Money and the Spirit of the Universe

download-17Many give God the name The Universe and that is pretty close to my knowledge of it. Experience of reincarnation and with a link to the Spirit it appears to me that it is in everything and everywhere and that it controls the money side of humanity. It would, therefore, be using money to create greed, to devastate the environment, to deplete resources, and to pollute the atmosphere. It has also used it as a commodity that mankind cannot do without. So why do we have it?

With my limited knowledge and as a result of my research it appears that money is a tool used by the Spirit to bring about the disasters that have beset the world. They include the weapons used to kill us. It is also the reason for the depletion of resources that is destroying the environment, polluting the atmosphere, and causing an extinction of species.

Animals survive happily without any to these things and perhaps that is the yardstick by which we should measure how money and the Spirit of the Universe are working against us. Money is an invention and like all other inventions it was meant to make life easier, but for whom?

Governments are dependent on money for their survival. They use it to build a country’s wealth and provide services. Those same benefits help to increase the population and improve health to the point where the great explosion is now more than the earth can cope with, or so it seems.

The evidence is in the way human behaviour changes. With the increase in numbers human life becomes less valuable. Fights break out more readily and wars are inevitable. As the resources dwindle, thanks to an over-consumption of them, countries that once drew large incomes from them are failing. An example of that is Venezuela which is now bankrupt.

Climate change and global warming are the consequences of this ‘better life’ that money provides and suddenly it seems that we don’t have the answers after all.

The question becomes ‘why has God allowed money to destroy the world?’ The answer is obvious when one considers how little thought many give to what they are doing when they over-fish the oceans, turn soil into salt by over production of food, and burn fossil fuels to the extent whereby the atmosphere is now poisoning us.

Surely these things were meant to be as one reads about them in the Old Testament prophecies. The thing that many can’t get their head around, however, is why is it happening in our lifetime? The answer might lie in what is happening in the world of finance.

Article Source: http://EzineArticles.com/9447273

Do Financial Services Agents & Brokers Need Wakeup Advice?

download-18Agents in the financial services sector play a crucial role in sustaining the business. Financial services encompass broad sub verticals like – banking, insurance, and investment funds companies where their crucial role like building relationships and getting business volumes cannot be underestimated.

Personalized sales are the approach set by agents and brokers for decades. They carry a lot of information on products, markets, and prices. But after the IoT, big data and analytics came to the center stage, it became imperative for agents and brokers to stay relevant. The mobile customers supported by mobile workforce of businesses are posing existential threats to agents and brokers. Many may wonder – is this the end of the road for brokers and agents?

Financial services honchos may consider eliminating the role of agents attracting new prospects with reduced premium or discounts. But wait a bit more before you send the execution order as they have the firepower still. It is into this area focused study is required.

Can Agents Stay Relevant?

Now the question before us is, are agents and brokers relevant? First of all they have time tested relationship with a large number of accounts whom they assiduously nurtured. Today, the brokers themselves are mobile and know the IT tools to nurture their audience. With the help of IT apps on their mobile they go for client acquisition faster. In this process, they:

• Contact their prospects and educate them about the products.
• Provide valuable pieces of advice on most feasible product for them.
• Evaluate the performance of securities.
• Build relationship after gaining an understanding on every aspect of customer relationships.

We are coming to the important aspect. Today technology obsolescence is making the role of agents irrelevant. To some extent it is true if the mobile customers make a total shift from agents and have direct interaction with the company. But the question is how feasible is that idea. We all know in our busy schedules, giving priority be it paying premium or buying stocks may not be appealing to all with a few exceptions. The reason behind this is people are not that self motivated and agents step into this gap with their relationship nurturing skills.

In areas like spending money people are little scary as well as slow decision makers. This cannot be construed as weakness but in fact it is wisdom as sensible ones do lot of research and thinking before they take the plunge. What does this mean for the financial services sector? Financial sector services may be enthusiastic about IT tools which helps the customers to take informed decisions. But what is the exact scenario? People will do all research with the tools on mobile but many will be unlikely to take the final purchase decision because there is a need for a resource person to give relevant and contextual information on products and services. This should be followed by the ability to close the deal once the curiosity level is raised to the highest. Who can replace agents or brokers who had been doing this for decades?

So, now the readers might have understood the value of agents in clinching the deal. Getting business is not an ordinary deal. It requires a lot of effort, constant follow up on clients to arrive at a decision. Just SMS alerts won’t do the trick. Having said this, let us consider how the agents can be used creatively with technology in this era of technology disruption. We also need to consider how agents can be empowered with technology and how.

Agents Can Be on Survival Mode with IT Tools

To survive in today’s volatile markets, what is most needed is actionable information. Agents who are working overtime in building relationships and closing deals definitely require latest IT tools, to be specific BI, big data and analytics tools to take key decisions. In the case of insurance, BI tools can help the agents and brokers to derive key insights on customers and understand their inclination to offer customized products or solutions. BI dashboards will help them to manage relationships effectively. So is the case with banking and investment companies who hire third parties for business development.

Application of analytics comes in different areas like content analytics, context analytics and business analytics. In content analytics unstructured data like call center logs, sensor data, audio, video data can be analyzed to track trends, customer responses, etc. In context analytics data is analyzed to understand the context which is vital to take context based decisions. In business analytics patterns, behaviors or trends are discovered through statistical analysis. Last but not least is predictive analytics where application of techniques like statistical analysis, regression analysis, correlation analysis, cluster analysis, social media analytics etc., are applied for new product development.

Agents are catalysts in information gathering as they move with people and trigger discussions on products and services. Because of this stronger reason, one cannot conclude that agents are on their way out in the disruptive technology era. But at the same time agents should take recourse to IT for their survival as well as the survival of financial services businesses. Let time tell the rest.

Article Source: http://EzineArticles.com/9463544

What Are The Services Of A Reliable Financial Adviser?

download-19Almost all individuals face financial problems that can affect their financial stability and future. It gets even worse if you need to deal with numerous issues that can affect the financial status of your business. Luckily, there are now ways to deal with these issues easily. And, this is by working with a financial adviser. With these experts in financing, you can deal with all of your financial problems easily since they offer numerous services. Below are some of the following.

Retirement Planning

One of the best services a financial adviser can offer is retirement planning. After years of working, retirement is the time when individuals can enjoy their life. Unfortunately, there are cases when individuals cannot create a good retirement since they cannot manage financial issues properly. Luckily, financial advisers can provide you with a reliable retirement plans that can match your needs from traveling, investing and even maintaining your lifestyle.

Tax Advice Services

Managing taxes can be a huge task individuals need to do annually which can consume most of your time. This task can be even harder if you need to deal with business taxes. Eventually, financial advisers provide tax advice services to guide you in the entire process. In addition, experts can also help you ensure that you get most out of your tax returns.

Loans

There are some instances when individuals need huge amount of money to match their needs from buying a house or a car up to investing in assets up to funding educational needs of children. And, the best option to match your needs is to apply for a loan. However, applying a loan can sometimes be daunting since you need to pass all the requirements needed. But, if you want to have better loan options, it is best to work with financial advisers.

Insurance

Another wonderful service financial advisers offer that can help improve your financial status is insurance services. These services are important to protect your financial future against unexpected events. With the help of advisers, individuals can make sure that they can organize a cost-efficient insurance that is tailored to your needs.

Investment Advice

Finally, financial advisers can also provide you with investment advice services. These services are crucial to have a solid financial investment plan to help you secure your future.

Article Source: http://EzineArticles.com/9449475

What Services Of The Best Banks To Look For Before You Open A Business Account

As of now, there are numerous services company owners need to opt for in order to make their business better and their ventures easier. With these solutions, business owners can also increase their profits. These third-party services can also provide you with wonderful benefits which can help your company achieve your goals. So, in order to accomplish financial tasks companies need, it is ideal to partner with the best banks and open a business account.

Surely, there are numerous banks that offer reliable services for their clients. However, you can distinguish which bank is best if you want to open a business account by knowing the benefits it can provide. Below are some of the features you need to look for.

Help you improve your businesses’ financial status

One of the benefits of opening a business account in reliable banks is you can easily improve your business’ financial status. This is essential to entice companies to partner or to work with you. Unfortunately, not having sufficient finances can affect your chances. By opening a business account, banks can help you attain the documentation and finances you need which can help improve your reputation.

Banks that make use of difference financing services

The next benefit of opening business accounts is you can make use of difference financing services. Surely, business owners may encounter numerous problems most especially financial issues. Therefore, business owners need to find ways to ensure that their finances will not be affected. By working with banks, company owners can properly choose a financial service which can match their company needs.

Allow you to keep your business consistent

Another feature of opening a business account is you can keep your business consistent. For instance, paying bills and receiving payments are some of the most common tasks business owners need to do in order to have consistent business flow. Sadly, these tasks can sometimes be stressful since you need to make sure that your personal and business accounts are separated to help you audit your expenses efficiently.

Offer effective supply chain solutions

Lastly, opening a business account can also help you obtain supply chain solutions. Supply chain solutions are important since these are specially designed to help you optimize your working capital, reduce your expenses, and have better visibility and control over receivables. With this, you can enhance business performance.

Article Source: http://EzineArticles.com/9483098

Money and the Death of Planet Earth

If there are future generations after this one, when all seems hopelessly in danger, what might they say to those who are driving the earth to the point of death? We don’t need to see more of the devastation to know what is happening. What will more documentaries like those now showing the danger we are in do for anyone? We know how many species are being destroyed, how over-fishing of the oceans is bringing them to a point of collapse, how polluted the atmosphere.

There is only one thing that is more important in the eyes of most and that is making money. The mindset that by taking just a little more will do no harm, or that it is not the business of individuals that is at fault, nor could it possibly be the result of the super large families of some who have no limits.

As the earth buckles under the pressure and millions flee the conflicts that usually follow such a huge population explosion like we are now experiencing who is it really that is to blame? Surely one would look to a high power, the Creator in fact, who is in charge of all things.

That power for me is the Great Spirit of the Universe whom is expected is in charge of all things and everyone on the planet. This thought comes because of my reincarnation and knowledge that the things man believes in, such as heaven and hell, do not exist. What is reality, however, is that we are in crisis and money and the death of the planet go together.

Article Source: http://EzineArticles.com/9447291

Money Pollutes the Environment

Watching a power station expelling gasses into the atmosphere from burning coal is a disgusting experience. The smell it generates is appalling and people are living nearby and working in it. The men who mine the coal are breathing in black dust that results in black lung disease. The cars we drive are little better as they pour out similar gasses into the air. Those gasses are a mixture of carbon monoxide, a super deadly gas, and carbon dioxide.

Man has believed that the earth is big enough to cope with it but what was not taken into account is the multiplying effects from the millions of similar businesses that do the same. The end result of all is money and many are dying because of it.

While Australia debates the pros and cons of climate change leading up to an election on July 2nd 2016, people are outraged that those creating enormous wealth from mining of dangerous pollutants are unstoppable. Among them are the gas companies who are causing some to suicide by their tactics. The result of their ‘work’ is releasing methane gas from rocks that is poisoning the water and the atmosphere around cities and rural properties.

There seems to be no way of stopping this invasion and governments are misled by their claims of jobs and other things that don’t always eventuate. The ones making the money are the owners of the businesses that are doing the polluting and they have little care for the environment, or so it seems.

This is not a problem for Australia alone as the same is happening world-wide and people are voicing their objections by turning away from major political parties. While voters have woken up to the big-polluters who care more about the money they make rather than the health of the planet politics is facing major challenges.

My perspective on this problem comes from memory of my reincarnation and my suspicion that everyone is back, which accounts for the huge population growth of recent times. It is also apparent that the earth can’t survive the impact of the pollution much longer, so we are in the last days. If this is the case, then there is ample proof that money is used by God to bring it about.

It is the hunger for money that drives the World Order and that puts wealth creation ahead of common sense and survival. So what are those who pollute the environment thinking? We can’t eat coal and we can’t breathe the gasses and everything else is in decline.

Article Source: http://EzineArticles.com/9448332

Money Causes Extinction of Species

A very sad report on Australian television showed the way the Andes is being depleted of forest and how species are dying and a lot is due to illegal loggers. While governments have some control over the way the trees are logged and sold, however, the facts are that the number of trees felled are so great that a continual flow of logs down the river is so thick that one can walk from one side to the other. This is every hour, every day, every week, and every year.

This is how much humanity cares for the environment when money is at stake. Species are dying and those who depend on the forest to live are obviously in grave danger. The Chachi, also called Cayapa, are one such group and they number around 3,000 to 5,000. They are a people with their own culture, language, and religion but polluted by Roman Catholic influences. Their future is at stake because of the disappearing jungle they depend on for food and resources.

This has happened repeatedly over the globe as man takes from nature to inflate his wealth. It is often the very rich who is responsible for the devastation, although we are all to blame. It’s not just the rain forest but the oceans, deserts, and agricultural species that are all at risk of extinction.

One doesn’t usually place food products as endangered but the facts show that they are, and highly so. To begin with pollinators are already scarce in some areas and the United States has had to import bees to keep production of crops going. In many areas bees are facing an uphill battle and it’s a lot to do with climate change.

Plants that once flowered in Spring, for instance, now do so in winter. The seasons are out of kilt with the natural birth-death cycle of insects and even ants are struggling. Forests have to be in the mix as well as they depend on animals and insects for distribution and pollination of seed. Without the normal life-cycle diseases and an over-abundance of insects that carry them are now prominent.

The Zika virus is one that depends on mosquitoes to spread it the Ebola and HIV viruses must be included, although they are spread by contact and transfer of body fluids.

In general, the world has become unbalanced and there is nothing to fix it. We can’t reverse the trends and we can’t demand people stop taking from the environment while they depend on money to live. It’s a trap we have been driven into by it.

My memory of reincarnation provides me with an explanation of why this has happened as it is my opinion that everyone who has lived is now back in their body as we are in the last days. This is supported by prophecies whereby we are told that we return six times but that the seventh will be the last (Job 5:19-22) while we are also told that the graves will give up their dead (Isaiah 26:19).

This recycling fits how nature recycles and the old becomes new again. Only now we have been warned that only a few will survive the things that are coming. The visions shown to me were horrendous and have already begun. Money won’t stop it but rather it is the light under the fire that is causing it and extinction of species is the way to bring it about.

Article Source: http://EzineArticles.com/9448323

Money and Power

If anyone wants to know why money was invented they need to look at the power that it generates. Politically it is the mainstay of governments while religiously it has grown gods and made their organisations indispensable. So where does it fit into the scheme of human behaviour and why is it at the root of the World Order? One could may assume that something other than an invented commodity would fit that role so why doesn’t it?

When humans took to a sedentary life and gave up wandering the forests and taking their food from the land, as God originally intended, they had time to think about other things. In the depositions of their living areas archaeologist have uncovered tales of their development from what might be termed primitive living to the more sophisticated trade deals and exchange of goods.

Other things crop up as well and chief among them is the religious side of life and the sacred sites where they imprinted their feelings and beliefs on items in art form. Over time the images became ever more lifelike and their meanings clearer. It was there where my research discovered the power.

It came first in the form of an exchange between humanity and the Sun-God. This unmistakable giving of life for prosperity permeates the ancient world and mysterious sites, like Stonehenge in England, or the temples of the Maya in Mexico. They stand as fortresses of power holding a code within that is only now interpretable.

My reincarnation and evidence that there is no heaven or hell is behind my ability to look at these sites from a different perspective and without the religious bias to better understand their meaning. It is a fact that the ancients were desperate to communicate with the sun and they worked out ways to do that. One way was to send a man up riding the cross as a kite to mate with the Mother God. This is shown in rock art in Nordic regions, such as Ostergotland (star of god’s land).

Dispersed light creates rings of seven colours, the same as the rainbow, and the number for ‘her’ is ‘seven’. The man is number 8 and multiplied together 7×8 is 56, the number of holes in the outer circle of Stonehenge. Both these numbers are linked to ancient beliefs that carry over into modern religious practices.

There are 7 candles on the altar of Christian churches, and 7 lights in the normal Jewish menorah, and so on. There are also 7 days of the week and 3×7 is 21, another mystical number. The 3 represents the ancient trinity of Mother God, sun and light.

Stonehenge displays the practice of exchanging god-men on crosses for fertility of the earth. The core of the site is the horse-shoe shape enclosed by the trilithons, made of 2 upright stones with a cap supporting them are the top. The ‘horse’ features prominently in ancient rituals and the white horse was etched out of the underlying chalk in several places in both Britain and Europe.

In time the use of circles as a symbol of exchange gave rise to the coins that were imprinted with the king’s head because he was supposedly the one married to the sun. The magic of handing over his image in exchange for goods took hold and gave rise to the monetary system. It was enhanced by Constantine, who established the Catholic Church in the year 325. He is also the one who organised the system of commerce that is still in play.

The circle with cross symbol is found in and around many sites on every inhabited continent and the first coins were of the same symbol. Later the king’s head was put inside the circle to suggest he is the thing that is the metaphor of the exchange. It provided extra power to the money, while that term comes from ‘moni’ or ‘man in the eye.’

Article Source: http://EzineArticles.com/9450729

The Security Intelligence in The Financial Services

Security intelligence is the data related to safeguarding an organization from any outside and inside threats along with the processes, and policies developed to accumulate and evaluate the information.

It can also be referred to as the actual collection, standardization, and analysis of the data created by users, applications, and structures that influence the IT security and risk position of a business.

On a daily basis, information flows in organizations for the senior management to make smart decisions. The various stakeholders (employees, customers, contractors) are interfaced through various technologies.

However, the technological infrastructure can also result in serious security issues. The probable areas of intrusion are unlimited. Security experts and business leaders are trying to find an answer to the question – Is it feasible to have a robust security in an increasingly interfaced environment?

Though the answer is yes, it needs a radical transformation in processes and practices encompassing the financial services sector. The focus is not only on IT. Robust security facilitates a positive customer experience.

Cybercrime and Profitability

Financial institutions are at great risk since they are perceived to be an easy target for cybercriminals. According to a survey by IBM, “Financial markets, insurance, computer and professional services together account for over 40% of all security incidents worldwide.”

The losses, pertaining to cybercrime in other sectors could be due to industrial intelligence and fraud related to intellectual property, but in banking, online fraud is a possibility.

Any fraud related to the intellectual property and industrial intelligence could lead to reduced shareholder value, shut down of the business and net financial losses. These are the issues impacting the global financial sector, not only because the main reasons are not identified or the disruption to the customer is immediate, but also because they can result in a significant loss of money.

As per Andrew Haldane, Financial Stability Director at the Bank of England, “Cyber-risk has become a more pressing concern than economic depression and the Eurozone crisis, as it is a rapidly rising area of risk with potentially systemic implications”.

Comprehending the seriousness of the security risk is only a beginning. Financial institutions must establish an in-depth security intelligence strategy that would enable the financial institutions to have an insight into the perceived threats.

Financial institutions leverage top-notch analytics to get an understanding of:

  • The types of attacks that are occurring.
  • The probable source of the attacks.
  • The technology used by the cyber criminals.
  • Weak spots that could be exploited in the future.

Michael Davison, Banking and Financial Markets, IBM, stated,” There’s not another single issue that unites the interests of so many people at senior levels of banks. It unites technology, the CFO, security and compliance functions. But cybersecurity is also mission critical for people running lines of business and who are running P&Ls. So quite rightly it sits on the Board agenda. But there’s still work to do to educate Boards about the urgency of an effective response to the rapidly changing environment.”

Financial institutions must implement the following practices to get the balance between the required innovation and the related risk:

Establish a risk-conscious culture

  • An organizational transformation with an emphasis on zero tolerance towards a security failure must be established.
  • An initiative encompassing the organizational hierarchy to execute smart analytics and automated response competencies is needed to identify and resolve issues.

Safeguard the Working Environment

The functions in distinct devices must be examined by a centralized authority and the wide array of information in an institution must be categorized, tagged with its risk profile and circulated to the concerned personnel.

Security Design

The greatest problem with the IT systems and the unnecessary costs is from executing services initially and looking at security afterwards. Security has to be a part of the application from the first phase of design.

Ensure A Safe Environment

If the system is secure, security personnel can monitor every program that’s functioning; ensure it is ongoing and operating at optimal level.

Manage the Network

Organizations that route approved data through controlled entry points will be in a better position to identify and separate the malware.

Cloud Based Security

To prosper in a cloud scenario, organizations should possess the technology to operate in a secluded environment and track probable issues.

Involve Vendors

An organization’s security strategy must also involve its vendors and efforts must be made to establish the best practices among the vendors.

Financial firms have been a major target for malware attacks. Several aspects are impacting the financial sector. The direct connection between the breach of several personally identifiable information (PII) to the profitability has not been lost on the global financial stakeholders. This has led to the implementation of several global security projects.

A hazardous type of malware for online financial transactions is “Man-in-the-Browser” intrusions. It happens when a malicious program affects an internet browser. The program adjusts activities conducted by the user and in some instances, can initiate actions independently. It could lead to online stealing.

Financial institutions that can transform radically at a fundamental level, the way they function would be safeguarded.

The aim of enterprise security could initially emphasis on IT structures, it must be extended from the technology personnel & their systems to each individual within the organization, and all the stakeholders conducting business with it.

Financial firms must comprehend the data that they have, which must be made available to the system, where they can compare and develop a real understanding of the actual threats and contingencies that may compromise the business.

Article Source: http://EzineArticles.com/9456919

Handle Your Finances With Care

It takes years to gather a handsome amount of money, and if it is not handled properly, your most prized possession would soon escape from your hands like sand. This is the reason why people go for financial planning. It gives you a great sense of satisfaction when you know that your money is in safe hands and is being handled with utmost care.

However, not many people are aware of the process involved in financial planning. Based on your financial position, it is very important to go ahead with personal planning because if you don’t start planning well in advance, then you might face several challenges in the future.

Financial advisors suggest all individuals follow these six basic key principles for financial planning.

• Analyse your current financial status: To be able to plan for future you should first be very confident about your current financial position. Make a checklist of all the assets and liabilities and your income and expenditure. Having this information at hand, you would be in a clear position to understand how you can achieve your financial goals. Your total financial worth would help you to determine the ways to accomplish your set goals, which include paying for your children’s education, buying a new property or being ready for any financial emergency like the loss of a job.

• Chalk out your financial goals: In order to accumulate wealth, a lot of planning has to be done in order to achieve the desired goals. Setting goals would give you an urge to go ahead to achieve it. Your list of financial goals should be very specific, which would show that they are crystal clear in your mind.

• Plan for alternatives: You cannot expect your planning to go as per your wish, so you should always have a plan B at hand. After listing down your goals you plan for alternatives as well.

• Analyse the alternative options: You should ponder upon the feasibility of the alternative ways taking into account your social, personal and economic condition at present. The liquidity of your assets also matters in this regard.

• Creation and execution of your financial plan of action: Once you have planned about your alternative options and have analysed its feasibility, it is time for you to put these plans into action.

• Review your plan: Since financial planning is very dynamic process it is subject to change at any moment. So, it is always advisable to keep reviewing your plans every now and then.

Article Source: http://EzineArticles.com/9450018