Articles from: October 2017

Tips For Individuals Who Want To Borrow From Private Money Lenders

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If you are one of those who are looking for private money lenders, this could be an indication that you have just fallen into a financial emergency. This happens to almost anybody not only in the United States but all across the world. To date, the fact remains that there is a very small percentage of the society that does not run out of money but a big part of the population needs options just in case they do.

For some of us, borrowing money from family members is not an option so is borrowing through credit cards either because you have reached your credit limit or you have a bad credit. This is where private money lenders come in. Individuals who have gotten into an unexpected expense but do not have the cash at this moment are the most common borrowers of private money loans. Private money lenders offer short term loans to people who have had a hard time borrowing money from banks or other traditional lenders.

If you need to borrow financing from private money lenders, collect personal data that may be relevant to your search for lenders. Gather all important papers in advance. Oftentimes, you will need to present a proof of income and other financial documents including bank statements in advance. You can search for lenders online. You can find them listed in the investment bank section of your Yellow Pages. You may also look for names on the Internet. Asking contacts from banks or credit unions will also be helpful. These financial institutions will be able to assist you in finding lenders in your local area.

Once you find a private money lender, be prepared to explain you situation. Ask for a loan application form and fill it out. Be honest with any information that you put in your application. Lenders will have their ways of finding out whether or not you are telling the truth. Always ask for a timeline so that you will have an idea as to when to expect feedback.

If you are borrowing private money loans to finance your real estate investment, prepare exit strategies that you can use as fallback. For instance, you can sell the house after two years. You may also choose to apply for refinancing. Finding private money lenders is not as difficult as what most of us think. Maximize your resources and you are sure to find one who can help you with your needs. For a list of lenders in your area, go to www.rehabhardmoney.com.

Nabard, Hdfc, City Union Bank

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National bank for agriculture and rural development is set up as an apex development bank with an authorization which provides credit flow for the development and promotion of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts. This bank provides finance to the farmers so they can cultivate good crop and can expand and develop the agriculture. Nabard was established on 12 July 1982. This bank is the apex development bank in India having headquartered based in Mumbai, Maharashtra and this bank offers training and research facilities for banks, cooperatives and organizations working in the field of rural development. Similar to other bank this bank also invites application from the Indian national to fill the vacant post in different branches of the bank. The Selection process for all the post will comprise a written test and the candidates who are successful in the written test examination will be called for a personal interview. The official website of this bank provides the detailed information regarding the recruitment and the selection process.
HDFC bank
HDFC i.e. Housing development Finance Corporation is the major Indian commercial bank that was incorporated in August 1994. This bank was promoted by the housing development finance corporation, a premier housing finance company (set up in 1977) of India. Apart from the banking and financial services this bank also provide recruitment for all the eligible candidates who dream of having jobs in banking sector. Basically the selection process is based on GDs and personal interviews. The applicant can apply through online application during the opening of vacancy. If you are the fresher and want to explore the career in banking sector then the HDFC bank recruitment 2012 is the best option to start your career.
City Union bank
City union bank is the Indian regional bank started on 31 October 1904 in the Thanjavur District Tamil Nadu. This bank was popularly known as ‘The Kumbakonam Bank Limited’. The first Branch of the Bank was opened at Mannargudi on 24th January 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years. This bank also invites application from eligible candidates to fill the vacant post. The selection process is based on written test and interview. The written test comprises of four sections test of reasoning, English, Quantitative aptitude test and Test of General & Financial Awareness. The selection process and eligibility criteria keep on changing every year. So the candidates must read daily updates in newspaper and also in official website of the bank.

Secret Offshore Bank Account – Is It Possible

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Secret offshore bank accounts are the stuff of legend. This article intends to debunk some of the myths about secret offshore banking by setting out what is and isn’t possible.

1) It’s impossible to open an offshore bank account without first somehow identifying yourself. This means sending a notarized copy of your bank account/passport details to the bank or intermediary.
2) Most offshore banks will also require a reference from a bank at home.
3) If you open an offshore account in the name of your offshore company, you still need to provide all the formation documents, and the name and address of a real person. No bank will let a faceless entity open an account without pinning it down to a real person.

So how is it Secret?

Well, the reasoning behind all this, is that if you open an offshore account the bank may let you have a ‘number’ rather than a name. This so called ‘numbered account’ allows you to send wire transfers without third parties knowing who you are. An account in the name of a company will do a similar thing, allowing you to send and receive payments almost anonymously, because the company name rather yours will show up on all transactions.

The problem is, this doesn’t shield you from government inquiries. If for example a government authority suspects you of having an undeclared offshore account, that you are hiding money from your spouse or otherwise engaged in funny business they can go to the country or bank in question and request your details. While some countries will reject the majority of these requests others are more pliant.

Switzerland and the Cayman Islands are two in particular that co-operate with US and EU authorities. Although both have strong bank secrecy laws on paper, these are not so closely followed in practice. Swiss banks UBS and Credit Suisse have made headlines recently over IRS investigations into US held offshore accounts.

The truth is, if you really want a secret account you may have to look further than ‘traditional’ tax havens. That means jurisdictions without tax-information exchange agreements or other links to high-tax countries.

Another option is using an offshore bank account alternative. This could be (for example) sending your funds to a trust company which then opens a bank account for you in their name. Although this is also not 100% foolproof, it does offer another level of privacy in the same way that an offshore company will shield your identity.

Whichever option you choose to take, it pays to follow some ‘golden rules’ of privacy:

1) Limit the number of people who know about the offshore bank account to as few as is humanly possible.
2) Fund the account with a cheque or western union transfer, rather than by wire from your home bank. 3) Never send funds directly back home from the offshore account.

Good luck!

Online Business Bank – What to Look For in an Online-Enabled Bank

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Are you considering moving your banking to an online business bank? For many business owners, this will be a very good move! It means that you will have access to your banking information from anywhere. This is increasingly important since so much business takes place online to begin with, and so many companies have complex relationships with international partners. No longer can businesses be confined to dealing with banks in their local area that require you to stand in line, take a number, and fill out reams and reams of forms to accomplish the most simple task! By contrast, your online bank offers freedom and convenience.

Some people are concerned about the technology and security issues involved in an online business bank. In truth, there is not as much to worry about as alarmists would have you believe. As with anything, there are some basic, proper precautions that you should take to ensure that your information remains safe. When you are accessing your bank information online, you should use a web browser with a high level of encryption. “Encryption” represents the level of security that makes your data unreadable by hackers when you are on the internet. You should also change your banking password fairly frequently.

One of the most convenient aspects of an online business bank is the ability to deal with some kinds of transactions using your phone. Your phone or other “smart” device will be able to access your banking information from anywhere! But many people have some anxiety about using a wireless device to access their bank. To ensure that your information remains safe from scammers, always be sure to access your bank in a safe environment, over an encrypted connection. (When you are on wireless, an “encrypted” connection is the kind that requires a password.) Do not access your bank from internet cafes, and limit use in hotels and airports.

Millions of people are abandoning the traditional, old fashioned model of what a bank should be and embracing the online business bank. This kind of bank is truly the future of the financial world. Likewise, there is nothing to worry about in terms of safety and security when you deal with a reputable bank online. Like so many others, you will quickly find that the speed and ease of use outweigh any concerns.

Mechanical Trading System Eliminates Subjectivity, Confusion, Hesitation & Missed Trade From Your Day Trading! Read On To Find More

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You must have often come across the term Mechanical Trading System. Mechanical Trading System is basically a ‘packaged expertise’ in forex, futures, stocks and options trading. Usually highly experienced traders develop these kinds of systems. They package their trading experience into a set of ‘top secret algorithms’ that remove all the uncertainty of the trade.

As perceived by some inexperienced traders, mechanical trading systems are not scams. They have their uses and legitimate day traders and trading professionals do use them. However, there is a world of difference between using a mechanical trading system and being a skilled trader yourself, think of it as the difference between having power tools and being a skilled carpenter.

What Is A Mechanical Trading System?

A mechanical trading system uses historical parameters to determine when certain trades should (or should not) be made. They have usually been back tested to check with existing market data, and they have specific entry criteria (buy EUR when price is at $1.20 would be one example) and specific exit parameters (sell EUR when price exceeds $1.22) to automate a lot of trading activity. These objective criterions are based off the accumulated data of hundreds of thousands of trades.

How Does A Mechanical Trading System Work?

Ostensibly, a mechanical trading system removes the emotional weight’ from trading activity, and prevents them from being blinded by greed. In practice, what it does is provide the trader who is overwhelmed with information that he is watching, with a filtered set of information to handle ‘baseline parameter’ trades so that he can focus his attention elsewhere. For beginning traders, they are an effective set of training wheels while they learn to do the research they need to make a more substantial and nuanced trading strategy.

What Are The Advantages of A Mechanical Trading System?

The primary advantage of a mechanical trading system is that it automates a lot of data gathering, and for a narrow range of trades, can effectively automate your day trading practices. Depending on which one you are using, it may be aggregating a lot more information than a beginning trader would consider boosting confidence in its trade recommendations.

Mechanical trading systems are also likelier to find an early entry point on a trade, and depending on how they are programmed, may be a good ‘conservative play’ for getting out of a trade.

The use of good mechanical trading system will eliminate all subjectivity, which can greatly reduce your trading stress.

TSUBOT by Tsunami Trading Educators, Inc. is one such system which analyses price volume & momentum in real time and gives out high margin 100% mechanical trading calls right from computers speakers.

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

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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.

Small Business Computer Consulting Additional Qualifications For The Sweet Spot

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To find the ideal clientele for your small business computer consulting, you want to target small businesses by their number of PC’s, (10 to 50) as well as their revenue. Generally, companies that have anywhere from 1 million to 10 million in revenue are the sweet spot of small business computer consulting. In this article, you’ll learn why you should target this type of business. {Tip: Of course if you’re located in Canada, the UK, Australia, New Zealand, or any of the other more than 21 nations around the globe where our training has been adapted, be sure to convert this to your local currency. (See )}

Beware of the high end of this range
Once small businesses get to the high end of that revenue range, where they start having substantially more than 50 PCs, or substantially more than $10 million in annual sales, often the small business owners lean towards putting a real, salaried IT person on payroll instead of using a small business computer consulting professional. That’s when you start running into some tough competition. At this point, your client will add up your services invoices and try to figure out if they can do it cheaper or more efficiently in-house.

Look for clients that need a real server
Another important aspect is to find small business clients that are big enough to need a real dedicated server. Once small businesses need a real server, they need a ton of other professional services to go along with it. And it’s very unlikely they can handle it on their own, with just an internal guru. Bingo-you become their outsourced IT department!

Multiple locations are a bonus
Sometimes a sweet spot client has one location. A lot of times there’s a main office and some branch offices. The branch offices present a big opportunity for your small business computer consulting because there’s usually a HUGE need for sharing data in real time among employees in different locations.

The Bottom Line about Small Business Computer Consulting
In this article, you’ve been learned more about how to find the sweet spot in your small business computer consulting business.

Health Care For Canadian Entrepreneurs The Most Sensible Option Is A Best Kept Secret

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The Shocking Truth is that you will only realize 70% of the value of a traditional health plan.

The reality is that for the small businesses (especially the sole owner type), monthly health benefit plans are designed to yield around 30% in profit for the Providers when it comes to routine health care expenses. On average, for a small business, you will only get out 70% of the premiums you put in – the traditional monthly plans are designed that way. And, if you claim more in one year, your premiums or limitations will normally increase to maintain that 70/30 ratio.

A Health Spending Account is a great alternative for entrepreneurs.

In contrast, a Health Spending Account (HSA) is far more cost effective for these routine health care expenses, without the artificial percentage and coverage limitations imposed by the insurance carriers. For example, most monthly health plans cover 80% for routine cleaning, up to a fixed annual limit per person. HSA’s have no percentage limits imposed – 100% is covered.

Monthly health plans typically cover only certain services. Few monthly plans cover things like glasses, massage therapy, orthotics, contacts, laser eye surgery, etc. A Health Spending Account allow entrepreneurs’ and their dependents to gain access to a full spectrum of health care services.

The final good news is that Revenue Canada (CRA) allows incorporated Canadian businesses to write-off 100% of the costs of a Health Spending Account, and all claim reimbursements to employees (and dependents) are completely tax-free.

Is it any wonder that today the majority of small Canadian incorporated businesses are now looking at a Health Spending Account, as either their primary, or secondary form of health coverage.

The bottom-line is that it is more economical to cover the routine costs, and the broader range of health care services through a Health Spending Account. In these situations, the monthly benefits plans are more restrictive, more costly and far less flexible.

The Revolutionary Concept of Cord blood banking is making life better

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The concept of cord blood banking can be considered a boon to mankind. Placenta and umbilical cord that used to be discarded by doctors after delivery has now become a lifesaver. These organs are said to have a lot of potential and the cord blood stem cells collected from them can treat several pediatric disorders.

Disorders that can be cured with cord blood:

There are several disorders that can be cured if you decide to get your baby’s cord blood stem cells stored after delivery. Some of them include: Multiple Sclerosis Stroke Cerebral Palsy Spinal Cord Injury Beta – Thalassemia Cardiac Diseases Diabetes Parkinson’s Disease Renal Cell Carcinoma Acute/ Chronic Leukemia Plasma Cell disorders Alzheimer’s disease Renal Cell Carcinoma

Procedure of cord blood banking:

Baby or the mother will not experience any pain during the collection of cord blood. The procedure is safe and it just requires few minutes. Once the baby is born and the umbilical cord is clamped and cut, cord blood is collected immediately. A special bag is used for storage.

What are the benefits of cord blood banking?

There is no doubt that the process of banking the cord blood is expensive but if you look at it as an insurance of investment for your child’s future, the cost won’t matter. There are many children all over the world who suffer from lymphoma, leukemia, thalassemia, sickle cell diseases and other disorders that can be treated with cord blood transplant. All these kids can be cured if cord blood stem cells were stored during their birth.

How expensive is cord blood banking:

There are many families that cannot afford to pay for banking cord blood stem cells. Private banking is high in rates since the storage procedure is complex. Cost is one of the main concerns that stops many families from benefiting from cord blood banking. A lot depends on the type of cord blood bank you have chosen. For instance, StemOne is one of the leading cord blood banks in India that has been successful in offering this service to many families since 2005. You can contact the bank for their rates and more information about their services.

So, if you really want to make sure that your child’s health is secure after his birth, take the pain of finding more information on cord blood banking.

Author Bio: Indrajit Roy is the business development head of StemOne, India. He has a bachelors degree in molecular biology and been actively involved in this field for several years. He likes to share ideas and recent developments in the field of stem cell treatment and cord blood banking through writing.

Choose Medical Equipment Finance To Remain With Technology Advancement

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Equipment leasing has become a better advantage with everyone of us. With technology advancement in every field, it has got hold of medical community too. Medical equipment can be so expensive and out of date in a matter of a few years that everyone is opting for medical equipment finance these days. Cash flow and patient care are the two major concerns on the mind of people who are into this business. It is a very sensible thing for hospitals and private physicians to do to keep up with the technology and provide their patients with the best health care.

You have option to buy the equipment anytime during the lease or even at the end of the leasing term. In this way you can know whether the equipment will be beneficial for you in the coming years before you make a huge cash investment. The biggest advantage is that you are able to keep the state- of -art. This ensures optimum patient care and improves profit. If you had the right medical equipment finance, you would earn quite a bit of revenue as your patients will be getting better equipped facilities and the diagnostic tools at their disposal for tests. What more you can expect when your obsolete equipment is replaced with a newer one with latest technology. Moreover, you are not stuck with an instrument that you cannot use any more or even resell.

You can acquire sonogram, endoscope, ultrasound equipment,surgery tools, oxygen tanks, optometry equipment, orthopedic equipment,medical beds, oxygen machines, wheel chairs, x-ray film processing equipment and so on easily with the help of a reliable equipment leasing company. When it comes to big hospitals or health care institutes, medical accounting equipment becomes essential for handling accounts receivable, payable and with other accounting roles too. It is indispensable for big health care institutes and seeking the help of financing company to acquire this equipment is necessary.

Typical lease terms are for 6 months to five years. And it is best if your cash is strapped or you want to conserve your cash for business. This will enable you to obtain the needed piece of equipment without a major cash outlay.

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