Archive for December, 2013

12.26
13

Gurgaon Needs Better Local Transport and Waterlogging Management for a Better City Life

by como ·

Strategically located by sharing borders with Delhi, the national capital of the country, Rajasthan and UP on different locations, the millennium city has it all what people hail in it for. From skyscraper buildings housing large and reputable MNCs, corporate offices, shopping complexes and more to local markets, high-end golf course clubs, and more, Gurgaon seems to be serving the needs of local as well as inter-state and people from across the world for miscellaneous purposes including employment, business, politics, economy, entertainment, leisure, accommodation, food, luxury, modern infrastructure and more.

Despite that the city offers everything right on a single platter for all types of people, there are some severe issues which it is grappling with. Local transport problem and waterlogging are two of the burgeoning issues that every local and traveller will have to inevitably face while roaming routinely or occasionally in and around the city.

Local transport problem has been disrupting the routine city life for years due to the lack of number and frequency of public transport means including buses, taxis and autos etc. The arrangements from the state and city authorities have proved futile to handle the problem in the absence of proper coordination and concrete action plan, increasing population, traffic congestion and shortage of vehicles among other things.

Barring city buses (which are not available in abundance), the cost of travelling in private auto rickshaws and taxis is high enough to burn a hole in people’s pockets. Though shared autos are cheaper than private ones but their out-of-sync connectivity is more like no connectivity at all for most of the places. There are no direct shared autos from a place to another. People will have to run from pillar to post to catch an auto and travel to and from their offices and homes. Since rickshaws cannot travel long distances in the city, people have to rely on shared and private autos, buses and taxis.

Buses are again not a feasible option as they are not well connected to all the city routes due to the complex transport map. There is not even a single bus that well connects to different routes to serve the transport needs of people. Besides affecting the locals and travellers, the problem has resulted in increased migrations of companies and even people to the bordering cities. The question of tourism does not even arise due to the local transport problem in the city.

This is not just earning the city defame but is also causing the revenues to go down which could have otherwise been utilized for the welfare of the natives, improvements in infrastructure and utilities, betterment of roads and more.

Let alone the transport, waterlogging problem in Gurgaon is another equally burgeoning issue here. Barring heavy downpours even a short and mild spell of rain can turn the millennium city into a seasonal lake through which people have to wade to reach to and from their places. It ain’t easy to do so either as waterlogging turns the entire city into a circus of lights with jampacked vehicles, not moving, or moving from bumper to bumper at a pace that even a snail can beat it.

Traffic congestion is inevitable in the waterlogged city and other related problems are bound to occur because of it. The -Smart City- has till date found no cure and action plan to deal with such grave issues. In the wake of making the city smart and ultra-modern, Gurgaon Renewal Mission, a movement supported by the HUDA administration, civil bodies, corporate, city developers, police commissioner, and more, was launched in 2011.

The movement is aimed at improving the quality of life in the city by overcoming the shortage of power, water, transport means, safety measures, and proper governance; managing waste and introducing more green initiatives, improving gender equality, enhancing safety for public properties, and minimizing environmental loss among other things. Despite that the movement is executing its action plans in full swing, Waterlogging Problem in Gurgaon and local transport problem should be dealt with on the priority basis to help city get rid of unnecessary traffic problems and prevent criminal activities, especially against women from flourishing in the absence of proper transport means.

The author has written on various topics related to social causes like Local Transportation Problem in this article author raises the issue related to traffic congestion in Gurgaon. For more information Visit: – www.gurgaonrenewalmission.in.

12.25
13

How To Qualify For A HUD Loan Modification

by como ·

How To Qualify For HUD Loan Modification

The new Federal Home Affordable Refinance program has many homeowners asking how they can qualify for a HUD loan modification. If you are a homeowner who is struggling to make your monthly mortgage payments you may qualify for a HUD loan modification even if you are not yet delinquent on your payments. If you have had an increase in monthly expenses or a recent loss of income and you might be at risk of default because of insufficient funds, you may qualify for the program.

However, in order to qualify you must first meet certain criteria. The loan must have been originated on or before January 1, 2009. The home must be your primary residence and cannot be investor-owned, vacant or condemned. Your mortgage payment must be more than 31% of your gross monthly income and the loan must not exceed the fixed loan limits as established by Freddie Mac and Fannie Mae. Your loan also must be a first-lien loan with an unpaid principle balance of $729,750 or less. If you do qualify for a HUD loan modification, it is easy to apply and the government has provided a number of financial incentives for participating servicers in order to make the program as successful as possible.

In order to get the process started contact your lender or a loan modification counselor and ask if you can be considered for the Homeowner Affordability and Stability Plan. You will need your two most recent pay stubs and your most recent tax return. It is also a good idea to gather up all of your mortgage documents and any supporting documentation detailing any other debts you owe including your car loan, credit cards, student loans and signature loans. You will be required to sign an affidavit of financial hardship as well as IRS form 4506-T, requesting a transcript of your previous tax returns for the period required by the lender or counselor. The lender or counselor should handle the reminder of the process for you.

In addition to the immediate relief of lowering your monthly mortgage payments, there are a number of long term benefits to consider as well, including financial incentives such as being eligible for up to $1,000 of principle reduction payments annually for the first five years, interest rate reduction and extending the term of your loan up to forty years.

12.25
13

How To Prepare For The Investment Banking Interview

by como ·

Two with the most specific varieties of banking are the corporate and Gary Silversmith Wiki. Corporate banking is involved inside the various transactions of up-and-coming small to large corporations and business ventures; the main focus is for the corporate accounts. On another hand, investment banking is involved within the investment transactions of numerous financial entities including corporations and governments; the focus is for the aspect of the investments. Let us differentiate corporate and investment banking.

Bankers will build a meeting with the corporation called a pitch, by which they pitch the services of the firm to the company and provides their analysis with the feasibility of the potential transaction. At the pitch, the bankers will present the possibility client using a pitch book – normally a hard-copy PowerPoint presentation that describes the credentials of the bank along using a detailed analysis of the market in which the organization operates and sometimes a valuation of the company itself.

Banks have always helped people in the majority of these transactions. These banks were among the first finance institutions ever created by man. These banks protect and multiply the clients’ money while ensuring that they will not get bankrupt in the process. A bank’s general responsibility is to act as the guts agent to the client and its transactions with other commercial entities. However, due to the huge scope of banking inside daily transactions inside the financial market, it became necessary to differentiate them in accordance with the activities that they are involved in.

The company carries a market capitalization of 20.99 Billion, EPS is 2.60, P/E ratio is 24.17 and the dividend yield is 2.86% at the annual dividend payout of 0.45.

Should an analyst choose to leave investment banking altogether – and a lot of do – their experience is frequently leveraged to advance into positions that might normally require more experience. After all, many analysts wrack up double the hours in the average worker and must perform their work at an intensity level which is among the highest inside the business world.

It now entirely possible that banking client relationships will be more liable to change and possess become to all intents and purposes more fluid. It also seems investors are more likely to spread their investments across many bank along with the days of the all in one banking provider are numbered. However this itself would seem an opportunity for the adaptable Relationship Managers. With the markets uncertain as well as the awareness of risk amongst investors at its highest ever levels a trustworthy, competent private banker has not been more needed. Indeed those offering excellent advice are discovering their client books are growing with the expense of people Relationship Managers stuck inside the past.

Corporate real estate is really a very valuable asset to any or all corporations. Real estate includes land or area including every one of the fixtures mounted on that chunk of property. It also usually includes both the functional land or office buildings, and also the non-operational land owned by the corporation. This segment alone contributes about 30% from the capital assets from a organization. Naturally, this element of management can be a matter of high priority with all organizations worldwide.

Instead of the services being defined by what the lending company wants to offer, they may be defined by what the customers need. The bank to customer polarity is reversed and also the customer becomes the marketplace-maker from the future.

12.24
13

How Does a Photographer fit Into the Music industry Company

by como ·

There are many jobs in the music industry that do not directly involve the music its self. Look at the CD cover and the liner photos. That was most likely not done by the engineer or the producer. Nine out of ten times it was a professional photographer that took those images and then retouched them to make them the best that they could be.

He is not truly a musician and yet the photographer is employer in the music business, as a music industry professional.

Lots of things in and around the music business revolve around a photo or a photographer. Think of all the events that go on in the music world. The live shows, the awards shows, public appearances, recording dates. What is one thing that you can almost positively plan on seeing at every place a music event is happening? A camera with a photographer attached to the other end of it.

So photographers actually play a huge part in the music industry company. Without them there to record the things going on no one would have any way of seeing the changes that are actually happening to the artists. Lets face it; its amazing how people change when they get money. A certain Disney Diva went from a rather flat chest and some pre-pubescent funky teeth to a cosmetically nice looking late teen / early twentys look almost overnight. Without the cameras we might never have known.

But seriously, places like the various freelance places on the Internet and ones that target the music industry specifically make it fairly easy for the photographers out there that want to become involved in this portion of the industry to actually hook up with the people that are willing to give them money to use those God given talents taking pictures that will serve the music world.

What you, as a photographer, need to do is do what you can to get a portfolio of work that might be relevant to a music industry company. Go out and shoot a few local bands at some shows to give a feel for your style. Offer to help the groups out with the CD projects and even the other promo material that they need. As long as they use your information associated with that work it could easily get other bands wanting to actually pay you to do that for them and you can build up a portfolio of things to show other industry people when you approach them looking for work.

12.24
13

Financial Professionals Are on the Front Lines in the Fight Against Financial Elder Abuse

by como ·

A Wells Fargo financial professional recently helped to save a client from losing money in a scam targeting senior citizens. The 78-year old client thought that he won an overseas lottery. Instead, he became a victim of financial elder abuse via a typical lottery scam. The Wells Fargo professional prevented money from being sent offshore, however money from another bank was sent out. San Francisco financial elder abuse attorneys warn senior citizens that lottery scams are abundant. California elder abuse attorneys warn the public not to fall for lottery scams.

In this case, the senior citizen victim was contacted by unknown individuals claiming to be from the Costa Rican lottery. They told the senior citizen that he had won the lottery and that he could collect a $5 million payout. Then they told the senior citizen victim that there were some formalities and that they would need some personal information to verify his identity. Additionally, they told him that he needed to send money to pay off various taxes and fees associated with the money he had won. The senior citizen victim then went to one of his banks and transferred $88,000 to an offshore account. California financial elder abuse attorneys warn seniors not to transfer money overseas. San Francisco financial elder abuse attorneys say that sending money to offshore accounts is a very risky proposition.

Next, the senior citizen victim went to his Wells Fargo Bank and attempted to set up another transfer of $50,000 to an offshore account. This time the senior citizen got lucky. The Wells Fargo financial professional knew immediately that something was wrong and refused to go forward with the transfer. Since the senior citizen client was convinced that he was one transfer away from getting $5 million, there was an unpleasant exchange between the financial professional and the senior citizen. At that point, the financial advisor contacted the family of the senior and they helped convince him that it was a scam. The financial advisor helped prevent further financial elder abuse by refusing to transfer the money. San Francisco financial elder abuse attorneys say that financial professionals can play a role in the battle against financial elder abuse.

12.23
13

Protecting Businesses with Employment Attorneys

by como ·

Employment law in the 21st century is so complex that every business needs to have a good working relationship with a local employment attorney. It is this kind of partnership that protects a business from potentially catastrophic lawsuits. Many employment laws are in place to give business owners and managers the specific guidance and legal framework they need to make important decisions regarding employees or general employment policies. Employment attorneys help employers manage risks and control costs so that they can focus their time and resources on their businesses.

The Need for Employment Lawyers

While many businesses continue to operate under a common misconception – that they are too small to need an employment lawyer – in today’s more litigious business climate this misconception is more problematic than ever. Any company today that has employees needs to have legal counsel in order to stay informed and aware of laws pertaining to this specialized area. Every employer needs to understand the impact of such things as family or pregnancy leave, sexual harassment, wrongful termination, or how to apply the law when it comes to such seemingly routine things as lunch times or break times. A good employment attorney can assist in writing up policies that are created by the human resource department. Attorneys whose focus is employment and labor law, can advise clients in matters of employment discrimination, harassment, wrongful discharge, severance issues, and employment law compliance.

Employment Law and Proactive Management

Although that kind of employment lawyer participation in a business is easily affordable, it can potentially save a company tremendous amounts of money. When an employment lawyer is there to consult with management, legal communication between management and employees is improved. That kind of work environment can in turn, improve retention rates and performance – and those factors contribute directly to a more robust bottom line. Human resource professionals also need input from employment lawyers to ensure that they are making decisions that are good for retaining and supporting employees, and these decisions are therefore good for the company as well. Otherwise companies open themselves up to potential legal problems related to everything from age or disability discrimination, or perceived wrongful termination, to disputes over overtime pay.

Selecting an Experienced Employment Attorney

When choosing an employment lawyer, it is important to first locate a law firm that has employment attorneys with verifiable credentials. When you meet with the prospective employment attorneys, ask them what kinds of cases they have handled, and what the outcomes were for the companies in each case. Ideally, the employment lawyer you choose will be experienced at providing legal advice at all stages of a problem – situational and policy advice, litigation avoidance, and skilled representation in court and before administrative agencies.

Choose an employment attorney who not only has stellar credentials but also has a strong commitment to continuing education. Those reliable employment attorneys who have solid past experience combined with a forward-looking passion for the law will be able to serve their clients well, both now and in the future.

12.23
13

Company Profile Of Syz & Co Private Banking

by como ·

SYZ & CO Private Banking : Company Profile and SWOT Analysis’ contains in depth information and data about the company and its operations. The profile contains a company overview, business description, SWOT analysis, key competitors, key facts, key employees, locations and subsidiaries as well as information on products and services.

Summary
This SWOT analysis and company profile is a crucial resource for industry executives and anyone looking to gain a better understanding of the company’s business.
http://www.companyprofilesandconferences.com/researchindex/Banking-Finance-c2/SYZ-CO-Private-Banking-Company-Profile-and-SWOT-Analysis.html
‘SYZ & CO Private Banking : Company Profile and SWOT Analysis’ report utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format.WealthInsight strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.

Scope
– Examines and identifies key information and issues about ‘SYZ & CO Private Banking’ for business intelligence requirements
– Studies and presents the company’s strengths, weaknesses, opportunities (growth potential) and threats (competition). Strategic and operational business information is objectively reported
– The profile also contains information on business operations, company history, major products and services, key employees

Reasons To Buy
– Quickly enhance your understanding of the company
– Gain insight into the marketplace and a better understanding of internal and external factors which could impact the industry
– Recognize potential partnerships and suppliers

Table of contents
1 Business Analysis
1.1 Company Overview
1.2 Business Description
1.3 Major Products and Services
2 SWOT Analysis
2.1 SWOT Analysis – Overview
2.2 Strengths
2.3 Weaknesses
2.4 Opportunities
2.5 Threats
3 Company Statement
4 History
5 Key Employees
6 Key Employee Biographies
7 Locations and Subsidiaries
7.1 Head Office
7.2 Other Locations and Subsidiaries
8 Appendix
8.1 Methodology
8.2 Disclaimer
For more information kindly visit:
http://www.companyprofilesandconferences.com/researchindex/Banking-Finance-c2/SYZ-CO-Private-Banking-Company-Profile-and-SWOT-Analysis.html
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12.14
13

Benefit From Using Online Marketing to Enhance Your Business

by como ·

Online marketing has been around for quite awhile and have been used to increase sales. The idea is to make your business attractive, to engage new customers in order to make your business succeed. This route will cut the expense of companies who use ordinary or traditional business marketing to make their business known. Nothing is wrong with traditional marketing, mind you, but the whole idea of online marketing is to make your business more accessible to the wider community of potential buyers. This can put your business out there to enable people both nationally and internationally have the opportunity to see what you have to offer.

This kind of marketing not only enhances sales but provides all persons closely involved the needed information that is essential for running a thriving business. The rationale behind online marketing enables customers the opportunity to see what is available by your business, it gives staff the flexibility to be able to monitor product flow and be able to replace needed stock as required. It gives them the tools needed to make purchases and ensure on time deliveries are made to keep customers satisfied. Management is able to see the potential of their product and do expansions wherever they are needed.

Online Marketing brings to the company’s site the merchandise as close to the customer as possible while giving them the option to buy. There is the comfort and ease of having all the necessary information that they will need available to them. Customer care or service is maximized because they are able to communicate directly with the representative on a one to one basis. This eliminated any delay and problems or queries can be dealt with quickly. Customer satisfaction is the foundation of online marketing as the customers are the ones that will keep the company in business. The strategy of information that is available to the consumer like email address, telephone number, search engine services, special offers for delivery and return policy, are just some of the many areas they companies engage to ensure customers are satisfied.

The utilization of online Marketing can be compared to social media as the two is somewhat similar. The sites visited by consumers through social media are treated the same way when business sites are visited. They are easily circulated by clients and are used to ensure friends tell friends, of the excellent service that was received. Such is the benefits of good customer relations.

For more information about ecommerce Design and development please have a look at IWD company or visit http://www.interiorwebdesign.com/ecommerce-seo-services

12.13
13

Baking Arts Management Programs In Canada

by como ·

The job of pastry bakers is no longer limited to turning raw ingredients into baked treats. Instead it extends to quantity bakery production, labour cost controls, purchasing for commercial kitchen, menu planning, practices of nutrition, and human resource planning.

Traditionally, pastry bakers were expected to just bake pastries, cookies, breads, cakes and chocolates. However, times have changed. Now, the industry offers them more legitimate career options in the areas of supply management, hospitality management, human resource planning, and sanitation, hygiene and safety, marketing of baked goods, and kitchen management.

The professionals are now required to have excellent baking skills combined with strong business acumen. They should be able to work in state-of-the-art kitchens, while using the latest equipments and ensuring their smooth transition into the workforce. They are not only required to bake cakes and pastries, but are also expected to innovate and bring a new product or concept to the market.

Baking Arts Management Programs

Prospective pastry bakers in Canada are required to go through a formal and intensive training in baking arts management before entering the world of work. In fact, this is considered as the basic requirement to pursue an entry level job in the industry.

Previously pastry bakers were trained on-the-job and paid decently after several years of hard work. However, nowadays, structured post-secondary educational programs are available in Canada with the colleges of repute.

Bakery arts management programs are designed to provide students with the skills to effectively manage commercial bakery outlets. They learn to expand their knowledge of baking and produce commercial quantities of breads, muffins, cakes, pastries, pies, rolls, sweet dough and savoury. They also learn to mange product costs, labour costs, purchase and storage of materials, product marketing, hiring and managing personnel.

Program Details

Centennial College’s baking program runs for two years and offers a unique blend of classroom learning, hands-on baking lab and an individualized internship with industry partners. The program focuses on helping students develop pastry baking arts and business management skills.

The post-secondary program in baking arts covers a wide range of subjects including

– Baking and pastry arts theory and practical
– Hospitality accounting
– Sanitation, safety and hygiene
– Quantity bakery production
– Principles of food, beverage and labour cost controls
– Principles of hospitality management
– Purchasing for commercial kitchen
– Human resources management
– Marketing strategies
– Principles and practices of nutrition for culinarians
– Supervisory practices for Kitchen Manager

In addition, the program lays a strong emphasis on professional communication, report writing, mathematics for bakers, and knowledge in computers.

Benefits of Baking Programs

The graduates of baking arts programs are capable of

– Working on the latest baking equipments
– Producing baking goods in large quantities
– Managing commercial bakery outlets
– Managing materials purchase and storage
– Marketing baked products effectively
– Hiring and managing personnel at a commercial bakery
– Ensuring sanitation, safety and hygiene

They can find employment with hotels, restaurants, retail pastry outlets, bistros, resorts, camps, department stores, supermarkets, and other related businesses. The graduates can also start their own pastry establishment.

Students looking for better job prospects can also consider studying further by enrolling into advanced bakery arts program with associated universities.

12.13
13

Bad credit Need a Car Loan GO ONLINE!

by como ·

Bad credit auto finance is very common, as a large percentage of Americans have an imperfect credit history. This is to make sure that the dreams of those who do not have a great credit history do not remain unfulfilled. Every individual has the right to fulfill his dreams, and the hindrance in making a dream-come-true should not be a mere “Bad Credit”.

Why go Online for a Bad Credit Car Loan?

Low interest Rates – Periodically online car dealers offer low interest rate incentives from the manufacturer to buyers which local lenders are unable do. Even with poor credit history, you can be benefited with such incentives. For instance, many captive finance companies have offered interest rates as low as 0%, 1.0%, 2.9%, or 3.9%. It can be hard to match those rates no matter where you shop.

Abundant Lending Resources – A great number of lenders means that online dealers can offer buyers a variety of lending options. Many of the top auto finance companies in the country only offer funds through local car dealership partners such as those within an affiliate network.

Extreme Convenience – Buyers with bad credit car financing problems can finance and buy a car at the same time, which is time saving as well.

Less stringent Underwriting Requirements than Direct Lenders – Online dealership bad credit finance managers are particularly trained to present your situation to the lender in the most favorable terms to guarantee applicants the best possibility of approval.

Best Bad Credit Car Loan online.

It is not very difficult to find help locating a low interest poor credit car loan online. There are numerous reputable online lenders that offer the best available finance rates for people with bad credit, and you can compare their rates at sites that provide you with precise bank rates.

Many online companies also could do some great work in bad credit financing. If you visit the websites of these companies, you will have to provide your information and they will, in turn, give you a list of lenders. Their databases have several listings, therefore making the time-consuming task of finding these on your own, easier.

Advantages of getting an Online Car loan for bad credit.

There are many advantages of online bad credit car finance. As discussed earlier, one of the most important is Attractively-low Interest rates which only an online Bad credit car financing can offer due to its various tie-ups with numerous lenders.

Another striking advantage of online bad credit auto finance is the process involved, which easy and time saving, as a result of the huge database that a lot of online bad credit car financing companies contain.

Again a very important benefit of car loan online for bad credit is that the personnel that present your case to the lenders are highly trained and experienced in their particular field, which helps them show your positive and favorable aspects to lender. This helps in making the approval more probable.