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For example, Ms. Sweta from UK invests GBP 100,000 in an FCNR deposit on July 15, 2014 (1 GBP=100 INR) for 5 years at a rate so that the deposit has a maturity amount of GBP 120,000 on July 15, 2019 and simultaneously, enters a forward contract to convert the maturity amount (Sell GBP) at INR 125/GBP i.e. INR 15,000,000. Sweta’s investment of 10,000,000 INR becomes 15,000,000 INR giving her a simple average return of 10%. It will not matter whether the foreign exchange on July 15, 2019 is INR 110/GBP or INR 150/GBP; she would still get 15,000,000 on maturity.
Jigar Patel (NRI Investments and Taxation: A Small Guide for Big Gains)
According to an analysis report by Jenco, a decentralized financial service platform, “traditional finance uses a centralized authority that maintains distinct currency values across nations. Banks and other financial institutions enable monetary transactions using uniform values that may change, depending on the present GDP of the different nations whose currencies are used in particular exchanges.” “For instance, if the current exchange rate is 1 USD is 0.76 GBP, then all monetary exchanges are based on this present value. Currency values change depending on the time frame and location,” says the same report. Apart from maintaining the distinct currency values across countries, it also works as a restricted medium. This type of financial system uses banks and intermediaries to perform a single transaction. This means that the whole process in this system takes time, where some of it takes days to execute, and it is also costly. Almost every transaction has a service charge attached to it.
jencotech
What currency are you bringing to invest in your job, in others, and in yourself, now and in the future? I’m not talking about money denominated in USD, GBP, or Euros. I’m talking about your skills, your capabilities, your expertise, your values, your behaviors, your personal energy, your time, your loyalty. You’re the owner of this human capital, and you decide when, how, and where to invest it. You hold the key to value creation. Therefore, create value, preserve that value, and always anticipate value. The journey from success to significance begins with you.
Benjamin Kofi Quansah
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identicalfiat.com
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Wise Accounts Review: Is It the Best Choice for Global Banking? In today's globalized world, managing money across borders has become a critical need. Whether you're a freelancer, digital nomad, remote worker, small business owner, or international traveler, having a reliable global banking solution is essential. Wise (formerly TransferWise) has emerged as one of the most talked-about options in the market. But is it truly the best choice for global banking? In this comprehensive Wise account review, we’ll explore its features, pros and cons, fees, security, and why so many people are turning to Wise for international money management. 24/7 Customer Support Email: support@usaccountbuzz.com WhatsApp:‪+1(646)271-6617‬ Telegram:@usaccountbuzz What Is a Wise Account? A Wise account is a multi-currency account that lets you send, receive, hold, and convert money in over 40 currencies. It’s designed for individuals and businesses that operate across different countries. Wise started as a low-cost alternative for international money transfers. Today, it’s a complete borderless banking solution offering features similar to a traditional bank account—without being a bank. Key Features of a Wise Account Here are the standout features that make Wise a leading choice for international users: ✅ Multi-Currency Account You can hold balances in multiple currencies, including USD, EUR, GBP, AUD, CAD, and more. This is ideal if you get paid in one currency and spend in another. ✅ International Bank Details With a Wise account, you get local bank account details in major currencies like USD (with routing number), EUR (IBAN), GBP (account number and sort code), and others. This helps you receive payments just like a local. ✅ Low Fees & Transparent Pricing Wise is famous for its low transfer fees and mid-market exchange rates—the same rates you see on Google. No hidden charges. ✅ Real-Time Currency Conversion Convert money instantly between currencies with full visibility on fees and rates. ✅ Wise Debit Card The Wise debit card allows you to spend globally in 150+ currencies with low conversion fees. You can also withdraw cash from ATMs around the world. ✅ Mobile App and Web Access Easily manage your money, track spending, and make transfers from your phone or computer. Who Should Use a Wise Account? A Wise account is perfect for: Freelancers getting paid in foreign currencies Digital nomads managing finances across borders International students receiving money from home E-commerce sellers with global customers Remote workers working with foreign companies Small businesses dealing in international invoices Whether you’re sending or receiving money, Wise makes international banking fast, transparent, and affordable. Wise for Personal Use Let’s break down the personal use of Wise accounts:
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