--
-- Host: localhost    Database: familyoffice
-- ------------------------------------------------------


--
-- Table structure for table `career`
--

CREATE TABLE `career` (
  `id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `country_id` int(11) NOT NULL,
  `title` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `slug` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `career_slug_unique` (`slug`)
) ENGINE=InnoDB AUTO_INCREMENT=58 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `career`
--

INSERT INTO `career` VALUES (1,1,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Singapore</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/singapore/investment-consultant','2019-03-26 16:00:00','2019-03-27 14:30:20'),(2,1,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Singapore</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/singapore/business-development-manager','2019-03-27 14:33:58','2019-03-27 14:40:21'),(3,1,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Singapore</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/singapore/portfolio-manager','2019-03-27 14:43:27','2019-03-27 14:52:40'),(4,2,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Hong Kong, Shanghai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/china/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(5,2,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Hong Kong, Shanghai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/china/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(6,2,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Hong Kong, Shanghai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/china/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(10,4,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Astana</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/kazakhstan/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(11,4,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Astana</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/kazakhstan/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(12,4,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Astana</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/kazakhstan/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(13,5,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Baku</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/azerbaijan/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(14,5,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Baku</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/azerbaijan/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(15,5,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Baku</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/azerbaijan/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(16,6,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Abu Dhabi, Dubai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_arab_emirates/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(17,6,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Abu Dhabi, Dubai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_arab_emirates/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(18,6,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Abu Dhabi, Dubai</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_arab_emirates/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(19,7,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">New York</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/usa/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(20,7,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">New York</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/usa/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(21,7,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">New York</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/usa/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(22,8,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">London</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_kingdom/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(23,8,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">London</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_kingdom/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(24,8,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">London</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/united_kingdom/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(25,9,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Vienna</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/austria/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(26,9,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Vienna</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/austria/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(27,9,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Vienna</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/austria/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(28,10,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Paris</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/france/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(29,10,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Paris</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/france/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(30,10,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Paris</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/france/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(31,11,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Monaco</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/monaco/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(32,11,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Monaco</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/monaco/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(33,11,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Monaco</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/monaco/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(34,12,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Berlin</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/germany/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(35,12,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Berlin</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/germany/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(36,12,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Berlin</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/germany/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(37,13,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Brussels</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/belgium/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(38,13,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Brussels</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/belgium/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(39,13,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Brussels</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/belgium/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(40,14,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Rome</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/italy/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(41,14,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Rome</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/italy/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(42,14,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Rome</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/italy/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(43,15,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Luxembourg</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/luxembourg/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(44,15,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Luxembourg</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/luxembourg/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(45,15,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Luxembourg</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/luxembourg/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(46,16,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Sliema</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/malta/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(47,16,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Sliema</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/malta/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(48,16,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Sliema</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/malta/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(49,17,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Barcelona</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/spain/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(50,17,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Barcelona</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/spain/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(51,17,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Barcelona</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/spain/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(52,18,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Zurich</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/switzerland/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(53,18,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Zurich</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/switzerland/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(54,18,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Zurich</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/switzerland/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40'),(55,19,'Investment consultant','<h3 class=\"vacancy__title\">Investment consultant</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Triesen</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Active procurement of high calibre clients</li>\n<li class=\"vacancy__content-item\">Reviewing and selection of&nbsp;profitable investment solution</li>\n<li class=\"vacancy__content-item\">Providing advice and support to present clientele on investment matters</li>\n<li class=\"vacancy__content-item\">Investment profiling</li>\n<li class=\"vacancy__content-item\">Conduct transactions</li>\n<li class=\"vacancy__content-item\">Provide any and all support to clients on any other matters from time to time</li>\n<li class=\"vacancy__content-item\">Creating sales and promotion system</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree in business, accounting or finance</li>\n<li class=\"vacancy__content-item\">5 years experience in the field of sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/lichtenstein/investment-consultant','2019-03-26 13:00:00','2019-03-27 11:30:20'),(56,19,'Business Development Manager (corporate)','<h3 class=\"vacancy__title\">Business Development Manager (corporate)</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Triesen</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Аctively procure corporate clients</li>\n<li class=\"vacancy__content-item\">Expansion of consumer base</li>\n<li class=\"vacancy__content-item\">Be the contact person for corporate clients</li>\n<li class=\"vacancy__content-item\">Source and promote offers</li>\n<li class=\"vacancy__content-item\">Provide all round support to corporate clients as and when required</li>\n<li class=\"vacancy__content-item\">Build and create long-term partnerships with corporate clients.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Degree or higher in the relevant field</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in sales of financial products (stock market, banks, investment companies)</li>\n<li class=\"vacancy__content-item\">Possess business contacts in the financial and investment field</li>\n<li class=\"vacancy__content-item\">Good knowledge on financial products</li>\n<li class=\"vacancy__content-item\">Good communication and negotiation skills at various levels</li>\n<li class=\"vacancy__content-item\">Proficient in English</li>\n<li class=\"vacancy__content-item\">Team player with strong abilities to multitask and work independently in a fast paced environment</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/lichtenstein/business-development-manager','2019-03-27 11:33:58','2019-03-27 11:40:21'),(57,19,'Portfolio Manager','<h3 class=\"vacancy__title\">Portfolio Manager</h3>\n<div class=\"vacancy__item vacancy__item_salary\">\n<div class=\"vacancy__item-name\">Salary:</div>\n<div class=\"vacancy__item-content\">Commensurate with experience</div>\n</div>\n<div class=\"vacancy__item vacancy__item_city\">\n<div class=\"vacancy__item-name\">City:</div>\n<div class=\"vacancy__item-content\">Triesen</div>\n</div>\n<div class=\"vacancy__item vacancy__item_experience\">\n<div class=\"vacancy__item-name\">Experience:</div>\n<div class=\"vacancy__item-content\">from 5 years</div>\n</div>\n<div class=\"vacancy__item vacancy__item_responsibility\">\n<div class=\"vacancy__item-name\">Responsibility:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Prepare reviews;</li>\n<li class=\"vacancy__content-item\">Analysis of financial markets and individual companies;</li>\n<li class=\"vacancy__content-item\">Financial modeling;</li>\n<li class=\"vacancy__content-item\">Search for investment ideas;</li>\n<li class=\"vacancy__content-item\">Write comments on the media;</li>\n<li class=\"vacancy__content-item\">Conduct weekly reviews for the sales department;</li>\n<li class=\"vacancy__content-item\">Develop strategies for client portfolios;</li>\n<li class=\"vacancy__content-item\">Participate in negotiations with existing and potential clients</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_requirements\">\n<div class=\"vacancy__item-name\">Requirements:</div>\n<div class=\"vacancy__item-content\">\n<ul class=\"vacancy__content-list\">\n<li class=\"vacancy__content-item\">Minimum Degree Holder in the appropriate field;</li>\n<li class=\"vacancy__content-item\">Minimum 5 years experience in the global shares market in an investment bank;</li>\n<li class=\"vacancy__content-item\">Proficient in English;</li>\n<li class=\"vacancy__content-item\">Good knowledge of financial statements;</li>\n<li class=\"vacancy__content-item\">Good knowledge of Bloomberg;</li>\n<li class=\"vacancy__content-item\">Possess financial modeling tools;</li>\n<li class=\"vacancy__content-item\">Proficient in Microsoft Office (Word, Excel, PowerPoint);</li>\n<li class=\"vacancy__content-item\">Good presentation skills.</li>\n</ul>\n</div>\n</div>\n<div class=\"vacancy__item vacancy__item_type-of-employment\">\n<div class=\"vacancy__item-name\">Type of employment:</div>\n<div class=\"vacancy__item-content\">Permanent; Full time position</div>\n</div>','career/lichtenstein/portfolio-manager','2019-03-27 11:43:27','2019-03-27 11:52:40');

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--
-- Table structure for table `data_types`
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--
-- Table structure for table `menu_items`
--

CREATE TABLE `menu_items` (
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--
-- Dumping data for table `menu_items`
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--
-- Table structure for table `menus`
--

CREATE TABLE `menus` (
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--
-- Dumping data for table `menus`
--

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--
-- Table structure for table `migrations`
--

CREATE TABLE `migrations` (
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--
-- Dumping data for table `migrations`
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--
-- Table structure for table `pages`
--

CREATE TABLE `pages` (
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--
-- Dumping data for table `pages`
--

INSERT INTO `pages` VALUES (1,1,'Home',NULL,'<section class=\"intro content__block\">\n<div class=\"main-slider intro__slider\">\n<div class=\"main-slider__slide\">\n<div class=\"main-slider__img main-slider__img_one\">&nbsp;</div>\n<div class=\"navigation navigation_wide main-slider__navigation\">\n<h2 class=\"navigation__title\">Corporate Services</h2>\n<a class=\"navigation__text navigation__text_right\" href=\"https://castle-familyoffice.sg/corporate-services/succession-planning\">Read more</a></div>\n<img class=\"main-slider__award-sign\" src=\"/images/award_sign.png\" alt=\"\" /></div>\n<div class=\"main-slider__slide\">\n<div class=\"main-slider__img main-slider__img_two\">&nbsp;</div>\n<div class=\"navigation navigation_wide main-slider__navigation\">\n<h2 class=\"navigation__title\">Legal Support</h2>\n<a class=\"navigation__text navigation__text_right\" href=\"https://castle-familyoffice.sg/legal-support/legal-support\">Read more</a></div>\n<img class=\"main-slider__award-sign\" src=\"/images/award_sign.png\" alt=\"\" /></div>\n<div class=\"main-slider__slide\">\n<div class=\"main-slider__img main-slider__img_three\">&nbsp;</div>\n<div class=\"navigation navigation_wide main-slider__navigation\">\n<h2 class=\"navigation__title\">Private wealth</h2>\n<a class=\"navigation__text navigation__text_right\" href=\"https://castle-familyoffice.sg/private-wealth/private-wealth\">Read more</a></div>\n<img class=\"main-slider__award-sign\" src=\"/images/award_sign.png\" alt=\"\" /></div>\n</div>\n</section>\n<section class=\"tailored-solution content__block\">\n<div class=\"tailored-solution__text-block\">\n<div class=\"tailored-solution__back\">&nbsp;</div>\n<div class=\"divider tailored-solution__line\">&nbsp;</div>\n<p class=\"tailored-solution__text\">We recognise your unique goals, challenges and ambitions as a family and we strive to deliver a tailored end-to-end solution that goes above and beyond conventional private banking.</p>\n</div>\n<div class=\"tailored-solution__video-block\"><video class=\"tailored-solution__video\" poster=\"/images/covers_video_poster.jpg\" autoplay=\"autoplay\" loop=\"loop\" muted=\"\" controls=\"controls\">\n                    <source class=\"tailored-solution__video-src\" src=\"/images/castle-video_en.mp4\" type=\"video/mp4\" />\n                </video></div>\n</section>','pages/page1.jpg','home','test','yest','ACTIVE','2018-12-27 13:57:44','2022-09-08 06:57:08','<section class=\"become-client content__block\">\n<div class=\"become-client__img-block\">\n<div class=\"bc-slider become-client__slider\">\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_one\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Opening a company and corporate bank account in Singapore. Assistance in doing business in Singapore.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_two\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Opening a company and corporate bank account in Hong Kong. Assistance in doing business in Hong Kong.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_three\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Opening of the company and corporate bank account in Central Asia. Assistance in doing business in Central Asia.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_four\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Receiving an Investor or Entrepreneurial Visa to Singapore. Change of residency. Buying a property. Family and business relocation. Expansion of connections.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_five\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Receiving an Investor or Entrepreneurial Visa to Hong Kong. Change of residency. Buying a property. Family and business relocation. Expansion of connections.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_six\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Receiving an Investor or Entrepreneurial Visa to Central Asia. Change of residency. Buying a property. Family and business relocation. Expansion of connections.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_seven\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Opening a private bank account in Singapore, Hong Kong, United Kingdom, Switzerland, Central Asia&nbsp;and other countries.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_eight\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Services in other countries.</p>\n</div>\n</div>\n</div>\n<div class=\"bc-slider__slide\">\n<div class=\"bc-slider__slide-img bc-slider__slide-img_nine\">\n<div class=\"bc-slider__text-block\">\n<p class=\"bc-slider__text\">Getting a Tier 1 Visa, Investor or Entrepreneur visa in the UK. Change of residence. Buying a property. Family and business relocation. Expansion of connections.</p>\n</div>\n</div>\n</div>\n</div>\n<div class=\"navigation become-client__navigation become-client__button\">\n<p class=\"navigation__text navigation__text_right become-client__button-text\">Fill in The Application</p>\n</div>\n</div>\n<div class=\"become-client__text-block\">\n<h3 class=\"heading become-client__heading\">Become a client</h3>\n<hr class=\"divider become-client__divider\" />\n<p class=\"become-client__text\">Fill in the application form for the Castle Family Office Service</p>\n</div>\n</section>\n<section class=\"our-mission content-block\">\n<div class=\"our-mission__img\">&nbsp;</div>\n<div class=\"our-mission__text-block\">\n<h3 class=\"heading our-mission__heading\">Our mission</h3>\n<hr class=\"divider our-mission__divider\" />\n<p class=\"our-mission__text\">We aim to be the premier legal support firm &ndash; to redefine and elevate the legal services experience through unparalleled client service and a commitment to excellence in all that we do.</p>\n<div class=\"our-mission__extra-text-wrapper\">\n<p class=\"our-mission__extra-text\">The client experience is the centerpiece of our model. We empower individuals, families, institutions, and endowments to realize their aspirations and achieve their most important goals.<br /><br />We do this by bringing the brightest minds together with energy, innovation, creativity, and passion to provide exceptional services, products, capabilities, and value that will enable our clients to achieve their goals for generations to come.</p>\n<div class=\"our-mission__back\">&nbsp;</div>\n</div>\n</div>\n</section>'),(2,1,'Private wealth',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/private-wealth.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Private Wealth</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">We understand the that every individual and every family have their own unique set of needs and requirement. We are able to tailor made and customize structured solutions to cater for the constantly changing legal and financial environment.</p>\n<p class=\"service__text\">We employ varied strategies to successfully protect and transfer wealth to family members and/or charities including:</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<ul class=\"service__list\">\n<li class=\"service__list-item\">Trust and Estate Planning</li>\n<li class=\"service__list-item\">Assets Ownership</li>\n<li class=\"service__list-item\">Real Estate Investment and Management</li>\n<li class=\"service__list-item\">Foreign Residence and Citizenship</li>\n</ul>\n</div>\n</div>',NULL,'/private-wealth/private-wealth',NULL,NULL,'ACTIVE','2019-03-12 17:41:51','2019-03-15 11:08:25',''),(3,1,'Trust and Estate Planning',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/private-wealth_2.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Trust and Estate Planning</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">We pride ourselves in knowing that our clients are High Net Worth and Ultra High Net Worth individuals and families who often encounter situations that require sophisticated estate planning.</p>\n<p class=\"service__text\">With our partners, we provide our clients with services ranging from plain vanilla tax and estate planning to finding creative solutions for a highly personalized resolution. Our focus is to design and assist in the implementation of creative, effective plans focused on the goals and needs of our clients. We are able to draw on the resources of large partner firms as needed to provide truly customized plans for each of our clients.</p>\n<p class=\"service__text\">We assist clients in all facets of trust and estate-related matters, including:</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<ul class=\"service__list\">\n<li class=\"service__list-item\">domestic/international trusts and estate planning;</li>\n<li class=\"service__list-item\">setting up non-profit organizations and foundations created by individuals, families or their companies;</li>\n<li class=\"service__list-item\">making large charitable donations, legacies or gifts;</li>\n<li class=\"service__list-item\">asset protection;</li>\n<li class=\"service__list-item\">premarital and post-nuptial agreements;</li>\n<li class=\"service__list-item\">business succession planning etc.</li>\n</ul>\n</div>\n</div>',NULL,'/private-wealth/trust-and-estate-planning',NULL,NULL,'ACTIVE','2019-03-14 13:48:35','2019-03-19 10:13:17',''),(4,1,'About us',NULL,'<div class=\"about-us__intro-block\">\n<div class=\"about-us__intro-text\">\n<div class=\"about-us__intro-back\">&nbsp;</div>\n<h3 class=\"heading about-us__title\">About us</h3>\n<p class=\"about-us__text\">Our company principles are based on longstanding virtues and family oriented values that have taken us to where we are today. As a family office, we understand the importance of developing and nurturing a legacy that withstands the test of time. We offer our clients sophisticated solutions whilst practising transparency and independence.</p>\n</div>\n<div class=\"about-us__logo\">&nbsp;</div>\n</div>\n<div class=\"about-us__img-block\"><img class=\"about-us__img\" src=\"/images/about-us.jpg\" alt=\"\" />\n<div class=\"navigation about-us__navigation\"><a class=\"navigation__text navigation__text_right about-us__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"about-us__text-block\">\n<h3 class=\"about-us__heading\">Our history</h3>\n<div class=\"about-us__back\">&nbsp;</div>\n<div class=\"about-us__line\">&nbsp;</div>\n<div class=\"about-us__text-column about-us__text-column_left\">\n<p class=\"about-us__text\">2008 &ndash; Global Financial Crisis Due to one of the world\'s worst financial crises, as considered by many, numerous financial institutions were badly affected. High-net-worth families who invested with these institutions lost their investments and assets along with the collapsing market. Through such a disaster, a concept was formed. Its aim was to protect investments and assets of a high-net-worth family by providing structured services and solutions that were tailored according to the family and benefited them entirely.&nbsp;</p>\n<p class=\"about-us__text\">2009 &ndash; Castle Family Office&nbsp; started off as a single family office in Central Asia. The company provided financial advisory, wealth planning and asset management services to a single high-net-worth family, protecting the investments and assets of the family from market uncertainty.</p>\n</div>\n<div class=\"about-us__text-column about-us__text-column_right\">\n<p class=\"about-us__text\">2011 &ndash; Castle Family Office Becomes a Multi-Family Office From the successful structuring and managing of the single family office, more high-net-worth and ultra-high-net-worth families came to realise the importance of protecting their wealth. Our network broadened resulting in the expansion from a single family office to a multi-family office. In addition to our core services, we began providing an array of lifestyle services such as alternative investments, concierge and lifestyle and legal support, amongst others.</p>\n<p class=\"about-us__text\">2013 - Real time &ndash; Global Development Over time, our portfolios increased and with it, Castle Family Office expanded and branched out to have a regulated entity in the United Kingdom and our headquarters in Singapore.</p>\n</div>\n</div>',NULL,'about-us',NULL,NULL,'ACTIVE','2019-03-15 09:54:57','2022-09-08 07:02:19',''),(5,1,'Assets Ownership',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/private-wealth_3.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Assets Ownership</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">The world does not exist only in terms of cash and credit. We understand that our clients are constantly engaged in the buying and selling of assets such as real estate, luxury cars, yachts and shareholdings. Our partner law firms are situated globally and are well placed to handle such deals while providing you with a peace of mind throughout the process.</p>\n<p class=\"service__text\">We work with various parties to make sure that the conveyance of the asset is complete with all the required registration and paperwork. We understand that it is often frustrating for the clients to have to deal with the legal technicalities and the relevant authorities in unfamiliar jurisdictions. We also work with the perennial names in the industry so as to provide our clients with options and stability.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">&nbsp;</div>\n</div>',NULL,'/private-wealth/assets-ownership',NULL,NULL,'ACTIVE','2019-03-15 12:13:22','2019-03-19 10:02:21',''),(6,1,'Real Estate Investment and Management',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/private-wealth_4.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Real Estate Investment and Management</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">With our partners, we are able to offer distinct benefits in both the residential and commercial real estate markets. Our partners cover the full range of real estate transactions on the investment side as well as the ongoing maintenance of existing properties. This includes the following:</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<ul class=\"service__list\">\n<li class=\"service__list-item\">formation of ownership structures, such as companies and trusts;</li>\n<li class=\"service__list-item\">property acquisition;</li>\n<li class=\"service__list-item\">making large charitable donations, legacies or gifts;</li>\n<li class=\"service__list-item\">development and construction;</li>\n<li class=\"service__list-item\">leasing and property sales;</li>\n<li class=\"service__list-item\">ongoing operation of real estate assets.</li>\n</ul>\n</div>\n</div>',NULL,'/private-wealth/real-estate-investment-and-management',NULL,NULL,'ACTIVE','2019-03-15 12:18:19','2019-03-19 10:13:45',''),(7,1,'Foreign Residence and Citizenship',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/private-wealth_5.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Foreign Residence and Citizenship</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Castle Family Office assists its clients in obtaining foreign residence permits and citizenship as well as consults on matters referred to dual citizenship and residence.</p>\n<p class=\"service__text\">Investor programs of different jurisdictions are the most reliable and prompt way to get foreign citizenship or residence.</p>\n<p class=\"service__text\">Citizenship-by-investment programs provide are the most flexible for their applicants. Investors may be satisfied by the Malta Individual Investor Program (MIIP) or the Cyprus Citizenship-by-Investment Program (CCIP) as the fastest and most reasonable among others. Both countries are European Union (EU) members and therefore their citizens may travel and settle free within the Union as all EU nationals. Moreover, citizenship benefits include legal protection of settlement as well as rights to live, work, study and retire throughout all EU members and Switzerland.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">In terms of the Caribbean, some clients may also naturalize through a government approved citizenship-by-investment program. The most attractive solutions are all within the Eastern Caribbean. These are independent Commonwealth countries (Antigua &amp; Barbuda, Grenada, St Kitts &amp; Nevis, St Lucia etc.) - a part of the CARICOM. They have visa-free travel to the European Schengen area, the UK and other key jurisdictions.</p>\n<p class=\"service__text\">Castle Family Office also assists and consults its clients with residence-by-investment in Cyprus, Malta, Portugal, Italy, Singapore, Switzerland and the UK.</p>\n</div>\n</div>',NULL,'/private-wealth/foreign-residence-and-citizenship',NULL,NULL,'ACTIVE','2019-03-15 12:24:03','2019-03-19 10:12:16',''),(8,1,'Legal Support',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/legal-support.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Legal Support</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">We work with top professionals and law firms around the world to develop the documentation for structure and governance, and suggest best practices for day-to-day management. Our partners have extensive experience in all major areas of law such as employment and labor relations, providing counsel on benefits administration, executive contracts and compensation, confidentiality agreements and dispute resolution. Where there are requirements for niche expertise, we source the leading experts in those areas and work together with them to provide top quality legal solutions.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">We aim to provide a complete suite of services aimed at ensuring the proper legal support for your business or private assets including:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">Regulatory and Compliance</li>\n<li class=\"service__list-item\">Contracts and Commercial</li>\n<li class=\"service__list-item\">Governance and Risk</li>\n<li class=\"service__list-item\">Tax Planning</li>\n</ul>\n</div>\n</div>',NULL,'/legal-support/legal-support',NULL,NULL,'ACTIVE','2019-03-18 04:47:19','2019-03-29 11:14:09',''),(9,1,'Regulatory and Compliance',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/legal-support_2.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Regulatory and Compliance</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">The modern world is filled with regulations and rules that are often unwieldy and complicated to the public. The repercussions of non-compliance can be serious and key stakeholders are often concern about the regulatory framework which each jurisdiction operates. A sound system of compliance controls is essential in protecting you or your business from regulatory and reputational risks. A strong compliance function will also become a factor of increasing importance which will define and set you apart from competition.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">Even not for business, the everyday lives are often intertwined with regulatory requirements which necessitates proper maneuvers by individuals to stay on the right side of the law. Together with our professional partners, we will assist you in ensuring that you are always keeping with the ever changing landscape while having the best advice in response to the multiverse of situations which may present itself.</p>\n</div>\n</div>',NULL,'/legal-support/regulatory-and-compliance',NULL,NULL,'ACTIVE','2019-03-18 06:52:22','2019-03-29 11:12:35',''),(10,1,'Contracts and commercial',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/legal-support_3.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Contracts and commercial</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Contracts and commercial documents are the basis of for every transaction happening all around the world. It is also the most often overlooked piece of evidence that would later be the subject of conflict between parties. A well drafted contract is also paramount to protect your rights and obligations. Conversely, every document affecting your assets and liabilities needs a professional opinion to ensure that you are not signing away your assets without recourse or agreeing to a bottomless pit of debts.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">Our partners are among the top law firms in the world; well versed in the commercial pitfalls and boilerplate clauses that are so common yet easily confusing. These partners are able to draft and advice fully on all type of documents ranging from a simple trust deed to the most complicated of mergers and acquisition transactions. With the world getting smaller, we provide the international link to a worldwide network of top lawyers in their respective industries and specializations so you receive a one stop solution to your cross borders transaction.</p>\n</div>\n</div>',NULL,'/legal-support/contracts-and-commercial',NULL,NULL,'ACTIVE','2019-03-18 06:52:56','2019-03-18 07:42:04',''),(11,1,'Governance and Risk',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/legal-support_4.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Governance and Risk</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Together with our partners, we can offer our clients quality expertise on corporate governance and risk management issues with reference to global legislative and regulatory trends. With a wide range of bespoke options, you can choose to outsource the whole or partial of governance and secretarial administration to us to benefit from direct access to professional advisers, increased efficiency, and cost savings. We work with the best specialists in the field which also enables our clients to focus their efforts on business development with the assurance that all business statutory obligations are being complied with and met.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">We understand that our clients have to mitigate the risks they face in areas such as regulatory change, new legislation, and threats to political instability. Our team works with international counsel and financial advisors to offer sector-specific expertise in areas such as financial services and commodities. Our compliance experts also work with businesses and organizations to build resilience and to embed good risk management practices giving a holistic solution to all your problems.</p>\n</div>\n</div>',NULL,'/legal-support/governance-and-risk',NULL,NULL,'ACTIVE','2019-03-18 06:53:29','2019-03-18 08:38:11',''),(12,1,'Tax Planning',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/legal-support_5.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\">\n<p class=\"navigation__text navigation__text_right service__navigation-text\">往来</p>\n</div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Tax Planning</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">We pride ourselves in knowing that our clients are High Net Worth and Ultra High Net Worth individuals and families who often encounter situations that require sophisticated estate, gift and tax planning. Working with our global associates, we offer opportunities to maximize tax efficiencies, freeing up assets, time and energy for the revitalization of a family or business through planned or even unexpected intergenerational transfers of wealth and business.</p>\n</div>\n<div class=\"service__text-column service__text-column_right\">&nbsp;</div>\n</div>',NULL,'/legal-support/tax-planning',NULL,NULL,'ACTIVE','2019-03-18 06:57:38','2019-03-18 08:53:41',''),(13,1,'Succession planning',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/corporate-services.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Succession planning</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Castle Family Office provides complex service and support on the following matters:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">Incorporation and Administration of Companies</li>\n<li class=\"service__list-item\">Accounting and Tax Packages for Companies</li>\n<li class=\"service__list-item\">Establishment, Management and Administration of Trusts</li>\n</ul>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">Our philosophy:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">Excellence and integrity</li>\n<li class=\"service__list-item\">Security and confidentiality</li>\n<li class=\"service__list-item\">Confidence and transparency</li>\n<li class=\"service__list-item\">Individual approach to every client</li>\n<li class=\"service__list-item\">Permanent improvement of our services and support</li>\n<li class=\"service__list-item\">Involving only qualified and professional advisors</li>\n<li class=\"service__list-item\">Efficient cooperation with third parties for the best interests of our clients</li>\n</ul>\n</div>\n</div>',NULL,'/corporate-services/succession-planning',NULL,NULL,'ACTIVE','2019-03-18 09:20:26','2019-03-29 10:59:30',''),(14,1,'Incorporation and Administration of Companies',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/corporate-services_2.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Incorporation and Administration of Companies</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Foreign company may be established for the following purposes:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">asset protection;</li>\n<li class=\"service__list-item\">tax planning;</li>\n<li class=\"service__list-item\">raising foreign investments and financing as well as efficient settlement of foreign trade transactions;</li>\n</ul>\n<p class=\"service__text\">Castle Family Office assists its clients on the following matters:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">incorporation of companies (establishment and incorporation, change in shareholding, appointment and removal of directors etc.);</li>\n<li class=\"service__list-item\">directors service;</li>\n<li class=\"service__list-item\">corporate secretarial services;</li>\n<li class=\"service__list-item\">foreign bank accounts;</li>\n</ul>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">Singapore is the main jurisdiction covered by Castle Family Office in respect of the aforementioned services and support. Singapore offers a stable and progressive economic environment for operating companies and other types of businesses. Singapore also has an extensive network of international tax treaties with many countries around the world. Against such a backdrop, Singapore is amongst the world&rsquo;s leading financial hub, with strong internal governance and access to a wide range of financial products and services. Singapore is also the safest jurisdiction to do business according to the Pinkerton Risk Index and among the top 3 economies in the World Bank&rsquo;s Ease of Doing Business rankings for the past eleventh consecutive years.</p>\n</div>\n</div>',NULL,'/corporate-services/incorporation-and-administration-of-companies',NULL,NULL,'ACTIVE','2019-03-18 13:53:59','2019-03-29 10:57:06',''),(15,1,'Establishment, Management and Administration of Trusts',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/corporate-services_3.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Establishment, Management and Administration of Trusts</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Castle Family Office assists its clients on selecting relevant professional trustee services. We can offer our clients quality expertise on the market. In general, professional trustee services are as follows:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">establishment of a trust (usually with a company holding the assets in trust);</li>\n<li class=\"service__list-item\">administration of trust including management of the assets in trust, trust accounting and distributions to beneficiaries;</li>\n<li class=\"service__list-item\">services and matters referred to protector of trust;</li>\n<li class=\"service__list-item\">acting as executor and trustee of a will;</li>\n<li class=\"service__list-item\">escrow services i.e. acting as an independent third party to hold and release funds (placed in escrow account) on behalf of parties involved in commercial transactions (e.g. transactions for sale of passions or real estate) etc.</li>\n</ul>\n<p class=\"service__text\">Trust structures have the following benefits:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">favorable taxation;</li>\n<li class=\"service__list-item\">effective inheritance planning;</li>\n<li class=\"service__list-item\">in general, foreign beneficiaries are not taxed within Singapore on foreign-sourced income;</li>\n<li class=\"service__list-item\">funds can be anytime infused in existing trusts;</li>\n<li class=\"service__list-item\">trust can be a part of corporate business structure;</li>\n<li class=\"service__list-item\">confidentiality of trust relations;</li>\n<li class=\"service__list-item\">legal protection of assets against third parties&rsquo; claims;</li>\n</ul>\n<p class=\"service__text\">Basics and specifics of trust relations are as follows:</p>\n<ol class=\"service__list service__list_ordered\">\n<li class=\"service__list-item\">Legal title of assets is transferred to the trustee.</li>\n<li class=\"service__list-item\">A trustee holds the assets in trust for the equity interest of beneficiaries.</li>\n<li class=\"service__list-item\">A settlor and beneficiaries are without legal title to assets in trust.</li>\n<li class=\"service__list-item\">Beneficiaries have a beneficial ownership (equity interest) of assets in trust.</li>\n<li class=\"service__list-item\">A trust deed sets out beneficiaries, period of trust, trustee powers etc.</li>\n<li class=\"service__list-item\">All Trust documents are subject to trust confidentiality under Section 49 of Singapore Trust Companies Act (Cap. 336).</li>\n<li class=\"service__list-item\">Singapore Trustees Act (Section 90(5)) entitles a settlor to reserve his power of investment of assets in trust. He may determine an external manager in order to manage the assets in trust (administration of trust itself will be still retained by a trustee).</li>\n</ol>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">Specifics of establishment and using Private Trust Companies (PTC):</p>\n<ol class=\"service__list service__list_ordered\">\n<li class=\"service__list-item\">PTC may act as a trustee without obtaining a license required for trustee business in Singapore. However, such trustee is only entitled to manage a trust of a single family. PTC must not provide its services to the public.</li>\n<li class=\"service__list-item\">Management bodies of PTC may be represented by the client&rsquo;s family members, trusted persons, lawyers or even by himself.</li>\n<li class=\"service__list-item\">PTC may simultaneously act as a Trustee and company holding assets in trust.</li>\n<li class=\"service__list-item\">PTC must be supervised by a professional trustee for AML purposes in respect of assets in trust. The professional trustee will be in charge for administration of the trust.</li>\n<li class=\"service__list-item\">PTC will manage through the external asset manager the assets in trust for investment purposes for the benefit of beneficiaries.</li>\n</ol>\n<p class=\"service__text\">Castle Family Office has individual approach to solutions related to establishment, administration and management of trust structures in Singapore. Castle Family Office may assist its clients on choosing a professional trustee service, establishment proper communication with all parties of a trust and managing its investment portfolio.</p>\n</div>\n</div>',NULL,'/corporate-services/establishment-management-and-administration-of-trusts',NULL,NULL,'ACTIVE','2019-03-18 13:55:09','2019-03-29 11:00:43',''),(16,1,'Accounting and Tax Packages for Companies',NULL,'<div class=\"service__img-block\"><img class=\"service__img\" src=\"/images/corporate-services_4.jpg\" alt=\"\" />\n<div class=\"navigation service__navigation\"><a class=\"navigation__text navigation__text_right service__navigation-text\" href=\"/contact-us\">Contacts</a></div>\n</div>\n<div class=\"service__text-block\">\n<h3 class=\"service__heading\">Accounting and Tax Packages for Companies</h3>\n<div class=\"service__line\">&nbsp;</div>\n<div class=\"service__text-column service__text-column_left\">\n<p class=\"service__text\">Within its Corporate Service, Castle Family Office provides complex services related to accounting and tax statements for foreign companies and other forms of businesses in Singapore.</p>\n<p class=\"service__text\">These services include (but not limited to) the following:</p>\n<ul class=\"service__list\">\n<li class=\"service__list-item\">financial statements and corporate tax packages;</li>\n<li class=\"service__list-item\">annual general meeting package;</li>\n<li class=\"service__list-item\">compilation of financial statements;</li>\n<li class=\"service__list-item\">corporate tax submission service;</li>\n<li class=\"service__list-item\">ad hoc GST submission;</li>\n<li class=\"service__list-item\">payroll service; etc.</li>\n</ul>\n</div>\n<div class=\"service__text-column service__text-column_right\">\n<p class=\"service__text\">With our partners, Castle Family Office provides clients with services ranging from plain accounting to finding creative solutions for a highly personalized resolution. Our focus is to design and assist in the implementation of creative, effective plans focused on the goals and needs of our clients. We are able to draw on the resources of large firms as needed to provide truly customized plans for each of our clients.</p>\n</div>\n</div>',NULL,'/corporate-services/accounting-and-tax-packages-for-companies',NULL,NULL,'ACTIVE','2019-03-18 13:57:18','2019-03-29 11:11:25',''),(17,1,'Contact us',NULL,'<h3 class=\"heading contacts__title\">Contacts us</h3>\n<div class=\"divider contacts__divider\">&nbsp;</div>\n<div class=\"contacts__text-block\">\n<div class=\"contacts__line\">&nbsp;</div>\n<p class=\"contacts__text\">Singapore</p>\n<p class=\"contacts__text\">20 Upper Circular Road 02-03/07, The Riverwalk, Singapore, 058416</p>\n</div>',NULL,'contact-us',NULL,NULL,'ACTIVE','2019-03-21 17:11:50','2019-03-25 04:35:17',''),(18,1,'Terms of use',NULL,'<h2 class=\"title disclaimer__title\">Terms of use</h2>\n<p class=\"text disclaimer__text\">Castle is a trademark for Knightsbridge Capital Markets Pte. Ltd. (hereinafter the &ldquo;Company&rdquo;) and its subsidiaries, affiliates and/or licensees, both foreign and domestic, where applicable.</p>\n<p class=\"text disclaimer__text\">Please read this terms and conditions carefully. By accessing this web site and any pages hereof, you indicate that you have read, acknowledged and agreed to be bound by this Terms of Use. If you do not agree to this Terms of Use, please cease to access this web site. The Company reserves the right to change and/or update this Terms of Use as and when necessary, according to relevant jurisdiction and/or regulation, which you are responsible for regularly reviewing. Your continued use of this web site shall constitute your agreement to all such changes and/or updates.</p>\n<p class=\"text disclaimer__text\">By accessing and/or using this web site, you consent to the processing of your personal data and using cookies. Please see our <a href=\"https://castle-familyoffice.sg/cookies-policy\">Cookies Policy</a> for more information. You acknowledge and agree that if you choose to reject our cookies, some or all parts of this web site may not function properly or may not be accessible.</p>\n<p class=\"text disclaimer__text\"><strong>Web Site Content</strong></p>\n<p class=\"text disclaimer__text\">Certain contents and products found in this Web Site may not be directed and/or intended for the general public. Unless otherwise indicated, this Web Site&rsquo;s content is made available by the Company.</p>\n<p class=\"text disclaimer__text\">By agreeing to this Terms of Use, you expressly represent and warrant that you are either an &lsquo;accredited investor&rsquo;, &lsquo;institutional investor&rsquo;, &lsquo;professional client&rsquo; or &lsquo;eligible counterparty&rsquo;, or its equivalent investor class in accordance with applicable laws and regulations of any relevant jurisdiction, and acknowledge that certain disclosure requirements and protection, as afforded to retail investors, in relation to the contents of this Web Site, do not apply to you as a recipient.</p>\n<p class=\"text disclaimer__text\">The Company shall not be responsible and/or liable for any persons&rsquo; non-compliance and/or misrepresentation under this clause.</p>\n<p class=\"text disclaimer__text\"><strong>General Information</strong></p>\n<p class=\"text disclaimer__text\">This web site is comprised of various web pages operated by the Company (collectively, the &ldquo;Web Site&rdquo;). Certain sections of or pages on this Web Site may contain separate terms and conditions, which are in addition to this Terms of Use. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern your use of those sections or pages.</p>\n<p class=\"text disclaimer__text\">Unauthorized use of the Company&rsquo;s Web Site and systems, including, but not limited to, unauthorized entry into the Company&rsquo;s systems, misuse of passwords and/or misuse of any other information, is strictly prohibited. You may not use this Web Site in any manner that could damage, disable, overburden or impair any the Company&rsquo;s site or service or interfere with any other party&rsquo;s use and enjoyment of any the Company&rsquo;s site or service. You may not attempt to gain unauthorized access to any the Company&rsquo;s site or service, computer systems or networks connected to any the Company&rsquo;s site or service, through hacking, password mining and/or any other means. You agree that you will not engage in any activity related to this Web Site that is contrary to applicable laws or regulations.</p>\n<p class=\"text disclaimer__text\">The Company reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve and/or correct the information, materials and descriptions on this Web Site and to suspend and/or deny access to this Web Site for scheduled or unscheduled maintenance, upgrades, improvements and/or corrections. The information and materials on this Web Site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and the Company does not undertake any obligation or responsibility to update or amend any such information. the Company may discontinue or change any product or service described in or offered on this Web Site at any time.</p>\n<p class=\"text disclaimer__text\"><strong>Disclaimer of Warranty and Limitation of Liability</strong></p>\n<p class=\"text disclaimer__text\">The information, products and services on this Web Site are provided on an &ldquo;AS IS WHERE IS&rdquo; and &ldquo;WHERE AVAILABLE&rdquo; basis. The Company does not warrant the information or services provided herein or your use of this Web Site generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. The Company will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this Web Site. Although the information provided to you on this Web Site is obtained or compiled from sources we believe to be reliable, the Company cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither the Company, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Web Site, or resulting from the act or omission of any other party involved in making this Web Site, the data contained herein or the products or services offered on this Web Site available to you, or from any other cause relating to your access to, inability to access, or use of the Web Site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the Company or of any vendor providing software or services. In no event will the Company or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if the Company or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user&rsquo;s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. The Company cannot and does not guarantee continuous, uninterrupted or secure access to the web site.</p>\n<p class=\"text disclaimer__text\"><strong>Corporate Identification, Trademarks and Propreitary Rights</strong></p>\n<p class=\"text disclaimer__text\">The company logo, trademarks and/or service marks featured herein are the property of the Company. The names of other companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners. You are prohibited from using any marks for any purpose whatsoever including, but not limited to, use as metatags on other pages or sites on the internet without the written permission of the Company or such third party, which may own the marks.</p>\n<p class=\"text disclaimer__text\">Unless otherwise specified, this Web Site is for personal and non-commercial use only and you may print, copy and download any information or portion of this Web Site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web Site, except for the purposes expressly provided herein, without the Company&rsquo;s prior written approval.</p>\n<p class=\"text disclaimer__text\">The materials located on the Web Site, including the information as well as any software programs available on or through the Web Site (&ldquo;Information&rdquo;), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Information are owned and controlled by the Company and/or its affiliates.</p>\n<p class=\"text disclaimer__text\">The Company takes a serious view regarding the plagiarism of the Information and/or Web Site. Plagiarism includes, Direct plagiarism; Accidental plagiarism and Mosaic plagiarism.</p>\n<p class=\"text disclaimer__text\"><span style=\"text-decoration: underline;\">Direct plagiarism</span></p>\n<p class=\"text disclaimer__text\">This form of plagiarism refers to the direct usage of another&rsquo;s work in your submission. If you directly duplicate material without attributing it (by including in-text and bibliography references), you are committing direct plagiarism.</p>\n<p class=\"text disclaimer__text\"><span style=\"text-decoration: underline;\">Accidental plagiarism</span></p>\n<p class=\"text disclaimer__text\">While direct plagiarism is an intentional act, accidental plagiarism is unintentional and is a result of failing to properly cite your sources (by including in-text references in your work and full references in the bibliography). Be careful to attribute all sources that you have drawn from.</p>\n<p class=\"text disclaimer__text\"><span style=\"text-decoration: underline;\">Mosaic plagiarism</span></p>\n<p class=\"text disclaimer__text\">This kind of plagiarism is a result of patching together numerous sources, without citation, to create a unique, if not original, piece of work. It is important to indicate all sources used, both in in-text and bibliographic references.</p>\n<p class=\"text disclaimer__text\">Accordingly, except as otherwise provided herein, the Information and Web Site must not be reproduced, republished, uploaded, posted, transmitted, copied, plagiarized or otherwise distributed in any way, without the prior written permission of the Company.</p>\n<p class=\"text disclaimer__text\"><strong>Use of Links</strong></p>\n<p class=\"text disclaimer__text\">This Web Site contains links to third party web sites. These links are provided only as a means of convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification and/or monitoring by the Company of any information contained in any third party web site. In no event shall the Company be responsible and/or liable for the information contained on a third party site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site&rsquo;s privacy policy may be different from those applicable to your use of this Web Site.</p>\n<p class=\"text disclaimer__text\"><strong>Securities Products</strong></p>\n<p class=\"text disclaimer__text\">None of the information contained in this Web Site constitutes a recommendation, solicitation, advice or offer by the Company. The information contained in this Web Site has been prepared without reference to any particular user&rsquo;s investment requirements or financial situation. Certain transactions give rise to substantial risk and are not suitable for all investors. Upon the execution of any transaction by you involving information you received from this Web Site, it shall be presumed that relevant research and advice has been conducted and obtained by you.</p>\n<p class=\"text disclaimer__text\">Any pricing and information generated through the use of data or services made available herein shall not be taken as prices or values in real time. The information and services provided on this Web Site shall not be provided to and/or be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or where the Company is not authorized to provide such information or services. Some products and services described in this web site may not be available in all jurisdictions or to all clients.</p>\n<p class=\"text disclaimer__text\"><strong>Privacy &amp; Cookies</strong></p>\n<p class=\"text disclaimer__text\">The Company may process personal data as part of and/or in connection with your access and/or use of this Web Site. This includes using cookies and similar technology to collect information about your use of our Web Site and your preferences.</p>\n<p class=\"text disclaimer__text\">To find out more information about the Company&rsquo;s personal data processes and how we use cookies, please refer to our Privacy Policy and Cookies Policy respectively.</p>\n<p class=\"text disclaimer__text\"><strong>Choice of Law</strong></p>\n<p class=\"text disclaimer__text\">This Terms of Use shall be governed by and construed in accordance with the laws of Singapore, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this Terms of Use shall be in an appropriate court located in Singapore. Any cause of action you may have with respect to your use of this Web Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of this Terms of Use, and the remainder of this Terms of Use shall continue in full force and effect. This Terms of Use constitutes the entire agreement between the Company and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between the Company and you with respect to the subject matter hereof. A printed version of this Terms of Use shall be admissible in judicial or administrative proceedings.</p>\n<p class=\"text disclaimer__text\">In the event you do not agree to the terms and conditions as set out in the <a href=\"https://castle-familyoffice.sg/privacy-policy\">Privacy Policy</a> and/or <a href=\"https://castle-familyoffice.sg/cookies-policy\">Cookies Policy</a>, after agreeing to this Terms of Use, please cease to access the Web Site and exit immediately.</p>',NULL,'terms-of-use',NULL,NULL,'ACTIVE','2019-03-29 05:12:52','2019-03-29 08:15:06',''),(19,1,'Privacy policy',NULL,'<h2 class=\"privacy-policy__title\">Privacy policy</h2>\n<p class=\"privacy-policy__text text\">Castle Family Office has a long-standing commitment to safeguard the privacy of information entrusted to us by our clients. Protecting the confidentiality and security of such information is an integral part of how we conduct our business worldwide. We pledge to continue to ensure that your privacy is protected.</p>\n<h3 class=\"privacy-policy__heading heading\">We respect your Privacy</h3>\n<p class=\"privacy-policy__text text\">In the course of serving you as an individual or as someone associated with a corporation or institution, Castle Family Office may collect, hold, use and/or disclose information received, which may constitute personal data, where applicable and in accordance to personal data laws in relevant jurisdictions.</p>\n<p class=\"privacy-policy__text text\">Unless advised otherwise, all references to Castle Family Office, &ldquo;we&rdquo;, or &ldquo;our&rdquo; in this Privacy Policy includes, individually and collectively, Castle Family Office that process personal data in the relevant jurisdiction. You may, however, in connection with specific products or services offered by Castle Family Office, be provided with privacy policies or statements that supplement this Privacy Policy.</p>\n<h3 class=\"privacy-policy__heading heading\">This Privacy Policy describes:</h3>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">What personal data we collect;</li>\n<li class=\"privacy-policy__item\">How we collect your personal data;</li>\n<li class=\"privacy-policy__item\">The purposes for which we use your personal data;</li>\n<li class=\"privacy-policy__item\">Monitoring;</li>\n<li class=\"privacy-policy__item\">When we disclose your personal data;</li>\n<li class=\"privacy-policy__item\">How we protect the security and confidentiality of your personal data;</li>\n<li class=\"privacy-policy__item\">Your rights under relevant jurisdiction Data Protection Laws;</li>\n<li class=\"privacy-policy__item\">How we update this Privacy Statement; and</li>\n<li class=\"privacy-policy__item\">How you can contact us;</li>\n</ul>\n<p class=\"privacy-policy__text text\">Please read this Privacy Policy carefully to understand how we process your personal data.</p>\n<h3 class=\"privacy-policy__heading heading\">What Personal Data do we collect?</h3>\n<p class=\"privacy-policy__text text\">If you deal with Castle Family Office as a private client or otherwise in your individual capacity e.g. relating to a trust or investment vehicle established to invest on your behalf, then typically we collect the following types of personal data about you:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">Personal details such as name, age, occupation and marital status;</li>\n<li class=\"privacy-policy__item\">Contact details such as address, telephone, email, in some cases both private and work related contact details;</li>\n<li class=\"privacy-policy__item\">Identification documents, such as your passport, copies which may generally include a head and shoulders photograph from, as applicable, your passport, national identity card or driver&rsquo;s license, as required by laws and regulations addressing due diligence and related matters;</li>\n<li class=\"privacy-policy__item\">A personal identifier such as, depending on your country of residence, your Social Security Number, National Insurance Number, Tax File Number, etc.;</li>\n<li class=\"privacy-policy__item\">Extensive financial information, including source of wealth, investment experience and objectives, risk tolerance and, in certain jurisdictions, representations required under applicable law or regulation concerning your financial resources; and</li>\n<li class=\"privacy-policy__item\">Data obtained during the recruitment process.</li>\n</ul>\n<p class=\"privacy-policy__text text\">If you deal with Castle Family Office in the capacity of an officer, employee, director and/or principal of a corporate or institutional client, the typical personal data we collect about you personally would include:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">Your name and contact details;</li>\n<li class=\"privacy-policy__item\">Your role/position/title and area of responsibility; and</li>\n<li class=\"privacy-policy__item\">Certain identifying information (e.g. passport photo, etc.) as required by laws and regulations addressing money laundering and related matters.</li>\n</ul>\n<p class=\"privacy-policy__text text\">Please note that the types of personal data information mentioned above are not exhaustive and we may require further information from you where applicable.</p>\n<p class=\"privacy-policy__text text\">Of course, you are not obligated to supply any of the personal data that we may request. However, failure to supply any of the personal data that we may request may result in our being unable to provide services to you or your company, discuss any other opportunities with you and/or deal with you on any other matter related to our services.</p>\n<p class=\"privacy-policy__text text\">While we make every effort to ensure that all information furnished to us are accurate, complete and up to date, you can help us considerably in this regard by promptly notifying us if there are any changes to your personal data. We shall not be responsible for the authenticity of any personal data or sensitive personal data or any losses arising from any inaccurate or deficient personal data that you supply to us.</p>\n<h3 class=\"privacy-policy__heading heading\">How do we collect your Personal Data?</h3>\n<p class=\"privacy-policy__text text\">The personal data we collect from you come primarily from information that you submit to us during the course of your relationship with us. We obtain your personal data from the application form and documents submitted by you when you register with us, from your transactions with us, from your access to or use of our products and services or from third parties authorized to provide us with such information. We also collect personal data when we monitor or record our communications with you or through use of certain technology as detailed further below.</p>\n<h3 class=\"privacy-policy__heading heading\">What are the purposes for which we use your Personal Data?</h3>\n<p class=\"privacy-policy__text text\">We may process and use your personal data to:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">Administer, manage and operate services in accordance with the agreement entered into between you and Castle Family Office and for our billing purposes;</li>\n<li class=\"privacy-policy__item\">In the course of the operational support and development of our businesses;</li>\n<li class=\"privacy-policy__item\">To carry out credit, money laundering and conflict checks and for fraud prevention purposes, (and this may include consideration of information regarding political affiliations and criminal offences committed or alleged to have been committed);</li>\n<li class=\"privacy-policy__item\">To contact you about other services and products we offer;</li>\n<li class=\"privacy-policy__item\">To exercise and defend our legal rights;</li>\n<li class=\"privacy-policy__item\">In order to comply with legal and regulatory obligations and requests anywhere in the world, (including reporting to and being audited by national and international regulatory, enforcement or exchange bodies and complying with court orders);</li>\n<li class=\"privacy-policy__item\">For recruitment purposes, to confirm your references and educational background and to consider your suitability for any current or future recruitment requirements.</li>\n<li class=\"privacy-policy__item\">For any other legitimate business purposes; and</li>\n<li class=\"privacy-policy__item\">As otherwise permitted under relevant applicable law and/or regulation.</li>\n</ul>\n<h3 class=\"privacy-policy__heading heading\">Monitoring</h3>\n<p class=\"privacy-policy__text text\">Castle Family Office will record and/or monitor communications such as email, instant messaging, post, facsimile, telephone and any other means of communications, not specifically mentioned herein, with you and/or your agent(s) to the extent permissible under the applicable law for legitimate business purposes and for purposes permitted by law from time to time, including without limitation:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">to safe guard against any unauthorized and unlawful conduct;</li>\n<li class=\"privacy-policy__item\">establishing the existence of facts (e.g., keeping records of transactions);</li>\n<li class=\"privacy-policy__item\">ascertaining compliance with regulatory or self-regulatory practices or procedures which relate to Castle Family Office;</li>\n<li class=\"privacy-policy__item\">preventing or detecting crime;</li>\n<li class=\"privacy-policy__item\">investigating or detecting unauthorised use of our systems and other materials (e.g., monitoring to ensure compliance with our policies and procedures and to evaluate the quality of customer service);</li>\n<li class=\"privacy-policy__item\">for security or health and safety purposes; and/or</li>\n<li class=\"privacy-policy__item\">support, training and administration purposes.</li>\n</ul>\n<h3 class=\"privacy-policy__heading heading\">When do we Disclose Personal Data we collect about you?</h3>\n<p class=\"privacy-policy__text text\">You should know that:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">Castle Family Office does not sell, rent, trade your personal data; and</li>\n<li class=\"privacy-policy__item\">Castle Family Office does not disclose your personal data, except as abovementioned in this Privacy Policy.</li>\n</ul>\n<p class=\"privacy-policy__text text\">Our processing and use of your personal data, for the purposes specified in this Privacy Policy, may include disclosure of your personal data for the following activity(ies):</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">To other persons processing your personal data on our behalf or otherwise providing us or them with professional or other services;</li>\n<li class=\"privacy-policy__item\">To third parties such as banks or exchange to whom we disclose in the course of providing products and services to you;</li>\n<li class=\"privacy-policy__item\">To credit reference, fraud prevention and other similar agencies, and other financial institutions, with whom information is shared for credit and money laundering checking and fraud prevention purposes;</li>\n<li class=\"privacy-policy__item\">To persons to whom we assign or novate our rights or obligations;</li>\n<li class=\"privacy-policy__item\">To prospective seller or buyer in the event that we sell or buy any business or assets or if all or substantially all of our assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets; and/or</li>\n<li class=\"privacy-policy__item\">To national and international regulatory, enforcement or exchange bodies or courts anywhere in the world as required by applicable law or regulations anywhere in the world or at their request.</li>\n</ul>\n<p class=\"privacy-policy__text text\">These disclosures may involve overseas storage and other overseas transfer, processing and use of your personal data, and disclosure to these third parties, including in or to countries or territories which do not offer the same level of protection of personal data as may be enjoyed within your home country.</p>\n<h3 class=\"privacy-policy__heading heading\">How do we Protect the Security and Confidentiality of your Personal Data we collect about you?</h3>\n<p class=\"privacy-policy__text text\">Castle Family Office maintains appropriate physical, technical and procedural safeguards to protect any information that you provide to us from accidental or unauthorised loss, misuse, damage, modification, access and/or disclosure.</p>\n<p class=\"privacy-policy__text text\">Castle Family Office has established an information security system to:</p>\n<ul class=\"privacy-policy__list\">\n<li class=\"privacy-policy__item\">Safeguard the confidentiality and privacy of information resources;</li>\n<li class=\"privacy-policy__item\">Properly classify information resources;</li>\n<li class=\"privacy-policy__item\">Meet legal and regulatory obligations concerning the protection of information resources;</li>\n<li class=\"privacy-policy__item\">Implement and maintain information security policies and procedures;</li>\n<li class=\"privacy-policy__item\">Integrate protection of information resources into the process lifecycles of the business;</li>\n<li class=\"privacy-policy__item\">Educate those working for or on behalf of Castle Family Office on policies and responsibilities; and</li>\n<li class=\"privacy-policy__item\">Authenticate users and limit access to information resources based on authorization that has been granted.</li>\n</ul>\n<p class=\"privacy-policy__text text\">Third parties who process your personal data on our behalf are required to adhere to appropriate security standards to protect such information against unauthorised access, destruction, loss and/or disclosure.</p>\n<h3 class=\"privacy-policy__heading heading\">What rights do you have?</h3>\n<p class=\"privacy-policy__text text\">If you wish to access a copy of your personal data or you wish to modify any personal data which we hold about you, or you want us to cease processing any of your personal data held by us, subject to applicable law, you can do so by written request to Castle Family Office.</p>\n<p class=\"privacy-policy__text text\">In the case of a request for access to personal data, we reserve the right to request for a valid means of identification as a security precaution to assist us in preventing any unauthorized disclosure of your personal data. We will process your request within a reasonable time.</p>\n<h3 class=\"privacy-policy__heading heading\">How do we update this Privacy Policy?</h3>\n<p class=\"privacy-policy__text text\">We may change and/or update portions of this Privacy Policy to reflect changes in our practices and/or applicable law and regulation. Please check this Privacy Policy from time to time so you are aware of any changes or updates to the Privacy Policy, which may be indicated by a change in the effective date noted at the beginning of the Privacy Policy. We shall not be held responsible and/or liable for not giving prior notice to any change and/or update made to this Privacy Policy.</p>\n<h3 class=\"privacy-policy__heading heading\">How can you Contact Us?</h3>\n<p class=\"privacy-policy__text text\">If you would like to contact us in respect of any element of this Privacy Policy, including, without limitation and subject to applicable law, where you wish to access a copy of your personal data or where you wish to raise a complaint or grievance please contact us by filling up &ldquo;Contact Us&rdquo; form contained on the website.</p>',NULL,'privacy-policy',NULL,NULL,'ACTIVE','2019-03-29 05:20:37','2019-03-29 05:20:37',''),(20,1,'Cookies policy',NULL,'<h2 class=\"cookies-policy__title\">Cookies policy</h2>\n<h3 class=\"cookies-policy__heading heading\">How do we use Cookies and similar Technology?</h3>\n<p class=\"cookies-policy__text text\">We use cookies and similar technology on our websites to collect information from visitors. Cookies are small, usually randomly encoded, text files that help your browser navigate through our websites. The cookie file is generated by our website when you access it and is accepted and processed by your computer&rsquo;s browser software. The cookie file is stored in your browser&rsquo;s folder or subfolder.</p>\n<p class=\"cookies-policy__text text\">Cookies enable Castle Family Office to compile statistical information about how you use our websites, including information relating to the frequency of visits, IP addresses, the average length of visits, which pages are viewed during a visit, the effectiveness of advertising on our websites, authentication information, acceptance or rejection of website terms, periods of inactivity, time zones, language preferences and other regional information.</p>\n<h3 class=\"cookies-policy__heading heading\">We use this cookie information for the following purposes:</h3>\n<ul class=\"cookies-policy__list\">\n<li class=\"cookies-policy__item\">To improve the website content and performance;</li>\n<li class=\"cookies-policy__item\">To estimate our audience size and usage pattern;</li>\n<li class=\"cookies-policy__item\">To speed up your searches;</li>\n<li class=\"cookies-policy__item\">To enable log in and authentication when you log onto our sites;</li>\n<li class=\"cookies-policy__item\">To recognize you when you return to our sites; and</li>\n<li class=\"cookies-policy__item\">To deliver a better and more personalised service by allowing us to customise our site according to your individual interests;</li>\n</ul>\n<p class=\"cookies-policy__text text\">Information held in cookies set by Castle Family Office are kept to a minimum and can only be read by Castle Family Office or by someone who has physical access to your personal computer. Many web browsers allow you to control the use of most cookies through their browser settings. To learn more about cookies, including information on what cookies have been set on your computer and how cookies can be managed and deleted, visit&nbsp;<a href=\"www.allaboutcookies.org\" target=\"_blank\" rel=\"noopener\">www.allaboutcookies.org</a>. Some of our websites use Google Analytics to track your activity. To opt out of being tracked by Google Analytics across all websites visit&nbsp;<a href=\"http://tools.google.com/dlpage/gaoptout\" target=\"_blank\" rel=\"noopener\">http://tools.google.com/dlpage/gaoptout</a></p>\n<p class=\"cookies-policy__text text\">Unless you have adjusted your browser setting so that it will reject cookies, our system will issue cookies when you access or use our websites. By accessing or using our websites you consent to Castle Family Office using cookies. In the event you refuse to accept cookies by adjusting your browser setting, some or all areas of our websites may not function properly or may not be accessible.</p>\n<h3 class=\"cookies-policy__heading heading\">How do we update this Cookie Policy?</h3>\n<p class=\"cookies-policy__text text\">We may change and/or update portions of this Cookie Policy to reflect changes in our practices and/or applicable law and regulation. Please check this Cookie Policy from time to time so you are aware of any changes or updates to the Cookie Policy, which may be indicated by a change in the effective date noted at the beginning of the Cookie Policy. We shall not be held responsible and/or liable for not giving any prior notice to any change and/or update in this Cookie Policy.</p>\n<h3 class=\"cookies-policy__heading heading\">How can you Contact Us?</h3>\n<p class=\"cookies-policy__text text\">If you would like to contact us in respect of any element of this Cookie Policy, including, without limitation and subject to applicable law, where you wish to access a copy of your personal data or where you wish to raise a complaint or grievance please contact us by filling up &ldquo;Contact Us&rdquo; form contained on the website.</p>',NULL,'cookies-policy',NULL,NULL,'ACTIVE','2019-03-29 05:25:00','2019-03-29 05:25:00','');

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  CONSTRAINT `permission_role_role_id_foreign` FOREIGN KEY (`role_id`) REFERENCES `roles` (`id`) ON DELETE CASCADE
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  PRIMARY KEY (`id`),
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--
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  `views` mediumint(8) unsigned DEFAULT NULL,
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--
-- Dumping data for table `posts`
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INSERT INTO `posts` VALUES (1,1,1,'What awaits Bitcoin in 2019?',NULL,'2018 was for BTC strength test. The aggravation of the 2017 bull trend, gave way to negativity and apathy, and market sentiment around the cryptocurrency is less rosy than ever','<p>2018 was for BTC strength test. The aggravation of the 2017 bull trend, gave way to negativity and apathy, and market sentiment around the cryptocurrency is less rosy than ever.</p>\n<p><span>Now BTC has a huge potential. The king of cryptocurrencies has attracted the attention of the world\'s largest financial institutions, and now instead of the past indifference one can find a lively interest. Despite the prevailing sense of negativity, at the end of 2018 - 2019 events are expected that could trigger a new rally. BTC infrastructure upgrades occur at a frantic pace that was not previously observed. This wave will cover everything that came before it.</span></p>\n<p>The main event will be the Bakkt platform connected to the Intercontinental exchange, as well as Microsoft and Starbucks. This unique product will make access to BTC easier for all types of investors. The launch was supposed to be in November 2018, but it was postponed to January 29, 2019.</p>\n<p>Secondly, the financial monsters Morgan Stanley and Citigroup aroused great interest. Both run futures and derivatives on BTC. It is believed that such a move is able to ensure the stability of a highly volatile asset class. In turn, this will make investments in BTC more attractive for investors who are considering stable growth of assets in the medium and long term.</p>\n<p>Third, Goldman Sachs plans to enter the market as a marketplace. These three events, combined with such world names, will undoubtedly inspire confidence in other institutions and make you understand that BTC will not disappear from the face of the earth.</p>\n<p>Fourth, projects on the implementation of a new crypto ETF format, proposed by the Securities and Exchange Commission, gained hope for development only after the appointment of Elad Roisman as the Commissioner.</p>\n<p>Fifth, moving away from the financial interest of BTC, technical discoveries continue to develop. The Lightning network continues to open new channels that allow BTC to process a much larger number of transactions. By the time the next uptrend begins, updates have the prospect of being ready.</p>\n<p>BTC reached last year\'s record level, even without many upcoming events that will happen soon. All of these events, or any of them, can be a catalyst for raising prices for cryptocurrencies. As soon as the locomotive starts the engine, and the train starts moving, a huge number of people covered with great interest will be subjected to destructive charisma and the potential of BTC.</p>\n<p>In addition to cryptocurrency in 2019, we need to consider asset classes such as cash and its legal protection, as well as fixed-income instruments. An alternative could be gold. Global foreboding of the oncoming storm does not leave everyone. It is necessary to listen to him and hedge their positions in order to purchase something worthwhile at the new minimum values.</p>\n<p><span>&nbsp;</span></p>\n<p></p>\n<p><strong>Eldiyar Muratov&nbsp; for <a href=\"https://forbes.kz/finances/exchange/what_awaits_bitcoin_in_2019/\">Forbes</a></strong></p>','posts/February2019/Z3CBamT8Kmtg8U8EMNTA.jpeg','what-awaits-bitcoin-in-2019',NULL,NULL,'PUBLISHED',0,'2018-11-29 13:57:00','2022-10-29 13:56:53',1009),(2,1,1,'The future of bitcoin',NULL,'2018 was for BTC strength test. The aggravation of the 2017 bull trend, gave way to negativity and apathy, and market sentiment around the cryptocurrency is less rosy than ever. Now BTC has a huge potential. The king of cryptocurrencies has attracted the attention of the world\'s largest financial institutions, and now instead of the past indifference one can find a lively interest.','<p>2018 was for BTC strength test. The aggravation of the 2017 bull trend, gave way to negativity and apathy, and market sentiment around the cryptocurrency is less rosy than ever. Now BTC has a huge potential. The king of cryptocurrencies has attracted the attention of the world\'s largest financial institutions, and now instead of the past indifference one can find a lively interest. Despite the prevailing sense of negativity, at the end of 2018 - 2019 events are expected that could trigger a new rally. BTC infrastructure upgrades occur at a frantic pace that was not previously observed. This wave will cover everything that came before it.</p>\n<p>The main event will be the Bakkt platform connected to the Intercontinental exchange, as well as Microsoft and Starbucks. This unique product will make access to BTC easier for all types of investors. The launch was supposed to be in November 2018, but it was postponed to January 29, 2019.</p>\n<p>Secondly, the financial monsters Morgan Stanley and Citigroup aroused great interest. Both run futures and derivatives on BTC. It is believed that such a move is able to ensure the stability of a highly volatile asset class. In turn, this will make investments in BTC more attractive for investors who are considering stable growth of assets in the medium and long term.</p>\n<p>Third, Goldman Sachs plans to enter the market as a marketplace. These three events, combined with such world names, will undoubtedly inspire confidence in other institutions and make you understand that BTC will not disappear from the face of the earth.</p>\n<p>Fourth, projects on the implementation of a new crypto ETF format, proposed by the Securities and Exchange Commission, gained hope for development only after the appointment of Elad Roisman as the Commissioner.<br />Fifth, moving away from the financial interest of BTC, technical discoveries continue to develop. The Lightning network continues to open new channels that allow BTC to process a much larger number of transactions. By the time the next uptrend begins, updates have the prospect of being ready.</p>\n<p>BTC reached last year\'s record level, even without many upcoming events that will happen soon. All of these events, or any of them, can be a catalyst for raising prices for cryptocurrencies. As soon as the locomotive starts the engine, and the train starts moving, a huge number of people covered with great interest will be subjected to destructive charisma and the potential of BTC.</p>\n<p>In addition to cryptocurrency in 2019, we need to consider asset classes such as cash and its legal protection, as well as fixed-income instruments. An alternative could be gold. Global foreboding of the oncoming storm does not leave everyone. It is necessary to listen to him and hedge their positions in order to purchase something worthwhile at the new minimum values.</p>\n<p></p>\n<p></p>\n<p>Eldiyar Muratov for Forbes</p>','posts/February2019/8wpOPcnNOXL9R0ax2sDl.jpeg','the-future-of-bitcoin',NULL,NULL,'PUBLISHED',0,'2018-11-25 13:57:00','2022-09-19 13:52:22',917),(4,1,1,'FINTECH - THE FUTURE OF BUSINESS DEVELOPMENT',NULL,'Many people remember the days when they had to stand in a queue to pay utility bills, get a certificate from a bank or make a statement on an account, while standing idle for debt. Today, many financial institutions have already implemented technologies that have helped bypass the long queues, saving time and money for both clients and the companies themselves and service providers.','<p>Many people remember the days when they had to stand in a queue to pay utility bills, get a certificate from a bank or make a statement on an account, while standing idle for debt. Today, many financial institutions have already implemented technologies that have helped bypass the long queues, saving time and money for both clients and the companies themselves and service providers. Could someone then suggest that being anywhere in the world a person can be in direct communication with the bank, carry out all the necessary actions on the account, submit an application or even get a loan and not spend a penny for roaming using only a few minutes Internet connection? Today, it is possible.</p>\n<p>Foremost countries in financial technologies, such as Singapore, Japan, the United States, the United Kingdom and others, are already moving to a new level, introducing artificial intelligence everywhere that eliminates the risk of a person&rsquo;s mood swings, fatigue, forgetfulness and many other factors. Can we observe the same technological abundance in Russia and Kazakhstan? Many laws have been passed to develop this sector, but what do we actually have? How will financial technology help develop business in these countries?</p>\n<p>We define what stimulates the development of the financial technology market. First, it is the growing demand for financial services, both for ordinary citizens and for business. That is, financial technologies increase the availability and efficiency of receiving financial services by the population and business, improve living conditions and increase business competitiveness and, as a result, increase its profitability. Secondly, it is the activity of the regulator as a result of which a single national fintech ecosystem is formed. Financial technologies are one of the main tools to increase the transparency of business and the economy, the creation of infrastructure availability, which is mandatory for the development of most sectors of the economy. Third, it is the dynamics and flexibility of the proposal, which is constantly adapting to changes and needs of the consumer. Due to the high dynamics of development of the FINTECH industry, its representatives are overly sensitive not only to changing demand, but also to the behavior of all players in the market, which as a result leads only to an improvement in the quality of life of the population.</p>\n<p>Stable business development exists in a peaceful interweaving of economic, social and environmental efficiency, which aims to meet the needs of the population without risk to the future. Financial technologies are a rapidly developing solution of stable business development that can improve the efficiency of many industries. By making financial services more accessible to the public, financial technologies help to fully integrate different segments of the population into the financial system. Despite the fact that financial technologies are considered by many to increase the efficiency of the financial system, they are also a lever for increasing operational transparency and environmental performance. Fintech encourages manufacturers to disclose information to consumers about operations at many stages of the process, to rationally use natural resources, to be faster and more efficient in processes. Thus, a natural market environment is formed, which has reached a new level of competition for the consumer.</p>\n<p>Let\'s announce the main strategies and stop factors of the development of the financial technologies market in Russia and Kazakhstan. Strategies include the emergence of new technologies (artificial intelligence, predictive analytics, machine learning, big data, etc.) and products (in a digital bank, lending, scoring, marketplace, investing) entering new markets, natural market growth, cutting costs and on marketing and advertising promotion. Stop factors include the unattractiveness of the Russian and Kazakhstan markets for external investors, low regulation of the industry, low solvency of the population, unadapted tax system for fintech companies, high geopolitical risks, currency risks, weak cyber security.</p>\n<p>Despite the fact that the forecasts of many analytical agencies have positive views on the future development of the fintech sector in Russia and Kazakhstan, there are the following problems that need to be solved in order to achieve real results. First, it is necessary to develop a start-up industry, by creating conditions for natural competition between major players. Secondly, large financial companies should open up and give such startups an opportunity to develop such startups with a new look at technologies within their eco systems, which ultimately will bear fruit on a larger scale. In other words, create Fintech incubators under the auspices of financial institutions. Thirdly, it is stagnation in the economies of Russia and Kazakhstan, which blocks the air for young enterprises.</p>\n<p>The market is shrinking, the volatility of national currencies and the tax burden are increasing, sanctions and the growing share of state participation in business create conditions for the younger generation to increasingly leave Russia and Kazakhstan and build businesses in countries with a wider and developed market, open resources for development, and an optimal tax system and the effect of the incubator. Due to fierce competition in the west, startups are developing much faster. They are easier to attract funding and have at least some guarantees of protection and preservation of their intellectual property. In our countries, nothing will change until real reforms are carried out. And finally, this is the image of countries that does not allow start-ups to enter the international market and monetize their product.</p>\n<p>In the next five years, it is planned to solve most of all these problems and to enable the real implementation of the definition of &ldquo;digital economy&rdquo;. To do this, digital hubs and so-called regulatory sandboxes are already launched, which enable young companies to polish their ideas, apply them and launch them into the consumer market. Business angels, venture funds, banks, other private and corporate investors will be able to choose the projects they are interested in to invest, just through these hubs and sandboxes, but government support will play the role of a major driver of development. The main areas of investment remain insurance technologies and technologies in the field of regulation. Key technologies and products in which investments will be made in the medium term include payment systems, e-commerce, and online lending services. In the next three years, digital banks will become the most promising areas for FinTech.</p>\n<p>Summarizing, according to experts polled in Russia and Kazakhstan, people lack faith. Investors need to believe in an environment where their investments in young and ambitious projects will have the least risk unrelated to the product itself, start-ups need to believe in themselves to implement their ideas, the regulator needs to believe in its need for this environment to create the necessary conditions for the development of the industry in whole Even consumers need to believe that the digital product they use will not deceive them, will not turn off at the right time or create new problems. All this echoes of the recent past, when we stood in a long queue to pay utility bills and dreamed that someday we could do all this without leaving home.</p>\n<p></p>\n<p><span>&nbsp;</span></p>\n<p><strong>Eldiyar Muratov&nbsp; for Forbes</strong></p>','posts/February2019/Egzdzv3i5Y0bZATHZA0P.jpg','fintech-the-future-of-business-development',NULL,NULL,'PUBLISHED',0,'2018-12-02 13:57:00','2022-11-17 17:50:22',1040),(5,1,1,'RISE OR FALL OF GENERAL ELECTRIC',NULL,'When most people on the planet read about General Electric, they probably think of light bulbs, televisions, and washing machines. General Electric was born in 1892 as a result of the merger of Thomson-Houston and Edison General Electric.','<p>When most people on the planet read about General Electric, they probably think of light bulbs, televisions, and washing machines. General Electric was born in 1892 as a result of the merger of Thomson-Houston and Edison General Electric.</p>\n<p>The company is a typical industrial epoch conglomerate of the 3rd technological revolution, and the company is painfully undergoing a transformation of business. Over the past 15 years, many mistakes have been made: unsuccessful acquisitions of major competitors, business diversification without synergy, business development, where GE did not have competencies, care of key employees. Two strong and profitable directions now are Aviation (with a $ 200 billion order book) and Healthcare, which pull the entire company, and the two most problematic are Power, and GE Capital, where the level of risk has greatly increased. In addition, the company completely ignored the technological revolution in the solar energy and smart grid segment. In the recovery plans proposed by the new CEO Lawrence Culp (a very successful track record - the former head of the Danaher conglomerate) - return to the profitability of the Power segment, sale of non-core assets, return of former effective directors (John Rice from the Power division). In many respects, GE shares are very cheap, with Eurobonds with redemption in 2020-2021 now yielding about 6% in dollars. GE\'s short-term creditworthiness of Eurobonds is beyond doubt (hence the BBB + rating from S &amp; P). The long-term prospects of the super-holding, which in 2000 was the most expensive public company in the world and whose shares have fallen seven times since then, still raise doubts. On June 19, 2018, the more than 100-year history of the General Electric on the Dow Jones Industrial Average came to an end, and the last remaining original Dow component was excluded from the index. Just five months later, on November 9, 2018, GE shares fell 8.9 percent during presale, dropping below $ 9 a share for the first time after the financial crisis.<br />2008 - The financial crisis. Shares of the company fell by 42% during the year, and after the departure of the non-replaceable Welch, it became clear that GE was being bloated. Warren Buffett supported the company by investing $ 3 billion. But GE\'s problems did not end with a financial crisis. The purchase by the French transport company Alstom in the amount of $ 9.5 billion in 2015 was considered a complete failure.<br />&nbsp;&nbsp;<br />Under the leadership of Jeffrey R. Immelt, the former head of GE Medical Systems and Welch\'s successor, the company was forced to wind down GE Capital and return to its origins in production. GE also sold billions of dollars worth of properties and refused NBCUniversal, GE Plastics, GE Water and GE Appliances.</p>\n<p>In 2009, the company reduced its annual dividend from $ 1.24 to $ 0.82. Dividends fell even more in 2010. Immelt served as CEO of General Electric for 16 years and resigned earlier than expected in 2017. He later became chairman at Athenahealth.<br />2017 - New Storm. General Electric celebrates its 125th anniversary in 2017 and deserves a reputation as one of the most reliable participants in the stock market. Shares have fallen by 69.05% since January 2017, when the company announced a reduction of 12,000 jobs in 2017, while dividends for December decreased by 50%. The market capitalization of the company, which in August 2018 amounted to 107 billion dollars, fell more than the market capitalization of competitor Honeywell International Inc. As of the last fall of General Electric on November 9, 2018, the company was estimated at $ 72.63 billion.<br />In November 2017, GE announced plans for a broad restructuring and halved its quarterly dividend from 24 cents to 12 cents per share. In the same month, GE laid off thousands of employees in all parts of the country. After the announcement, the company\'s shares fell by 3.5%. On October 1, 2018, GE announced that H. Lawrence Culp would replace John Flannery as chairman and CEO of the company.<br />The industrial conglomerate said it would sell its stake in the oil company Baker Hughes, hoping that these actions would allow it to focus on aviation, energy and renewable energy.<br />GE Healthcare\'s medical division announced April 2 that it would sell its IT business to Veritas Capital for $ 1.05 billion. This sale was the first of the planned sales of assets in the amount of 20 billion US dollars to create a more focused company.<br />Nevertheless, we should not forget that GE has customers in more than 180 countries, including Kazakhstan and Russia, and it employs 313,000 people worldwide. GE operates in several large industrial segments, including energy, renewable energy, oil and gas, aviation, healthcare, transportation, lighting. GE Power is the largest revenue generator for GE, earning nearly $ 36 billion in 2017. The next most profitable segment was GE Aviation, with revenue of about $ 27.4 billion.<br />Summary:</p>\n<p>General Electric seeks to reduce its excess weight in order to be reborn from the ashes and become a more focused company. The principle on which the new management of the company is acting now is &ldquo;to leave what brings profit, to focus and sell everything else&rdquo;. As we know, cleaning is not without pain, and analysts are probably not overly enthusiastic about adding fuel to the fire. Certainly the fall of such a giant will echo around the world, but the effect will be smooth and not comparable with the year 2008. If the new head of the company will be able to deploy a cumbersome car to its former profitability and growth, which is quite likely to be seen already in 2019, then GE has hope for its former leadership.</p>\n<p></p>\n<p><span>&nbsp;</span></p>\n<p><strong>Eldiyar Muratov&nbsp; for Forbes</strong></p>','posts/February2019/Hakp5pbGqnajRi225mFE.jpeg','rise-or-fall-of-general-electric',NULL,NULL,'PUBLISHED',0,'2018-12-12 05:11:00','2022-10-20 12:30:50',1098),(8,1,1,'The strongest survives. Or more necessary.',NULL,'This phrase best describes the current situation in the banking sector in Kazakhstan. By the way, a similar situation occurred and is still happening in Russia.','<p>This phrase best describes the current situation in the banking sector in Kazakhstan. By the way, a similar situation occurred and is still happening in Russia.</p>\n<p>Some banks receive a liquid flow, including from the country\'s pension reserves, with the aim and in the hope of effectively managing these savings of citizens to increase their financial basket in the future. The government is betting on &ldquo;close&rdquo; banking structures.</p>\n<p>Does the banking system from this become more sustainable? If we consider the overall market banking system in Kazakhstan, then no. There is a kind of monopolization of the banking sector in the framework of a hard cut-off, where the unnecessary die, through a sale or bankruptcy / revocation of a license.</p>\n<p>Will it make it worse for ordinary citizens? If we look at the replica of the development of the Russian banking sector, removing US sanctions to the side, then in the opinion of Russian citizens, much has become much better. Customer focus, mobility, manufacturability, and ease of use of products of banks that once were outdated with Soviet policy became apparent. Banks began to enter the international level of developed countries. Do other banks suffer from this, whose budgets do not allow it? Definitely, yes. Only those who have unique ideas within limited resources survive. Naturally, everyone else leaves the market.</p>\n<p>Kazakhstan and Russia are not unique examples of this behavior of the country\'s blood-financial system. Half the world has developed and is developing in a similar model. For example, in Singapore, with all the technological effectiveness and advancement of this city-state, in reality there is only one bank to which the state gives particular preference. However, this does not look obvious, since Singapore&rsquo;s democracy does not allow openly discriminating other players.</p>\n<p>The process of consolidation of the financial sector of Kazakhstan today is not yet completed. The development of \"monopoly\" will continue. Perhaps a list of approximate banks will expand, through redemption and affiliation, or rapprochement with state transactions and the needs of the government.</p>\n<p></p>\n<p><strong>Eldiyar Muratov for Forbes</strong></p>','posts/February2019/VxgnyrVe5dMqg5zCiNLh.jpeg','the-strongest-survives-or-more-necessary',NULL,NULL,'PUBLISHED',0,'2018-10-28 12:10:00','2022-09-19 13:52:25',844),(9,1,1,'How to sell Cryptocurrency legally',NULL,'In Belarus, the purchase and sale of cryptocurrency has already been legalized, and until 2023, such operations are not taxed. At the same time, in Russia “cryptocurrency”, as a definition, does not exist yet.','<p>In Belarus, the purchase and sale of cryptocurrency has already been legalized, and until 2023, such operations are not taxed. At the same time, in Russia &ldquo;cryptocurrency&rdquo;, as a definition, does not exist yet.</p>\n<p>You can sell a cryptocurrency in three ways:</p>\n<p>Through friends:<br />If you decide to sell a cryptocurrency to a friend, then you will have to agree on your price among themselves. As a rule, sellers are asked to transfer money through the payment system Webmoney, PayPal, Yandex.Money. First, ask a friend to transfer money to you, and then transfer the cryptocurrency to a friend\'s cryptocurrent.<br />With this type of purchase, there is a risk that you can be deceived, therefore it is better to sell / buy from the hands of only those people you know well.<br />Through the Exchange:<br />If you decide to sell the cryptocurrency on the stock exchange, it is best to do it on world-famous platforms. The main selection criteria may be the presence of familiar payment systems, a clear interface and low commission. After you have chosen the exchange and registered on it, you need to place an order. For example, sell 1 bitcoin for 6000 dollars. At that moment, when the orders for the purchase and sale for different traders are the same, an automatic sale occurs. Money comes to your account. By clicking on the withdrawal button, you will see the withdrawal amount. This can be either direct output to the card or via payment systems. Usually, after the release, you must also make a confirmation by e-mail or SMS code. On some exchanges, the withdrawal of money is confirmed by the code from the application installed on the smartphone.<br />Via online exchanger:<br />Carefully read the reviews, study the ratings, as there are many scammers in the network. With this type of cryptocurrency sale, choose the opposite exchange direction. In one part of the interface, you specify the cryptocurrency, the amount and the wallet, and in the other - the external wallet or bank card to which the money should be credited. Keep in mind that the exchange rate varies depending on the payment system. The course will be less profitable than on the exchange.<br />If the exchanger is automatic, then the whole operation may take several seconds, if the moderation occurs manually then up to 10 minutes. The disadvantage of this method is that the price of the transaction determines the exchanger. The price is often higher than on the exchange. However, it is faster and easier than buying on the stock exchange, and safer than buying from the hands.</p>\n<p><span>&nbsp;</span></p>\n<p><strong>Eldiyar Muratov for RUSSIA TODAY</strong></p>','posts/February2019/Sox8ejU3chMJBglroMJ1.jpg','how-to-sell-cryptocurrency-legally',NULL,NULL,'PUBLISHED',0,'2018-10-22 12:30:00','2022-10-18 14:52:59',858),(10,1,1,'ULIP vs PPLI - a new way to protect capital',NULL,'The life insurance policy with an open architecture of investment opened through a foreign insurer has two different abbreviations: ULIP (Unit Linked Insurance Plan) and PPLI (Private Placement Life Insurance). Both have significant differences in the technique of execution, and therefore the real advantages and disadvantages for the investor. Before comparing these insurance programs note that ULIP and PPLI do not have much in common with the Russian counterparts of solutions such as investment life insurance and endowment life insurance.','<p>The life insurance policy with an open architecture of investment opened through a foreign insurer has two different abbreviations: ULIP (Unit Linked Insurance Plan) and PPLI (Private Placement Life Insurance). Both have significant differences in the technique of execution, and therefore the real advantages and disadvantages for the investor. Before comparing these insurance programs note that ULIP and PPLI do not have much in common with the Russian counterparts of solutions such as investment life insurance and endowment life insurance. Russian life insurance programs designed to meet only the long-term conditional objectives of the investor. The condition is - survival, death for any reason or disease. Only in this case the investment life insurance and endowment life insurance disclose their full destiny and becomes the support for the beneficiaries specified in the policy. In any other situations, the investment life insurance and endowment life insurance do not meet the interests of investors, since the practice of withdrawal of Russian insurance policies is already common. The investment life insurance and endowment life insurance policies structure cannot be called as an &ldquo;Open&rdquo; investment architecture. There is no policy liquidity until the occurrence of the insured event. Proceeding from this, similarities with ULIP and PPLI, Russian analogs have only in the words \"Life Insurance\". On this, all ends. The investment life insurance and endowment life insurance are a safety cushion, the reserve of which must be calculated not more than 10% of the investor\'s annual savings and cannot be used as an instrument consolidating all of its assets, as it meets other objectives. Using the investment life insurance and endowment life insurance as an analog of the ULIP and PPLI, the investor risks \"burying\" his money for many years. There will be no possibility to withdraw them from the policy without a significant fine and tax consequences since it is not possible to foresee the exchange rate at the time of withdrawal. In addition, you must remember about exchange difference.</p>\n<p>Returning to the ULIP and PPLI programs, it is worth noting that, unlike the investment life insurance and endowment life insurance, both instruments act as protective consolidators of the investor\'s assets and both have the same structure, but ULIP is a box-based solution for the mass segment, and PPLI is an individual solution for large investors in the HNWI and UHNWI segment. The reasons for this segmentation lie in their functionality and capabilities.</p>\n<h2>English method.</h2>\n<p>ULIP was the first tool created in the 50s in the UK for the mass segment. Specifically for those who want to invest wisely and maximize tax optimization. India and other former British colonies are only followers of this tool and are not the first owners of this idea. The mechanism of ULIP, for example, in the jurisdiction of the Channel Islands, is as follows. The investor opens an insurance policy and transfers money to the insurance company on account of this policy. 10% of these funds remain on the insurance policy account, and 90% of the investor\'s funds are transferred to the trust. In this case, the trust is a mutual fund. At the same time, this mechanism protects only up to 90% of investors\' funds in the case of financial problems in the insurance company. Trust, being a major financial player, collects money from private investors in a large financial purse. Investors give orders to the insurance company to buy an investment instrument for the specified amount. They can see the result and account balance in the personal account on the website of the insurance company. In jurisdictions such as Bermuda, an act on segregated accounts operates, which protects the investor\'s capital by 100% on special segregated accounts that are not involved in the bankruptcy process in the cases of problems with the insurance company. This kind of protection has forced many investors to reconsider their views from the Channel Islands to Bermuda.</p>\n<p>After large-scale capital began to look for greater flexibility in management, a hybrid, PPLI or Private Placement Life Insurance, have been created. Unlike the prophet, PPLI has more opportunities for the investor, both in terms of liquidity, and in terms of penetration and management of exotic assets within the policy. With this comes all the further advantages.</p>\n<h2>Choosing an insurance company.</h2>\n<p>There are three main offshore jurisdictions of insurance companies offering ULIP and PPLI. Bermuda, the Cayman Islands&nbsp;and&nbsp;the Channel Islands. The features of these jurisdictions are as follows:</p>\n<p>&bull; Bermuda (UK Overseas Territory) use the act of segregated accounts for 100% investor protection. Bermuda is considered to be one of the largest insurance jurisdictions, where today it is not only difficult to obtain a new license for life insurance, but also to keep the historical level, as Bermuda introduces new natural filters to consolidate the insurance market and cleansing from risky players.</p>\n<p>&bull; The Cayman Islands (UK Overseas Territory) use the act of segregated accounts to protect investors\' capital. The Cayman Islands are second on the list after Bermuda in terms of the quality of insurance. Often, those who once in the past could not obtain a license in Bermuda, turn to the Cayman Islands regulator, in connection with a more simplified licensing procedure. The Cayman Islands are famous not for insurance, but for the huge number of registered hedge funds. It is this jurisdiction that carries the banner of superiority in this category.</p>\n<p>&bull; The Channel Islands (UK territory) protect up to 90% of the investor\'s capital through mutual investment funds. This jurisdiction is more bureaucratized and to date, insurance companies from the Isle of Man or Jersey do not accept clients from Russia and the CIS.</p>\n<p>In practice, when choosing an insurance company look at its history, because young insurance companies having an age of fewer than 10 years, did not manage to get the practice of closing the first policies opened for 10 years. In this regard, such insurance companies do not have a track record, and hence high guarantees.</p>\n<p>Transparent and qualitative reporting of insurance companies displayed on the website or in case of listing on the Stock Exchange is another condition for choosing an insurance company that will limit the investor from possible unforeseen risks.</p>\n<h2>Bank of the Custodians.</h2>\n<p>ULIP, as a boxed solution has limited capabilities and one of the first is the investor\'s choice of a custodian bank, where the securities and money of the policyholder will be stored. In other words, the investor can not choose the bank he likes but should use the ready-made solution within the ULIP box. In practice, insurers selling ULIP have 3-4 banks into which they divide the assets of policyholders into types - simple securities, cash&nbsp;and&nbsp;derivatives.</p>\n<p>PPLI, as an individual solution, enables the investor to choose his bank. In practice, PPLI Insurers already have a wide list of custodian banks to choose from. This does not limit him in choosing his bank, with which the investor already had a certain positive practice of interaction. The choice of the owner of the policy is limited only by the generally accepted sanctions lists and black sheets, which include a number of banks.</p>\n<p>The choice of a custodian bank is not limited to Europe or other jurisdictions generally accepted for financial planning. An investor can choose a bank even in Russia to allocate its assets while having a foreign insurance policy. In other words, the investor\'s assets will be located in a Russian bank, and legally will be owned by a foreign insurance company that will provide the investor with a life insurance policy abroad. According to the law of the Russian Federation of 27.11.1992 N 4015-1 (as of 03.08.2018), as in many other countries, a foreign insurance company that does not have a license in Russia cannot engage in insurance activities on the territory of the country, but can open accounts for itself, like any other foreign company, to store its assets. Therefore, to date, this is the most valuable advantage of PPLI in comparison with ULIP for Russian investors considering the ways of getting back the capital to Russia. And for those who do not want to withdraw money from Russia, but at the same time worries about their fate, liquidity and address transfer future generations, taking into account the realities of the conjuncture of the local market. In addition, within PPLI the client has the right to change the custodian bank during the term of the life insurance policy, which can not be done within the framework of the Unit Linked Insurance Plan. Knowing this, in the case of PPLI, banks will always try to keep the bar of service in relation to the investor at the highest level. It is important to remember that the investor under the PPLI is not tied to the bank\'s boxed choice and has the right to determine its custodian bank in the optimal jurisdiction for further tax and&nbsp;civil&nbsp;planning. By selecting your bank for keeping assets under the life insurance policy, the investor gets a full range of these banks opportunities.</p>\n<h2>Anonymity.</h2>\n<p>In jurisdictions such as Luxembourg and Liechtenstein, banks, under the PPLI, does not give the ultimate policyholder to their system, that is, the client for them is an insurance company. This fact in a compartment with a special account type helps investors to remain anonymous in the context of automatic information exchange. It is incorrect to consider that all banks within the framework of ULIP and PPLI do this, as each bank and jurisdiction has its own peculiarities and this must be taken into account initially, so as not to fall under automatic exchange by using the wrong insurance company.</p>\n<h2>Management structure.</h2>\n<p>The structure of asset management through ULIP resembles a brokerage account where the policy owner sends orders to the insurance company to buy, sell or convert money. Some insurance companies in the ULIP provide an opportunity to open a real brokerage account in an already signed brokerage company for active trade through the terminal by the client himself, giving him direct access. The architecture of such policy is limited by exchange and sometimes over-the-counter instruments.</p>\n<p>Unlike ULIP, within PPLI, an investor can also pack assets such as real estate or business, converting them into securities. PPLI, in this case, will act as a total holding structure for the investor\'s assets, which in the compartment with anonymity gives him a universal instrument for management and transfer by inheritance. Within the PPLI, the client can choose the broker for account opening and further trading.</p>\n<h2>Taxation.</h2>\n<p>A deferred tax payment applies to all types of life insurance policies with an open investment architecture. This means that the tax base will be determined only by the date of closure of the policy, the country of the tax residence of the policy owner and the annual basis for calculating the return on investment. In many countries, ULIP and PPLI provide tax optimization in the form of a benefit of up to 40%, which essentially saves investors\' capital.</p>\n<h2>Crediting.</h2>\n<p>ULIP as a tool for the mass segment limits the investor in opportunities, for example, in obtaining a loan secured by assets within the policy or under the policy itself. Some insurance companies within the ULIP gives a minimum leverage to the policyholder for securities, but only for further reinvestment under the same policy. PPLI provides an opportunity to get a loan for the assets of the policy and dispose of them as an investor will conceive outside of it. The rates of such lending depends on the currency and the current situation with key rates in the world. Therefore, for example, today it is possible to obtain a mortgage loan in euros at 0.5% per annum under the PPLI.</p>\n<h2>Getting Citizenship.</h2>\n<p>PPLI enables the investor to choose a bank of custodians and jurisdiction. In connection with this, the assets under the policy can be used in the extract for obtaining citizenship in a particular country. There is no such possibility within ULIP.</p>\n<h2>Cost and Liquidity</h2>\n<p>When choosing an insurance company should be noted the cost of the service itself. ULIP, as a boxed solution, has fixed regular commissions, as they are aimed at a mass segment of investors that have a fee of $ 500 per month. In the case of PPLI (in practice these are customers of $ 1 million), regular commissions can be significantly lower, depending on the scope and objectives of the investor. In PPLI, an investor can pick up tariffs individually for himself, that within the investment strategy will create a favorable long-term planning.</p>\n<p>With regard to liquidity, in case of early termination of the policy within the ULIP, the investor is obliged to pay the remaining commission for the entire administrative period. In other words, if a customer pays 1.2% policy fee per year, then after 3 years, the client will have to pay 1.2% * 7 years with a 10-year life insurance policy. In PPLI the client pays often only for the actual time spent in the policy. \"Often\" means that depending on the amount of capital of a private investor, tariffs for the insurance policy are calculated and the more the client is, the more flexibility will be given to him. PPLI allows the investor to be more liquid and at the right time to sell securities to exit without much expense. Another question is, for what purposes should these funds be deduced? If this is a purchase of real estate or business, then all this can be done also within the framework of the PPLI policy.</p>\n<h2>Indivisibility and Targeted Transmission.</h2>\n<p>Both instruments have identical protection against the claims of third parties, for example by court order or in case of divorce. If the issue of inheritance in Russia resolves by a long way of proving the ownership of the asset, then in the case of the life insurance policy, the asset is transferred to the beneficiary\'s rights. The procedure for entering into the inheritance, unlike the Russian 6 months, takes about 2-3 weeks. The definition of the tax base for heirs depends on whether the policy of the previously insured will be closed and the transfer of assets will occur through the opening of a new policy for the heirs or this will happen by transferring the existing policy of the previously insured.</p>\n<h2>Disadvantages - how to look at them?</h2>\n<p>&bull; According to analyst Valentin Zhurba, Buying policies from a foreign insurer that is not registered in Russia is likely to create problems with taxation when the instrument is redeemed, as under Russian law, there is no preferential taxation for ULIP - http://www.forbes.ru /&nbsp;finansy-i-investicii&nbsp;/ investment-2018366287-strahovoe-prikrytie-kak-anonimno-hranit-dengi-za-rubezhom&nbsp;- This dubious defect must be looked at differently. In the case that ULIP or PPLI had a legislative base in Russia, then it would be unlikely that this product would have such a demand from Russian investors. Many investors, on the contrary, consider those instruments that are separate from Russian jurisdiction, have international legal protection and allow the policyholder to plan their tax residence in advance. In particular, this applies to large investors in the PPLI framework.</p>\n<p>&bull; Ravil Miftahetdinov, a Partner, Head of Aton\'s key client\'s department, recalls that despite the anonymity of investments through ULIP policies, to purchase this product a Russian investor needs to undergo a rather complicated process of compliance by foreign insurance companies. \"Sanctions are not conducive, but rather hampered to work with such instruments, as the attitude to Russian clients is currently special,\" the financier said. http://www.forbes.ru/finansy-i-investicii/investment-2018366287-strahovoe-prikrytie-kak-anonimno-hranit-dengi-za-rubezhom - Major Insurance companies, for example, Bermuda, conduct a standard check of Russian clients, with this having no prejudice to their citizenship. Insurance companies are conductors for all clients in the bank. So on average, opening an account for a client within the policy takes 3 weeks, and the standard opening of a bank account is for about 6 months and a refusal is possible at the end. To date, insurance companies of the Norman islands do not open Russian customers, not because of bias, but because of sanctions.</p>\n<p>&bull; High programs commission are seen as a drawback while forgetting that the investor receives an insurance policy with all the consequences and not just a bank account that needs to be declared and has all investigative risks. Investors who understand the essence of the instrument, its goals, the economic calculation of future behavior and all the benefits realize that 1.2% per year for the boxed solution is not expensive. At the same time, such investors understand that the PPLI policy also opens for capital gains, through investments in securities.</p>\n<p></p>\n<p>&nbsp;<strong>Eldiyar Muratov for FORBES</strong></p>','posts/February2019/N3DM2apN1QvC7HD65B9D.jpeg','ulip-vs-ppli-a-new-way-to-protect-capital',NULL,NULL,'PUBLISHED',0,'2018-09-06 12:50:00','2021-11-25 19:17:01',903),(14,1,2,'How to make money on investments in fintech',NULL,'Some fintech companies bypass the capitalization of such major players as Deutsche Boerse and Twitter. However, their names are often unknown to a wide range of investors. How much can you earn on investments in fintech and which companies should pay attention to?','<p>Some fintech companies bypass the capitalization of such major players as Deutsche Boerse and Twitter. However, their names are often unknown to a wide range of investors. How much can you earn on investments in fintech and which companies should pay attention to?</p>\n<p>Amid the success of Apple and Amazon, investors turned their attention to technology companies. Capitalization of the NASDAQ Composite high technology index has already exceeded $ 12 trillion. In the first nine months of this year, it grew by 16.6%, which is almost 1.5 times better than the dynamics of the S &amp; P 500 index. The NASDAQ Composite calculation base is diversified into segments, the most difficult companies include online service development companies % capitalization), software (approximately 12%) and e-commerce (mainly due to Amazon with a capitalization of about $ 900 billion).</p>\n<p>In addition to the well-known Apple, Amazon and Microsoft, the index also includes smaller names: for example, Analog Devices Inc. or Workday Inc. They cannot boast of media coverage, but their capitalization is at the level of $ 30 billion. Many well-known companies are priced lower by the market; these include the large London Stock Exchange and Deutsche Boerse, Fiat Chrysler and Peugeot, and even Twitter.</p>\n<p>Fintech companies: what to invest?<br />You can try to track the aggregate dynamics of fintech companies with the help of the KBW Nasdaq Financial Technology Index (KFTX). It is calculated by the NASDAQ group and consists of shares of fintech companies that are publicly traded in the United States. From the beginning of the year to September 30, KFTX yields exceeded 22% per annum - this is better than the broad NASDAQ and the S &amp; P 500.</p>\n<p>The base for calculating KFTX is 49 names of different degrees of fame. The total capitalization of the companies included in the database is $ 1.45 trillion, although 45% falls on the combined share of Visa, Mastercard and Paypal. For comparison: the capitalization of the companies included in the Mosbirzhi index is almost three times less, even if the cost of the three payment systems listed earlier is not taken into account - $ 0.56 billion.</p>\n<p>However, KFTX is a little-known tool. His schedule and calculation base have to be searched, this information is not available on popular resources. There is no liquid ETF fund for the index: there is an Invesco KBW NASDAQ Fintech UCITS ETF with a capitalization of $ 54 million, but it is not demanded by the market. In addition, KFTX is still focused on the US market. We decided to consider the dynamics of stocks of FINTECH companies around the world and calculated our own index, actually forming a portfolio of companies that meet certain criteria.</p>\n<p>Fintech Briefcase<br />To calculate the index, we took simple criteria:</p>\n<p>-&nbsp; The market capitalization in dollars at December 31, 2017 is not less than $ 13 billion - this is how not only American companies are selected, but also representatives from Europe and Asia;</p>\n<p>- shares are listed on the stock exchange;</p>\n<p>- the company does not have a strong brand (subjective assessment).</p>\n<p>As a result, 20 FINTECH companies were listed in the portfolio, some of which are traded on local exchanges - in euros, yen, Swiss francs, Brazilian reals and Indian rupees. For ease of comparison, the indicators of such companies have been converted into dollars. We calculated the dynamics of all the stocks included in the portfolio from December 31, 2017, weighed it in equal shares and modeled the profitability of this investment portfolio.</p>\n<p>When buying shares of selected companies on December 31, 2017, in the first three quarters of 2018, the investor would have earned 24.6%. This indicator is even slightly higher than the possible yield on the purchase of securities in accordance with the KFTX calculation base. The capitalization of companies in our portfolio as of September 30, 2018 reached $ 465 billion.</p>\n<p>Based on the results obtained, several conclusions can be drawn:</p>\n<p>- Fintech companies can be called fairly mature: most of them are 10 years or more;</p>\n<p>- Almost all of these companies are profitable, but the most expensive is Square. However, this case requires separate consideration, so we will talk about it further.</p>\n<p>- The portfolio dynamics was mainly provided by two assets- Square and Wirecard. For 12 months, company shares rose by almost 244% and 141% respectively,</p>\n<p>- American companies feel much better than representatives of other regions (with the exception of Wirecard). The average yield in dollars of non-US companies in the sample without Wirecard is minus 1%, of American companies without Square - 18%. Worst of all, the dynamics of Cintas - stocks fell 54% in terms of the dollar.</p>\n<p>Two leaders<br />Two companies whose papers show the greatest growth - Square and Wirecard - we decided to consider separately and try to understand what was the catalyst for the rise of indicators. To do this, compare them with similar companies from more traditional segments of the financial market. In the same way, consider the outsiders of our sample - Cielo and Bajaj Finance.</p>\n<p>Square was created in 2009 by engineer Jim McKelway and Twitter co-founder Jack Dorsey. In 2015, the company conducted an IPO, during which it managed to attract $ 243 million. The preliminary estimate reached $ 6 billion, but in the end the market valued the company at only $ 3 billion - 14 times less than now.</p>\n<p>The main product of Square is mobile card readers for receiving and processing payments. Simply put, these are the same mini-acquiring terminals that are connected via the headphone jack to almost any smartphone. The company considers Paypal a competitor in the field of online payment infrastructure. But so far there is no need to talk about full-fledged competition - Paypal revenues for 2017 amounted to about $ 13 billion, Square - about $ 2.2 billion. By capitalization, Paypal also benefits from Square.</p>\n<p>From 2012 to 2017 The accumulated net loss was $ 758 million. The average annual revenue growth rate was 68% y / y, although in the last two years revenues have been growing more slowly - by about 30% per year. About 95% of all revenues accounted for the US market.</p>\n<p>From the financial statements of the company, it follows that Square&rsquo;s unprofitability is associated with high costs for R &amp; D (research and development) and marketing (34% of revenue in the first half of 2018). The company\'s business model looks efficient: gross margin is 50% and even slightly exceeds the same indicator Paypal (47%). This can be achieved through high commissions - from 2.75 to 3.5%.</p>\n<p>Wirecard - dark horse finteha<br />The second leader of the sample - Wirecard - appeared even earlier, in 1999. Now it is a holding whose subsidiaries are registered in the UK and the USA. In Germany, there is even a licensed bank Wirecard Bank, where you can remotely open an account and get a virtual card.</p>\n<p>The company offers services for the processing and security of non-cash payments (including online), mobile payments, as well as more traditional issue of credit cards.</p>\n<p>As of September 30, Wirecard was estimated at 55 annual profits &mdash; 2.5 and 5.5 times more expensive than Deutsche Bank and Commerzbank, respectively. In terms of capital, the company was estimated at 11.8 capital, Deutsche Bank - 0.3 capital, Commerzbank - 0.4 capital. In other words, a traditional multiplier estimate would indicate that Wirecard is overvalued relative to Germany&rsquo;s largest banks at least 2.5 times. However, to make such a conclusion is wrong, given the conservatism of the business models of banks (of course, without taking into account transactions with derivatives) and the innovative nature of Wirecard activity.</p>\n<p>The dynamics of Wirecard quotes are closely correlated with the dynamics of revenue, the acceleration of growth in which in the 2016-2017s. led to an exponential increase in stock value.</p>\n<p>According to the Wirecard report for the first half of 2018, 71% of revenue and 84% of EBITDA are in the payment processing business. As a rule, the premium in the market valuation of businesses such as Wirecard, persists as long as the company manages to demonstrate high revenue growth without a significant deterioration in operating margins. Now, Wirecard estimates its customer base at 38 thousand large and medium-sized companies and 212 thousand small companies. But in Europe, Wirecard, apparently, is approaching the limit of organic growth - the volume of processed transactions in the first half of 2018 increased compared to the same period last year \"only\" by 22%. For comparison: the volume of transactions processed outside Europe increased by 89%.</p>\n<p>Expansion beyond the Old World is a key goal for Wirecard. To do this, the company uses various methods, including M &amp; A (mergers and acquisitions - mergers and acquisitions, ed.) And cooperation with other market players. Among the latter, in particular, includes the company Alipay, as well as telecommunications operators VEON and Telenor. Given this data, Wirecard looks more solid and more promising than Square. The latter has unconditional technological value, but so far it looks more like an overvalued startup.</p>\n<p>The problems of overvalued startups<br />The fact that sometimes happens with unfairly overvalued projects is eloquently illustrated by the dynamics of the capitalization of US companies from the Business Support Services sector, according to Reuters classification. According to statistics, over the past 52 weeks, the capitalization of 62 companies out of 274 has decreased by 50% or more, 18 - by 90% or more. True, most of them are traded only on the over-the-counter market: there are only four of the 82 companies listed on the NYSE or NASDAQ. There is also an obvious outsider in our portfolio - the Brazilian project Cielo. Its dollar capitalization has fallen by 54% since the beginning of the year.</p>\n<p>Cielo S.A. - the largest payment system and credit card operator in Brazil and Latin America. Initially, the company was created in 1995 as a joint venture of Visa International and Brazilian banks. Now, Cielo has stable incomes and profits, one of the lowest P / E estimates in our sample (price-earnings ratio) and dividend yield of 9.8%. The answer to the question &ldquo;why stocks are getting cheaper&rdquo; lies in the chart of the dynamics of stock value against the background of the dynamics of revenue - the same as we did for Wirecard:</p>\n<p>Revenue growth after 2015 almost stopped, the same thing happened with stocks. This scenario can also wait for Wirecard when the company stops growing rapidly. The market adjusted the premium pledged in the capitalization of Cielo: in 2012-2015, during the period of rapid growth, Cielo was estimated at an average of 6-6.5 revenues and up to 30 profits. Now the company costs about three times cheaper.</p>\n<p>Synchrony Financial (credit card provider in the USA and Canada), Alliance Data Systems Corp (provider of loyalty systems and direct marketing), Orix Corp and Discover Financial Services are in the same position. However, our company was most interested in another company from the bottom half of the table - Indian Bajaj Finance.</p>\n<p>Indian finteh<br />In the presentation, Bajaj Finance describes itself as &ldquo;Non bank with strategy &amp; structure of a bank&rdquo; - &ldquo;not a bank with a strategy and structure of a bank&rdquo;. The company is engaged in consumer lending, wealth management, sale of insurance products and other services. 55% of Bajaj Finance is owned by Bajaj Finserv, also listed on the Indian stock exchange. It is noteworthy that the capitalization of Bajaj Finserv is lower than that of its subsidiary.</p>\n<p>Bajaj Finance is growing very fast: for example, capitalization has increased almost 70 times over 11 years.</p>\n<p>Shares of Bajaj Finance only in September corrected by 28% in the absence of significant information leads. Investors who are betting on the financial sector in the fastest growing economy in the world and are not afraid of possible distortions in financial reports should remember Bajaj Finance.</p>\n<p>If we talk about the market as a whole, then buying at the beginning of the year the shares of the world\'s largest fintech companies would be the right decision. When choosing securities of such companies, you can use the recipe, which is also fair for other participants in the NASDAQ index: in the Hi-Tech industry, not stable players with a history rise in price, but fast-growing companies with an average annual revenue growth rate of 20% and a sought-after high-tech product.</p>\n<p></p>\n<p></p>\n<p><a href=\"https://bloomchain.ru/fintech/kak-zarabotat-na-investitsiyah-v-finteh/\">Source</a></p>','posts/February2019/N2N7rmcVUfItRZNqgK7W.jpg','how-to-make-money-on-investments-in-fintech',NULL,NULL,'PUBLISHED',0,'2018-12-10 06:22:00','2022-10-20 05:20:54',1367),(15,1,2,'State Street Financial Holding may add a service for cryptoactive assets storage',NULL,'Boston State Street Financial Corporation, focused on institutional market participants, is ready to provide custodial services in respect of cryptoactive assets, if there is a demand from customers. It is reported by CoinDesk, citing the director of the company for the development of digital products and innovations Jay Biankamano.','<p>Boston State Street Financial Corporation, focused on institutional market participants, is ready to provide custodial services in respect of cryptoactive assets, if there is a demand from customers. It is reported by CoinDesk, citing the director of the company for the development of digital products and innovations Jay Biankamano.</p>\n<p>According to Biankamano, many customers are already expressing increased interest in cryptocurrencies, but so far none of them consider the company as a place to store this type of assets. Therefore, State Street, according to the head, today sees no need to launch custodial services for digital coins.</p>\n<p>Biancamano noted that the financial company is seriously considering the issue of the emergence of such a service and constantly communicates with clients about this issue. But to declare officially on the intensification of activities in the direction of cryptocurrency State Street is not ready.</p>\n<p>Also, a company representative added that in the future, State Street will most likely deal with a cryptocurrency market. This is possible in view of the relevance of such processes as tokenization and digitization of fiat assets.</p>\n<p>Last month, another representative of the traditional market, Fidelity, launched a cryptoplatform for institutional investors. Fidelity Digital Asset will focus on storage solutions for cryptoactive assets, not their trading. Earlier it became known that the platform will add support for 5-7 of the largest in terms of capitalization of digital assets.</p>\n<p><a href=\"https://bloomchain.ru\">Source</a></p>','posts/February2019/4lf2R4ccmUTgziYaNXSY.jpg','state-street-financial-holding-may-add-a-service-for-cryptoactive-assets-storage',NULL,NULL,'PUBLISHED',0,'2018-12-07 06:35:00','2022-06-24 06:55:49',1315),(16,1,2,'More and more Americans are making out an investor\'s visa and New Zealand citizenship',NULL,'New Zealand\'s business immigration program in early 2017 has undergone a major upgrade. The conditions for obtaining investor visas in the island state were revised in the direction of tightening. In particular, the minimum amount of investments has grown.','<p>&nbsp;&nbsp;New Zealand\'s business immigration program in early 2017 has undergone a major upgrade. The conditions for obtaining investor visas in the island state were revised in the direction of tightening. In particular, the minimum amount of investments has grown.</p>\n<p>&nbsp;&nbsp;To tighten the conditions for registration of the right to permanent residence in return for foreign entrepreneurs investment (with the subsequent registration possibility for a second citizenship), the New Zealand authorities decided against the backdrop of a growing desire to acquire a New Zealand investor visa.</p>\n<p>&nbsp;&nbsp;The local business immigration program is a very interesting solution for foreigners planning to New Zealand moving for live and work, developing their business in the Asia-Pacific region. Investors are invited to choose from two visas at the stage of application.</p>\n<p>&nbsp; And recently, especially high demand for investor visas is observed by American subjects. So, earlier it became known about the successful registration of the New Zealand second citizenship by the billionaire Peter Tile, who is one of the \"PayPal\"&nbsp;founders and the holder of a large package for Facebook securities.&nbsp;The number of applicants from among Americans who wished to acquire New Zealand citizenship from November 8, 2016 to January 31, 2017, grew by as much as 70 percent year on year (that is, in relation to the period from November 8, 2015 to January 31, 2016).</p>\n<p>&nbsp;&nbsp;With a successful combination of circumstances and a certain skills set, Americans can have the right to participate in the New Zealand program Looksee Wellington, through which the authorities of the island country are trying to attract qualified and experienced foreign technical experts.</p>\n<p>&nbsp;&nbsp;In general, New Zealand seems quite friendly to the Americans state - at least on the Internet.&nbsp;</p>\n<p>&nbsp;&nbsp;But life on a beautiful island has also drawbacks. There is the Pacific Ocean between New Zealand and the US lies. The country shares a distance of of 6 thousand miles. And a non-stop flight from Los Angeles to Oakland will take you about 13 hours. This excludes for Americans resettled in New Zealand any opportunity to quickly fly to the \"big land\" on the weekend to see their loved ones.</p>\n<p>&nbsp;&nbsp;But statistics about the growing interest of Americans towards New Zealand citizenship fades in comparison, say, with a sharp jump in their interest in Canadian residency and citizenship. So, an avalanche of traffic from US users in the direction of the site of the Immigration Office of Canada after the November victory Trump simply knocked down this site. Resource went offline for a long time due to the fact that tens of thousands clients devices appealed to it almost simultaneously. Canadian officials servers simply were not ready for this influx of traffic.</p>\n<p>&nbsp;&nbsp;According to the Migrant Policy statistics, the most popular countries for immigrants from America are Mexico (877 thousand people moved to this state) and Canada (343 thousand people). According to the Migrant Policy website, there are only 22,000 American emigrants in New Zealand. This is more than, say, in Argentina (5 thousand) and North Korea (1 thousand). But New Zealand is still inferior to many more popular countries, such as Japan (50,000), Spain (40,000) and Great Britain (212,000).</p>\n<p>&nbsp;&nbsp;Nevertheless, New Zealand has many attractive features. And with its shortcomings, you can accept it.&nbsp;But for this you will need effort and energy. And remember that after moving to this country you will be virtually isolated from friends and family.</p>\n<p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\">&nbsp;</span></p>\n<p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\">&nbsp;</span></p>\n<p style=\"text-align: center;\"><em>&nbsp;If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists! Write us at:</em></p>\n<p style=\"text-align: center;\"><em>&nbsp;</em><em><strong><em><span lang=\"EN-US\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.s<span style=\"text-decoration: underline;\">g</span></a></span></em></strong></em><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><br /></span></p>','posts/new-Zealand.jpg','nz-visa-and-citizenship',NULL,NULL,'PUBLISHED',0,'2018-06-10 02:00:00','2021-11-25 16:55:57',133),(17,1,2,'All investment income will have to be reported to the tax authorities in New Zealand',NULL,'The total amount of income that New Zealand residents receive from their savings and investments, will increase in the opinion of the government. The reason for this is the aging of the population and, as a consequence, an increase in the total amount of accumulated capital. Of course, the government is interested in having people and organizations pay taxes in the right amount. And for this it is necessary to obtain a correct idea of the incomes of the population.','<p>  The total amount of income that New Zealand residents receive from their savings and investments, will increase in the opinion of the government. The reason for this is the aging of the population and, as a consequence, an increase in the total amount of accumulated capital. Of course, the government is interested in having people and organizations pay taxes in the right amount. And for this it is necessary to obtain a correct idea of the incomes of the population.</p><p>  To this end, on July 7, 2016, the New Zealand Minister of Revenue, Michael Woodhouse, published a document for public consultation, which contains proposals to change the procedure according to which information on investment income should be reported to the local Internal Revenue Service.</p><p>  Currently, payers of interest, dividends and distributed profits of Maori authorities provide tax certificates to the income recipients. Those, in turn, at the end of the year should collect all such certificates from different income sources in order to report to the tax and fulfill their tax obligations.</p><p>  However, for the tax administration it would be much more convenient, you could get the information directly from the payers and use it to pre-populate the tax returns of the income recipients. For this it\'s proposed to make the following changes:</p><ul><li>on companies that pay dividends, and Maori authorities will be subject to the same reporting requirements for the tax administration as for banks and portfolio investment entities;</li><li>all payers of investment income will provide detailed information to the Internal Revenue Service.</li></ul><p>Investment income, which will be subject to the proposed reforms, are:</p><p>  - interest;</p><p>  - dividends;</p><p>  - income from portfolio investment companies;</p><p>  - royalties.</p><p>  The Register of foreign trusts in New Zealand will not be open</p><p> </p><div><h2><strong>Proposals for reforming the taxation of investment income in New Zealand</strong></h2></div><p>  Payers of investment income in New Zealand, according to suggestions of Michael Woodhouse, will be required to provide monthly to the tax administration certain information about the taxpayer (or during those months when payments occurred, if less than once a month).</p><p>  Information on the taxpayer that will need to be reported includes the following aspects:</p><ul><li>the amount of income paid to the client;</li><li>the amount of tax withheld (if applicable);</li><li>IRD-number of the client (if any);</li><li>customer name;</li><li>client address;</li><li>client date of birth.</li></ul><p>  If the investment is joint, information should be provided about each owner of the investment. If the payer pays interest that is exempt from the withholding tax, you must provide information about the relevant customers.</p><p>  Interest payers should not provide tax certificates to their customers who have provided their IRD number. The rate in case the client does not provide the payer with its IRD number will be increased to 45% for the resident tax with interest and for the income from the portfolio investment company.</p><p>  The New Zealand Tax Office will also create a database of taxpayers with certificates of exemption from withholding tax. All taxpayers who want to receive their investment income without withholding tax will have to receive a certificate of exemption from tax.</p><p>  The proposed innovations will lead to an increase in the amount of information that will be available to the Internal Revenue Service and will allow for the pre-filling of tax returns. For a large number of taxpayers, this will mean that all information about their taxable income will be available in one place.</p><p>  Taxpayers who receive income from other sources, such as income from a foreign source and rental income, will still have to provide information on these revenues to the New Zealand Internal Revenue Service.</p><p> <span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p style=\"text-align: center;\"><em> If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists! Write us at:</em></p><p style=\"text-align: center;\"><em> </em><em><strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.s<span style=\"text-decoration: underline;\">g</span></a></span></span></span></em></strong></em><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><br /></span></p>','posts/Ekonomika-Novoj-Zelandii.jpg','tax-reporting-in-nz',NULL,NULL,'PUBLISHED',0,'2018-06-10 17:00:00','2021-11-25 16:55:56',106),(18,1,2,'Inheritance of assets in offshore',NULL,'Issues of assets inheritance are always one of the most important and most controversial. By submitting to the trust assets, you can not inform the relatives about what you have and to whom that goes.','<p>Issues of assets inheritance are always one of the most important and most controversial.</p><p>For example: father and the head of the family are the owner of a Cyprus company, on whose balance sheet the energy company and the bank shares were located. He has two grown-up daughters and a wife. But he didn\'t formalize the right to inherit the Cyprus company. After his death, as a result of the family conflict, each participant wanted his own. A corporate war began. The result of this war: the nominal director resigned, the company provider, refused to deal with them before the court\'s decision, the company can\'t be transferred to another provider. The company was frozen and could not sell its assets and conduct its business. At the same time, there was a great need for structuring and selling assets.</p><p>The situation is not just unpleasant, but catastrophic. To overcome this situation, it took:</p><ol><li>Apostille the degree of kinship for all participants.</li><li>Apostille certificate of death.</li><li>Provide a certificate from the Ministry of Internal Affairs that death wasn\'t violent, and none of the relatives is involved in the death of the beneficiary. And also that there is no investigative case or criminal prosecution against him.</li><li>Write a letter to the central register with a request, based on the above documents, to appoint an independent director and administrator.</li><li>Divide asset in equal proportion: 33.3% for daughters and 33.4% for wife.</li><li>Allow internal transfer of assets from one owner to another with substitutions by another asset (assignment of rights to real estate), engage an independent lawyer, for unconditional transfer of rights, if all parties fulfill the conditions.</li></ol><p>The decision of all these questions took about a year and required considerable financial expenses.</p><div><h2>What else can you get in the end, when there is no clear indication of the inheritance owner?</h2></div><p>Relatives may not know where you have what, and it\'s not the responsibility of the provider to search for your heirs in the event of your death. Even simple agreements are not always respected. Therefore, assets can be quite in other hands, no kinship with you do not have. So the question arises, do you really want your assets to get to other people\'s people?</p><p>The second no less important aspect, you can get under the right of inheritance, which exists in the jurisdiction of finding a company with payment of all relevant taxes. And they can be very significant.</p><p>And finally, after the time has elapsed, the company can be simply liquidated, as not active, and the assets on its balance go to the treasury of the state.</p><p>All these troubles could be avoided if the owner thought about the fact that a person is mortal, and often SUDDENLY.</p><p>We live, postponing resolving issues for later, but, it turns out, we need to address them in advance.</p><div><h2>There is a simple solution to this problem:</h2></div><p>Just transfer the assets into a full-fledged trust, in which to describe which of the relatives that gets. The trust allows you to divide assets in such a proportion as you want, bypassing all national inheritance rules. By transferring assets to the trust, you can also not notify relatives about what you have and who gets what. In the event of your death, the trust company will tell them who gets what, or just pay the income to the account.</p><p>A trust letter in which off-shores say that Smith owns \"\"A\" shares in favor of Ivanov has nothing to do with the Trust, such a trust is called \"naked\".</p><p> <span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p style=\"text-align: center;\"><em> You can learn more about the Trust-Fund of <strong>Castle Family Office</strong> by clicking on the link below:</em></p><p style=\"text-align: center;\"><strong><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><i><a href=\"https://castle-gaaf.sg\">CASTLE-GAAF.SG</a></i></span></strong></p>','posts/1.jpg','inheritance-of-assets-in-offshore',NULL,NULL,'PUBLISHED',0,'2018-06-11 02:15:00','2021-11-25 16:55:55',145),(19,1,2,'How to transfer assets to children: inheritance planning with offshore elements',NULL,'Half of business owners don\'t even consider the transfer of business to heirs as a possible scenario and plan to sell the company','<p>Half of business owners don\'t even consider the transfer of business to heirs as a possible scenario and plan to sell the company.</p><p>How to ensure the transfer of assets by inheritance? What are the obstacles, challenges, solutions?</p><div><h2><strong>Total mistrust to people outside a certain circle</strong></h2></div><p>The entrepreneur doen\'t trust anyone except a narrow circle of the elect. Sometimes only partners and friends enter this circle, but even the family doesn\'t know the main questions about business.</p><p>Mistrust concerns, among other things, consultants who can tell how to solve certain business problems. Despite the fact that inheritance rules are not 100% formed, there is an experience that is adopted from world colleagues or from those who have already created their own plan for inheritance.</p><p>Banks, family offices and consultants create special units that deal with issues of inheritance and its planning. And maybe it\'s time to at least slightly lower the level of suspicion and ask clarifying questions about the inheritance.</p><div><h2><strong>Risks of the heir: dependent or artist</strong></h2></div><p>Another reason why many entrepreneurs don\'t plan an inheritance is risks directly related to the heir or heirs.</p><p>First, many fear that a child or other heir isn\'t ready to take the reins of the company, especially a large one. He can be a minor, study, be interested in other things or simply be a high-aged dependent who only spends the family\'s money at steep parties.</p><p>What kind of inheritance in the form of an operating company or large assets can there be a speech in these cases?</p><p>If you don\'t enter the heir in advance, he will not even know WHAT assets he gets. Offshore companies and trusts, foreign accounts, Russian business and real estate in Italy are pieces of the puzzle that the creator collected and hid for a very long time.</p><p>As the researchers note, often only the owner of the company (CEO) knows exactly what and where the company is located. In the event that he leaves the business. The business is able to lose not only the leader, but the very viability.</p><p>We are not saying that any large capital in Russia still has too many \"intangible\" assets: relations with suppliers, agreements with law enforcement agencies, promises of \"those who can not be called\". All this is not inherited, and without this business will lose significantly in stability and predictability.</p><p>There is another risk: the majority of entrepreneurs are large families with 2 to 6 children. Plus, spouses, parents who by Russian law receive automatically a part of the inheritance. And how to deal with this?</p><div><h2><strong>Testament is not a panacea</strong></h2></div><p>It\'s perfectly reasonable to make a will, which specifies what assets exist, how and to whom they are transferred, how to manage them. Another question is that a testament can always be challenged and the right of children, spouses, parents to part of your assets can not be ruled out.</p><p>Parents can be given a share in the company, but does it make sense to appoint an elderly mother to the factory director? The spouse wants to maintain the previous standard of living, but doesn\'t want to sit on the board of directors? It is reasonable if the sphere of its interests is the education of children and their own small business.</p><p>Especially before the instructions given by you in the will come into force, 6 months must pass. During this time, your company may go bankrupt without good management.</p><p>Add to this foreign assets, of which no one knows, distrust of outsiders and an undeveloped strategy for behavior in crisis situations and get complete unpredictability for your business.</p><p>If your goal is to create at least a bit of predictability for your enterprise, then study the following recommendations.</p><div><h2><strong>Rules of inheritance: how to transfer an asset by inheritance without destroying the business</strong></h2></div><p>The first thing we have to accept is the fact that we are all mortal. If you plan to have your business last longer than you do, then you need to prepare for it.</p><p>Planning is the key to success. This concerns both the creation and conduct of business, and its transfer to the next generation.</p><p>What points need to be worked out at the planning stage:</p><ul><li>Who will manage the company during the 6-month wait for the will?</li><li>Which of the heirs to transfer the company, shares, and who is more convenient and more profitable to transfer bills, real estate and other assets?</li><li>Arrangements with partners;</li><li>Preparation of the heir to work duties;</li><li>Structuring of property with the Holdings help, including offshore ones;</li><li>Legal confirmation of decisions taken.</li></ul><p>First, every company must have a plan in case of a critical situation. This is not necessarily the final departure of the owner or CEO. A person can just get sick, get into an accident. While it is not, the company must continue its effective work.</p><p>In this case, the boards of directors, job descriptions for top management, and a well-developed structure for the transfer of power and duties will help. Look at the state power: if something happens to the president, the authority is adopted by the vice-president or prime minister.</p><p>A similar principle will work in the business company.</p><p>If you are doing business with partners, these nuances should be solved with them: how will the business operate after the departure of any partner, who will get the shares and the right to decide the future of the company, which of the applicants for the position will be supported?</p><p>Secondly, consider who will stand at the helm of the company, and who should be given only shares / business shares with an annual profit. Some of your heirs are more inclined to leadership, educated and interested in the company. And someone is more interested in creating and selling their own paintings.</p><p>The first you can take in advance and prepare for the post, teach all that you think is necessary. The second is to provide means of subsistence. With reasonable planning, one does not even have to worry because of the requirement in the law to grant a share of the inheritance to parents, spouses and all children: allocate one real estate, interest income from business without the right to interfere in the affairs of the company; another - directly to the company itself, the right to decide its fate.</p><p>Of course, the decision in any case won\'t be easy and the can still be challenged. But at least you will be able to advance the business successor in advance and protect those who will not be engaged in business.</p><p>It\'s also important to understand the following point: someone besides you should represent what your company looks like as a whole. Unfortunately, the use of offshore companies, although considered legal, is perceived by the townsfolk (even the members of the closest circle that is outside the business), as something dangerous and malevolent.</p><p>At the same time offshore can be an excellent way to transfer business and other assets by inheritance.</p><p>Firstly, because they operate in another law and according to other rules. This allows you to avoid some taxes, speed up the process of obtaining assets. Secondly, if you transferred an offshore company to your son or daughter, then everything that is recorded on it is transferred along with it.</p><p>Inside an offshore company on Nevis or in Belize, you can save real estate, vehicles or shares of companies. Even if the business structure consists of several levels, then you will give the heir to a top-level company and all below-going structures will be in his possession.</p><p>Trusts and funds have been used for a long time in the West, where funds and assets are waiting for their time to go under the management of the heirs, when they grow up or achieve a certain result: they will create a business, obtain a degree, etc. These trusts often help to lower taxation for you: you give a part of the assets to the trust, cease to be a beneficiary, but provide the future for your children, spouses and all those you want to take care of.</p><p>Experts who help plan the inheritance of assets, pay attention to the following fact: the head of the company does not necessarily have to stand up exactly your child or spouse. In general, according to statistics, family companies exist for no more than 3 generations and this is in the West, where private property has not disappeared for a hundred years.</p><p>To survive the company longer the worked out structure, where business management is transferred to the one who knows how to do it qualitatively, helps. Children, as mentioned above, you can transfer the company\'s shares. It is reasonable to do this, including through offshore companies, so that no one can take away his inheritance from a man who is not ready for the harsh realities of Russian business. Management can be transferred to another specialist.</p><p>The main thing is to prepare it in advance.</p><p>And one more extremely important point: all agreements on inheritance, management in critical situations should be formalized on paper, in the form of a legal document. By the time when you need a plan for reacting to a critical situation, the one with whom you negotiated can also rest, quit or lose power in the company. Here again we will have to work with our own distrust of other people and the state. State authorities, laws and constant changes don\'t add optimism in planning a business strategy and, especially, the inheritance process.</p><p> <span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p style=\"text-align: center;\">You can learn more about the Trust-Fund of <strong>Castle Family Office</strong> by clicking on the link below:</p><p style=\"text-align: center;\"><strong><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><i><a href=\"https://castle-gaaf.sg\">CASTLE-GAAF.SG</a></i></span></strong></p>','posts/2.jpg','how-to-transfer-assets-to-children',NULL,NULL,'PUBLISHED',0,'2018-06-11 12:15:00','2021-11-25 16:55:54',116),(20,1,2,'Latvia, Cyprus, and now Malta? How the USA put pressure on European banks',NULL,'Against dummy companies and Russian capital in Europe, there is a systematic struggle. Latvia was first hit, then there were problems in Cyprus. Analysts predict that the banks of Malta will soon fall under similar pressure. In general, European banking is currently under serious attack from the US and how this will end until it is unclear.','<p>Against dummy companies and Russian capital in Europe, there is a systematic struggle. Latvia was first hit, then there were problems in Cyprus. Analysts predict that the banks of Malta will soon fall under similar pressure. In general, European banking is currently under serious attack from the US and how this will end until it is unclear.</p><p>Europe is struggling with money laundering. The US actively encourages this with its recommendations and lawsuits. Moreover, as practice shows, most of the countries against which the struggle is currently waged is somehow connected with Russian money. First of all, this is Latvia and Cyprus, and there are also first signs of changes in Estonia.</p><p>Unauthorized struggle with Russians is conducted in the UK and have already lost at least a billion pounds due to refusal for issue an investor visa to Roman Abramovich - he refused to invest in the renovation of the Chelsea stadium at the deterioration of the investment climate in the country.</p><p>However, under close attention in recent days was Malta. It was less popular with Russians, compared to Latvia or Cyprus, but experts insisted that it would be Malta that became the center of attraction for immigrants from Russia and the CIS after the banking crisis in Latvia.</p><p>Apparently these calculations were read in the controlling bodies of Europe and the United States.</p><div><h2><strong>Investigation against the financial intelligence of Malta</strong></h2></div><p><span>The </span><span>European Banking</span><span> Authority</span> (EBA) has launched an investigation against the financial intelligence of Malta, because it believes that the service facilitated the laundering of funds through the Pilatus bank. The bank\'s activity has been frozen since March after the US brought charges and arrested the bank owner of Iranian origin Ali Sadr Hashemi Nejad for trying to circumvent sanctions against Iran.</p><p>According to the preliminary investigation, Malta\'s monitoring service didn\'t meet the EU anti-money laundering requirements. She didn\'t insist on the bank making changes in its activities, not punishing enough for violations.</p><p>In general, Malta and Latvia are linked not only by pressure in connection with money laundering. In April, the media reported that in 2015, the head of the administration of the Prime Minister of Malta, plus the Minister of Tourism received a suspiciously large amount ($ 1.4 million) from the bank ABLV. According to some experts, this may be a bribe and it may have a connection with the murder of journalist Daphne Caruana Galicia, who just did investigate the corruption scandal associated with the Prime Minister of the country.</p><p>Despite the fact that the companies that transferred money no longer exist, and Pilatus (who now also doesn\'t exist) sued the journalist, the US paid attention to the Maltese bank. Further, we can already predict one of several scenarios: Malta will ignore the precepts until the use of force methods (as in Latvia); Malta will introduce changes, and the EU and the US will be driven; Malta will quickly introduce changes to keep the market.</p><p>The latter option is possible if representatives of the US Ministry of Finance come to visit, who are touring Europe and hint at the need to get rid of dummy companies and Russian money. This happened in Latvia, Cyprus, partly in Estonia. Why not happen in Malta?</p><div><h2><strong>What is the point of the intensified fight against money laundering?</strong></h2></div><p>According to many analysts, the changes in the banking sector in Europe are primarily under the pressure of the United States. Banks\' accusations, strict recommendations and hints on sanctions when they are not implemented are the tools of overseas colleagues.</p><p>What is the meaning of this international game? Analysts identify several versions.</p><p>The first is the continuation of the geopolitical struggle with Russia. Pressure on Russian capital everywhere causes a strictly negative reaction from business and the capital holders , which, potentially, can lead to the resignation of the president and a change in policy. A lot of Russians keep money in Europe, so <span>at least </span><span>it\'s worth it</span><span>.</span></p><p>In addition, due to pressure on the EU countries, they manage to distract them from disagreements over the sanctions against Russia (in Europe there is no unanimity on this issue). As a result, Europeans defend their interests and they don\'t have the resources to somehow help the Russians or confront the States.</p><p>Another possible reason is simply an attempt to take control over the financial system worldwide. Europe remains a fairly powerful financial bloc, with the policy and decisions of which must be considered even the United States. Moreover, there are several large offshore companies in Europe, through which billions of dollars flow.</p><p>The desire to take control over cash flows is a strategic decision. Moreover, there are versions that the United States purposefully substitutes including the British offshore to lure the capital to itself. These are information leaks, requirements to share data unilaterally, and so on.</p><p>The US is considered the largest offshore company, which practically doesn\'t provide information to the world, has not joined the automatic exchange of information and still offers anonymous companies. The demand for banking and corporate services in the US grew from non-residents.</p><p>However, the US is not the only direction where Russians and CIS citizens can go, who are asked to leave Latvia, Cyprus or other jurisdictions. First, there are enough independent and verified jurisdictions that can and should be worked with. Secondly, new stars are emerging on the market that attract the attention of entrepreneurs not only from the CIS, but also from all over the world.</p>','posts/usabanks.jpg','how-usa-pressed-on-eu-banks',NULL,NULL,'PUBLISHED',0,'2018-06-13 02:00:00','2021-11-25 16:55:53',121),(21,1,2,'Profitable China: PRC makes life easier for foreign and local investors',NULL,'Chinese investors can again buy offshore assets for yuan, and foreign investors were finally allowed to own a controlling stake in local companies. The issue of lifting restrictions on property rights in Chinese banks is also being discussed. Together, this makes China an attractive jurisdiction for investment in the coming years.','<p>Chinese investors can again buy offshore assets for yuan, and foreign investors were finally allowed to own a controlling stake in local companies. The issue of lifting restrictions on property rights in Chinese banks is also being discussed. Together, this makes China an attractive jurisdiction for investment in the coming years.</p><div><h2><strong>China allowed to buy offshore assets</strong></h2></div><p>In 2015, Chinese authorities banned investors from China to buy offshore assets for yuan. At that time, the opinion arose that this was too conducive to the withdrawal of funds from the country\'s economy. However, in 2018 a decision was made to unfreeze such operations.</p><p>In other words, the Chinese will be able to use the national currency to acquire foreign assets, which potentially has a positive impact on the yuan.</p><p>In addition, the Chinese authorities have allowed interbank lending to financial institutions from offshore. Again, it\'s assumed that they will borrow in yuan, thereby attracting foreign investment in the economy of the country.</p><p>Foreign partners can also rely on their own Chinese payment system, which within the country replaces SWIFT. This will simplify trade and accelerate the necessary procedures.</p><p>According to experts, all these innovations and indulgences, China pursues several goals:</p><ul><li>Make life easier for investors and increase the inflow of investments into the economy, which weakened due to excessive control by the state, the high direct and indirect taxes, etc.;</li><li>Withdrawing the yuan to the international level as a reserve currency - they are already actively used in the region, plus recently launched trading in oil denominated in RMB (only for the first day they concluded deals for 2.7 billion dollars);</li><li>De-dollarization of the economy - China wants to reduce dependence on American money and gain leverage over the United States, which recently unhesitatingly puts unimaginable conditions in the direction of its biggest trading partner and the most dangerous strategic rival.</li></ul><p>Despite the positive mood, the yuan has problems. In particular, the fact that he is not traded on the free market. This limits its use in the world. However, China itself actively promotes transactions in RMB and involves international partners in trade.</p><p>Another problem of the yuan is a trade war that begins between China and the United States. The States have already introduced duties on steel and aluminum (however, as for other countries in the world, including the EU and Canada), they plan to impose duties on other types of goods. China has prepared a response and at the moment difficult negotiations are under way. Something suggests that with the current ruling elite, there is a great chance of escalating trade restrictions and suspicions.</p><div><h2><strong>The party said to return investors!</strong></h2></div><p>Due to excessive regulation over the past 2 years, investors have started to leave China. Money flows went to competitors in India and Indonesia, where everything is as much labor, low prices and easier to do business.</p><p>Of course, the Party can not allow this, because China has ambitious plans for both economic development and international domination. And all this requires money.</p><p>According to experts, it is for this reason that in early May China decided to admit foreigners to hold a controlling stake in the Chinese company. Previously, foreign investors could own only 49%, and now - 51%. Each specific investor can own 25% and talk about a gradual increase in the threshold to 30%.</p><p>Chinese and foreign insurance and brokerage companies also rank in rights. This opens up new opportunities for business in China, albeit far from all that are available in states with free market economies.</p><p>In addition, the possible removal of restrictions on ownership in Chinese banks is being discussed, which, according to experts, will be a revolution in the market.</p><p>Perhaps this, as well as a tax maneuver, will help slow the outflow of funds from China to Singapore and Hong Kong. Despite the population\'s restrictions on the withdrawal of only $ 50,000 per year, China loses hundreds of billions of dollars, which settle in midshore and offshore. Chinese investors acquire assets around the world. They are interested in everything: real estate, companies, gold, second citizenship. According to reports, Chinese investors are most active in acquiring the second passports of the Caribbean states with the help of investments.</p><p>China, despite certain difficulties, continues to grow and develop. Delays for investors (Chinese and foreign) allow us to hope that we will be able to make money on this growth. Should I immediately register a company in China? The answer depends on your goals, objectives and type of business. Despite the proposals from China, Singapore and Hong Kong for most of the business remains preferable. You will be able to use these jurisdictions for trading companies, for R &amp; D, for logistics. In addition, for these midshore at times easier to open bank accounts around the world. Especially in comparison with classic offshore.</p><p>The bank account is an essential component for business, whether it is in China or on St. Kitts and Nevis. Often it is the bank account that determines where to open a company. Suppose, if you need an account in the EU, then not all classic offshore European banks will accept with open arms. This point should be taken into account when selecting an account and a foreign company.</p>','posts/china-pay.jpg','profitable-china-prc-makes-life-easier-for-foreign-investors',NULL,NULL,'PUBLISHED',0,'2018-06-13 04:00:00','2021-11-25 16:55:51',112),(22,1,2,'Education in Germany in English. Where to study in Germany in English?',NULL,'It\'s no secret that the diploma of a prestigious European university is the first step to get a decent job. German higher educational institutions occupy a far from last place in the list of European countries. Therefore, if you want to get a high-quality higher education, then the universities in Germany are the educational institutions that you need.','<p><span>It\'s no secret that the diploma of a prestigious European university is the first step to get a decent job.</span><span> </span><span>German higher educational institutions occupy a far from last place in the list of European countries.</span><span> </span><span>Therefore, if you want to get a high-quality higher education, then the universities in Germany are the educational institutions that you need.</span></p><div><h2 style=\"text-align: center;\"><strong>opportunities for foreigners</strong></h2></div><p><span id=\"result_box\" lang=\"en\"><span>If you decide to study in English, we assure you that anyone can study in Germany in English.</span> <span>Regardless of which main language for training will be chosen, the state institutions of higher education in Germany are free.</span></span><span></span> <span id=\"result_box\" lang=\"en\"><span>Foreigners are given the opportunity to practice abroad, receive scholarships, participate in conferences, forums, projects.</span> <span>The cost of training on federal lands is much lower than in Austria, France, and the United States.</span></span> <span tabindex=\"-1\" class=\"alt-edited\">Diploma obtained in Germany will be recognized in all countries of the world.</span><span> </span><span tabindex=\"-1\" class=\"alt-edited\">Learning the German language and German culture goes everywhere with basic teaching load.</span><span> </span><span tabindex=\"-1\">And, moreover, free movement across all the countries of the European Union will significantly save finances, positively affect the experience of communication, and simply broaden the horizon.</span></p><p><span>The first educational institution, which allowed students to study in English in Germany, was Magdeburg University in 1997.</span> <span>Today, every self-respecting university has dozens of specialties, which can be studied in English</span>. <span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">More than a hundred programs in Germany provide for a bachelor\'s degree and more than four hundred - a master\'s degree.</span> <span>The number of students is constantly growing.</span> <span>The opportunity to obtain quality knowledge for free or for a modest amount (by European standards) annually attracts thousands of new students.</span> <span>Training in English is possible not only in humanitarian, but also technical universities.</span></span></p><p><span>To date, the most popular specialties in universities that are taught in English are economics, international relations, engineering, applied informatics, enterprise management, financial management, logistics, international business, design.</span></p><p><span>If you compare training in public and private institutions, you can be sure that the quality of teaching is at an equally high level.</span></p><p><span>But there are certain differences between them, which we would like to draw your attention to.</span></p><p>1.    <span tabindex=\"-1\">When you are going to enter a state university, be prepared for the fact that only in the first year you study in English.</span><span> </span><span>Beginning with the second year, students actively begin to learn German.</span><span> </span><span>The fact is that the defense of the diploma will take place only in German.</span></p><p><span>In private schools there are no such rules.</span><span> </span><span tabindex=\"-1\">At the request of the student it is possible to attend electives.</span></p><p><span>If you came to Germany only for a diploma, and in the long term do not associate your life with the FRG, getting a permanent residence or citizenship, and your future work is seen in any international company, then safely choose your training in English.</span><span> </span><span>But in order to live and work on the federal lands, you will have to learn the language.</span><span> </span><span>The Germans are a very tolerant people, but when it comes to the German language, especially when employing, the preference will be given to those who are better able to speak German.</span></p><p>2.<span>    <span id=\"result_box\" lang=\"en\"><span>Studying at a state university is not always possible to rely on housing in student dormitories.</span> <span>There are many students, and there is not enough housing for everyone.</span> <span>Many foreigners have to independently resolve the issue of accommodation.</span></span></span></p><p><span id=\"result_box\" lang=\"en\"><span>In private universities, the issue of providing housing for students is not so acute.</span> <span>On the territory of the Institute, or near it, as a rule, there are entire student campuses.</span> <span>Libraries, cafes, entertainment facilities, everything is at hand.</span></span></p><p>3.<span>    <span>It\'s not always necessary to go abroad in public institutions, while private institutions of higher learning actively offer their students to practice their future specialization abroad.</span></span></p><p>4.<span>    And, of course, education costs.<span id=\"result_box\" lang=\"en\"> <span>In public institutions of higher education it is free, while in private universities it is not cheap.</span></span></span></p><div><h2><span>How to apply for education in German university with knowledge of English language?</span></h2></div><p><span>Requirements for applicants are the same for all.</span></p><p>1.    <span>Graduates of high schools may enroll in selected university without any problems and additional years of training in the national institute.</span></p><p>2.    <span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">Those who graduated from the eleven-year school will have to unlearn at least four semesters in any institute in their homeland.</span> <span>Before submitting documents to the desired university in Germany, it is important to have documents confirming the passage of sessions in two years.</span> <span>This can be a student\'s record book or an extract from the student\'s record-book, where it will be indicated how many items have been handed over and how many hours have been listened for each subject.</span></span></p><p>3.    <span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\" class=\"alt-edited\">The presence of a certificate TOEFL, IELTS and GMAT.</span> <span>The pass ball for IELTS certificate holders is 7-9 points, TOEFLiBT - more than 80, GMAT - more than 650 points.</span> <span>It should be noted that each institution makes its own decision with which score to accept the foreigner so that he can comfortably learn in English.</span></span></p><p><span>Although there are no entrance exams in Germany, passing the English test will be mandatory.</span><span> </span><span>Some educational institutions conduct interviews with potential applicants online in English.</span></p><p><span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">We draw your attention to the fact that very often the financial side of training will depend on the location of the university.</span> <span>In large cities, the standard of living is higher than at the periphery, and, consequently, the costs will be much higher.</span></span></p><p> </p><p style=\"text-align: center;\"><em> <span>If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists!</span><span> </span><span>Write us at:</span></em></p><p style=\"text-align: center;\"><em> </em><span style=\"text-decoration: underline;\"><em><strong><em><span size=\"3\" face=\"Calibri\"><span lang=\"EN-US\"><span size=\"3\" face=\"Calibri\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong></em></span><span></span></p>','posts/обучение-в-германии.jpg','education-in-germany-in-english',NULL,NULL,'PUBLISHED',0,'2018-06-14 02:00:00','2021-11-25 16:55:51',141),(23,1,2,'Grants to study in Hong Kong',NULL,'Hong Kong is known as one of the trading and financial centers not only in Asia, but all over the world. Here there are many offices of the largest corporations, production giants and international holdings. This, undoubtedly, creates excellent conditions for work. But not only. Hong Kong is also known throughout the world for its educational institutions. Education in Hong Kong is the first step towards further employment in world-renowned companies.','<p><span>Hong Kong is known as one of the trading and financial centers not only in Asia, but all over the world.</span><span> </span><span>Here there are many offices of the largest corporations, production giants and international holdings.</span><span> </span><span>This, undoubtedly, creates excellent conditions for work.</span><span> </span><span>But not only.</span><span> </span><span>Hong Kong is also known throughout the world for its educational institutions.</span><span> </span><span>Education in Hong Kong is the first step towards further employment in world-renowned companies.</span></p><p><span id=\"result_box\" lang=\"en\"><span>A huge number of foreign students have already felt the benefits of getting an education in Hong Kong.</span> <span>Over the past 10 years, the number of students from the US and Europe has grown by more than 125 percent.</span> <span>Tuition fees at Hong Kong universities are low.</span> <span>But if you also consider accommodation in Hong Kong and food, the amount is quite impressive.</span> <span>Fortunately, foreign students have quite a few ways to save money while getting an education in Hong Kong.</span></span></p><p><span id=\"result_box\" lang=\"en\"><span><span>It\'s about grants and scholarships.</span><span> </span><span>They will help to cover the costs of living and education.</span><span> </span><span>Due to them in some cases it is possible to receive training in Hong Kong for free.</span></span></span></p><div><h2><strong>Scholarships from the universities of Hong Kong</strong></h2></div><p><span>Most scholarships and grants for study in Hong Kong are issued directly by universities and, almost always, on the basis of academic achievement.</span><span> </span><span>In some universities, for example, at the City University of Hong Kong (CityU), students who are enrolled in the first year of study in the undergraduate program automatically become applicants for a scholarship.</span></p><p><span id=\"result_box\" lang=\"en\"><span>Thus, the local government seeks to attract the most successful students to the <span>Hong Kong</span> universities.</span> <span>But this technique is not observed in all universities, so information on current financial assistance is better to learn in advance.</span></span></p><p><strong>University of Hong Kong Scholarship (HKU)</strong></p><p><span id=\"result_box\" lang=\"en\"><span>This scholarship from HKU is awarded annually to undergraduate students.</span> <span>The main criterion for selection: good academic performance.</span></span></p><p><span>Application for a scholarship can be applied immediately after enrolling in a university.</span><span> </span><span>Since the University of Hong Kong accepts applications online, you will need to register on the university\'s website and begin by filling out an application for admission, and then applying for a scholarship.</span></p><p><span>The amount of this scholarship may be different, but in general it should help to pay the student not only education in Hong Kong, but also accommodation.</span><span> </span><span>A student who received a University of Hong Kong Scholarship can apply for it again for further years of study at the university.</span><span> </span><span>But he will get it again only if his academic indicators remain consistently high.</span></p><p><strong>Lingnan</strong> <strong>University <span>Scholarship</span></strong></p><p><span id=\"result_box\" lang=\"en\"><span>This scholarship is granted to students planning to begin their undergraduate studies at the Faculty of Business, Arts or Social Sciences.</span> <span>The main criterion is academic achievement and social activity (participation in public organizations, charitable projects, events and discussions).</span></span></p><p><span>In addition to the school leaving certificate, you must submit the results of the SAT 1 test with a minimum score of 1650 points, a bachelor\'s degree or a post-school curriculum diploma.</span><span> </span><span>It is also necessary to have a TOEFL certificate with a minimum score of 550 points for the regular version, 213 for the computer version of the test, or 79 for the online version.</span><span> </span><span>Instead of the TOEFL certificate, you can provide an IELTS certificate with a total score of 6.0.</span> </p><p><span>Applications for the award of scholarships are made simultaneously with the application for admission to the university.</span><span> </span><span>This should be done in December to begin training in September.</span><span> </span><span>The amount of Lingnan University Scholarship can vary, fully or partially covering the student\'s expenses for education in Hong Kong.</span><span> </span><span>Apply for a scholarship at the University of Lingnan can be annually subject to high academic achievement.</span></p><p><strong>Hong Kong Jockey Club Scholarship Scheme for Non-local Mainland Students (CityU)</strong></p><p><span id=\"result_box\" lang=\"en\"><span>CityU pays a scholarship to foreign students - under the condition of excellent academic performance and social activity.</span> <span>Also welcomed the victory in various competitions.</span> <span>Applications for scholarships are submitted together with applications for admission.</span> <span>The amount of scholarships can be different: fully cover the cost of training, accommodation and meals, or partially.</span></span></p><p><strong>The Hong Kong Polytechnic University Scholarships</strong></p><p><span id=\"result_box\" lang=\"en\"><span>Scholarships at the Polytechnic University of Hong Kong are divided into two types: academic and non-academic.</span> <span>Academic scholarships are paid to students with high academic achievement, not academic - they are awarded for various outstanding achievements in other areas.</span> <span>Fellowships are paid each year.</span></span></p><p><strong>Chinese University of Hong Kong <span>Scholarship</span> (CUHK)</strong></p><p><span>CUHK annually provides financial support to foreign students entering the full-time department.</span><span> </span><span>Also, scholarships are given to those who show high academic achievement.</span><span> </span><span>The amount of scholarships at this university varies from 50 thousand to 145 thousand Hong Kong dollars.</span></p><p><strong>Hong Kong Baptist University Scholarship (HKBU)</strong></p><p><span id=\"result_box\" lang=\"en\"><span>From business and medicine to fine arts - in all these disciplines in HKBU you can get a scholarship.</span> <span>The amount of scholarships varies from 5 thousand to 40 thousand Hong Kong dollars.</span> <span>There are a lot of scholarships and they are issued every year.</span></span></p><div><h2><strong>Grants to study PhD in Hong Kong for foreign students</strong></h2></div><p><span tabindex=\"-1\">Hong Kong PhD Fellowship Scheme Grant is awarded to the Hong Kong Research Grants Council (RCG) and is intended for international students of doctoral studies at one of the eight Hong Kong universities participating in the program: the Hong Kong University, the Hong Kong University of Science and Technology, the Polytechnic</span><span> </span><span>University of Hong Kong, Hong Kong Institute of Education, Lingnan University, Hong Kong Baptist University, China University of Hong Kong and Hong Kong City University.</span></p><p><span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">In the 2014/2015 school year, more than 200 such grants were distributed between students who study in Hong Kong in areas such as business, humanities, engineering, engineering, medicine, natural and social sciences.</span> <span>In the 2018/2019 school year, more than 230 grades of PhD will be distributed.</span></span></p><p><span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\" class=\"alt-edited\">To obtain a grant, students must have a good academic performance, leadership skills, research capacity and communication skills.</span> <span tabindex=\"-1\">To begin with, you need to fill in the online application form on the RCG website and get the identification number, then go directly to the university and submit the application and this number.</span><span> </span><span>Deadline for filing an application is the beginning of December of each year.</span></span></p><p><span tabindex=\"-1\">In the future, the processing of the application largely depends on the university.</span><span> </span><span>But, often, to participate in the competition, students are asked to show their research project and prove the already available academic achievements.</span></p><p><span>The size of the grant is 240 thousand Hong Kong dollars (approximately 30 thousand US dollars).</span> <span>A student may also be provided with an amount of 10 thousand Hong Kong dollars (about $ 1,300) a year for additional expenses: organizing travel or any other activities related to research activities.</span></p><p><span>The grant is designed for 3 years.</span> <span>If the study in the Doctoral degree lasts more than 3 years, the student may ask for additional financial assistance.</span></p><div><h2><strong>Other Scholarships in Hong Kong</strong></h2></div><p><b></b><span>Consider other popular scholarships to study in Hong Kong:</span></p><ul><li><strong>The Self-financing Post-secondary Education Fund</strong></li></ul><p><span>This scholarship is considered public and is intended for foreign and local students who are educated in Hong Kong on full-time accredited programs, as well as undergraduate programs.</span> <span>The scholarship is awarded to students with the highest academic merit, achievements and talents.</span><span> </span><span>Its size for foreign students is 80 thousand Hong Kong dollars (about 10,300 US dollars) per year.</span></p><ul><li><strong>Entrance Scholarship Scheme, <span>City University of Hong Kong</span></strong></li></ul><p><span>This scholarship is awarded to students from other countries enrolled in the undergraduate program in CityU.</span> <span>The decision to finance a student is taken solely on the basis of his academic merit.</span></p><p><span>Under this program may be granted three types of scholarships:</span></p><ul><li><span>full, which covers the cost of the year of study in CityU, accommodation on campus and related costs;</span></li><li><span>full scholarship, which covers only the cost of training at the University of Hong Kong;</span></li><li>partial <span>scholarship</span> <span>which cover only half the cost of the year of study.</span></li></ul><p><span tabindex=\"-1\">Students do not apply for this type of scholarship.</span><span> </span><span>Hong Kong City University independently selects students who deserve such financial support based on their knowledge, achievements and talents.</span></p><p><span>It is worth noting that, despite the general requirements, all Hong Kong universities have their own methodology for selecting entrants.</span> <span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">Although education in Hong Kong is worth the money, a contest among those who want to learn is great.</span> <span>Therefore, universities conduct a strict selection and accept only the best candidates.</span> <span>The process of admission and examination of applications of foreign applicants is made in a separate order and lasts long enough (about 6-9 months).</span> <span>Therefore, you should not pull it.</span></span></p><p><span>As you have seen, scholars who can cover up to 100 percent of the cost of studying at the University of Hong Kong and residing are provided for those who study in Hong Kong at the magistracy and doctoral studies.</span><span> </span><span>With the help of such grants and scholarships, you can receive training in Hong Kong for free.</span><span> </span><span>In addition, students are allowed to work up to 8 hours a week in the framework of their university.</span></p><p> </p><p style=\"text-align: center;\"><em> <span>If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists!</span><span> </span><span>Write us at:</span></em></p><p style=\"text-align: center;\"><em> </em><span style=\"text-decoration: underline;\"><em><strong><em><span size=\"3\" face=\"Calibri\"><span lang=\"EN-US\"><span size=\"3\" face=\"Calibri\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong></em></span><span></span></p>','posts/123.jpg','grants-to-study-in-hk',NULL,NULL,'PUBLISHED',0,'2018-06-14 16:00:00','2021-11-25 16:55:49',114),(24,1,2,'I NEED TO HAVE MY TRUST FUND',NULL,'Today we will talk about the desire and ability of clients to manage trust, namely, about the client’s control over the assets transferred to the trust.Let\'s start with the main: Discretionary Trust does not provide for your asset management trust! In essence, the discretion of the trust is the broad powers that a trust company has over trust assets.','<p><span lang=\"EN-US\">Today we will talk about the desire and ability of clients to manage trust, namely, about the client’s control over the assets transferred to the trust.</span></p><p><span lang=\"EN-US\">Let\'s start with the main: Discretionary Trust does not provide for your asset management trust! In essence, the discretion of the trust is the broad powers that a trust company has over trust assets.<br /> <br /> That is why the law on CFC (Controlled Foreign Corporation) was introduced the item that only discretionary trusts are not controlled. Of course, all decisions regarding the management of trust assets when managing a discretionary trust are taken by trustee.<br /> <br /> Remember the other provisions of the CFC. The trust is not a CFC. If the trust is irrevocable, and upon expiration of the trust assets are not returned to the settlor, then the activities of the trust are not controlled by the settlor and the settlor does not participate in the distribution of income among the beneficiaries. Let me remind you that the same requirements are related to the Trust Protecor. If the Protector monitors all actions of the trust, then he is the controlling person.<br /> <br /> The previous paragraph is necessary to avoid needless illusions.<br /> <br /> Also you need to remember about the automatic exchange of tax information. In the part of trusts, if you opened an account in a bank (which is not necessary by the way) or otherwise showed a trust agreement to the bank (and you allowed to copy it or sent an e-mail) or to another exchange entity, information on the structure of the trust will be is visible in the Russian Federation or in another country to the participant in this exchange.<br /> <br /> The most interesting moment is the case when funds are transferred to the trust for stockbroking with securities or crypto currency. In this case, the settlor of trust wants to have the opportunity to manage the money quickly, and in some cases, have full access to them.<br /> <br /> Quote the</span><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></span><span lang=\"EN-US\">Discretionary Trust Clause: \"Trustees have the absolute right, hire to manage the assets of the trust, any third party companies and individuals who can be transferred all or part of the property or other assets to the management, on the terms that the trustees deem appropriate\".<br /> <br /> There are <span style=\"text-decoration: underline;\">two basic ways</span> to control assets partially:</span></p><p><span lang=\"EN-US\"><span>1.<span>     </span></span></span><span lang=\"EN-US\">The trust agreement special conditions listed. In these conditions, a mechanism for working through exchanges, commands for the trust company, obtaining consent of the protectors, etc. is provided. For example, a client makes a request to place funds there urgently, or to buy something, at the same time he connects the protectors who give consent. Trust company executes such a request. In so doing an e-mail from the client, has the power of a notarized document, as provided for by the trust. Risk of loss of assets is not borne by the trustee or protectors.<br /> I draw your attention to the fact that \"special conditions\" are an attachment to the trust and may not be shown to outside parties, since they are internal regulations, between the trustee and the settlor.</span></p><p><span lang=\"EN-US\"><span>2.<span>     </span></span></span><span lang=\"EN-US\">The settlor has created or creates a separate management company (broker), in which the trust company for five banking days lists the assets of the trust that is registered in the trust. The presence of a management company or a third-party broker or adviser is permitted by the trust. However, such a management company is obliged to report regularly on operations with the trust fund to the trust company and, at the first request, to return the assets to the trust company, the management company bank must be notified of this and give its consent to the refund under certain conditions.<br /> If a management company is established in a foreign jurisdiction, the settlor may be required to declare it as a controlled company in the Russian Federation in terms of its revenues as a broker rather than the yield of the trust, which allows it to reduce its profitability by increasing the yield of the trust.</span></p><p><span lang=\"EN-US\"> </span></p><p><span lang=\"EN-US\"></span><span lang=\"EN-US\">In addition to these methods, there are instances when management companies (financial assets or real estate) are under control of the settlor of trust. This control can be hidden, but effective.</span></p><p><span lang=\"EN-US\">Anyway, it is necessary to create clear mechanisms for the urgent return of funds when transferring asset management in the event of the settlor\'s death, for distribution to the beneficiaries.<br /> <br /> When creating a trust, it is necessary to take into account all your wishes, the existence of legislation and other factors, for example sanctions, or \"special treatment of Russians (Ukrainians, Belarusians, etc.)\".<br /> <br /> A risk insurance mechanism is always needed, and the insurance policy is transferred to the trust company, but not always it is economically justified.<br /> <br /> In any case, you need to start with a <em>consultation</em>.<br /> <br /> And once again I draw your attention to the fact that changing your tax residency from Russian Federation to European one, you become a tax resident of that country, with all the ensuing consequences. Including, and for the formation of trust agreements. In this regard, it is more beneficial to use more interesting tax jurisdictions in Asian jurisdictions, such as Singapore.</span></p>','posts/trust-fund.jpg','i-need-to-have-my-trust-fund',NULL,NULL,'PUBLISHED',0,'2018-05-11 02:15:00','2021-11-25 16:56:59',105),(25,1,2,'Where is crowdfunding - Trends 2018',NULL,'Statistics relentless - in 2018 80% of the planned ICO does not start, and the percentage of successful ICO (in the sense of collecting the planned amounts) does not exceed 2%. Today, about twenty ICO are launched every day, so the costs of their marketing are growing. If last year the marketing budget of the project was about $ 300,000, then this year experts advise to stock at least $ 500,000. At the same time, the average amount of collection is also steadily decreasing - now it is realistic to collect from one to five million dollars.','<p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Statistics relentless - in 2018 80% of the planned ICO does not start, and the percentage of successful ICO (in the sense of collecting the planned amounts) does not exceed 2%. Today, about twenty ICO are launched every day, so the costs of their marketing are growing. If last year the marketing budget of the project was about $ 300,000, then this year experts advise to stock at least $ 500,000. At the same time, the average amount of collection is also steadily decreasing - now it is realistic to collect from one to five million dollars.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Is there any common sense to risk running an expensive ICO project advertising campaign without guaranteed success? No. The ICO will have success with a real product or service that needs funds for its commercialization, namely, projects with a good idea and a business model that may be of interest not only to irrational investors from the crypto community (which have become much more rational today), but also venture investors. If in 2017, immediately after the ICO complete the project team received the amount of collected funds at their disposal, without any obligation and control (and these amounts were often much higher than is necessary for the implementation of the project), it is possible to eliminate in 2018 the possibility of such developments.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Today, it blurs the boundaries between the ICO, IPO and venture capital projects. For example, the NAGA Group AG – Fin-Tech company, listed IPO on the German stock exchange in Frankfurt, then held a successful ICO. There are successful examples of mirrored use. </span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Now the new mixed financing schemes are relevant:</span></p><ul><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">use the funds of venture investors to launch the project, and then conduct an ICO for full funding;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">one-stage ICO scheme, but releasing tokens provided by tangible assets (ICO then really become similar to the IPO);</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">use a combination of schemes for blockchain projects business application with financing for the provision of intangible assets;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">conduction of ICO modeled Crowd Source Funding (CSF) depending on the real economic meaning of the token (if it makes sense to the asset, the CSF, if the token is really utility, the ICO - until such a scheme works only in Australia)</span></li></ul><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></b></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Investors\' expectations</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Having experienced the deliberate deceit of expectations, investors today realized that the vast majority of project teams spend their funds inefficiently (at best) and will not be able to fulfill the promises, colorfully described in the roadmap. The requirements for ICO projects have increased, but different groups of investors have different expectations. All investors can be divided into <span style=\"text-decoration: underline;\">three groups</span>:</span></p><p><span style=\"font-family: Calibri;\" face=\"Calibri\"><span style=\"font-size: medium;\" size=\"3\">Group А — <em>irrational ICO investors</em> from the crypto community and speculators, rely on the significant difference in token’s price at presale and at the crowd sale stage of ICO;</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Group B — <em>rational investors</em> interested in concrete blockchain annexes;</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Group C — <em>new investors</em> who previously invested only in venture projects.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Different investors\' requirements of the three groups significantly, even investors group A require changes to the ICO system. They want to see more smart white paper and more distinct roadmap. Today they insist on an independent evaluation of the project. The profiles of the organizers in LinkedIn are carefully checked and their activity is monitored in social networks. Investors of Group B are interested in organizational improvements of ICO no less than investors of Group A, but they have specific wishes, including:</span></p><ul><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">depositing funds on escrow account by ICO organizers with the possibility of control by investors for their expenses;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">negation of the feasibility of a significant difference in the price of the token on presale and crowdsale (which contradicts the requirements of Group A investors);</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">desire to understand what the unique technological or business features of the project are that make it attractive for investment.</span></li></ul><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Investors of Group C understand (and largely share) the demands of investors of groups A and B. They expect from the organizers of the ICO:</span></p><ul><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">financial justification of promises (in figures and facts) - proof of payback and potential profitability of the project;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">confirmation that the intellectual property of the project is not only available, but also duly formalized and protected;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">actions from project organizers within the framework of ICO legislation / regulation in the relevant jurisdictions.</span></li></ul><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Overall, investors\' attention has shifted from marketing \"package\" on the quality of the projects. In 2018, only projects that have serious competitive advantages, an innovative application of blockchain in real business, a strong and competent development team and a thoughtful economy of the token will be financed further.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Behavior of regulators</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">The behavior of regulators in different countries of the ICO has a fairly wide range from a total ban (USA, China, South Korea) to support under certain conditions (Australia, Switzerland). Australian financial regulator ASIC Australia ICO asks the organizers to contact him through its Innovation Center at the beginning of the process of campaign planning, to talk about the business model and the token economy. At the same time, ASIC offers help and advice for free. Swiss regulator FINMA financial market encourages organizers of ICO make a formal request to FINMA, but charges a fee - depending on the ICO structure complexity or token model, an average of 10 000 to 15 000 Swiss francs (see FINMA Ordinance of The Leving of Supervisory Fes and Levies).</span></p>','posts/investitsii.jpg','where-is-crowdfunding-trends2018',NULL,NULL,'PUBLISHED',0,'2018-05-11 03:00:00','2021-11-25 16:56:58',69),(26,1,2,'Investment Portfolio management in Foreign Banks with Castle Family Office',NULL,'Each private banker is supported by a team of portfolio managers and trade specialists. You can stay up to date with all the global movements in the market, thanks to the powerful research team Castle Family Office.','<p style=\"text-align: center;\"><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">The process of forming and managing a portfolio is based on a systematic approach, which consists of the following stages:</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Understanding the client\'s priorities, needs and goals;</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Based on customer preferences and risk tolerance, the client is offered individually developed solutions for consideration;</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Before implementing decisions once again carefully checked whether all the topics thoroughly;</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">The portfolio is regularly reviewed to ensure that the investment strategy continues to meet the client\'s goals. </span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><span style=\"font-family: Calibri;\" face=\"Calibri\"><span style=\"font-size: medium;\" size=\"3\">Thanks to the experience and responsibility of <em>Сastle Family Office</em> Team, you can get help and support to make the right financial decisions!</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Each private banker is supported by a team of portfolio managers and trade specialists. You can stay up to date with all the global movements in the market, thanks to the powerful research team <em>Castle Family Office</em>.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Using its exceptional resources in the field of intellectual leadership, including the research of world-famous thinkers, industry leaders, Nobel Prize winners and experts on various topics, Top Global Banks are proud to present to <em>Castle Family Office</em> clients the best global ideas and perspectives that matter.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">State Management</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Creating a consistent growth and ensure sustainable profitability of your portfolio is the foundation that offers <em>Castle Family Office</em>. Bank experts will help you achieve your long-term goals, as well as provide the necessary flexibility.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">You will be able to make informed decisions, guided by the most up-to-date research and unbiased counseling. You will get access to the best products available on the market. You will be offered only those products that you need or are best suited to your situation.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Flexible Portfolio Management</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">You can choose the most suitable option for you Portfolio management:</span></p><ul><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">self-manage your investments with the help of a bank consultants;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">appoint a discretionary portfolio management team to manage your investments within certain parameters.</span></li></ul><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">No matter which option you choose, you can be sure that your portfolio will be in safe hands, even during periods of instability.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Comprehensive succession planning</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"><em>Castle Family Office</em> specialists can help you to protect your heritage by using various strategies, from planning to philanthropic management. Bank professionals in the field of state planning and trusts will work with you and your family to ensure a smooth transfer of wealth through generations. </span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"><span>According to the procedure of remote account opening with external asset management in the leading banks please email <a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></p><p></p>','posts/castle.jpg','investment-portfolio-management-in-foreign-banks-with-castle-family-office',NULL,NULL,'PUBLISHED',0,'2018-05-11 07:00:00','2021-11-25 16:56:56',102),(27,1,2,'Remote account opening with external asset management in Bank of Singapore in Singapore',NULL,'Singapore is one of the most important international financial centers. Absence of corruption, suitable for business legislation and the low level of taxation are attracting investors from around the world. Thanks to a thriving economy, Singapore banks today are among the most stable in the world. They can offer their clients world-class service and many opportunities associated with entering the promising Asian market. ','<p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Singapore is one of the most important international financial centers. Absence of corruption, suitable for business legislation and the low level of taxation are attracting investors from around the world. Thanks to a thriving economy, Singapore banks today are among the most stable in the world. They can offer their clients world-class service and many opportunities associated with entering the promising Asian market. If you are interested in this opportunity, we are pleased to offer you a remote account opening service with external asset management in Bank of Singapore.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Account with external asset management: features and benefits</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Account with an external asset management is used as an effective tool for managing savings. Unlike bank accounts, all communication with the bank on behalf of a client goes through an external asset manager. It includes absolutely all aspects of interaction with the bank - from account opening to closing. You receive additional protection of personal interests, and most importantly - completely independent investment and financial advice.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Account with an external asset management provides customers with many advantages, which are:</span></p><ul><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">simplified procedure for opening an account, due to the fact that the external asset manager assumes responsibility for the Due Diligence audit and compliance with the client\'s legal requirements, including in the field of combating money-laundering;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">a much wider range of products and services due to the presence of external asset managers in other banks and other service providers - the ability to choose the most beneficial option;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">opportunity to get comprehensive solutions for all needs of the family;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">full protection of interests - the external asset manager provides financial and legal protection when making transactions with banks, can provide timely legal manner;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">impartial advice - the external asset manager is an independent person. It acts solely in the interests of the client and does not attempt to sell any specific products or services;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">the ability to quickly react in the event of an adverse situation - for example, quickly close the account and to reallocate funds to other bank / other jurisdiction;</span></li><li class=\"justifyleft\"><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">elevated status of the client in the bank and the highest level of service - additional products and services, benefits, bonuses, the opportunity to reduce fees.</span></li></ul><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><span style=\"font-family: Calibri;\" face=\"Calibri\"><span style=\"font-size: medium;\" size=\"3\">An account holder with external asset management is serviced by both a private banker and an external asset manager. Due to this situation, the client receives additional privileges:</span></span></p><ul><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">out-of-office banking service;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">double control of each operation to avoid errors;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">able to compare the results of analytical studies prepared by different specialists, compare them and make a more balanced decision;</span></li><li><span style=\"font-size: medium;\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">protection against pressure from the bank.</span></li></ul><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Thus, an account with external asset management allows the client to ensure maximum profitability and protection of assets, minimizing risks and costs.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Bank of Singapore</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Bank of Singapore was founded after Following absorption of ING Asia Private Bank (IAPB) by OCBC in 2010. Private banking services of IAPB and OCBC banks were merged into Bank of Singapore.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Today Bank of Singapore is one of the fastest growing private banks in Asia. The bank is a 100% subsidiary of OCBC Bank — the second largest bank in South-East Asia. Bank of Singapore customers have access to a full range of OCBC Bank products and services, including private and commercial banking solutions such as financing, insurance and brokerage services.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">The Bank of Singapore has more than 1,900 employees, including 430 private bankers from different countries. The bank serves customers around the world, especially in its key markets - in Asia and the Middle East.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">The bank has its head office on Singapore — in the center of a strong and open economy. Bank of Singapore сustomers are confident in the unsurpassed stability and reliability of the bank.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Bank of Singapore serves clients through an extensive network of offices, including branches in Hong Kong, and Dubai International Financial Center (DIFC), and representative offices in Manila and Dubai. Bank of Singapore serves clients through OCBC office in London.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Bank of Singapore customers have access to the impartial opinion of a strong research team, the best of their kind financial products from various financial institutions around the world, as well as to the bank\'s own products.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\">Under the management of the Bank of Singapore, the value of assets has increased fourfold since 2010 and by the end of 2017 it amounted to 99 billion USD. Moody\'s Investors Service has assigned a rating of Aa1 bank, which is one of the highest rates. Bank of Singapore - the only bank in Asia, which was given such a high rating.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"> </span></p><p style=\"text-align: center;\"><span style=\"font-family: Calibri; font-size: medium;\" size=\"3\" face=\"Calibri\"><strong>C</strong><em><strong>ASTLE FAMILY OFFICE</strong> experts will help you in asset management, multiplying wealth creation and protecting the heritage. Thanks to the unique position of Bank of Singapore, you will gain access to the independence of the boutique bank together with additional resources and services from the parent company OCBC Bank.</em></span></p>','posts/BoS.jpg','remote-account-opening-with-external-asset-management-in-singapore',NULL,NULL,'PUBLISHED',0,'2018-05-11 10:00:00','2021-11-25 16:56:56',175),(28,1,2,'Why learning a foreign language is so important?',NULL,'In order to be successful and independent in the modern world, you need to be able to adapt to it and be mobile. It is proved that knowledge of one or several foreign languages improves your cognitive abilities, expands memory capabilities and strengthens communication skills.','<p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">In order to be successful and independent in the modern world, you need to be able to adapt to it and be mobile. It is proved that knowledge of one or several foreign languages improves your cognitive abilities, expands memory capabilities and strengthens communication skills.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">What are the advantages you can get with a second language skills?</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">You will feel self-confidence</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Learning a foreign language and the ability to express your thoughts in a different language, for example, in English, French, Spanish or German - is an amazing achievement! Living abroad, you can get an unforgettable experience and enjoy unexpected adventures. You will feel confident and be surprised by your new opportunities.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">You will expand your professional possibilities</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Learning a foreign language can change your career and also your professional status. You can increase your working contacts or open your business in a new market, or decide on a new job abroad - and all these opportunities are available to you if you know yet another language.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Improve your test score sheet</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Learning a foreign language, especially abroad, changes your test score sheet and gives you a better chance of success. If you want to go to university or you are already studying at university, adding a foreign language to your statement will open new doors for you!</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">More career prospects</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Knowledge of a foreign language broadens your career opportunities in your home country or abroad. According to the latest research data, the income of those managers who are fluent in a foreign language is 35% more.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Any culture is getting closer</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Fluency in foreign languages means that the whole World is open to you. Traveling, living or studying abroad, you can experience the true life of the country, its culture, traditions and national characteristics.  We guarantee that such the experience will be invaluable and will give you a lot of unforgettable moments!</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><b><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Connection with the whole World</span></b></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">You will be able to communicate with millions of people around the world, exchange opinions, discuss current events and share experiences. Don’t miss the opportunity to make new acquaintances, find interesting friends and reliable business partners.</span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p style=\"text-align: center;\"><em><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Edmund de Waal said: \'With languages, you can move from one social situation to another. With languages, you are at home anywhere!\'. </span></em></p><p style=\"text-align: center;\"><em><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"><strong>CASTLE FAMILY OFFICE</strong> experts understand how this is important and will gladly help to choose the perfect language school, private tutor or language courses practically anywhere in the World!</span></em></p><p></p>','posts/Screenshot.png','why-learning-a-foreign-language-is-important',NULL,NULL,'PUBLISHED',0,'2018-05-14 02:15:00','2021-11-25 16:56:54',92),(29,1,2,'Citizenship by investment and bitcoin',NULL,'When you find out which country offers citizenship for bitcoins, are you thinking of issuing a Vanuatu passport? No time to dilly-dally: more and more search queries concern how to get Vanuatu\'s passport by bitcoins and apply for citizenship by crypto currency.','<p><span lang=\"EN-US\">When you find out which country offers citizenship for bitcoins, are you thinking of issuing a Vanuatu passport? No time to dilly-dally: more and more search queries concern how to get Vanuatu\'s passport by bitcoins and apply for citizenship by crypto currency. In this situation, the delay increases the risk to get caught up in the queue for a new passport.</span></p><p><span lang=\"EN-US\">Wealthy investors are looking for citizenship by investments in order to easily travel, conduct business and open bank accounts around the world in search of additional freedom and a high quality of life. These schemes can benefit them and their families and also protect the wealth of these people.</span></p><p><span lang=\"EN-US\">Programs \"citizenship by investments\" are interest for investors from such countries and regions as the Middle East, South Asia, China and Russia, as a rule. Their goal is to lead a better and more productive life, enjoy visa-free travel, and avoid the political uncertainties and unrest which quite often occur in these countries and region.</span></p><p><span lang=\"EN-US\">You can now apply for citizenship by investments in five countries in the Caribbean (St. Lucia, Grenada, Dominica, St. Kitts, Antigua), three European countries (Malta, Moldova, Cyprus), the spirit of the Middle East countries (Jordan, Turkey), and also in the Pacific island nation of Vanuatu.</span></p><p><span lang=\"EN-US\">The programs \"citizenship by investments\" are dynamically developing and being transformed. Such changes are often multidirectional - in the field of requirements for candidates and in terms of the entry threshold. So it is not easy to predict trends in this area.</span></p><p style=\"text-align: center;\"><em><span lang=\"EN-US\">For more information, please, feel free to <a href=\"mailto:info@castle-familyoffice.sg\">contact us! </a></span></em><strong>CASTLE FAMILY OFFICE</strong> experts<span lang=\"EN-US\"> </span><span lang=\"EN-US\">will be glad to help you!</span></p><p></p>','posts/Citizenship-By-Investment.png','citizenship-by-investment-and-bitcoin',NULL,NULL,'PUBLISHED',0,'2018-05-14 02:30:00','2021-11-25 16:56:54',64),(30,1,2,'Maltese Citizenship: a lifetime’s worth in the country',NULL,'The \"price\" of the Maltese passport is about 1 million euros, and most of this amount (650 thousand euros) must be invested in the local state fund for socio-economic development. Where are the money spent from this fund? ','<p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">How much does the Maltese citizenship? The \"price\" of the Maltese passport is about 1 million euros, and most of this amount (650 thousand euros) must be invested in the local state fund for socio-economic development. Where are the money spent from this fund? Let’s try to understand, based on the latest news from the Mediterranean jurisdiction.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">People with high incomes, in order to find tools to expand their freedom of movement around the world and get better opportunities in the field of tax optimization and opening bank accounts in different parts of the world, understand that having only one passport of the country of birth is little guidance in this matter. </span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">They decide to get second, third and the umpteenth passports, often using long and difficult naturalization abroad for this.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">But what’s less well-known is that already in 2018, you can legally issue a passport in just one and a half months, paying the equivalent of the cost of an ordinary two-room apartment in Moscow or Kiev.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Price begins with a mark of 100 thousand US dollars - that is, from the amount that is quite elevating for the vast majority of successful businessmen from the post-Soviet space. Moreover, the price could shrink.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Unfortunately, the most valuable and useful passports are worth more for understandable reasons. As an example, the citizenship of Malta, whose price is 1 million euros. Fortunately, the Maltese passport provides its holder with a number of unique bonuses like visa-free regime in the US, Australia and Canada, as well as many other advantages.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">An increasing number of wealthy and successful Russians, Ukrainians, Belarusians, Kazakhstanis and Azerbaijanians are interested in the citizenship of Malta. What does the Maltese passport give? What provides the citizenship of Malta with the advantages? Is it worth investing considering the cost of Maltese citizenship?</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">As already mentioned above, there are many advantages to the citizenship of Malta, and one of them is the opportunity to live in a country where citizens are cared for not only in words but also in deeds. And the latest news serves as a vivid confirmation.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">The Maltese Prime Minister Joseph Muscat reported the launch of a major project in the field of housing construction, financed with the proceeds from the Maltese program \"Citizenship by Investments\".</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">The Prime Minister announced that € 50 million received from the \"citizenship by investment\" scheme in Malta, will be spent on large-scale project for the construction of social housing, in which will create about 500 new individual residential properties in Malta.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri;\" face=\"Calibri\"><span style=\"font-size: medium;\" size=\"3\"><span> </span>\"This initiative, like other social housing projects that we have already launched, shows that the current government is going to implement the largest social initiative of our time, and this will become a part of our heritage. In a few years, we will have about 1 100 new social housing projects with a total investment of 100 million euros, \"the head of the Maltese government said.</span></span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></span><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">This is the second major project, announced in recent months by the National Development and Social Security Fund, which manages income from subsidies under the \"citizenship by investment\" scheme of Malta. Last month, Muscat announced that 5 million euros from this fund will be donated to the Puttinu Cares project to build new apartments for people with disabilities in central London. Then the critics accused Muscat of trying to manipulate public opinion and thus reduce criticism of the \"citizenship by investment\" scheme of Malta, sounding from abroad.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Muscat\'s announcement of the new project launch coincided with government\'s preparation for publication of an information document on the housing market designed to stabilize the rental services market and to contain abuse among homeowners leading to rental growth. The latter is not profitable scheme to participants \"citizenship by investments\".</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">\"We will be the first government that will take the courage to take measures to ensure that the rental market is no longer the\" jungle \"that it is currently. It\'s time to make a leap forward. We\'re not doing what happen elsewhere, but it\'s time to offer greater price stability and give players a certain confidence in the market. We will also introduce new responsibilities and rights for homeowners. Our goal is to create a balance that promotes social justice, which helps homeowners get a fair profit and provide guarantees to tenants\", Muscat said.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri;\" face=\"Calibri\"><span style=\"font-size: medium;\" size=\"3\"><span> </span>\"We will also take action against people who try to cheat the system. I want to be very clear - social housing is meant for those who really need it, for those who can’t acquire their own property because of illness or poverty, and not for those who want to be lazy and try to abuse government initiatives «, politician added.</span></span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">Note that Maltese citizenship can be obtained by naturalization, having previously issued a permanent residence in this country on very favorable terms.</span></span></p><p><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></span></p><p style=\"text-align: center;\"><em><span lang=\"EN-US\"><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> If you have any questions regarding the registration of Maltese citizenship, <strong>CASTLE FAMILY OFFICE</strong> experts willing to answer them! Write us via email <a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></em><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"></span></span></p><p></p>','posts/malta.jpg','maltese-citizenship-a-lifetimes-worth-in-the-country',NULL,NULL,'PUBLISHED',0,'2018-05-14 05:00:00','2021-11-25 16:56:52',116),(31,1,2,'Hong Kong is committed to the timely implementation of an automatic tax and financial information exchange',NULL,'The Government of Hong Kong is considering proposals by interested parties for the best implementation of the automatic exchange of financial and tax information. Today, Hong Kong\'s commitment to meeting all international standards of transparency with the purpose of further AEOI is, more than ever, one of the most important issues for maintaining a positive reputation for jurisdiction.','<p>  The Government of Hong Kong is considering proposals by interested parties for the best implementation of the automatic exchange of financial and tax information.</p><p>  Today, Hong Kong\'s commitment to meeting all international standards of transparency with the purpose of further AEOI is, more than ever, one of the most important issues for maintaining a positive reputation for jurisdiction. In addition, the preparation of not only Hong Kong, but also other jurisdictions that have joined the OECD program on the automatic exchange of tax information, is \"fatal\" for the implementation of the entire program. The most vivid example of the failure of preparation was the FATCA law introduction, reporting on which was extended a year ahead due to failure to collect the necessary information for its transfer to the US tax authorities. That is why Hong Kong\'s efforts are particularly valuable for the implementation of the entire program.</p><p>  The Hong Kong government informed the Global Forum on Exchange and Transparency of Tax Information that Hong Kong supports a new global standard for automatic information exchange to expand tax transparency and combat international tax evasion.</p><p>  The Organization for Economic Development and Cooperation presented the Common Accounting Standard for the automatic financial information exchange for tax purposes, and encouraged Governments to obtain detailed information on the accounts from their financial institutions, after which they automatically exchange information with the jurisdictions in which the owners of those accounts reside. Provide this information every year. The Global Forum consisted of 120 member jurisdictions, including Hong Kong, and invited all its member jurisdictions to commit to the implementation of this new international standard, after which Hong Kong stated that it fully supports this initiative.</p><p>  From April to June 2015, the Hong Kong government held consultations, and the first automatic exchange of information is planned by the end of 2018.</p><p>  In recent years, Hong Kong has significantly expanded its regime to meet the emerging international standards for information exchange. Including Hong Kong abolished internal requirements for the tax on interest, which allowed to comply with comprehensive agreements on avoidance of double taxation, and also established a legal mechanism for its jurisdiction to conclude agreements on the exchange of tax information with other countries.</p><p>  The Global Forum recognizes Hong Kong\'s efforts in this direction and confirms that Hong Kong is an effective and cooperating partner in the exchange of information with other countries.</p><p>  It is worth noting that Hong Kong actively supports international efforts to promote transparency in tax administration, and strives to comply with the standard of transparency and information exchange developed by the Organization for Economic Cooperation and Development, while protecting the confidentiality of information and doesn\'t violate the rights of taxpayers.</p><p>  \"It is important for Hong Kong to adopt the last global standard in the area of fiscal transparency in order to maintain its international commercial and financial center competitiveness, as well as its international reputation\", said Secretary of Treasury and Financial Services, Professor KC Si Chan. Having added that \"by promoting this initiative\" the Hong Kong government will pass through the usual procedure of approval and adoption of the standard, and will involve relevant stakeholders, thus creating an appropriate strategy and resolving legal issues that require the approval of the Legislative Council for enforcing the new international standard.</p><p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p style=\"text-align: center;\"><em> If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists! Write us at:</em></p><p style=\"text-align: center;\"><em> </em><em><strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.s<span style=\"text-decoration: underline;\">g</span></a></span></span></span></em></strong></em><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><br /></span></p>','posts/honkon.jpg','hk-with-aeoi',NULL,NULL,'PUBLISHED',0,'2018-06-08 08:45:00','2021-11-25 16:56:00',113),(32,1,2,'How did New Zealand turn into a paradise for foreign investment?',NULL,'Unlike most of the major OECD countries, New Zealand wasn\'t exposed to a stiff and rapid recession. The fact is that this state, located in the eastern hemisphere of our planet, unlike other highly developed countries has very strict banking and credit standards.','<p>  Unlike most of the major OECD countries, New Zealand wasn\'t exposed to a stiff and rapid recession. The fact is that this state, located in the eastern hemisphere of our planet, unlike other highly developed countries has very strict banking and credit standards. Since New Zealand was able to adequately withstand all financial problems in connection with the crisis of mortgage markets, we can confidently say that this market does not have a significant direct impact on the economic and financial stability of New Zealand. While the country\'s banks don\'t provide high-risk loans, the effect of the economic recession will not be as significant and tangible as it did in other countries where the mortgage market took a strong position and had a big impact on the economy of the country.</p><p>  New Zealand can offer other attractive financial privileges, which allow to remain in the black, both the jurisdiction itself and investors. New Zealand has a policy of maximum diversification. In addition, the central government of the island state called its economy an international leader among small countries. And whatever critics say, this position is constantly confirmed by international currency markets.</p><p>  New Zealand retains comparative privileges at the international level, despite the fact that the US economy is recovering. In addition, New Zealand\'s currency against the US dollar is the second most attractive of the 16 major currencies tracked by Bloomberg in 2014. The income of the New Zealand dollar is approaching 4%, unlike other currencies, such as the Canadian dollar, which experienced a fall of -3.6%.</p><p>  Most recently, the New Zealand dollar also rose in price thanks to the policy of the New Zealand Central Bank, which became the first Central Bank among developed countries who raised interest rates from 2011. And of course, the country\'s economic development continues to stimulate the growth and progress of the local currency. Also worth noting is that New Zealand has not been subjected to the rapid drop in oil prices. This is largely due to the fact that the country is not heavily dependent on raw materials and resources, unlike many other countries.</p><p>  Country «kiwi» is a significant exporter of many products that guarantee economic stability jurisdiction. New Zealand allows you to take a worthy place in the international market of the exporter. Due to the fact that the world increasingly needs dairy products, New Zealand will have a stable market for many years to come.</p><p>  Despite all positive and stable trends and prospects for the economy of New Zealand, the country is also famous for its political stability, which brings financial stability and observance of the highest standards of life in comparison with all OECD countries. There still exists a small level of corruption and the two ruling parties adhere to centrist ideology. Thus, there are no cardinal changes in the political sphere of the country, even with the change of government.</p><p>  New Zealand is located near the most highly developed and attractive Asian countries, which provides a lot of opportunities for the jurisdiction itself, as well as for Asian investors who for many years have appreciated the stability and attractiveness of New Zealand. Highly-assured investors from China and Japan appreciate New Zealand\'s investment market and life itself: good schools, low crime rate and clean environment.</p><p>  The history of New Zealand\'s economic success offers investors peace of mind, thanks to the understanding that New Zealand provides safe investment opportunities with a high level of profitability, which outperforms comparable investments almost all over the world.</p><p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"> </span></p><p style=\"text-align: center;\"><em> If you have any questions, feel free to ask them to <strong>Castle Castle Office</strong> specialists! Write us at:</em></p><p style=\"text-align: center;\"><em> </em><em><strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.s<span style=\"text-decoration: underline;\">g</span></a></span></span></span></em></strong></em><span style=\"color: #444444; font-family: Arial, sans-serif; font-size: 10.5pt; text-align: justify;\"><br /></span></p>','posts/auckland.png','nz-paradise-for-investments',NULL,NULL,'PUBLISHED',0,'2018-06-09 02:30:00','2021-11-25 16:55:58',136),(33,1,2,'World Cup winners',NULL,'The 2018 World Cup is coming to Russia next month on 14 June. We highlight companies that are beneficiaries of this global event.','<p>The 2018 World Cup is coming to Russia next month on 14 June. We highlight companies that are beneficiaries of this global event:</p><p><b>Anheuser-Busch InBev</b>: Budweiser is the main global sponsor for beer<br /><b>Carlsberg</b>: Carlsberg is the market leader in Russia<br /><b>Heineken</b>: Heineken is the second largest brewery in the world<br /><b>Adidas</b>: Biggest sportswear sponsor with 12 teams on its sponsorship this World Cup<br /><b>Nike</b>: Global leader in the footwear and sports apparel market.</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Anheuser-Busch InBev (ABI BB)</span></em></strong></p><p>   Anheuser-Busch InBev is the world largest beer company, with market leadership in the US, Brazil, Canada, Mexico, Argentina and Belgium beer markets. It is estimated that 50% of ABInBev sales are generated in countries that are playing in the World Cup. The company is using its SABMiller merger cost savings to spend on World Cup promotions.</p><p>   Key brands: Budweiser, Bud Light, Stella Artois, Corona, Brahma and Leffe</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Carlsberg (CARLB DC)</span></em></strong></p><p>   About 15% of its operating net profit comes from Russia. As a market leader in Russia, it is a beneficiary of the expected surge in beer sales during the World Cup. The company is also in the midst of its “Sail’22” strategy to boost profitability via rationalizing its number of SKUs in Europe and executing its premium-beer brands program.</p><p>   Key brands: Carlsberg, Tuborg, Feldschlösschen, Okocim, Wusu and Baltika.</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Heineken (HEIA NA)</span></em></strong></p><p>   Heineken is one of the few family-controlled firm left in the beer industry. Since 1864, the founding Heineken has controlled the company. The company is turning its focus on the cider beer business which is expected to enjoy strong growth opportunities. In soccer, Heineken is the main sponsor for the UEFA Champions League. It is also growing its presence in Asia-Pacific with the region accounting 15% of its sales.</p><p>   Key brands: Heineken, Amstel, Desperados, Dos Equis, Sol, Tiger and Strongbow Cider. </p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Adidas (ADS GR)</span></em></strong></p><p>   Adidas is growing its profitability via the strengthening of its gross margin. Gross margin is expected to be above 50% as a result of operating leverage and higher contribution from digital segment. The company dominates the soccer market with a longterm partnership with FIFA until 2040. It is the biggest sportswear sponsor with 12 teams on its sponsorship this World Cup. Adidas recently announced a €3.0bn share buyback for the next three years. This is more than 7% of its market cap and will add accretion to its EPS.</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Nike (NKE US)</span></em></strong></p><p>   Nike is the global leader with high market share in the footwear and sports apparel market. The company is pushing into digital innovation by engaging in R&amp;D. This has translated into a healthy pipeline of innovative footwear that is appealing to consumers. It is a beneficiary of the US tax reform with reduced tax rate and higher share repurchase program. Consumer spending is also expected to increase in the US as a result of the recently enacted tax reform.</p><p> </p><p><b>Edmund Chan, CFA</b></p>','posts/edmundch.jpg','world-cup-winners',NULL,NULL,'PUBLISHED',0,'2018-05-22 11:30:00','2021-11-25 16:56:41',90),(34,1,2,'Half of foreign direct investment in Russia was provided by Singapore, and Moscow is sponsored by offshore companies',NULL,'Singapore became the largest foreign investor in Russia in 2016. Asian tiny state has invested in the economy of Russia 16.3 billion dollars. At the same time, the mayor of Moscow said that most of the investments are provided by offshore companies.','<p>Singapore became the largest foreign investor in Russia in 2016. Asian tiny state has invested in the economy of Russia 16.3 billion dollars. At the same time, the mayor of Moscow said that most of the investments are provided by offshore companies.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Singapore - the largest investor in Russia in terms of direct investment in 2016</strong></em></span></p><p>   According to the reports of the Central Bank of Russia, in the form of direct investment in Russia came $ 33 billion in 2016. At the beginning of the year there were data on 19 billion dollars, but apparently the figures were specified. In any case, this is a serious increase in FDI in Russia - a year before the investment amounted only 12 billion.</p><p>   Half of the $ 33 billion was provided by Singapore: it invested $ 16.3 billion in Russia, with almost the entire amount coming at the end of the year.</p><p>   Singapore entered the TOP-10 countries with the highest foreign direct investment confidence index A.T. Kearney</p><p>   This means that Singapore has increased its investments in Russia 88 times per year. Has the modern economic miracle seen a huge potential in Russia? And yes, and no: last year Russia held a major deal to sell RosNeft shares. The Singapore company QHG Shares Pte. Ltd., which was created specifically for this transaction, acquired a 19.5% stake in the amount of 10.2 billion euros (692 billion rubles).</p><p>   This shows two things: investing through Singapore is profitable, since we are talking about such amounts; and next year it is unlikely that Singapore will retain leadership in this rating and the usual Bahamas, Bermuda and other offshore will take positions back.</p><p>   On the other hand, such a deal has already activated the interest of Russian entrepreneurs in Singapore and the flow of applications for Singaporean companies and bank accounts has increased dramatically. The Russians open branches, divisions or new businesses there, depending on their goals and wishes.</p><p>   Especially Singapore really offers unique conditions for various start-ups, especially in the field of technology, medicine, software.</p><p><span style=\"text-decoration: underline;\"><em><strong>Foreign direct investment: who else is investing in the Russian Federation?</strong></em></span></p><p>   After Singapore in the list of major investors - the Bahamas - the leader of the previous 2 years, which invested 5.8 billion dollars. Third place in Bermuda with 2.4 billion.</p><p>   Next came France with 2.4 billion, Switzerland with 2 billion and Austria with 1.8 billion.</p><p>   Greatly reduced their share of the British Virgin Islands (up to 1 billion or 2.5 times), the island of Jersey (apparently there was information that Jersey is ready to exchange tax data with Russia). Even Britain, Germany and China reduced their investments. Their place was partly taken by Sweden and the United States - each with 0.4 billion.</p><p>   Most of the money was withdrawn by Ireland and Luxembourg, but it was mostly the payment of debts. Apparently, Russian enterprises are closing their debts on those loans that they took before the fall of the ruble. It is more profitable to pay off old duties, before taking new ones.</p><p>   At the same time, FDI in the world as a whole decreased by 13%. In 2017, they forecast an increase of 10%. Russia, in order to maintain growth, we will have to either sell a part of Rosneft, or offer investors other interesting deals. We will observe, but on the whole, after a major transaction at 692 billion rubles, to expect a repetition of the same for the next year - it seems unlikely.</p><p><span style=\"text-decoration: underline;\"><em><strong>Offshore investing in Moscow</strong></em></span></p><p>   Moscow Mayor Sergei Sobyanin said that investments in the capital continue to flow, but the basis for foreign investment is offshore.</p><p>   He named Cyprus and Luxembourg as the largest investors, although according to the general statistics for 2016 they did not show grandiose results. Cyprus has finally emerged as a plus, but only $ 200 million.</p><p>   In Moscow, recently invested 1.7 trillion rubles. In 2015, there were 1.6 trillion, and in 2014 - 1.5 trillion. Investments continue to grow and are not going to stop.</p><p><span style=\"text-decoration: underline;\"><em><strong>Register a company on the Marshall Islands from Moscow</strong></em></span></p><p>   According to Sobyanin, among the offshore companies that invest in the Russian capital, there are probably many who receive money from Russia, and then return them back. But he can not specify the exact number of such companies: the ownership of offshore companies is complex and often mixed between Russians and foreigners.</p><p>   In general, we see that investors protect their investments with the help of offshore companies. It doesn\'t matter if they are Russians or Americans under the cover of offshore jurisdictions. The main thing is that offshore companies have been and still are an important and necessary tool for work. Especially in Russia.</p><p><span style=\"text-decoration: underline;\"><em><strong>Register an offshore company in Nevis online from Moscow</strong></em></span></p><p>   We offer readers of our portal to carefully study the options that different offshore companies offer: Singapore, Nevis, Cyprus or the United Kingdom. Each of them has strengths and weaknesses, and each of them is beneficial for its type of activity.</p><p>   Thanks to offshore, your investments in Russia, the United States, Africa and even Antarctica will be under reliable protection. And it will be much easier to manage them than through similar structures and companies in conventional onshore countries.</p>','posts/Vasiliy.jpg','moscow-is-sponsored-by-offshores',NULL,NULL,'PUBLISHED',0,'2018-05-22 18:00:00','2021-11-25 16:56:38',141),(35,1,2,'Greed is indestructible: How secretly mined officials, students and scientists',NULL,'How much electricity does the crypto-currency sector need? After all the talk that bitcoin consumes furious amounts of energy, the first scientific work with estimates finally appeared.','<p>How much electricity does the crypto-currency sector need? After all the talk that bitcoin consumes furious amounts of energy, the first scientific work with estimates finally appeared. The data in it supports the point of view of pessimists. The level of energy consumption may double by the end of this year, and if it continues to grow at the current rate, by the end of 2019, bitcoin may use more energy than all solar cells can produce. Therefore, many people want to mine at someone else\'s expense.</p><p>   Calculations published this week in the journal Joule, are not new. The author Alex de Vries has already published them in the past, but only now the expert community gave them an assessment. In his work de Vries writes that one should take into account such a factor as the possibility of theft of electricity. And this, perhaps, is one of the most interesting aspects of the study.</p><p>   There are a lot of examples of cryptojacking - hacking computers for the purpose of mining. It has mixed dubious applications, corporate websites, and even Starbucks coffee houses. In this case, the user opens or downloads something, and the free computing power of his computer is used for mining without the knowledge of the owner. De Vries does not write about this at all: he cites examples of people deliberately abusing the resources of companies and scientific foundations. Below are the five most impressive examples.</p><p><span style=\"text-decoration: underline;\"><em><strong>Russian nuclear scientists were detained for attempting to master crypto-currency on government computers</strong></em></span></p><p>  The beauty of this case lies in the absurdity of the place where this story occurred. Russian scientists were not in Moscow or St. Petersburg, but at the Russian Federal Nuclear Center in the city of Sarov, Nizhny Novgorod region. This center is also known as the All-Russian Scientific Research Institute of Experimental Physics (RFNC-VNIIEF).Since the middle of the last century, Soviet atomic weapons have been designed and built there. The center is a regime enterprise in a closed area, where there is no access for tourists. The computers of the nuclear center (among which the most powerful in Russia) were not connected with the Internet. When in February 2018 one of the scientists tried to connect supercomputers to the World Wide Web, the security department sounded the alarm. A group of employees was detained and a filed criminal charges against them.</p><p><span style=\"text-decoration: underline;\"><em><strong>Arrest of an employee of the Citrus Department in Florida</strong></em></span></p><p>   In March of this year, the IT manager of the Citrus Department in Florida (yes, this is the name of the department responsible for the production of citrus crops in the state) was arrested for mining bitcoin and lightcoin, as reported by the local newspaper Tampa Bay Times.</p><p>   Unlike the episode with the Russians, Matthew Davenport got caught just like most unlawful miners: someone noticed an increase in electricity costs. When the monthly bill jumped $ 825, Davenport\'s colleagues in the Citrus Department suspected something was amiss. In addition, Davenport spent more than $ 20,000 of the state\'s funds for mining equipment.</p><p><span style=\"text-decoration: underline;\"><em><strong>The US government removed the work of a professor secretly passing coins on the supercomputers of the National Science Foundation</strong></em></span></p><p>   We want to believe that scientists - especially those hired by government agencies set up with taxpayers\' money - will turn out to be decent people. S<span>ometimes we\'re wrong</span><span>.</span> Supercomputers of the National Science Foundation are designed to find a cure for cancer. In March 2014, this organization suspected the employee that he used the equipment for personal enrichment. And it cost the fund huge bills for electricity.</p><p>   The semi-annual report, which the National Science Foundation provided to Congress in March 2014, reported: \"The researcher spent $ 150,000 of the fund\'s funds on computers in two universities to produce bitcoins in the amount of $ 8,000 to $ 10,000\".</p><p>   The scientist claimed that he conducted tests on computers, but representatives of both universities say that he unintentionally remotely penetrated into computer systems, after which he tried to hide activity - in particular, by connecting to one of the supercomputers through a mirror site in Europe.</p><p><span style=\"text-decoration: underline;\"><em><strong>A Harvard student mined Dogecoin on a supercomputer</strong></em></span></p><p>   Many students use the free electricity of the campus for the crypto currency. Our case stands out in that the student Minnil Dogecoin is a parodic \"digital p2p-currency with open source code, the choice of siba-inu all over the world.\" This incident forced the assistant of Dean of the Department of Research in the field of scientific computing, Harvard James Cuff, to write to students an e-mail with the appeal \"not to let it happen again\". Blessed who believes: it will be repeated.</p><p><span style=\"text-decoration: underline;\"><em><strong>Employee of the Federal Reserve System was engaged in mining in the workplace<br /></strong></em></span></p><p>   The case is outstanding, as, as is well known, the US Federal Reserve is called upon to control real money. However, the analyst of technical means of communication, Nicholas Bert, did not believe that the employer will be able to control its activities. As a result, Berthomi was sentenced to a probationary period and ordered to pay $ 5.000.</p><p><span>   What opportunities does the Russian employer have to take responsibility for mining? For the fact that the employee spends working time on personal matters, the employer has the right to bring him to disciplinary responsibility under art. 192 of the Labor Code of Russian Federation, explains the head of the legal department of the Russian IT company Olga Kozlova.That is, the company can make a note, pronounce a reprimand and even fire. And the material responsibility for the consumed electricity will not be borne by the miner, since in accordance with Art. 238 of the Labor Code of the Russian Federation, the employee reimburses only the damage caused directly to the property of the employer, to which the consumption of electricity does not apply, says the lawyer.</span></p>','posts/bitcoin.jpg','how-secretly-mined-officials-students-scientists',NULL,NULL,'PUBLISHED',0,'2018-05-22 18:00:00','2021-11-25 16:56:40',119),(36,1,2,'Singapore agreements on bilateral trade relations - another reason to register a company in Singapore',NULL,'Entrepreneurs who want to create a trading business in Asia should first of all consider Singapore as a base for operations. According to a recent report by Ernst & Young \"Asia: new patterns of trade\", Singapore became the leader in the Asia-Pacific region in the field of bilateral free trade agreements (in general, Singapore today officially concluded 18 such agreements).','<p>Entrepreneurs who want to create a trading business in Asia should first of all consider Singapore as a base for operations. According to a recent report by Ernst &amp; Young \"<span>Beyond Asia</span>: new patterns of trade\", Singapore became the leader in the Asia-Pacific region in the field of bilateral free trade agreements (in general, Singapore today officially concluded 18 such agreements).</p><p>   The report also noted that there is significant growth potential within regional trade in Asia. Singapore remains the leader in economic openness in the region, for comparison, for today Hong Kong has only two agreements on bilateral free trade. Singapore also has free trade agreements with countries with powerful economies outside and within Asia - China, European Union, Australia, India, Japan and South Korea. Thanks to numerous trade agreements, the World Economic Forum called Singapore the most open country for international trade.</p><p>   ТSuch data is certainly good news for anyone who wants to create a trading business in Singapore. The profit of a trading company, openness of the market, and reputation are especially important if the company conducts its business across borders. This is important because, when transporting and storing goods, you can face various difficulties, such as high customs duties or even confiscation of goods due to trivial rules.</p><p>   Bilateral free trade agreements that eliminate tariffs, import duties and other restrictive requirements are a great incentive for business and the economy. The most obvious and direct benefit is that these agreements help to reduce trade barriers that ensure the economic delivery of goods and services between countries. This leads to the expansion of markets in the future.</p><p>   Tax incentives aimed at trading enterprises are one of the main reasons why Singapore is the best place to register a trading company. Companies in this industry can get a 5% - 10% rate on the Global Trader Program.</p><p>   Singapore also recently abolished the tax on goods and services in relation to investments in precious metals, which allowed Switzerland Metalor Technologies to build a refinery plant for 18 million Singapore dollars and a factory for the production of gold bars.</p><p>   Even for companies that do not trade, the corporate tax rate in Singapore is one of the reasons why companies do business there. In order to attract investors and international companies, the government continues to reduce the corporate tax rate, for example, the rate in 2000 was 26%, and at the moment - 17%. Finally, the absence of a capital gains tax also makes Singapore an ideal environment for financial traders and investors.</p><p></p><p style=\"text-align: center;\"><em>If you have any questions, <strong>Castle Family Office</strong> specialists are ready to answer them! Write to us at: <strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong> </em></p>','posts/Raffles_Place.jpg','another-reason-to-register-a-company-in-singapore',NULL,NULL,'PUBLISHED',0,'2018-05-24 11:30:00','2021-11-25 16:56:38',65),(37,1,2,'Is Singapore - offshore?',NULL,'Often entrepreneurs use the term offshore to characterize their foreign company, but far from all cases the application of this word reflects the real essence. Is it right to call Singaporean companies offshore and is jurisdiction offshore in the classical sense?','<p>   Often entrepreneurs use the term offshore to characterize their foreign company, but far from all cases the application of this word reflects the real essence. Is it right to call Singaporean companies offshore and is jurisdiction offshore in the classical sense?</p><p>  Singapore can not be classified as classic offshore. However, there are also nonclassical offshore jurisdictions (midshory), which have some characteristic features for classic offshore attributes. Here to this group of countries it is possible to carry Singapore safely.</p><p style=\"text-align: center;\"><span style=\"text-decoration: underline;\"><em><strong>Is Singapore offshore in terms of the tax system?</strong></em></span></p><p>   In classic offshore companies are exempted from taxation at the legislative level. It is a characteristic feature for classical offshore jurisdictions. Consequently, when using the term \"offshore\", an interlocutor arises - a tax haven.</p><p>   Singapore can\'t be classified as classic offshore, since the official corporate tax rate is 17%. On the other hand, the government provides a number of tax incentives and incentives to reduce the tax burden to almost zero, and some types of income and there is no tax at all. So, start-ups (i.e. young companies under 3 years old) can use a special scheme:</p><ul><li>For the first 100 thousand SGD of the annual income, the exemption is 100%, that is, the tax rate is 0%.</li><li>For the next 200 thousand SGD of the annual income (from 100 001 to 300 000) - 50%, that is the rate is equal to 8.5%.</li><li>More than 300 thousand SGD of annual income is taxed at the full 17% rate.</li></ul><p>   In addition, there is a tax discount of 50%, but not more than 20 000 SGD.</p><p>   Income from capital gains, dividends from foreign sources, income from branches in other countries and from services received from other states are exempt from taxation.</p><p>   Consequently, Singapore is a nonclassical offshore but midshore.</p><p><span style=\"text-decoration: underline;\"><em><strong>Are the company in Singapore offshore when doing business outside the country?</strong></em></span></p><p>   Another characteristic feature of classic offshore is the lack of company activity in the country of its establishment. Classic offshore simply enough to have a registered address.</p><p>   What\'s in Singapore? Yes, a company can conduct its business outside the country, but to use tax benefits, the management and control of the company must be carried out from Singapore, as well as other legal requirements. On the other hand, in the Companies Act, there is a requirement to have a registered office of the enterprise (actual, not postal) in the territory of the jurisdiction.</p><p><span style=\"text-decoration: underline;\"><em><strong>Is Singapore offshore in terms of reporting?</strong></em></span></p><p>   A company registered in a classic offshore company is exempted from the need to file annual financial statements. This is a definite plus. First, it allows you to significantly reduce the cost of maintaining the company. Secondly, a high level of confidentiality of cash flows is guaranteed.</p><p>   In Singapore, the same company submits a tax return every year, as well as an audit report. Of course, there are exempt companies that may not audit at an income of up to 10 million SGD. It is possible to change the deadline for filing a tax return, or to submit it to the Tax Authority electronically.</p><p>   Consequently, Singapore should not be equated with the classic offshore and in terms of reporting.</p><p><span style=\"text-decoration: underline;\"><em><strong>Is Singapore an offshore in terms of publicity of the Registries?</strong></em></span></p><p>   In classic offshore registers of shareholders and directors are not public. This allows you to maintain confidentiality, control over funds and use this advantage of countries in international tax planning.</p><p>   In Singapore, the Registers of directors and shareholders are public. In addition, other Registers are maintained, which are provided to the authorized bodies only upon request, and to third parties are not available (hence, not public):</p><ul><li>Register of beneficiaries.</li><li>Register of nominee directors.</li></ul><p>   On this point, Singapore attributed to offshore will not work.</p><p><span style=\"text-decoration: underline;\"><em><strong>Is Singapore an offshore in terms of compulsory capital payment?</strong></em></span></p><p>   In a classic offshore you can register a company without compulsory payment of the authorized capital. In other words, the process of establishing an enterprise is simplified and shortened.</p><p>   In Singapore, the same amount of paid-up authorized capital is purely symbolic - only 1 Singapore dollar. It can be increased at any time after registration. It is also worth noting that the establishment of the company in the jurisdiction takes 1-3 days due to a well-developed e-government system.</p><p>   So, Singapore in this case, as close as possible to the classic offshore.</p><p><span style=\"text-decoration: underline;\"><em><strong>Is Singapore an offshore company in terms of the ease of closing the company?</strong></em></span></p><p>   Offshore company, registered in a classic offshore, is very easy to close. This is a definite plus.</p><p>   In Singapore, there are two options for the liquidation of a legal entity:</p><ul><li>Exclusion from the Companies Register (the procedure is 5-6 months).</li><li>Liquidation (takes approximately 1 year).</li></ul><p>   By the time of liquidation of the company, Singapore does not belong to offshore companies.</p><p> </p><p>Resume: Singapore should be attributed to the non-classical offshore but midshore. Here, a favorable tax system that allows you to reduce the tax burden to almost zero, the symbolic size of the authorized capital and the shortest terms of establishment of the company. Together with other advantages of jurisdiction Singapore can safely be called an ideal midshore country for the establishment of a foreign company.</p><p></p><p style=\"text-align: center;\"><em>If you have any questions, <strong>Castle Family Office</strong> specialists are ready to answer them! Write to us at <strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong> </em></p>','posts/offshore.jpg','is-singapore-offshore',NULL,NULL,'PUBLISHED',0,'2018-05-24 13:00:00','2021-11-25 16:56:36',113),(38,1,2,'Midshore Singapore strives to be the world\'s leading capital management center',NULL,'The rules and manner of the financial system of the world will soon undergo huge changes. Many technological innovations in the financial services sector are not taken seriously because of a lack of proper knowledge. Blockchain is a good example. It demonstrates great potential in resolving business transactions without using financial intermediaries.','<p>  The rules and manner of the financial system of the world will soon undergo huge changes. Many technological innovations in the financial services sector are not taken seriously because of a lack of proper knowledge. Blockchain is a good example. It demonstrates great potential in resolving business transactions without using financial intermediaries.</p><p>  For these reasons, the ITM (Financial Sector Transformation Chart) will be crucial to guide the development of the financial sector and ensure Singapore\'s competitiveness, and also to achieve the country\'s main goal - to become the world\'s leading capital management center.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Singapore financial sector is waiting for a number of changes</strong></em></span></p><p>  MAS (Monetary Authority of Singapore) <span style=\"font-size: 1.17em;\">has set itself three goals, the achievement of which will help transform the financial services sector, namely, become the Leading International Capital Management Center. In particular, MAS is working to consolidate the status of Singapore, as a center of excellence in technology management and innovation.</span></p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Become the World Monetary center and the center of the Asian liquidity<br /></strong></em></span></p><p>  At the moment, Singapore is the third largest currency center in the world. To improve its positions, MAS intends to encourage key participants to consolidate their alignment and pricing mechanisms in the country so that they can receive better liquidity and greater efficiency in the performance of foreign exchange transactions.</p><p>  Other objectives of MAS:</p><ul><li>Establishment in Singapore of financing platforms in the private market to attract a wider network of investors.</li><li>Make Singapore the first in Asia in terms of investment in infrastructure.</li><li>Make Singapore the leading center of Asian fixed income.</li><li>Attract world capital for Asian insurance and risk transfer.</li><li>Create utilities, including electronic payments, digital identifiers and electronic checks KYC - Know Your Client.</li></ul><p>  The growth rate of the financial sector is projected at 4.3% per year until 2020. This is above the stated 2-3% growth in the set of national indicator strategies. The financial sector accounts for 13% of Singapore\'s GDP. In this area, approximately 200 thousand people work.</p><p>  According to the September MAS data, the growth in assets under management was 7% in 2016 and reached a mark of 2.7 trillion Singapore dollars.</p><p>  According to the executive director of Oversea-China Banking Corp. Sam Cyena, now is the best time to determine the priorities of the financial sector. However, it is necessary to prepare an infrastructure for providing the sphere with people, technologies and means that are tightly regulated.</p><p>  On October 30, 2017, the Transformation Map (ITM) was published by the E. Kung - the Minister of Education (Higher Education and Skills) and the representative of the Currency Board.</p><p>  Singapore - the first in Asia and the third in the world competitive financial center. However, the country faced competition from new financial centers (Shenzhen and Abu Dhabi) and new technological developments (FinTech and crypto currency), which could lead to a change in traditional banking and financial activities. This will affect the principle of data analysis, transaction processing, portfolio management and client consulting, internal processes and much more.</p><p>  Therefore, Nanyang Technological University conducted a study on what awaits Singapore on its way to realizing global ambitions regarding becoming the main international financial center.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Midshore Singapore on its way to a global financial center</strong></em></span></p><p>  The objectives of ITM:</p><ul><li>Increase productivity.</li><li>Higher growth rates.</li><li>Creation of 4,000 jobs each year until 2020.</li></ul><p>  It is worth noting the worldwide trend to reduce jobs by banks due to the transformation of the region under the influence of new technologies, robotics and artificial intelligence. According to Vikram Pandita, who led Citigroup Inc., about 30 percent of bank workplaces will disappear within the next five years. Singapore is going the other way.</p><p>  In order to strengthen Singapore\'s status as a foreign exchange exchange center and a capital management center, a plan was developed to create new jobs in the financial sector of the economy, as well as a plan to mitigate the effects of rapid technological change. According to the Monetary Authority of Singapore (MAS), these measures are aimed at achieving an increase in the sector\'s growth by 4.3% per year, which will affect the growth of the country\'s economy as a whole.</p><p>  The tasks of ITM Singapore include the desire of MAS to turn Singapore into a leading center:</p><ul><li>money management;</li><li>management of Forex markets;</li><li>fund management;</li><li>domiciliation;</li><li>infrastructure financing;</li><li>Asian insurance.</li></ul><p>  Key growth strategies of the financial sector within the ITM:</p><ul><li>Support for the development of Asia.</li><li>Implementation of training programs.</li></ul><p>  Use of technological achievements. Includes joint creation of common utilities for electronic payments and a digital identifier, equipping financial sector professionals with IT skills and investing in research and development to create new solutions, such as distributed interbank payment systems.</p><p>  With the growing prevalence of FinTech, the Singapore Monetary Authority (MAS), is considering the latest strategy to promote technological development as a key aspect of the ITM.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Advanced training - a guarantee of competitiveness</strong></em></span></p><p>  ITM emphasizes the growing prevalence of technology in financial transactions and services. They can range from non-cash payments to the use of data analytics to ensure a closer relationship between consumers and financial products. Potentially destructive shifts in the ways and processes through which financial services and products are bought and sold will be reflected in such markets, such as capital management, forex and fund management. Consequently, in the medium and long term, these markets will continue to strongly affect the landscape of financial services in Singapore.</p><p>  To cope with these shifts, financial sector professionals need to have the skills and competencies necessary to move to a new level of a financial vector based increasingly on data and mediated. An important element of such efforts is preparation for changes in the nature of jobs in the financial sector.</p><p>  For example, the increasing prevalence of robot-advisory services in the management of capital can lead to obsolescence of asset managers\' services. Using automated software for portfolio management based on algorithms, robotic consultants are able to manage investment portfolios of clients more efficiently and cheaper.</p><p>  This means that asset management companies will give priority to new skills, such as coding and building algorithms in comparison with traditional network skills.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Midshore Singapore pays less attention to lending</strong></em></span></p><p>  ITM pays special attention to such areas as asset management, forex, infrastructure finance and FinTech, and less attention is paid to lending. There are several possible reasons for this.</p><p>  Singapore - the center for lending. According to the report of Deutsche Bank, published in 2016, the debt burden increased from less than 240 percent of GDP in 2009 to 265 percent in 2015. This is largely due to the high level of lending to the private sector of Singapore, for which there are restrictions on higher growth.</p><p>  The growing role of FinTech and technological endeavors in the provision of financial loans and capitals indicates that the source and nature of lending operations can shift from traditional banks and lenders to new technology firms and start-ups.</p><p>  In the markets of developed countries, such as the US, there are new peer-to-peer credit and crowdsourcing portals. Therefore ITM provides for a more technologically advanced financial services sector that favors subsectors that can use new technologies to expand their business models. These include capital management, forex and FinTech, where robo-advisors, algorithms and online trading platforms enable firms to provide financial services through operational and automated platforms.</p><p>  The future of the Singapore financial services sector and the nature of the subsectors that it includes will therefore be driven by technological advances. This means that FinTech will increasingly dominate the financial sector of the future and choose sub-sectors or firms that are able to adapt FinTech to their existing businesses.</p><p>  In Singapore, the population is intelligent and has a good command of English. The country has a strong rule of law and anti-corruption culture. Therefore, the government strengthens financial consulting as a core competence in an area where jurisdiction has a natural advantage.</p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Transformation of the economy of Singapore</strong></em></span></p><p>  While ITM financial services have provided a clear policy direction for the financial sector, its impact can go far beyond financial services. Indeed, if the sectors are interdependent, it is not surprising that the government takes a central strategic approach in the planning and implementation of ITM in all sectors.</p><p>  For example, ITM for retailing emphasizes the expansion of e-commerce and the provision of electronic channels for retailers to expand their markets locally and internationally. Similarly, ITM for wholesale plans to build trade links through digital markets and platforms.</p><p>  To implement these strategies, an efficient and reliable infrastructure for online payments and transactions should be created, as well as necessary skills and opportunities to operate and regulate this infrastructure, plus, platforms are needed that will make up this infrastructure.</p><p>  In other words, the strategies reflected in the ITM financial services will facilitate and complement the digitization strategies in other ITMs.</p><p>  This demonstrates the key role of Singapore\'s financial infrastructure in supporting payment platforms used by retailers and wholesalers, such as NETS, credit card payments and others.</p><p>  Therefore, it is necessary to understand the recently released ITM financial services in this broader context and to assess the relationship between the different ITMs and the way to support and strengthen each other in the current economic transformations of Singapore.</p><p></p><p style=\"text-align: center;\"><em>If you have any questions, <strong>Castle Family Office</strong> specialists are ready to answer them! Please, write to us at <strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong> </em></p>','posts/singapur.jpg','singapore-leading-cmc-in-the-world',NULL,NULL,'PUBLISHED',0,'2018-05-24 15:13:00','2021-11-25 17:00:04',136),(39,1,2,'OECD recognized the preferential tax regimes of Latvia, Luxembourg, Singapore and Slovakia as meeting the requirements of the BEPS',NULL,'One of the latest decisions of the OECD is based on the study of 11 preferential tax regimes and their compliance with the BEPS rules. The tax policy of such countries as Latvia, Luxembourg, Slovakia and Singapore was determined not to be dangerous and corresponding to the standards of Forum on Harmful Tax Practices.','<p>  One of the latest decisions of the OECD is based on the study of 11 preferential tax regimes and their compliance with the BEPS rules. The tax policy of such countries as Latvia, Luxembourg, Slovakia and Singapore was determined not to be dangerous and corresponding to the standards of <span>Forum on Harmful Tax Practices</span>.</p><p>  Many mass media and public organizations often cover issues of international taxation, although the question itself is more technical and political in nature. In this regard, governments of different countries are trying to apply effective measures to combat manifestations of tax evasion and seek to ensure equal and fair conditions for all taxpayers.</p><p>  The BEPS program is a single set of international tax rules. This program was developed by the OECD, \"G20\" and is aimed at protecting the tax base, while the BEPS standards offer taxpayers certainty and predictability.</p><p>  To fulfill the BEPS standards, the G20 countries and OECD have identified 15 stages, all of which are aimed at counteracting the erosion of the tax base and the removal of profits from taxation. Each of the 15 stages is a separate taxation issue, for which specific ways and methods are proposed. Also, the BEPS rules provide for ways to implement reforms in national laws and international treaties.</p><p>  This OECD decision is based on the latest reviews and updated audit results regarding the implementation of the 5th phase of the BEPS project. This fifth stage is one of the four basic minimum standards required to meet the requirements of the BEPS. At the same time, OECD experts conduct a detailed peer review of each of the four minimum standards to ensure their timely incorporation into domestic legislation and the creation of an equal tax environment at the international level.</p><p>  There are also other minimum standards requirements that oblige international companies to pay the appropriate tax. Thus, all BEPS member states undertake to fulfill the established requirements and regularly conduct expert evaluations.</p><p>  In turn, the 5th stage is divided into two sections. On the first section, an expert evaluation is conducted to identify preferential signs of tax preferences, which can lead to a weakening of the taxable base and profits. The second section analyzes the level of \"transparency\" of jurisdiction, which should provide for the automatic exchange of tax information.</p><p>  <span>Forum on Harmful Tax Practices</span> (FHTP), which evaluated eleven jurisdictions in addition to the above countries, also noted countries such as Malaysia, Uruguay, Chile and Turkey. The tax systems of these four states were also excluded from the list of countries conducting aggressive tax planning, since they introduced the necessary international rules into their legislation.</p><p>  Including tax regimes assessing of the two free tax zones of Vietnam and the tax regime of Kenya. Studies in these countries have shown that these tax regimes do not apply to offshore zones or are not related to business taxation. As a result, it was concluded that these zones don\'t represent financial risks and do not fall under the requirements of the 5th phase of the BEPS project.</p><p>  One of the main transparency indicators is the availability of specific rules for taxpayers on the provision of detailed personal data. Jurisdiction can be associated as a country with an aggressive tax regime in the absence of conditions for automatic exchange in accordance with the requirements of BEPS. Therefore, this would mean that the jurisdiction conducts an unfair tax policy in relation to other countries.</p><p>  The purpose of the BEPS project is to ensure that states comply with unified tax standards and coordinate their actions internationally. Such concerted actions include the following functions:</p><ul><li>  <em> Sharing a wider range of data on the availability of bank accounts and other assets held offshore.</em></li><li><em>   Automatic e-currency exchange of tax information in case of investigations of specific offenses.</em></li></ul><p>  If in 2017 FHTP examined about 120 tax regimes, this number is approaching 175 regimes, which operate in more than 50 states. Of this total, 31 the tax regime was changed in a positive way, 81 the regime is in the legislative reform stage, 4 tax regimes are classified as aggressive or potentially aggressive and 12 are under consideration. Only 47 tax regimes comply with BEPS requirements.</p><p style=\"text-align: center;\"><em><em>If you have any questions, <strong>Castle Family Office</strong> specialists are ready to answer them! Please, write to us at</em> <strong><em><span face=\"Calibri\" size=\"3\"><span lang=\"EN-US\"><span face=\"Calibri\" size=\"3\"><a href=\"mailto:info@castle-familyoffice.sg\">info@castle-familyoffice.sg</a></span></span></span></em></strong> </em></p>','posts/OECD.jpg','preferential-tax-regimes-of-latvia-luxembourg-singapore-slovakia',NULL,NULL,'PUBLISHED',0,'2018-05-24 17:05:37','2021-11-25 16:56:34',104),(40,1,2,'Singapore Ranks As World\'s No. 1 City in Asia... by number of millionaires',NULL,'Singapore has recently overtaken Hong Kong in the ranking of Asian cities with the largest number of \"high net worth individuals\" (HNWIs) - high-income individuals, officially regaining the status of a regional center for millionaires.','<p>  Singapore has recently overtaken Hong Kong in the ranking of Asian cities with the largest number of \"high net worth individuals\" (HNWIs) - high-income individuals, officially regaining the status of a regional center for millionaires. According to the World Wealth Report, which was conducted by Capgemini and RBC Wealth Management, in Singapore, there were about 91,200 high-income individuals registered in Hong Kong compared to Hong Kong, which boasts 83,600 rich. These differences were observed in 2010, before Hong Kong jumped its rival Singapore last year. The report defines HNWI as individuals with more than 1 million US dollars in investment assets.</p><p>  Singapore and Hong Kong have been rivals over the past few decades in their quest to be the best place to do business in Asia. Although Hong Kong has traditionally been an Asian center that, like the sun rose more than a century ago, is forced to resist Singapore, which is rapidly implementing a friendly business policy that helps attract foreign investors wishing to establish their presence in Asia. Currently, both jurisdictions are considered internationally as financial and legal centers and the site of the busiest airports and ports in the world.</p><p>  Singapore and Hong Kong also placed great emphasis on the availability of a free flow of capital and a widely open economy, and one way to measure the success of this model is the number of rich people living in these two cities. Due to the presence of a large number of high-income individuals in comparison with other cities in Asia, Singapore is a \"purse-city\", \"stuffed\" with millionaires - one of the richest cities in the world.</p><p>  How does Singapore, with its small area and not having sufficient natural resources, managed to create so much wealth within its borders? Most of the success is due to the government\'s business policy, which has made everything - from the taxation infrastructure better than other global partners. The formation of assets is all about creating wealth and preserving this wealth, and Singapore has done an excellent job in both directions.</p><p>   </p><p><span style=\"text-decoration: underline;\"><em><strong>\"Why is Singapore great for \"technical start-ups\"<em><strong>?</strong></em></strong></em></span></p><p>  With a high density of wealthy people, Singapore is also a great place to establish contacts and seek like-minded people ready to invest in new business ideas. The physical location of the city itself is very beneficial, as it is located within hours of the largest emerging markets in Asia.</p><p>  Singapore is also a great place to maintain and grow your wealth. In Singapore, corporate tax rates are among the lowest in the world. Tax rates in Singapore are also very attractive compared to other major business centers. Rich people can find peace of mind, as their assets and business are safe because of low crime and decades of political stability.</p><p> </p><p>The possibility of creating wealth in Singapore is attractive to all who invest in the economy of the city-state. Eduardo Saverin - one of the founders of Facebook refused from US citizenship, replacing it with the citizenship of Singapore. The investor - millionaire Jim Rogers too can name Singapore as the new house.</p>','posts/11.jpg','singapore-is-the-number-one',NULL,NULL,'PUBLISHED',0,'2018-05-25 03:00:00','2021-11-25 16:56:34',96),(41,1,2,'Millionaires of Singapore prefer to invest in real estate',NULL,'The term \"High Net Worth Individual or HNWI\" is used to refer to persons with high personal capital in the financial services industry. Liquid assets are accounted for as net worth, as a rule. In Singapore, there is a clear definition of the term, and it is specified in the Release Guide for specialized units serving high net worth under Section 100 (2) of the Law on Financial Advisers (Guidelines on Exemption for Specialized Units Serving High Net Worth Individuals Under Section 100 (2) of the Financial Advisers Act).','<p>  The term \"High Net Worth Individual or HNWI\" is used to refer to persons with high personal capital in the financial services industry. Liquid assets are accounted for as net worth, as a rule. In Singapore, there is a clear definition of the term, and it is specified in the Release Guide for specialized units serving high net worth under Section 100 (2) of the Law on Financial Advisers (Guidelines on Exemption for Specialized Units Serving High Net Worth Individuals Under Section 100 (2) of the Financial Advisers Act).</p><p>   <em>A person with a high net worth (High Net) is an individual:</em></p><p><em></em></p><p>1) who has assets at least 1 million Singapore dollars or equivalent value in foreign currency. Assets can be represented by one or more of the following forms:</p><ul><li>  bank deposits, including structured deposits;</li><li>  securities;</li><li>  insurance policies;</li><li>  other investment products;</li></ul><p>2) the amount of net personal assets of which exceeds 2 million Singapore dollars or the equivalent amount in foreign currency;</p><p>3) whose annual income is not less than 300,000 Singapore dollars or the equivalent amount in foreign currency, OR</p><p>4) which, according to the assessor\'s assessment, has the potential to become the person described in paragraph A for two years.</p><p> </p><p> <em> Classification of HNWI:</em></p><ul><li>High Net Worth Individual is a person with liquid financial assets in the amount of 1 to 5 million Singapore dollars.</li><li>Sub-HNWI is an investor whose assets are less than 1 million Singapore dollars, but more than 100,000 Singapore dollars.</li><li>Very HNWI is a rich man whose assets exceed 5 million Singapore dollars.</li><li>Ultra HNWI - a person with assets of more than 50 million Singapore dollars.</li></ul><p>  According to a 2015 study \"The Weight of Money: How Private Investments Will Change the World of Real Estate\", HNWI prefers to invest in real estate. During the collection of information, it was found that 53% of bankers and asset managers expect an increase in the allocation of direct investment in real estate in the next five years, and 38% are confident of maintaining current allocation levels and only 9% expect a decline in direct investment in real estate.</p><p>  The most popular form of investment, according to the study, is, still, residential real estate. What are the expectations of asset managers in the next five years:</p><p>       -    72% expect an increase in investment in residential assets;</p><p>       -    56% expect to maintain current levels of investment;</p><p>       -    22% expect their clients to sell their residential assets.</p><p>  On the second most popular among HNWI in the world are land. 60% of managers expect the increase of allocations in the next 5 years, and 36% are confident in maintaining the current level of investment of funds. Other types of real estate are no less popular among wealthy investors. 44% of managers reported that their clients intend to purchase commercial real estate in the next five years.</p><p> </p><p>  We dealt with the trends and expectations of investing HNWI of their funds in the world. Let\'s move on to <strong>Singapore</strong>.</p><p>  So, the number of wealthy individuals in Singapore rose to 105,000 in 2013, and the total amount of their assets totaled 523 billion US dollars. Based on information from the Asia-Pacific Wealth Report 2014, HNWI and the percentage of their growth is below the average for the region due to the contested stock markets. 39.3% of the population in Singapore (at the end of 2013) is HNWI, at the beginning of 2013 this figure was 31%. The growth of rich people was 18.7%. According to MarketsandMarkets, at the beginning of 2015, the number of millionaires in the world increased to 17.1%, in the Asia-Pacific region to 25.8%, in Singapore to 35.6%. The share of citizens - millionaires grew in the world to 18.9%, in the Asia-Pacific region to 30%, in Singapore to 35.6%.</p><p>  People with high personal capital prefer to invest in Singapore in such a sector of the economy as real estate (22.8%). In the second place, shares and alternative investments (by 14.4%), on the third - securities with fixed income (12.5%). 19.8% of alternative investments are structured products. In total, by the end of 2013, 27.1% of the investor portfolio was spent on investments, compared to the data at the beginning of 2013 - from 22.6%.</p><p>  The level of trust of Singapore millionaires to leaders and wealth markets has increased slightly - from 66% at the beginning of 2013 to 72% at the end of the year, the confidence in firms and regulators has decreased from 73% at the beginning of the year to 68% at the end of the year.</p><p>  It is worth noting that 7% of Singapore\'s HNWI are confident in the ability to increase their portfolios in the near future.</p><p>  Rich people are the source of income for asset managers, as the more assets, the more management companies work to maintain and maintain them, as well as multiplying. The asset management industry is segmented into 3 parts by wealth level: wealthy citizens, citizens with high personal capital and ultra HNWI. The segment of wealthy citizens is the largest in all countries of the world. The share of citizens with high personal capital is much smaller, but these individuals have large assets. Thus, millionaires are always interesting for banks and financial institutions. The growing number of wealthy and proportion of the population of millionaires in Singapore provides huge opportunities for companies managing capital, allowing them to increase their income and customer base. Therefore, the registration of a company in Singapore, specializing in investment management, real estate planning, tax planning and so on is so popular. However, statistics show that millionaires change their managers assets because of their inability to understand the needs of their customers. So what do Singaporeans want with high personal capital?</p><p> Private personal meetings.</p><p> High level of product knowledge.</p><p> Openness to new ideas.</p><p> Understanding their needs and risks associated with a particular investment product.</p>','posts/buildings_wormview_31-min.jpg','singapore-prefer-to-invest-in-real-estate',NULL,NULL,'PUBLISHED',0,'2018-05-25 04:00:00','2021-11-25 16:56:31',115),(42,1,2,'Singapore Corporate Taxation Guide',NULL,'Economists often point to Singapore as the leading example of a country that continues to reduce corporate tax rates and introduces various tax breaks to attract and retain global investment. There is a single-level territorial system of taxation with a uniform corporate income tax rate in Singapore. Effective tax rates as one of the lowest in the world and a friendly attitude towards business in Singapore are the two most important factors that contribute to economic growth and the inflow of foreign investment into the city-state of Singapore.','<p>  Economists often point to Singapore as the leading example of a country that continues to reduce corporate tax rates and introduces various tax breaks to attract and retain global investment. There is a single-level territorial system of taxation with a uniform corporate income tax rate in Singapore. Effective tax rates as one of the lowest in the world and a friendly attitude towards business in Singapore are the two most important factors that contribute to economic growth and the inflow of foreign investment into the city-state of Singapore.</p><p><span><em><strong>One-tier system of taxation</strong></em></span></p><p>  Since January 1, 2003, Singapore has adopted a single-level tax system for corporate income tax, which means that there is no double taxation in Singapore for stakeholders. The tax paid by the Singapore company with its taxable income is the final tax, and all dividends paid by the Singapore company to its shareholders are exempt from further taxation.</p><p>  In Singapore there is no capital gains tax. For example, in many other developed countries, the capital gains tax is levied on the income from the sale of fixed assets, the profit from foreign currencies resulting from the manipulation of your own capital. In Singapore, there are no such taxes.</p><p>  Corporate income tax rates in Singapore and general principles of exemption from the need to pay taxes in Singapore for Singapore companies.</p><p> </p><p><span><em><strong>The Highest Corporate Tax Rate</strong></em></span></p><p> The main corporate tax rate in Singapore is a flat tax rate of 17%. To make Singapore attractive for investment, income tax rates in Singapore have gradually declined. We can hope that the main corporate tax rate in Singapore will eventually go down even lower. The trend in the above plate allows us to hope for it. But the main rate of corporate income tax in Singapore (as in many other countries) does not necessarily reflect the actual indication of the corporate income tax applicable for your Singapore company. The current tax rate on corporate profits is usually lower due to various tax exemptions, tax benefits.</p><p> </p><p><strong><span><em>Basic Tax Benefits</em></span></strong></p><p>  Below I will list all the main tax benefits and opportunities to get rid of taxes altogether, which are currently available in Singapore for Singapore resident companies. Once these benefits and exemptions are applied to the taxable income of Singapore resident companies, the effective rate of corporate income tax for small and medium-sized companies in Singapore will be significantly reduced.</p><p>  A corporate income tax of 0% is available for the first 100,000 SGD of taxable corporate profits during each of the first three years for new Singapore companies that meet the following standards:</p><ul><li>Registered in Singapore</li><li>Are tax residents of Singapore</li><li>They have no more than 20 shareholders, of which at least one shareholder (an individual) holds at least 10% of the shares.</li></ul><p>  8.5% tax on taxable income up to 300,000 SGD.</p><p>  All Singapore resident companies are entitled to a partial exemption from tax, which in fact becomes a 8.5% tax on the taxable tax to 300,000 SGD. Taxable corporate income of over 300,000 SGD will be taxed at an ordinary corporate rate of 17%.</p><p> </p><p><span><em><strong>Deadlines for filing income tax reports</strong></em></span></p><p>  Since 2009, the deadline for submission of reports in Singapore is November 30.</p><p>  The Singapore company must file a full package of reports: Form C (tax declaration), audited / unlisted accounts, and tax calculation. Calculation of taxes is the confirmation of the income and expenses of the company according to the accounts from which the taxable income is deduced.</p><p> </p><p><span><em><strong>Basic corporate income tax period</strong></em></span></p><p>  In Singapore, corporate income is estimated based on the previous year. This means that the main period for any evaluation year (YA) actually refers to the end of the fiscal year (FYE) for the year that preceded the year of the valuation (YA). The company\'s accounting and reports will be prepared at the end of your company\'s fiscal year on an annual basis.</p><p> </p><p><span><em><strong>Exemption from corporate tax audit</strong></em></span></p><p>  In order to reduce the burden on small businesses in Singapore, private companies with an annual income of less than 5,000,000 SGD, may not conduct an audit. Remember that private Singapore companies should not have corporate shareholders, and shareholders of individuals should be less than twenty.</p><p>  Also, \"sleeping companies\" that have not had any transactions for an annual period are exempt from audit reports and can file reports without an audit. If the fiscal year is less than one year, the amount of 5,000,000 SGD must be recalculated according to the calendar period. Some service providers call them - Exempt Private Company (EPC).</p><p>  In the Singapore Companies Act, private Singapore companies are defined in Section 4 (1) (Section 4 (1)), as a company in which only individuals can be shareholders and they must be less than 20 people. It is important to understand that all Singapore companies (whether they are exempt from audit or not) must file a C form, a tax calculation and an accounting report (with or without an audit).</p><p> </p><p><span><em><strong>Tax deductible (withheld)</strong></em></span></p><p>  Singapore introduced a law on the withholding tax (on some types of income) to ensure the collection of a tax that must be paid by non-residents of Singapore to income generated in Singapore. Withholding tax does not apply to resident companies or individuals. Under the law, when a certain payment is made in relation to a non-resident company or individual, the payment percentage must be withheld and paid by the tax. The deductible amount is called the withholding tax.</p><p> </p><p><span><em><strong>Tax residency of Singapore companies</strong></em></span></p><p>  The company is considered a resident of Singapore, if the control and management of business are performed from Singapore. Although the term \"control and management\" is not clearly defined by the Singapore authorities, but in practice the opinion is used that \"control and management\" refers to the development of a general policy of the company\'s actions and decision-making at the level of the board of directors rather than the daily everyday adoption of small administrative decisions and operations.</p><p>  Generally speaking, a Singapore company is considered non-resident if the directors control and manage the business, and also hold meetings of the board of directors outside Singapore. And the non-residence of the Singapore company remains in force, even if operations of the lowest level are conducted in Singapore! By the way, the residence of Singaporean companies from year to year can vary, depending on the circumstances. Branches of foreign companies in Singapore are most often considered non-resident companies, as control and management is conducted directly from the foreign parent company - the holding company.</p><p>  Taxation for resident and non-resident companies in Singapore is the same, with the exception of certain benefits that are available only to resident companies in Singapore:</p><p>1. The Singapore resident company has access to a corporate income tax exemption scheme that is available for new companies registered in Singapore</p><p>2. The Singapore resident company is exempt from tax on dividends received from a foreign source, income from foreign affiliates and on income from payment for services rendered abroad Singapore, pursuant to paragraph 13 (8) Income Tax Act.</p><p>3. Singapore resident companies can enjoy the bonuses of international treaties on avoidance of double taxation.</p><p> </p><p><strong><em><span>The double taxation treaties signed by Singapore</span></em></strong></p><p>  The agreement on avoidance of double taxation signed by the two countries is usually an agreement that determines how the earned income will be taxed by the authorities of each country if the company is a resident of one of the countries earning income in both. The main benefit of double tax treaties and their main purpose is to help companies and businesses in their country get rid of double taxation of income.</p><p>  At the moment, Singapore has concluded agreements on avoidance of double taxation with more than 70 countries and this list continues to grow. The list of double tax treaties signed by Singapore reflects Singapore\'s continued efforts to ease the burden of double taxation for its businessmen and the sincere interest of the state in stimulating international trade and the flow of foreign investment.</p><p>  Since 2008, Singapore has made a huge step forward and provides Singaporean companies with unilateral tax incentives. According to the new policy, all Singapore companies that have earned income in countries that do not have double taxation agreements with Singapore will be allowed to receive a tax credit from their tax from a foreign source received from such countries. I would like to discuss the issue of double taxation agreements signed by Singapore in a separate article, which I will soon write. Under the Singapore treaties on avoidance of double taxation, you can write a whole guide, how reasonably they are compiled. You can get some idea of the tremendous benefits that such contracts give, on the example of Singapore and Kazakhstan.</p><p>  </p><p><span><em><strong>Actual net income as opposed to taxable income in Singapore</strong></em></span></p><p>  According to the tax laws of Singapore - the corporate income tax is supposed to be paid in two cases:</p><p>A) If the income is received in Singapore or is of Singaporean origin;</p><p>B) Received in Singapore from abroad. On this point, there are many exceptions, which completely free from the need to pay tax on corporate profits received from a foreign source. I will dedicate a separate article to the taxation of income received from a foreign source in Singapore.</p><p>  The company\'s revenues and expenses by themselves do not provide a complete picture for the calculation of taxable income. For example, some of your company\'s expenses may not be deductible for tax purposes, or some income from the proceeds may not be taxed at all, or may be taxed separately, as non-commercial income.</p><p>  Certain income of Singapore companies can be exempted from tax due to certain points of tax law - the Singapore Income Tax Act.</p><p>  In general, companies in Singapore can deduct expenses from revenues for tax purposes. Expenses must be deducted from the next year, when a legitimate profit appears. However, expenses can be used for tax purposes only if there have been no significant changes in the composition of shareholders.</p>','posts/singaporetax.jpg','singapore-tax',NULL,NULL,'PUBLISHED',0,'2018-05-25 07:00:00','2021-11-25 16:59:59',136),(43,1,2,'Midshore Singapore is the leader in the World Digital Competitiveness Ranking of 2017',NULL,'In the World Digital Competitiveness Ranking of IMD, where Singapore has been in the first line for several years. The report is based on 50 ranked criteria: 30 hard and 20 survey data. In addition to the overall Rating, IMD presented in its report additional digital ratings for visualizing the situation in the digital world. So, the countries were divided by the population (above and below 20 million), by GDP per capita (above and below 20 thousand US dollars), and by geographic areas.','<p>In the World Digital Competitiveness Ranking of IMD, where Singapore has been in the first line for several years. The report is based on 50 ranked criteria: 30 hard and 20 survey data. In addition to the overall Rating, IMD presented in its report additional digital ratings for visualizing the situation in the digital world. So, the countries were divided by the population (above and below 20 million), by GDP per capita (above and below 20 thousand US dollars), and by geographic areas.</p><p>  Global ratings for each of the coefficients of digital competitiveness allow us to analyze the countries by 3 factors: the factor of knowledge, the technological factor and the factor of future readiness.</p><p><span style=\"text-decoration: underline;\"><em><strong>Offshore Singapore showed stability in the Knowledge Factor Coefficient Index</strong></em></span></p><p>  The knowledge factor is fundamental in the conditions of technological transformations. Why? The availability of knowledge facilitates the assimilation and use of new technologies, the availability of appropriate talents and strategies for developing the country\'s talents are a crucial component of digital transformation. The presence of innovative experience favorably affects the adaptation of innovative ideas.</p><p>  Why is Singapore the leader in terms of knowledge? The government of the country understands that the limitations of initial investments can lead to imperfect digital adaptation, and a proper amount of knowledge is needed to form an environment of ideas, from which innovative solutions are formed. Therefore, the government invests in research and scientific products.</p><p>  The Knowledge Factor includes three sub-factors:</p><ul><li>talent,</li><li>investment in training,</li><li>education and scientific concentration.</li></ul><p>  Talent is a set of skills and opportunities available in a particular economy. The strength and level of talent development are interlinked with the priority allocated to training and the formation of labor. Scientific concentration allocates investment and production of knowledge necessary for the digital transformation of the economy.</p><p><em><span style=\"text-decoration: underline;\"><strong>Offshore Singapore has shown stability also in the Technological Factor Coefficient Rankings</strong></span></em></p><p>  The technological factor can influence the successful adaptation of innovative ideas. It\'s no secret that organizations of the country must support innovation and be ready for innovations in their field of activity in order to transform the economy. However, new technologies can not arise without the presence of a sponsor investing in their development and implementation. Innovative strategies and processes, product development, identification and introduction to new markets - all this is necessary for a successful transformation of the economy.</p><p>  The technological factor assesses the overall context through which digital technology is developed. This factor includes a number of subfactors:</p><ul><li>Normative support that allows you to effectively carry out business activities and ensure compliance with relevant rules, encouraging business development and innovation.</li><li>Capital, which assesses the availability and ongoing investments in technology development. It also examines the level of investment risk in a particular economy.</li><li>The technological structure that assesses the current physical technological infrastructure in the country, as well as its quality. In addition, this structure takes into account high-tech production.</li></ul><p><span style=\"text-decoration: underline;\"><em><strong>In the Factors Index of future preparedness factor, Singapore fell by 2 positions</strong></em></span></p><p>  The factor of future readiness for change influences the successful adaptation of innovative ideas. Readiness for digital transformations is emphasized by the organizational inclination to introduce new technologies and related processes. Uncertainty in the business context, caused by the advent of new technologies, encourages enterprises to become \"flexible\" in order to maintain a competitive advantage. Simply put, the willingness is interconnected with the flexibility of the organization. In this context, flexibility refers not only to the speed at which organizations seek change, but also to the effective use of available resources to make an adequate response to change and maximize the benefits of new opportunities. Knowledge management leads to increased awareness that changes are needed to resist transformation. In addition, knowledge sharing plays an important role in the ability of organizations to identify the appropriate response to technological innovation. These answers lead to better practices (for example, to a better flow of information), which in turn facilitates the introduction and diffusion of new technologies.</p><p>  The factor of future readiness analyzes the level of readiness of the economy to its digital transformation. In this sense, it includes three sub-factors:</p><ul><li>Adaptive relations. Competitiveness requires that accessible digital technologies be \"absorbed\" by society. Absorption of digital technologies requires certain adaptive settings, including the willingness of society to participate in processes related to digital communication, for example, to participate in online shopping.</li><li>Business flexibility. Readiness also requires the flexibility of the business in terms of adopting new technologies. In this sense, Business Agility implies that firms in a particular economy can transform their business models in order to use new opportunities. This also applies to the level of innovation that comes from the private sector.</li><li>IT integration. Readiness needs IT integration, which assesses how well IT practices and processes are applied by all participants.</li></ul><p> </p><p>  On the history of the ratings from 2013 to 2017, Singapore took only the first place. According to the rating of 2017:</p><p>on the sub-factor \"Normative support\" - 1 place:</p><p>Start of business - 4 place.</p><p>Enforcement of contracts - 2 place.</p><p>Immigration legislation - 42 place.</p><p>Technological regulation - 1 place.</p><p>Scientific and research legislation - 3 place.</p><p>Intellectual property rights - 8th place.</p><p>on the subfactor \"Technological structure\" - 1 place:</p><p>Communication technologies - 11th place.</p><p>Subscribers of broadband mobile access - 2 place.</p><p>The subscribers of wireless access - 1 place.</p><p>Users of the Internet - 1 place.</p><p>The speed of Internet traffic - 8 place.</p><p>High-tech exports (%) - 2 place.</p><p>on the sub-factor \"Capital\" - 14 place:</p><p>Market capitalization IT &amp; Media - 21 place.</p><p>Financing of technological development - 2 place.</p><p>Banking and financial services - 3 place.</p><p>Investment risk - 3 place.</p><p>Venture capital - 5 place.</p><p>Investments in telecommunications - 59 place.</p>','posts/Singapore00.jpg','world-digital-competitiveness-ranking',NULL,NULL,'PUBLISHED',0,'2018-05-28 02:30:00','2021-11-25 16:56:29',82),(44,1,2,'One last thing and Switzerland finally farewell with bank secrecy',NULL,'The Government of Switzerland on January 17, 2018 reported on public consultations, according to the recommendations of the OECD regarding the re-registration of corporate \"bearer shares\" for registered shares. Thus, the Swiss banking secrecy is almost over and theanonymity of the beneficiaries will finally \"lost to history\"','<p><span id=\"result_box\" lang=\"en\"><span>The Government of Switzerland on January 17, 2018 reported on public consultations, according to the recommendations of the OECD regarding the re-registration of corporate \"bearer shares\" for registered shares</span></span>. <span>Thus, the Swiss banking secrecy is almost over and the anonymity of the beneficiaries will finally \"lost to history\".</span></p><p><span style=\"text-decoration: underline;\"><em><strong>Swiss banking secrecy is a relative term</strong></em></span></p><p><span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">If earlier \"bearer shares\" due to anonymity to the owner were used by private companies in order to hide the real share of beneficiaries in the company, according to the new law this possibility is excluded and they will not be able to evade paying taxes.</span></span></p><p>  <span>Switzerland has long been considered a \"retreat of the wealthy\" who want to safely keep their assets and hide them from prying eyes, guided by the famous law on bank secrecy.</span> <span>But times have changed, and after many claims from the EU regarding the granting of anonymity, Switzerland agreed to exchange information about its clients\' accounts with the tax authorities of foreign countries.</span></p><p>  <span>When Switzerland collided with the claims of the United States in terms of compliance with the requirements of the FATF, the destruction of <span>Swiss banking secrecy</span> foundations began.</span> <span>For the fact that many Swiss banks didn\'t provide timely information on the available accounts of Americans, they came under US lawsuits and were forced to pay fabulous fines.</span> <span>Several banks as a result left the US financial market, while others didn\'t want to lose the opportunity to provide services in US dollars, so they fulfill the requirements, but cease to serve US citizens.</span> <span tabindex=\"-1\">On the other hand, Switzerland is under pressure to comply with the EU\'s \"transparency\", and is forced to comply with all OECD requirements.</span><span> </span><span tabindex=\"-1\">The pressure was so strong that the Swiss government even began to call on the country\'s parliament to abolish bank secrecy.</span></p><p>  <span>Switzerland doesn\'t want to be a pariah in the global financial market and fall under penalty sanctions, and doesn\'t want to be regarded as \"breeding ground for tax evaders\"<span>.</span> <span id=\"result_box\" lang=\"en\"><span>Switzerland doesn\'t want to remain in the \"gray list\" and cooperates with international organizations, raising the level of \"transparency\".</span></span></span></p><p>  <span id=\"result_box\" lang=\"en\"><span>So with OECD Switzerland has been working for several years and is guided by all the recommendations proposed by the Global Forum of OECD.</span> <span>The audit of Swiss jurisdiction by OECD experts in terms of country\'s compliance with international <span>\"transparency\"</span> standards is currently based on two main stages.</span> <span tabindex=\"-1\">The first stage covers the regulatory framework of a specific country, and the second assesses the level of the state\'s ability to automatically exchange tax information.</span></span></p><p>  <span id=\"result_box\" lang=\"en\"><span>Since 2015, Switzerland has moved to the second stage and in 2016 OECD is estimated as a <span>\"largely relevant\"</span> country<span>, according to collegial reports of experts</span><span>.</span></span></span> <span>After signing the Convention with the OECD \"On the provision of international administrative assistance in tax matters,\" from January 1, 2018 Switzerland will exchange tax information.</span> <span>In the second half of 2018, the OECD plans to conduct another study of Switzerland and make a conclusion about its compliance with the <span>\"transparency\"</span> standards.</span></p><p>  <span id=\"result_box\" lang=\"en\"><span>At the same time, the government hasn\'t yet passed a law that allows information to be exchanged unilaterally.</span> <span>At the moment, the <span>tax </span>exchange <span>information</span> will be carried out on the basis of <span>countries</span> requests signatories to the Convention and with those countries with which Switzerland has concluded bilateral agreements.</span></span></p><p> </p><p><span style=\"text-decoration: underline;\"><em><strong>Bearer shares in Switzerland will be registered for a specific person</strong></em></span></p><p>  <span>Among the OECD recommendations was that Switzerland should have appropriate mechanisms to ensure the identification of owners of shares \"bearer\".</span> <span>Also, the country should guarantee the <span>tax</span> exchange  information with other states on the basis of concluded bilateral interstate agreements.</span></p><p>  <span>Since \"bearer shares\" don\'t in themselves define the <span>owners</span> names, the OECD calls on Switzerland to combat tax evasion with persons holding such shares.</span> <span>Although there is no precise calculation of the lost income, OECD experts calculated that due to the use of bearer shares, the tax losses for the last 8 years amounted to about 85 billion US dollars.</span></p><p>  <span id=\"result_box\" lang=\"en\"><span>The new law, which is prepared by the government, obliges the company to keep not only the register of shareholders, but also the beneficiary owners.</span></span> <span>Access to the registry will have law enforcement agencies, as well as financial institutions or intermediaries who need to have confidential data to meet the requirements of due diligence.</span> <span>To those companies that don\'t wish to enter individual beneficiary data, penalties will be applied to the register.</span><span> </span><span>Public discussion of the new Swiss law will continue until the end of April and somewhere near the end of 2018 the law will be submitted to the parliament.</span></p><p>  <span title=\"Если анализировать отношение к акциям на предъявителя в других странах, то можно сказать что, например, Великобритания ещё в 2015 году запретила использование акций «на предъявителя».\">If we analyze the attitude towards bearer shares in other countries, then we can say that. For example, the United Kingdom, in 2015, banned the use of \"bearer shares\". </span><span title=\"Также подобные законы ограничивающие акции «на предъявителя», приняли: Сингапур, США, Бельгия, Гонконг и Австрия.\">Also, similar laws restricting the \"bearer\" shares, have been adopted by: Singapore, the USA, Belgium, Hong Kong and Austria. </span><span title=\"Согласно последним заявлениям Швейцарии, доля использования акций «на предъявителя» значительно сократилась в последние годы.\">According to the latest <span>Switzerland</span> statements, the share of using \"bearer shares\" has significantly decreased in recent years. </span><span title=\"На сегодня доля акций «на предъявителя» в Швейцарии от общего количества корпоративного уставного капитала составляет 12%.\">To date, the <span>shares </span>proportion in the \"bearer\" in Switzerland of <span>corporate authorized capital</span> total number is 12%. </span><span title=\"Для сравнения, в 2014 году этот показатель был 27%.\">For comparison, in 2014 this indicator was 27%.</span></p>','posts/Swiss.jpg','switzerland-bank-secrecy',NULL,NULL,'PUBLISHED',0,'2018-05-28 12:30:00','2021-11-25 16:59:57',121),(45,1,2,'What the future holds for Swiss private banking?',NULL,'Банковский сектор Швейцарии сегодня испытывает не самые легкие времена. Глобальная борьба с налоговыми уклонистами и жесткая конкуренция привели к тому, что количество частных банков стало стремительно уменьшаться. В настоящее время около 70 швейцарских банков фактически находятся на грани выживания. Об этом свидетельствуют данные, приведенные в докладе аудиторской компании KPMG, которая провела оценку деятельности 85 частных швейцарских банков из 114. Крупнейшие банки Швейцарии — UBS и Credit Suisse — не вошли в число исследуемых.','<p><span>Today the <span>Switzerland</span> banking sector is experiencing not the easiest times.</span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> <span>The global fight against tax evasions and fierce competition led to a rapid decline in the number of private banks.</span> <span id=\"result_box\" lang=\"en\"><span>Currently, about 70 Swiss banks are actually on the brink of survival.</span> <span>This is evidenced by the data given in the <span>KPMG</span> report, which evaluated the activities of 85 private Swiss banks out of 114. The largest banks in Switzerland - UBS and Credit Suisse - were not included in the number of surveyed.</span></span></span></p><p><span id=\"result_box\" lang=\"en\"><span>Earlier this year, data were published that the incomes of the Swiss banking sector decreased by 40% since 2015.</span> <span>The total <span>Switzerland</span> banks number decreased from 413 in 1995 to 261 in 2016.</span> <span>Among the main reasons are strong competition (both external and internal), regulation, technological development and general economic uncertainty in the world (including Brexit and US policy).</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span tabindex=\"-1\">Despite this, Switzerland continues to attract new assets.</span> <span>So, in 2016 Swiss banks managed to attract assets worth 83 billion CHF.</span> <span>Nevertheless, large amounts of assets continue to be transferred from Switzerland to the east.</span> <span>And today, many experts have already expressed the opinion that very soon Singapore and Hong Kong can push Switzerland off the pedestal of offshore banking.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><span style=\"text-decoration: underline;\"><em><strong>Swiss banks is becoming less</strong></em></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span>Currently, 16% of the largest Swiss private banks have 80% from total number of assets managed by banks.</span><span> </span><span>In turn, 57% small banks under management are only 6% of assets.</span><span> </span><span>Small private banks in Switzerland survive, as statistics show, every year more difficult.</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span>Over the past six years, there has been an increase in the amount of assets managed by banks, but mainly through consolidation.</span><span> </span><span>At the same time, the total profit and profitability of operating income decreased.</span><span> </span><span>As a result, banks work with losses and gradually leave the market.</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span>In recent years, the <span>private Swiss banks</span> number has been steadily declining.</span> <span>If in 2005 there were 179, in 2017 - only 112. As a reason, experts call the decrease in operating profit and, in many cases, the outflow of client funds.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span>After Switzerland ceded under the <span>United States</span> pressure and other major economic powers, having begun to give little information about the financial accounts of foreign residents in Swiss banks, the number of bank customers began to decline.</span><span> </span><span>More than half of Swiss banks in 2016 experienced an outflow of funds, and the total losses amounted to about 43 billion CHF or 3% of the total number of assets under management.</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span>And according to experts, the negative dynamics will remain.</span><span> </span><span>That is, in the near future the number of private Swiss banks will become even smaller, and it is only a matter of time - how many more will their owners agree to suffer losses.</span><span> </span><span>On the other hand, the remaining banks will be able to strengthen their positions in a situation of less competition.</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><strong><em><span style=\"text-decoration: underline;\">The <span>Swiss banking</span>\'s future</span></em></strong></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span>Of all the banks studied, only 10-15 demonstrated the potential for growth and attracting new customers.</span> <span>Another 20-30 banks could secure their future by concentrating on a separate niche.</span> <span>All the rest, according to experts, in the very near future either will leave the market, or will be consolidated to achieve adequate size.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span>In 2016-2017 the number of consolidations has sharply decreased.</span> <span>Large banks have become less interested in small transactions, in addition - the banks available for sale have become significantly smaller.</span> <span>Therefore, in the future we can expect consolidation mainly only among small and medium market players.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span>KPMG experts believe that in the coming years Swiss private banks will try to ensure their presence in the European market through the <span>local banks</span> absorption.</span><span> </span><span>The task of maintaining its presence in Europe is for private Swiss banks the most important and urgent.</span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span>Those banks that are on the verge of bankruptcy will most likely try to sell their assets as much as possible before liquidation.</span> <span>There is a strong possibility that Asian market players will be interested in absorbing Swiss banks.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\">  <span id=\"result_box\" lang=\"en\"><span>In turn, large international financial groups are already interested in the future of their subsidiaries in Switzerland.</span> <span>KPMG experts offer, as recommendations, a series of reforms that can help Swiss banks survive difficult times.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> <span id=\"result_box\" lang=\"en\"><span>Among the main recommendations is a reorientation to the main markets and customers, a rethinking of the <span>wealthy customers</span> value from Switzerland, as well as investments in digital technologies and automation.</span> <span>An important element for a successful development strategy in today\'s situation in KPMG is the provision of additional private tax advice to <span>Swiss private banks</span> clients.</span></span></span></p><p><span style=\"font-family: Calibri; font-size: medium;\" face=\"Calibri\" size=\"3\"> </span></p><p><span id=\"result_box\" lang=\"en\"><span>Despite today\'s difficulties, the Swiss Bankers Association believe that Swiss banks will stand - but only those that will be sufficiently stable and will be able to adapt to the new conditions.</span> <span>But they will also have to work hard to compete with Asian banks.</span></span></p>','posts/swissbank.jpg','what-the-future-holds-for-swiss-private-banking',NULL,NULL,'PUBLISHED',0,'2018-05-28 15:00:00','2021-11-25 16:56:27',140),(46,1,2,'Asia Airlines',NULL,'Oil prices have corrected more than 8% from its recent high to 66.4. This is after Saudi Arabia raised the possibility of ramping up oil production in the June OPEC meeting. Russia has also expressed the support of increasing oil production.','<p>Oil prices have corrected more than 8% from its recent high to 66.4. This is after Saudi Arabia raised the possibility of ramping up oil production in the June OPEC meeting. Russia has also expressed the support of increasing oil production.</p><p> </p><p class=\"justifyleft\">Key beneficiaries of falling oil prices are the Asia Airlines:</p><p class=\"justifyleft\"><b>1.       </b><b>Air China (753 HK)</b></p><p class=\"justifyleft\"><b>2.       </b><b>China Southern Airlines (1055 HK)</b></p><p class=\"justifyleft\"><b>                                                                                         3.       </b><b>China Eastern Airlines (670 HK)</b></p><p class=\"justifyleft\"><b><b>                                                                                         </b>4.      </b><b>Cathay Pacific Airways (293 HK)</b></p><p class=\"justifyleft\"><b><b>                                                                                         </b>5.       </b><b>Singapore Airlines (SIA SP)</b></p><p class=\"justifyleft\"> </p><p>Chinese airlines are beneficiaries of increasing outbound travel with more than 130m Chinese travelling outside China in 2017. Despite the huge number of Chinese travellers, the outbound penetration in China is only at 10% in 2017. This is expected to rise to over 14% in 2020.</p><p> </p><p>Chinese airlines have over 50% market share in the outbound transport market in China, with the big three airlines in Air China, China Southern and China Eastern expected to be the key beneficiary of this trend. Apart from the domestic Chinese airlines, Cathay Pacific and Singapore Airlines are major beneficiaries with their leading presence in the international markets in Asia.</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Air China (753 HK)</span></em></strong></p><p>Air China is the largest airline company in China in terms of market cap. It serves more than 150 destinations with hubs in Beijing, Chengdu and Shanghai. It is also a member of the Star Alliance which include airlines such as United Airlines and Lufthansa. It has an aircraft maintenance joint venture with Lufthansa. Air China owns stakes in other airlines such as 29.99% stake in Cathay Pacific, 51% stake in Shenzhen Airlines.</p><p> </p><p><em><strong><span style=\"text-decoration: underline;\">China Southern Airlines (1055 HK)</span></strong></em><span style=\"text-decoration: underline;\"></span></p><p>China Southern is the largest airline company in China in terms of capacity. Based in Guangzhou, it serves 210 destinations in almost 40 countries. It is a partner with SkyTeam alliance which include airlines such as Delta, Air France and KLM. It is state-owned company with the Government controlling just over 40% of China Southern Airlines.</p><p> </p><p><em><strong><span style=\"text-decoration: underline;\">China Eastern Airlines (670 HK)</span></strong></em><span style=\"text-decoration: underline;\"></span></p><p>China Eastern is one of the top three airlines in China. Based in Shanghai, it serves about 150 destinations. It owns stakes in Shanghai Hongqiao International Airport and Shanghai Pudong International Airport, as well as China Cargo Airlines, the largest cargo carrier in China.</p><p> </p><p><strong><em><span style=\"text-decoration: underline;\">Cathay Pacific Airways (293 HK)</span></em></strong></p><p>Cathay Pacific is the leading airline in Hong Kong. It serves about 200 destinations in 49 countries. It is a member of the Oneworld alliance which include American Airlines and British Airways. Its regional subsidiary Dragonair provides scheduled services in China and elsewhere in Asia. It is also a major shareholder in Air Hong Kong, the cargo carrier in Hong Kong.</p><p> </p><p><em><strong><span style=\"text-decoration: underline;\">Singapore Airlines (SIA SP)</span></strong></em></p><p>Singapore Airlines is one of the leading airline in Asia and boast an iconic brand in Singapore Girl. It is a member of the Star Alliance which include airlines such as United Airlines and Lufthansa. It provide cargo carrier services via SIA Cargo and offers maintenance services with SIA Engineering. IT also manages regional services such as SilkAir and Scoot.</p><p> </p><p> </p><p><b>Edmund Chan, CFA</b></p>','posts/edmundch.jpg','asia-airlines',NULL,NULL,'PUBLISHED',0,'2018-05-29 13:00:00','2021-11-25 16:59:55',133),