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You may also wish to download the handbook (available in both English and Bahasa Indonesia languages). HSBC Holdings PLC (ADR) (NYSE:HSBC), after introducing pay and hiring freeze on January 29, 2016, has finally step backed from pay freeze decision but planned to maintain the hiring freeze for the year 2016.
The pay will continue to rise for HSBC staff, funded by the bank’s 2016 variable bonus pool, which was originally designed to pay bonuses next year.
For the current year, it plans to maintain the hiring freeze, which means that the company expects more expense from hiring than from pay raise. According to a report by South China Morning Post, HSBC’s hiring for Hong Kong and the Pearl River Delta of China will continue in FY16, despite a hiring freeze announcement by the bank.
Just like HSBC, UBS also went for pay freeze for its investment banking wing, two days back. UBS has increased its focus on wealth management and plans a significant expansion for that division in China.
Ask your parents to lower the thermostat, so your furnace won’t have to work as much to keep your home warm. If your family isn’t doing so already, switch from using regular old light bulbs to energy-saving ones called Compact Fluorescent Lamps (CFLs.) These are the bulbs with the swirly design that you might have seen in stores or in other people’s houses. Help us maintain a healthy and vibrant community by reporting any illegal or inappropriate behavior that violates MSN’s Code of Conduct.
According to, more than 70 percent of sockets in America still contain the old, inefficient incandescent light bulbs. In most houses, lights get turned on and off quite frequently, especially if you have children. Below is a pie chart showing the percentage breakdown of water use for each activity in a typical household. Players can learn about the water saving habits and are prompted to look out for water leakages in public places.
Business Finance News believes that the bank was under pressure back in January from the drastically declining economic conditions around the globe, due to which it decided to go for a pay and hiring freeze.
Companies incur significant operational expenses when they post job openings and conduct recruitment drives.
The hiring freeze decision can be linked to dipping oil prices and decelerating Chinese growth; growth expectations for Britain this year are also low.
Most of the European Banks posted poor earnings results for the fourth-quarter of fiscal 2015 (4QFY15), and they are under pressure to cut costs to increase profitability.
UBS believes that market turmoil is an ideal condition for wealth management business, as wealthy clients are looking for good advice to manage their money. In addition to powering up lights, electronic items and appliances, your home also needs electricity for hot water.
The same goes for turning off TVs, computers and other electronic devices when you’re done using them.

That’s a vast improvement from the 2 percent we saved in May 2005 but a far cry from the double-digit rates in the 1960s and ’70s.So how do we save more? It’s also the ideal time to prep your home for rising summer cooling and lighting costs.
Environmental Protection Agency (EPA) averages most families spend roughly $1,900 a year on electricity. They’ve challenged America to change just 20 million light bulbs to energy efficient light bulbs such as LED light bulbs in 2014. A lot of parents deal with the bedtime light war when their children are constantly turning the lights on after the parent turned them off. However, due to the cash rich position of the bank, it believes that keeping its employees motivated would be better so that they can contribute more in pulling HSBC out of trouble. In an economic environment of prolonged low interest rates, profit making opportunities remain specially low. Business Finance News believes that if HSBC plans to hire in China for FY16, then they should focus on the expansion of wealth management business. HSBC’s decision to go for no hiring in FY16 will result in fewer operational expenses and might prevent it from having similar fate as that of UBS. Your home’s furnace and air conditioner use electrical energy to make sure you and your family stay warm in winter and cool in summer, too. While you can’t avoid using electricity, you and your family can do things that will lower the amount you use.
Even just turning the thermostat down by a few degrees will lower the amount of energy your home uses and save your family money on heating bills.
The less water you and your family use, the less electricity the water company ends up needing. The next time a bulb stops working in your home, ask your parents to replace it with a CFL. Yes, we all know we should cut cable and drop the morning mochas, but those suggestions seem like work, right?Rather than make saving a chore, make it a game instead. So the first week, you put $1 aside, the second week it’s $2, and the last week of the year, you save $52. Switching from incandescent bulbs to LED bulbs can decrease your energy use and reduce your energy costs.
An extraordinary balance of elements come together allowing life to form and thrive on this planet.
Use these easy-to-follow spring cleaning, organizing, and decorating tips for a cost-saving summer.
See the infographic below to learn how a small change like switching to energy efficient light bulbs can mean to our environment and your wallet. But according to the latest research on cost effective lighting, you might be better off giving up on the light switch war and just leaving the lights on, especially since many lights are rated according to the number of times they are turned on and off.

You can use less water by taking short showers and not leaving the water running when you brush your teeth. It’s our legacy to protect this unique planet for future generations by reducing greenhouse gases. Adjusting a handful of factors, such as choosing the right light bulbs, will save your wallet and the environment big time. Turning the thermostat up a few degrees means the air conditioner won’t run as much, which helps save energy. By the end of the year, you should have $1,378 in the bank, maybe a little more if your savings account gives you a smidge of interest.Of course, you can always customize this. Learn how using these efficient lighting, fan, cutting excess, driving and gardening tips can reduce this generation's carbon footprint. We will break these energy efficient heating and cooling tips into winter, summer and anytime categories.
Or if you’re worried about running out of steam by the end of the year, you could start with $52 for the first week and then work your way backward.2.
Put your change in a jar and then roll it up at the end of the month and deposit it into your savings account.If your finances allow, you can take this savings strategy one step further.
Spend only bills that are $5 or larger and put the $1 bills in your savings change jar, too.3. Some banks offer options that essentially do the same thing as placing your change in a jar.
For example, Bank of America’s Keep the Change program rounds up debit card purchases to the next dollar and then transfers the change to a linked savings account.You don’t need a special bank program to do this.
As you record your daily transactions, round them up to the nearest dollar or, if your disposable income allows, the next $5.
At the end of the month, when you reconcile your bank account -- you do balance your checkbook, right?
The next time you score an awesome price, put the difference between the regular price and the sale price in the bank.Do the same with your coupon savings at the grocery store. Many retailers will even very conveniently include your total savings on your receipt.This strategy can have the double impact of not only helping you save more but may also lead you to shop less. If you can pay your bills on your current income, you can simply send all that extra money straight to savings. The same goes for bonuses, cash gifts or other unexpected windfalls.This method is especially easy if your employer allows you to directly deposit your paycheck to multiple accounts.

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