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Here’s my job history as a software developer:IBM (2005 - 2007)Salary : 2.5 LPA (when I joined) - 4.0 LPA (when I left)Location: PuneHow I joined : Through campus placements. Graduated in Electrical Engg from one of the older NITs in 2005. Unfortunately the administration back then preferred quantity over quality (things have changed now for the better) - so the bulk recruiters were given first preference. Skipped Infosys and TCS (the first two companies), realized that 50% of my batchmates are already placed, panicked and opted for the third firm (IBM) and got placedExperience: People around me at the job were largely mediocre with barely any ambition beyond going ‘onsite’. The company had plenty of resources for learning though. Treated the job as an extension of college where I am paid to learn instead, went on a learning and certification spree and moved on after 2 yearsLehman Brothers (2007 - 2008)Salary: 7.0 LPA (when I joined) - 7.5 LPA (when the firm went bust) + bonusLocation: MumbaiHow I joined: Uploaded my resume and created a profile on Naukri. Lehman Brothers approached me.Other offers that I had: Merill Lynch, Goldman Sachs, BNP Paribas, Deloitte, Tibco. Goldman was paying the most (not significantly more though) but preferred to join Lehman instead because I liked the people who interviewed meExperience: People around me were really good at what they did and definitely a notch above the kind of developers I worked with at IBM. Only pain point was that there was little sense of ownership and most decisions were driven from USNomura (2008 - 2012)Salary: 7.5 LPA (when I joined) - 15 LPA (when I left) + bonusLocation: MumbaiHow I joined: As everyone knows, Lehman went bust and filed for bankruptcy in Sept. 2008 less than a year after I joined. Started attending interviews. Few days later, Nomura announced that it will take over Lehman’s Asia Pacific and Europe businesses.Other offers that I had: PwC. PwC was just matching my current package. Decided not to move as Nomura taking over Lehman meant that I would continue to be working with the same set of people and continue to live in my comfort zone.Experience: Continued to work with same set of people who worked with me at Lehman. The work was amazing. For almost 3 years continued to develop systems and applications from scratch. Work life balance was great too. On 9 out of 10 days, I would reach office at 8:30 am and leave at 5:45 pm. Hikes and bonuses were great too. However things stated to change around late 2011 - there were cost cutting pressures all round.Barclays (2012–2014)Salary: 18 LPA (when I joined) - 22 LPA (when I left) + bonusLocation: PuneHow I joined: Uploaded resume and started looking for jobs. Barclays had just recently opened up development centre in Pune and was looking for people with capital markets background. They approached meOther offers that I had: Goldman Sachs, MSCI, JP Morgan Chase, Pega, Bank of America. MSCI was paying the most but joined Barclays as I preferred Pune (where y girlfriend was living)Experience: A step down from Nomura. Too many managers from IT Services background who ran Barclays almost like an IT services shop. Work life balance was great though.Goldman Sachs (2014 - 2018)Salary: 29 LPA (when I joined) - 37 LPA (when I left) + bonusLocation: BangaloreHow I joined: Got married to my girlfriend (ex colleague from IBM) in 2012. However, within 7–8 months it was clear that we had very different ideas about ideal life. By 2013 end, we were living like strangers in the same house and were barely communicating. Eventually we decided to call it quits. I wanted to move somewhere else and start life afresh. Goldman Sachs conducted a hiring event in Pune for their Bangalore office.Other offers that I had: Citigroup, Morgan StanleyExperience : People were smart so it was a great experience learning from them. Work was really hectic and 11 hour days were the norm (with at least 2 hours on the phone everyday). Overall very positive experience despite the hectic workload.Citi (2018 - till now)Salary: 118,000 CAD (when I joined) - 125,000 CAD (now)Location: Toronto, CanadaHow I joined: Read about express entry immigration program to Canada. Figured that I had nothing to lose and if things don’t work out, I can always come back. Applied and got an invite three months down the line as my points were above cutoff. Came to Canada for a week, finished landing formalities and went back. In summer of 2018, resigned and moved to Toronto (without a job in hand). Applied for job(s) and got interview call from Citi within a weekOther offers that I had: HSBC, Royal Bank of CanadaExperience: The biggest positive is that now I am in the same time zone as the business and hence there were not after work calls spanning 2 hours everyday. The extra time saved enabled me to go back to college and attend classroom based data science and AI certificate programs at University of Toronto. Done with both and now planning to apply for an online masters program on Coursera. Getting lots a calls from recruiters for positions with banks in New York (who are willing for file for TN visa) but cant go ahead with them as I am not a Canadian citizen yet. Will be eligible for Canadian citizenship mid 2021 and maybe explore those options in 2022.

Somewhere in the 1760′s, a Jewish-German man who goes by the name Mayer Amschel Rothschild and his 5 male children decided to create a banking business.And because the man Rothschild was one of the very few Jews allied with the German Royals (and also because he managed most of the money for them), he and his 5 sons were able to have social privileges such as living at court or outside of the Jewish ghettos, while being able to spread their influence over much more than just a small ghetto.(photo: a Jewish ghetto, during the 1700′s.)When the French revolution rolled in around 1789, which is when the French monarchy was overthrown and sent to the chopper (or the guillotine), the Rothschild banking empire benefited tremendously from the French Revolution. The Austrians during the French revolution asked the newly established Rothschild to help equip the Austrian army with guns, uniforms etc., etc., etc.Rothschild, realising he could make more dough with other countries rather than the Austrians, sent his 5 sons to live in the grandest cites of Europe, such as Paris, Vienna, London and Frankfurt, not so his sons could have a holiday, but so they can spread the Rothschild banking industry world wide (or European wide, because back then Europe was considered the world.)With Rothschild’s 5 sons now in the most important places in Europe (at that time) led to the first bank to be in another country. Rothschild bank lending to governments to finance war operations over several centuries provided the Rothschild family with ample opportunity to accumulate bonds and build additional wealth in a range of different industries.But in 1811, after almost a couple decades working with the European top governments, the original Rothschild, Mayer Amschel Rothschild dies, but luckily, he has given his 5 sons strict instructions on how he wants his bank to be run so that the bank won't collapse after his death.He also told his sons to get married, so that his line of descents will run the banks, and not some random hippie (no offense to hippies, of course.) Which is one of the reasons Rothschild is still a family bank after all this time, and also the reason why Rothschild family tree is so massive.After Rothschild’s death, one of his sons, Nathan Mayer Rothschild, became the most successful. He was also much more generous than the others because he made many charities, and funded many schools such as the Jews’ Free School in London. Furthermore, he ran public libraries, orphanages, hospitals, homes for the elderly and special funds allocated for the purpose of education.Educational efforts in Austria, France and Israel were also made possible through Rothschild generosity. In addition to money put toward education, the family gave an estimated 60,000 pieces of artwork to numerous organizations. The Rothschild family expanded the creation of social housing in the cities of London and Paris, and the Rothschild Foundation was created to further these efforts.But in the early 20th century, the Rothschild empire was hit hard. The world wars, the political mayhem, and family problems diminished the family fortune over the next 100 years. The Naples branch of the bank had closed in 1863 and a lack of male heirs led to the closing of the Frankfurt branch in 1901.And worse was to come. When the Nazis took Austria in 1938, the Rothschild bank in Austria fell completely. The Vichy government in France expropriated Rothschild Bordeaux properties during the war and the Nazis confiscated millions of dollars’ worth of art, jewels and precious objects from the Austrian branch of the family.Over the years, palatial Rothschild estates were gradually donated to the British and French governments and to other organisations and universities, since the Rothschild’s didn’t really need them any more, and also because they were wasting the Rothschild savings.After the fall of Nazi Germany, only three banks remained under ownership of the Rothschild’s. These were the London and Paris branches, and a new Swiss bank founded by Baron Edmond Adolphe de Rothschild, who died in the 1970s.But luckily for the Rothschild’s, in 1982, Francois Mitterrand’s socialist government dealt with the Paris bank fatal blow, nationalising it and renaming it Compagnie Européenne de Banc. Edmond Rothschild and Francois Mitterrand’s were actually relatives, so the Rothschilds helped Francois Mitterrand’s new socialist government, and ended up creating the Rothschild & Cie Banque, which became France’s second largest merchant bank.(Photo of Francois Mitterrand’s, leader of socialist France.)Today, Rothschild, after the family wealth has been divided among many descendants and heirs throughout the years competing with each other, Rothschild holdings span a number of industries, including financial services, real estate, mining, energy and charitable work. The family also owns more than a dozen wineries in North America, Europe, South America, South Africa and Australia.Most family members are employed by corporations directly or are invested in operations that generate family wealth. The remarkable success of the family has largely been due to a strong interest in cooperation, being entrepreneurs, and the practice of smart business principles. The estate of Nathan Rothschild was intimately tied to the other fortunes of the family and became part of the collective wealth each Rothschild passed to the next generation.Rothschild descendants continue to finance global business operations and contribute to scholarly, humanitarian, cultural and business endeavors.And that is the story of the Rothschild’s, the wealthiest banking family ever.

With all due respect I looked at the most popular answer and was truly horrified.Government wins the support of the island's creditors for debt restructuring plan - Barbados TodayOur largest bank in Canada, RBC recently fell under my radar and I ended up dealing with their lead counsel a nice gentleman with a bow tie with a doctorate in law and a practicing lawyer no less, but IMO with less common sense than God gave to a bug.When I pointed out that at its fundamental level, money is imaginary! there was much hand wringing about “well that is not really true…blah blah blah…”When I also pointed out, banks can lend out TEN yes TEN TIMES what they have on deposit!!!!, he had the good grace to chuckle.Imagine, just imagine a company like Ford or Honda being able to do that, get paid for TEN more cars than they actually made?Or look at companies, who are their most basic level sell information…. yes Microsoft…..with virtually no associated production costs compared to the retail value of the product.Owners of companies like that, end up setting organizations to give away billions of dollars in profits, and are still faced with being stuck with billions.About 30 years ago, my partners credit card was stolen at her gym and I invented a security system to prevent credit card fraud… ZERO INTEREST and a mere 30 years later it is finally the defacto norm.Banks, from what I could see, simply did not care about their customers being totally ripped off. After all they were paying 1–1.5% interest on deposits and charging interest on THEIR most secure loans mortgages for example or lines of credit of 10% and on credit cards even those secured by HOUSES up to TWENTY EIGHT yup 28%.Remember again, those differentials are further augmented by being able to lend out TEN TIMES what you have on deposit YAHOO!!!Honestly, the less private banking we have in future the better.Bitcoin is the first evidence that is truly compelling that money is a TRADE MECHANISM and should never be a way to make monoey in the billions JUST BY HANDLING OTHER PEOPLE”S IMAGINARY REPRESENTATION OF THEIR ACTUAL WORTH….RIP OFFRoyal Bank of Canada - WikipediaCloser scrutiny provides a real insight into what was likely profitable in 1864??The bank was founded in 1864 in Halifax, Nova Scotia, while its corporate headquarters are located in Toronto, Ontario.[4][2] RBC's Institution Number (or bank number) is 003. In November 2017, RBC was added to the Financial Stability Board’s list of global systemically important banks.The next side note is likely more revealing:In 1864, the Merchants Bank of Halifax was founded in Halifax, Nova Scotia, as a commercial bank that financed the fishing and timber industries and the European and Caribbean import/export businesses.[11]I sincerely believe one can draw their own conclusions about what usually makes the most money for a commercial bank!Passed by Congress on January 31, 1865, and ratified on December 6, 1865, the 13th amendment abolished slavery in the United States and provides that "Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, orSource: 13th Amendment to the U.S. Constitution: Abolition of SlaveryLastly from Wikipedia we can see a “Canadian” bank investing just about everywhere BUT CANADA yet with my countries name in their Logo! OUCH!I have bolded aquisitions and the equivalent of denial of service when I suspect annoyed countries said “HONESTLY PLZ GET THE HELL OUT!!!!”International expansion1882 - Merchants Bank of Halifax opened an office in Bermuda.1899 - RBC opened an agency in New York City and a branch in Havana.1903 - RBC bought Banco de Oriente de Santiago de Cuba. By the mid-1920s, RBC had 65 branches in Cuba and is the largest bank in the country.1904 - RBC bought Banco del Commercio de Havana.1907 - RBC opened a branch in San Juan, Puerto Rico; branches in Mayagüez and Ponce followed.1909 - RBC established a branch in Nassau, Bahamas.1910 - RBC opened a branch in London and acquired branches in Puerto Rico and Port of Spain, Trinidad as a result of its acquisition of Union Bank of Halifax.1911 - RBC opened an agency in New York City, and branches in Bridgetown, Barbados, and Kingston, Jamaica.1912 - RBC bought Bank of British Honduras (incorporated in 1902 by United States citizens from Mobile) in British Honduras, which it converted to a branch.RBC opened a branch in the Dominican Republic; three more follow.1913 - RBC opened a branch in Grenada.1914 - RBC bought out Bank of British Guiana (est. 1836), in British Guiana, and converted it to a branch.1915 - RBC opened branches in Costa Rica, Antigua, Dominica, and St. Kitts.1916 - RBC opened a branch in Venezuela.1917 - RBC opened branches in Antigua, Dominica, St. Kitts, Montserrat, Nevis, and Tobago.1918 - RBC opened a branch in Barcelona, and another in Vladivostok that lasted less than a year.1919 - RBC opened branches in Brazil, Argentina, Uruguay, Paris, Martinique, Guadaloupe, and Port-au-Prince, Haiti.1920 - RBC opened a branch in Colombia and a branch in Castries, St Lucia.1923 - RBC bought and consolidated the banking operations of Pedro Gomez Mena e Hijo in Cuba.1925 - RBC opened a branch in Peru, and acquired the American-owned, and failed, Bank of Central and South America. The purchase of BCSA brought with it subsidiaries, and their branches, in Colombia, Costa Rica, Peru, and Venezuela1932 - RBC closed its branch in St. Lucia.1940 - RBC closed its branches in Martinique and Guadaloupe.1959 - RBC opened a branch in St. Vincent.1960 - RBC returned to St. Lucia.1960 - Fidel Castro's regime acquired the RBC's operations in Cuba on 8 December.[12] At the time of the forced sale, RBC had 24 branches in Cuba. From 1961 to 1965, RBC maintained a Special Representative in Havana to facilitate trade between Cuba and Canada. Actually, the Special Representative's primary function after the failed Bay of Pigs invasion in April 1961 was to act as a financial intermediary between the American and Cuban governments to manage the ransoming of the prisoners for food and agricultural machinery.1964 - RBC opened a branch in George Town, Grand Cayman.1970s - As a result of Law 75, RBC's operations in Colombia became Banco Royal Colombiano.1973 - RBC was forced to incorporate its operations in Jamaica, which became Royal Bank (Jamaica).1980 - RBC purchased Banco de San Juan in Puerto Rico, adding its 14 branches to the six that RBC already had in Puerto Rico. :RBC sold to Republic Bank of Trinidad and Tobago, its assets in Grenada.1985 - RBC started to withdraw from much of the Caribbean.It sold its 12 branches in the Dominican Republic to Banco de Comercio Dominicano.It also sold its stake in Royal Bank (Jamaica) to Jamaica Mutual Life Assurance.The Government of Guyana nationalized its operations there and renamed the bank the National Bank of Industry and Commerce Ltd.[20][21]Additionally RBC incorporated its operations in Trinidad and Tobago locally, floating the shares, thereby divesting itself of ownership. The new bank took the name Royal Bank of Trinidad and Tobago (RBTT).1986 - RBC sold its two branches in Haiti to Societe Generale Haitienne de Banque, a local bank.1987 - RBC sold its operations in Belize, ex-British Honduras, to Belize Holdings Inc., which renamed them Belize Bank.1993 - RBC sold Royal Bank of Puerto Rico to Spain's Banco Bilbao-Vizcaya.1995 - RBC sold Royal Trust Bank (Austria) to Anglo Irish Bank, which renamed it Anglo Irish Bank (Austria).2000 - Acquired Dain Rauscher Wessels, a U.S. brokerage and investment banking firm based in Minneapolis, Minnesota2001 - RBC acquired Centura Bank based in Rocky Mount, North Carolina.2003 - RBC purchased Florida interest in Provident Financial Group, Cincinnati OH.2006 - RBC upgraded its representative office in Beijing, China, to a branch.2006 - Created an institutional investment joint venture with Dexia. The 50/50 partnership operated under the name RBC Dexia Investor Services.[22]2008 - RBC established a representative office in Mumbai, India. RBC re-acquired 98.14% of the shares of Royal Bank of Trinidad and Tobago. This brought RBC back to Trinidad and Tobago some 20 years after it had withdrawn and provided it with a presence in other islands served by RBTT.2011 - RBC sold RBC Bank to PNC Financial Services for US$3.62 billion. PNC ATMs are now used by customers with RBC Bank (Georgia), N.A. providing Canadians with bank options when they are residing in the US.2012 - RBC completed the acquisition of Dexia's 50-percent stake in RBC Dexia Investor Services Limited, making it the sole owner of the newly named [RBC Investor & Treasury Services].[23] RBC also opened a Branch in Wilemstad, Curaçao.2014 - RBC "entered into a merger agreement to acquire City National Corporation", a major U. S. bank.[24]2015 - RBC agreed to sell its Swiss private bank Royal Bank of Canada (Suisse) SA to local rival SYZ Group. Terms of the sale were not disclosed. Royal Bank of Canada (Suisse) manages CHF 10-billion (USD $10.5-billion, CAD $13.4-billion) of assets for clients in Africa, the Middle East and South America.[25]2015 - RBC completed the acquisition of City National Bank (Nov)Logo