Expert Financial Advice

Better understanding of Customer needs.

Pgcni Financial Limited

More ideas for your money

Pgcni Financial Services embark on a mission to utilize the entire potential of the financially unserved population by aiding their development to secure a brighter future. We’ve enlarged and broadened our scope within our 20 year history and drawing on expertise in strategy, branding, market research, visual identity, finance, tax and intellectual property, we now work not just with entrepreneurs and finance groups, but also brand owners, investors, lawyers, governments, tax professionals and a lot more.

our services

description

Home Loan

A unique offering to our home loan customers who are being prepared to occupy property. 

Deposits

Earn higher interest by investing your money in our fixed and recurring deposits. We provide flexibility with our lock-in periods that help you make long term decisions with your hard-earned money.

Accounts

Our Savings and Current Accounts are designed to maximize the value of your money and secure it for your future.

Gold Loan

Designed to provide you with a state, reliable, hassle free and quality financial service, our Gold Loan interest rates will give you a quick and easy way of meeting your financial needs.

Personal Loan

A Personal Loan is a great tool in managing your finances and functions as an impetus in putting your plans into actions.

Life Care

Life Care Finance helps you cover unforeseen medical expenses that can stretch your budget or for those expenses which aren’t covered by your medical insurance.

I would like to thank you for being there for me over the years. A few of the things I have today I wouldn’t have had without your financial support.

Dana C. Kennedy

 

Latest updates

Unterschiede zwischen Anfänger- und Fußball der Profis

Der Fußball ist und bleibt Breitensport Nummer Eins. In der Bundesrepublik Deutschland sind 6,5 Millionen Sportler ein Bestandteil von einem der über 27000 Vereine. Der Anfängerfußball aktuell ist dennoch im Wandel. Auf so gut wie allen Stufen haben die Vereine mit den unterschiedlichsten Problemen zu ringen. Dazu gehören neben häufig stark begrenzten monetären Mitteln auch die anstrengende Ermittlung nach Förderern sowie der Erhalt des Publikums. Background ist in jedem Fall ein Wandel in der Gesellschaft. War es bis vor ein paar Jahren noch auf der Hand liegend im Regelfall Sonntag Nachmittags den lokalen Fußballverein zu fördern, so haben in den unteren Ligen die Vereine immer mehr mit Publikumsverringerung zu ringen. Dabei ist dieser Sport keinesfalls weniger begehrt wie damals, die Leute aber haben augenscheinlich andere Prioritäten bestimmt. Speziell auf dem Land und in der Provinz müssen so immer mehr Vereine um die Existenz ringen, die Demografie und die Zuwanderung jüngerer Menschen vom Land hin in die Stadt tun ihr übriges.
Was treibt die Fußballer an?
Für die Meisten aller tätigen Fußballer ist die Ausübung ihres Sports ein Hobby mit Leidenschaft. Die Abweichung zwischen der Anzahl an Anfängerspielern und Profis ist mitnichten nur in Deutschland enorm hoch. So ist der Fußball in den unteren Ligen gewissermaßen das Herzstück des Fußballs. Der Fußball bedient unglaublich viele Facetten parallel. Auf der einen Seite ist vielen Sportlern beim Kicken die sportliche Tätigkeit an sich bedeutend. Das regelmäßige Training und mögliche Wettkämpfe halten und gesund. Beim Fußball kommt darüber hinaus der Teamgeist hinzu. Fussball ist schließlich ein Mannschaftssport und wird nie nur durch den Einzelnen erfolgreich geprägt. So “gewinnt man zusammen” und “verliert zusammen”. Die Erfahrungen, die jeder Spieler im Rahmen des Teams erleben kann, machen diese Sportart unvergleichlich – damit sind positive und auch nicht so schöne Erlebnisse gemeint. Nicht selten entstehen über einen Fußballverein enge Beziehungen, die auch abseits vom Fußball Bestand haben. Man lernt unzweifelhaft andere Leute kennen und wächst in ein existierendes Gruppe hinein. Dies kann von der Kindheit an existieren, aber auch erst später im Erwachsenenalter sich entfalten.

Um den Amateurfußball begreifen zu können, ist das Vergleichen zwischen den medial wenig beachteten Freizeitfußballern und den gut bezahlten und begehrten Profis hilfreich. Das Gehalt ist tatsächlich eine der größten Differenzen zwischen Amateuren und Profis. Zwar gibt es in den niedrigeren Ligen in kleinerem Rahmen auch eine Vergütung für die Fußballer, jedoch bietet der Fußball auf Anfängergebiet keine Reichtümer an und reicht in der Regel auch nicht zum Leben – es ist höchstens ein Nebenverdienst. Als Profi in der 1. oder 2. Fußballbundesliga verdient man hingegen Gelder, wovon nicht nur die Amateure, sondern auch andere Berufsfraktionen nur träumen können, nicht selten im siebenstelligen Bereich pro Jahr.
Jeder Spieler möchte am Ende des Turniers als Gewinner vom Platz gehen. Jedoch hat der Spielausgang in den höheren Ligen gewiss eine andere, größere Bedeutung, als im Anfängerbereich. Der Leistungsdruck ist im Profifußball häufig extrem groß, nicht selten hängen Existenzen an der Zugehörigkeit der Liga des jeweiligen Vereins. Damit in Beziehung steht auch eine hingabevolle Fankultur, wie wir sie in Deutschland haben. Die Zuschauer der Vereine der Profis erhoffen Leistung und absolute Leidenschaft für den Fußballverein. Sollte diese von den Profispieler gar nicht erbracht werden, werden die Zuschauer frustriert, was im Umkehrschluss die Sportler darüber hinaus unter Druck setzt. Beim Amateurfußball dagegen will der Trainer zwar auch Leistung sehen, allerdings hat ein mögliches Verlieren eindeutig weniger Konsequenzen. Der Spaß steht oft im Zentrum und im Großen und Ganzen folgen fast alle Spieler diesem Gedanken.
Die Intensität der Trainingseinheiten und das Niveau ist im professionellen Fußball erwartungsgemäß größer als im Anfängerbereich. Fast alle Profis trainieren tagein, tagaus, teilweise mehrfach. Amateure haben üblich ein paar Mal die Woche Training.

HOW HAS MOBILE DATING AFFECTED DATING?

It isn’t likely that dating will become a “piece of cake” ever. By this, I mean you will always have to put in quality efforts to start, enjoy and sustain one. But mobile dating and app dating has made connecting as simple as it could get. These dating sites bring people you usually won’t be able to reach offline within your fingertips.
Again, the platform makes the dating itself simple. You don’t have to be embarrassed or afraid of asking anyone out. Expectedly, everyone on the platform is there to get hooked up. That’s a lot of burdens on your neck to start with. Also, it’s possible to build your relationship carefully and steadily through the virtual platforms and allow the process to grow into the depth you desire over time. You can even decide to restrict the relationship to the internet while you enjoy your privacy outside of the sites. Alternatively, you can easily opt out of the deal without so many struggles as you consider the relationship unhealthy.
However, in reality, these simplicity and ease of free dating apps and sites are mostly so theoretically. In the real world, it poses as many dangers as those in real life.
Let’s consider some of the dangers of online dating, but before them, we may also want to know if these dating services work for the users. Below are some of the statistics on dating apps and sites.
These statistics are gotten from datingsitesreviews
– 44% of the successful online dating reported their use of online dating sites led to marriages or a serious long-term relationship.
– In the United States alone, there are 6,747 companies who employ 9,592 people in providing online dating services.
– On app dating, both men and women initiate dating processes at an equal rate.
– 84% of single reported that they use online dating app to review their potential dates.
– Only in 2016, the Australians spent the sum of $11.65 billion on dating.
– 26% percent of users of premium dating sites are from the United States. 21% are from the United Kingdom while 17% are from Germany. About 5% of these users are from Saudi Arabia.
– Several countries like China and India are now reviewing the regulations of their dating sites to make them more secure for users.
– Most users of online dating sites want to choose partners who have about the same level of education as they have.
– Here is a shocker: 22% of millennials are of the opinion that technology has made finding love more difficult. Understandably, 125% of them are more likely to feel addicted to dating (because of technology) than the previous generation.
– The words, “I love you” get used by 35% of online daters within the first three months being engaged compare to 30% of offline daters that does same within the same time.
– It is also believe that dating sites’ match-making algorithm and questionnaires help in finding more suitable partners. This is believed to be boosting the possibilities of success in marriage than those consummated offline.
– Lastly, but unfortunately, 61% of singles believe the rise in the use of technology has reduced the ease and quality of our face-to-face interactions.
Back to where we started from, how dangerous or safe is Online Dating?

World’s fastest-growing economies.

The developing countries have emerged as powerhouses, and they contribute to global growth in output and consumption. The average growth rate is about 2.7 percent, but countries like China and India has a growth rate of 7.0 percent.

The following are some of the world’s fastest-growing economies:

Senegal:

Senegal is located in West Africa. It is one of the world’s fastest-growing economies and has a projected growth of 6.6 percent. Senegal’s economy is centered mostly on natural resources and Commodities. Agriculture is a major sector in the country, and it produces many cash crops. The tourism of the country is also stable and blooming as it has an excellent French Colonial heritage and a brilliant natural attraction.

Bhutan:

Bhutan is known as the ‘land of the thunder dragon,’ and is a land-locked country in the Himalayas and lies between India and China which are the world’s most populated countries. Bhutan has a fast growing economy and is fueled by forestry, tourism, agriculture, and hydro-power. Bhutan’s economy is expected to grow at a rate of 11.1% during 2017-19. Gross National Happiness (GNH) is given more emphasis to build the nation’s prosperity than the Gross Domestic Product (GDP).

Ethiopia:

Ethiopia is one of Africa’s largest recipient of developmental aid, but several sectors of the country shows great promise for the economy. It is hoped that by the year 2025 Ethiopia will become a middle-income country. The country is slowly developing in its construction sector and also has a good public infrastructure investment. The Grand Ethiopian Renaissance Dam is considered the crowning glory of the country’s recent growth.

Economy

India:

India is one of the top five fastest growing economies in the world. Backed by ample resources, robust domestic demand, macroeconomic fundamentals, favorable demographics and a proactive government the country is said to have an annual growth of 7.73% during 2017 to 2019. India is an excellent country for investors as it is both stable and huge. Companies via ADRs listed on the United States exchanges focus on investing in India.

Cambodia:

Cambodia also has one of the world’s fasted growing economy and has a projected economic growth of 7.0 percent. Cambodia faces numerous socio-political issues, and a widespread poverty exists in the country as there are corruption and lack of political freedom. Cambodia also has a low per capita income despite being one of the fastest growing economies in Asia. Agriculture is one of the dominant economic sectors in the country and has a strong growth in construction, textiles, tourism, and garment sectors.

Ghana:

Ghana is one of the most stable African nations and has a low corruption and macroeconomic stability. The economic journey of the country has been quite bumpy in recent years. Ghana’s fiscal deficit and monetary policy led to soaring inflation, high levels of debt, and depreciating the currency. The nation’s growth slowed down in 2014-16 but is expected to rise in the next few years to an average annual growth rate of 8.1%.

Roles and Responsibilities of a Finance Department.

The finance depart is a significant part of a company. It is responsible for acquiring funds for the firm, planning for the expenditure of money on various assets and managing resources within the organization. It ensures efficient financial management and control which are necessary to support all the activities done by a business.

The department has a broad range of roles and responsibilities. A business must have a good financial unit for it to run smoothly. The performance and success of a firm greatly depend on how well the finance department functions. The Finance department does a wide range of activities like bookkeeping, providing information to managers, transactional accounting, cash flow, payments, etc.

Some of the key roles include:

Money Out and Money In:

The finance unit is responsible for making all the payments for the company. They have to make sure that bills are being regularly paid and process all the incoming payment. To maintain a good relationship with the clients and vendors, it is always advisable to pay on time. Accounting department needs to keep an eye on the expenditures made and make it a point to save money. When the payments are made on time, there is no need to pay a late fee or a payment charge. The company does not have to execute unnecessary expenses if the finance department makes all the payments at the right time.

Tracking the invoices, receivables and any other collection actions must be done carefully.  The employees need to check if the customers pay the invoices on time, if they delay it then, a reminder must be politely sent to the customers.

Financial Controls:

Since the department deals with money, the employees need to be very careful and keep in making sure that all the errors are avoided, and the business is free from any frauds and theft.

Payroll:

Processing the salary payments are one of the primary roles of a finance department. They need to make sure that everyone gets paid. Employees of the company need to be paid on time, and they also need to check if taxes are correctly accessed, and tax payments are made on time for both state and federal agencies.

payroll

Report Generation:

The employees of the team also work on the preparation of financial reports like balance sheets, P&L, and budgets. One of the main reasons to collect all the data is to properly generate a report which can be used for budgeting and make other decisions. These statements are also required for establishing communications with the investors, banks, and other employees who are involved in developing your business.

Management of Taxes:

The finance department has to handle the taxes of a company. To maintain an excellent corporate relationship with the government, the firm needs to pay taxes as you earn to the relevant authorities and also make sure that implementation of tax matters are done within the framed policies

 

 

Top five devastating financial crises in the world.

Whenever the asset loses its face value, a financial crisis is said to occur. The Economic crisis can create adverse consequences such as fall in output, currency crashes, sovereign defaults, etc. There were many crises, and each of them had a different scale and level of impact. Our world is connected through currency markets, capital flows, and trade relations. Thus, if a crisis occurs in a country, it affects or transmits its crisis to all the other countries that are linked to that country.
The following are some of the World’s Most-Devastating Financial Crises:

Black Monday:
Black Monday crisis happened on October 19, 1987. There was a widespread stock market crash all around the world. The crisis started in Hong Kong, and it spread to Europe and the United States. Companies like Dow Jones dropped by 22.1%, and the company took nearly two years to reach their previous high in 1987. Many come up with explanations for the Black Monday economic crisis, but none of those explanations is conclusive.

Wall Street Crash:
The Wall Street Crash was one of the most shocking crashes in the United States Stock Market. The crisis started in the year 1929, and it came as a blow to the market in the 1920s. People thought that the markets would rise indefinitely and wealth would grow. There was a warning created in March 1929, and it was warded off by the National City Bank. The economy was not that great in the late 1920s. The construction activities, production of steel, and car sales were all going down. Due to easy credit, there were consumers with large debts, and the over-supply of wheat decreased prices and farmers were affected very badly. This crisis shook America and eventually affected the stock markets.

1973 Oil Crisis:
Crude oil costs increased, and the production was cut, specifically to Netherlands and United States when OPEC employed oil as a weapon with the Arab Oil Embargo against those who supported Israel in the war of Syria and Egypt against Israel.
Though the embargo lasted only five months, the effects are present even today. Japanese car makers began to make smaller cars, and this gave a great shake in the American market share. To conserve oil, United States enacted a 55 mph speed limit. The U.S President created the Department of Energy in the year 1977, and it developed the petroleum reserve of the country.

The Great Depression:
The Great Depression lasted the entire period between 1929 and the outbreak of World War II. It was the most prolonged and severe depression in global economic history in U.S.
The government raised the interest rates, and Investors were desperate to liquidate their stocks, but there was no money. The country went into a Great Depression, and many countries in the world were also affected by this crisis. Know More

contact info

Our quick and efficient executives will be happy to help you out with any information you might need or queries you may have.

Address

1369 Jadewood Farms,
Morristown, NJ 07960

Working Hours

Weekdays: 10AM – 8PM
Weekends: by appoinment

Contact

973-401-4763

Mail

info@pgcni.com