Archive for February, 2015


Tips On Applying A Savings Account At Pnb Bank Philippines

by como ·

Philippines National Bank (PNB) is among the largest banks in the Philippines in terms of assets. It is one of the most established bank in the country and included in the Philippine Stock Exchange.

During the American colonial period, PNB was established by the Philippine government on 1916. In 1980, it became the first universal bank in the country.

If you are thinking to apply for a bank account at PNB, you must prepare all the requirements before going to the bank to have a smooth processing of your application. It would be better if you can also apply for online or mobile banking once you applied for a new bank account.

Internet or phone banking is a good service offered by PNB since it will give you access to your account anytime and anywhere as long as there is an Internet connection. You can also pay your bills like utility bills online if you have Internet banking account.

The guide below can give you an idea on how to open a new PNB bank account. You can follow it for quick processing of your application.

1. Choose the PNB branch you would like to apply for a new bank account. It would be better to select the branch near public roads where there are many means of transportation.

2. Bring complete requirements when opening PNB bank account.

3. Prepare your money for initial deposit of your new bank account. Normally, for ATM and passbook account, the initial deposit would be P5,000 and P10,000 respectively. For applying a peso checking account, the minimum initial deposit would be P10,000.

4. Make sure to bring ball pen because sometimes there is no ball pen available at the bank. It is better to be ready than to have none.

5. Proceed directly to the new account desk when you arrived at the bank. Inform the bank officer you would like to open a new savings account. Fill up all forms and signature cards that will be given to you. Make sure you complete all the required data.

6. After finishing filling up all application forms and signature cards, handle to the bank officer you initial deposit, requirements and forms. This process may take 20 minutes or more since it will undergo checking and approval.

7. Normally, ATM or passbook will be available for pick-up to your PNB branch after 5 banking days had passed or you may ask the bank officer when it will be available to be sure.

PNB is one of the best banks in the country if you are considering to apply for a new savings account. If you want quick processing and approval of your application, remember to bring with you all requirements for opening a new bank account.


Bad Credit Wedding Loans in Case You want to Race Towards the Altar with Bad Credit

by como ·

So you are engaged. Congratulations. It was not easy. What?
Getting engaged? No, finding the right person. But it is just the
beginning. There is still a wedding to plan. Do you know how much you
have to plan? Perhaps you have some idea but you will know the reality
only when you actually start planning your wedding. Caterers, ceremony,
cakes, car, invitation, music, photography, tuxedos, wedding gown,
jewellery, hair, gifts, decoration…….is the list over? Not yet, not
even near over. However, one thing you still forgot to take into
account. You don’t have ample money. And on the top of it you have BAD

That doesn’t sound too good especially when Are trying to
get a loan. But bad credit loan for wedding. You haven’t given it a
thought. Or perhaps your thoughts have stopped in the middle because of
bad credit. Bad credit wedding loans are as realistic as your wedding plans.

you have made your wedding plans then perhaps you know how much you
have to spend. According to a study the national average of wedding
costs about


How To Simplify Your Business With Email Marketing Software

by como ·

It must be said that the Email – marketing software has incredible benefits for companies that take advantage of this powerful tool to promote their products and enhance customer relationships .

The most difficult task for any company is to acquire and retain a large customer base . By using the Internet and the effects of e- mail advertising , business communication efforts to help customers better alimpacto many other tools. Email marketing software is a technique that avoids the inconvenience of spam, the user generates a product specific service to tell your friends .

A Research study says ” 87 % of consumers spend time to be online is spent reading emails . Now see the point why a company should rely on the Email Marketing software.

1. – Economic : send email is much less expensive than other forms of communication such as advertising signs, radio, tv , sms , newspapers or magazines.

2 . – Integrator : the email reaches people integrating action . It allows us to send information to the recipient , unlike a website , which requires that the person have to find out for themselves to information.

3. – Landline : the email can reach thousands of contacts and potential clients in minutes with minimal effort .

4 . – Constant: Email marketing software is the tool of choice for loyal customers and make new sales. There are studies that suggest that to create a new sale to a customer who already possess, is up to 7 times easier to get a new customer .

5 . – Ponderable : The results of email marketing campaigns can be measured in real time and with considerable exactitude . There are several metrics that can be useful: emails delivered, unsubscribe , etc …

6 . – Cash: For those companies that perform marketing email professionally and correctly , it is normal to expect a high return on investment for every email sent in relation to other types of marketing . Features such as segmentation and personalization help achieve high rates of effectiveness.

7 . – Generate sales : The great advantage of e- mail marketing is that it can be as effective for businesses. The e- mail marketing can be done with a very tight budget , therefore , even small businesses can create a marketing campaign via e – mail that looks very professional and effective.

We therefore will help to increase your sales . The e- mail marketing software is one of the most common methods , more successful and more accessible to everyone. With the volume of consumers in today ‘s Internet , from any point of view it makes sense to use it.

Choosing a good email marketing tool is important. I think it’s important not to place all your eggs in one basket . I would add to my email marketing tools any type payment tool . Above all to serve my clients. It has more features and is easier to use.

More important than email marketing tools

More important than email marketing tool you use, free or paid , is that really connect with your subscribers .

It is you earn their trust in order to sell a product or idea.

Or just increase traffic to your website.

You must persuade your subscribers in the most intelligent way possible .


Financial Plan is Important So Why Many of us Don’t Have One

by como ·

We all love to dream about the future we want, but many of us do not like the idea of organizing our finances and preparing a financial plan. It seems that our dream of our future is the fun part, but planning sounds like tedious and boring work. This is evident by the fact that 65% of individuals do not have a financial plan.

A study found that the benefit of having a financial plan is very significant. On average, individuals who had a plan for retirement had two and half times more assets in their retirement than those who did not have a plan. Having a plan is only part of the success equation because working with an advisor and having a financial plan shows that there is a nine to ten times increase in assets than with those who do not work with an advisor and have a financial plan.

This may explain why one third of individuals consider winning the lottery as one of their financial strategies to achieving their financial goals. So why do most of us not have a plan? It cant be because of a lack of awareness since there are many financial institutions that are advertising the importance of planning. There is also a lot of information and material on the subject with millions of results on Google. So when it comes to Financial Planning why is it that we are not prepared? Well here is a list of the three myths that I have experienced people saying.

Myth of Time: In todays fast paced life we are all starved for time. We are so busy in our everyday activities that we feel that taking time for planning is not available. When it comes to planning there is an upfront commitment of time in identifying your life goals and putting together an action to achieve them, but once you complete these steps then it is just a matter of monitoring your progress as time goes on. The time commitment is minimal compared to the return you get by working with an advisor and having a plan done as noted above.

Myth of Knowledge: The financial world, especially today, may seem too complicated with all the information out there. We are exposed to a lot of information and financial lingo. If you start by telling yourself that it is not too complicated and too hard, then you have no excuse not to do it. You may consider participating in a seminar or a workshop. You can start reading books that talk about financial matters. Soon you will learn that the financial world is not complicated once you learn some of the basics.

The Myth of Wealth: I dont have enough savings to worry about a financial plan. If you have savings then you have enough. Having a plan will help you decide not only where you should put your money, it will also help to define the why. I have learned that the why is more important than the how and where. When it comes to planning you need to start somewhere. Dont think that just because you think you dont have enough you should not have a plan. A Financial Plan will help you define the goals and dreams you want to accomplish.


Financial Spread Betting – Trailing Stop Losses

by como ·

In the last article we discovered how the use of ‘stop-losses’ was fundamental to minimising any potential loss, and – golden rule – how we should always automatically set a stop loss trigger for each and every financial spread betting trade we undertake.
In this article we learn how this tool can also help maximise our gain too. Sounds strange that something called a ‘stop-loss’ bet to do with maximising profits too, but read on to find out more.

One of the main benefits of spread betting is that we can cut our losses and ride our gains. As a result, one of the main questions asked is ‘when should I take a gain’, ie what is the right time to exit a successful spread bet? I deal with exit strategies in other articles I have written, but one of the key techniques employed is a self regulating exit tool called a ‘trailing stop loss’.

Imagine you ‘buy’ a bet on a share that you think will rise. Let’s say that it is now moving in the right direction. Remembering our earlier golden rule, we will have already put a stop loss on this trade at the time we took out the bet. And we will have set it at a price below the strike price that matched our risk appetite? Well now we imagine that our bet is newly struck, and move the stop loss up to a similar margin below the new current strike price. And as the price continues to rise, we continue to ‘trail’ it with the stop loss, ever increasing. The vital point here is that we never, ever, put the stop loss back down again. This is a one way move designed to stop us losing out from a reversal of the trend, and it effectively locks in ever increasing amounts of our profits as we go along.

Clearly, this technique either requires you to have the time to follow the price and move the stop loss up in real time, or you need to find a financial spread betting firm that has a tool to allow you to set automated trailing stop losses.

And remember one final point. A ‘stop loss’ only triggers a sale order at the time the price is met. It doesn’t guarantee a buy or sell at that price. You could still lose out to market slippage. The only way to avoid this is to use ‘guaranteed stop losses’ that only some companies provide, and naturally are a little more expensive. Good luck with your financial spread betting!


Employment Outlook Bright For Hemodialysis Nursing Jobs

by como ·

As kidney disease is on the rise worldwide, especially among minority populations, the need for hemodialysis nurses is expected to grow over the next five years.

Education necessary for this specialty includes being licensed as a Registered Nurse, Licensed Vocational Nurse or Licensed Practical Nurse, then getting experience in the field at an End Stage Renal Disease (ESRD) facility.

Hemodialysis nurses are the key component for manging patient care at a dialysis center. They monitor the patient’s vital signs and consult with them about the proper treatment. They answer any questions posed by the patient and his or her family. Hemodialysis nurses are responsible for overseeing the patient’s dialysis treatment from start to finish during each visit. They ensure that patients are taking the proper physician-directed medications in the proper doses, and monitor how the patient is responding to that medication, as well as to the dialysis treatment.

Hemodialysis nurses are a vital link to keeping the patient’s physician informed about any changes in their patient’s condition, along with reviewing the patient’s lab charts and daily activities that may impact their condition. They also provide valuable follow-up should a patient receive a kidney transplant.

Some hemodialysis nurses specialize in home treatment called peritoneal dialysis (PD) and teach patients how to perform this procedure at home. Home hemodialysis nurses also monitor and administer medications and evaluate how their patient’s home peritoneal dialysis routine is progressing.

Whether working at a dialysis center or as a home hemodialysis nurse, hemodialysis nurses must be caring and compassionate individuals with excellent communication skills who are able to work one on one with patients in a sometimes hectic work environment. Dialysis patients are often depressed or discouraged or in pain and rely on their hemodialysis nurse not only for their technical wisdom but also for much needed emotional support. One benefit of working as a hemodialysis nurse is the ability to work with patients over an extended length of time which allows the practitioner to chart their progress which can be extremely satisfying.

Average annual salaries for a hemodialysis nurse is around $50,000, with higher rates for those holding the Certified Hemodialysis Nurse (CHN) credential offered by the Board of Nephrology Examiners Nursing and Technology (BONET).


Mitigating Seasonal And Temporary Recruitment Risks

by como ·

In today’s economy, seasonal and temporary staff can be found in audit offices as well as the shop floor and in the ski resort. As companies strive to have the exact amount of people on board to fulfil fluctuating business demand, finding optimal temporary staff has become a priority for many employers. So what are the risks and rewards associated with temporary staff and what steps can organisations take to build a reliable and flexible workforce to meet seasonal as well as ongoing business demands?

According to the latest figures from the International Confederation of Private Employment Agencies (CIETT), the UK has the highest number of temporary workers in Europe, with over 1.3 million temps working in the UK; thats around 5% of the UK workforce.

Since the 1970s, temporary staffing has expanded rapidly to become a significant feature of many national labour markets. Temporary employment, be it seasonal, ad hoc or interim work, is now a permanent feature of the business landscape and for many organisations, it is a form of working that has become integral to business strategy. Indeed, recent research from the University of Manchester has found that the recession has led many firms to have in place a buffer zone of temporary agency workers. During tough economic times, firms may increase the proportion of their workforces which are externally sourced from temporary recruitment agencies as a means of managing the risks of any future recessions. While for most firms, this strategy is a short term one, there is also evidence that it has developed into a longer-term approach to workforce management.

Temporary staff can be quickly deployed to cope with unforeseen demand, cover sickness, holiday absence and maternity leave and provide extra support due to seasonal demand like the Christmas rush or financial year end. During times of recession, using temporary staff also allows organisations, at least in the short term, to avoid the costly need to sack permanent, core members of the workforce.

The use of temporary staff can also help to reduce the fixed costs associated with labour hiring and recruitment. Temporary workers, for example, represent a relatively low cost method of screening for potential permanent employees, monitoring their on their job performance and culture fit. Recruiting permanent staff from a pool of temporary workers enables businesses to try them out for size over a longer period of time than would be possible under most probation schemes. Conversely, for other employers, using temporary staff can be a way of securing additional time to use for searching for permanent employees.
In more recent years, there has also been a rise in the use of independent contractors by organisations. Contract workers provided added flexibility when a company requires it. They can do one off jobs or provide a service which no other member of staff can provide. In many cases, they can often begin work at short notice which helps employers to meet a sudden demand. The added benefit for the employer is that they are not responsible for their PAYE or national insurance contributions.

Clearly, hiring temporary staff offers a number of specific advantages to employers. However, they do come in all shapes and sizes. The good ones can help a company thrive in the difficult times or offer valuable help and support at short notice. The very best temporary workers are often highly motivated, some seizing on the opportunity to gain valuable experience and may see the role as a stepping stone to a permanent position. Others may resent the fact the role is not permanent, they might lack motivation and commitment and could be detrimental to a companys business. At their very worst, a temporary worker may gain employment under false pretences, which potentially could have very serious repercussions.

The organisations which tend to have seasonal peaks and a greater demand for temporary workers, also tend to be organisations where these seasonal or temporary employees are most likely to have close access to customers, either directly (in the case of retail and the hospitality industry) or indirectly (in the case of call centres or financial institutions). In both cases, the implications of placing the wrong person in a temporary job could be severe and have potentially high financial, legal and reputational consequences.
Experian has found that organisations use temporary staff and contractors while largely ignoring or being unaware of the risks. While the timescales associated with recruiting temporary staff are short, this should not be an excuse for not carrying out appropriate background screening on temporary staff. By doing so, these employers are taking massive risks affecting their own organisations and the public at large.
So what are the specific risks and what implications do these have for employers?

Many organisations, which have fluctuating seasonal and temporary demands, employ a significant number of migrant workers. The immigration, Asylum and Nationality Act 2006, makes it a criminal offence to employ someone who is subject to immigration control and who has no permission to work in the UK. In 2009, the UK Border Agency imposed 2,210 civil penalties on employers of illegal workers totalling 22.1m, almost double the number of civil penalties issued in 2008.
With forged identity documents often very hard to spot without specialist equipment or Scotland Yard level expertise, the importance of electronic identity validation and appropriate background screening should not be underestimated when it comes to temporary employees and complying with immigration legislation.

The Corporate Manslaughter Act places a legal obligation on employers to ensure that the staff they employ do not pose a threat to themselves or others. For sectors like retail and hospitality, ensuring that customers have a safe and pleasant experience is critical to their success but dependent on having honest, reliable and trustworthy staff. In order to protect themselves from legal and financial repercussions further down the line, organisations must satisfy themselves that the temporary staff they employ have the appropriate qualifications, a full and valid employment record and no previous convictions.

The possibility of hiring someone who may pose a direct criminal threat may seem rare, but the fact that the value of reported fraud in the UK has increased by 153% since 2003 reminds us how serious a threat this is to UK businesses. The latest figures from CIFAS, the UKs fraud prevention service, show a substantial rise in the number of cases of employee fraud identified in 2009 compared to 2008. CIFAS also reports an increase in the number of cases of employees selling personal data. The implication of this finding is that more staff are being approached by organised criminals and bribed to reveal personal customer data. Indeed, it has been claimed by the police that one in ten of Glasgows financial call centres has been infiltrated by criminal gangs.
Clearly, organisations which hold large data repositories or deal with sensitive financial information are at greater risk from insider fraud. In these days of identity theft, criminals will pay a healthy price for personal information and the temptation for someone in financial difficulties is clear. For these organisations, temporary or contract employees are often the biggest threats when it comes to employee fraud. Generally, they have less to lose, have less loyalty to the company and can also have wide access to sensitive customer information. Fraudsters are also more likely to obtain entry to an organisation through temporary or contracting roles where background screening may be lax or often non-existent.
When it comes to combating employee fraud, these organisations should consider developing an employee screening policy which includes carrying out identity checks, credit checking and criminal record checks specifically on temporary and contract staff and not just those in permanent positions.

Top tips for meeting seasonal recruitment demands and minimising exposure to risk are:
Dont rely on the recruitment agencys screening process – organisations should also undertake internal background screening of temporary applicants
Build a temporary talent bank consider pre-screening a group of recurring seasonal employees who come back during the busy periods
Use background screening to deter timewasters and potential fraudsters – Experians own experience has found that its not uncommon for as many as 15 per cent of applicants to drop out when made aware that a thorough background check is used in the recruitment process
Effective workforce planning – plan well in advance for busy periods and line up a pre-screened workforce that can be called upon at short notice
Outsource the background screening process not only will this save time and money but will also ensure legal obligations are met


Get Your Financial House in Order – Before You Lose It!

by como ·

How to Get Started

Do you really know how you’re doing
financially? Do you have to check your wallet and your bank account on a
daily (or even hourly basis) to know how much cash you have? Are you
making purchase decisions based on a plan that you know will lead you to
financial freedom – or at least a good night’s sleep? Take heart –
you’re not alone. Ask a few people to honestly tell you if they have
both their business and personal finances in order and at least 80% or
more will say “not really”.

I teach small business owners how to
run their business operations more effectively. The key is to become
more financially savvy. If you have a handle on your finances, the rest
of the business – managing the people, workflow and your time – will
seem like a walk in the park. Everyone has personal finances, so if you
don’t own a small business, then use these ideas for your personal life.
They apply too!

To have a strong, secure and orderly financial house, you must build it this way:

The foundation of your house is having a money management tracking
system. If you don’t know what you have, you can’t make wise decisions.
Your system must be simple, easy and effective to follow. It should
create a flow in your life that includes dealing with the paper, paying
bills on time, showing you what reality is and saving time and stress at
tax time. Ahhh, what a relief…after that, build a wall.

* The
first wall of your house is to have a plan for the future. Once you have
your foundation and your system flows smoothly, begin to concentrate on
establishing a budget and forecasting for the future. You will use this
as your blueprint for building a stronger house and let it help you
with your spending and saving decisions.

* The second wall of your
house is to know where you are at so you can make changes if necessary
to your dream home. You must measure not only your financial numbers,
but also your operations – including you!

* No house would be
complete without a roof or everything inside can wash away. The roof of
your financial house is your discipline. It is critical as you build
your foundation and a key factor as you firm up your walls. Once your
house is complete, it is way too easy to let up since you think you’re
done. A strong financial house requires maintenance. You are the manager
and steward of your finances. Staying vigilant, mindful and purposeful
takes discipline. Use this in every phase of your financial building
project to keep your day-to-day flow going smoothly, to review your plan
and push yourself with measurable goals!

So…how does one get started? You MUST start with
your foundation. Every business, no matter how small, must have an
“accounting” department. Yep, even us solopreneuers! The IRS says we
must have a good recordkeeping system in place, so be ready in case
you’re ever audited. (This is NO different for our personal finances
either.) Here are three things you can do to shore up your foundation.

Get a paper management “system” in place that provides a stress-free
flow. Corral your financial stuff in one place and create a bill payment
area for you to work. Include a simple filing system for all your
receipts, accounts statements, customer invoices and reports. Have some
retention guidelines to help you decide what to keep and what to toss.

Use some sort of computer tool. QuickBooks for a small business or
Quicken for home. Heck, even use a spreadsheet like Excel if you need to
start somewhere.

* Determine a regular schedule of when you will
handle your financial matters. Create a checklist to help remind you
what to do on a weekly, monthly, quarterly and year-end basis.

get started! Sharpen your discipline now and agree to stick with it for
six months. I promise you’ll see results in just a few months if you
are honest with yourself and make some changes. If you fall off the
cart, get back on! This is the one area in which you are in control.

2008 Debbie Gilster. If you would like to reprint this article, you may
do so absolutely free. You may use the article as is or make minor
changes so long as the byline is reprinted intact and all links are made
live. A courtesy notice of reprint or excerpt is appreciated.


The Asian Fashion Industry Is Coming Of Age

by como ·

When most people think of fashion they think of the runways of Paris or the big designer houses of New York City. Quietly standing in the sidelines and starting to claim its own spot in the limelight is the world of Asian fashion. Whether you know it or not if you like to wear trendy clothes then you are already probably wearing some of todays hottest Asian fashion.

The biggest players in the industry right now are the Japanese fashion houses and the Korean fashion industry but these are not the only countries setting their sights on the global market place. While China is best known for its production capability, there are signs that it is also targeting the broad Asian fashion market. Thailand, Singapore, and Malaysia also have the capability to take market share away from western designers.

Over the past five to ten years the Asian fashion industry has begun to make its mark on the world. We find this to be particularly the case in contemporary fashion. The styles targeted at the younger set owe a particular debt to the Japanese designers. Pop culture and styles made evident by entertainment stars have popped up throughout Japan and have spread to the rest of the world. The school girl look, for example, can be traced directly to the Japanese world of styles driven by pop singers.

Today we see Korean designers having more and more impact on style. Seoul, in particular, has set its sights on becoming a hub for fashion. In the past Korean designers have kept their sights close to home but now are moving to make an impact on the global stage. Even though this means competing with well known brands, the Korean fashion houses are well positioned to make a move. The region is long known for the quality of its Asian fashion trades people and the industry is working to bring prices down in order to increase competitiveness.

If you are looking for ready to wear Asian fashion then the Internet can put the world at your fingertips. There are dozens of good sites that carry a comprehensive line of Asian fashions of all styles. A quick Internet search will present you with choices that are as specialized as bridal wear and as general as sites that carry a little of everything.

It is a given that Asian fashion is poised to make significant in roads in the fashion world. The timing is right and the creative talent is there. The demand from buyers is there as well. The main stumbling block is the inconsistent nature of the sales pipeline. A great deal of progress has already been made and as the Asian fashion industry becomes more mature it will learn how to take advantage of the entire worldwide market. If recent runway shows like ones recently held in Korea are any example of what the industry is capable of, Western fashion labels should take heed. The Asian fashion industry is coming of age.


Importance Of Seo Pricing In Deciding Online Marketing Cost

by como ·

The results of online marketing campaign largely depend upon the search engine ranking of website. Though a website may seem beautiful, flawless, but if it doesnt attract expected traffic, even the best marketing tricks will not deliver results. Hence, SEO pricing emerges as the most important issue while deciding overall online marketing cost because even if, you are satisfied with the existing number of website visitors, updated SEO always help you to get the better return of your online marketing cost. But, how would you justify SEO pricing? Do you know the main factors which really affect SEO pricing?

Factors concerned with SEO pricing and online marketing cost:

1. Exiting rank of the website If the website contains too many frames or is written in Flash or is poorly designed or doesnt bear adequate incoming links, SEO pricing will be more.
2. Targeted Keywords – Selection of proper keywords plays an important role in SEO. Selection of more competitive keywords increases SEO pricing.
3. Target Market – If you have planned to hit the global market, more SEO efforts will be required to place the website among the top ten global search results. Kind of product or services being offered also affect SEO pricing. If your product or services are used by relatively few people, your website may be easily optimized, so low SEO pricing will cut down overall online marketing cost.
4. Nature of competitor If your competitors get their websites optimized too frequently to get the better rank; you will require consistent SEO services. This will boost up online marketing cost because in this case SEO pricing will be too high.
5. Your involvement in SEO If you know the basics of SEO, you can reduce online marketing cost considerably because in this case you will need SEO services only for highly technical jobs.

How to select best SEO service:
Nowadays, when every one is slashing down the marketing cost, you can’t afford to spend for unjustified SEO pricing. While selecting the SEO service for your online marketing campaign, consider the following issues:
** What is included and excluded in offered SEO service?
** Whether you are being guaranteed for measurable result?
** How much time does SEO company need to prove improvement?
** Who will manage SEO and what will the extra charge for SEO management?
** Has the SEO agency worked successfully in past with the client of your category?

How to recover online marketing cost:
Success of any online marketing campaign depends upon perfect blending of techniques and tactics. To recover online marketing cost, besides maintaining SE rank it is also must to keep a continuous vigil on the traffic, response, order conversion ratio and segment of the visitors. Just the selection of highest SEO pricing offer doesnt guarantees the success of online marketing campaign. You need to mange SEO campaign professionally. To hire the specialists for this purpose is also not a bad idea; this little increase of online marketing cost will improve the results manifold.