Archive for December, 2012

12.31
12

Plan Your Financial Future With A Sip Calculator

by como ·

Investing can be very confusing for someone who has zero understanding of the financial world and those who doesnt understand market fluctuations. There number of shares which area available in the market and selecting the ones which will earn profits, can be a little bit of a challenge.

This is why, a number of new investors view mutual funds as a better option. Here the funds of a number of investors are pooled together and invested keeping a financial goal in mind. A fund manager is in charge of deciding where the money should be invested. Hence, the investors do not have to worry too much about the same.

They can take comfort in the fact that a trained professional is looking after their finances and investing their funds in the right vehicles. But this requires capital, in order to make the initial investment. For people who do not have funds easily available, it would be best to choose a wealth creating medium.

With this in mind, the SIP is a good option. This translates to a Systematic Investment Plan. Here a certain amount of money is invested in mutual funds on periodic bases. The amount to be invested can be as low as five hundred Rupees.

When the agreement is set up, the investment amount, the frequency and the tenure of the plan is decided. Accordingly, the investor will have to deposit the decided sum of money with the asset management company, according to the clauses of the agreement.

This will then be invested into mutual funds. Maximum purchases are made when the value of the funds are low, in order to ensure maximum growth. In order to get an idea of how the fund will grow, it would be best to use the SIP calculators available of company websites.

There are a number of schemes available it is important to go through them all and to select one which meets the financial goal and will help in achieving it in as soon as possible. Once this is settled the different types SIP calculators can be used to determine how much you stand to earn.

The information to be entered includes the type of scheme, the amount to be paid in instalments, the frequency of the payments and the tenure of the scheme. Thus, returns will be calculated accordingly. The best part of this scheme is the fact that earnings are compounded and this goes a long way in the building up of capital.

This is a great way to start investing as it does not involve a large investment but rather regular affordable investments which can grow and prosper over time.

12.29
12

Multiple Vacancies Hallmarking 2013 Recruitment In Ssb, Ssc And State Bank

by como ·

These government jobs can be in the railways, health sector, postal department, general administration and many other places, which work in concert to run the government. Even banking jobs are also considered to be quite stable with good pay scale, commensurate to government departments. Armed forces form one other important job provider to the countrymen in India. this is a huge sector for employment generation because of the multiple branches that are associated with the defence departments.

SSC recruitments for govt posts

In order to fill up the vacancies in various government departments in Group C and D positions, the SSC or Staff Selection Commission is given the task of carrying out the recruitment process. With the SSC recruitment 2013, huge number of positions would be filled up in the Government of India. These are all central government jobs, with pay scales as per the central scale. Like previous years, there will be plenty of positions on offer for the candidates, and if they satisfy the eligibility criteria, then they can apply for these positions. Through the SSC recruitment, there are positions such as paramedical staff, stenographers, clerks, data entry operator, technical assistants, and many others, for graduates as well as for undergraduates. Many candidates are eyeing these vacancy recruitment advertisements because of the large number of posts in different government departments. Such huge vacancies have been coming up because of the efforts of the government to fill up all the posts and also because of the continuous phases of retirement from different departments. Whenever the recruitment drive is done through the SSC, a large number of vacancies are published at one go, as is being done presently for the Assistant Grade III in FCI, which amounts to about 6545 posts.

Strengthening SSB through recruitment drives

The recruitment drive for the SSB or Sashastra Seema Bal, which is a unit of the armed forces in the country, is also done in large numbers. This is a unit which is responsible for the guarding of the borders of the country, and also participate in rescue missions during disasters. To keep the force strong and working, there are regular intakes of new recruits, in posts ranging from the officers such as commandants to the head constables or the sub ordinate staffs. In SSB recruitment 2013, a lot of candidates will be taken into the Sashastra Seema Bal for further strengthening the work force of this section of the armed forces.

SBI as prospective employer

SBI or State Bank of India is the largest nationalised bank in the country, with branches almost in all the cities in the country. In the State Bank recruitment 2013, there will be more than 20,000 recruits to be taken up into the SBI branches as well as other associated banks. Such a huge intake of candidates would be done to fill up the incumbent vacancies arising out of the setting up of about 1200 new branches and because about 30 percent of employees would be retiring in the next 3 years.

The year 2013 would be a great opportunity for the aspiring candidates to join government services as well as banking jobs. In nationalised banks and through SSC exams, these posts can be filled up, provided candidates are interested and alert about the publishing of these recruiting advertisements.

12.24
12

AUTOMATED PHONE MARKETING

by como ·

AUTOMATED PHONE MARKETING

I have to tell you about this great marketing tool I just discovered. It is an automated phone marketing system, called Phone Broadcast Club. It is exactly what I have been looking for in a marketing tool. I am a small business owner and my marketing budget is quite small. So you can understand that I have conducted a lot of research in this area. When I found Phone Broadcast Club my search ended. I own a clothing consignment shop and I use this tool three separate and very unique ways.

First, every time I make a sale in my shop, I ask for the customer’s phone number. I put that number in my phone number data base. Then at the beginning of each month I record a new phone message of upcoming sales for the month. Then, using the sales phone number data base, I let the automated phone marketing system call prior customers to inform them of the monthly sale events.

Second, I have a data base of phone numbers for the people that have consignment accounts and record a 30 second message that pertains to the consignment aspect of the business. I let my consigners know what clothing types I am looking for, what isn’t selling and not to bring in, etc- The consigners really appreciate this because they know what to bring and not to bring before they even leave their home with an armload of clothes.

Third, I record a 30 second message discussing the store name, location, business hours and phone number. I give a brief summary of what my business is then tell them about a sale that I am having for the month. I use a phone number database that blankets certain geographical areas around my shop. Then I let the Phone Broadcast Club automated phone marketing tool do its thing!

This program spends all the time on the calls and I just sit back and enjoy the benefits of increased sales and less confusion in my shop! Using an automated phone marketing system is the most effective marketing tool I have used so far. I have tried radio, television, newspaper and marketing mailing campaigns and by far this automated phone marketing system has out produced the others combined! If you are looking for a new way to get your business out there, you have to try this!

12.23
12

Methods of waste management South Ayrshire

by como ·

Materials that are no longer useful or wanted by their owners can end up in many ways, depending on the decision made by their holders. Some can be used as a fuel source for heating, others as fertilisers for agriculture, some can be offered as gifts to the poor, if they can still be used, others can be recycled and transformed into new products.

The process of collecting, transporting and managing useless or unwanted materials throughout the South Ayrshire territory is named waste management South Ayrshire and is practiced because of three main reasons: to keep the hygiene at a high level, thus the health of all those living and visiting South Ayrshire, to protect the environment, and to give an appealing aspect to the area.

Waste management South Ayrshire is undertaken to reduce the effects waste could have on humans, animals, and plants. This is not a fad, but a necessity. Some waste materials are radioactive, others can spread deadly diseases, some destroy the soil, others have a negative effect on the aesthetics of a town or city, so keeping them under control is imperative.

One of the first methods of using waste is to transform it into energy. Lots of waste are used for producing organic fuels that are used, in their turn, to power turbines, factories, or other industrial facilities. At a smaller scale, they can be used to power your stove or fireplace; instead of consuming wood, residential users could place their old clothes or furniture into the flames.

But organic fuel is just one of the many possible uses of a waste material. People can use waste as another type of organic product as well, this time as organic food for soil. Recoverable materials can be easily decomposed and then used as fertilisers for agriculture. The best example in this case is represented by food scraps; yes, what is good for humans, is good for the soil too.

However, not all the waste materials can be burned and transformed into energy, or left to decompose in order to form a proper food for soil. In fact, some owners may not even want to use their waste products this way. In this situation, they can offer their waste to some of the most unfortunate ones, who live on the streets. Of course, in this category, we can include only waste materials that can be reused, not total nullities.

The last common method of waste management in South Ayrshire is represented by recycling South Ayrshire, which is the process of transforming old materials into new ones. The new products can be included in the same category of products as the old ones, such as plastic bottles, paper, polystyrene, or in totally different categories; as an example, the lead taken from car batteries can be used for creating bullets.

These methods of waste management used in South Ayrshire, from energy production and compost formation to giveaways and recycling South Ayrshire are all meant to protect the environment, everybody and everything living on Earth, as well as reducing the rate of consuming natural resources. Get involved in protecting the planet, and manage your waste properly. Want to give Earth a hand and protect it against remaining without natural resources? Consider contacting a waste management South Ayrshire company that can provide you with numerous ways of recycling South Ayrshire, from wood and aggregate recycling to clothing and metal recovering.

12.21
12

How To Become A Successful Investment Banker – Some Must Know Facts

by como ·

Today, many people are selecting investment banker as their profession. It is really an interesting job that can pay you with a good amount as compared to other professions. The salary of the investment banker can simply reach up to 500,000 dollars. If you also want to become an investment banker, then you should fulfill all the basic requirements that can make you eligible for this job. Well, I would like to tell you that well trained and eligible investment bankers can easily a good amount of money every month.

It is a fact that the job of investment banking is well enhanced with a vast scope. You can easily avail yourself with the opportunity to work with reputable persons. You can also enjoy various opportunities and facilities that are related to the mega money transactions. These transactions can easily enable the company to launch various products. Thee mega money transactions can also protect the company from the harmful consequences of bankruptcy.

The entry in the field of investment banking is really one of the toughest tasks. It cannot be accomplished easily. There are many people who do not get the best investment bank jobs despite of the fact that they are well enhanced with the best academic qualifications. You must always select for the best colleges and universities that provide high level training related to the investment banking jobs.

If you are well enhanced with the MBA degree of “A” grade and the designer qualifications from a reputable or high quality college, then you can simply get admission in the interview session of investment banking. All those people who are well enhanced with the quantitative courses in the student career are mainly preferred for this job. If you want to avail yourself with the job of investment banker, then you should develop your imaginative aptitude. It is just because quality matters a lot in this field.

You cannot expect a skyrocketing salary just after you have acquired this job. The initial days of this job can really prove out to be very hard and struggling for you. You may have to work for more than 100 hours a week. It simply means that you have to put in all your skills if you want to shape your bright future in this field.

I hope that this article will provide you all the necessary information about the investment banker that you require.

12.20
12

Sunglass Stores Industry Market Research Now Available From Ibisworld

by como ·

The Sunglasses Stores Industry has already begun its recovery from the economic storm. According to IBISWorld, the nations largest publisher of industry research, improving consumer sentiment and favourable demographics have helped bolster sales, benefiting companies like Luxottica Group and National Vision Inc. Revenue in the industry is expected to grow over the next five years which will be supported by higher projected household incomes and an improved sense of financial stability. For this reason, industry research firm IBISWorld has added a report on the Sunglasses Stores Industry to its growing Apparel & Accessories Stores report collection

Sales of sunglasses during the past five years have been particularly sensitive to drops in consumer confidence, as sunglasses are more of an optional purchase than prescription eye glasses. However, IBISWorld forecasts the sunglasses stores industry to rebound supported by higher projected household incomes and an improved sense of financial stability over the next five years.

Growth in the sunglasses stores industry will be driven by increasing awareness of the useful benefits and the style appeal of these accessories. Prior to the recession of 2008 and 2009, strong economic growth and easy access to credit enabled consumers to purchase sunglasses as a fashion accessory. The sunglasses market is typically distinguished by price and function, and classified into premium and value segments. According to IBISWorld analyst, Nikoleta Panteva, the premium segment has grown faster than the value segment in the five years to 2011. The fashion aspect also contributes to shorter replacement cycles and volatile sales, as styles and consumers’ financial capacity to spend change frequently.

To provide convenience for consumers, as well as to create brand awareness, sunglass stores aim to be located in high shopping traffic areas or near ophthalmic specialists. The industry remains fragmented through small retail chains and independent locations. Italian firm Luxottica Group and National Vision Inc. are the industry’s largest operators. Luxottica is a vertically integrated network of manufacturing plants, distribution operations and retail outlets. In the US Luxottica Group operates mainly through its Sunglass Hut and Oakley O locations.

Breadth and depth of product selection is also an important consideration. An appropriate product mix should tailor to match the demographic composition of the store’s market. Stores located in regions or states with a relatively higher income earning clientele should stock branded as well as private label frames, lenses, accessories and sunglasses. Additionally, stores are increasingly focusing on integrating services, such as eye exams, frame fitting, and purchasing advice to adapt to consumers’ demands for one-stop shopping.

12.19
12

4 Important Things You Should Keep in Mind to Find Reputable Financial Services in Your Area

by como ·

Investment in financial instruments is regarded as a
lucrative means of income-generation worldwide. Nevertheless, it is
suggested to seek advice from financial companies prior to making a
decision about finance problems and investment. You could make a plan to
make investment in mutual funds, bonds and stocks depending on your
time and funds of investment. You could also think of making investment
in the most of the other services, which readily remain available such
as buying an annuity or opening an IRA. In fact, wise decisions should
be taken to increase the profits for the long-run since there are always
possibilities of losses, particularly if you are an amateurish person
in the world of investments.

At present, there are lots of professional business
firms, which provide guidance to the individuals about financial
planning. They provide feasible and knowledgeable financial planning
advice to the clients. Below, four important things for finding
reputable financial services in your area are being mentioned.


Remember that a good financial company is that which proffers precisely
what you are searching for. You should go for that financial company,
which offers lots of services under one roof. You can get unparalleled
convenience and benefits when you avail various services from the same
company.Prior to finalization of the company, you need to check that the
company enjoys a strong presence in your area. While making choice
between various companies, you must keep into consideration the total
number of experience they have been into practice. If the financial
company has existed for years, then you can be sure that employees have
the requisite and necessary experience.It is pertinent to ascertain
whether the financial company that you choose in your area is licensed
by the government and other regulatory bodies of your country.


You could check on credibility and authenticity by asking for
recommendations by going through the reviews in magazines. You could
also screen through the portfolio of the financial company and see their
present and past clients. You could also call some clients in order to
know their feedback.A good financial company always gives the final
decision to you. It guides you on your investment based on their past
experience. Do not sacrifice on guarantees while availing your financial
services. Always make a complete agreement where the expectations of
each and every party are underlined and detailed. You must go through
the agreement very carefully in order to eliminate the risk of latent
costs involved.

12.18
12

Employment Agency in New Jersey … Link Between Employees And Employers!

by como ·

If you are looking for a job in New Jersey, then the best way to go about it is to get in touch with an employment agency in New Jersey or recruitment consultants in New Jersey as soon as possible!

What Is an Employment Agency?

An employment agency New Jersey, like many other agencies, bridges the distance between employees and employers. An employment agency would help in getting your skills noticed by the employers. An employment agency in New Jersey, for example, would match your skill set with the needs of a particular employer. If you suit the criteria, then the agency will arrange for a personal meeting.

How Do These Agencies Work

Many agencies have specific areas that they target. For example, some agencies specialize in specific industries such as health care, information technology, accounting, or executive assistance. There is also another kind of employment agency known as an executive-search firm that specializes in providing employment at the executive level. All agencies have a database of workers classified according to their skills. When an employer posts a vacancy with the agency, it decides on the suitable candidate for the vacancy and arranges a meeting. Some agencies also provide training in preparing a resume, interview, and presentation-making skills.

What Is A Recruitment Consultant?

You can also contact a recruitment consultant in New Jersey for your job needs. The job profile of the consultant is almost the same; that is, they also match the skills of a candidate with those required by a specific organization. While an employment agency typically works with individuals, a recruitment consultant works with organizations. A recruitment consultant works by understand the needs of the human resources department of a company, and then searching for appropriate candidates. A consultant can also look for a candidate through head-hunters, networking and referrals. Once some candidates are selected, then begins the screening process, interviews, and background checks. They also have the responsibility of building relationships between the employee and the employer in addition to understanding the needs of the recruiter. A recruitment consultant in New Jersey or any other part of the world would also help you in negotiating salary, training needs and career growth and opportunities.

Some companies perform both functions, that of employment agency and recruitment consultant New Jersey. It doesn’t matter if you are looking for a temp job, a part-time job or full-time job, an employment agency in New Jersey can help you find what you are looking for.

For more information please visit http://www.walkerpersonnelservice.com/

12.17
12

What Does Mobile Banking Mean For Retail Customers In India

by como ·

Mobile banking is a new and exciting way to bank for the customers in India. It not only has the multiple banking operations but also has quite a few support functions. Yet, it hasnt reached across India, as anticipated -RBI suggested. However, the growth in mobile banking in India is extremely encouraging. Here are few facts that will surprise you.

There is more than 7% month-on-month growth in the number of mobile transactions in India. This is based on the monthly transactions by August 2013.
By September 2013, the users have exchanged around Rs. 1565 Cr though the mobile transactions.

Though, the year-on-year growth is phenomenal, it cannot be considered well received when only a small fraction of the Indian banking customers are using it. When you realize the number of functionalities available, it is surprising that more numbers of people are not using it. The banking and allied functionalists available via mobile banking application are:
Locate the nearest branch of the bank via Google maps
Order a new cheque book
Check the status of new cheque book
Transfer funds
Check the balance available in the account
Take the mini-statement of the account
Pay utilities bills, credit card bills, insurance premiums, etc.
Make donations
Top up mobile recharge
The demat account services such as purchasing mutual funds, cancelling transactions, check NAVs, etc.

Arguably, all these services are not available in all the mobile banking apps released by all the banks. There is no sufficient response to the already-launched apps either. The research indicates that the primary reasons for this low-responsive state are:
Compatibility: The existing apps are not compatible with the various types of smartphones available in the market. Though, the smartphone market in India is expanding at the extraordinary rates, it is challenging to identify and release as many versions of the banking applications in the respective app stores. So, all interested customers dont get the app for mobile banking.
Awareness: All the bank customers are not aware of these apps. In spite of the promotions, this information hasnt penetrated down to all the social strata.

With few changes, the growth of smartphone banking in India can go in the high gear. It will become a routine concept. However, there are considerable infrastructure challenges. We still need to overcome them. With the right marketing and information strategy in place, interest and participation in the phone banking operations will reach sky high.