Archive for the ‘Banking’ Category


California Law Just Got Tougher For Those Who Would Commit Financial Elder Abuse

by como ·

California is anticipated to pass three new bills that would strengthen elder abuse laws in the state. Among other things, the definition of undue influence would be updated as it relates to financial elder abuse. Notary Publics are now required to report suspected financial elder abuse when they identify it. These new requirements are meant to strengthen laws that protect vulnerable senior citizens from financial elder abuse. Oakland financial elder abuse attorneys say that these new laws are a welcome tool that will help combat financial fraud against the elderly.

Recently, California regulators have been accused of disregarding or ignoring complaints of elder abuse. According to a report issued by the Center for Investigative Reporting, in 2009 the California Department of Public Health ordered it’s investigators to dismiss about 1,000 complaints regarding financial elder abuse and theft. What this means is that those 1,000 complaints may have been closed without investigation. Oakland financial elder abuse attorneys say that every complaint of financial elder abuse and neglect deserves to be investigated.

Unfortunately, many cases of financial elder abuse are perpetrated by family members that were trusted to look after the best interests of their loved ones. Once a power of attorney is given to a family member, they have control over the finances of the senior citizen. Often, that leads to financial elder abuse. When financial elder abuse is committed by a family member, it is less likely to be reported. Oakland financial elder abuse attorneys remind the public that the instances of financial elder abuse continue to increase.

Assembly Bill 477 requires Notary Publics to report financial elder abuse when they suspect it. Assembly Bill 140 updates the definition of undue influence related to financial elder abuse. Assembly Bill 381 allows the court to give attorney’s fees and costs in scenarios where senior citizens are financially abused by people who have the power of attorney.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at


How to Transform Yourself and the World About You!

by como ·

This is part of a series of vital, urgent articles designed to help humanity through the forthcoming years. There will be difficult times ahead. However, it is much easier to see the light when in a tunnel.

-Call it a spiritual teaching, and from this perspective the human race will be given the opportunity to transform. In short, we-the- people must work together. We must define the rules of engagement and take back our sovereign power and rightful ownership over this planet. We have reached the beginning of a significant time period whereby there is a window of opportunity for planetary transformation to occur. This has to be done. To be bluntly realistic, it is a do-or-die situation.

This and the other forthcoming articles have four common characteristics:

They contain the four stages that provide the necessary knowledge for humanitarian understanding and how we can be co-creators in birthing a new paradigm experience. The stages are.

Get The Realization

…That things are seriously not right on this planet. You have been massively deceived. Just about every subject under the sun: Business, banking, finance, politics, the military, science, energy, education, academia, the entertainments industry, history, ancient history, archaeology, the medical pharmaceutical, religion and the media …etc. is routed in lies and deception.

-All this fraud has been shaped by a relatively small number of individuals to keep their matrix of control over the planet. Sometimes known as the ‘dark cabal’ they comprise a number of extremely wealthy families and associates. Besides having the hold on banking and finance they also own the world’s major commodities: weapons, oils, drugs and gold… Their network of control is leveraged by the profits made from these commodities. Meeting in groups or secret societies they discuss their ongoing hidden agenda plans for enslaving humanity through global domination. This has been going on for centuries over the family generations with their associates.

Their plans have been very effective. With the help of their puppet people associates, every action planned and implemented towards enslavement has been done in small baby steps so that it basically goes by unnoticed by the rest of the population over the years. They own and have controlled the mass media; suppressing or filtering out any information revealing their ulterior motives.

-In short, stage 1 is the realization; an understanding of how the above works. How it affects and limits your freedom.

The enslavement agenda has now reached a critical point, which indeed, leads to the next stage, the conclusion that… something has to be done that will lead to our own peronal and group transformation. I will go into what needs to be done in further articles…

If you liked reading this article then go to for more related articles including a free download PDF. NewParadigm is a portal to transformation, consciousness, spirituality, mind, body, health, alternative media and much more… Hosted by Paul A Philips. Once again the link is:


Investment Banking Career Change Creating An Investment Banking Cover Letter That Gets You Noticed

by como ·

When it comes to your career, you may not be happy with what you are currently doing. Have you thought about an investment banking career change? It is one of the most lucrative and satisfying careers to choose and if you have the right help, you can find employment rather quickly.

Helpmegetajob provides that help. This website was created for people just like you that want to improve their quality of life with an investment banking career change. It is full of information and training resources to help you find just the perfect job in the investment banking world. You need this information so you can advertise yourself correctly. In todays investment banking, you must sell yourself to potential employers.

This site was created by investment bankers and financial experts that have over six years of experience. Over 100 people have found their way into investment banking with Helpmegetajob. Once of the best aspects of this site are the seminars offered by Marathon Financial. These seminars are designed especially for those people that want an investment banking career change. For example, one of the seminars will show you the top ten tips for getting hired into the highly paid investment banking job force. You will learn how to complete applications and how to have an interview that puts your name to the forefront of all applicants.

You will also find courses on personal development and even commodities. Despite all of the worlds economic problems, commodities are one area that is still recruiting people. You will learn how to design an investment banking cover letter that will introduce yourself to prospective employers in a way that makes them want to meet you. There are also seminars on how to create the right resume. Since a cover letter and a resume are often the first impression a prospective employer will get from you, its imperative that they are concise and perfectly formatted. Errors, any errors, can quickly cost you the job.

You will also find a terrific resources section that offers advice on cover letters, resumes, interviews, and important techniques to make sure you get the job offer, not another applicant. Listen to Al Pacinos Inspirational Speech to get you motivated for your upcoming investment banking career change. There is also a half hour video with Richard Branson, one of the wealthiest people in the world. Watch this incredible interview and see if you dont feel like you can accomplish anything.

Helpmegetajob also offers one-on-one coaching to see what improvements you can make on your way to an investment banking career change. They will offer advice on your investment banking cover letter and resume. With the Elite Investment Banking Coaching Programme, you will discover some things about yourself you didnt know, such as your strengths and weaknesses when it comes to landing that dream job.

If its time for you to make a change, then Helpmegetajob is the place to go. With its comprehensive services, youre sure to land that one investment banking job that is perfect for you. While it may not happen overnight, you can be fairly certain it will happen. Take charge of your life. Make the change over to investment banking. Years from now, you will be very happy you did.


ABSA Internet Banking Online Amalgamated Financial institution of South Africa

by como ·

The Amalgamated Bank of Nigeria, commonly known as the ABSA Bank, is South Africas largest financial services provider bank. Additionally, it provides ABSA internet banking and offers one of the most economical, fast and efficient products and services not only to its individual customers but in addition to commercial and corporate customers who would like to make the usage of ABSA internet banking.

The ABSA bank provides a number of benefits and features to its large client base. ABSA internet banking services are availed from the clients to pay for bills online, check and verify account status, monitor transaction history, submit an application for finances, get yourself a print of numerous transactions, transfer money from and to your own accounts or other banks accounts, keep close track of any suspicious activities linked to financial account, personalize their account operation settings, and much more things.

The ABSA bank is really a Barclays Group associate bank having its headquarter in Nigeria. The most excellent attribute of ABSA internet banking is you can have completed all your banking related transactions effectively while sitting at your own place of residence without moving an inch. To go for ABSA internet banking services all you require to accomplish is to develop a request form and submit it to your nearby ABSA bank branch. The client is then be given a individual login id and password by which he or she can access the internet portal from the ABSA bank and acquire the advantage of every one of the ABSA internet banking facilities offered by them.

Please require a note that as a precautionary measure you must change your ABSA internet banking password frequently and regularly by adhering to the guidelines provided inside the banks website to ensure a secure and safe transaction each and every time you use ABSA internet banking services. Avoid documenting your ABSA internet banking pin number anywhere unsafe. Bear in mind your ABSA internet banking pin number to obtain a secure and safe banking experience. There are plenty of fraud email messages which request your bank account related details. Never turn into a victim of such fraudsters.

An advanced valued client of ABSA bank who would like various banking services besides just operating banking account then ABSA internet banking is the ideal solution for you personally. ABSA internet banking has become a primary necessity nowadays as people like to control their accounts while sitting at any location whenever you want away from the bank. The customers can also reference ABSA internet banking FAQ section on the banks website for any inquiries or questions coming up in their minds. They, alternatively, could possibly get in touch with customer service executives or ask banks toll free number provided over the internet.

Besides ABSA online banking services, customers can also use Phone and Mobile banking services offered by the bank to have access to their financial records even when there is no accessibility to internet. ABSA online banking provides safe and secure banking experience and safeguards the eye of the customers and many types of their transactional details efficiently.


Choosing The Correct Receipt Printer For Your Business

by como ·

So you need a receipt printer but are baffled by the different types and models out there? This article takes you through the different types and explains which type is suitable for which environments making your decision easy and informed.

There are 3 main types of receipt printer

Thermal receipt printer

Thermal printers are now the most popular choice of receipt printer as they are often the most reliable and easy to use as they do not require any ink or ribbons. The technology relies upon chemically treated paper that is sensitive to heat. The printer heats the paper via holes in the print head to create text and graphics. Thermal printers are also regarded as the fastest type of receipt printer printing up to 250mm second making them very suitable to fast turnover environments such as supermarkets and high street retail.

The one downside to thermal receipts, due to the technology, is that they fade in sunlight and can turn black and unreadable if subjected to heat. Thermal receipts are therefore unreliable for businesses that require their receipts to remain readable for long periods of time due to regulations. Dual colour can be obtained by some models at the higher end of the market with special paper but the results can be disappointing and the technology is rarely used at present.

Thermal receipt printers are generally recommended for high turnover/ general retail and hospitality front of house.

Impact printers

This type of printer generally requires a ribbon which holds the ink like a typewriter and uses an impact mechanism that stamps the characters through the ribbon onto the paper. Some printing devices can utilise paper that contain mcrocapsules of ink embedded into them that burst upon impact and therefore do not require ribbons. Impact printers are easy identifiable as they are considerably noisier that other types of printer and are generally considerably slower than thermal printers. Impact printers are commonly the type that offers models with a two and three ply paper or a second roll for audit purposes. In recent years and in most environments this type of printer has been superseded by thermal printers due to their speed and lack of a need for consumables other than paper.

In certain markets impact printers remain dominant as in the banking and gaming industries. Kitchens in retardants and pubs tend to use impact printers as the receipts can not be erased by the heat. Some industries such as banking and gaming have regulations regarding certain types of receipts and about the length of time receipts are required to remain readable. Ink based receipts last considerably longer than thermal receipts and is therefore used by these industries as standard. It is worth noting that ribbons come in different colours such as purple, black, red and dual red/black with the latter ribbon being used to highlight certain transactions types such as refunds in red.

Impact receipt printers are recommended for kitchens, banking, gaming, and low turnover retail and hospitality environments.

Inkjet receipt printers.

Inkjet printers are regarded as the successor to impact printers as they also use ink but they offer a superior printing quality. Most inkjet printers allow printing via ink cartridges in two colours with normally a mix of black, green, red and blue. Businesses spend a great deal of time and resources on brand recognition and using colour is a popular way of doing this. The technology can also be put to great use by printing colourful advertising or promotions on the receipt thus generating return visits from the customers.

In reality the take up of inkjet receipt printers has been minimal. This is thought to be due to a couple of reasons, firstly it is perceived that the changing of ink at the till point is tricky and time consuming and secondly the speed at which these printers operate is considered too slow for major retailers to adopt. Inkjet receipt printers do however offer the same longer lasting receipts as impact printers making them suitable for most business types.

Inkjet receipt printers are recommended for low turnover retail, banks and gaming industry.

Manufacturers. So what brand should I go for?

This market is well serviced by numerous manufacturers with a wealth of choice and price range. As with many markets there is a huge influx of far eastern models at rock bottom prices. As with most things that you purchase, you get what you pay for and it is worth noting that with the major manufacturers you tend to get better products that last longer and receive better support if something goes wrong. Remember if your receipt printer stops working you will find it very difficult to trade. General speaking the faster the transaction rate of your business the higher investment you should make in your choice of receipt printer.

Anything else?

Remember that the receipt printer you choose has to work with the software and hardware that you are going be using. Firstly check with the software supplier which brands and models the software supports. Also check that the printer you intend to buy has drivers for the operating system that you are going to be using. Lastly, ensure the printer has the right interface for the hardware that you are going to be using. Common interfaces are USB, Serial and parallel however Bluetooth and wireless are quickly gaining ground.


Why To Select A Carrier With Oicl, Saraswat Bank & Idbi Bank Recruitment 2013

by como ·

The next generation is more inclined to serve in the corporate. The fresh graduates are now more inclined to take up the insurance and banking jobs. The young graduates dream to earn a white collar job which gives a hefty pay package. Most of the students with the commerce background always prefer to go for the banking and insurance sector jobs since they are able to utilize their knowledge in a better manner in the financial sector. In the recent times, the finance industry has been passing through a tough phase; but as per the experts the banking and insurance jobs are rising with progress in the recent years.

Most of the jobs of Oriental Insurance Company Limited (IOCL), which can be well availed through the OICL Recruitment 2013, are expected to be of administrative nature. There are many jobs for back office support. According to the market studies, there are at least 65% of jobs, which are targeting for the back office support. The banks offer the best opportunity to recruit the fresh graduates and thus with a better working conditions banking jobs are now topping the list of preference for youngsters in India. The educational qualification required for the IDBI Bank Recruitment 2013 is normally graduation and above. These jobs are the most in demand for those candidates who graduate from the management schools. Moreover the jobs in the banks may fell odd during initial stages (as you are not aware of the exact banking procedures), but the job security is tremendous and it offers you a sector to learn and implement your ideas at random. You can easily get the promotions according to your performance, as well.

The banks fill the vacant positions by hiring the students right from the campus and thus the banks are able to get the best students with excellent qualifications. It is a dream of every individual to work in the banks. In India there is no dearth of jobs in the banks. With the expansion of the banks and also the finance as well as insurance sector, the numbers of jobs available in the banks have increased a lot. In the Saraswat Bank Recruitment 2013 there are several openings available which are suitable for almost all categories of youngsters. All the private sector banks offer excellent pay package according to the profile of jobs. Even if the applicants are freshers, they can get a good start in their career with banking and finance sector.

The perks offered by the banks and insurance sector are normally performance driven and are considered excellent. Even there are many opportunities these days with nationalized banks and with a seer dedication and confidence, one can find a good career in banking and insurance sector as a beginning. With versatile expansions and rigorous growth in these two prominent sectors of banking and insurance, the career opportunities galore and you can always have a good start as a foundation step for your career.


ChexSystems Banking vs. Consumers

by como ·

Today, more than 20 million US citizens are living without a bank account. The primary reason is due to ChexSystems’ dominating presence within the consumer banking world. It is estimated that over 80% of all banks and credit unions in the United States, use ChexSystems to verify new customer accounts. Most individuals listed in the ChexSystems database were reported due to mishandling of their checking accounts, while the rest were attributed to abuse, fraud, or errors.

Within recent years, many websites have sprung up on the internet offering help for people listed on ChexSystems. Services vary among these sites, ranging from free information to paid memberships. No matter where you turn, there are countless numbers of “victims” venting their frustrations through the use of public forums and message boards.

Most of the frustrations shown by “victims” of ChexSystems seem justified, but even then there are always two sides to every story. Most “victims” feel that 5 years of being “blacklisted” is punishment beyond justification. And if reported in error, even worse a punishment. In addition, many have complained that the banks give no breaks when it comes to consumer mistakes, but are quick to cover up their mistakes when the banks are at fault. Banks, on the other hand, justify using ChexSystems to protect their assets.

Either way you look at it, ChexSystems is a much needed organization in the banking industry. Without ChexSystems, banks would go bankrupt without this type of asset protection against con-artists and account abusers.

The real question is how fair is the punishment for the consumers who innocently have fallen into tough financial situations, and as a result defaulted on their bank account. Is it fair to “blacklist” all consumers the same way regardless of their banking history? These are just a few of the questions that need answering before any proper reforms can be reached.


Save your baby’s cord blood through Cord blood stem cell banking

by como ·

Hello, I am John Franks and I am writing this to share my ideas on Cord blood stem cells. Cord blood is composed since it contains stem cells, as well as hematopoietic cells, which can be used to care for hematopoietic and hereditary disorders. Although the cord blood does contain stem cells, there are usually not enough stem cells in one unit of cord blood to treat a mature patient. The placenta is a much better source of stem cells since it contains up to ten times more stem cells than cord blood. The use of cord blood stem cells in treating situation such as brain injury and type I diabetes is already being studied in humans, and earlier stage research is being conducted for treatments of stroke, and hearing loss. However, apart from blood disorders, the use of cord blood for other diseases is not a routine clinical modality and remains a major challenge for the stem cell community. Cord blood stem cell banking is an once-in-a-lifetime chance to save our baby’s cord blood stem cells for possible medical uses. Collecting cord blood is a simple, safe, and effortless procedure that usually takes less than five minutes and happens immediately after birth. After the umbilical cord has been cut, the left over blood in the twine is composed. The cord blood is then shipped to the laboratory and ice-covered in cryogenic storage tanks for long-term preservation. Our baby’s umbilical string and cord blood contain lifesaving trunk cells. With Cryo-Save, Europe’s leading stem cells bank, we can save them for a lifetime; thus giving your offspring the best start in life and peace of mind for the future.

At current, umbilical cord blood stem cell storage is done for management of certain high-risk illnesses. In together vaginal and cesarean deliveries, group of cord blood is done before long after delivery however, quantity of cord blood collected in case of caesarian deliveries is less. The process for collecting cord blood is carried out by a practiced midwife or a medical doctor. Months before your due date, the cord blood bank sends you a group kit that contains everything that is needed for the process. The bank also sends your OB or Midwife commands to make sure he or she knows how to collect the blood. When baby is born, and the umbilical cord is cut, the OB or Midwife collects the blood from the left behind umbilical cord and placenta (not from baby) into a needle or blood bag. This cord blood stem cell, banking, storage are the best thing for our babies for saving life for them.

About the Author:

This article is written by Jackson daren this is having topics on Cord blood stem cells, Cord blood stem cell banking, cord blood stem cell storage and many more. For more:


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

by como ·

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

SSC recruitments for govt posts

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

Strengthening SSB through recruitment drives

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

SBI as prospective employer

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

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


What Does Mobile Banking Mean For Retail Customers In India

by como ·

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

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

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

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

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