Changing Landscape of Financial System
Changing Landscape of Financial System Ajay Singh Chief Executive Officer Forbes Technosys Ltd
-The Forbes platforms is highly efficient can be readily linked with the Aadhaar Enabled Payment System,- says Ajay Singh. In Conversation with Mohd Ujaley.
You have a strong focus on BFSI sector. How do you look at some of the key flagship programmes of the government such as Direct Benefit Transfer (DBT) and MNREGA? Forbes Technosys Ltd has a wide range of solutions for BFSI sector, all of which are designed with latest technology and by ensuring security standards that are in line with the changing landscape of banking and financial systems. To facilitate the cause of Financial Inclusion, MNREGA and DBT, we have developed an entire range of both centralised and doorstep delivery solutions, which can be utilised depending upon the requirements of the government, and the accessibility related factors in the remote areas. Forbes has installed centralised delivery solutions, which aim to provide solar energy to the rural areas and also provide wide range of banking and other services. A large number of other government schemes can also be linked through these solutions, thereby increasing the viability of these solutions. We are also delivering doorstep solutions which are specially designed for use by BCs in remote areas to provide basic banking services. To increase the scalability of Forbes Solution range, all the Forbes platforms have been provided with multifactor authentication systems, which can be readily linked with the Aadhaar Enabled Payment System (AEPS).
You have been working for the government for quite some time now. How has been your experience? Other than BFSI domain, we are catering to sectors like power and telecom. We have deployed self service bill payment kiosks in almost all the major power utilities and telecom companies.More than `1000 Crores is being collected annually through our systems. Forbes Technosys has Government (DGS&D) certified information kiosks and various G2C (Government to Citizen) kiosks, which are deployed at various Municipal Corporation and Government departments like Tourism, etc. Our ATVM (Automatic Ticket Vending Machines) and POET (Passenger Operated Enquiry Terminals) machines are active in majority of metro railway stations. Forbes Technosys has developed Enterprise Mobility solutions and Canteen Management applications. We cater to many PSUs, which have large employee base. We have also developed HR leave management solutions and tourism kiosk. These kiosks can act as point of information and action for employees of those organisations and also for the visitors. Forbes has also developed cash and cheque collection solutions for insurance companies, and tax departments. For environmental awareness, Forbes also has developed Carbon Footprint Kiosks, which are placed at various government institutions, thereby offering a unique experience to visitor, for calculating his Carbon footprint and making him aware for reducing these. We have developed self-service solutions, through which citizens can interact with the government departments.
In order to facilitate financial inclusion of people from remote areas across the country, government has developed the plan to introduce micro-ATM and Business Correspondents. Do you see this space as a business opportunity? As a first step towards driving these unbanked masses into the banking stream government is looking for various initiatives like micro-ATM, Business Correspondents, etc. This is indeed a noble initiative and it will help in bringing more transparency in the way financial subsidies are managed. However, the system has its own constraints. In my opinion, the best possible way to check leakages and ensure safety of the payment system is through Electronic Cash Transfer. In this case the beneficiary gets access to his entitlement only after authenticating himself through the Aadhaar Enabled Payment System.
Aadhaar is indeed a revolutionary step forward, however de-duplication of the data seems to be the biggest challenge. What is the best way forward? The data captured through the Aadhaar System should be linked with different government organisations like banks, NIC, Police department, Municipal Corporation, RTO etc., for maximum advantage. The data captured should be fragmented and disseminated to the involved government departments. The government should also promote and deploy self service platforms and solutions, which are based on biometric authentication along with user account details, this will certainly lead to more efficiency and transparency.
Importance Of Senior Citizens Care & Assistance
Seniors have it more difficult than other groups. While young people may suffer financially, they can at least get a job. For a senior, jobs are often out of the question. You basically have to live on what you have and that it.
Every health facility wants to hire nurses with a certified degree no matter for which nursing jobs they are applying for. Nursing assistant jobs are not very difficult to find in the US because their demand has increased considerably in the past decade. All you have to do is decide what exactly you want to do and you can apply for a course which at the most takes one or two years.
Studies have shown that seniors those are helped or get senior citizens assistance are happier and live longer than others who live alone or with estranged families. It is a simple truth that when you have attentive care and pleasant company you tend to overcome the pitfalls of aging more successfully.
For those who have been independent most of their lives the idea of assisted living and senior citizens assistance may take some getting used to but there is a far greater alternative that can give the senior more of an outlet to enjoy their lives while still maintaining their independence with a little help.
As we age, the tasks associated with daily living become more onerous. This has resulted in the creation of a variety of living options for seniors that reduce some of that burden. Assisted living is one such option, one that is becoming very popular these days.
These senior citizens assistance communities typically offer meal service, housekeeping, social activities, medication assistance, and transportation for medical appointments and other pleasure trips for seniors.
Many senior citizens or people with disabilities or injuries make use of assisted technology-tools, products, or kinds of equipment that help people perform tasks and activities.
An assisted living facility needs to be considered when an elder loved one is unable to take care of themselves in their activities of daily living (ADLs). A nursing home is a practical option when other attempts to safely maintain your elder loved one at home have been exhausted.
One of the benefits of AL is that it takes care of many of the needs of seniors, while still giving them a sense of freedom. They help prepare meals, assist with medication dispensing, do periodic housekeeping, and even help manage the finances of the elderly.
Aging is not fun for anyone, but you can make the process better and help senior citizens by planning for providing senior citizens assistance and donate to senior citizens.
[Top]Sade Sati Sade Sathi Saturn Sade Sati Astrobeacon
Sade Sati Sade Sati is the 7 1/2 year long period of planet Saturn, when Saturn transit the twelfth, first and second houses from one’s moon chart (the position of moon in zodiac sign of a person at the time of birth is called his/ her moon sign). The believers in astrology considered Sade Sati the most terrible period. Saturn takes thirty years to make one round of the Zodiac hence 2.5 years in each sign x 3 = 7.5 years.
Sade Sati Effects
First 2.5 Years of Sade Sati (Dhayya) The transit of Saturn 12th house from moon, the wicked results may be felt more from the parents or near relations. During this period you may experience the decline in financial matters by raising the plentiful expenses. Due to seventh aspect on sixth house, consequently you may be in debts. Lastly due to tenth aspect on ninth house, General fortune may bring down and may cause hindrance to the father.
Second 2.5 Years of Sade Sati (Dhayya) In this period Saturn transits 1st house from moon, it have an effect on the person himself in domestic due to seventh aspect on seventh house and skilled pastures due to tenth aspect on tenth house. Staying in the first house it indicates sick health, can result in Weak financial position, parting from family, lose friends, rising in plentiful expenses non-fulfill the promises, embarrassment, loss of self-assurance and self-esteem. These results can happen only when Saturn is stand-in as malefic in one’s chart as enlightened above. Only few a person experience Sade Satti may suffer all these results. For majority, there may be mixed results only.
Third 2.5 Years of Sade Sati (Dhayya) In this period Saturn transits second house from Moon, It have an effect on health, children and May even death if it is faced in old age. Due to the 8th house aspect, it may cause monitory Loss, rising in plentiful expenses, sick health, and despondent family life. Due to aspect on 4th house mental stress, financial loss, increase in rivals, physical agony, clashes in relationship and acquaintances, lots of sorrows.
During this period people experience some stresses and troubles but it is nothing to be scared about. Almost every person has to face at least 2 Sade Satis’ in his life. Sade sati differ from person to person depending on the planetary position in ones’ birth chart still while giving some troubles and strains, it doesn’t refute you achievement.
Unluckily astrologers take no notice of the constructive side of Saturn and project it only as a wicked planet.
All types of terrible results are predicted by the astrologers to fright the people and with the exception of living under fright; people spend a lot of money on all types of remedies.
SADE SATTI REMEDIES There are plenty of remedies for Sade Sati; the most effective is to donate in charity on every Saturday during this period. Second one is to keep talisman of Saturn that can be made only at the time of exaltation of planet Saturn (This time comes once after every 30 years when Saturn is at 23 Degree in Libra).
According to the western astrology Saturn was exalted last year in the month of November in Libra. Numbers of astrologers has made this talisman during this specified period of time. This is a golden period of time for those who are facing Sade sati or bad affects of planet Saturn in their birth chart.
Note:- As astrologers of Astrobeacon.com has made Talisman of Saturn in that specified period to serve the effected people of planet Saturn. You can ask us for the same and also for free Sade Sati report.
Astrobeacon, providing free astrology services, free birth chart readings, gemstone consultancy, health and medical solution
[Top]Building Passive Income With The Prophetmax Program
Creating hands free passive income so you can retire early, buy a house on the beach and live your dream lifestyle is something that everyone wants but less than 2% of the population actually ever achieves.
ProphetMax was created by Senen Pousa to help average people create passive income and finally achieve that elusive dream lifestyle.
Having monthly and residual passive income flooding into your bank account while you hang out on the beach sounds great but the question is does Senen Pousa’s ProphetMax program actually deliver results?
Literally dozens of wealth building programs promising to deliver passive income pop onto the internet daily and the majority of them simply fail to deliver. After the urging of a few of my investment partners I decided to take a deeper look into ProphetMax. Here’s what I discovered.
ProphetMax targets a 100% annual return on investments through Forex and various trading systems. The program’s goal is to enable each member to create a full time passive income within 3-5 years. However, high return investments are not the only focus of ProphetMax. The program is built to also deliver a quality financial education with strong emphasis on wealth building and personal development.
ProphetMax achieves this for its members by taking you through 4 different levels of financial education, wealth building and personal development with each level targeting a different area of wealth creation
ProphetMax Level 1
In level 1 you set your Target Passive Income (TPI) and develop a step by step plan of action. Level 1 is very intense. There are actually 13 different lessons with 5 steps in each lesson you must complete before you are allowed to proceed to the next level. In level one you’ll get really clear on where you currently are financially with a specific target and action plan to get your dream lifestyle within 3-5 years.
What’s amazing about level one are the KPI’s (Key Performance Indicators) that actually show you a very professional visual graph of your action plan. Mapping your target passive income out visually allows you to clearly focus on and attack your goals.
ProphetMax Level 2
Level 2 is where the personal development and mindset training kicks in. You’ll discover how to think like the rich and increase your comfort zone with abundance and wealth. Your mindset and having a prosperity conscience is probably the most overlooked but most crucial part of building wealth. You’ll never become a millionaire unless you learn to think like one. ProphetMax teaches you how to develop a wealthy mindset. This is what makes ProphetMax completely different from any other financial and investment trading program.
ProphetMax Level 3
This is where the action and magic happens. Level 3 is where you actually start creating passive income. There are several automated trading systems and professional traders that provide you with proprietary trading signals.
You simply follow the trading signals provided by professional traders. You do not need to know how to trade yourself. Your only job is to follow the recommended trades or you can have them executed automatically through your brokerage account.
This literally takes less than 10 minutes per day. There are also weekly webinars and detailed reports for tracking the ProphetMax trading system’s results. With detailed tracking you’re able to accurately fine tune and perfect your performance so you stay on the fast track to creating a fulltime passive income.
ProphetMax Level 4
Level 4 opens up various institutional grade investments and private placements which are not available to the public or any ProphetMax member who has not progressed past level 3. This is the kind of closely guarded financial information normally reserved for the ultra-wealthy. You’ll actually have to join the program and progress through level 3 to receive access to the wealth building strategies in level 4.
So Does ProphetMax Actually Deliver Results?
When it comes to passive income and building wealth there is no “magic system”. There is no “holy grail” money making formula. If you’re looking to get rich overnight you’ll be disappointed with ProphetMax. The system targets 100% annual returns with a 3-5 year plan to creating a full time passive income.
[Top]Loans for unemployed an affirmative financial provision
Without the necessary job and being unemployed for quite some time, your financial stability does get affected. In fact, under these conditions, you will never be in a position to deal with your needs and demands. Even arranging the funds through other alternatives seem to be impossible. Of course, you will have to look for ways to raise the funds, but for the same, you can no way rely upon the regular loans. Instead, you can opt for the provision of loans for unemployed, which has been designed solely to assist you overcome temporary financial crisis.
The loans can be utilized to deal with your every conceivable need and requirement. These loans are easy to derive, provided you do meet the requirements, which are listed below:-
Should be a permanent resident of UK Age should be at least 18 years Need to have a valid checking account
With the support of these loans, you will be in a position to tackle expenses on needs such as consolidating debts, educational purposes, going for a vacation, starting a new business, wedding, home renovation and so forth.
When it comes to availing these loans, you can either choose the secured option or go for the unsecured option. Secured option of the loans are asset based and can be utilized to source a bigger amount. The repayment tenure is long and owing to the presence of collateral, the interest rate charged is comparatively low. On the other hand, the unsecured option of the loans can be acquired, without the need of involving any collateral. This option of the loans is ideal to borrow a limited amount. Even applicants such as tenants and non homeowners too can go for this option.
Those with bad credit such as CCJ, IVA, arrears and defaults too have a chance to avail these loans, albeit under different terms and conditions.
If in case you want to avail these loans with relative ease and that too without wasting much of your precious time in formalities, then you can make use of the online mode.
Loans for the unemployed allows you to realize your financial needs, even when the conditions are not that suitable.
Andrew Epand is a professional guru and has been commerce with different finance programs. If you want to know further about loans for the unemployed, cash loans, bad credit loans, payday loans, no credit check loans, same day loans, cosmetic surgery loans, loans for unemployed,logbook loans you can on visit http://www.needloans.org.uk
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