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Mobile Banking in Ethiopia





From VOA Learning English, this is the Economics Report in Special English.E

thiopia is one of the last countries in Africa to permit mobile banking. Mobile banking has proved to be profitable in the developing world, where many people still do not use banks. Earlier this year, the World Bank reported that 75 percent of the world’s poor are “unbanked.” That is about 2.5 billion people. Banking through mobile phones lets people take part in financial services even if they are not near a bank.Until recently, Ethiopia and Zimbabwe were the only nations in Africa without mobile money services. Now, that has changed for Ethiopia.BelCash and M-Birr are mobile banking technology providers. They have been setting up mobile banking and mobile money services in Ethiopia for the past three years. The Dutch company BelCash is working in partnership with banks to provide easier access to financing through bank accounts. Ireland-based M-Birr is a mobile money service that works with microfinance groups where no registration with a bank is needed. Ethiopia’s mobile phone industry is young. And wireless service coverage in the country is not well developed. The pressure on the wireless network is expected to increase. In the past four years, the number of mobile users grew from three to 17 million. And Ethiopia’s telecommunications provider, Ethio Telecom, expects that number to grow to 40 million in the next three years. The government closely controls Ethiopia’s telecommunications market. That means there is only one provider. Competition is not permitted. The National Bank of Ethiopia recently finished a draft order on how mobile banking services should be structured. This comes as international companies have shown interest in starting mobile banking services.For VOA Learning English, I’m Carolyn Presutti. (Adapted from a radio program broadcast 16Nov2012)

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1. auto insurance for and auto insurances quotes online





Click to see what to look out for when shopping for non owner car insurance. Non owner vehicle insurance is auto insurance without a car which essential if you are driving a rented,
company owned or borrowed vehicle.It will cover you and any third party for injuries incurred, medical costs as well as personal assets lost in the event of a car accident. You can obtain
rates for a non owners car insurance policy online, from car rental companies if you’re renting the vehicle or from various car insurance companies within your area

Check out my site on https://www.youtube.com/channel/UCCKp8NhkqQQkTIjmupoZRwg for various tips to minimize your risk and how to negotiate the best deal to reduce your non
owner car insurance cost and much more. Like health insurance coverage for you and your family members, home insurance isn’t something to consider lightly.

Cheaper Home Insurance: Reducing The Risk. What home who was the owner insurance manufacturers determine is chance and if you can lessen your own calculated risk you can
basically reduce your homeowners insurance coverage rates / expenses every single month. Things like security burglar alarm systems, security lights systems,

Like car insurance there are deductibles (that is the amount you have to pay out-of-pocket just before the insurance covers the rest) for home owners insurance coverage. So the greater
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how the high quality fluctuate. See which rates you can dwell with and pick accordingly. You can set a $500 or $1000 deductible initially and start saving towards that amount
and beyond. After you possess attained $2500 in financial savings you can adjust your householders insurance deductible to $2500 additional decreasing your costs.

For a great deal on car insurance visit Confused.com: http://ow.ly/fkZ0i .Video shot, edited and produced by James Cuff. Our top tips:

Your choice of car, Your car’s value, type and engine size all make a difference to your insurance premium. The general rule is, the smaller the car, the lower the premium.
If you haven’t bought a car yet, check quotes for the vehicles you’re considering. Fit a security device, A car fitted with a security device like an alarm, immobiliser or tracker
means it’s less likely to be broken into or stolen. And, in turn, insurance companies are more likely to offer you a cheaper quote. Type of cover, Many drivers looking for cheaper
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simply assume a third party policy will be cheaper – make sure you check comprehensive cover as well to see the difference in price. Some insurers price high. Don’t just choose the same
insurer as your partner, family member or friend, as there’s no one-size-fits-all when it comes to cover.

Additional driver, If you’re an inexperienced driver, adding an experienced driver, like a parent, to your policy could bring down the cost. However, if you lie to your insurer about who
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number of miles you drive each year, you can get an estimate by comparing the mileage on your last two years’ MOT certificates or use an online mileage calculator to stop you from
over insuring. Keep your driving licence

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The PILL Method Presentation 2010





This video is part one of a two part process to understand the most powerful money management and debt elimination system in the world. Part one is called Interest Cancellation and part two is referred to as Finance Optimization! Finance Optimization incorporates powerful algorithms combined with a special computer system to move the right amount of money from an account were the funds are not being used efficiently to an account where the funds can benefit the owner most.

This is all done on the right day in the right month, to lower the cost of borrowed money to its mathematical minimum. And to advance an amortization schedule to its mathematical maximum. So now the total cost of a loan can be reduced by an amazing 75% and the loan can be eliminated in 1/3 the time without refinancing, changing the payments or increasing the monthly budget.

We literally take money from the interest side of your payments and use that money to pay down the principal! To get a small hint of how our Optimization system works then watch this 13 minute video http://youtu.be/5hxz6MOF8zE .

This video was recorded in Miami FL. in May of 2010.
It is against the law to copy and distribute this video or the PILL Method content for any reason without the express permission of the owner and author given in writing. This is information is copyrighted!

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GTA Online: *NEW* Pfister 811 Car Showcase “Finance and Felony DLC” (GTA Online DLC Car)





GTA Online: *NEW* Pfister 811 Car Showcase “Finance and Felony DLC” (GTA Online DLC Car)
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Questra Holdings atlanticgam Income Calculator 2017





QUESTRA HOLDINS world’s fastest growing investnemt company with real business real people and real offices The Bullet Points about A.G.A. M./ QUESTRA …

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Watch Angry Customer smashes car window at Umhlanga dealership – New Best





Watch Angry Customer smashes car window at Umhlanga dealership.

Things got totally out of hand at an Umhlanga car dealership recently, when the relative of a woman who’d been told she couldn’t back out of a signed contract, smashed the back windscreen of car on the showroom floor.

“He’d actually picked up one of those metal queue poles and looked as if he was going to use that to do the damage,” said the automotive brand’s operations manager in KZN, who asked not to be named.

The woman had signed an Offer to Purchase and paid R22,000 as a holding deposit on a new hatchback a few days earlier, after lengthy negotiations with the dealership’s finance and insurance (F&I) manager.

Such contacts are binding on both the customer and the dealership, but a few days later she said she wanted to take the car without insurance, as she couldn’t afford it.

No can do, said the F&I manager – car financing banks are entitled to insist that cars are comprehensively insured for the duration of the contact.

“Then she said she wanted to cancel the deal, and was told this wasn’t possible, as the dealership had incurred costs in having accessories fitted and getting the car ready for collection,” the ops manager said.

Incensed, the woman arrived at the dealership on a Saturday morning three weeks ago, with her relatives in tow, demanding the refund of her deposit.

The dealer principle was out, but spoke to the customer on the phone, saying it was impossible for her to collect the deposit that day.

“At that point the relative, an enormous man, became very agitated, and went on a bit of a rampage, damaging company property,” the ops manager said, “including putting his fist through the rear glass of a car on the floor.”

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What is HIRE PURCHASE? What does HIRE PURCHASE mean? HIRE PURCHASE meaning & explanation





What is HIRE PURCHASE? What does HIRE PURCHASE mean? HIRE PURCHASE meaning – HIRE PURCHASE definition – HIRE PURCHASE explanation.

Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license.

Hire purchase (abbreviated (HP) this is an arrangement whereby a customer acquires an asset by paying an initial installment (e.g. 40% of the total) and repays the other part of the cost of the asset over a period of time or term for a contract, in which a purchaser agrees to pay for goods in parts or a percentage over a number of months. In Canada and the United States, a hire purchase is termed an installment plan although these may differ slightly as in a hire purchase agreement the ownership of the good remains with the seller until the last payment is made. Other analogous practices are described as closed-end leasing or rent to own.

The hire purchase agreement was developed in the United Kingdom in the 19th century to allow customers with a cash shortage to make an expensive purchase they otherwise would have to delay or forgo. For example, in cases where a buyer cannot afford to pay the asked price for an item of property as a lump sum but can afford to pay a percentage as a deposit, a hire-purchase contract allows the buyer to hire the goods for a monthly rent. When a sum equal to the original full price plus interest has been paid in equal installments, the buyer may then exercise an option to buy the goods at a predetermined price (usually a nominal sum) or return the goods to the owner.

If the buyer defaults in paying the installments, the owner may repossess the goods, a vendor protection not available with unsecured-consumer-credit systems. HP is frequently advantageous to consumers because it spreads the cost of expensive items over an extended time period. Business consumers may find the different balance sheet and taxation treatment of hire-purchased goods beneficial to their taxable income. The need for HP is reduced when consumers have collateral or other forms of credit readily available.

These contracts are most commonly used for items such as car and high value electrical goods where the purchasers are unable to pay for the goods directly.

If the seller has the resources and the legal right to sell the goods on credit (which usually depends on a licensing system in most countries), the seller and the owner will be the same person. But most sellers prefer to receive a cash payment immediately. To achieve this, the seller transfers ownership of the goods to a Finance Company, usually at a discounted price, and it is this company that hires and sells the goods to the buyer. This introduction of a third party complicates the transaction. Suppose that the seller makes false claims as to the quality and reliability of the goods that induce the buyer to “buy”. In a conventional contract of sale, the seller will be liable to the buyer if these representations prove false. But, in this instance, the seller who makes the representation is not the owner who sells the goods to the buyer only after all the installments have been paid. To combat this, some jurisdictions, including Ireland, make the seller and the finance house jointly and severally liable to answer for breaches of the purchase contract.

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How to Fuel the Economy Without Increasing Debt, through Sovereign Money





http://www.positivemoney.org/
Ben Dyson, Founder of Positive Money, speaking at the Positive Money 2014 conference. He recapped how the nature of money has changed since the Bank Charter Act of 1844, which outlawed bank creation of paper money. Most money today is electronic. There had yet to be a democratic debate on the consequences of this. Indeed, there had hardly been any democratic debate on the consequences of Quantitative Easing (QE).

In terms of where this private bank money went — 40 per cent went into the property market, 37 per cent to financial markets, 10 per cent to credit cards and personal loans and only 13 percent to productive business.

In our system today, “more money means more debt”. If we have a crisis and we want less debt then we have to accept that we will end up with less money circulating, because when the loans are repaid, the money disappears from the economy.

Under the present system, there are two ways to get more money into the economy:

The first way is to get the private banks creating new money by creating new debt. That is the situation where “more money equals more debt.” So, interest rates were lowered to 0.5% in the expectation that “lower interest rates will get people to borrow more.” There have also been various “funding for lending” schemes.

The second way is to get the Bank of England to create money. It has initiated QE, whereby it creates money and buys bonds from pension funds and insurance companies.

This money floods into the bond market and some floods into the stock market. It artificially increases bond prices, in the same way that the banks’ privately-created money pushes up mortgage prices.

The idea behind QE is that those who see the value of their bonds go up will then spend more on the High Street. But in reality, it means that the relatively small number of people who have the money in the first place, take their money and put even more of it into the bond market. In short, QE is a scheme which has made the very wealthy much better off, but has done very little to create jobs and get the real economy going.

Incredibly, around £375 billion has been created but there has been very few questions asked in Parliament about the wisdom of this process, about how the money is created and where it is spent. This is remarkable considering the tortured debates in Parliament about the spending of sums which are a mere fraction of this figure!

Ben explained that the alternative is Sovereign Money.

The idea of Sovereign Money is that instead of the BoE creating money and putting it into the financial markets, it should be put into the real economy, through spending on infrastructure, through tax cuts, or through the simple expedient of giving it to people. This would allow us to escape from the debt trap where, if we need more money then we must have more debt.

Sovereign Money Creation: Paving the Way for a Sustainable Recovery

He said that for every £10 billion which gets added to the government account and spent into the economy then we would get £6 billion coming back in taxes, and that for every £1 which goes in, we would get £2.80 of spending throughout the economy. He suggested that a Sovereign Money creation of £10 billion would lead to 28 billion spending, up to 284 000 jobs and 5.6 billion tax revenue, and lower personal debt. (These calculations come from CBI figures.)

Furthermore, this is a policy which can be done now. Private banks will still lend, but Sovereign Money will, to an extent, offset the negative effects of debt. Once it can be shown that Sovereign Money works, then we can point to the full solution, outlined in Modernising Money which is stopping banks creating money in the first place.

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Positive Money is a not-for-profit research and campaign group. They work to raise awareness of the connections between our current monetary and banking system and the serious social, economic and ecological problems that face the UK and the world today. In particular they focus on the role of banks in creating the nation’s money supply through the accounting process they use when they make loans – an aspect of banking which is poorly understood. Positive Money believe these fundamental flaws are at the root of – or a major contributor to – problems of poverty, excessive debt, growing inequality and environmental degradation. For more information, please visit: http://www.positivemoney.org/

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