Financial Times Backs Morocco For Investment
An article in The Financial Times by Heba Saleh recently recognised that Morocco’s economy is remarkably immune from the economic challenges facing many other countries around the world. There is solid evidence to show it is maintaining economic stability in the face of the global credit crisis.
“The numbers in 2008 are certainly showing the very great resilience of the Moroccan economy in the context of international turmoil.” said Frances Clottes, head of the World Bank in Morocco. Despite the continuing reliance on agriculture for employment, increased revenue has come from tourism and corporate tax receipts – which rose 70% due to the higher level of investment in the country.
The most notable overseas investment has come from Renault, which is putting $1 billion into a new manufacturing plant adjacent to the new Tangier Med Port inside the Free Trade Zone. When complete the Port alone will generate around 100,000 new jobs and will be the largest such facility in the Mediterranean. The deal on its own is significant but ambitious locals are seeking to use this recognition by an internationally respected corporation to attract many other companies to the area, especially those in the aeronautical and automotive industries.
Morocco’s economic stability and the attraction of the Free Trade Zone in Tangier look likely to attract significant levels of further investment. All analysts foresee continuing high demand for property as the wealth created spreads through the Moroccan professional classes and expat professionals look for “western standard” accommodation.
Contact or visit www.moroccoproperties.net today.
ICT in Financial Inclusion, Taxation, Excise and Finance – Abhishek Sinha
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Please also visit FIPS(“Financial Inclusion & Payment System”) fips.eletsonline.com
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Elets provides an unmatched versatility for working with multiple partners and consultants to mutually share knowledge. With a vision to provide effective information on latest development in different ICT tools, techniques and their applications across various verticals with focused reference to governance, education and health, we
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[Top]Two Reasons Financial Institutions Rely On Online Technology
One of them is security and the other is speed and efficiency. If you are a financial institution looking to provide your clients with fast and secure loans as well as keep up with competition and technology, look to automated loan origination systems as the new business management tool for your answer.
Automated decisioning is defined as a business management model that allows an organization to not only manage their organization but allow an organization to manage their processes while improving business operations and in turn not have to overly rely on IT departments.
A account origination is one way for a financial business to leap over stacks and stacks of paper and post it notes and use an automated system to instantly find out, while a customer is either in front of them, on the phone or currently on chat whether or not they qualify for a loan without waiting days to first check their credit score, their current debt, their income or whether they would remotely qualify.
Instead of wasting their time and yours going back and forth to different lending houses to see who would be able to give them a loan and at the best rate, this works out great for mortgage loan lenders, auto lenders and other financial institutions looking to increase workflow and keep tight security and provide their customers with a good service.
Business process management with technology produces results like a loan origination system, often in the form of loan origination software vastly speeding up the loan process. The system goes through a list of check lists before a loan is completed, checking a potential clients credit report, interest rates of different financial lenders and a persons financial history and then, close to instantly, a loan origination system can provide a detailed report about each area of the loan process. The idea that a loan could be sorted out in less than a day use to seem impossible, now it take seconds.
With todays modern designs for loan origination systems, loan offices are able to interact and have control of the system enabling them to submit loan applications, underwrite, review decisions manually and create closing documents.
Increase your financial businesss workflow today with a business process management system. Your customers and your office will appreciate the seamless operation only instant loan origination systems with the internet can provide.
[Top]Advantages Of Certified Financial Planner Designation
Certified financial planner designation is a sophisticated certification for professionals in the field of financial investment and financial planning education. The curriculum for cfp certified financial planner is usually comprised of three levels of exam that assess almost your every level of learning. It requires lot of moral values and hard work within you it needs self-study too. The cfp certified financial planner who is entering into the field need to maintain high level of time management and competency.
The certified courses offered by financial planning education institutes are globally accepted from a long ago and they provide quite rich advantage of certified financial planner designation. Certified financial planner designation is considered as the highest degree amongst professional designations in the field of financial planning education. The certified financial planner designation is advantageous for both the cfp certified financial planner and the institute as well. The financial planning education course provides advantage in several ways to the institute such as curriculum, the standards and recognition and the competencies.
A certified financial planner designation helps people to select the best financial program and guides them to select the best investment and planning tool for the best allocation of their possessions. A skilled professional can sell the financial products well and can help the business to catch the attention of the major amount of customers.
There are numerous advantages of being cfp certified financial planner; some of the advantages are discussed below:
Cfp certified financial planner has global and highly competitive edge for employment in financial planning education industry. The institutes would always want to hold on their cfp certified financial planner as in recession it becomes very hard to re hire highly competent and experienced certified financial planner designation. The cfp certified financial planner has high level of competency and skills because of the extensively practical curriculum. Because of the wide spread network of certified planning education, even a common individual now has access to state-of-the-art information regarding financial markets across the world.
The cfp certified financial planner has extreme level of financial planning education, experience and ethics. The professional standards make the reach of certified financial planner designation more advanced and conspicuous. A cfp certified financial planner is not only taught technical education but he has also been thoroughly taken through extensive ethical and leadership trainings, which is needed to take an organization towards the high edges.
As the cfp certified financial planner has been taken though high valued ethics and professional conduct, he/she would get along with your customer is quite good manner. Their behavior will attract more customers towards your business and hiring certified financial planner designation will act as advantageous tool for your marketing campaign.
Many of the big investment banks and financial service providers choose to employ certified financial planner designation in order to have highly skilled and educated professionals working for them and dealing with their customers. The cfp certified financial planner works at ground level with public and help you attract more amount of potential customers.
Hire the cfp certified financial planner for dealing with your customers and conducting the effective marketing campaign and enjoy the advantage of certified financial planner designation. You will get state of the art professional skills for your business if you will hire cfp certified financial planner for your business.
The certified financial planner designation is always motivated to serve the clients with high proficiency and provide the best financial advice and financial guidance. Many financial advisors sell the insurance and financial products, but a highly cfp certified financial planner adds extra value in selling of your securities. For more information visit http://www.financialplannerprogram.com
Tithing Under The New Covenant – Part 2
Tithing is mentioned only 4 times in the New Testament, three times in the gospels and once in the letter to the Hebrews. In the gospels, Jesus acknowledged that the Pharisees were very careful about tithing (Matt.23:23; Lk.11:42; 18:12) to the point of over-emphasizing it. They were so focused on tithing that they lost sight of the great goal of the Law, i.e. love and justice to our fellow-man. Also, they trusted in their tithing to give them merit before God.
Now remember that the Pharisees were under the Law, and by law had to tithe. All people in Israel were under the Law. When Jesus was crucified He ushered in the New Covenant, and the Old was finished. Tithing was established under the Law and has no place in the Church. It is no light thing to choose to adhere to the Law, even with a seemingly small issue as tithing. Every person who chooses to keep any part of the Law of Moses is obligated to keep the whole Law and is therefore exposed to its curse.
This point is made in the solitary reference to tithing in the New Testament epistles, i.e. in Hebrews 7. Heb.7:5 reads “And indeed those who are of the sons of Levi, who receive the priesthood, have a commandment to receive tithes from the people according to the law, that is, from their brethren [Israel]. Note three things from this verse: 1) There was a commandment concerning tithes in the Old Testament; 2) They were to be given to OT priests (not the Church); 3) They were required by the Jews, not Christians.
Hebrews 7:12 notes that when there is a change of the priesthood, there must also be a change of the law. In other words, that commandment that did exist under the Old Covenant has been changed, because the priesthood to which it related has now also been changed under the New Covenant.
Hebrews 7:18 says that this commandment has now been abolished. That priesthood, because of its inability to bring perfection, is now annulled. The Old Covenant is obsolete, and the laws which required tithes to be given to the Levites are obsolete. These Hebrews, i.e. Jewish converts, were mixing the law with grace, and were told in chapter 7 to stop tithing! The Gentiles had no need of this message. The Gentile church was never under the law.
Is God in our debt, or are we in His favour?
In Rom.4:4 and 11:35 Paul makes it clear that if our doing any works, including tithing, meant that God was obligated to us in any way then we would not be in His favour but He would actually be indebted to us. Whenever you hear that you must do something for God in order for Him to bless you, be careful! If you believe this, you will be taken out of Gods grace and brought back into the realm of Law. And the Law will actually become a curse to you, because even if you keep it all in one area, say tithing, but not in another, then you will experience its curse.
If we do not tithe, how will Gods work get done and how will the pastors needs be supplied?
First, let me say that there is a hermeneutical principle that has always been helpful when interpreting the Bible and it is this – Major on majors. Jesus told 38 parables, 16 concern how we should handle money. He spoke more about money than He did about heaven and hell combined. One out of 10 verses in the gospels deal with possessions or money. In the Bible there are approximately 2500 references to money and possessions and only 500 references to prayer and faith. It is a major issue in the Bible. Many of these verses teach us that the way we handle finances reveals much about where we are at spiritually. Where your treasure is there will your heart be also.
The gospels contain more warning on the misuse of money, than any other subject. The first recorded sin amongst Gods people related to giving. Ananias & Sapphira dropped dead giving. So the way we handle our finances is an important issue in the New Testament.
Moses (the Law) said Tithe, but Jesus says, Give. The New Testament teaching was on giving, never on tithing. Giving is a result of the energy of Gods grace in our lives. Giving expresses a quality of living that reflects the nature of God. God so loved that He gave The Father loved to give all things to the Son. Jesus gave His life for the world. In doing so has gained an everlasting kingdom. But He will, one day, give it back to the Father. God desires to have a family that reflects His nature. It is the way of the Cross. It is more blessed to give than to receive. The Cross opens the heart, expands it, causing it to reach out to others.
When we are under law we have to be told to tithe. We reveal our immaturity under legalism by asking childish questions, such as, Should I tithe on my gross income, or my net income? Grace treats us as mature sons by not legislating. Grace takes us into the purposes of Gods heart, family and kingdom and allows us to be involved with Him. But our involvement is not solicited by fear-manipulation or guilt-manipulation, but as a result of the operation of the energy of grace in our hearts. So that which we give we do so freely. God loves a cheerful giver.
It is clear from passages such as 1 Cor.9:7-14 that we have responsibilities to ensure that Gods servants who preach the Word are free to do so unencumbered by secular work. But still there is no legislating this. We approach this matter as responsible sons, not as intimidated servants.
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