Pestle Analysis Biman Bangladesh Airlines free essay sample

PESTEL Analysis on Biman Bangladesh Airlines Introduction PESTLE an investigation is significant for case examination political, monetary, social, mechanical factor of any organization. We have chosen Biman Bangladesh carriers for doing Pestle examination. In this way, this whole report will cover the significance of Pestle investigation and we will show how The pestle examination of Bangladesh Airlines are flying. Biman Bangladesh carriers is the main aircrafts Industry and most established carriers industry in Bangladesh. We are choosing Biman Bangladesh Airlines in light of the fact that the banner transporter carrier of Bangladesh.Its principle center point is at Shahjalal International Airport in Dhaka, and furthermore works departures from Shah Amanat International Airport in Chittagong, procuring income from the associating administration to Osmani International Airport in Sylhet. Biman gives worldwide traveler and payload administration to Asia and Europe, just as significant household courses. It has air administration concurrences with 42â countries, yet just travels to 16. The carrier was completely claimed and overseen by the Government of Bangladesh until 23 July 2007, when it was changed into the countrys biggest open constrained organization by the Bangladesh. We will compose a custom exposition test on Pestle Analysis Biman Bangladesh Airlines or then again any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page The aircrafts central station, Balaka Bhaban, is situated in Kurmitola, Dhaka. It is the benchmark for the every other aircraft association in Bangladesh. Foundation of the Industry Biman Bangladesh Airlines Ltd the national banner transporter of Bangladesh has begun its excursion without any preparation for all intents and purposes with no airplane, no ancillaries. It came into activity following the war of autonomy. Regardless of numerous chances on its excursion towards a long and provoking approach to advance, Biman has had the option to build up its notoriety for being an aircraft of welcome grin and an expanse of hospitality.Biman now conveys the nation’s banner to South Asia, South-East Asia and Far-East, Gulf and Middle-East locale and European. A consistent advancement has been made with better administrations guaranteeing expanded travelers. To cause Biman travelers to feel â€Å"once Biman consistently Biman† the aircraft has as of late got some subjective changes in its administration idea. Biman has been pointing in accomplishing the objective of being really universal economically suitable carrier of the loc ale with its glow and benevolence, care, wellbeing record, customary accommodation and solace of the administrations it advertised. Biman is currently flying significantly higher with extraordinary pride far and wide with the bi-shading, the nation’s banner. What is PEST ANALYSIS? An output of the outer full scale condition in which the firm works can be communicated regarding the accompanying components: †¢ Political †¢ Economic †¢ Social †¢ Technological ? Political Factors Political variables incorporate government guidelines and legitimate issues and characterize both formal and casual standards under which the firm should work. A few models include: †¢ Tax strategy †¢ Employment laws †¢ Environmental guidelines †¢ Trade limitations and taxes Political solidness ? Financial Factors Economic components influence the buying intensity of possible clients and the organizations cost of capital. Coming up next are instances of elements in the macroeconomics: †¢ Economic development †¢ Interest rates †¢ Exchange rates †¢ Inflation rate ? Social Facto rs Social components incorporate the segment and social parts of the outside microenvironment. These variables influence client needs and the size of possible markets. Some social components include: †¢ Health awareness †¢ Population development rate †¢ Age conveyance †¢ Career perspectives Emphasis on wellbeing ? Mechanical Factors Technological elements can bring down obstructions to section, decrease least effective creation levels, and impact re-appropriating choices. Some innovative components include: †¢ R;D action †¢ Automation †¢ Technology motivators †¢ Rate of mechanical change ? Natural components Environmental variables incorporate biological and ecological viewpoints, for example, climate, atmosphere, and environmental change, which may particularly influence ventures, for example, the travel industry, cultivating, and protection. †¢ Weather †¢ Climate †¢ Climate change †¢ Environmental law Legal elements Legal components can influence how an organization works, its expenses, and the interest for its items. †¢ Discrimination law †¢ Consumer law †¢ Antitrust law †¢ Employment law †¢ Health and wellbeing law. Nuisance Analysis on Biman Bangladesh Airlines ? Political factor Incompetent and degenerate administration, misrepresented fix bills, unrewarding courses all these lacking for political interruption. A parliamentary sub-advisory group has discovered debasement including Tk 700 crore in buy and upkeep of airplane and hardware of Biman Bangladesh Airlines in the last 18 years.Giving a case of defilement in buy, a Biman official said the cost of a lift slew switch utilized for flight control framework was indicated $7,500 in the bill while its market cost was just $235. ? Monetary Factors The VRS (willful retirement conspire) if remuneration dependent on length of administration, at an expense to the legislature of over $40â million acquired from the World Bank. The administration is the sole investor of the 1. 5â billion offers, however expects to offer 49â percent to the private division while holding greater part ownership.How Oil costs expanding, is this influencing their benefits from expanded fuel costs. The approved offer capital was expanded to BDT 2 billion in 1987, During a similar period, Biman detailed its greatest yearly loss of over US$120 million (BDT 8. 3â billion starting at 2010), with a US$100 million (BDT 6. 9â billion starting at 2010) misfortune announced the next year. Biman additionally fell behind on a huge number of dollars in installments to its fuel provider, the Bangladesh Petroleum Corporation. ? Social Factors Biman has air administration concurrences with 43 nations. the 2005â€06 monetary year, Biman conveyed 1. 15â million travelers, a development of 70% over the earlier decade. Wellbeing estimates they utilize ready and on the ground. Population’s development does a maturing populace influence them I. e. children of post war America, bunches of individuals in that life stage have progressively discretionary cashflow to spend. ? Mechanical Factors McDonnell Douglas DC-10s and Airbus A310-300s make up the greater part of Bimans universal armada. Fokker F28s make up the rest of the armada for the residential and territorial sectors.Bimans armada contains the second-to-last Douglas DCâ€10 to fall off the creation line (l/n 445), and just three different Airbus A310â€300s were delivered following Bimans acquisition of two new Airbus A310s in 1996. As things improve innovation gets less expensive. Its most distinctive component is the two turbofan motors mounted on under wing arches and a third motor at the base of the vertical stabilizer. ? Natural elements Environmental variables incorporate biological and ecological angles, for example, climate, atmosphere, and environmental change, which may particularly influence ventures, for example, the travel industry, cultivating, and insurance.Furthermore, developing familiarity with the likely effects of environmental change is influencing how Biman work and the items they offer, both making new markets and decreasing or wrecking existing ones. ? Legitimate elements An activity in 1998 expense Biman $1. 6â million in consultancy expenses with no positive outcomes. Legitimate variables incorporate separation law, purchaser law, antitrust law, business law, and wellbeing and security law. These elements can influence how an organization works, its expenses, and the interest for its products.Macro-natural Issues Opportunity: †¢ One measurements appears in Bangladesh air transport part has 8% yearly development rate. This shows chance to convey more travelers across various goals. †¢ Biman has air administration concurrences with 43 nations, however just works its courses to 18, so when it have adequate airplane then it can ready to direct trips to different goals. †¢ The yearly Islamic journey to Makkah Al Mukarramah for the Hajj is attempted by a large number of Bangladeshs dominatingly Muslim populace. In 2010 about 60% progressively Bangladeshi muslims went Jeddah for Hajj from the earlier year. †¢ International voyagers to and from Shahjalal International Airport flooded to 35. 23 lakh in 2009 from 26. 18 lakh in 2005, as indicated by air transport information of Civil Aviation Authority of Bangladesh. Imran Asif, CEO of Regent Airways, said air travel advertise developed in excess of 6 percent over the most recent multi decade. The piece of the pie of the nearby aircrafts rose to 38 percent in 2008 from 33 percent a year back, as per traffic development information at Shahjalal International Airport.So, there is a possiblity to get this offer. †¢ An organization of nine nearby banks has finished a proposition to give Biman Bangladesh Airlines Ltd an advance of $114. 75 million for obtaining two airplane from Boeing. Biman is taking the $114. 75 million credit from the neighborhood banks coop drove by Eastern Bank Ltd at a low financing cost of 4. 57 percent. Biman consented to an arrangement with Boeing in 2008 during the guardian governments rule to buy 10 airplane for $1. 31 billion to reinforce the armada of the national banner transporter. End

La Indolencia de Los Filipinos free essay sample

La indolencia de los filipinos (y de los estudiantes tambien) 1. What was the impact of conviction of mediocrity? - The youngster or youth who attempts to be whatever else is accused with vanity and assumption; the clergyman mocks him with coldblooded mockery, his family members view him with dread, outsiders respect him with incredible empathy. No progress ahead Get back in the positions and keep in line! With his soul along these lines formed the local falls into the most noxious everything being equal: routine not arranged yet forced and constrained. Note that the local himself isn't normally disposed to routine however his brain is arranged to acknowledge all fact, similarly as his home is available to all outsiders. The great and the wonderful pull in him, entice and charm him albeit like the Japanese he frequently trades the useful for the malevolence, in the event that it appears to him embellished and plated. What he needs is in any case freedom to permit extension to his courageous soul, and genuine models, excellent possibilities for what's to come. It is fundamental that his soul, in spite of the fact that it might be alarmed and cowed by the components and the dreadful indication of their strong powers, store up vitality, look for high purposes, so as to battle against hindrances amidst ominous normal conditions. All together that he may advance it is vital that a progressive soul, in a manner of speaking, should bubble in his veins, since progress essentially requires the present; the triumph of new thoughts over the old and acknowledged one. It won't be adequate to address his extravagant, to talk pleasantly to him, nor that the light enlighten him like the ignis fatuus that drives voyagers off track around evening time: all the complimenting guarantees of the most attractive expectations won't get the job done, inasmuch as his soul isn't free, his insight isn't regarded. 2. What is the importance of the announcement, tila ka kastila? The malevolent case of the dominators in encircle themselves with hirelings and disdaining manual or corporal work as a thing unbecoming the respectability and gallant pride of the saints of such a large number of hundreds of years; those noble pretense, which the locals have converted into tila ka castila, and the longing of the overwhelmed to be the equivalent of the dominators, if not basically, at any rate in their habits; this had normally to deliver abhorrence for movement and dread or contempt of work. 3. What does Rizal mean by saying that inactivity in the Philippines is an incessa nt however not an acquired ailment? When in outcome of a long interminable ailment the state of the patient is inspected, the inquiry may emerge whether the debilitating of the filaments and the debility of the organs are the reason for the maladys proceeding or the impact of the terrible treatment that drags out its activity. The going to doctor traits the whole disappointment of his ability to the poor constitution of the patient, to the atmosphere, to the environmental factors, etc. Then again, the patient properties the irritation of the malice to the arrangement of treatment followed. Just the basic group, the curious masses, shakes its head and can't arrive at a choice. Something like this occurs on account of the Philippines. Rather than a doctor, read government, that is ministers, representatives, and so on. Rather than persistent, Philippines; rather than illness, sluggishness. 4. What confirmations did Rizal provide for show that pre-Spanish Malayans were not slothful? - Before the appearance of the Europeans, the Malayan Filipinos carried on a functioning exchange, no just among themselves yet additionally with all the neighboring nations. All the narratives of those first years, to put it plainly, have large amounts of long records about the business and agribusiness of the locals; mines, gold-washings, looms, ranches, bargain, maritime development, raising of poultry and stock, weaving of silk and cotton, refineries, produces of arms, pearl fisheries, the civet business, the horn and shroud industry, and so forth , are things experienced at each progression, and thinking about the time and the conditions in the islands, demonstrate that there was life, there was action, there was development. 5. How could it happen that the enterprising agnostic culture was changed into that of an inactive Christian culture? - We have just discussed the pretty much idle inclination which exists in the Philippines toward slothfulness, and which must exist all over the place, in the entire world, in all men, since we as a whole loathe work pretty much, as it might be pretty much hard, more mineral less inefficient. The dolce far niente of the Italian, the rascarse la barriga of the Spaniard, the incomparable yearning of the common to live on his pay in harmony and serenity, verify this. It appears that there are makes more than adequate variety slothfulness amidst a bee sanctuary. In this manner is clarified why, following thirty-two years of the framework, the meticulous and reasonable Morga said that the locals have overlooked much about cultivating, raising poultry, stock and cotton and weaving material, as they used to do in their agnosticism and for quite a while after the nation had been prevailed! 6. For what reason does the city of Hong Kong have more business and exchange exercises than the entire of the Philippines? It has more business development than all the islands together, in light of the fact that it is free and is very much administered. The extraordinary trouble that each venture experienced with the organization contributed not a little to execute off all business and mechanical development. All the Filipinos, just as every one of the individuals who have attempted to take part in business in the Philippines, know what number of reports, what com ings, what number of stepped papers, how much persistence is expected to make sure about from the administration a grant for a venture. One must tally upon the cooperative attitude of this one, because of that one, on a decent pay off to another all together that the application be not categorized, a present to the one further on so it might give it to his boss; one must appeal to God to give him agreeability and time to see and look at it; to another, ability to perceive its convenience; to one further on adequate ineptitude not to aroma behind the venture an insurrectionary reason land that they may not constantly scrubbing down, chasing or playing a game of cards with the reverend ministers in their cloisters or nation houses. Or more all, incredible persistence, extraordinary information on the most proficient method to get along, a lot of cash, a lot of legislative issues, numerous welcome, extraordinary impact, a lot of presents and complete acquiescence! 7. Was there betting in the nation before the happening to the Spaniards? - Yes, we don't intend to state that before the happening to the Spaniards the locals didn't bet: the enthusiasm for betting is inborn in gutsy and volatile races, and such is the Malay, Pigafetta lets us know of cockfights and of wagers in the Island of Paragua. Cockerel battling must likewise have existed in Luzon and in all the islands, for in the phrasing of the game are two Tagalog words: sabong and tari (cockpit and gaff). However, there isn't the least uncertainty that the cultivating of this game is because of the legislature, just as its consummating. 8. What are the impacts of such a large number of strict celebrations on the nation? Keep in mind, that absence of capital and nonappearance of means incapacitate all development, and you will perceive how the local was perforce to be lethargic for if any cash may stay to him from the preliminaries, imposts and exactions, he would need to offer it to the minister for bulls, scapularies, candles, novenaries, and so forth. Also, if this doesn't get the job done to shape a slothful character, if the atmosphere and nature are insufficient in themselves to shock him and deny him of all vitality, review then that the precept of his religion instruct him to flood his fields in the dry season, not by methods for waterways yet with accumulates and petitions; to save his stock during a pestilence with heavenly water, expulsions and blessings that cost five dollars a creature, to drive away the beetles by a parade with the picture of St. Augustine, and so on. It is well, without a doubt, to trust enormously in God; however it is smarter to do what one can not inconvenience the Creator each second, in any event, when these interests redound to the advantage of His pastors. We have seen that the nations which accept most in supernatural occurrences are the laziest, similarly as ruined youngsters are the most discourteous. Regardless of whether they trust in supernatural occurrences to vindicate their sluggishness or they are lethargic on the grounds that they put stock in marvels, we can't state; however he truth is the Filipinos were considerably less languid before the word wonder was brought into their language. 9. What other proof might be brought up to show the absence of national notion? - The restricted preparing in the home, the overbearing and sterile instruction of the uncommon focuses of discovering that visually impaired subjection of the young to one of more prominent age, impact the psyche so a man may not seek to exceed expectations the individuals who went before him yet should only be substance to oblige a walk behind them. Stagnation persuasively results from this, and as he who commits himself only to duplicating strips himself of different characteristics fit to his own tendency, he normally gets sterile; thus wantonness. Lethargy is a result gotten from the absence of upgrade and of imperativeness. That unobtrusiveness implanted into the feelings of everybody, or, to talk all the more obviously, that suggested mediocrity, a kind of day by day and consistent devaluation of the brain so it may not be raised to the areas of life, stifles the energies, deadens all inclinations toward progression, and of the least battle a man surrenders without battling. In the event that by one of those uncommon episodes, some wild soul, that is some dynamic one, exceeds expectations, rather than his model invigorating, it just motivations others to continue in their inaction. Theres one who will work for us; lets rest on! state his family members and companions. Genuine it is that the soul of competition is here and there stirred, just that then it stirs with awful amusingness in the appearance of jealousy, and as opposed to being a switch for helping, it is a deterrent that produces debilitation. 10.

10 Ways That Bad Credit Can Mess up Your Life - OppLoans

10 Ways That Bad Credit Can Mess up Your Life - OppLoans 10 Ways That Bad Credit Can Mess up Your Life 10 Ways That Bad Credit Can Mess up Your LifeIf you thought that a bad credit score only affected your ability to get qualified for personal loans and credit cardsâ€"think again.Having a bad credit score is bad. That’s why they call it “bad” credit. But what does that actually mean? If you’re a credit newbie, you would do well to learn all the different ways that bad credit can damage your financial wellbeing. Luckily, that’s exactly what we’re here to teach you. So check out these 10 ways that bad credit can totally mess up your life!1. Higher interest rates.The way that bad credit most directly affects a person’s life is in the realm ofâ€"wellâ€"credit. If you have a lousy credit score, you’ll have a hard time getting approved for personal loans and credit cards, especially if those loans are unsecured.But even if you do get approved, the bad credit pain isn’t over.“Everyone knows that having bad credit can make it difficult to be approved for a loan, but even if you do happen to be approved, it’s not always a good thing,” said  Jacob Dayan, CEO and co-founder of  Community Tax, LLC (@communitytaxllc) and  Finance Pal, LLC.“These loans will come with higher down payments, higher interest rates, and tighter terms. When it comes to loans, even a one or two percent increase in your rates can be extremely expensive over time.”This is why people with bad credit and zero savings often end up relying on short-term no credit check loans (like payday loans, cash advances, and title loans) to bridge unexpected financial shortfallsâ€"loans that can all-too-easily leave them trapped in a dangerous cycle of debt.2. Car ownership.Unlike unsecured personal loans, online loans, and credit cards, auto loans involve collateral. Specifically, they use the car or truck that the loan has been taken out to purchase. The presence of collateral means that these loans are easier to qualify for, even if you have bad credit.Still, bad credit means that you will stand a much higher chance of being declined for the loan. And even if you are approved, you will once again face higher interest rates and more restrictive terms. Due to the larger principal amounts and longer terms for auto loans, this could mean paying thousands and thousands more in interest.3. Buying a home.“At worst a bad credit score will prevent you from securing a mortgage,” said CFP Patricia Russell, founder of the personal finance blog  FinanceMarvel. “And at best, even if you do secure a mortgage, you will be paying a much higher interest rate compared to someone with a better credit rating.”For first-time homebuyers, a credit score of 580   is needed to secure a Federal Housing Administration (FHA) mortgage loan with as little as 3.5 percent down. If your credit score is between 500 and 579, youll have to put 10 percent down in order to secure that same loan.While a 580 score is much lower than the score one would need to qualify for an unsecured installmen t loan, there are many borrowers would still be unable to meet it. For them, the dream of home ownership might be beyond their grasp, all because they have poor credit!4. Car insurance.Most people understand that their access to affordable loans and credit cards pretty much depends on their credit score. But here’s another less widely known way that bad credit can increase a person’s cost of living: Car insurance!“A poor credit score will result in a higher premium as insurance companies run a credit check,” said Russell. And why is that? Russell went on to state that there is evidence linking lower credit ratings and higher claim rates.Insurance companies actually use something called your “credit-based insurance score” to predict how many claims you’ll be likely to file. And according to a 2007 report from the Federal Trade Commission (FTC), these scores do a pretty great job:“Credit-based insurance scores are effective predictors of risk under automobile policies. They are predictive of the number of claims consumers file and the total cost of those claims. The use of scores is therefore likely to make the price of insurance better match the risk of loss posed by the consumer. Thus, on average, higher-risk consumers will pay higher premiums and lower-risk consumers will pay lower premiums.”While your credit-based insurance score isn’t exactly the same thing as your FICO score, the two are quite closely linked. If you have poor credit and you’re applying for car insurance, you should brace yourself for a larger bill!5. Renting.It’s a fair bet that the biggest bill you encounter every month is the bill for your place of residence. If you own a home, that’s your mortgage payment. If you don’t, then it’s your rent. Either way, your credit score is going to come into play. When you’re applying for a new apartment, most landlords are going to check your credit score.Like lenders, landlords don’t want to rent to people who cannot pay their bills on time. And since payment history makes up 35 percent of your total FICO scoreâ€"more than any other single factorâ€"poor credit will make many a potential landlord leery.If you’re applying for a new apartment and you know you have lousy credit, there are steps you can take. The most helpful step of all is to offer a larger security deposit: Instead of one month’s rent, for instance, maybe you offer to pay them two months rent. You’ll still end up having to pay more due to your bad credit, but at least you’ll have a place to live.6. Cell phone contracts.If you’ve applied for a new phone contract recently, you might have noticed that they checked your credit before approving your application. That’s right: Bad credit can even affect how much you get charged to talk (and more likely, text) on the phone!“One of the lesser known effects of bad credit is that it can make it very difficult to obtain a contract with a phone service provider,” explained Daya n.”This may not have been a problem in the past, but these days when your cell phone is your connection to the entire world, it can be a huge handicap.“Similar to landlords, service providers like to know that you will be able to consistently pay for your service and cover any additional charges you may rack up. If you have bad credit then you will likely have to resort to more costly options like security deposits and prepaid plans.”The answer here is similar to the answer for renting an apartment, as youll probably be forced to pay more for the phone up front. Beyond shopping around for the best deal, it might be a good idea to ask your friends and family members if one of them is willing to co-sign your phone contract.7. Starting a business.“Many entrepreneurs need a loan or line of credit to get their business idea off the ground, but as a small business owner, your personal credit will impact your ability to get a loan for the business,” said personal finance blogger Marc Andre of  VitalDollar.com (@vital_dollar).“Poor credit could prevent you from being able to qualify for the business loan, and you may have a hard time getting the funding that you need to start the business.” So if you’re looking to pay down some extra debt in hopes of boosting your score, an unincorporated side hustle might be the way to go.8. Getting a job.“It can be tough to secure employment, as many jobs in upper management will require a good credit score (especially in the financial sector). A bad credit history will greatly reduce your chances of securing a job,” said Russell.Pre-employment credit checks count as a hard inquiry, which means that an employer will need your permission in order to run one. In certain statesâ€"and the District of Columbiaâ€"an employers ability to run credit checks on potential (and current!) employees is limited.While a pre-employment credit check could prevent you from getting hiredâ€"or could lead to you being fired from a job you already haveâ€"these inquiries slightly more rare outside of the financial sector and jobs that require handling a lot of money. But don’t forget: Some bad information from your past doesn’t require a credit check. A quick Google search will do just fine.9. Utilities.Not many people are aware that a poor credit score can result in higher costs of utilities like electricity, water, phone, and cable,” said Russell. “These are in essence short-term loans as you receive the benefits of the service before you pay for them.”“Utility companies will always run a credit check when you sign up to and anyone with poor credit may be required to pay a deposit of several months worth of services,” she added.And while many utility companies will refund that deposit after a year of on-time payments, some will require a letter of guarantee: Basically, someone with good credit has to co-sign your gas bill!10. Strain on your relationship.If you think that the effects of bad credit a re limited to only matters of your pocketbook, think again. Bad credit andâ€"and sometimes bad credit loansâ€"can negatively affect your dating life. And the more serious the relationship, the more damage a bad credit score can do.“The impacts of poor credit, like higher interest rates and missing out on job opportunities, can lead to a lot of stress and sometimes to financial difficulties,” said Andre. “These situations put added strain on marriages and other relationships. In this case, the indirect results of credit troubles can be much worse than the direct results.”Maneuvering through life with a bad credit score is like trying to use your phone’s GPS right after you dropped it in the pool: Getting where you want to go is a lot more difficult than it should be, and the many detours you’re sure to encounter are going to be a real hassle. To learn more about how you can improve your credit score and seize control of your financial future, check out these related posts and articles from OppLoans:How to Raise Your Credit Score by 100 PointsBuilding Your Financial Life: Budgeting for BeginnersSave More Money with These 40 Expert TipsEmergency Funds Are Important: Here’s How to Start Building OneDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN  |  InstagramContributorsMarc Andre is a personal finance blogger at  VitalDollar.com (@vital_dollar), where he writes about saving money, managing money, and ways to make more money. His goal with Vital Dollar is to help individuals and families get the most out of the money they have and to reach their full financial potential. He lives in Pennsylvania with his wife and their two kids (a son and a daughter).Jacob Dayan is the CEO and Co-Founder of  Community Tax, LLC (@communitytaxllc) and  Finance Pal, LLC. He began his career in Wall Street New York at Bear Stearns wo rking in the Financial Analytics and Structured Transactions group. He continued to work in Wall Street until early 2009. When he then left New York and returned to Chicago to be with his family and pursue his lifelong dream  of self-employment. There he co-founded Community Tax, LLC followed by Finance Pal in late 2018.Patricia Russell is a Certified Financial Planner (CFP) and the founder of the personal finance blog,  FinanceMarvel, which provides free financial advice on managing credit, debit and savings. Patricia has more than 10 years experience in helping families and individuals take control of their personal finances and achieve financial independence.