better still you can call my number its real our firm is recruiting

dozieprosper:
have you filled yoiur boi data form and upload of cv?

have you filled yoiur boi data form and upload of cv?

Emaimo:


I'm done with the registration. What's the next step?

Are you a graduate and tired of staying at home? Kindly visit the following career portal http://www.conceptgroup-ng.com/portal and give me a call when you have successfully finished your registration or having any difficulty.

Check out our high yield of investment with Rosabon cant be better than investing with Rosabon contact me for more information.

TREASURY BILL AND FIXED DEPOSIT WISH IS PREFERABLE

Who borrows from you?

When you buy treasury bills you are basically lending money to the government (through the CBN) with a promise to pay back over 91 days, 182 days or 364 days. With Fixed deposit however, you are lending money to a bank or investment house to repay you at the expiration of the tenor (usually between one to twelve months) If you do not like to lend money to the Government then Fixed deposit is better.
What is the risk?
Fixed deposits are backed by the credit rating of the bank or financial institutions. Unlike when you borrow from the bank, the bank does not give you any collateral when it borrows from you. However, it is obligated to pay you your interest and principal when it is due.
How do I get paid interests?
Some bank pay you interest at the end of the period along with the principal. Some also pay interest upfront depending on what you negotiate. Interests on Treasury Bills are paid upfront only and pays your principal at the end of the tenor.
Fixed deposits can be rolled over by banks. You simply instruct your bank to roll over the interest and principal when it matures giving you the benefit of compounding interest. It’s also a default way of saving and investing all rolled up in one. Treasury bills can’t be rolled over by default. Once the investment matures the CBN pays the money straight into your bank account.
If you are therefore looking for an investment you can roll over with ease, I suggest you go for Fixed deposits then.
Can I get my cash anytime I want?
You can get your cash anytime you want with Fixed Deposits by liquidating your account ahead of its maturity. All you need to do is to tell your bankers or investment house that you wish to cash in on your deposits. They will however, pay you interest for the period that the money was with them instead of the full tenor if you had waited till maturity. You may also incur an early withdrawal charge.
Treasury Bills on the other hand are not as flexible as fixed deposits. If you wish to cash in on your treasury bills ahead of its scheduled tenor, you will have to sell the rights to the treasury bills to the bank or to a willing buyer. The buyer will deduct the portion of the interest remaining for the period between when you terminated the investment and when it matures from your principal.
So basically, you can collect you cash in both instances except that it is perhaps faster and easier with banks or financial institutions.

Rogersmith:
I have 1.2m to invest in any legit business that is profitable. I'm planning of resigning from where I'm working presently to start business by the end of next month. Your inputs are highly welcome. Thanks.

if really you have such amount my best advice for you is to fixed deposit the money in my organisation, you can also contact me.

Difference Between Investment Bank and Commercial Bank

Based on the work performed by the banks, the financial industry is bifurcated into two major segments i.e. investment bank and commercial bank. While the former, is set up for the purpose of concluding commercial transactions, the latter is established to offer services to investors. People often get confused between these two banks and use them interchangeably. There exists a thin line of difference between investment bank and commercial bank, which is presented in this article in detail. Have a look.


Difference Between Investment Bank and Commercial Bank

the work performed by the banks, the financial industry is bifurcated into two major segments i.e. investment bank and commercial bank. While the former, is set up for the purpose of concluding commercial transactions, the latter is established to offer services to investors. People often get confused between these two banks and use them interchangeably. There exists a thin line of difference between investment bank and commercial bank, which is presented in this article in detail. Have a look.


Comparison Chart

BASIS FOR COMPARISON INVESTMENT BANK COMMERCIAL BANK
Meaning Investment bank refers to a financial institution, that offers services like underwriting of securities, brokerage services and so on. Commercial bank is a bank that provides services like accepting deposits, lending money, payment on standing order and many more.
Offers Customer specific service Standardized service
Associated with Performance of financial market. Nation's economic growth and demand for credit
Customer base Few hundreds only Millions
Banker to Individuals, government and corporations. All citizens
Income Fees, commissions or profit on trading activities. Fees and interest income


Definition of Investment Bank

The term investment bank is used to define a financial institution that performs intricate financial transactions. These banks links the big corporations with the investors. The banks serve its customers in a number of ways like assisting government and corporations in issuing securities, helping the investors in buying stocks, bonds, etc. providing advisory services and so on.

The banks generate its income by charging fees for its advisory services. Further, the bank’s trading business is subject to profit or loss. These banks play a crucial role in aiding companies or government to take well planned decisions and raise funds easily. The services provided by an investment bank are given as under:

Underwriting of securities
Raising of capital
Asset management
Wealth management
Advisory services
Merger and Acquisitions
Assisting companies in making an Initial Public Offer (IPO)
Definition of Commercial Bank

The term commercial bank refers to an establishment which is engaged in providing banking and financial services to the public at large. In earlier times, there was no such institution where people can deposit their money safely or take loans. So they used to go to money sharks to borrow funds and they deposit their money in the post offices. Later on, banks are being developed that works as a banker to all the citizens of the country.

Commercial banks are owned publicly or privately or by the combination of the two. The banks help in the mobilizations of savings across the economy. It is governed by the Banking Regulation Act of India, 1949.

The banks accept deposits from the citizens of the country at a nominal interest rate and use that money in extending credit to other customers (borrowers), charging a higher rate of interest from them. In this way, commercial banks makes its income from the left over amount of interest. In addition to this, one of the major source of bank’s income is the fees charged by them for offering various services to the public. The diverse range of services provided by the commercial banks are:

Accepting deposits
Advancing loans
Overdraft and cash credit facility
Payment on standing instructions
Withdrawal of money on demand
Collection of bills and promissory notes
Trading in shares and debentures on behalf of customer
Locker facility
ATM card, Debit Card, Credit Card facility
Mobile banking
Internet banking

Key Differences Between Investment Bank and Commercial Bank

The basic difference between investment bank and commercial bank are indicated below:

A financial intermediary set up to provide investment and advisory services to the companies, is known as an investment bank. Commercial Bank is a bank established to provide banking services to the general public.
Investment bank offers customer specific service whereas commercial bank offers standardized services.
The customer base of a commercial bank is comparatively higher than an investment bank.
The investment bank is related to the performance of the stock market while economic growth and the credit demand affect the rate of interest charged by the commercial bank.
The investment bank is a banker to individual, government, corporations, etc. On the other hand, commercial bank is a banker to all the citizens of the country.
The investment bank generates its income from fees and commission. Unlike Commercial bank, which generates income from interest and fees.

Conclusion

The basic difference between these two financial intermediaries is the audience they cater to as well as their area of business. While commercial banks serve all the citizens of the country and its main business is to accept deposits and grant loans. Investment banks deals in securities and so its primary activity is to trade in financial assets and provide advisory services.

then check out my signature and give me a call got good investment ideas were you can get 12% interest

A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. It is a safer investment option when compared to other investment types such as shares or the money market.
Do you know that one of the easier ways of making your money work for you is by investing in a fixed deposit account? A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period.

It is a safer investment option when compared to other investment types such as shares or the money market. Opening a fixed deposit account is both quick and easy and all you have to do is to deposit money into the account for a given period of time, for it to earn interest for you.

Below are reasons why you should open a fixed deposit account today:

1. It encourages a savings habit as the money you deposit needs to be in the account for a period of time without you making any withdrawal.

2. Investing in a fixed deposit account earns you a higher interest rate than depositing your money in a savings account.

3. You are assured of returns for your investment

4. The account helps to act as a fall back for your business in the event of a cash flow squeeze or can be used to meet your future cash requirements.

5. Interest is payable at maturity; annually or monthly depending on the term you chose or you could use the money to buy assets if you want.

6. You get to choose how long you want to invest your money in a fixed deposit account ranging from 30 days to ten years.

7. You can choose to have more than one fixed deposit account if you want to save for different goals.
WONT YOU RATHER INVEST WITH US AT ROSABON FINANCIAL SERVICES?

I have 5000000 that I need to invest but I want to make more than the bank is offering. Where can get a high return on a short-term investment with limited risk?
This exact question was asked of me just the other day.best short term investments

You would be surprised how often I get asked something similar. It has definitely been more times than I can count!

We’re in an eventful time where the stock market is behaving like a schizophrenic and interest rates are at record lows – again. (I’ve refinanced my house twice!)

Low mortgage rates are great, but how do you actually make money fast in the short-term?

In such an unstable market, short term investing may be a safer alternative for investors. Short-term investing allows investors to invest their money, whether that be investing 5 0000 or investing 100000, with little or no risk, while knowing their money is not going to be tied up for long periods of time.

The typical short-term investment is expected to grow for several months, or a few years, and can be turned into cash or other short term investments when they reach maturity. (In the investing world, “long term” investments are really long term — often decades — which leaves room for short-term investments that can still last several years.)

Before I share the best short-term investments for your money, I first want to share where not to put your money: the stock market.
This can mean individual stocks, mutual funds, ETF’s – whatever. If you know you need the money back in the short-term, the stock market is the last place you need to be.

Even if you think the market is down or your eyeballing a stock that has recently spiked lower than usual – it’s not worth it.

Too much can happen in the short-term that can wipe out your principal with little time recover.
At Rosabon you get the best short term invest with high interst rate try us today

There are many business to invest on most FD

owolincoln:
I am a young investor willing to inject some money into your business. You have the time and expertise, I don't have that time and your knowledge. Come up and let's talk. Walk through the dragon's den and come out a big boy..

Financial Services Meaning & Importance

Financial service is part of financial system that provides different types of finance through various credit instruments, financial products and services.

In financial instruments, we come across cheques, bills, promissory notes, debt instruments, letter of credit, etc.

In financial products, we come across different types of mutual funds. extending various types of investment opportunities.

In services we have leasing, factoring, hire purchase finance etc., through which various types of assets can be acquired either for ownership or on lease. There are different types of leases as well as factoring too.

Thus, financial services enable the user to obtain any asset on credit, according to his convenience and at a reasonable interest rate.

Importance of Financial services
It is the presence of financial services that enables a country to improve its economic condition whereby there is more production in all the sectors leading to economic growth.

The benefit of economic growth is reflected on the people in the form of economic prosperity wherein the individual enjoys higher standard of living. It is here the financial services enable an individual to acquire or obtain various consumer products through hire purchase. In the process, there are a number of financial institutions which also earn profits. The presence of these financial institutions promote investment, production, saving etc.

Hence, we can bring out the importance of financial services in the following points:

Importance of Financial Services

Vibrant Capital Market.
Expands activities of financial markets.
Benefits of Government.
Economic Development.
Economic Growth.
Ensures Greater Yield.
Maximizes Returns.
Minimizes Risks.
Promotes Savings.
Promotes Investments.
Balanced Regional Development.
Promotion of Domestic & Foreign Trade.
1. Promoting investment

The presence of financial services creates more demand for products and the producer, in order to meet the demand from the consumer goes for more investment. At this stage, the financial services comes to the rescue of the investor such as merchant banker through the new issue market, enabling the producer to raise capital.

The stock market helps in mobilizing more funds by the investor. Investments from abroad is attracted. Factoring and leasing companies, both domestic and foreign enable the producer not only to sell the products but also to acquire modern machinery/technology for further production.

2. Promoting savings

Financial services such as mutual funds provide ample opportunity for different types of saving. In fact, different types of investment options are made available for the convenience of pensioners as well as aged people so that they can be assured of a reasonable return on investment without much risks.

For people interested in the growth of their savings, various reinvestment opportunities are provided. The laws enacted by the government regulate the working of various financial services in such a way that the interests of the public who save through these financial institutions are highly protected.

Financial Services offered by various financial institutions

Factoring.
Leasing.
Forfaiting.
Hire Purchase Finance.
Credit card.
Merchant Banking.
Book Building.
Asset Liability Management.
Housing Finance.
Portfolio Finance.
Underwriting.
Credit Rating.
Interest & Credit Swap.
Mutual Fund.
3. Minimizing the risks

The risks of both financial services as well as producers are minimized by the presence of insurance companies. Various types of risks are covered which not only offer protection from the fluctuating business conditions but also from risks caused by natural calamities.



Insurance is not only a source of finance but also a source of savings, besides minimizing the risks. Taking this aspect into account, the government has not only privatized the life insurance but also set up a regulatory authority for the insurance companies known as IRDA, 1999 (Insurance Regulatory and Development Authority) .

4. Maximizing the Returns

The presence of financial services enables businessmen to maximize their returns. This is possible due to the availability of credit at a reasonable rate. Producers can avail various types of credit facilities for acquiring assets. In certain cases, they can even go for leasing of certain assets of very high value.

Factoring companies enable the seller as well as producer to increase their turnover which also increases the profit. Even under stiff competition, the producers will be in a position to sell their products at a low margin. With a higher turnover of stocks, they are able to maximize their return.

5. Ensures greater Yield

As seen already, there is a subtle difference between return and yield. It is the yield which attracts more producers to enter the market and increase their production to meet the demands of the consumer. The financial services enable the producer to not only earn more profits but also maximize their wealth.

Financial services enhance their goodwill and induce them to go in for diversification. The stock market and the different types of derivative market provide ample opportunities to get a higher yield for the investor.

6. Economic growth

The development of all the sectors is essential for the development of the economy. The financial services ensure equal distribution of funds to all the three sectors namely, primary, secondary and tertiary so that activities are spread over in a balanced manner in all the three sectors. This brings in a balanced growth of the economy as a result of which employment opportunities are improved.

The tertiary or service sector not only grows and this growth is an important sign of development of any economy. In a well developed country, service sector plays a major role and it contributes more to the economy than the other two sectors.

7. Economic development

Financial services enable the consumers to obtain different types of products and services by which they can improve their standard of living. Purchase of car, house and other essential as well as luxurious items is made possible through hire purchase, leasing and housing finance companies. Thus, the consumer is compelled to save while he enjoys the benefits of the assets which he has acquired with the help of financial services.

8. Benefit to Government

The presence of financial services enables the government to raise both short-term and long-term funds to meet both revenue and capital expenditure. Through the money market, government raises short term funds by the issue of Treasury Bills. These are purchased by commercial banks from out of their depositors’ money.

In addition to this, the government is able to raise long-term funds by the sale of government securities in the securities market which forms apart of financial market. Even foreign exchange requirements of the government can be met in the foreign exchange market.

The most important benefit for any government is the raising of finance without offering any security. In this way, the financial services are a big boon to the government.

9. Expands activities of Financial Institutions

The presence of financial services enables financial institutions to not only raise finance but also get an opportunity to disburse their funds in the most profitable manner. Mutual funds, factoring, credit cards, hire purchase finance are some of the services which get financed by financial institutions.

The financial institutions are in a position to expand their activities and thus diversify the use of their funds for various activities. This ensures economic dynamism.

10. Capital Market

One of the barometers of any economy is the presence of a vibrant capital market. If there is hectic activity in the capital market, then it is an indication of the presence of a positive economic condition. The financial services ensure that all the companies are able to acquire adequate funds to boost production and to reap more profits eventually.

In the absence of financial services, there will be paucity of funds which will adversely affect the working of companies and will only result in a negative growth of the capital market. When the capital market is more active, funds from foreign countries also flow in. Hence, the changes in capital market is mainly due to the availability of financial services.

11. Promotion of Domestic and Foreign Trade

Financial services ensure promotion of domestic as well as foreign trade. The presence of factoring and forfaiting companies ensures increasing sale of goods in the domestic market and export of goods in the foreign market. Banking and insurance services further contribute to step up such promotional activities.

12. Balanced Regional development

The government monitors the growth of economy and regions that remain backward economically are given fiscal and monetary benefits through tax and cheaper credit by which more investment is promoted. This generates more production, employment, income, demand and ultimately increase in prices.

The producers will earn more profits and can expand their activities further. So, the presence of financial services helps backward regions to develop and catch up with the rest of the country that has developed alread