Banks make profits by giving loans to people on a higher rate of interest than what they pay to depositors. There is a massive difference in banks collecting and spending money. Non-interest income; is an option that banks use to double their revenue even during low interest rates. This method includes charges such as transaction fees, overdraft charges, trading fees and a list of other sources that can generate a significant amount of revenue for some banks. Investing in bank stocks has been a trend in place for more than 200 years in the financial industry. A few countries have also experienced significant bank panics for several years.

Let’s Find Out Top Three American Banks that Rank the Highest In terms of Stocks by Market Cap.


  1. JP Morgan Chase

As known as the largest bank in the U.S. with assets over $2.6 trillion, JP Morgan ranks the first in the list. JP Morgan was founded in 1799 and headquartered in New York.


  1. Bank of America

Founded in 1874, in Charlotte, North Carolina; Bank of America is one of the country’s largest banks with more than $2.2 trillion in assets, 4,500 business units, and 16,000 ATMs.

Bank of America

  1. Well Fargo

This bank was founded in 1852 and headquartered in San Francisco, California. Following JP Morgan and Bank of America, Well Fargo has assets over $1.9 trillion.


Here are the Top Factors that You Must Consider if You are Planning to Invest in Bank Stocks

  • First, you must consider understanding the history of bank stocks. It is essential to do your homework to gain knowledge over its ups and downs. The value of your cash can either double or dip at the same time. As mentioned earlier, this sector has witnessed significant drops several times that remained the same for so many years, leaving the investors in trouble.
  • Return on equity (ROE) is another crucial factor to be considered. ROE is nothing but how much profit a company generates as a percentage of shareholder’s equity. More ROE means more efficiency of a company putting shareholder’s equity to work.
  • An easy way to measure a bank’s profitability is the net interest margin (NIM). It is nothing but the difference between the interest a bank receives and the interest a bank pays in terms of its total-interest-generates assets. A NIM of at least 3% or more means that the bank is profitably managing its assets.
  • Besides evaluating a bank’s profits, it’s also necessary to know how good is a bank in terms of generating income. Efficiency ratio can be calculated by taking the bank’s operating costs (non-interest expense) and dividing it by the net revenue.
  • Make sure to do thorough research on how the coverage ratio of the bank looks like. Every bank can’t recover the loan amount which they have paid. So, it’s necessary to get this checked before you plan to invest in a particular bank’s stocks.

COVID-19 has taken a toll in every part of the world, and countries are striving hard to take measures to limit the spreading. Lockdown and self-quarantine has affected our daily food practices. Proper nutrition is vital for everyone. During the coronavirus days, one must eat healthy food to fight back the unwanted guests invading our body. Eating vegetables and fruits is a healthier option during these unusual stress times. Let’s read some of the tips to keep in mind to reduce stress during COVID-19 days.

Healthy Eating

A Better Healthy Eating Approach During Tough Times

  • Consume pumpkin seeds. Pumpkin seeds are rich in potassium. Ingesting these seeds controls blood pressure and manages electrolyte balance.
  • Eating fatty fish helps to calm your nerves. Fatty fish contains Omega-3 and is a hub for controlling neurotransmitters. Consuming fatty fish eliminate inflammation and increases brain functionality.
  • Gobbling Brazilian nuts reduces stress due to a component known as selenium. It aids in minimizing inflammation and cell damage. Most of all, it contains anti-carcinogenic, which reduces the chances of getting cancer.
  • Chocolate, from time immemorial, chocolate is known to increase the dopamine level in your body. It is highly recommended by the doctors and other medical instructors to consume chocolate as it reduces stress. Dark chocolates are the best in this case.
  • Eggs contain vitamin D, protein, and amino acids. These amino acids release a happy hormone known as serotonin that helps to control your stress. A component called tryptophan is also present in eggs helping to relax your nerves.
  • Chamomile is a conventional tea therapy. It helps the body to control anxiety levels and urge you to sleep. It is also famous for its other capabilities like acting as an antioxidant, anti-inflammatory, and has relaxing properties.
  • Turmeric is a spice and has got properties like curing many infections of your body. A component named curcumin is present that helps to manage stress and anxiety-related issues.
  • Citrus and red bell peppers have a high amount of vitamin C, which helps to increase the immunity power in our body.


  • Chicken and turkey contain vitamin B6. It is very vital for our body as it increases immunity power. There is a limit for consuming any food as it might result in other health issues.
  • Oysters, mussels, and clams are rich in zinc, which has virus-fighting power. It also reduces anxiety, and in-turn increases immunity power in the body.
  • Lastly, yoghurt. Yoghurt contains lactobacillus and bifidobacterium that helps you to maintain a healthy digestive tract. Consuming yoghurt also helps to eradicate inflammation and stress.


Staying indoors is very challenging during COVID-19. You have to wash your hands, wear a mask, and apply sanitizers to protect yourself from the virus. Apart from these hygiene steps, you can get bored and get anxiety issues. During these tough times, prepare yourself by putting a little thought into healthy food choices that can lift your stress.

Technology is rapidly changing the way we live and collaborate, but education is trying to match up in the places it lacked in technology which can help one change the world. Education has eliminated the barrier of quality education to all across the world. There are many compiled key trends which the industry is experiencing at the moment.

Online education

Just like ticket booking, watching TV shows, ordering food is becoming online and so is education. The number of internet users is increasing rapidly, and with the increase in smartphones can provide for a good opportunity to help deliver education online. Online education is slowly and surely becoming more and more popular with the interest of working professionals to learn new things. The internet has given access to professional educators space where they can teach people interested in their home. There are many online courses which provide the offering courses which was autonomous, and private can have the right mass market, which can also have no limit with regulated segments.

Online Assessments

Digital and comprehensive online assessments

The success of education largely depends on the type of evaluation. Evaluating the students has allergy based on analysis of theoretical knowledge of the student. Students usually write theory answers in the exams and can be evaluated with another. Knowledge is not just stuck to the data available, and with this drastic change, one can see the impact of the era of the internet. Knowledge management and collaborations tools which can allow you to have the right institutes improve practical knowledge of the students. These tools can be more users which can allow you to have the practical knowledge to help improve with the technology. AI-driven assessment can help personalise the students and can be done using online examinations systems.

Blockchain technology

Blockchain technology is something which can include the dominate innovation, which is becoming increasingly popular by the day. There are many articles which are written on blockchain exploring the ways in which it can be collaborated, distributed based on information. Blockchain can be used in many areas which include examinations management, student credentials verification, etc. There is no way that there are third party authority, an employer which can allow one to validate to mark the degree obtained by the students. Blockchain technology can help eliminate the information collaborations, which can allow one to make less the mistakes. Blockchain technology can help one have the store digital copies of the student certificates in a distributed and collaborated environment. These are collaborative approach which can allow one to make many issues like loss of original degree certification or mark sheet. This will make sure that you have access to authentication of the student education records.


The first thing that comes to our mind while starting a business is nothing but money. Raising funds for business is the most important as well as the hardest factor to deal with. Financing options depend on the kind of business abilities that you have; including age, position, team, performance, market opportunities, etc. It’s not very easy to find investors if you do not have a great business plan and strategy in hand. Deciding to borrow some money as debt is quite common. That’s why in this article, we will take you through options that can help you with raising funds for your business.

Venture Capital

Let’s find out where to look for money.


  1. Venture Capital

The venture capital is also a kind of businesses that help other companies with funds. The people who are known as venture capitalists are individuals who are paid for investing others money. They have significant responsibility for reducing the risks as much as possible. They look for businesses that they believe to generate a good income within just a few years. Most of the times, venture capital is not a good option for startups as they are being considered as red zones. However, as mentioned above; if you have a fantastic business plan that can become successful within a couple of years, there seems to be a chance of venture capitalists helping you with raising funds for your business.

  1. Commercial Lenders

Startups and small business owners often complain about banks and financial institutions for not giving them a loan to start/grow their business. Banks are not allowed to invest in companies as they are strictly limited in this perspective by federal banking laws. You must be wondering, why did we add this option in the article, then? Let us explain to you why! Banks and financial companies commonly give loans by observing and calculating the company’s inventory or accounts. Usually, there are formulas to decide how much can be loaned depending on how much can be recovered. For example, you have to show them proof that you can pay their money even if you fail to grow your business.

  1. The Small Business Administration (SBA)

The SBA guarantees loans to startups as well as small businesses. However, it doesn’t lend loans directly; it connects you with commercial banks. Local banks usually administrate SBAs. To provide loans to startups, they usually require the owner itself supply at least one-third of the required capital. A reasonable business or personal assets must guarantee the rest of the amount.


  1. Friends and Families

Commonly, friends and parents come to our mind at first when we are out of cash. If you have friends and family members who are financially in a god position or who can lend you some money to start a business; this is the best option to make your dreams come true. However, it’s not always an excellent idea to borrow a massive amount of money from your friends or families as you are not sure about what your business can become after you start running it. If your business is running successful, they’ll be proud of you. Otherwise, you might end up losing your friendship or family bond.

George Floyd died on 25 May 2020 when a former police officer, Derek Chauvin placed his knee above his neck. The incident was highly condemned and criticized all around, and updates about the same are still emerging. According to the latest reports, the policeman ignored all of George Floyd’s plea by stating that it takes more oxygen to breathe. Looking into these reports only suggest the gruesome nature of the crime. So what exactly has changed and will we ever see a difference in the way we treat people of colour? Well, the best way to figure things out is to look into the aftermath of George Floyd’s death.

1. Global Protests

Apart from American, citizens from all around the world came out in solidarity to condemn the killing of George Floyd. Be it London, Tokyo or Auckland; everyone came forward in unity to speak about one message – Black Lives Matter. This was a significant move that highlights the fact that the current generation will not tolerate racist attacks and remarks. To make matters all the more interesting, one should know that there is a portrait of George Floyd on the side of a bombed-out building in Syria.

Global Protests

2. Companies and Organizations

Top companies and organizations from around the world also came forward in solidarity to pledge to support the Black Lives Matter movement. Organizations like Target, Walmart, Home Depot, EA Games also came in with donations in order to support the cry for justice. While all these organizations managed to stand with people, companies like L’Oreal Paris faced a lot of criticism as they dropped Model Munroe Bergdorf for posting about racism.

3. Derek Chauvin’s Latest Charges

Derek Chauvin, the man who placed his knee above George Floyd, is now being charged with murder and manslaughter. Apart from that, three other officers who were involved in the incident have also been charged for aiding and abetting murder. While this comes in as the cry for relief, there are other cases where officers have managed to escape without charges.

Police Departments

4. Changes in Police Departments

When it comes to changes within the police department, Minneapolis city council has come forward to ban actions like chokeholds and neck restraints. Moreover, unannounced police raids have also been eliminated from the picture in Louisville. This was a well-appreciated move that prevents the police force from using inhuman actions and other procedures.

5. Donations

Rapper and singer Kanye West set up a fund to cover the education expenses of George Floyd’s six-year-old daughter. Apart from that, donations also came in for George Floyd’s memorial fund, bailing out protestors and other similar activities. With all this in hand, top members from the silver screen also came in support to uphold the main principle of unity.