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How the UAE can improve its financial literacy Financial literacy is the awareness of how money functions and the capacity to handle one's finances successfully. While it is not a new idea, it is a completely recent phrase frequently used in the UAE. Why is this so? The reason, it appears, is that we are a not a financially knowledgeable nation. This can be clearly gleaned from our amount of debt, which constantly increases. In spite of the fact that the Central Bank introduces more rigorous qualifications for individual lending in 2011, banks are still allowed to grant loans of up to 20 times a person's monthly wage, with installments not to go above 50 per cent of monthly wage. The worth of personal debts in the country rose by 3.8 per cent to Dh270.7 billion between January and May this year alone, according to the Central Bank. That sum is over and above the Dh8.8 billion increase in individual loans reported during 2012. In addition, a survey by The National Family Status Observatory in 2012 revealed that about 60 per cent of Emirati families disbursed about one fourth of their monthly earnings repaying loans from credit cards and individual loans. Those figures are excessively high, says Keren Bobker, the financial counselor who writes The National's "On Your Side" column. "A major fraction of the population has total monthly loan obligations that surpass their income," she says. "Inescapably, this will end up in defaulting on payments and other dire consequences." So why is the UAE exceedingly financially uninformed? "Many factors can explain this predicament," Ms Bobker says. "These comprise having to handle financial products in a second language; absence of transparency in terms of many financial products and services; lack of help from banks, and excessive hard selling which are improper." Having debts has been embedded into the culture, she says. "So many citizens here simply believe that having large uncollateralized

http://www.behance.net/gallery/Tyler-Group-Article-Reviews-Ants-can-save-millions-fro/8627853 Apart from the early warning seismology that tsunami warning centers (TWCs) provide when countries suffer the worst earthquakes particularly California, Japan, Indonesia, Italy and Greece there is help already available. German research with HR cameras has begun to check these species that show vivid reaction to early signs of quakes. We know that carbon dioxide gas is released below ground where the great plates are scraping against each other. We know that sound and vibration can be carried through the earth itself. Some of these signals are picked up by ants, as described by Gabriele Berberich of the University of Duisburg-Essen in her paper; recently presented at the European Geosciences Union annual meeting in Vienna. The Tyler Group Barcelona research as hinted in the paper's title, "Biological Anomalies Prior to Earthquakes," many other animals such as the obviously close-to-the-ground snakes and mammals have also been recorded in their particular actions. One advantage of using ants is that they are so easily observed another is their proximity to the source of the detectable changes; another is their extreme sensitivity, using of course, and many small individual "sensors" in the form of workers. Related Articles: http://chirpstory.com/t/85236931403 http://chirpstory.com/t/85236931403/members

http://www.allvoices.com/contributed-news/14588446-tyler-group-article-reviews-ants-can-save-millions-from-earthquakes Apart from the early warning seismology that tsunami warning centers (TWCs) provide when countries suffer the worst earthquakes particularly California, Japan, Indonesia, Italy and Greece there is help already available. German research with HR cameras has begun to check these species that show vivid reaction to early signs of quakes. We know that carbon dioxide gas is released below ground where the great plates are scraping against each other. We know that sound and vibration can be carried through the earth itself. Some of these signals are picked up by ants, as described by Gabriele Berberich of the University of Duisburg-Essen in her paper; recently presented at the European Geosciences Union annual meeting in Vienna. The Tyler Group Barcelona research as hinted in the paper's title, "Biological Anomalies Prior to Earthquakes," many other animals such as the obviously close-to-the-ground snakes and mammals have also been recorded in their particular actions. One advantage of using ants is that they are so easily observed another is their proximity to the source of the detectable changes; another is their extreme sensitivity, using of course, and many small individual "sensors" in the form of workers.

Expats kan bli förvånade över för att finna lagen för att göra verksamheten i Spanien ett pågående arbete. Expats som flyttar till Spanien hittar fortfarande arbeta världen, större spansk kultur, i tradition. och Härav följer, att det kan ta lite tid och ännu mer tålamod att etablera en fast fotfäste i en företagsmiljö. Starta ett företag i Spanien Lagen för att starta ett företag i Spanien fortfarande kommer förpackade i byråkrati, och består av tio förfaranden som tar ett genomsnitt på nästan 50 dagar att slutföra. Dessutom fel är hög, och expats på ställa in butiken bör se till att lämpliga marknaden forskning innan börjar processen. Från områdena som expat-koncentrerat av Costa del Sol och Costa Blanca är det dessutom nödvändigt att tala och förstå spanska flytande. Göra affärer i Spanien: faktum fakta Business språk: spanska, medan vissa stora företag och multinationella företag kan göra affärer på både engelska och spanska förväntar sig inte engelska till talas som de facto arbetar världen. Öppettider: mycket variabel, mycket allmänt kontor öppnar klockan 9 och nära mid-evening, med två timmar för lunch på tidiga eftermiddagen. Klänning: formellt, konservativa och av hög kvalitet. Mörk eller linne med vita skjortor och siden band som passar för män och blygsamma klänningar och skräddarsydda kostymer (inklusive byxa kostymer) för damer. Varumärken och designer etiketter konstateras skyddstullarna. Gåvor: inte förväntade, men lämplig på framgångsrik förhandlingarna och på jul. Om mottagaren av en gåva, öppna den framför giver. Gåvor ska vara av hög kvalitet. Jämställdhet: fullt lika, med någon form av könsdiskriminering, men Spanien är traditionellt mansdominerade samhälle och endast nyligen börjat kvinnor utgår från mitten av att ledande nivå befattningar i något annat än familjeföretag.

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Financial and Legal (financial planning for expats at Barcelona, life insurance, banking, etc) Best for Expatriates in Spain As an expat, your circumstances are likely to change more often than if you were in your home country. Clear financial advice and planning means that expatriate life is without worry and that your future is taken care of. Financial planning requirements vary from country to country and expatriates living in Spain may need to allocate their investments in a different way. These are the elements that make expatriate financial planning different. Currency One of the first financial steps when relocating abroad may involve exchanging currency to that of the new country. It is important to search around for the best deal at both banks and specialist currency dealers. If an income is received from another country in another currency, it will need to be exchanged into the currency of new country. The impact of a regular currency conversion can leave a person exposed. Currencies move quickly and often; it may be necessary to "forward book" some of the currency exchanging to fix the rate of exchange. When it comes to arranging savings and investments, different currencies also need to be taken into consideration. In principle, if the investments are generating income used to live on, they should be in the same currency as the expenditure. EMERGENCY CASH FUND Regardless of the country of residence, an amount of cash should be instantly available for emergencies. In the case of expatriates, this fund needs to be higher because inevitably additional trips back home are required (for example, trips to see ailing and infirm relatives). The amount required depends on individual circumstances and a financial adviser takes this into account when financial planning. BANK ACCOUNTS Expatriates need a bank account in more than one country; a local bank account is required in the local currency. It is also often necessary to retain a bank account fo

http://www.sfgate.com/business/prweb/article/ThreatMetrix-to-Exhibit-and-Present-How-to-4370312.php Cybersecurity Leader to Demonstrate How e-Commerce Merchants Can Prevent Payment Fraud, Account Takeover and Identity Theft San Jose, CA (PRWEB) March 20, 2013 ThreatMetrix™, the fastest-growing provider of integrated cybercrime prevention solutions, today announced that it is presenting and exhibiting in booth 1010 at the 2013 ANNUAL MRC e-Commerce Payments and Risk Conference, March 25 - 28, at the Aria Resort in Las Vegas. The Merchant Risk Council (MRC) is a merchant-led non-profit trade association focused on electronic commerce risk and payments globally. The MRC leads industry networking, education, benchmarking and advocacy programs to make electronic commerce more efficient, safe and profitable. According to a 2012 survey conducted by CyberSource and MRC, two of the top online fraud threats experienced by e-commerce merchants were account takeover and identity theft, each often the result of malware targeting a merchant through their customers. Using 2012 industry market projections, CyberSource's "2013 Online Fraud Report" estimates that total revenue loss on e-commerce sales in North America translates to approximately $3.5 billion. "With both reputations and real dollars hanging in the balance, it's imperative for e-commerce merchants to prioritize the implementation of multi-layered cybersecurity programs to protect their organizations and create highly effective online retail experiences," said Andreas Baumhof, CTO, ThreatMetrix. "Cybercriminals have targeted e-commerce merchants with malware designed to deliver access to customer data and other restricted information. Criminals are ramping up their attacks with new variants of the Zeus Trojan - advanced malware that allows cybercriminals to seamlessly intercept customer data at the time of checkout." Get more info: http://www.goodreads.com/topic/show/1089015-the-tyler-group---glo

the tyler group article code 85236931403 TTG, Intel Fuels a Rebellion Around Your Data Intel is a $53-billion-a-year company that enjoys a near monopoly on the computer chips that go into PCs. But when it comes to the data underlying big companies like Facebook and Google, it says it wants to "return power to the people." Intel Labs, the company's R&D arm, is launching an initiative around what it calls the "data economy"-how consumers might capture more of the value of their personal information, like digital records of their their location or work history. To make this possible, Intel is funding hackathons to urge developers to explore novel uses of personal data. It has also paid for a rebellious-sounding website called We the Data, featuring raised fists and stories comparing Facebook to Exxon Mobil. Intel's effort to stir a debate around "your data" is just one example of how some companies-and society more broadly-are grappling with a basic economic asymmetry of the big data age: they've got the data, and we don't. Internet firms like Google and Amazon are concentrating valuable data about consumers at an unprecedented scale as people click around the Web. But regulations and social standards haven't kept up with the technical and economic shift, creating a widening gap between data haves and have-nots. "As consumers, we have no right to know what companies know about us. As companies, we have few restrictions on what we can do with this data," says Hilary Mason, chief data scientist at Bit.ly, a social-media company in New York. "Even though people derive value, and companies derive value, it's totally chaotic who has rights to what, and it's making people uncomfortable." In February, for instance, legislators in California introduced the first U.S. law to give individuals a complete view into their online personas. The "Right to Know" bill would let citizens of the state demand a detailed report showing all the inf

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