Robo Advisors

Interesting Facts About Robo Advisors

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By now, you likely know a thing or two about robo advisors. You are more than likely aware of what they are and how they work. That being said, there are still a few interesting facts about them that we thought you might want to know about.

This article contains a few interesting nuggets of information that you might not have heard of before. Either way, we hope you find it interesting!

Learn more about robo advisors in Asia.

Robo Advisers are Perfect for Beginners and People with Little Spare Time

The main advantage of robo advisors is how much time they save you and how much of the work they do for you. Thanks to this, they work perfectly for both beginners and busy people!

Beginners can use them quite easily, as all they will need to do is answer some questions about their financial situation. The robo advisor will do the rest for them!

On the other hand, those of you who have some trading experience but just don’t have the time to do your own research can make good use of them as well!

Robo Advisers Do Not Actually Advise You at All!

Ironically, the robo advisor doesn’t actually give you any advice! Instead, the robo advisor does EVERYTHING for you. From the research to the actual trade, you’ll have no say at all. You could, in fact, call it a robo ‘auto-investor’ rather than a robo adviser.

That being said, having all the work taken from you doesn’t sound so bad, does it?

A Robo Adviser Isn’t Even Really a Robot!

Robo advisors are simply an algorithm, rather than a robot. A single algorithm that is tailored to your portfolio answers works to make trades for you. The process is more of a mathematical one, rather than mechanical.

So, there you have it. A robo advisor isn’t actually a robot, nor does it provide any advice. So, how did it end up being called a robo advisor? Excellent question! Let us know when you find out.

Confusing name or not, robo advisors are incredibly useful trading tools. We strongly recommend looking into one!

Good luck and happy trading!

Find the best online brokerages in Singapore.

Bank’s Customer Service

The Best Ways to Improve Your Bank’s Customer Service

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Maintaining excellent customer service is crucial in the banking industry because it helps you attract and retain clients. As technology is increasingly used to obtain financing, open accounts, and manage money, you must continually strive to improve your customer service through many options.

Empower Your Employees

Everyone on your payroll, from the banking expert to customer service employees, makes up your frontline. Therefore, you need to give them the tools and training they require to provide top-notch customer experiences.

Allow Customers Self-Service Options

Due to technology, customers today are increasingly self-reliant. Netflix, Amazon, and Google have conditioned consumers to expect what they want when they want it. To grant this wish, embrace technology and provide self-service options that let customers handle their accounts and other financial information conveniently.

Stay Consistent Across All Points

One of the key areas that many banks struggle with is providing a consistent customer experience across multiple channels. To improve, you need to ensure that all of your points line up and provide quality service.

Educate Your Customers on Financial Literacy

Banks have been educating customers on financial literacy for a long time. However, ensuring that you are using it properly and targeting the right audience can help make your customer service much better.

Embrace Financial Technology

It can be tough for banks to comply with consumer demands for mobile technology and still meet strict industry standards. However, one way to greatly improve customer satisfaction is to embrace financial technology.

Become an Advisor for Small Businesses

Small businesses are often looking for more than just a lender. They want a business partner. This is an opening that banks should use to increase their customer relations. Take the opportunity to move beyond the lender role and become an advisor for small businesses.

Banks need to be competitive in their customer service departments if they want to succeed. This is especially true as technology continues to encroach on the industry. By using these tips, you can help your bank provide an exceptional customer experience.


How to boost your business efficiency with marketing outsourcing?

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Outsourcing has become one of the most proven methods regarding efficient operations and business profitability. More to that, it gives a company of any nature a competitive advantage within the long-run perspective, while allowing for focusing on the core functions of that business. Many companies turn to marketing outsourcing as a resolution to many issues involved with cost, productivity, staffing, and workload. Having a reliable and proven partner gives the advantage in many business areas, but, most importantly, towards the cost. One of the leading BPO companies recognized by several ranking platforms as the number one service provider is Helpware Inc. The company provides a number of services, such as customer supportback-office support, video, and image annotation, as a part of their Taskware project, and marketing support. Developing a marketing strategy, managing social media channels, and creating outstanding content of any kind — just a few of the marketing solutions Helpware offers.

So here are the key benefits your business gets through marketing outsourcing:

  • Outside the house perspective. A familiar environment and tried-and-true methods oftentimes disallow to get a fresh view on some complex marketing issues. Outsourcing provides for a team of innovative experts that can create, design, and develop a completely new strategy for improvement that will ultimately increase efficiency and provide for a better result.
  • Avoidance of staff turnover or temporary leaves. In-house marketing may be challenging in terms of time-offs or resignations. Covering absence or going through the recruiting process again is a time and money-consuming process. Marketing outsourcing allows managing the workload and gives your business assurance in a consistent and efficient workflow for all times.
  • Reduction of overhead expenses. Retaining qualified employees with years of experience is beneficial for the business, but extremely expensive. Turning to the outsourcing firm provides access to the team of experts with credibility to provide more services than the in-house team. After all, you get the necessary resources to build your marketing strategy, while completely benefiting from the reduction of overhead expenses.
  • Access to industry-leading technology. The investments marketing agencies make in the market-leading tools are enormous. Since marketing is not the focus of your business, there are simply no available resources to acquire a similar set for better efficiency management. Outsourcing provides your business with full access to marketing technological advancements, where competitive advantage and business growth are ensured.

It is time to start saving money and investing in a better future for your business. Allow your internal team to focus on the strategic and high-level activities, while the outsourced marketing firm will exert every effort to boost your efficiency and make your life easier.

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Safe Deposit Lockers

Safe Deposit Lockers: What to Store and What NOT to Store?

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You put your money in a bank to safeguard it. But where do you store your most valuable items – like jewellery and important items? Sure, you can keep them under your mattress, but that’s probably a bad idea. A better option is a safe deposit box, which you can rent from a bank.

Traditionally speaking, deposit boxes have been a safe way to store family heirlooms and important personal documents and possessions for several years. However, you need to make smart decisions about what items really should be put in a safe deposit box.

In the pandemic, many banks have issued statements and rules that have made access to safety deposit boxes not possible in these times. So, if you need access to the stored items from time to time, then do not put them in a safe deposit box.

Here are a few things that you should know about safe deposit boxes going into the future.

What Is ASafe Deposit Locker?

A safe deposit box is a secure container that can be used to store valuable items. The security offered by the bank is what makes these safe lockers lucrative to store precious items. They are sealed behind vaults and can be rented for a long time by either a single individual or a trust.

Here are a few things that you should store in your safe deposit locker, and a few things that you shouldn’t.

Things to Store in A Safe Deposit

  • Personal papers
  • Stamps
  • Jewelry
  • Important Business Papers

Even though safe deposit lockers are entirely safe, it’s better to put irreplaceable documentsthat could be damaged by water into a waterproof container. While it might not be necessary, doing soprovidesmore security and can also help keep your documents more organized.

Things You Shouldn’t Store


Let’s admit it: unless you’re, say, a frequent traveler, you probably don’t need your passport 24\7. Still, you never really know when you’ll need your passport for business or a spontaneous trip, so it’s best to keep it safewith you.


Don’t even think about keeping cash in a safe deposit locker. Why? First, if you need your money immediately and the bank is closed, you’re out of luck. Second, you’re much better off keeping your cash in a place where you can benefit from it.  How? Consider investing in Fixed Deposits, which will not only help you to safeguard your savingsbut also earn a profit, something that won’t happen if your money is in a safe deposit box.

Where to Rent a Safe Deposit Locker in the UAE

Safe Deposit Boxes offer safety beyond what can be achieved at home. If you’re in the UAE and looking for a place to safeguard your most valuable items, ADCB is your destination.

I have personallychosen ADCB’s safe deposit lockers because they offer more flexibility compared to otherbanks across the UAE.

The bank offers two types of safe lockers units; an assisted safe locker that can only be accessed with a combination of your key and the bank’s master key, and an unassisted safe deposit locker where your assets are stored in a fully automated locker that is available around the clock. These lockers feature a unique biometric security system that provides even greater security than a regular safe locker.

If you decide that a safe deposit box is the right solution for your important items, you’ll have peace of mind knowing that your valuables are in safe hands. ADCB’s safe deposit lockers are available in various sizes for your convenience and at competitive fees.






Website Longer

How to Keep Consumers on Your Website Longer?

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Approximately 90% of American consumers use the Internet to find new businesses. When someone searches for the products/services your business offers, you need to make sure your website is showing up in search engine results. Simply driving traffic to your website is not enough to increase your bottom line.

Keeping the visitors to your website engaged as long as possible should be your main goal. If people are not staying on your website for a long period of time, you will find it difficult to generate quality sales leads. Below are some things you can do to keep consumers on your website for a longer period of time.

Make Sure Your Website Content is Scannable

The main thing a first-time visitor to your website will notice is the content you have in place. You want the content on your website to be inviting and easy to read. Some business owners make the mistake of using large chunks of written content on their webpages. This cluttered layout can make your content unappealing to the average consumers.

Successful marketing professionals like Eyal Gutentag realize just how important scannable content is to website success. If your existing content is a cluttered mess, you need to work on incorporating things like bullet points and shorter paragraphs into your existing design. By doing this, you can keep the visitors to your business website engaged.

Not only do you need to update your content layout, but you also need to make sure the content itself is readable and free of errors. Identifying the changes that need to be made to your existing content is easy with an extensive audit. Allowing professionals to perform this audit is crucial when trying to avoid mistakes.

Add Video to Your Website

The average consumer wants a good mix of content on the websites they visit. If you are only using text to engage with the people who visit your website, you are making a big mistake. One of the best ways to keep website visitors on your domain longer is by providing them with interesting video content.

Most people will sit in watch a short video before they read a long blog. This is why you need to work with marketing professionals to get some video content on your webpages immediately.

The best way to revamp your website is by working with the right professionals. An experienced marketing agency will have no problem optimizing your existing domain.

tax accountants

Here’s why individuals need tax accountants!

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Many people unfairly assume that tax accountants only work with businesses. While CPAs do work extensively with business clients and corporate firms, they are also extremely useful for individuals, including self-employed and working professionals. If you check for a reliable tax accountant Athens GA, you will find quite a few firms that work with individuals. In this post, we are discussing more on how a CPA can help your personal financial & tax planning needs.

  1. Plan & prepare your taxes without any glitch. Tax planning requires experience and expertise, and working with an accountant will allow you to make the most of deductions and the option to defer income and expenses to the next year. 
  2. Help with estate planning. You would want your hard-earned money and assets to go in the right hands, while saving on tax liability, as well. With CPAs, you can expect to get help with estate planning too.
  3. Aid with retirement planning. Individuals who work with tax accountants can plan their retirement efficiently and focus on reducing tax liability. The best accounting firms can help you in making the most of your retirement income.

Finding a tax accountant

There are many known tax & accounting firms in Athens, but before you choose one, make sure that they have experience with investments and have worked with clients with a similar profile as yours. Don’t shy away from asking questions with regards to how they can help your personal financial goals. If you have any specific queries with regards to estate, tax deductions, and investments, make sure to ask the same during the first appointment.

A good tax accountant can help you make the most of whatever money you have, and you don’t have to worry about errors that can eventually pose a problem and cause friction with the IRS.

employee hr background check

Things to Know About Background Checks

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When you’re looking to hire or be hired to a company, the employer needs to know more about who they are hiring. Think of it like starting a relationship. Before the employer can make a commitment, they need to know something about your history. An employee hr background check is comprehensive enough to make sure that hiring someone will promote productivity and safety in the workplace. So, here are a few things to know about background checks.

What a Background Check Looks For

There are different kinds of background checks that focus on different aspects of the prospect’s history. Employment background checks focus on the prospect’s employment history, searching for comments about their contribution to the workplace, reason for termination, etc. Criminal background checks look for records of any criminal activity; this is used primarily to ensure that people hired do not compromise the work environment in any way. Employers will typically run a background check using multiple options including a credit check. This helps them get the full picture of who they are hiring.

Other Uses for Background Checks

Universal background checks are more commonly used during the purchase of a firearm. Anytime a licensed seller of firearms is about to complete a transaction they run this kind of background check on the purchaser. Things that would block your ability to buy a weapon would be things like felony charges, some misdemeanors and open arrest warrants.

If Your Record is not Spotless

Having marks on your criminal record will not automatically tank your chances of being hired somewhere. It depends on several factors, the employer’s standards, your candidness and more. For example, there are jobs that don’t disqualify people if they were convicted of a felony as long as they meet certain conditions. While other workplaces would not accept a record like this, it is important to do your research ahead of time about who shows more leniency on those things.

Background checks are like a safety net designed ideally to filter between higher and lower risk individuals. It makes sense that if you’re going to hire someone to do work that will impact the company and the people who work in it, you need to get an idea of that person’s history. This can reveal their compatibility with current employees as well as their trustworthiness. Even outside of applying for jobs background checks can impact who can purchase weapons, which tries to avoid giving means to less than upstanding individuals.


Understanding Singapore Moneylender Interest Rates

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Any type of Singapore moneylender with which you choose to apply will make their own decision regarding whether you can pay for a home loan, and wherefore amount. They do this by establishing your serviceability. Serviceability is your capability to repay your loan. In calculating this, loan providers will include a hypothetical bumper to guarantee you’ll still have the ability to pay your loan should interest rates increase.

Determining interest rates

Many lending institutions use the very same fundamental formula when computing your borrowing power:.

Gross earnings– tax obligation– existing commitments– new obligations– living expenses– buffer = regular monthly surplus.

This formula helps establish your serviceability, which is your capacity to satisfy loan payments, based upon the loan amount, your revenue, costs and other obligations.

Lenders will evaluate the payments of your brand-new loan at a rate that is normally 2% to 3% over the actual rate of interest that you at first consent to. This is to ensure that you might still repay your home loan if the interest rate were to rise in future.

Fixed-rate home mortgage

A fixed-rate loan implies that the lending rate is “fixed” for a particular amount of time– commonly between 1 year to 5 years.

The major advantage of a fixed-rate loan is that the rate of interest is ensured not to alter over the fixed duration, so you understand specifically how much you’ll require to pay off throughout that time.

Just recently, lots of customers have been going with fixed-rate home loans because of Australia’s historically reduced money rate– and subsequently low mortgage rate of interest.

Variable rate mortgage

A variable rate home loan is one in which the interest rate can change over the lifetime of the loan This can occur any time, yet is most likely to occur following the nationwide bank’s monthly cash rate meeting.

Rates change for a variety of factors, including the nationwide financial institution’s official money rates, bank funding prices, profits and the bank’s cravings for mortgage.

Mortgage to build a home

A mortgage to build a house is a specific sort of loan called a construction loan. When building the residence, you pay the bank in ‘progress repayments’ which are for each and every step of construction. If only $200,000 of a $400,000 has been drawn down, you’ll just pay interest on that $200,000.

Records required for a home loan pre-approval

Home loan pre-approval approves you to obtain as much as a particular amount, providing you a good idea of what you can and cannot pay for. The records needed for mortgage pre-approval consist of:

  • Evidence of revenue (payslips, income tax return and so on).
  • Financial institution declarations and proof of financial savings.
  • A list of your existing assets and liabilities (e.g. bank card and personal loan financial obligation).
  • 100 points of ID (driver’s license, passport, Medicare card etc.).








Young Male Motorist Involved In Car Accident Calling Insurance Company Or Recovery Service

When and how to choose a car wreck attorney?

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It is of utmost importance that you choose the best car wreck attorneys near me to maximize the chances of claiming the compensation you deserve for your loss.

If you have managed to steer clear of any car accident in your life for so long, consider yourself fortunate because the odds are that an individual will get into at least one accident in their lifetime. And when such a time comes, you may most likely need a car wreck attorney. There exists no such hard and fast rule as to when to hire a car wreck attorney. You can choose to hire a lawyer when you can no longer continue to handle the accident claim independently.

An experienced car wreck attorney understands the significance of a claim in an individual’s life and knows how to implement the best strategies to avail the claim, thereby protecting the client’s best interests. However, choosing the wrong attorney could result in you leaving the money on the settlement table. So, here are a few tips to select the best car wreck attorneys near me:

How to settle for the best car wreck attorneys near me?


Work of mouth referrals is powerful ways to find car wreck attorneys. With numerous car accidents taking place every year, it is a safe bet that your acquaintance needed a car wreck lawyer at some point. Referrals from your acquaintances can land you a reputed lawyer. If anything, getting a recommendation helps you to narrow down your choices. Sometimes, a place to start is all you need.


A lawyer with a great deal of experience will provide you with all the details of the procedure. You will want to finalize an attorney with enough experience. They have excellent knowledge about the law’s ins and outs and know the norms for negotiation and settlement of car wreck cases.


A lawyer should be able to communicate with the client and provide clear insight into the case. A natural flow of communication over call, email, or in-person should be there. An attorney should clear all your queries and provide you direct and to the point answers.

Dealing with insurance companies

A reasonable car wreck attorney should know the insurance companies’ offers in detail and advise you accordingly. It would be best to settle for a lawyer who is an expert in pressing the insurance companies hard to get you better settlements.

Long-term engagement

Legal cases can sometimes drag on for years. So, it is essential to pick someone with whom you can get along well. It is always advisable to choose a lawyer who genuinely wants to help you, even if it takes years. A lawyer who is not interested in your case will only put minimal effort, and that is what you should avoid.

Final thoughts

When you are looking for the best car wreck attorneys near me, considering the points mentioned above will help you get the best for yourself.



Workplace Panic Buttons

Workplace Panic Buttons – Why Have Them At Your Place Of Business?

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Modern-day panic buttons are technologically advanced security systems that are not at all similar to the traditional wired workplace panic button systems. The modern-day systems boast a plethora of functions that wired systems do not possess.

What is the point of having a workplace panic button system in your place of business?

Well, how about a scenario when a distressed ill-doer gains access into your facility. A security threat can also emerge from the inside of your place of business.

Suppose your HR department chose to lay off a non-performer and the person, who just lost his or her job chose to take you or any number of your workforce hostage for as long as his or her demands are not met by you or the HR department of your company.

In any of the two cases mentioned above, there is no guarantee that a wired panic button or alarm system will do its job and alert the on-site security team as well as the authorities on time. On top of this, even if a wired panic button system sends out the signal to the authorities, there is no way to confirm whether or not the authorities received the distress signal on time.

On top of this, there is no guarantee that you or anyone who has access to a traditional panic button system in your place of business will be able to press the button in a bid to send out the distress signal on time in case of an emergency.

All of the scenarios enunciated above can be categorized as levels of vulnerability in your place of business hence, to ensure that you, your workforce, and your place of business doesn’t fall prey to the harmful impulses of an ill-doer, get in touch with a reliable service provider that supplies and installs modern online panic button systems specifically designed for workplaces as soon as possible.

Are there any other advantages?

Sure there are.

Here is rundown about some of the other unique advantages of installing a panic button system in your workplace:-

  • Setting up a panic button system is a hidden but effective way to increase the security of your place of business.
  • It is also a sign put out for your workforce to see and appreciate that you are taking measures to care for their security and wellbeing.
  • Workplace panic buttons could be placed in strategic locations all over a place of business so that you and your team members have easy access to them in case of an emergency.
  • Modern-day panic button systems are backed by 24/7 monitoring stations run by the manufacturer or the installer of the system. These monitoring stations will keep an eye out for distress signals and when they do receive one, they notify the authorities in no time. Hence, by installing a panic button system in your place of business, you can rest assured that someone is always keeping a watchful eye on your wellbeing and the security of your workforce.

An estimated two million people fall prey to or witness workplace-related incidents that quickly turn violent and sometimes, even turn fatal. Having workplace panic buttons is not a luxury anymore as it has become an integral part of security systems such as surveillance and ACS systems. Invest in a workplace panic notification system today and keep your company from becoming a part of the incident statistics.