Faced with Chinese media accusing it of “framing” Huawei, HSBC stated on the its Chinese WeChat messaging service account, stated that it did not participate in the decision of the U.S. Department of Justice to investigate Huawei. “The context of the development of the Huawei incident clearly shows that the U.S. investigation of Huawei was not triggered by HSBC,” the bank said in its WeChat post. “HSBC has no malice against Huawei, nor has it ‘framed’ Huawei,” it said. “In response to information requests from the U.S. Department of Justice, HSBC only provided factual information. HSBC has not ‘fabricated’ evidence or ‘concealed’ facts, nor will it distort facts or harm any customers for our own benefit.”

However, HSBC’s statement sidesteps the point. It is a well-known fact that the U.S. Department of Justice has launched an investigation into Huawei, which HSBC does not need to explain. HSBC’s role, motive, and interest exchange in this matter are the key points. HSBC’s active cooperation with the U.S. Department of Justice undoubtedly played a key supporting role in the U.S. crackdown on Huawei and the arrest of Meng Wanzhou with the help of Canada.

At this point, the Shenzhen Banking and Insurance Regulatory Bureau issued approval on July 24, allowing HSBC China to shut down its branch in Shenzhen’s Longgang district (which coincidentally also happens to be home to Huawei). The big question is what will happen to HSBC’s future. How will it be affected in the Chinese market? To this, ANBOUND’s researchers made the following judgments:

First, it is difficult for HSBC to leave the Chinese market. Unlike other Western financial institutions, HSBC is domiciled in London, but its ‘historical and cultural’ domicile is in Hong Kong, China, where its market is deeply rooted (both in Hong Kong and the mainland China). According to its annual report, HSBC had adjusted revenues of USD 55.4 billion and adjusted profit before tax of USD 22.2 billion in 2019. Its adjusted revenue in the Asian market was USD 30.5 billion (55% of global revenues); the adjusted profit before tax was USD 18.6 billion (83.8% of total profit). Hong Kong’s adjusted profit before tax was USD 12.1 billion (54.5% of the total profit). The first-quarter report of HSBC shows that in the first quarter of the group’s USD 10.66 billion revenue, Hong Kong contributed USD 4.61 billion, accounting for 40%; its profit before tax in Hong Kong market accounted for USD 2.85 billion or 88.2% of its USD 3.23 billion global profit before tax.

Second, HSBC will find it difficult to be free from being caught in the competition between China and the United States. Hong Kong has become the focal point of the geopolitical game between the United States and China. HSBC, with its Hong Kong roots, is struggling to escape this situation. At the same time, it is difficult for HSBC to make a decision to withdraw from the Chinese market because of its interests in the market. In the classification of the withdrawal of foreign investment from China by ANBOUND, HSBC belongs to the category of “collapse once it withdraws”. HSBC is hard to shake off the geopolitical game between China and the U.S., especially after the implementation of the Hong Kong National Security Law and the U.S.’s Hong Kong Autonomy Act. The two countries will engage in a geopolitical game on the legal level. Though HSBC is a giant in the financial industry, its future is full of uncertainties under the geopolitical conflicts. If it cannot withdraw from the Chinese market, HSBC will need to seek more balance between China and the United States in the future, instead of only considering the unilateral hegemony and interests of the United States.

Third, HSBC’s position in China and Hong Kong will change subtly. The latest evidence released by a Canadian court revealed that HSBC was involved in the U.S. crackdown on Huawei. This has quickly provoked anger aiming towards HSBC within China, and offensive remarks against HSBC will definitely increase in the future. In addition, HSBC’s assistance to the U.S. as a “witness” will affect its commercial credibility and market image. In the future, some corporate and individual customers with important ties to China may avoid HSBC when choosing a bank, so as to avoid becoming HSBC’s sacrificial offering to the United States. This will have a negative impact on HSBC’s mainland and Hong Kong markets.

Fourth, the Chinese government may not crackdown on HSBC. Although HSBC stabbed Huawei in the back, ANBOUND researchers believe the Chinese government won’t go out of its way to clamp down on the bank in the grand scheme of things. The reasons are: (1) HSBC is very important to Hong Kong. Hong Kong needs to maintain its prosperity and its status as an international financial center. HSBC, which was “born” in Hong Kong and has a significant relationship with Hong Kong residents and businesses, is an important symbol as well as an important commercial presence. (2) China’s opening to the outside world requires foreign capital, not only the introduction of foreign capital, but also the continuous operation of foreign capital. HSBC is the representative of foreign financial institutions, which has the largest network among foreign banks in China. (3) China’s “sanctions” on foreign banks need to be based on laws, and the current legislation is difficult to retrospect. China’s International Criminal Justice Assistance Law was introduced in 2018, and the Hong Kong National Security Law was released on June 30, 2020. These two laws may not retroactively track HSBC’s past behavior, but will form legal constraints on HSBC’s future behavior.

Final analysis conclusion:

HSBC’s involvement in the U.S. crackdown on Huawei will have mixed repercussions in China. In the grand scheme of things, the Chinese government may not go out of its way to crack down on HSBC, and may not retroactively track its past behavior. However, the future development of HSBC in the Chinese market may be affected to some extent, HSBC’s future behavior will be bound by Chinese laws. To put it bluntly, there will not be a next time for HSBC to “frame” Chinese companies.

About the Author

Mr. He Jun takes the roles as Partner, Director of China Macro-Economic Research Team and Senior Researcher. His research field covers China’s macro-economy, energy industry and public policy.

COVID-19, Cyber Risk, and the 2020 US Presidential Election

On the 3rd of November, Americans are due to hit the polling stations and cast their votes in the Presidential Election of 2020. Yet this year’s race stands to be unprecedented in many regards. Already the COVID-19 crisis is causing adjustments to standard campaign trail events, and amidst the ongoing pandemic, traditional voting methods may be shelved in some states in favor of federal mail-in and state-level online voting.

Most states already allow mail-in voting for federal elections, in 2016, for example, close to a quarter of all ballots were lodged via the postal system. Online voting options are somewhat more limited, however. Some states, including West Virginia and Delaware, allow voters to cast their ballot in state and local elections online, but voting in federal elections online is still restricted to mail or in-person ballots.

There are strong reasons behind these restrictions. According to a bulletin released by four US state departments, including the FBI and the Department of Homeland Security’s cybersecurity branch:

“Securing the return of voted ballots via the internet while ensuring ballot integrity and maintaining voter privacy is difficult, if not impossible, at this time.”

The bulletin went on to state that online voting is far riskier than mail-in systems, an interesting consideration given the media attention paid to mail-in ballots in the run-up to the election. Perhaps more scrutiny should be paid to online voting in states where local votes can be cast via the internet.

In early June of this year, Massachusetts Institute of Technology researchers examined Democracy Live’s OmniBallot, the technology that West Virginia and Delaware are using for online votes. They concluded that the system had multiple security flaws that represented a “severe risk to election security and could allow attackers to alter election results without detection.”

Of key note in this warning is the potential for threat actors to alter election results, something the US has encountered in the recent past. According to Robert Mueller’s 37-page indictment, which was revealed in 2018, Russian agents associated with the Internet Research Agency and its leadership went to considerable lengths to alter the course of American democracy during the 2016 presidential race.

Democracy Live has responded to security criticisms by noting that their product does not truly represent online voting because election officials must print the ballots before votes are actually cast. But cybersecurity researchers have pointed out that there is plenty of potential for vote manipulation before the ballot is printed.

Anyone with a modicum of understanding of how the internet operates is right to be cautious of improperly protected online voting systems. Data in transmission across the internet does not follow a simple path from device A to device B. Rather, it moves on an erratic path from server to server, the path is chosen automatically and is selected autonomously of human input.

The servers that data travels to and from while in transmission are not always in the same country as the sender. Instead, data can pass through multiple servers in multiple nations, and there is no guarantee the servers are not in nations hostile to the United States. Each “stop” at a server represents a cybersecurity risk as ballots may be tampered with en route.

Besides the risks involved in data transmission, another critical concern is the security of a voter’s device. If the citizen’s mobile phone, for example, is infected with specially designed malware, it represents a significant risk to the integrity of the election process.

This is not to say that online voting won’t be a safe option in the future, rather that the US does not currently have secure enough systems in place to ensure electoral integrity. If a solution is forwarded in the coming years, it needs to encompass two key things: an assurance that the voter’s device is not compromised, and a full end-to-end encryption process to protect data in transmission.

Nevertheless, for citizens in some states, voting in state-level elections online is the best option. In these cases, voters should take some basic cybersecurity steps to ensure their vote is counted as intended. Downloading a VPN app ensures end-to-end encryption while sweeping the device in question for malware and viruses eliminates another risk factor.

Beirut – Accident or “New” Bomb Blast?

[Feature image above] A drone picture shows the scene of an explosion at the seaport of Beirut, Lebanon, August 5, 2020. (AP Photo/Hussein Malla) Source.

By Peter Koenig

Global News on 10 August 2020 reports – “Lebanese Prime Minister Hassan Diab announced on Monday his formal resignation, and that of his government following protests and demands for change after the deadly explosion in Port of Beirut last week, saying his government will follow the will of the people for real change and transparency. Diab, in a televised speech, said the detonation of highly-explosive material warehoused in the port area of the capital for the last seven years was “the result of endemic corruption”. Diab said, “Today we follow the will of the people in their demand to hold accountable those responsible for the disaster that has been in hiding for seven years, and their desire for real change. In the face of this reality … I am announcing today the resignation of this government.”

The cabinet had already been under pressure to step down over the August 4 explosion that killed 163 people, wounded some 6,000 and left around 300,000 without habitable housing.

What the PM doesn’t talk about are the special characteristics of the blast – an explosion that produced an unusual mushroom-like cloud, a detonation causing a shock wave that registered 3.9 on the Richter scale, that shattered windows in a radius of more than 10 km, leaving construction – buildings for industry and housing – in shambles with pictures resembling those of Hiroshima after the US nuclear attack in 1945.

Instead the now ex-PM intimated that it was an accident, “the result of endemic corruption”. – How? – How does endemic corruption cause such a well-targeted blast? – If so, it would mean that there was a flow of a huge amount of money between the corrupter and the corruptee.

True. This cannot be excluded. But who could be interested? Giant real estate speculators, like banks and other financial institutions / financiers that might want to buy the devastated prime area – seaport, airport and surroundings – for pennies on the dollar and newly develop the destroyed site for business and luxury housing – it’s called privatization of disaster. Something similar happened in New Orleans after Hurricane Katrina struck the Gulf Coast on August 29, 2005.

All is possible of course especially in our no holds barred free-for-all neoliberal world, and especially as France’s President Macron, a Rothschild lieutenant, came to visit the devastated area shortly after the Beirut blast. Who knows – the purpose of his offer of “aid” – aid almost always comes with strings attached – may have been preparing the terrain, so to speak, for French financial oligarchs to buy-up the harbor and the surrounding areas, for – well, as usual – pennies on the dollar.

But there are also other reasons for the “explosion” of Beirut port. Mind you, they are not at all mutually exclusive. Lebanon’s government blamed a large quantity of poorly stored ammonium nitrate for the blast that devastated the northern quarter of Beirut, killing about 250 people, injuring thousand and destroying the shelter for some 300,000 people. Ammonium nitrate is an industrial chemical commonly used around the world as an agricultural fertilizer, and in explosives for mining. These poorly managed chemicals in the warehouse existed already for at least 6 years. – Is it a sheer coincidence that it went up in flames almost to the day of the 75th Hiroshima anniversary, leaving Hiroshima-like devastation behind?

Next to the warehouse that allegedly harbored these highly volatile chemicals, was apparently also an ammunition-depot of Hezbollah’s. Could it have been the target of a deadly enemy?

On September 27, 2018, Benjamin Netanyahu pointed out to the United Nations General Assembly forum the warehouse, the very warehouse that eventually exploded on 4 August 2020, the Hezbollah arms depot.

Full video of Netanyahu showing Hezbollah’s arms depot, as if he were predicting what was to become the blast site at Beirut port on 4 August 2020: https://youtu.be/YXOHVkLEkgo

This is a possibility. But what about the strange explosion? – According to several journalists and observers, including Thierry Meyssan, this is a “new” bomb. It had been tested already in Syria in mostly deserted areas, since January 2020. But nobody spoke about it. Because analyzing it, might cause grave consternation in the public. That is one explanation. But far more likely, because the masters behind this “new” bomb strictly forbid (under threats) making it public.

On August 7, 2020, Thierry Meyssan reports, “It is not known what weapon was used. However, it has already been tested in Syria since January 2020. It is a missile with a tactical nuclear component in its warhead that causes a smoke mushroom characteristic of nuclear weapons. It is obviously not an atomic bomb in the strategic sense. The weapon was tested in Syria on a plain in the countryside and then in the Persian Gulf on the water against Iranian military vessels. This is the first time it has been used in an urban environment, in a particular environment that made the air blast and vibrations reflect off the water and the mountains.”

See video showing the striking similarity between the blasts in Syria and the blast in Beirut: https://www.youtube.com/watch?v=21JmY1ezAi4
https://youtu.be/21JmY1ezAi4

Was this another test with purpose, like those in Syria? Applied to an archenemy, Hezbollah? – And at the same time destroying Beirut and plunging Lebanon into further turmoil, making it even more vulnerable for a take-over?

One is reminded of Wesley Clark’s interview of March 2, 2007 with Democracy Now’s Amy Goodman, where the US General and former Europe Head of NATO, listed Lebanon among the seven countries that had to be “taken out’. See video: (https://www.youtube.com/watch?v=WGkSNAHqpJM – taking out seven countries, about from min 2:30).

Is the Beirut blast one more test for things to come, after the covid “lockstep scenario”? The permanent ever stronger repression of western governments to keep people separated by social distancing and controlled by so-called “contact tracers” – waiting for a vaccine which they hope will allow the masters inserting a nano-chip in any form or shape, that would integrate with the body and permit permanent surveillance of movement and everything from health records to bank accounts.

Is the Beirut blast just a cog in the wheel to a more important objective; One or New World Order? Mind you, we are already there. The “Lockstep Scenario” is just the fine-tuning mechanism.

Expect mass protests – they have started already in Germany, notably in Berlin on August 1, 2020, with 1.3 million people taking to the streets, protesting against the German Government’s ever more repressive corona measures and restrictions. Numbers and size of such protests may increase over time as the governments do not seem to relent, as if they were following a regime of “higher orders”. Is it conceivable that the “new’ weapon may be applied to western cities of strong social upheaval, and then spread to enemy cities in Russia and China?

Large cities with millions of people could easily be destroyed with the “new” weapon, with the click on a remote bottom – like e-video game, and with none of the perpetrators of such horror destruction hurt. The people on the ground are powerlessly exposed to sudden and slow death. Wasn’t that the case for Hiroshima and Nagasaki in 1945?

And let’s not forget – the US shortly after WWII planned to nuclear-bomb 66 Soviet cities, mind you, this was when the US and the USSR were still allies – see “Wipe the Soviet Union off the Map” – https://www.globalresearch.ca/wipe-the-ussr-off-the-map-204-atomic-bombs-against-major-cities-us-nuclear-attack-against-soviet-union-planned-prior-to-end-of-world-war-ii/5616601. The tactics of such plans are still intact – and shelved, could be revived at any moment. Of course, modernized and with today’s technologies.

Beirut is a sad-sad attack – with a story that is not as simple as the official version would like you to believe. Be aware!

About the Author

Peter KoenigPeter Koenig is an economist and geopolitical analyst. He is also a water resources and environmental specialist. He worked for over 30 years with the World Bank and the World Health Organization around the world in the fields of environment and water. He lectures at universities in the US, Europe and South America. He writes regularly for Global Research; ICH; New Eastern Outlook (NEO); RT; Countercurrents, Sputnik; PressTV; The 21st Century; Greanville Post; Defend Democracy Press; The Saker Blog, the and other internet sites. He is the author of Implosion – An Economic Thriller about War, Environmental Destruction and Corporate Greed – fiction based on facts and on 30 years of World Bank experience around the globe. He is also a co-author of The World Order and Revolution! – Essays from the Resistance. Peter Koenig is a Research Associate of the Centre for Research on Globalization.

First published by the New Eastern Outlook – NEO

Ideas For What to Do at A Retirement Party

Celebrating weddings, birthdays, and graduation is a common trend that most of the people do to cherish the moment and celebrate the journey. But have we ever thought about honoring the retirees, devoted their lives to work? If not yes, then now it is the time to acknowledge their hard work and tribulations that lead them here. It is one of the occasions that we need to observe with full of love and affection. In this way, we can make them feel appraised and valued at this stage of their lives.

Though people at the age of 65 get retired, which is a little later stage. But still, whenever a grandparent, uncle, or your parents get retired, celebrating that moment must be your top priority. No matter whatever it takes, but make sure to make this day memorable for them. Well, no doubt, retirement parties are a bit different from the other parties. It is not just about a thank you card and a cake. That is all about paying homage to their contributions to the firm or a company.

Various approaches are there to make the retirement parties unforgettable. The usual custom is to look for retirement gifts for dad and mom, but that’s just one aspect of a great party.  All you need is to look around and gather some innovative ideas so the retirement party will stand out unusually.

Make sure to invite the colleagues and close friends of the retiree with whom he shares a good bond. It does not concern either the party hosted by the family or the company, give your best shot to make the event happening. Traditionally, a farewell speech from the boss or employees is always a good idea. But giving memorable retirement plaques and souvenirs to appreciate the years of excellence and services is a unique way. It should have a special message to bring tears of joy whenever he sees it.

Well, are you planning to throw a retirement party for your closed one or a colleague? If yes, then this piece of writing is a must-read. Here we are going to spill some beans on the exciting ideas.

 

IDEAS TO MAKE THE RETIREMENT PARTY MEMORABLE:

As we discussed earlier, there are many ways by which we can make the day memorable. First of all, decide the venue, like where do you want to throw it. Either in an office with colleagues or lunch in between the workday. If not these two, then a night gala can also work surrounded by your loved ones. Well, let’s discuss these ideas in detail.

 

A GOODBYE SPEECH:

None of the retirement parties can complete without a goodbye speech. Either a recipient can give it or his co-workers. Make sure the address should highlight and include all the relevant details. For instance, the work experience at the company and the time spend there. It should be well-written and include history from his joining as a trainee to date. Do not forget to call all the staff so everyone can participate in this. Also, ask others to join and offer their speeches to make his last day at the office memorable. Send the invites a week ago at least, before the party. So everyone will think and prepare their speeches.

 

SET A FUN THEME FOR THE PARTY:

There is no doubt that the theme for the retirement party will differ from the others. But, still, that does not mean, the retiree cannot have fun. Set an event as per his favorite hobby, like a party at the golf club, fishing trip, or camping in the mountains. Another innovative idea is to throw a party at the new location. If he has planned to spend his future in a new house, then this is the best place to choose. If he is a wine lover, then ask the guests to bring the bottle of their choice to make the party enjoyable.

 

HONOR HIS ACCOMPLISHMENTS:

Indeed, farewell speeches are very inn, but there is much more you can do. Arrange an autograph book or a diary and take the comments of guests in it. Meanwhile, some unusual video messages from his pals, family, and colleagues can also bring a smile to his face. If all these things are making the atmosphere emotional, then set up the roast and toast at the party. Here, friends can poke and make fun of the retiree to enjoy every bit of it.

 

MAKE A THEME-RELATED PLAYLIST:

A party without music is always a boring idea. So, make sure to add charm to your party by selecting the songs related to the theme. One can either go for emotional songs or happening ones to make the mood of the guests and the environment of the party.

 

ARRANGE SOME UNIQUE CELEBRATIONS:

Among other ideas, do not forget to plan some unique celebrations. Like the last goodbye to the tie as this is perhaps their final day to formally wear it. If he or she is working in a firm, where they wear a uniform, then make a quilt with their signage to pay homage. Also, arrange some fireworks giving a special message to the retiree. Plan the fireworks either in the middle or at the end of the party to surprise him.

 

A PHOTOBOOTH WITH RETIREMENT PROPS:

To make the memories long-lasting, set up a 360 photo booth San Francisco. It is always a fabulous idea to capture every single moment of the party. Use the wacky props related to the retirement and snap the pictures of the retiree with his pals. Go for the group or solo pictures and cover all the guests at the party.

 

FUN GAMES ARE ALWAYS IN:

Though the retiree has worked all his life, which does not mean he cannot enjoy it at this age. Plan some fun games for the guests and the retiree like drink-prune juice or a song competition among guests.

 

CONCLUSION:

As now, you have a lot of astounding ideas to plan a retirement party. So, without wasting a minute, start working on one of the above approaches to throw a lavish retirement dinner or lunch. Meanwhile, pay special attention to the guest list to invite all the friends and dear ones of the retiree.

Innovative Ways of Banking

In the banking industry, the customer must always be front and center in a banking strategy. In order to respond to consumer expectations whilst simultaneously defending market share against numerous competitors, having an edge when it comes to positive customer experiences is crucial. As technology continues to advance, investments from the banking sector are pouring into innovation and digital developments in order to meet customers’ needs and stay ahead of the competition.

As the industry becomes more strategically focused and technologically advanced, let’s take a look at some innovative methods of banking that have transformed the customer experience.

 

1. Bank-Branded ATMs

Cash is still king for most people around the world and these days there are more ATMs available to customers than ever before. One interesting development is the idea of bank-branded ATMs from which customers can still withdraw money even if they are not with that bank. The experts behind the ATM solution by Perativ explain that outreach to new customers is very difficult as the majority of people tend to stay with one bank for most of their lives. Trust is a huge thing in banking, and so as long as a customer doesn’t have a bad experience, they rarely switch. 

Known as a proven method of increasing specific banks’ transactions and profits, ATM branding also attracts the attention of both customers who are already with that bank as well as new customers. Even though there is usually no charge, customers tend to use the ATMs of their own bank whenever they see them. If their bank’s ATM is not available, customers will use another ATM as long as it doesn’t charge them. This is a very effective way for banks to gain awareness and trust with new customers and the strategic placement of ATMs has become an exact science. 

 

2. Contactless Payments

The progression from signing for card payments to chip and pin was a huge step forward in banking but the convenience that contactless payments have brought to low value payments has greatly improved customer experience. Especially now during the CoronaVirus Pandemic, with people trying to refrain from touching things in public, contactless payments have made purchasing items by card quick and safe.

With a small embedded chip emitting short-range radio waves, consumers only have to place the card within a close range to a contactless-enabled payment terminal, and one or two seconds later, the transaction and payment information will be completed. There are no additional fees and the security of the technology is also guaranteed in case there is any fraud that occurs. All customers have to look for is the wifi-like symbol on their card or contact their card issuer in order to find out whether their card has contactless technology.

3. Online Banking Transfers

Online transfers have made it so easy for individuals and organizations to send money between their bank accounts and to other people and businesses. Payment and transfer methods will always be the most dynamic areas of innovation in banking, as these are the things that affect customers directly. The rise in consumer expectations alongside technological advances which led to online transfers has resulted in reduced transaction fees and greater customer independence.

As banking technology continues to evolve, payments will change from a series of specific products to an integral part of customer experience and the dynamics of how and where we pay and receive payments will also evolve at the same pace. Currently, online banking transfers are the most convenient form of payment transaction, but the data from these transfers will be processed and used to deliver even better, more convenient services in the future.

 

4. Online Banking Chatbots

Customer service is fundamental to the banking industry, from the days when the clerks in local branches knew all their customers’ names to these days of digital self-service and internet banking. Whilst it may sound strange, chatbots have brought that personal touch back to the world of banking. With the purpose of improving customer experience, from answering frequently asked questions to facilitate core banking activities, implementing chatbots has been an essential step to take bank-customer relations to the next level. Utilizing more automation means more efficient banking operation, and a combination of bots with different functions working together has proven to be ideal for fulfilling customers’ needs.

In order to compete and grow in an industry with thin margins, fierce competition and ever-changing regulations, innovation is a top priority for banking institutions all over the world. From digitizing core business processes to reassessing structures and human resources, banks must constantly come up with new solutions that can take advantage of data and advanced technologies in order to be well-prepared for the future of banking.

How To Write An A+ Business Research Paper?

Business research acts as a decision-making method in the system of enterprise planning in the field of management, budgeting, and organization of the firm’s activities. Very often, students of business universities have to carry out such research, and therefore it is essential to be able to conduct them qualitatively. If you are faced with such a difficult task, do not worry. We have prepared several recommendations with which you can cope easily and naturally.

 

1. Select a Topic

Before the student’s work begins to be written, it is important to find a topic in which he/she will be interested in and which is not difficult to understand. In some educational institutions, a teacher selects the topic for each schoolchild or student, in others, there is a free choice. 

To make it easier to find a topic yourself, follow a few basic rules:

  • Build on existing research or closely related work by other authors and specialists. To use the experience of other predecessors as support and help is a practically necessary rule. Most often, it is other people’s monographs and scientific works that act as prerequisites for new activities.
  • Before approving a topic, check how much information and materials you can find. First, an extensive thematic field is selected, after that, the author studies the information and literature, and on the basis of this, it will be easier to concretize the topic of the project.
  • It is important that the chosen topic has practical value and significance, is relevant in terms of problems in the field of science under consideration.
  • Another prerequisite is the compliance of the topic with the goals of the educational direction of the student’s professional or general training.
  • Ultimately, after making a choice, consult with an instructor with knowledge of the area to approve or challenge the decision.
  • When searching for a topical topic and problems, it is also important to rely on what discipline will be studied

If you find this step very difficult and incomprehensible, then it would be wise to contact WriteMyEssayOnline, where qualified writers will do the research paper for you.

 

2. Create a Bibliography

Previous research on your topic, as well as interesting articles, books, dissertations, and other materials, will do. When choosing sources, pay attention to the year of publication (you are unlikely to get useful and relevant information from an article published 10 years ago), as well as the fame and reputation of the author. Books and studies are most often freely available, but for some works, you will have to pay a symbolic amount – unless, of course, this is a voluminous book by a well-known specialist.

Also, use academic search engines such as Google Scholar and others. There you will find the materials you need faster than flipping through dozens of Google pages.

 

3. Follow the Right Paper Structure

You have to stick to a specific structure.

It usually looks like this:

  • Introduction (substantiates the relevance of the research, the degree of development of this topic in the literature, formulates the object and subject of research, goals, and objectives of the work). If there is a practical part, a hypothesis is formulated.
  • The main body is presented in the form of chapters, divided into paragraphs. Each part should cover some aspect of the topic, each paragraph should be one aspect of the chapter. At the end of the paragraph and chapter, it is advisable to draw brief conclusions.
  • The conclusion represents general conclusions on the topic, summarizes the research results, indicates the possibilities of practical use of the work results.

 

4. Present the Research Results Correctly

You must present your research results correctly. This is your own data obtained as a result of research activities. The obtained data must be compared with the data of scientific sources from the literature review on the problem and the patterns found in the research process must be established. It is necessary to note the novelty of the results, which was made from the fact that others did not notice what results were obtained for the first time, what shortcomings in practice can be corrected using the results obtained during the study.

It is necessary to clearly understand the difference between the working data and the data presented in the text of the work. In the process of research, a large array of numbers is often obtained that do not need to be presented in the text. Therefore, only the most necessary data is processed and presented. However, it must be remembered that someone may want to familiarize themselves with the primary research material. In order not to overload the main part of the work, the primary material can be placed in the application. The most advantageous form of data presentation is graphical, which makes it as easy as possible for the reader to perceive the text. Always put yourself in the reader’s shoes.

 

5. Design and Revise your Research Paper

Check your grammar, spelling, and syntax. Make sure that the work is built on smooth and logical transitions from one thought to another, from one paragraph to another. You cannot jump sharply from one idea to another. Check with your instructor what format your work should be. Make sure your work contains all the necessary elements, including the title page, content, introduction, body, conclusion, bibliography, and appendices. Before submitting your scientific work for review, check it three more times.

 

Summing up

The research paper is the student’s independent work experience. This problem is relevant for high school students. Studying the algorithm for a research paper is not only an interesting and informative process but also a work that allows you to determine the possibility of manifestation of creativity in writing and design. With our pieces of advice, writing should be much easier. Try it!

3 Tips to Start Your Journey to Financial Success in 2020

What a time to be alive. This year is certainly not what anyone expected, and we are now all working to figure out how and when things might go back to something resembling normal.

At the same time, all of this has put into perspective just how uncertain the future can be. What better time to take stock of your own goals and objectives for the years — and decades — to come?

While we all have different visions for our own lives, one shared hope is for a more financially secure future. But we all know that getting there will never be easy. After all, if it was all so simple, we would all be rich!

Nevertheless, there are some definite steps to take if you really want to start down the right path. And the following three tips will help you move closer to financial success in 2020.

 

1. Change Your Priorities

Most financial advisors will tell you to cut costs and increase your savings. This is of course good advice. But trying to implement it can feel like an exercise in willpower and discipline. Not buying the coffee you love or saying no to that new pair of shoes will feel restricting if you merely see it as some financial law from on high that you have to follow.

But it will all become much easier if you actually — and internally — change your priorities. Limiting spending on nonessential items will no longer feel like you’re being punished and restrained. It will actually start to become something you want to do. It can actually become fun! 

If you can re-calibrate your priorities to a true, personal desire for long-term financial freedom, you will be able to see all the small stuff through this lens. And then it will become your own journey — not just something you feel like you are supposed to do.

 

2. Develop Personal Rules

All that said, some of the best — and more basic — finance 101 advice should definitely be followed. And it doesn’t always matter whether you truly want to do it or you end up doing it out of a feeling of obligation. Setting a budget, limiting spending, and putting money into a 401k when you’re young will work regardless of why you make it happen.

Thus, the best path forward is to read as much as you can about the top rules to follow and then determine which of the common financial tips make the most sense for you. Use these as your guiding principles and then establish your own set of personal rules to follow. Maybe Dave Ramsey says “never lease a car,” for example, but doing so actually makes sense for you.

Regardless of the specific “Do’s and Don’ts” you adhere to, make sure they align with your goals. Then try to never stray off course. Ultimately, it will be a lot easier to stick to a set of rules that you create for yourself rather than following someone else’s plan to a T. Just make sure you are using sound logic as you put them together and not acting foolishly.

 

3. Use Credit Responsibly

Many people have ruined their financial future by abusing and inappropriately using credit. That is not a path anybody should ever walk down. But just because some have been unable to manage their credit, doesn’t make credit itself inherently bad.

On the contrary, credit cards are a fantastic financial tool — when handled correctly. They not only allow for savvy investments and spending on current needs but they offer a wide range of benefits from rewards and cashback to discounts and airline miles. You need to be careful not to make missteps, but the responsible use of credit cards can definitely expedite you journey to financial success.

 

Really Finding Financial Success

Get a good income, cut costs, save money, and invest sensibly. Then profit! Sure, we all know the basics and recognize how this all works. But much like dieting — nobody thinks ice cream is a health food — the real struggle is in changing your mindset and actually adhering to these known principles.

In a lot of ways, it all comes down to changing your priorities. This will be the only true way to achieve your goals and it will be even easier if you set up your own financial rules to follow — and then stick to it! And within these rules, pay special attention to credit and using your cards responsibly. 

Just by doing these three things, you will be in much better shape. Hopefully, at a time like this, you are learning what is really important in your life. So now is the time to take charge of your financial future.

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