For most of us, we get conditioned to learn in a certain way when we’re at school but it isn’t always the right style to help you personally learn to best effect.During the 1980’s, Honey and Mumford developed profiles of different learning styles to help people identify what sort of learners they are – the idea being that this can make learning easier, more effective and more enjoyable. It saves you tackling your learning on a hit-and-miss basis.
There are some astonishing statistics on the amount of cash held by non-financial firms. Around the end of 2013, the average FTSE 100 company held £1.9 billion, US non-financial firms held USD 1.64 trillion, all at record levels. It is worth looking at this from both a corporate finance angle and for what it means for the role of the treasurer.
When looked at from a Hong Kong perspective, the treasurer’s world is familiar yet has its own preoccupations.In one sense, sitting on the edge of the world’s second largest economy, with its huge currency reserves, growing middle class and restless political ambitions might well be considered positive for a (relatively) small entrepot economy; on the other hand, dealing with the nuances of an onshore / offshore currency regime, an uncertainty about whether the China boom will last (is that a mainland banking bubble on the horizon?) and rising regional economic and political ten
In the UK it is possible, as an individual, to have a basic bank account for free (as long as you stay in credit). The concept was introduced by Midland Bank in 1984 and was followed by almost all the other providers. The concept was, of course, that free banking would entice customers in and then that provided an audience to sell to. So customers who opted for free banking would use savings products, loans and mortgages, as well as insurance products such as house insurance, endowments, etc. The bank also had access to interest free deposits. The model is