Author Archive

06.4
15

Land Banking A Great Investment For Long Term Capital Growth

by como ·

Land banking, over the longer term, has shown better average gains than either shares or property, and with less downside risk, with an average UK growth of 920% in 20 years!

Once the preserve of rich, today, even smaller, in the know investors are taking advantage of this opportunity to make substantial capital gains.

Land Banking – What is it? Land banking simply involves the acquisition of land, which does not enjoy planning consent, in advance of expanding urbanization.

With the granting of planning consent, the price of an open space parcel, not yet subject to urban development pressures, normally rises in value.

Land Banking in the UK In 2004 alone, agricultural land in the UK appreciated in value between 16% and 30%, depending upon its geographical location.

In fact, over the past 20 years, the AVERAGE increase in UK Land has been a staggering 920%! In many instances, investors who have bought land in the right place at the right time have exceeded these average gains.

Not only has land risen in value dramatically, it has risen in a smoother upward path with less downside volatility than either stocks or property.

UK Demand Exceeding Supply The UK is one of the most densely populated countries in Europe and has a rising population driven by a huge influx of migrants from overseas.

Two facts will illustrate the potential of land banking in the UK:

There is a need for up to 3,500,000 new homes over the next 15 years, rising to 4,400,000 new homes over the next 20 years.

Over the last 30 years, the demand for new homes has increased by 30%. In the same period, house-building rates have dropped by over 50%.

Supply must catch up with demand, and buying land in the UK therefore offers investors a great opportunity to make substantial capital gains.

Location is the Key! Under developed land, such as Greenbelt, agricultural and forestry, is cheaper than land that currently enjoys planning consent. The way to make big capital gains in land banking, involves buying land in specific areas in the hope of future development.

Pre-planning purchase of green belt, agricultural and forestry land is nothing new. Astute investors have been doing it for years.

Investors simply need to study specific areas for the likelihood of future planning permission being granted, which will lead to an increase in the value of the plot purchased.

How to Make Big Land Banking Capital Gains Every developer knows that each town and city must grow outward, and the land most available is agricultural, greenbelt and forestry.

Land without planning permission which is subsequently included in a local authority’s unitary development plan (UDP), will potentially benefit from a significant increase in value.

With the granting of a change of use, a site’s value can increase substantially. However, the change of use category granted, i.e. residential, commercial recreational etc, will ultimately dictate the change in value of the plot.

Land Banking Risks Any investor considering land banking needs to give careful consideration to site selection, and purchase sites which are within the path of progress and future urbanization, but also have a high probability of future development.

Land Banking is a long-term investment, as resale durations and amounts are variable.

Taking Advantage of the Land Banking Opportunity There are many specialist companies catering for international investors wishing to own UK land. An investment in land can be cheap, as many developers buy plots, divide them, and sell them in smaller parcels.

06.3
15

ITIL Certification – The New Standard In The IT Industry

by como ·

ITIL certification is becoming very popular nowadays, and has become a kind of benchmark in the IT industry. Many people are now going for this training to improve their careers and get ahead in their jobs. Moreover, many organizations are actively looking for people who have passed this certification, because they are better able to provide quality services in the IT industry.

ITIL is a short form of IT Infrastructure Library Certification. This is a training certification which was organized and initiated by the Central Computer and Telecommunications Agency (CCTA), as a form of codes of practice for the IT industry. The main aim was to provide a benchmark in order to motivate companies to provide IT services which are high quality, and up to the mark. The accreditation authority for this certification is the Information Systems Examination Board, and all potential candidates have to contact them for the exam.

If you are thinking that ITIL is just a waste of time and money, then you are very wrong. In the beginning, people did not understand the potential and meaning of this training, and did not make use of the many benefits its offers. But today, companies and individuals alike are aiming for this certification, as they know they can reach a higher level with the help of knowledge gained with this training.

There are many benefits of ITIL. First of all, it will provide you with plenty of knowledge that even years of working in the IT industry is not able to provide. You will learn about the IT services from a delivery point of view, and will understand how important it is to keep track of service quality, and satisfaction of customers. You will be aware of the standard of work that is expected from you, and how you reach that standard. Moreover, if you are beginner then you can learn all about IT jargon, and the practical implementation of what you have studied. This will give you clear concept about ITIL.

There are many organizations that are now looking for and hiring ITIL certified people, and are willing to pay a good salary as well. Many companies have started storing their data in digital form, and people with this training are better able to access and use that information. Therefore, being ITIL certified will benefit your career, by improving your knowledge and skills related to all aspects of information technology.

06.2
15

Getting a payday loan online

by como ·

Weve all been there at the end of the month when cash flow becomes a little rigid, quarterly bills need to be settled, and costs that you could not foresee have landed in your lap. This is when an immediate online approval for a guaranteed payday loan can really come to the rescue.

The superfast application form means that amounts of up to 1000 can be deposited in your account on the same day – sometimes within one hour.

The automated process also means that the payday loan has no faxing and this is guaranteed. You will find that these loans are available all year round; the sites literally dont close. That means if you’re in a tight spot no matter what time it is you can apply for an instant payday loan with no faxing.

The application process couldnt be easier, simply fill in your details, the online lender will then verify you are who you say you are, check if the loan amount is within your capabilities to repay and then give you an instant decision. The application process is also 100% secure this means your personal details are safe and the site has extensive security to stop those wishing to view your details.

Because the application for a payday loan online is automated this means that no credit checks are carried out, this is excellent news for those with poor credit scores, CCJs or a bad history of repaying loans. It doesn’t matter if you have defaults on your credit history or arrears for what is important is the ability to repay the payday loan.

Same day transfer of the payday loan

The same day guaranteed transfer is done via chaps; this is a bank transfer that is done within two hours of arrangement. Payday loan lenders do not charge extra for this service-this leaves you with the cash nearly immediately and you can then spend it on what you like.

The terms of a payday loan are straightforward and easy to understand, it does not matter if you are a tenant, a homeowner or living with parents. These details are not taken into consideration when assessing your application for a guaranteed payday loan – as already stated what is important is that you are who you say you are and that you can repay the loan.

You can use guaranteed payday loans no faxing for whatever purpose suits you, again the use of the loan is not taken into account when you apply. So if you need cash on the same day and looking for an easy solution to your problems then a payday loan just might be the answer.

06.1
15

The Different Kinds Of Airport Job Roles

by como ·

Airports make use of a huge quantity of individuals in each non permanent and permanent positions: Heathrow airport for example employs hundreds of members of workers by a whole bunch of corporations each in and out of the airline industry. Have you ever thought of getting a job in an airport? There is such a wide range of job alternatives related with airports that a very massive number of people that stay close to enough to an airport to be able to benefit from such opportunities can often discover one thing which is related to their space of expertise.

Airline Jobs:

The employment of airways may be both various and specialized. Quite a lot of the roles which airlines recruit for require transferable expertise such nearly as good administration, effectivity, diligence, etc. Others require specialised skills which require quite a lot of coaching and qualifications – I am trying to keep away from the plain instance of ‘pilot’ however it’s simply too obvious.

Construction, Engineering, Venture Management:

The expansion and development of airports is often ongoing and at all times taking place somewhere: this creates an unlimited number of jobs within the development industry in addition to in design, engineering and management. The construct of Terminal 5 for instance, nevertheless controversial, created 1000’s more jobs for Heathrow and the encompassing areas. In addition to this there are apparent ‘trickle down’ effects for both the micro and macro economy.

Transport and Logistics:

Planes aren’t the only thing coming in and out of airports. Airport transfers are a surprisingly profitable operation which works off the again of an airport’s success: taxis, buses, coach transfers, automobile hire, etc.

Hospitality, Catering and Retail:

Airports are transport hubs which have access to a captive, broad and big market. Subsequently since their humble beginnings, airports have begun to attract rich companies who can take advantage of the business alternatives an airport presents. From retail administration roles, shop assistants, waiting staff… the list goes on.

The Other Opportunities:

Usually coming from notably entrepreneurial businesspeople, there are a number of different ways that folks make cash and employ folks by means of the airline trade: consider these individuals who cling-film wrap your baggage to keep them protected and together on a long flight – something you wouldn’t consider at first, however somebody’s received to do it!

I’ve only touched on the main employment alternatives which are connected to airports and the airline industry. There’s too much recruitment occurring within the airline industries to speak about all of it in depth, so I would counsel that if this text wet your urge for food that you simply look into an space of specific curiosity/experience in detail.

05.31
15

The Growing Industry Of Barbecue Sauce

by como ·

Have you noticed lately when you go to the grocery store that the section for barbecue sauce is expanding? What used to be a market for only a few different brand names of virtually the same basic tomato based sauce is now a wide selection of sauces made by both big corporations like Kraft or Bulls Eye, to smaller companies who are only focused on their specialty sauces. From the Chicago based Sweet Baby Ray’s, to the North Carolina style Scott’s, they are all out there somewhere to be purchased. Some are nationally sold, others regionally, but with the ability to now purchase nearly anything via the Internet, you can even buy local sauces made in the Carolinas, Texas, or Kansas City. Don’t forget Memphis too.

Barbecue sauce has nearly surpassed all condiments in total sales, and increases as new products keep emerging. It seems once one brand adds a specific flavor, like a hot variety of sauce for example, then every other manufacturer follows suit. When a trend takes off within a specific market, it does not take long now in our automated world for the word to get out. Production seems to start instantly on new lines of products in all things, and barbecue sauce and its market is no different.

This up trend in the barbecue sauce industry has opened the door for any new upstarts to fight their way into the market. If you are a master griller who has come up with your own fantastic sauce recipe, it might be the time to begin bottling it and selling it. Another way to get your name out there is to enter some cooking contests with your sauce, and a few good showings or victories at these events will get your name out there as well. So don’t underestimate your culinary skills and don’t be afraid to put your sauce on the map.

More and more in every industry single individuals are making their products known to the world and selling them with success. The barbecue sauce industry is booming in this way, often through restaurant owners bottling and marketing their secret sauce to the public through their establishment as well as to local markets and on the Internet. Local sauces that were once unknown to the world are being presented to a much bigger market now with so many avenues of advertising available today.

05.30
15

Is Whole Life Insurance Investment a Worthy Investment

by como ·

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

05.29
15

What Are The Financial Benefits Of Starting An Online Business

by como ·

What Are the Financial Benefits of Starting an Online Business?

It is all over the news and if you have missed it, the rock you have been under is larger than Texas. The economic downturn has affected all of us, some more than others through. In today’s tough economy people are looking for more financial benefits by starting an online business. Many people start looking for two reasons; they lost their job and are looking for a way to make a living or they are working on a Plan B. Plan B is your back up plan when Plan A does not deliver or is no longer a viable option. In this article we are going to go into a few benefits of starting an online business.

Cost Factor

The first thing that comes to anyone’s mind when starting a business is the start up costs. What is great about an online home business is saving the time and money looking for a place to run your business. Many people may already have a spare bedroom or an office area that they could do a lot of this work. You will want to consider though that you will also need a domain name and website to get started.

How Much Will You Need?

That is a very good question that I get asked a lot by people starting out. This cannot be answered with a certain number because there are many different opportunities and business ventures. There are opportunities that you could sell products or services, or be more of a consultant. Products just like consulting packages could not only keep you very busy but could bring tremendous profits. Although you could do a little of both, remember many times with a product you have to make an investment in inventory. I have seen initial investments from $50 to tens of thousands of dollars; it is really up to you.

What Else is Needed?

I am going to let you in on a little secret that many people want you to think otherwise about; when you start an online business it really takes more time than money. One great example of this is article marketing, although one of the most popular strategies it takes a good amount of time. Article marketing is when you write an article on a specific subject to submit it to many different article directories. As other people read your article there are links you can add which drive people back to your site.

Are There Other Ways?

Article marketing is just one of the many ways you can market your business online. You may not be a very good writer, but there are ways to promote videos or do some paid advertising that has quicker results. As with any online business venture I can only strongly recommend you have your won blog. Not real sure what a blog is? Then you need to read my article called “Can a Blog Make You Money Online?” This will help you understand a little bit more about blogging. A blog will attract an endless amount of followers in which you can market to as long as you provide valuable content on a consistent basis.

Once Was a Pipe Dream

Before the internet came to be building your own business could be what some call a “pipe dream.” With the power of the internet and you being able to leverage it, it is no longer a pipe dream. If you are willing to invest more time than money, have the mindset that you can learn something new, you too can have a prosperous online business.

I have found many financial benefits from my online business. From tax write-offs, lower clothing allowances, and lower fuel costs for my car. Besides the financial benefits, I also feel healthier because I no longer have the stress I once had working 70+ hours a week.

05.27
15

Banking Software Solutions To Increase Efficiency And Profitability

by como ·

Today the global banking industry is slowly recovering from the credit crunch and the subsequent financial crisis. Though the overall industry growth is considerably slower, profitability is showing a marked improvement. However, today banks are facing many stringent regulations and risk management standards, imposed as a way to restore the customer confidence in the banking industry. This (regulatory norms) coupled with the economic conditions have made the banking industry highly competitive.

Banks today are transitioning to a universal banking model as a means to control costs and increase profits. The universal banking model is a corporate structure where a financial services company offers both investment services and commercial savings and loan services together. Simply put, it is the marriage of retail banking with investment banking. Touted to be the best possible solution for the current problems of the banking industry, universal banking model changes banks to one stop source for all kinds of financial services. According to Bank of America’s Brian Moynihan, the model (Universal banking model) is the most important model there is because it gives consumers access to global information, capital markets, investment advice and basic banking all in one place. Hence, apart from doing their regular services such as checking, savings, and loans they would tread new terrains such as peer-to-peer lending, micropayments, collaborative financial planning, and social savings.

The implementation of new regulatory directives such as the Foreign Account Tax Compliance Act (FATCA) and anti-money-laundering rules has made regulatory compliance a critical factor in day-to-day operations.

Hence, today the banking industry needs banking software solutions to
comply with regulatory requirements
make business lines more efficient
understand their customers more greatly
increase profitability
reduce costs

Banks can tide over the issues of ageing technology, complex processes, and low efficiency by collaborating with industry experts who can help build and support banking software solutions. Such a move would help banks to
Leverage SaaS models to incorporate SOA best practices
Develop financial reporting products that implement XBRL standards, adhere to SEC norms and generate statutory reports
Design lending applications that integrate with credit bureaus and credit reports
Develop frameworks for fraud detection and prevention
Build financial analytics and business intelligence tools
Migrate legacy banking software to a Cloud Computing model
Ensure banking software compliance with MiFiD, Basel II, trading & broking KYC and anti-money laundering regulations
Develop mobile banking applications

Thus by embracing innovation, the global banking industry is looking towards changing the landscape of this sector.

05.26
15

Some Acceptable Financial Sources And Requirements To Study In Australia

by como ·

Do you want to go to Australia to study in the colleges of the country? Make sure that either you or your sponsor has enough financial strength to pay your charges while you are in Australia. Your tuition and living expenditures are going to be a heavy burden on the finance, so you have to be very careful about the restive expenses that you incur.
Sources:
There are some acceptable sources from where the money for you and your family can be obtained. Some of these sources to support you are:
If you, your spouse, your brother or sister, your parents and your grandparents have a money deposit with any financial institution for 3 months or more prior to the date of your visa application then that can be considered as a reliable source. You may have an uncle or aunt living in Australia or are either a citizen /permanent resident of the country or an eligible citizen of New Zealand, and then also you can take support from their financial account for immigration to Australia.
A financial institution may have granted a loan to or in the name of your spouse, your brother or sister, your parents, your grandparents and last but not the least you. Your uncle or aunt who usually lives in Australia and is either a citizen/permanent resident of the country or an eligible citizen of the country of New Zealand, then a loan by a financial institution either to them or in their name is an acceptable source. For a student visa in Australia:
You may get a loan from the government of your home country.
Your proposed education provider i.e. the college, university or institution can also provide you a grant which is acceptable and adequate.
The Australian Government or a State or Territory government in the nation can render you a financial assistance
Any foreign country government can lend a help
You may obtain a loan from a financial or state government of a foreign country that has the written support of the national government of the said foreign country.
An organization under the statutory control of a minister can also give economic help
A non-profit enterprise which is admissible according to the policies of Australia
A multilateral agency can also render financial support such as United Nations, World Bank or Asian Development Bank.
Proofs and documents for bank deposits:
After you immigrate to Australia do not give anybody the chance to question your ethics and integrity and always keep the evidence of the source of money ready. You may have a money deposit in a bank, for this the required proofs are:
Pay slips of the bank
Bank loan documents
Interest that you get from the investments.
Documents for loans:
A loan demands the following evidences:
A bank statement clearly showing the credit amount available.
A statement from the individual who took the loan that its purpose is to support your studies.
If you are interested in applying for Australian student visa and study in one of the prestigious institutions in the country of emu, then get ready with the assortment of documents to the land of the golden wattle.

05.23
15

Pre-employment Screening Of Doctors

by como ·

Verification Of Professional Degrees

Among other things, doctors as a profession and Healthcare as an industry share a common need a good reputation. For doctors their good name is as important as their medical skills and abilities. For hospitals, an excellent reputation is as desirable as modern equipment and the best facilities.

A good name, like good will, is got by many actions and lost by one.. Lord Jeffery

When the good name is brought into disrepute it is the hardest of tasks to remedy. That is precisely the predicament in which Delhi hospitals find themselves.

Over the last few months there has been a spate of reports in various media about unscrupulous people practicing medicine and masquerading as doctors. They have been carrying on their wicked work without the education, training or qualifications to do so. These quacks have even infiltrated the sanctums of private hospitals and are no more confined to the narrow lanes and backstreets of crowded slums and unauthorized colonies.

Reports reveal that the problem is rather large and widespread. Large enough to be alarming. The, now dissolved, Medical Council of India had estimated that the number of quacks operating in the Delhi region would be about 40,000! Now compare that number with 45,000 (DMC database), which is the number of genuine registered doctors.

The erstwhile Medical Council of India (MCI) and the Delhi Medical Council (DMC) have been working hard to get a grip on the problem and clean out the Augean stables. As a result of their efforts some 25 fake doctors were discovered working in respected private hospitals. These quacks have been suspended – with police cases filed against them – and are now enmeshed in the judicial process.

The lesson to be taken from these findings is that hospitals should wake up quickly to the vital necessity of verifying the educational and medical qualifications and antecedents of the medical staff they hire. They cannot afford being tarnished by the bad reputation that comes with hiring quacks and other unqualified medical personnel.

Background Screening and authentication of education qualifications should be rigorously carried out along with checks of professional degrees and references. These checks are especially crucial in an industry such as healthcare where the price of wrong hiring could be the loss of a life.
In a recent AuthBridge study, Background Screening Trends: October 08 July 09 it was found that 69% of discrepant cases relating to education were due to fake/forged documents. The bigger picture is even more disquieting. They show that 30% of all the cases we handled were discrepant – for a variety of reasons. Of these the majority pertained to false and fake qualifications. While these statistics do not directly relate to the medical profession, it is a pointer to what could be the magnitude of the problem facing it.

While hospitals of all hues and sizes need to be alive to the seriousness of the problem, it is also important for the various medical governing bodies to conduct checks of their own. They too have to retain their good name and integrity of their associations. The reconstituted Medical Council of India has to work, now and in its future avatar, to safeguard its international reputation too.

The following quotation is rather apt in the light of the problem. A good name is better than precious ointment (Ecclesiastes 7:1).

Read More: http://www.authbridge.com/resource-center/industry-updates.html