آٹھ ایسے کاروبار جو خواتین گھر بیٹھے آسانی سے کر سکتی ہیں

آج ہم آپ کو دس ایسے  آسان کاروبار کے بارے میں بتاتے ہیں جو خواتین گھر بیٹھ کے کر سکتیں ہیں جن میں پانچ ایسے ہیں جن کے لئے ٹیکنالوجی کی ضرورت ہوتی ہے اور پانچ ایسے ہیں جن کے لئے ٹیکنالوجی کی ضرورت نہیں تو آیے ہم آپ کو بتاتے ہیں.

نمبر ایک کیک میکنگ.

پہلا آئیڈیا ہے کیک میکنگ بزنسس اگر آپ کیک بنانا جانتی ہیں تو یہ آپ کے لئے ایک بہت اچھا کاروبار ہے کیونکے  کے کیک آج کل بہت مشور ہو رہے ہیں آپ آن لائن آرڈر لے کر جو کے مختلف پارٹیز سالگرہ شادی کسی کی جاب کی خوشی غرض بہت سرے مواقے آ سکتے ہیں جن کے لئے آپ کیک بنا سکتی ہیں اور آپ اس کو اپنے فیس بک پیج پے بچ سکتی ہیں.

نمبر دو ٹریننگ اسکول آپ ایک اپنا آن لائن ٹرننگ سینٹر یا اسکول اوپن کر سکتی ہیں جو آپ کی مہارت ہو مثل پرائمری ٹیچنگ میتھس سائنس انگلش لینگویج یا قرآن بھی پڑھا سکتی ہیں.

نمبر تین ٹفن سروس آپ مختلف جگہوں پر تفن سروس بھی کر سکتی ہیں مثلا آفسز دکانوں کارخانوں اور مختلف جگہوں پر گھر کا صاف پکا ہوا کھانا سپلائی کر سکتی ہیں جس کے کے آپ کو ایک مرد کی ضرورت بھی پر سکتی ہیں جو کھانا سپلائی کرے. یا آپ اپنے فیس بک پیج سے بھی یہ کام کر سکتی ہیں.

نمبر چار آن لائن ٹٹورنگ آپ گھر بیٹھ کر اپنی پراویسی میں آن لائن ٹٹورنگ کر سکتی ہیں مثلا قرآن پرائمری یا سیکنڈری کے بچوں کو ٹیوشن وغیرہ.

نمبر پانچ آئس سیلنگ یہ کام موسمی ہے جو آپ صرف گرمیوں میں ہی کر سکتی ہیں اس کے لئے آپ دو 150 کے سولر پینل لگا سکتی ہیں اور یہ پورا دن آپ کے ڈیپ فریزر کو چلایں گے اس سے اپ کم از کم روزانہ کے 500 تک کما سکتی ہیں.

نمبر چھ ای بک رائیٹر یہ ایک ٹیکنیکل کام ہے اگر آپ انگلش میں کوئی آرٹیکل کوئی بک یا کھانے کی ریسیپی کسی تھرڈ پرسن کے لئے لکھ سکتی ہیں تو یہ ایک بہت ہی منافع بخش کام ہے اس سے آپ اچھے خاصے پیسے کما سکتی ہیں.

نمبر ساتھ گھوسٹ رائیٹر اس میں آپ مختلف ویب سائٹ کے لئے آرٹیکلز لکھ کر پیسے کما سکتی ہیں پہلے تو آپ کو اس میں کافی محنت کرنی پڑے گی مگر جب آپ اس میں مہارت حاصل کر لیں گی تو آپ کو بہت سی ویب سائٹ آرٹیکل رائٹنگ کی آفر دیں گی جس کو پورا کرنا آپ کے لئے مشکل ہو جائے گا مطلب آرٹیکل رائٹنگ کا بے انتہا کم ہے جو آپ نیٹ سے حاصل کر سکتی ہیں.

نمبر آٹھ فیشن ڈیزائنر اگر آپ لیڈیز کے کپڑے ڈیزائن کر سکتی ہیں تو یقین جانیں یہ ایک نہایت منافع بخش کام ہے بس آپ نت نے ڈیزائن متعارف کرواتی جائیں اور پیسے کماتی جائیں.

تو آپ نے دیکھ کے آن لائن پیسے کمانے کے کتنے اور بیشمار طریقے ہیں جو کے نہ صرف آسان ہیں بلکے کم سرمایے سے بھی شروع کے جا سکتے ہیں.

Bank Jobs Interview Questions And Answers

Have you applied for a banking job in Pakistan and you receive a call for Interview then you should have full knowledge abut the Bank Jobs Interview Questions And Answers In Pakistan as we have described it briefly here on this page. Not only in banking sector of Pakistan but all other sector Interview is compulsory part of hiring. As in Interview the interviewer judge the candidates according to the job announced and other facts. So that is why it is really compulsory then whenever you are going for an Interview then you must be prepared for that Interview. In the preparation of the Interview the first thing is your appearance as the first impression is the last impression. You should be well dress for an interview and then the second thing is about your knowledge and experience. As here we are going to explain about the Banking Sector Jobs Interview so that is why other that the Bank Jobs Interview Questions And Answers In Pakistan you must have read an overview of the bank before going to an Interview in that bank.

Tell us Something about yourself?

if you are going for an Interview then this will be the first and basic question that is asked from each candidates coming for Interview. To answer this question you have to tell the interviewer about your name, place you are from and the organization you are currently working with. You can also add your educational degree in you answer too. Your answer should be precis because the second question could be form the first question answer e.g if your father is from some other occupation other than Banking then they could ask you that why you not choosing your father profession why banker. Be prepared for these kinds of questions too.

Where have you come from and what is famous in your city?

To answer this question you have to tell that actually where are you from like city or state and then tell interviewer about the famous thing in your city it could be some historical Place, Some Crop, Fruit, Culture or business etc. Like one could say that i am from Lahore which is the heart of Pakistan with many historical and cultural things and places in it.
You should also have knowledge about the MNA or MPA of your area because it could be asked from you. You have a little history too about your place from where are you. Basically this questions were asked to check that either you have knowledge about your surrounding our not.

Why you want to be a part of the Banking Industry?

I want to join banking Industry because i could provide the industry my stable career with good growth prospects. Banking sector is one of the fastest growing sector of the Pakistan which always provide the great career opportunity for candidates. You can also add some positive words with your answer that could be like this is one of the honest organization that provide good working environment to its employee and give chance to directly interact with the Public.

What are your Strength and Weaknesses?

The answer of this question could be vary from one person to other and the strength or weakness you are going to explain should be matched with your personality as well as the organizations.

In explaining your strength you should explain the strength that are useful for banking sectors it could be Good Communication Skills, Good Listener, Could work in intense situation, Team work etc.

In this question you can add if you have won any award in your educational career or professional career. While telling about the weaknesses you should not be very negative like short temper, Irregular etc because it will leave a bad impression on your personality.

Why you wanted to choose banking Sector as you have done BSc, B. Tech, MBA, MA rather going with the field of your education?

The answer should be straight and honest because the interviewers are also aware of the market so if you have done MBA then your answer should be. This is really hard to find a good job in the MBA i wanted to join Banking sector because it is the safe sector that provide great career opportunity to the employees.

What are the basic documents require for a person to open an account in bank?

According to the State Bank of Pakistan a person must have a CNIC Card, Proof of address, if he or she is salaried person that proof of recruitment and if he or she is a business man then proof of thier business is compulsory for every one to open an account.
This type of question is asked to check that either you have basic knowledge about the banking sector or not. He could also ask then either you have an account in bank or not if yes that what type of account it is etc.

Who is governor of State Bank of Pakistan SBP?

You must know the current governor of State Bank of Pakistan and when he join his duties  You should have this kind of Information before facing a banking Job Interview Questions.

What do you mean by GDP of Country?

Full form of GDP is gross domestic product. This GDP is the complete measurement of the all the goods and services a country produce in one financial year.

Do you know the difference between the Nationalized and Private Banks in Pakistan?

Nationalized bans are those which are owned by the government of that country which is mainly known as the public sector Banks while on the other side Private banks is owned by an Individual Person or a company.

Do banks have various risks?

Yes banks have mainly three kinds of risk that are

Credit Risk that is about Loans
Market Risk that is about Money Investment in Market
Operational Risk that is day to day working risk.

Difference Between demand Draft and Cheque?

Cheque could be define as a negotiable instrument which is paid to the bearer and on the other side a demand draft can be define as a negotiable instrument always payable on order base.

If we divide Banks Capital Into Parts and what are they?

Paid Up Capital + Reserves
Borrowed Funds + General Loss Reserves + Subordinated Term Debts + Undisclosed Reserves

You must have heard that banking turning thier branches into CBS? So what is CBS?

Full form of CBS is Core Banking Solution. Through this system all the branches of bank is interconnected with each other with a central database server as we know that Online branch. Through this facility if we have account in one branch then we can operate it from other branch too as after this system customers do not have to visit the same branch from far away where they have open an account.

What do you know about Para Banking?

In Para Banking there are such services which bank offer to its customers other than their day by day banking service like debit card, Credit Card, Car Loan, Life Insurance etc.

What is the main difference between Micro Finance and Micro Credit?

Micro Credit is a small term in which customer can get small amount of loan from the bank and on other side Micro Finance is a wide tern which includes Small Loans as well as the complete training on this Financial Matters.

If we want to promote Financial Inclusion of our bank then what are the Steps?

Advertisement of the bank so that more and more customers could be attract
Facilities for poor people so that they can also open their account
Those person who are involved in the agriculture profession should be provided with the Kisan credit card.

What do you know about Cash Reserve Ratio (CRR)?

Cash Reserve Ration is the cash of the Bank deposit in the State Bank of Pakistan.

What is Inflation and Deflation?

Inflation could be define as increase in demand of a product due to decrease in Supply or more demand in the market and in deflation the money in the market is low due to which the purchasing power of people decreases.

انٹرنیٹ بنکنگ اک انقلاب

دوستوں آپ نے انٹرنیٹ بنکنگ کے بارے میں تو سنا ہی ہوگا آج اس آرٹیکل میں آپ کو میں اس کے بیشمار فوائد بتاؤں گا جیسا کے آپ لوگوں تو پتا ہے کے جو بھی انٹرنیٹ پے بزنس کرتا ہے تقریبا بہت سے لوگ انٹرنیٹ بنکنگ استمال کرتے ہیں اور انٹرنیٹ بنکنگ سے بہت بارے فوائد بھی ہے جیسا کے اگر آپ کو کوئی ٹرانزیکشن کرنے کے لئے بینک جانا پڑتا ہے یا آپ یوں سمجھ لیں کے اگر آپ کو کسی کو پیسے بھیجنے ہوں تو آپ انٹرنیٹ بنکنگ کا بخوبی اور آسانی سے استمال کر سکتے ہیں اگر آپ کسی ایک بینک سے دوسرے بینک میں پیسے بھیج رہے ہوں تو اس میں آپ کو کچھ چارجز بھی ادا کرنے پڑتے ہیں اگر آپ سیم بینک میں آن لائن پیسے ٹرانسفر کریں تو آپ کو بنا کسی چارجز ادا کے بغیر پیسے ٹرانسفر کر سکتے ہیں اور یہ طریقہ محفوظ اور آرام دہ بھی ہے اس کے علاوہ اگر کوئی اور آپ کے اکاؤنٹ میں میں پیمنٹ ٹرانسفر کرتا ہے تو آپ کو بیلنس چیک کرنے کے لئے بینک یا ATM جانا پڑتا ہے مگر آپ انٹرنیٹ بنکنگ سے گھر بیٹھے بآسانی چیک کر سکتے ہیں اس کے علاوہ اور بھی بہت بارے فائدے ہیں جیسا کے کبھی بھی اور کسی بھی ٹائم آپ کو کسی کو بھی پیسے بھیجنے ہیں تو وو آپ آسانی سے کر سکتے ہیں.

انٹرنیٹ بنکنگ کے لئے جب آپ اکاؤنٹ اوپن کروانے جاتے ہیں تو وہ آپ سے فارم فل کرواتے وقت آپ کا ای میل آئی دی پوچھتے ہیں آپ جو ای میل دیں گے وہ وہی ای میل ہوگی جو آپ انٹرنیٹ بنکنگ میں استمال کریں گے اکاؤنٹ اوپن ہونے کے بعد آپ کو اپنی ای میل اپ ڈٹ کروانی ہوتی ہے اس کے لئے آپ کو بینک کی ہیلپ لائن کال کرنی ہوتی ہے جو کے ایک آسان پراسیس ہے اس میں بینک نمائندہ آپ سے کنفرمیشن کے لئے کچھ سوالات کرے گا جو آپ کو درست بتانے ہوتے ہیں اس کے بعد آپ کی ای میل اپ ڈیٹ کر دی جاتی ہے.

اس کے بعد اپ انٹرنیٹ پر اس بینک کی ویب سائٹ پر جائیں گے اور آپ کوانٹرنیٹ بنکنگ کے لئے نیا اکاؤنٹ سائن اپ کرنا ہوگا جو کے ایک آسان طریقہ ہے رجسٹر ہونے کے بعد بینک آپ کو ایک ای میل سند کرے گا آپ کو اس ای میل ک وریفای کروانا ہوگا پھر آپ بآسانی اپنے اکونٹ میں لاگ ان ہو سکیں کے پھر آپ کو ایک ای میل اور موصول ہوگی جس میں آپ کو یہ بتایا جائے گا کے آپ کا اکاؤنٹ اACTIVE ہو چکا ہے دوستوں مختلف بینکوں میں مختلف طریقے بھی ہو سکتے ہیں جو کے زیادہ مختلف نہ ہوں گے تقریبا ہر بینک میں آن لائن اکونٹ ACTIVE کرنے کا یہی طریقہ ہے.

لاگ ان ہونے کے بعد آپ کے سامنے آپ کا ڈیش بورڈ آ جائے گا اس میں مختلف قسم کے مینو آپ کے سامنے آ جائیں گے مثلا مائی اکاونٹ مائی پمنٹس سیٹنگ وغیرہ ان مینو میں بھی مزید انفارمیشن ہوتیں ہیں جو کے آپ اکونٹ ایکٹو کرنے کے بعد بآسانی دیکھ سکتے ہیں اب آپ بآسانی کسی کو بھی پیسے سینڈ کر سکتے ہیں چاہے سیم بینک کو یا کوئی اور بینک ہو.

دوستوں انٹرنیٹ نے انٹرنیٹ بنکنگ میں ایک انقلاب برپا کر دیا ہے جو کے انتہائی آسان محفوظ اور آرام دہ ہے اور آپ پلک جھپکنے میں اپنی پیمنٹ سینڈ رسیو کر سکتے ہیں.

What Is Forex?

FOREX — the foreign exchange market or currency market or Forex is the market where one currency is traded for another. It is one of the largest markets in the world.

Some of the participants in this market are simply seeking to exchange a foreign currency for their own, like multinational corporations which must pay wages and other expenses in different nations than they sell products in. However, a large part of the market is made up of currency traders, who speculate on movements in exchange rates, much like others would speculate on movements of stock prices. Currency traders try to take advantage of even small fluctuations in exchange rates.

In the foreign exchange market there is little or no 'inside information'. Exchange rate fluctuations are usually caused by actual monetary flows as well as anticipations on global macroeconomic conditions. Significant news is released publicly so, at least in theory, everyone in the world receives the same news at the same time.

Currencies are traded against one another. Each pair of currencies thus constitutes an individual product and is traditionally noted XXX/YYY, where YYY is the ISO 4217 international three-letter code of the currency into which the price of one unit of XXX currency is expressed. For instance, EUR/USD is the price of the euro expressed in US dollars, as in 1 euro = 1.2045 dollar.

Unlike stocks and futures exchange, foreign exchange is indeed an interbank, over-the-counter (OTC) market which means there is no single universal exchange for specific currency pair. The foreign exchange market operates 24 hours per day throughout the week between individuals with Forex brokers, brokers with banks, and banks with banks. If the European session is ended the Asian session or US session will start, so all world currencies can be continually in trade. Traders can react to news when it breaks, rather than waiting for the market to open, as is the case with most other markets.

Average daily international foreign exchange trading volume was $5.1 trillion in April 2016 according to the BIS triennial report.

Like any market there is a bid/offer spread (difference between buying price and selling price). On major currency crosses, the difference between the price at which a market maker will sell ("ask", or "offer") to a wholesale customer and the price at which the same market-maker will buy ("bid") from the same wholesale customer is minimal, usually only 1 or 2 pips. In the EUR/USD price of 1.4238 a pip would be the '8' at the end. So the bid/ask quote of EUR/USD might be 1.4238/1.4239.

This, of course, does not apply to retail customers. Most individual currency speculators will trade using a broker which will typically have a spread marked up to say 3-20 pips (so in our example 1.4237/1.4239 or 1.423/1.425). The broker will give their clients often huge amounts of margin, thereby facilitating clients spending more money on the bid/ask spread. The brokers are not regulated by the U.S. Securities and Exchange Commission (since they do not sell securities), so they are not bound by the same margin limits as stock brokerages. They do not typically charge margin interest, however since currency trades must be settled in 2 days, they will "resettle" open positions (again collecting the bid/ask spread).

Individual currency speculators can work during the day and trade in the evenings, taking advantage of the market's 24 hours long trading session.

USD/CAD Recovers Lost Ground on Canadian Housing Price Index

The USD/CAD currency pair today recovered initially lost ground after the release of Canada’s housing price indexdata in the early American session. The pair had lost significant ground earlier in today’s session due to yield spread differentials that were much stronger than the impact of global oil prices on the loonie.

The USD/CAD currency pair recovered over 40 points from its daily lows hit earlier in today’s session after the release of the Canadian housing data.

The Canadian dollar was stronger against the US dollar during the European session boosted by higher global crude oil prices, as tracked by the West Texas Intermediate, which hit highs around $57/bbl. Other factors propping up the loonie included yesterday’s building permits data and the strong yield spread differentials experienced earlier in today’s session. However, the hawkish stance taken by Bank of Canada Governor, Stephen Poloz, in recent comments also boosted the loonie against the greenback.

The release of the Canadian new housing price index by Statistics Canada, which met expectations, was largely unnoticed as the greenback rebounded in the early American session. This was despite the higher than expected initial jobless claims data released by the Department of Labor, which came in at 239,000 versus the expected 232,000, but could not derail the greenback.

The currency pair’s short-term performance is likely to be affected by global oil prices as well as the planned unveiling of the US tax reform bill, scheduled for later today.

The USD/CAD currency pair was trading at 1.2718 as at 14:54 GMT having rallied from a daily low of 1.2685. The CAD/JPY currency pair was trading at 89.17 having dropped from a high of 89.62 earlier today.

If you have any questions, comments or opinions regarding the Canadian Dollar, feel free to post them using the commentary form below.

Swiss Franc Supported by Low Unemployment

The Swiss franc was flat against some currencies and rose versus others today as a report showed that unemployment in Switzerland remained extremely low.

The State Secretariat for Economic Affairs reported that the unemployment rate was at 3.0% in October (3.1% if adjusted for seasonal variations), unchanged from September and in line with market expectations. It was the lowest level since October 2014. Meanwhile, Thomas Jordan, Chairman of the Governing Board of the Swiss National Bank was delivering a speech today, defending independence of central banks around the world even though they “have faced growing criticism” as “they resorted to unconventional monetary policy instruments and expanded their field of operations” after the financial crisis.

USD/CHF dropped from 0.9998 to 0.9933 as of 17:53 GMT today. EUR/CHF slid from 1.1591 to 1.1571, retreating from the daily high of 1.1618.

If you have any questions, comments or opinions regarding the Swiss Franc, feel free to post them using the commentary form below.

US Dollar Rallies Against Peers on Strong Services PMI Data

The US dollar today rallied against its main peers such as the euro and the British pound after the release of positive Services PMI data. The US dollar recovered from a poor showing after the release of non-farm payrolls data in the early North American session.

The US dollar’s performance against a basket of its main peers, as tracked by the US Dollar Index, improved later during the session as the DXY hit a high of 95.01.

The greenback opened the American session much weaker against its main peers as the Dollar Index hit lows below 94.50. The currency’s poor performance was largely triggered by the non-farm payrolls report released by the Bureau of Labor Statistics. The report indicated that the country added 261,000 new jobs in October as opposed to the expected 313,000 jobs, although this was a major improvement from the 18,000 jobs reported in September. Furthermore, the unemployment rate was lower than expected as it was recorded at 4.1%, versus the expected 4.2% rate, but the DXY still trended lower.

The release of the US ISM Non-manufacturing/Services Composite PMI for October a few hours later was what reversed the greenback’s fortunes. The PMI was recorded at 60.1, which was higher than the expected 58.5 and the previous 59.8. Overall, the releases from the US docket were positive showing that the US economy is improving, which boosted the greenback.

The greenback’s future performance is likely to be affected by political events in the US and its partner countries given the upcoming weekend.

The EUR/USD currency pair was trading at 1.1617 as at 15:45 GMT having dropped from a high of 1.1691. The GBP/USD currency pair was trading at 1.3073 having declined from a high of 1.3132.

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US Dollar Remains Stable After Week of Important Events

The US dollar ended the week on a relatively strong footing considering how many important events happened during the past week’s trading, which could have hurt the currency.

US President Donald Trump at last named nominatedJerome Powell as the next Federal Reserve Chair, who will succeed Janet Yellen after her term expires in February. The House of Representatives unveiled the long-awaited tax bill on Thursday after a one-day delay. Nonfarm payrolls came out rather disappointing, hurting the dollar, but the positive services sector data rescuedthe currency.

Meanwhile, the policy announcement made by the Bank of England hurt the Great Britain pound significantly. While the bank hiked interest rates for the first time in a decade, the policy statement made an impression that it might be a one-off event.

EUR/USD rallied from 1.1604 to 1.1689 during the week, but retreated to end this week’s trading almost at the opening level, closing at 1.1606. GBP/USD opened at 1.3128, rallied to the week’s high of 1.3320, but slumped to end trading at 1.3074. USD/JPY ended the week at 114.03 after opening at 113.74 and falling to the weekly low of 112.95.

If you have any questions, comments or opinions regarding the US Dollar, feel free to post them using the commentary form below.