MBA online

Invest in yourself and gain the necessary multidisciplinary knowledge, tools and skills that you will need to successfully manage at a senior executive level. This Executive MBA trains managers to become modern leaders, and not only seeks to increase your business acumen but also foster the interpersonal skills and the international perspective that the market demands.

Five reasons to study the Executive MBA
1 – The boost your career needs. This program will put many new professional opportunities within your grasp, along with a wide, international network.

2 – Networking. You will be in touch with future business partners, clients or suppliers and create your own network among the 45,000 IE alumni.

3 – Flexible study. You can choose between 2 study options, combining online learning with three one-week periods in Madrid or one face-to-face weekend every six weeks.

Electronic business, or e-business, is the application of information and communication technologies (ICT) in support of all the activities of business. Commerce constitutes the exchange of products and services between businesses, groups and individuals and can be seen as one of the essential activities of any business. Electronic commerce focuses on the use of ICT to enable the external activities and relationships of the business with individuals, groups and other businesses or e business refers to business with help of internet i.e. doing business with the help of internet network.[1] The term “e-business” was coined by IBM’s marketing and Internet team in 1996

Revenue model
Main article: Revenue model
A key component of the business model is the revenue model, which is a framework for generating revenues. It identifies which revenue source to pursue, what value to offer, how to price the value, and who pays for the value. It is a key component of a company’s business model. It primarily identifies what product or service will be created in order to generate revenues and the ways in which the product or service will be sold.

Without a well defined revenue model, that is, a clear plan of how to generate revenues, new businesses will more likely struggle due to costs which they will not be able to sustain. By having a clear revenue model, a business can focus on a target audience, fund development plans for a product or service, establish marketing plans, begin a line of credit and raise capital.

Access and data integrity
There are several different ways to prevent access to the data that is kept online. One way is to use anti-virus software. This is something that most people use to protect their networks regardless of the data they have. E-businesses should use this because they can then be sure that the information sent and received to their system is clean.

 A second way to protect the data is to use firewalls and network protection. A firewall is used to restrict access to private networks, as well as public networks that a company may use. The firewall also has the ability to log attempts into the network and provide warnings as it is happening. They are very beneficial to keep third-parties out of the network. Businesses that use Wi-Fi need to consider different forms of protection because these networks are easier for someone to access. They should look into protected access, virtual private networks, or internet protocol security.[14] Another option they have is an intrusion detection system. This system alerts when there are possible intrusions. Some companies set up traps or “hot spots” to attract people and are then able to know when someone is trying to hack into that area.

Digital certificates
The point of a digital certificate is to identify the owner of a document. This way the receiver knows that it is an authentic document. Companies can use these certificates in several different ways. They can be used as a replacement for user names and passwords. Each employee can be given these to access the documents that they need from wherever they are. These certificates also use encryption. They are a little more complicated than normal encryption however. They actually used important information within the code. They do this in order to assure authenticity of the documents as well as confidentiality and data integrity which always accompany encryption.[14] Digital certificates are not commonly used because they are confusing for people to implement. There can be complications when using different browsers, which means they need to use multiple certificates. The process is being adjusted so that it is easier to use.

Digital signatures
A final way to secure information online would be to use a digital signature. If a document has a digital signature on it, no one else is able to edit the information without being detected. That way if it is edited, it may be adjusted for reliability after the fact. In order to use a digital signature, one must use a combination of cryptography and a message digest. A message digest is used to give the document a unique value. That value is then encrypted with the sender’s private key.

E-commerce (short for “electronic commerce”) is trading in products or services using computer networks, such as the Internet. Electronic commerce draws on technologies such as mobile commerce, electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic data interchange (EDI), inventory management systems, and automated data collection systems. Modern electronic commerce typically uses the World Wide Web for at least one part of the transaction’s life cycle, although it may also use other technologies such as e-mail.

                 Forex Trading

The foreign exchange market assists international trade and investments by enabling currency conversion. For example, it permits a business in the United States to import goods from European Union member states, especially Eurozone members, and pay Euros, even though its income is in United States dollars. It also supports direct speculation and evaluation relative to the value of currencies, and the carry trade, speculation based on the interest rate differential between two currencies.

The foreign exchange market is unique because of the following characteristics:

its huge trading volume representing the largest asset class in the world leading to high liquidity;
its geographical dispersion;
its continuous operation: 24 hours a day except weekends, i.e., trading from 22:00 GMT on Sunday (Sydney) until 22:00 GMT Friday (New York);
the variety of factors that affect exchange rates;
the low margins of relative profit compared with other markets of fixed income; and
the use of leverage to enhance profit and loss margins and with respect to account size.
As such, it has been referred to as the market closest to the ideal of perfect competition, notwithstanding currency intervention by central banks.

Ancient
Currency trading and exchange first occurred in ancient times.[6] Money-changing people, people helping others to change money and also taking a commission or charging a fee were living in the times of the Talmudic writings (Biblical times). These people (sometimes called “kollybistẻs”) used city-stalls, at feast times the temples Court of the Gentiles instead.[7] Money-changers were also in more recent ancient times silver-smiths and/or gold-smiths.

During the 4th century, the Byzantine government kept a monopoly on the exchange of currency.[9]

Papyri PCZ I 59021 (c.259/8 BC), shows the occurrences of exchange of coinage within Ancient Egypt.

Currency and exchange was also a vital and crucial element of trade during the ancient world so that people could buy and sell items like food, pottery and raw materials.[11] If a Greek coin held more gold than an Egyptian coin due to its size or content, then a merchant could barter fewer Greek gold coins for more Egyptian ones, or for more material goods. This is why, at some point in their history, most world currencies in circulation today had a value fixed to a specific quantity of a recognized standard like silver and gold.

Early modern
Alex. Brown & Sons traded foreign currencies exchange sometime about 1850 and was a leading participant in this within U.S.A.[20] During 1880, J.M. do Espírito Santo de Silva (Banco Espírito Santo) applied for and was given permission to begin to engage in a foreign exchange trading business.

The year 1880 is considered by at least one source to be the beginning of modern foreign exchange, significant for the fact of the beginning of the gold standard during the year.

Prior to the first world war, there was a much more limited control of international trade. Motivated by the outset of war, countries abandoned the gold standard monetary system

                                                             

                  credit card

A credit card is different from a charge card, where it requires the balance to be repaid in full each month.[2] In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

BankAmericard and Master Charge
Until 1958, no one had been able to successfully establish a revolving credit financial system in which a card issued by a third-party bank was being generally accepted by a large number of merchants, as opposed to merchant-issued revolving cards accepted by only a few merchants. There had been a dozen attempts by small American banks, but none of them were able to last very long. In September 1958, Bank of America launched the BankAmericard in Fresno, California, which would become the first successful recognizably modern credit card. This card succeeded where others failed by breaking the chicken-and-egg cycle in which consumers did not want to use a card that few merchants would accept and merchants did not want to accept a card that few consumers used. Bank of America chose Fresno because 45% of its residents used the bank, and by sending a card to 60,000 Fresno residents at once, the bank was able to convince merchants to accept the card.[14] It was eventually licensed to other banks around the United States and then around the world, and in 1976, all BankAmericard licensees united themselves under the common brand Visa. In 1966, the ancestor of MasterCard was born when a group of banks established Master Charge to compete with BankAmericard; it received a significant boost when Citibank merged its own Everything Card, launched in 1967, into Master Charge in 1969.

Early credit cards in the U.S., of which BankAmericard was the most prominent example, were mass-produced and mass mailed unsolicited to bank customers who were thought to be good credit risks. But, “They have been mailed off to unemployables, drunks, narcotics addicts and to compulsive debtors, a process President Johnson’s Special Assistant Betty Furness found very like ‘giving sugar to diabetics’.”[15] These mass mailings were known as “drops” in banking terminology, and were outlawed in 1970 due to the financial chaos they caused. However, by the time the law came into effect, approximately 100 million credit cards had been dropped into the U.S. population. After 1970, only credit card applications could be sent unsolicited in mass mailings.

Development outside North America
The fractured nature of the U.S. banking system under the Glass–Steagall Act meant that credit cards became an effective way for those who were traveling around the country to move their credit to places where they could not directly use their banking facilities. There are now countless variations on the basic concept of revolving credit for individuals (as issued by banks and honored by a network of financial institutions), including organization-branded credit cards, corporate-user credit cards, store cards and so on.

Car Insurance.

                                              Car Insurance

Vehicle insurance (also known as car insurance or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from. The specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions..

In New South Wales and the Northern Territory CTP Insurance is compulsory; each vehicle must be insured when registered. A ‘Greenslip,'[2] another name by which CTP Insurance is commonly known due to the colour of the form, must be obtained through one of the five licensed insurers in New South Wales. Suncorp and Allianz both hold two licences to issue CTP Greenslips – Suncorp under the GIO and AAMI licences and Allianz under the Allianz and CIC/Allianz licences. The remaining three licences to issue CTP Greenslips are held by QBE, Zurich and Insurance Australia Limited (NRMA). APIA and Shannons and InsureMyRide Insurance also supply CTP insurance licensed by GIO. In addition to the Greenslip, an additional car insurance can be purchased through insurers in Australia. This will cover claims that the standard CTP insurance cannot provide. This is known as a comprehensive car insurance.

Auto Insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming Auto Insurance in India, like duly signed claim form, RC copy of the vehicle, Driving license copy, FIR copy, Original estimate and policy copy.

There are different types of Auto Insurance in India :

Private Car Insurance – In the Auto Insurance in India, Private Car Insurance is the fastest growing sector as it is compulsory for all the new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture.

Two Wheeler Insurance – The Two Wheeler Insurance under the Auto Insurance in India covers accidental insurance for the drivers of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of the beginning of policy period.

Commercial Vehicle Insurance – Commercial Vehicle Insurance under the Auto Insurance in India provides cover for all the vehicles which are not used for personal purposes, like the Trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle.

HELP Paying My Fees....

                                      HELP
The Government administers the Higher Education Loan Programme (HELP) which consists of five HELP loans schemes to assist students with the cost of their fees. The right loan for you will depend on your circumstances, eligibility and where you want to study...

If you are studying at university or at an approved private higher education provider you will be offered either a Commonwealth supported place or a fee paying place. If you are studying at an approved VET provider you will be enrolled as either a state subsidised student or fee paying student...

HECS-HELP is a loan scheme to help eligible Commonwealth supported students to pay their student contribution amounts through a loan or upfront discounts. Before 2005, this was known as ‘HECS’.

SA-HELP is a loan that assists eligible students to pay for all or part of their student services and amenities fee.


VET FEE-HELP is a loan to help eligible students enrolled in higher-level vocational education and training courses at approved VET providers to pay their tuition fees.

LOANS

                                  LOANS

Whether you want to consolidate high-interest rate balances, fund a special purchase, or cover a major expense, a Wells Fargo Personal Loan is a great financing option.2

Benefits of a Personal Loan

A personal loan makes it easy for you to put your financial plan into action. Benefits of a personal loan include:

• Fixed rate, fixed term, and fixed monthly payments
• No origination or prepayment fees
• Relationship discounts may be available for customers with qualifying Wells Fargo consumer checking accounts
• Competitive Annual Percentage Rate (APR) for the life of the loan
• No collateral required to qualify
• Loan amounts from $3,000 to $100,000
• Credit decision in as little as 15 minutes and often same-day access to funds

Welcome to All About Insurance

Committed to providing professional insurance services and knowledge to our clients new and old.

All About Insurance was established in 1993 with its first office in Chapel Hill, North Carolina. Insurance solutions have since been provided to over 30,000 clients in the Triangle and Triad area at our 10 convenient locations. Our agencies’ founder Mark Vitali, CEO is well renowned in the industry and throughout the country. He is often invited to speak at meetings, conferences and events, and participates on several advisory councils.

We also just happen to be Nationwide Insurance Company’s largest insurance agency. We have been honored by Nationwide every year with its most prestigious award for quality service and production. This type of partnership allows us to offer some of the very best rates in North Carolina. Insurance premiums are lower and our level of service is higher than most area agencies....

Perhaps you’re in need of reliable  car insurance or a home insurance policy—well rest assured because we’ve made your coverage needs our number one priority. We also offer specialty coverage options available forbusiness insurance packages, group benefits, and much more! Be sure to ask one of our insurance specialists about how you can combine policies- not only will you save money, but also make policy management easier on yourself.

At All About Insurance, we are committed to offering individuals and business owners professional advice, personal care, and responsible service that goes beyond expectations. When you work with All About Insurance, you can expect:..

• An agency you can trust
• An agency who spends time reviewing each of your coverage parts and makes sure you have exactly what you need, no more – no less
• An agency who will seek out the most cost effective insurance plan available
• An agency whose only priority is doing what is best for you
• An agency with a service department that is receptive, efficient, friendly and professional in advising you
• An agency who will process your claim for you and advise you through the process
• An agency where you feel at home, like a member of the family...

Our knowledge shows in everything we do. Our staff is well trained and experienced. The All About Insurance team receives professional training on a regular and on-going basis in an effort to stay on top of industry changes and trends. So if you need insurance in Raleigh or anywhere else in the state, you can rely on us....

Give us a call today, fill out our online form, or stop by any of our offices in North Carolina. Insurance that is affordable and reliable is just a phone call or a click away....