Archive for June, 2015

06.30
15

Long Term 2,500 Loan With Bad Credit Instant Cash For Long Term

by como ·

Loan with Bad Credit have been planned for the people who are the holder of bad credit record such as amount outstanding, arrears, defaults, late payments, insolvency, country court judgments (CCJs), individual voluntary agreements (IVA) and so on. Generally, bank and other loan lending companies do not approve the loan application of such borrowers but bad credit loans do not involve any process that can be a barrier in obtaining loan. Loan with Bad Credit helps the borrowers in the hour of financial crisis when they are in any emergency. Such type of loans can be used for any purpose. By taking the help of the loan amount, you can repair your home, buy of car, pay for higher education or consolidate multiple debts or whatever you need. If you make the repayments proper and timely, it will also help in fixing of your bad credit score.

In order to avail the loan you will not have to bestow anything as collateral for the security of the loan as these are unsecured loan in nature. Moreover, you have no need to fax the documents since these are faxing free loans. To obtain the loan you just need to fill out a simple online application form with all requisite information and as soon as it is approved by lending company after the verification process your required loan amount will be transferred into your active checking bank account on the same day of applying. But make sure you can apply for the loan if you are 18 or above of the age, you have an active checking bank account at least six months old, you have regular source of earning, your income per month is not less than 1000 per month and you are the citizen of UK.

With the modification in time and policies, the application process of long term loan with bad credit has become easier and faster with the advent of internet. The method of applying online provides better services and conditions with no hassle and saves your time also. Online lenders give you long term loan with bad credit at competitive rate of interest instantly. While making a selection, certify the lenders’ rates and terms-conditions by making comparison between them as there are many lenders having various rate of interest.

06.28
15

How To Explain Financial Analysis

by como ·

Individuals or firms trading equity (stock) on the stock markets as their principal capacity are called stock traders. Stock traders usually try to profit from short-term price volatility with trades lasting anywhere from several seconds to several weeks. The stock trader is usually a professional.

A person can call himself a full or part-time stock trader/investor while maintaining other professions. When a stock trader/investor has clients, and acts as a money manager or adviser with the intention of adding value to his clients finances, he is also called a financial advisor or manager.

Financial accountancy (or financial accounting) is the field of accountancy concerned with the preparation of financial statements for decision makers, such as stockholders, suppliers, banks, employees, government agencies, owners, and other stakeholders. The fundamental need for financial accounting is to reduce principal-agent problem by measuring and monitoring agents’ performance and reporting the results to interested users.

Although many companies offer courses in stock picking, and numerous experts report success through Technical Analysis and Fundamental Analysis, many economists and academics state that because of Efficient market theory it is unlikely that any amount of analysis can help an investor make any gains above the stock market itself. In a normal distribution of investors, many academics believe that the richest are simply outliers in such a distribution (in a game of chance, they have flipped heads twenty times in a row).

In this case, the financial manager could be an independent professional or a large bank corporation employee. This may include managers dealing with investment funds, hedge funds, mutual funds, and pension funds, or other professionals in equity investment, fund management, and wealth management. Several different types of stock trading exist including day trading, swing trading, market making, scalping (trading), momentum trading, trading the news, and arbitrage.

Financial markets have evolved significantly over several hundred years and are undergoing constant innovation to improve liquidity. Both general markets (where many commodities are traded) and specialized markets (where only one commodity is traded) exist. Markets work by placing many interested buyers and sellers in one place, thus making it easier for them to find each other. An economy which relies primarily on interactions between buyers and sellers to allocate resources is known as a market economy in contrast either to a command economy or to a non-market economy such as a gift economy.

Financial accountancy is used to prepare accounting information for people outside the organization or not involved in the day to day running of the company.
Managerial accounting provides accounting information to help managers make decisions to manage the business. In short, Financial Accounting is the process of summarizing financial data taken from an organization’s accounting records and publishing in the form of annual (or more frequent) reports for the benefit of people outside the organization.

Financial statements (or financial reports) are formal records of a business’ financial activities. In British English, including United Kingdom company law, financial statements are often referred to as accounts, although the term financial statements are also used, particularly by accountants. Financial statements provide an overview of a business’ financial condition in both short and long term. There are four basic financial statements.

The objective of financial statements is to provide information about the financial position, performance and changes in financial position of an enterprise that is useful to a wide range of users in making economic decisions. Financial statements should be understandable, relevant, reliable and comparable. Reported assets, liabilities and equity are directly related to an organization’s financial position. Reported income and expenses are directly related to an organization’s financial performance.

Stock traders/investors usually need a stock broker such as a bank or a brokerage firm to access the stock market. Since the advent of Internet banking, an Internet connection is commonly used to manage positions. Using the Internet, specialized software, and a personal computer, stock traders/investors make use of technical analysis and fundamental analysis to help them in the decision-making process. They may use several information resources.

Some of these resources are strictly technical. Using the pivot points calculated from a previous day trading, traders are able to predict the buy and sell points of the current day trading session. This pivot points give a cue to traders as to where price will head for the day signalling the trader where to enter his trade, and where to exit. There are criticism on the validity of these technical indicators used in technical analysis, and many professional stock traders do not use them.

06.27
15

Indian Art And Craft Industry- An Overview

by como ·

Indian Art and Craft Industry- An Overview

India is a land where every corner is evident with the greatness of art and craft. The traditional quintessence of Indian art and craft can be seen even in the daily used objects like earthen pot, mugs, bed-sheets or any such things. The objects are created with a great creativity that portrays magnificent work of art. That is what Indian art and craft industry is!

Indian art and craft is an old saga. Although, the present state of the industry is flourishing with a touch of contemporary designs and patterns but it is deeply entrenched with the rich craft customs from the past. The uniqueness in the Industry lies in its own way.

India”s richness in art and craft can be seen in every product whether garments, Jewelleries or household furnishings. These products are a perfect mix of traditional designs and modern techniques. Due to their diversity in designs and their being utilitarian in nature, they are high in demand. This has given many Indian traders to invest in the industry and flaunt India”s custom across the world. Products such as table mats, napkins, bed sheets, lamp shades etc are made out astoundingly with the use of natural material, textile printing, block printing, tie and die, hand printing etc, and are much in demand. Gems and jewelries are other obsession of India. The rising demands in gems and jewelries have transformed Indian craft traditions into a full-grown organized industry. Garments such as woolen shawls and phirens from Himachal, traditional sarees ranging from Banarsi Amru, Tanchoi, Paithani, Patola, and Kancheevaram are the most popular export garments. Indias zardozi and brocade work are highly recognized these days. Other utilitarian craft products like cushions, curtains, bedcovers, sheets, metal furniture, wood furniture, boxes, cabinets, terracotta items, utensils, garden pots, papier-mch products, brass and silverware, carpets, rugs and durries from Kashmir, jute and coir items, wood and stone sculptures, traditional paintings, decorative pieces, embellished wooden sculptures, stone and wood carvings, and many more are on the rise in India as well as in abroad.

Here is the Swot Analysis of the Indian art and craft industry that gives you more information on the present status of the industry;

Strengths

“The industry has potential in domestic as well as international markets.

“It provides wide variety in each product and exhibit diversified culture of India.

“Industry caters to the different market sectors covering handicrafts, textiles and jewelries.

“Gives potential source of employment

“It requires low capital investment

“It is a great source of foreign revenue as it is a huge export industry.

Weakness

“Industry lacks communication and infrastructure

“Lack of co-ordination between Indian manufacturers-exporters and Government

“Inadequate information available on new technology

“Industry is still confined to rural areas of the nation

“No promotional support is given to the sector

Opportunities

“Emerging demands of Indian crafts across overseas

“Development of retail sectors and changing lifestyles offer huge requirements of such products

“Rise in the industry is due to development in tourism

“Internet has emerged as a mean to develop its market network

Threats

“Increasing competition in domestic markets

“Quality products manufacturing by countries like South Africa and China

“Better trade terms are offering by these countries

“Competing countries offer better technological support and R&D development facilities

“Challenge to establish balance between demand and supply of quality products

The reason why Indian art and craft is highly appreciated and constantly flourishing in domestic and foreign markets are due to its utilitarian nature and high acceptance among people of India and people across the whole world.

06.26
15

Different Levels Of Management

by como ·

The term Levels of Management differentiates different managerial positions in an organization. When the organization grows in size and when the employees also increase in number, it leads to increase in the number of levels of the organization and vice versa. There are three levels of management basically :

1. Top Management – The General Manager, Managing Director, Chief Executive, Board of Directors all belong to this category. Authority mainly lies with this level of management. The top level management generally performs planning and co- ordination function. It lays down the broad policies and goals of the organization. It is also answerable to the shareholders for functioning of the organization. The middle level managers are also appointed by the top level management. It also maintains links with society at large.

2. Middle level Management – The departmental heads and the branch heads belong to this category of management. The Middle level management is answerable to the top level management for functioning of their departments. The middle level management generally performs organizing and directing functions. It implements the organizational goals and plans according to the directions of the top management. They act as mediator between top and lower level management by clarifying and explaining policies from top to lower level. Also the middle level has to communicate significant data and reports from lower level to the top level management. It also boosts the lower level managers for better performance. It even has to train the low level managers.

3. Lower level Management – The foremen, supervisors ,superintendents ,etc. all belong to this category of management. They generally have to personally oversee and direct the lower level employees. This level of management generally performs directing and controlling functions. They train and boost up the workers. They look after the problems and grievances of the workers and try to solve them.

06.25
15

The Textile Industry Part V

by como ·

Government Policies

Introduction

The Indian Textile Industry is looked upon as one of the largest industries in the world. The Ministry of Textiles in India has introduced several policies and schemes targeting the growth of this sector. Some of them listed here include:

Insight into Indias National Textile Policy

The National Textile Policy was devised bearing in mind the following objectives:

Boost the growth of the textile industry in India and nurture and fix its position in the global arena as a leading manufacturer and exporter of clothing.

To cut down imports of the domestic market.

To infuse competitive spirit by liberalizing stringent controls

Promoting Foreign Direct Investment and R&D in this sector

Focus on diversification and up gradation taking into account the environmental concerns.

Evolvement of a firm multi-fibre base; and developing the skills of the weavers and the craftsmen in the process.

The goals set to meet the following targets:

The Technology Up gradation Fund Scheme should be executed in a focused manner.

The garment industry should be eliminated from the list of the small scale industry sector.

The handloom industry should be prompted to flex its muscles and embark into foreign ventures to compete globally. The National Textile Policy is also working towards streamlining the availability and the productivity of quality raw materials. Due care is being taken to control the unstable prices. Special measures are being undertaken to raise the level of Indian silk to the International Standards.

Preamble

To know the purpose of the industry and to cater to peoples most basic requirements and promote sustained growth and thereby enhance the quality of living.

To recognize textile industry as an independent industry, from manufacturing raw materials to delivery of finished products, and its significant contribution to the economy as a whole.

To appreciate its vast potential for generating employment opportunities in noteworthy sectors like agriculture, organized sector, urban and rural areas, decentralized sector especially for women and differently abled.

To identify with the Textile Policy of 1985 which saw annual growth rate climb by 7.13 percent, textile exports by 13.32 percent and per capita availability of fabrics by 3.6 percent.

To evaluate the issues and problems confronted by the textile industry and strategies outlined by experts for this specific purpose.

To manufacture good quality clothing and cater to the demands of the people with reasonable prices.

Important areas

The government of India in an endeavor to promote textile industry laid emphasis on several areas, which are mentioned below:

Pioneering Marketing Strategies
Improvisation in technology
Alteration in Products
Quality Consciousness
Improvement in the quality of raw materials
Increase in productivity
Increase in exports
Finance Planning
Generation of Employment Opportunities
Human Resource Development

Pioneering Efforts

Government of India has laid down certain targets thatll help build and promote textile industry of India. To attain the aforesaid targets, dogged efforts are being made in the following direction

All manufacturing segments of textile industry will be governed by TUFS (Technology Up gradation Fund Scheme)

Enhance the quality and productivity of cotton. The aim is to enhance 50 percent productivity and sustain quality of international standards.

Set up the technology mission on jute with an objective to enhance cotton productivity of the country.

Inspire private organization to offer financial support to the textile industry.

Encourage private players to establish world class textile industry.

Persuade handloom industry for producing value added items.

Persuade private sectors build up world class textile industry and then embrace various textile processing units scattered in various parts of India.

Restore functions of the TRA(Textile Research Associations) and start giving importance to research works

Insight into the Government policy in terms of cotton and man-made fiber

One of the primary aims of the government policy is to improve the quality and the productivity of cotton and man-made fibre. Ministry of Agriculture, Ministry of Textiles and cotton growing regions are mainly responsible for achieving the target. .

Other important areas for textile industry

IT sector

The IT industry plays a paramount role when it comes to development of textile industry in India. The IT industry has laid down a sound commercial network for the textile industry to prosper and grow.

HRD sector

Optimum utilization of human resources helps build the textile industry to a large extent. Government of India has laid out some effective strategies to optimize its utilization in support of the textile industry.

Financial Planning

Government of India is also prompting talented Indian Designers and technologists of India to work for the Indian Textile Industry and is also planning to establish a venture capital fund in collaboration with financial establishments.

Indian Textile Acts

Some of the important acts with respect to the textile industry include:

Central Silk Board Act, 1948
The Textiles Committee Act, 1963
The Handlooms Act, 1985
Cotton Control Order, 1986

Under the Textile Undertaking Act, 1995 Government of India is trying its best to offer pertinent facilities so as to exploit the sector to its full potential and achieve the said target. The industry is presently growing at the rate of 9-10 percent and is estimated to grow at the rate of 16 percent in value. The clothing and manufacturing sector is expected to grow at the rate of 21 percent in value terms.

06.24
15

Singapore Employment Service

by como ·

The employment services provides a number of human resources services to organizations. These services consist of providing temporary staff with other businesses; supporting employers identify ideal staff and provides human resources services to clients.

The Employment Services industry has four unique sections. Employment Placement Agencies list employment openings and place permanent employees. Temporary Assistance Services, also called Temporary Staffing Agencies, supply workers on an agreement schedule for a limited time to clients in need of staffs to support their work force. Executive Search Services, also known as headhunters, offer research, recruiting, and placement services with regard to clients with specific executive and senior management needs. Professional employer organizations are usually engaged in providing recruiting as well as hr administration solutions to staff client businesses. They might discuss duty as a co-employer of workers to provide a cost-effective method of the administration and also supervision of the recruiting capabilities of the clients.

The typical Employment Placement Agencies includes a comparatively little permanent employees, typically fewer than 10 staffs, who interview jobseekers and try to match their own qualifications and skills to people being searched by employers in regards to certain career opportunities.

Contrary to small employment placement agencies, Temporary Staffing Agencies usually utilize additional workers. They offer temporary staff to other businesses to help or enhance their particular workforce within specific circumstances, including worker absences, temporary talent shortages, as well as various periodic workloads. They are hired, paid and contracted to clients by the temporary staffing agencies either on a prearranged payment or on an agreed hourly salary. Some organizations prefer to use Temporary staff full-time on a continuous basis instead of hiring permanent employees, who certainly get greater wages and advantages.

Executive Search firms try to identify the most effective candidates for top-level administration and executive jobs. Clients hire professional recruiters to save time and protect discretion. They do keep a large data source of executives’ resumes and check these particular databases to identify and examine candidates who’re likely to heighten a client’s corporate tradition and strategic plan. Executive Search companies perform pre-screening selection interviews, research and background checks.

Professional Employer Organizations concentrate on performing a wide range of human resources and staff administration duties to their clients, including payroll processing, accounting, benefits management, recruiting, and labour associations. Staffs leasing institutions really are a kind of professional manager organization which usually specializes in acquiring and leasing several or all of their client’s employees; these people serve as the employer with the rented workers when it comes to administrating payroll, benefits and associated functions.

To find out more about Executive Search, visit the website: http://www.sgrecruiters.com/

06.23
15

How Obtaining A Criminal Pardon Improves Employment Prospects

by como ·

Anyone that has ever been arrested or convicted of a crime in Canada and the United States is at a distinct disadvantage when it comes to gaining and keeping a job. A person’s criminal record is readily available to the general public and can be easily accessed by anyone that wishes to check it, including current and potential employers. In today’s computer age, all it takes is the click of a computer mouse to access a wide variety of information on any individual, including details of their criminal record history.

It is standard procedure for many employers to conduct criminal record checks on all job applicants before hiring. It stands to reason that a prospective employee with a criminal record has less chance of being hired than a comparable candidate without a criminal past. Many employers would be hesitant to hire a candidate when it was revealed that he had a criminal record. Even if the charges on record are viewed as minor, they may cause employers to question the prospective employee’s character, as well as their honesty and judgement. In many professions, possessing a criminal record would all but eliminate any chance of being hired. Some jobs require that employees be bonded; however, bonding companies are cautious when insuring a person with a criminal record and typically charge employers more-often more than the employer is willing to spend.

Fortunately, it is possible, in most cases, to have a Canadian criminal record removed with a pardon. A criminal pardon will ensure that all of a person’s criminal records and charges are separated from other personal records and rendered inaccessible to individuals and organizations such as employers, educational institutions, volunteer organizations, and bonding companies; in essence, it is sealing the criminal record. In addition, anyone who has been convicted under Canadian law can apply to the Canadian government for a pardon once their sentence is completed and a certain period of time has passed.

There are many advantages in obtaining a criminal record pardon, especially for those seeking employment or career advancement. The Canadian Human Rights Act protects individuals who have received pardons from discrimination, particularly from employers and landlords. The Criminal Record Act eliminates the need for employees to reveal pardoned convictions on government employment forms. By using the professional services of a firm that specializes in obtaining pardons, the complicated pardon process can be completed in as little as 8 months.

Competition in today’s job market is tough, and employers are more meticulous and discriminating in the selection process than ever before. They have ready access to all types of data when researching the backgrounds of potential employees. Having a criminal record puts a prospective employee at a crippling disadvantage. For individual’s seeking employment, obtaining a criminal pardon can do more to improve their employability and career prospects than anything else they might do. For employees who live with the constant fear that at anytime their undisclosed criminal record could be revealed to their employer, causing embarrassment and wreaking havoc on their careers, obtaining a criminal pardon could offer peace of mind. A Canadian criminal pardon levels the playing field for those with criminal pasts, enabling them to find success and security.

06.22
15

Employment – your contract of employment

by como ·

A contract of employment is an agreement between an employer and an employee. This contract states your rights and duties as an employee as well as the rights and duties of your employer. These rights are known as -terms’ of contract. The contract doesn’t have to be in writing, but you’re entitled to a written statement of the main terms within two months of starting work.

Your contract of employment should be made up as soon as you accept a job offer and both you and your employer are then bound by its terms until the contract ends or until the terms of your contract are changed.

There are many aspects that have to be covered within your contract of employment so we will start with the basic information which is your job title and job description. Your employer technically doesn’t have to provide you with a job description but it is best that you try and get one as it will give you something to refer back to if you feel you are being forced to do unreasonable tasks, it will also state all of your responsibilities, including any extra ones that you may not have been aware of. Your contract of employment will also state your date of employment. This date of employment is the date that you officially become an employee of this particular employer. As well as showing the date that you officially become and employee, your contract, if not permanent, should state when your employment will end.

Two other aspects that will be placed within your contract of employment is your rate of pay and your hours of work. Your rate of pay will state how much you will be paid per year, before tax has been taken off, and when you will be paid, usually either monthly or weekly. When it comes to your hours of work it is important that you check you’re weekly hours and thoroughly read through your contract to see where you stand with overtime. Some contracts limit the amount of hours that you are able to work a week so checking your contracted hours is important to make sure that you are able to work the amount of hours that you agreed to.

Other aspects that should be placed within your contract of employment is your holiday entitlement and holiday pay. Most full-time workers have a statutory right to 24 days’ paid annual leave, and from 1 April, 2009 this increases to 28 days. There are merely just a few employees that might not automatically be given these rights. As well as having information about your holiday entitlement you will also need sick pay information. This part of your contract of employment will inform you about the amount of pay you are entitled to if you are enable to work due to illness If there are no terms or conditions related to pay due to injury or sickness, the work contract must say so.

Every aspect and detail of your employment should and needs to be stated within your contract of employment. If you feel that any part of your contract of employment is breeched at any time during your employment it is important that you seek professional help to find out where you stand legally.

06.21
15

Do You Have An Employment Drug Test In Place

by como ·

Drug testing is another precaution to have a peaceful working place. Drug testing can eliminate drug users in your firm. There are many types of drug test procedure that you can do. There are many applicants that use illegal drugs. Drug testing helps you determine a good worker. Check this article to learn some drug testing procedures.

Drug Testing is one pre-employment requirement that many Organizations implement. The primary objective is to maintain a workplace that is free from unnecessary and ugly scenarios arising from drug abuse.

High productivity is one of the goals of any corporations. By ensuring that all its employees are not hooked on illegal drugs, the performance of the company is geared toward success.

Of course, the success of the organization does not rely on having a drug-free working environment; however, drug abuse is a culprit that can affect the enterprise’s overall output.

Medical experts explained that people who use illegal drugs get high fast, making them feel powerful, and causing them to act fearlessly. Depending on the kind of illegal drug and the frequency of its use, these drugs can cause hallucinations and paranoia.

Now, without conducting drug testing, you are putting the safety and welfare of your company and its employees at higher risks. It could also damage your company’s reputation if managers already employed use drugs.

With employment drug screening, the company ensures that new hires are not into drug use. There are also corporations that initiate random drug tests on its existing employees to monitor and eliminate drug-abuse habits.

As drug screening becomes popular, some applicants may lie low in using drugs for the sake of passing drug tests, and resume their habits once they get hired. Hence, it is also necessary to conduct regular drug testing on all potential employees and existing employees.

Employment drug screening also creates a safer and drug-free working environment. It can reduce the conflict incidences involving employees who use illegal drugs. This is not to say that those who are involved in corporate brawls or verbal fights are using drugs.

Rather, statistics and medical evidence authenticate that people who are addicted to illegal drugs are quick to anger, vulnerable to physical violence, and an initiator of chaos. Mostly, drug users have frequent absences, low-productivity, utilization and cost of health benefits, higher insurance premiums and accidents.

Small and medium scale businesses can benefit more from initiating drug testing as drug users are more inclined to apply at their company. Just the thought of drug tests can scare away drug abusers. As a major determinant of employment, drug screening allows business owners to save time and effort by hiring the right individuals.

Since there are many types of substance abuse, it is important to specify which drug tests are necessary to administer to your employees and applicants. There are marijuana testing, cocaine drug tests, and many other drugs test that can be done.

Generally, companies follow a standard five-panel test, which is composed of Marijuana, Cocaine, PCP and Amphetamine. There is also a 10-panel test to include prescription substances that can be obtained legally, but which can also be addictive and abused. Only few companies use this type of drug testing.

Usually, all drug substances linger in our system between 2 and 4 days. In conducting the drug tests among regular drug users, the results become available in 14 days or even more. If the drug testing is done with hair, the substance can be detected for a period of 3 months.

06.20
15

Loan Calculator Excel Template Learn, Help And Prosper!

by como ·

Worried about the time period in paying off a loan? With the loan calculator excel template that uses the compound interest formula, you need not to worry about managing your expenses and your loan time period! You can experiment and make up loan scenarios to know what type of deal is best for you with the loan calculator excel template. You will be able to analyze the amount of interest you need to pay for the loan. The influence of the extra payments every month to the total loan amount can also be learned and mastered to your advantage with this template.

The loan calculator excel template consists of tables and functions.

The loan calculator excel template comes in different types and functions. All of them are made using the ever helpful Microsoft Excel software program. They come in XLSX formats are also known as spreadsheets. The loan calculator excel template usually has about 400 rows and 10 columns in a table. Some can even provide you with schedules of paying off the loan.

The loan calculator excel template has the main function of helping you in your loan journey. Having knowledge about the interest you pay and the balance that is paid off in the loan time period would be very beneficial and a learning experience for you. Having the loan calculator excel template in your loan journey would be really valuable in monitoring how you organize your money. Even before going through a loan and just being in the process of thinking of having one, this calculator would be beneficial as it can help you be more organized and therefore, successful in the end.

Help And Gain With The Loan Calculator Excel Template!

Creating your own loan calculator excel template would be stress-free and exciting if you have knowledge about making one. Getting started with creating one would mean researching and really getting yourself into it. But once you get a hang of it, you can make templates of different functions and even sell it online! You can also make records of calculations to analyze with and even help others with.

So what are you waiting for? Its time to get those brain cells working and not only help yourself when in loan needs but help with others as well. With the loan calculator excel template, you can organize your expenditures for following days ahead. You make new templates for specific loans like auto, home, or personal. Saving of records is bliss. With the records, you can learn and teach and even gain profits from selling your template products.