Constructing An Effective Banking Resume

A job in the banking industry is challenging and demanding. It’s a tough task to get into the field at the desired position and even more tough is to create a resume. Banking industry is completely different other industries and so the resume also needs special attention with the complete details of every aspect of the banking education and the career as well.

Here are certain guidelines to help you construct an effective banking resume:

• Firstly, mention the contact information including the contact number, permanent address, and email address.
• Write an objective that narrates your professional background in just one statement. If possible quantify the objective in terms of your total years of work experience in the banking industry. Numbers and figures leave a greater impact on the mind of the employer and strongly push forth your resume.
• Follow the objective with your professional synopsis giving a detailed description of your work history along with a complete explanation of your job responsibilities. Mention your specializations like coordinating activities, investment banking, client relationship management, banking operations, and branch management.
• Highlight all the special responsibilities to ensure that your skills and capabilities come into immediate notice of the employer. Show your problem solving, customer management, and employee handling abilities.
• Also mention any key role you have played in the progression of the company or any significant contribution from your end.
• List all rewards, certifications, and accolades you have received in your entire work history. All these achievements can be highlighted and used as keywords to stand out your resume.
• List your educational and professional qualifications with the name of the university, degree earned, and all types of diplomas and certifications. Make sure you mention even the smallest course done in banking related field.
• Mention your extra curricular activities, your birth date, and your personal interest and hobbies. Also list all the extra activities that you performed while you were in school or college. Your leadership qualities in your school time will definitively reflect your qualities.
• Make sure that the entire resume is written in a soft, positive, and a friendly approach

Tips To Safely Transact Silver Online

There isn’t anything that individuals cannot be trade in the internet anymore. Ever since internet started to invade our households practically everything are saleable over the net. Certainly, it made our lives easier and our world smaller. You can now shop even if you happen to be at the opposite side of the planet.

However, the threat of safety is always there. We always hear of horror stories of individuals becoming victims of online fraudsters. Because of fear, individuals are hesitant to divulge information online. Credit card fraud is very rampant and is one of the major issues in this method of transaction. Fortunately, there are really websites and payment systems, which are truly safe. They happen to be trusted over the years because they have perfected the security standards of online payments.

The next question is, how safe is it to transact online especially if dealing with expensive items like gold and silver? Silver, gold and other precious metals are one of the newest things online. Nevertheless, since these extremely valuable metals the question of transacting online is definitely there. Now we will take a look at some important factors to behold if you would like make safe transactions online.

Safe Payment System
There are now online banking and online payment systems that guarantee complete confidentiality and accurate transactions. One good example is the PayPal system, which is used word wide. It is linkable to your local bank. You can enroll online and check your entire transactions and payments online. Even deposits made to your account are possible and you can manipulate everything at the comfort of your own laptop.

Search, Check, Call and Sell
If you already have made a decision to sell your precious metals, the next best thing to try and do is to find reputable buyers and dealers online. You may also do your research along with your family, relatives and friends. Ask your acquaintances in the event that they have experience transacting online. Their experience s a valuable input to you.

Upon getting searched, check if there’s a telephone number you could call. It is always best to select dealers, brokers and buyers that can be contacted on the phone and not only online. Call and speak to a live person to be sure that they are legitimate company or individual collectors. When possible, make sure their address is legitimate.

Do not hesitate to ask questions. Before actually selling, make sure that you do not have any doubt that you wish to do it. Ask the terms and conditions that apply. For example inquire about the shipping method and any hidden charges if there’s any.

Insurance
Because this is going to be an online selling transaction, you have to ship the silver that you’re supplying to the client. Insurance plays an important role in such transactions. It would cost you a little bit more but it is to your advantage after all. In situations your product gets mixed up or lost in transit, the insurance will bear the expense for the amount of whatever they have lost while in process of delivering the goods. Insurance actually works for you.

With all of these things, you happen to be certain that whatever transactions you make online will be as safe as buying or selling in an actual store. Just be cautious and do your part in making your transactions safe.

Online Banking – How To Keep Your Money Safe

Is online banking safe?

To those who fear being ripped off by cyber-thieves, the answer is a resounding “no.” There are criminals lurking online just waiting for an opportunity to steal your banking information, they will tell you. Yes, it’s true, there are cyber thieves waiting to retrieve your information. Just as there are thieves waiting to steal your mail and retrieve your vital information, or thieves waiting to steal your credit cards and rip you off.

But, if you fear doing your banking online there is one thing you need to know. Online banking can actually HELP keep you safer, IF you follow simple safety tips.

How can online banking help keep you safer? By allowing you to monitor your account between statements. How many times have you received your statement only to find something was amiss? Perhaps you find a check you remember writing, only it’s for an amount greater than what you wrote it for. Or you find ATM purchases and withdrawals you didn’t make. If you’re able to spot problems quicker, you’re able to avert a disaster down the line.

Online banking can be safe if you follow certain safety rules:

Be very careful when choosing passwords for online accounts

Use some common sense. Don’t choose your birthdate. Don’t choose pets’ names if you carry those names around with you in your purse or wallet, or if those around you are familiar with your pets’ names. Thieves are smart enough to try birthdates and pet names. Use strong passwords – that means a combination of upper- and lower-case letters, symbols and numbers that can’t be easily guessed. Some experts suggest long words, or two long words broken up with symbols or numbers.

Do not share your passwords with anyone

Well, that certainly seems simple enough. However, are you inadvertently sharing your password with strangers? Do you have passwords written down in your purse or wallet that could fall into the wrong hands if lost or stolen? And, remember, it’s not just strangers you have to worry about. According to one survey done by www.idtheftcenter.org the victim respondents indicated that 43% of them thought they knew the thief; 28% said the thief had done this to other family members as well.

Don’t have a file on your computer with your passwords

Again, a computer, particularly a laptop, can be stolen, along with all your sensitive passwords. And, if you ever get rid of your old computer make sure you take out the hard drive and destroy it, along with all sensitive data.

Use different passwords for different accounts

If you only use one username and password for all accounts and that information is compromised for one account, it’s then compromised for all accounts.

Don’t respond to emails asking for personal information

No matter how official the email looks, don’t give out your personal information. If you receive an email saying your account is going to be suspended, call the bank yourself, with a phone number from your bank statements, not a phone number provided in the email. And, never click on a link in such an email.

Don’t give personal information in unsolicited phone calls

If you receive a phone call purporting to be from your bank and they ask for personal information, don’t give it to them. Again, call your bank with a phone number from your own bank statements and see if the phone call is legitimate.

When using an ATM, don’t allow anyone to see you keying in your code

So you look a little paranoid when you cover the keypad with your body or hand. It’s your money and information you’re protecting.

Pick up your mail as soon as possible

Don’t let your mail sit in your box overnight. There may be a banking statement just waiting for a thief. And, if you can, purchase a locking mailbox which will thwart a future thief.

Check your online account regularly

Monitor your account to check for any unusual activity.

Online banking can be a wonderful timesaver. It can allow you to write bills online, transfer money between accounts and avoid long lines at the bank. And, if you follow basic safety rules it can also be a stress-free endeavor.

What Are Some Overdraft Fee Banking Tips to Follow?

Many people have overdraft protection on their bank accounts. This is a service that lets you spend more money than you have in the account. One huge problem with this is that you end up having to pay fees anywhere from $15 to even $35 for this service on your account. Many people will spend more than is in the account and end up with this fee causing problems with their finances. There are some tips for this situation.

The first thing you need to do is look for a bank with lower fees if this is something that happens to you all the time. There is no need to pay extra if you do this on a regular basis.

One tip that you can do if you know for a fact that you just spent more money that is in your account. Take some cash and go to the bank and deposit it that day. Make sure that you tell the teller to post it to today’s business immediately. This way your account is no longer negative.

Call your bank and try to explain the situation. If the cash is in your account, explain that technically your account is no longer negative. Ask them to waive the fee. If it’s a situation where you were charged too much or double charge, explain that it wasn’t your error and ask them to do something about the fee. Many banks do waive fees if you just ask.

If you don’t have any money and know you will be spending more and more money before the next paycheck, you might as well take out a few hundred dollars and overdraft just once instead of doing it with every purchase. This is the best strategy to save money on these fees.

In the future try to be more conservative about your money. When your account starts to get low, cut back on what you are spending. Get a little bit of a buffer in your account so you never have to deal with this situation.

If you are in the habit of getting bank overdrafts, you are wasting money. Learn some strategies to avoid overdrafts and to get them waived.

Article Source: http://EzineArticles.com/4837054

Banking Tips – Make the Most of Your Money

If the principle behind getting rich slowly could be summarized in two words, they would be these: save money. And what better way is there to save money than to put it in a bank account? When used wisely, bank accounts can help your money grow. When used foolishly, they can drain your finances. Here are some tips for putting your money to work by putting it in the bank.

Banking Tip #1: Choose a Good Savings Account

Gone are the days when grandpas used to bury mason jars full of pennies all across their back yards. Now, we can use banks to keep our money safe and secure. And unlike Grandpa’s stagnant coins, the money you put into a savings account will earn interest. How much interest? The average is between 2% and 4% annually, with compounded interest.

Banking Tip #2: Don’t Let Checking Account Fees Eat Your Money

It’s discouraging to put your hard-earned money into an account, only to watch it dwindle because of ATM fees, debit fees, monthly use fees and other nickel-and-dime charges. Some banks charge you money at the drop of a hat. Others offer free checking, free ATM and debit card use, and no monthly payments. Check out several banks before you set up a checking account.

Also, ask about overdraft protection. Some banks offer it for free. If you ever write a check or make a debit when your account has insufficient funds, the bank will cover the transaction so that you don’t end up owing bounced check fees to various merchants. But you will still be responsible for the bank’s overdraft coverage fees, which can cost as much as $35 per transaction! Keep careful track of your purchases to avoid throwing your money away on these fees.

Banking Tip #3: Certificates of Deposit & Money Market Accounts

Depending on your goals, a savings account might not be your best option. For example, if you want a low-risk investment that returns a good amount of interest, check out Certificated of Deposit (CDs). The only drawback is that you have to commit your money for a designated length of time – typically three months to five years. The longer you leave your money in a CD, the better off you’ll be when it’s time to cash out. CDs are FDIC insured up to values of $100,000.

If you’d rather have quick access to your money, consider a money market checking account. These account return a higher rate of interest than regular savings accounts. Some banks require a minimum deposit to open money market accounts, and there are typically limits on the amount of withdrawals you can make each month. Speak to your bank for details.

Banks are a secure place to keep your money, and they offer services that help you make the most of your money. Go online to compare bank rates and find the best account for you.

Article Source: http://EzineArticles.com/3704895

Design thinking for youngsters is essential for innovation

Breaking away from a traditional learn-memorise-test approach to education, design thinking is paving the way for inspiring ‘out of the box’ thinking amongst youngsters.
You would be hard-pressed to sit through any meeting nowadays without hearing a rallying cry to ‘think outside of the box’ or ‘push the envelope’. There is constant encouragement to bring creative and innovative ideas to the table.

“However, this is starkly contrasted by the fact that our minds have been wired from a young age to approach tasks with logic and with specific pre-defined formulas. Most schools follow a learn-memorise-test approach to education, with little room for innovation and creativity,” states Jacki McEwen, co-owner of Eclipse Public Relations, with a background in design and who is mother of a high school learner. “The introduction of design thinking in schools is an encouraging trend, showing great results.”

Design thinking for youngsters is essential for innovation
© rawpixel via 123RF

According to an article published on Designorate, the benefits of integrating design thinking into the school curriculum is that it will assist learners with their creativity and improve their thinking/innovation skills in a variety of disciplines.

“Design thinking promotes an empathetic approach to solving problems by understanding the requirements of the target audience and developing human-centric solutions.”

One example of how design thinking has been successfully implemented at school level is at the Nueva School in California, where learners were required to design an LED lamp for a family member. However, instead of jumping directly into the design process, the students had to select a specific family member and collect information about how they would use the lamps in order to create one that fitted that person’s specific needs.

“While there is still quite a bit of debate around whether design thinking should be included within the school curriculum, two models have already been explored in the UK – the Frog’s Collective Action Toolkit and the IDEO’s Design Thinking for Educators. Both models explore different approaches in order to seek a better understanding of problems requiring design solutions.”

The Frog’s Collective Action Toolkit aims to assist learners when it comes to identifying and solving problems with which they are faced using a variety of imaginative and team-building skills to find a solution. Conversely, The IDEO’s Design Thinking for Educators model focuses more on the teacher and how each individual implements the design thinking process.

Design thinking and innovation thought leader, Iain Bryant who is a director at Future by Design – Innovation, HCD, says, “Design thinking as a tool is equally effective in solving challenges in an educational setting as it is in banking, medicine, business or any other discipline.”

“In a business world that requires employees to be more than just logical thinkers, it strikes me that introducing the design thinking method into the foundation phase of a child’s schooling years could result in learners gaining the emotional and creative tools needed to become all-rounders in the business world – something which has become so critical in this day and age,” concludes McEwen.

Nedbank launches Africa’s first interactive ATM

Nedbank officially launched the very first Interactive Teller and Banker ATM on the African continent, and in so doing, becoming the second bank to do so in the world.
Nedbank launches Africa’s first interactive ATMThe device effectively transforms a conventional ATM into an interactive on-screen banking session with teller anytime of the day or night. This ATM also responds to the growing trend and need for business and individual clients to make large deposits and withdrawals at unconventional business hours. It allows card-less deposits and withdrawals exceeding conventional ATM limits and enables clients to interact with a video Teller while transacting.

Furthermore, it also enables branch staff who we call service champions, to have a real time view of client detail and allows clients to experience a more personalised interaction when transacting at our self-service devices.

“As a bank for all, we are committed to providing clients with value banking through innovative ways that create safe, convenient and memorable client experiences. This cutting edge device provides clients with an additional channel to engage a teller, “said managing executive Nedbank Integrated Channels, Brian Duguid.

The Interactive Teller boasts industry leading security features such as built-in ID and signature authentication.

“Safety in banking is a pivotal organisational imperative for us. Nedbank will continue to reassure clients by investing in newer, tighter and simpler security features on our devices because we take their money seriously,” emphasised Duguid.

Since 2005, Nedbank has been on a journey of bringing more people into the financial mainstream by making banking safer and convenient. To date, the bank has more than 800 branches and 3500 ATMs and is also accessible through Boxer and Pick and Pay stores (in South Africa).

“In an ever-changing world, fuelled by technology, it is imperative that we provide clients with seamless experiences through a choice of innovative banking solutions and channels that are most suited to their various life stages and financial goals” concluded Duguid.

Personal Banking: Tips To Remember!

Due to personal banking or personal touch banking services things have certainly become a lot easier. However, you have to be little cautious so that no third party can access your personal information and end up being able to get into your account and perhaps taking your money. You will find various banks offering personal touch banking services in Jacksonville, Florida. It is recommended to follow certain tips related to services offered by personal touch banking Florida which will be helpful to you.

When it comes to personal banking there are a few things which you need to remember. For instance, it is required to start off by ensuring that you have the right security software installed on your computer and then make sure that you keep it updated in order to get best personal touch banking Jacksonville services. This is important as it will help to keep viruses from getting on to your computer, so that hackers will not be able to get on your computer. Similarly on a regular basis you need to change your access code to your personal banking, so others didn’t get chance of finding out what it is and access your account. Regular checking of your transaction history or statements for any unusual activity is also essential. In addition, if you notice transactions that you do not remember, you should act on these immediately and make sure that someone has not committed identity theft on you.

Another important tip is to never access Internet banking via links in emails as far as personal touch banking Florida is concerned. It is advised not to enter any personal information or follow a link anywhere to any of email saying this. Instead you have to delete these emails right away or better yet report them. Do not write your access code in a place where others would easily be able to find it and also make sure that you have it written down in a spot where you could find it if you needed it.

Personal banking can be safe and successful if you remember these tips and protect yourself when you are doing your banking online. We all need to be aware of with many dangers on the Internet and especially when we are dealing with such valuable information. By using personal touch banking Jacksonville, you will practically never have to go into an actual bank again.

Personal Banking: Choosing The Right Bank For You

Whether you’re looking for a checking account, savings account, a combination of the two or some other type of personal banking product, such as a certificate of deposit or line of credit, your choice of bank will really make a difference. Many banks are currently offering competitive promotions to lure customers, such as $50-$150 for opening a new checking and/or savings account, cash-back earnings for direct deposit customers and free services such as checking and online bill pay. Some banks are even offering gifts such as iPads and Kindles to new customers. While these incentives are nice, and may help if you are choosing between a couple banks that seem comparable otherwise, they should not be the main factor in your decision. To make the right choice, consider some of the factors below:

Do Your Homework Make sure to shop around and compare the services, fees, conveniences and special perks of several different banks in your area and/or online. This will give you an idea of what the norms are so you can confidently choose the bank that is best for your unique wants and needs.

Check for FDIC Insurance Never open an account with a bank that isn’t FDIC insured. The FDIC regulates the nation’s financial institutions, ensures that they are reputable and responsible, and insures deposits into checking accounts, saving accounts and certificates of deposit for as much as $250,000.

Convenience is Key Some banks only exist online; some have a limited number of branches; and others offer numerous branches around the country or the world. Banks may also vary in the number of ATMs that are available, and whether they charge fees for using another bank’s ATM. These are all important convenience issues to consider.

Figure Out the Fees It’s crucial that you understand exactly what fees a prospective bank will charge, which may include monthly service fees as well as hidden fees for things like checking your balance on another bank’s ATM. As far as the fees for over-drafting your account go, banks must now have customers opt-in to allow them to cover overdrafts (for a hefty fee).

Many banks are currently offering competitive promotions to lure customers, such as $50-$150 for opening a new checking and/or savings account, cash-back earnings for direct deposit customers and free services such as checking and online bill pay. Some banks are even offering gifts such as iPads and Kindles to new customers. While these incentives are nice, and may help if you are choosing between a couple banks that seem comparable otherwise, they should not be the main factor in your decision. To make the right choice, consider some of the factors below:

Your Unique Needs Before bank shopping, it’s important to write a list of what is most important to you in a bank. This list may include nearby branch locations, ATMs across the country, direct deposit services, investment opportunities, mortgage loans, student loans, lines of credit or debt consolidation, just to name a few.

Securing The Best Jobs In Banking

Many graduates and young workers in the United Kingdom are eager to enter the banking industry. No one can decry this enthusiasm, as there are very lucrative positions with major banks throughout the country. However, banking professionals who have been in the industry for years would attest to the highly competitive nature of the job market at present. After all, thousands of graduates are competing with local and international professionals for jobs as advisors, bankers, and stock traders. Graduates and those just getting into the banking profession must accordingly familiarise themselves with the methods best attuned to securing their dream job.

The first tool that must be used to secure a quality banking job in the UK is the CV. A CV is not just a list of experiences and accomplishments; it is a calling-card promoting a young professional within the world of banking. As such, several actions should be taken to create a quality CV for banking positions. Applicants need to include a short statement of goals at the top of their CV, which usually explains in one sentence why they are applying and in another sentence outlines their professional goals. Descriptions of academic and professional experiences should be kept concise in order to save the weary eyes of a hiring manager. Finally, a bank professional’s CV should include references in order to save time and trouble for the prospective employer.

In addition to the CV, a person seeking a role as a banker should be active in networking within the industry. Conferences on banking issues, as well as open houses and public events, are usually available to any banking professional who wishes to attend. In addition to practical tips and education, these events offer an opportunity to network and create connections with major banking companies. These connections may also be vital to paving the way toward a successful entry-level position in banking.

Fundamental to securing a great job in banking, is making the correct impression during interview. Young professionals often think that they have to make just the right noises in order to impress interviewers. However, many banking professionals say that what they usually look for is an honest and forthright person with the right skills. After all, customers and clients need a genuine representative to handle their money. Banking professionals should dress immaculately for interview, as appearance is important in lending legitimacy to a candidate. In addition, banking applicants need to answer every question honestly, and without having concern that what they are saying is the “wrong” answer. In the end, a bank is more willing to hire someone with the right talent and demeanour rather than someone who will only give fabricated answers.