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Opportunities for Africa to Deepen Financial Inclusion and Development

When people can participate in the financial systems, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Sub-Saharan Africa has a population with most lives being at the economic downstream, and most likely underdeveloped. The financial inclusion gender gap and income gap persisting just like in other continents, though higher in Sub-Saharan Africa. World Population estimates based on the latest estimates released on June 21, 2017, by the United Nations, shows Africa continues as the second largest continent with a population of 1,256,268,025 (16% of the population of the world) and by the end of January 2018, 40.2% living in urban areas. The continent has the highest fertility rate of 4.7% (Oceania 2.4%, Asia 2.2%,...[Read More]

What Makes Nonprofit Fundraising Difficult?

2015 was a great year for fundraising. Over $373.25 billion was given to charity. And, 25 percent of the U.S. population volunteered for charitable work from September 2014 to September 2015. So, why is it that a lot of nonprofits, schools, churches and others have it so hard in raising money for their groups? Ask any fundraiser or CEO and he or she will tell you that fundraising is one of the most difficult parts of their work, but crucial for sustainability. What Makes Raising Money So Challenging? Every day, my team and I speak to hundreds of nonprofits, schools and charitable organizations. That gives us an excellent opportunity to have a broad view of what’s happening in the sector. What follows are some reasons we’ve discovered in conversations about the challenges of rai...[Read More]

Law Enforcement Perspective on Mobile Remote Deposit Capture

Technological boundaries have become non-existent across the landscape of consumer banking. Financial institutions continue to properly manage risk while attempting to maintain and attract customers in a very competitive consumer banking environment. The technological cultural shift has integrated electronic devices into the ability to effectively and efficiently function in our society, but not without a cost. As the distance between the consumer and the teller frontline has increased the potential for financial fraud corresponds. As financial fraud evolves Law Enforcement must strive to stay ahead of the fraudulent schemes and respond with proper investigation techniques and prosecutorial strategies. For the past several years Remote Deposit Capture(RDC) has provided efficiency and lower...[Read More]

How Affiliate Marketing Can Work For You

There are many ways one can describe affiliate marketing; however many have the same meaning. People who market online as an affiliate marketer have made it into a legitimate business. In essence, it is a cooperative effort between the merchant and the affiliate. From the point of view of a merchant, affiliate marketers are the lifeline of their business because they do most of the promoting of their products. They are easily able to expand their reach without major capital expenditure. By marketing their products, whether they are tangible or digital, the merchant is, in effect, expanding their sales force without any of the associated costs. This is very appealing, as this enables their wide distribution while only paying when a sale is actually made. The Internet continues to develop ex...[Read More]

Review – Making Money With Blogs Using Blogging To The Bank System

Each week you can find scores of new releases coming on the market. While the majority are re-hashes and 2nd rate wannabees, some are in reality useful and worthwhile. A good indicator of which ones are better is high user acceptance in conjunction with low refund rates. A relative newcomer inside the making money with blogs area referred to as Blogging To the Bank by Rob Benwell is meeting that criteria and looking good. This useful product is considered the brainchild of how to make money with blogs, especially niche WordPress blogs. And what Blogging To The Bank does so well in order to rapidly grow its client list is they deliver on what they promise in their product. Three unique features set Blogging To The Bank aside from their nearest competition. These three important and unique f...[Read More]

Insider’s Guide to Getting a Job in Manchester

Manchester is one of the up-and-coming cities of the UK. The Greater Manchester area has been growing steadily since 2007 and is one of the areas of the UK that has recovered most quickly from the credit crunch recession. It is the second largest functional financial region outside of London and shows a growth rate of almost twice that of the majority of UK urban areas. The expansion has been fuelled by large scale investment in services industries, particularly the financial sector. Some of the major businesses with offices and large employee bases in the Manchester region are Vodafone, the BBC, Thomas Cook, the Guardian, Kellogs, ITV and the heinous internet ogre Google. Between them, they provide a wealth of job opportunities, however, the appeal of Manchester to job seekers is that the...[Read More]

Ways To Start Your Own Digital Photographic Business – Part Two

Want to make money with digital photography? Want your own Photographic Business? Its not just wedding photography, read on to find out other ways to make money and start your own business in the exciting world of Photography! Here is a list of the 10, with an outline of the type of business that can be made. Your own digital, photography based, home business could start here … * Matchbooks. Weddings, parties, birthdays, firework parties, barbecue supplies. Here are a small sample of markets you could approach with this product. Or add to your ever growing lists of personalized items. I know people do not smoke in restaurants, bars and the like anymore, but a book of matches for people to take outside and home, is a great marketing tool for a lot of businesses. * Memo Pads. Memo pads...[Read More]

The Benefits of Stereo Microscopes

Many people have trouble keeping one eye closed while peering through a microscope lens with the other eye. A stereo microscope eliminates the need to close one eye because it has two eyepieces. Stereo Microscopes have all of the features of conventional microscopes with some added advantages. First of all, stereo microscopes have two eyepieces. They allow for greater depth perception, allowing viewers to see objects in three dimensions. Many stereo microscopes have a zoom lens feature, and it is not uncommon to find a stereo microscope with two illuminators. A stereo microscope has two eyepieces. This is a major advantage over conventional microscopes. The two eyepieces allow viewers to keep both eyes open, making it easier to focus on the object they are looking at. Many stereo microscop...[Read More]

Salehoo Wholesale Dropshipping – Advantage & Disadvantages of Paying For a Salehoo Membership

If you are still wondering why the industry of online business continues to have a growing number of sellers, this may be attributed to the fact that there is also a steady rise of increase of people who are able to close wholesale dropshipping deals. In a nutshell, wholesale dropshipping means buying chosen products from wholesale suppliers at the best wholesale rate, then commission the dropshippers to take care of the delivery and shipping details. Here you see why there is a great potential in terms of consistent expansion, because there is considerably less overhead expense and less work for the sellers to do. This gives wholesale dropshipping a picture of less cost, which generate higher profits with most business ease for the sellers. However, access to a credible list of wholesale ...[Read More]

Most Popular Christmas Toys For 2008

Top 12 Gifts For Christmas 2008 “It has been a challenging year for all businesses, but as a retailer I am delighted to see innovation continuing to come through. Even in an economic downturn, children still need exciting, good value toys to entertain and inspire their creativity.” The toys predicted to dominate children’s Christmas lists this year are set to ignite dreams of stage and screen fame, says the Toy Retailers Association (TRA) today. The TRA’s annual ‘Dream Toys’ list, the only official prediction of Christmas bestsellers, reveals a trend towards music, film and TV inspired toys to indulge fame fantasies from the next generation of rockstars and screen heroes. Plenty of old favourites also make a comeback this year, reflecting the nation̵...[Read More]

A Tale of Two Invoices

In quite long thread on the social networking site “linked in” recently, one individual suggested that sending out invoices was a necessary and rather mundane part of doing business and, as long as it was done efficiently, how it was approached (on or off line) made very little difference to the bottom line-perhaps only a few pounds sterling (or any other currency internationally) for a small business. In this article, let’s test that assumption by looking at what time and cost is involved in sending out invoices physically (which for our purposes here includes emailing them as attachments which are then printed) and sending them out electronically with a full digital bill/invoice presentment solution. A full digital invoice solution is one in which a bill is “click...[Read More]

What Are the Advantages of Using Forex Robots?

For those who would like the financial benefits of Forex trading but do not necessarily have the time to take full advantage of it, there are now online automated Forex robots which can do all the hard work for you. There are several online providers delivering this kind of service, and here are some of the top reasons that you might consider this option for yourself. Firstly, it should be explained what exactly automated Forex robots are. These are basically computer programs that scan the market and make calculations about when is the best time to trade and in what currency. They basically do all the hard work and everything for you so that you do not have to. This leads to the first advantage, and that is that they can make better decisions as they have much more information available t...[Read More]

How to Use Email Marketing to Drive More Traffic to Your Ecommerce Website and Boost Sales

Email marketing is a relatively cheap and effective way to boost traffic to your website and also increase sales. While there are many ways to market your ecommerce website, email marketing affords you the ability to build a relationship with your customer base as well as present opportunities for them to buy the products you’re sell. Below I would like to show you how to maximize the power of this form of marketing and use it to ultimately boost sales on your website. 1. Capture Names and Emails There is a popular saying the internet market community that says ‘the money is in the list.’ This rings so true I believe for any business with its main source of sales coming from a website. There are 2 popular services that allow you to capture the name and email of every visi...[Read More]

Do not Give Up Your Gold

Gold is not dead. Just ask Germany. Germany's Bundesbank recently announced that it finished its transfer of $ 13 billion in gold bars that had been stored in vaults under Lower Manhattan, bringing the metal back home again. The country had started repatriating its gold in 2013 with the goal of storing 50% of its reserves in Frankfurt once again. When the gold transfer is complete, Germany will have removed all the gold it stored in Paris, left behind only 13% of its reserves in London and approximately one-third of its reserves in New York. With the rise of cryptocurrencies – such as bitcoin – and digital cash, such as PayPal, Apple Pay and other apps, there has been a steady drop in the use of physical cash, making the yellow metal feel downright archaic. But gold holds a...[Read More]

How to Address Salary As Part of the Hiring Process

Let’s face it. Most nonprofits are notorious for not paying high salaries in comparison to their for-profit peers. Recently, there’s been a movement, which has the support of some state legislatures to make it illegal for employers to ask for salary history. Prospective employees also feel especially many in the nonprofit sector which is notorious for paying below market wages, that they lose any standing in any negotiations. Candidates also feel it’s an invasion of their privacy. Why has salary history become an issue? Technology: Technology has created a situation where applicants are “forced” in online applications to reveal their pay history. In turn, employers have been able to screen out people based on that criteria alone–regardless if someone can...[Read More]