Sunday, September 30, 2012

Same Day Payday Loans: Easy Option To Avail Hassle Free Funds

Specifically designed for salaried people, same day payday loans is an urgent financial support usually preferred by the people. These advances are quite supportive whenever anybody needs instant funds to answer sudden trouble in daily life. As it is clear from the name itself, these loans get approval on the same time and within 24 hours the desired amount of the borrower directly transferred into his active bank account.

This credit is based upon the paycheque of the borrower and truly convenient to borrow and repay. The main feature of this instant loan is that it is especially drafted for urgency in the mid of the month. With this help, you can pay your need without any trouble and hurdle in the financial life. Borrowed amount can be used for:
1. Medical bills
2. Utility bills
3. Telephone bills
4. Electricity bills
5. Payment of loan
6. Home rent
7. School fee of kids
8. Expenses of tour

This advance approved without any credit checks. Hence, even with bad credit history and score, arrears, foreclosures and debt consolidation you can get quick approval. No security is required to place against the borrowed amount. There are some conditions of eligibility that needs to fulfill by the applicant:

1. You should be resident of UK.
2. You should have full employment.
3. Your age should be above 18 years or above.
4. Your job should be stable and working with same firm for the last six months.
5. You must have an active bank account.

Without credit check and collateral, this very short term loan gets approval instantly. You can settle the mortgage within through next paycheque or seven to thirty one days. As far as the credit amount is concerned, a salaried individual can borrow 100 to 1500 depending on his monthly salary. You can also extend the payment of credit for couple of weeks but you need to pay high interest rates. The fee is enhanced on extended duration of the borrowing.

Saturday, September 22, 2012

Mba Salaries And Working Hours

MBA salaries are a key factor which MBA candidates consider when selecting a business school. In this article we provide information about current MBA salaries as well as an analysis of working hours and hourly wages for various MBA job functions.

According to the QS International Recruiter Survey 2009, despite the recession, or perhaps because of the need to restore their reputations amongst top MBA candidates, banks in the US offered the highest total compensation to MBAs in 2009 at 0,000, ahead of Consulting - 0,000, IT - 0,000 and Energy - 8,000. All sectors, apart from Defense, Government and Transportation, offered total compensation ranging between US0-140,000.

Salary stagnation was a major concern for candidates this year as the gap between supply and demand widened. Recruiters have the bargaining power to determine how many jobs they will post and at what level they will set MBA starting salaries. However, employers surveyed stated that they planned to maintain salaries at 2008 levels.

According to the report, Western European salaries have been relatively stable since the crash. In reality, an MBA graduate today will face similar prospects on either side of the Atlantic. Salary levels in financial services and consulting are very similar in both regions as are technology salaries and those in general industry. The recent strength of the US dollar means that average European salaries reported in US dollars have fallen this year to ,000, but in Euro terms they have remained stable. There is a great variation in salaries across the region. The United Kingdom, France and Switzerland are paying the highest MBA salaries, all with averages of 0,000 or more, well ahead of the regional average. MBA salaries in Germany and the Netherlands have dropped back below the average for the region, though this may be explained by the fact that fewer (and a higher proportion of smaller) companies in these countries have responded to the survey this year.

Because of fluctuations in the exchange rate, MBA salaries by sector, in US dollar terms, have dropped this year. Consulting offers are averaging ,000. Financial Services offers are averaging ,000 (these figures exclude bonuses). The highest salaries have been offered by IT/Computer services companies, which average ,000.

The average first year bonus guaranteed for new MBA hires across North America/Western Europe in 2009 was US,700 - down compared to the 2008 figure of US,875. This bonus, which is typically used to repay school fees, is the area of MBA compensation employers have felt most comfortable cutting during times of recession.

The average reported bonus ranges between US and US,000 depending on the industry sector. Banks are still reporting the largest average bonus at US,500, only slightly down from the previous year.
The Energy sector is also offering bonuses in excess of ,000, probably caused by their need to compete with banks and consultants to attract top talent.
The Consulting sector is offering slightly lower bonuses of ,000 on average, compared with the previous year.

The sectors which have reduced MBA bonuses the most are: manufacturing (down from over ,000 to ,000) and high tech (down from over ,000 to ,000).
MBA bonuses have tended to be volatile in the past and it may be that if MBA demand bounces back in 2010, so will these average bonuses, says the report.
It is important for candidates to understand the fiscal status of their bonus. Maximizing after-tax bonus value should be prioritized: in some US states, bonuses are taxed at nearly 50%. In the UK, relocation expenses and tuition reimbursements can be claimed tax-free. In such cases the cost is the same for the recruiter, but the benefit far greater for the candidate.
Furthermore, an up-front starting bonus carries greater value than a year-end or performance bonus. Candidates can compare their offers with their peers to ensure they are getting a competitive offer and communicate this benchmarking to the recruiter. In at least one case, a top-tier consulting firm has increased its offer for the entire entering MBA class in order to match competitors. No MBA graduate can count on the promise of a performance bonus, making financial planning, including meeting minimum loan repayments, more difficult.

Performance bonuses, whether tied to individual, team or company performance, are a means for an employer to introduce variable compensation and to ensure they do not make financial promises they may not be able to keep the report says.
While MBA salaries is an important factor in understanding post MBA career options, it's not less to understand what working hours you will be expected to commit. Dynamics of the Gender Gap for Young Professionals in the Financial and Corporate Sectors, a research piece published in January 2009 by Chicago Booth and HBS researchers1, shows that weekly hours are high for almost all MBA positions. Hours are highest in investment banking and consulting. The average investment banker puts in a whopping 74 hours per week, the average consultant 61 hours per week. Also reaching close to the 60 hours per week mark are those employed in venture capital and sales and trading.

Mean earnings by gender are comparable directly following MBA receipt but they soon
diverge. Women earn 5K on average at graduation and 0K nine years out; men earn
0K on average at graduation and 0K nine years out. Median salaries by gender also diverge in favor of men with years since graduation but not by as much as do mean salaries. The median female MBA starts her career at the 34th percentile of the male distribution but after 15 years has fallen to the 19th percentile. ZoomInterviews will explain this phenomenon in one of our following posts.

Finally to complete this analysis and provide more comparable information we combined the salaries statistics by function collected by the University of Chicago Booth School of Business and working hours statistics reported in the Dynamics of the Gender Gap for Young Professionals in the Financial and Corporate Sectors report1. This data does not include year-end performance bonuses because of high variability of this item.
Despite a perception of high salaries in investment banking, in reality, hourly wages for this industry were the lowest among all MBA jobs. Investment bankers work approximately 74 hours per week and receive per hour. However, higher performance bonuses in investment banking compensate for this gap. According to our calculations, in order for the hourly rate to equal that of other job functions, the minimum annual bonus would need to reach about ,000.
The hourly rate in other MBA job functions can vary from to , while working hours vary from 61 hours per week in consulting to 50.8 hours per week in operations.
We would advise MBA applicants to consider a range of factors including future salaries, bonuses, life work balance and general career potential in choosing their post-MBA career. However, while these considerations are important, in our view the most important factor in making your career decisions is doing what you really like. This is especially true when you know that the per hour wage, at least in your first few years after graduation, will be the same in most job functions. While salaries in various job functions may diverge in the following years, the chances that you will earn more in a job that you don't enjoy are not very high and it's highly questionable if the money is worth the sacrifices that you will make on the personal level accepting such a job.

1) Dynamics of the Gender Gap for Young Professionals in the Financial and Corporate Sectors, January 2009, Marianne Bertrand (University of Chicago Booth School of Business, NBER, CEPR and IZA) Claudia Goldin (Harvard University and NBER) Lawrence F. Katz (Harvard University and NBER)

Tuesday, September 18, 2012

Payday Loans - Guaranteed Payday Loans

If you need to find a way to pay a bill that is late, are running short on cash until payday, or need to have cash, there is something that you can do. Payday loans are available to help lend you the money that you need until you get paid. While every payday loan and company have different payment structures and requirements, you can find the guaranteed payday loans that you need to get your bills paid and not have to wait until payday.

If you are looking for a payday loan company that you can rely on to get you the money without having to wait, you can find that there are online payday loans like that can help get you the money and you will not have to wait for it. If you have been looking at different instant payday loans, and are not sure how to know which ones are the best, you can look to see which ones offer you the money when you need it, and what they charge in fees.

The process is usually pretty simple and you have to fill out the information and get qualified to see if you are able to get a payday loan. Once you have been approved, you will be able to see how much you qualify for. After you get the loan, you set up payments with the company and the payments are usually due on the next payday. Many people use the payday loans to help them get the bills paid and not have to wait until payday. If you need to have money and you are not sure where to go, you can find the online payday loans that you need that can help you get the money and not have to wait for it.

Finding the guaranteed payday loans online is easy, and you can fill out the form and submit it to see if you qualify. Most payday loan companies may request additional information from you and make sure that you have been employed and that you have a bank account. If you meet the qualifications for the loans, you are able to be approved. The company will approve you for a certain amount that they can lend to you and then you will have to set up the payments with them to get then paid back. There are charges associated with payday loans, so check with the company first to make sure that you see how much you are going to have to pay to receive the loan and the details of paying the loan.

Sunday, September 16, 2012

Test 00m-234: Ibm Netezza Sales Mastery Test V1

Upon realization the IBM Netezza knowledge, you are ready to take the IBM Netezza Revenue Abilities Test v1 to become an IBM Netezza Sales Expert v1.
You are permitted two efforts to complete a sales mastery test. After 2 unsuccessful efforts, you must delay three months before taking exam again.

Skill name: IBM Netezza Sales Expert v1

Your sales exercising should not end here. IBM motivates you to expand the sales skills by participating additional workshops, teleconferences, self-paced research, etc. Consult the Details Control web page in PartnerWorld or visit the IBM PartnerWorld Web site - Training and qualification. Upon realization the IBM Netezza knowledge, you are ready to take the IBM Netezza Revenue Abilities Test v1 to become an IBM Netezza Sales Expert v1.
You are permitted two efforts to complete a sales mastery test. After 2 unsuccessful efforts, you must delay three months before taking exam again.

Passing this test will credit towards your PartnerWorld Leading and Innovative account stage point specifications. It also allows you to use the IBM Netezza Sales Expert name on your card.

Test information

Number of questions: 30
Time permitted in minutes: 60
Required moving score: 76%
Test languages: French, English, German, etc.

Exam Objectives

Followings are the examination goals for the IBM test 00M-234:

Area 1 - Netezza Review (17%)

1. Be able to explain a summary of the IBM Netezza information factory appliance

Area 2 - IBM Netezza Client Value and Difference (20%)

1. Be able to explain the exclusive IBM Netezza customer value undertaking and why it is different from conventional approaches

Area 3 - Inside the IBM Netezza Equipment (20%)

1. Demonstrate information of the IBM Netezza structure and how it results in customer value

Area 4 - IBM Netezza Revenue Procedure and Chance Recognition (20%)

1. Be able to recognize and are eligible IBM Netezza sales possibilities and illustrate information of the IBM Netezza sales process

Area 5 - IBM Netezza Client Cases (17%)

1. Be able to communicate IBM Netezza customer testimonials and the advantages that resulted

Area 6 - IBM Netezza Benefits over Competitors (6%)

1. Be able to explain the strong points of IBM Netezza comparative to competitors

Benefits of IBM Certifications

1. IBM qualification provides an improved knowing of the preparing, design, and servicing of IBM items and systems.
2. IBM qualified experts are more effective and effective in the office. They are identified worldwide for their audio information, expertise and best alternatives to concerns.
3. An IBM qualification provides higher spirits and self assurance, besides attractive incomes and better possibilities for special provides
4. IBM qualified experts can use the IBM logo on their cards, cover letters and resumes and literary works to recognize themselves among customers and co-workers.
5. You will get better job possibilities by accomplishing this qualification.

Preparing for IBM certifications

IBM qualification program provides basic to advanced qualification on the Oracle items and systems. IBM qualification examination contains multiple-choice concerns relevant to the specific technological innovation. You should choose an exercising source that helps you exercise on the real structure of the IBM qualification examination.

Friday, September 14, 2012

Fast same day loans-Bring an instant remedy for your multiple expenses

If you are unable to manage the urgent obligations with the single source of income of 1000, then you need to apply for fast same day loans. Urgent obligations may be like hospitalization, car repairs, unplanned trips, etc. More than 50 % percent of the salary goes out for other regular expenses like groceries, infrastructural facilities like electricity, water and gas, house hold rent, etc. Arrangement of instant cash was a weird thing in the past. In fact, no one took the risk of lending money to the small income group or salaried class. Such policies maintained by the lenders did not contribute in upliftment of the economy. With the popularity of information technology in the commercial market, the lenders adopted some flexible methods to uplift the salaried class. Some fast track loans have been designed to cater to the urgent needs of the employees. One of them is fast same day loans. These short term loans would be accessible within few hours to recover the financial shortage.

You would be able to check more details on fast same day loans through online research. The interest rates are higher because you are not submitting any security deposit against the loan amount. Many lenders would claim to offer these loans at reasonable rates. You would be able to discover different terms and conditions set by the lenders. It may take hours to read those rules. However, it is better to take time and study those conditions. It would also be better to take help from your friends and colleagues for further guidance. Precautionary steps would save you from falling in trap of hidden costs. The loan amount would vary from 100 to 1500. The repayment period would range between 14 and 31 days. It may be extended as per your convenience.

You would be excused for maintaining bad credit records. The lender would easily sanction the requested amount without even checking any of your bad factors like county court judgments, foreclosures, bankruptcy, missed payments, defaults, etc. Therefore, these loans are termed as no credit check loans. Fill up the online form by fulfilling the basic conditions without paying any processing fee:

a) Must have a valid citizenship with UK.
b) Should maintain a checking account with the bank for not less than 3 months old.
c) It is necessary to provide the job details along with the monthly income.

Submit the online form and it would be examined by the lender. The loan amount would be deposited in to your bank account.

Friday, September 7, 2012

Consumer Direct Marketing - Don't Leave Your Mortgage Business Without It

You may be very happy contacting and schmoozing Realtors/Agents/Builders and begging for their business or, possibly purchasing leads and then competing with three or more originators for the mortgage. But, there are many loan officers and mortgage brokers working with prospects, home buyers and sellers, many months before they even think about contacting a Realtor/Agent.

It's called "Consumer Direct Marketing" and the mortgage professionals that are incorporating this principle into their marketing programs, are way ahead of you. And yes, it's simply marketing to consumers, prospects, and clients long before they decide to make a mortgage decision.

The mortgage professionals that are using this principle have seen the handwriting on the wall and the changes taking place in the mortgage industry. I'm sure you've experienced the fact that many Realtors/Agents and even some Builders now have their own mortgage companies. They are competing with you head-to-head and originating loans themselves. They control the listings and now they are trying to control the entire transaction including the mortgage process and eliminate you from the deal.

By marketing directly to consumers well in advance you're circumventing this possibility. You're establishing a rapport, a bond, and enhancing your position as a trusted financial advisor with your contacts. You're also approving them for a mortgage in advance further solidifying your position and totally eliminating the competition. A Realtor/Agent/Builder would be out of their mind to suggest that your client start the mortgage process all over again with a new loan officer and a new company. After all, the mortgage is approved and a quick closing is all but guaranteed, isn't it?

Here are a just few "Consumer Direct Marketing" methods you could be incorporating into your marketing program to ensure your mortgage success:

1. You can market to your existing database ever month with timely mortgage and credit information, postcards, articles, and reports.

2. You can market to For Sale By Owners (FSBOs) and assist them in selling their homes and pre-qualify and pre-approve their prospects for them.

3. You can market to first-time home buyers and pre-approve them for a mortgage loan in advance and before a Realtor/Agent is involved.

4. You can market to anyone by providing free articles and reports such as Refinancing Tips, Home Buyer Tips, Credit Tips, Mortgage Tips, Mistakes People Make When Shopping For A Mortgage, and the like.

5. You can market to Divorce Attorneys, Financial Advisors/Planners, and CPA's to gain referral partners and new mortgage prospects.

Yes, the mortgage business is changing. Don't be left behind...and don't be that "Old Dog" that can't learn new origination tips. Change the way you originate loans and you'll continue to prosper in the mortgage business.

Thursday, September 6, 2012

Qualifying for FHA HAMP Loan Modification

Housing and Urban Development Secretary Shaun Donovan published today the FHA has made modifications to its home loan modification procedure so that it will further imitate President Obama's Home Affordable Modification Program (HAMP) under Making Home Affordable. It is anticipated that the new FHA loan workoutguidelines will be in place by August 15th.

How does this help you? Well, if you now own a home mortgage secured by the Federal Housing Administration (FHA), you should be able to extensively moderate your monthly home loan payments, interest rate, and possibly realize a partial principal forbearance or balance reduction (a decrease in the amount you owe on your mortgage), provided you meet the new guidelines.

Homeowners that have effectively gotten a mortgage modification through Obama's Making Home Affordable Program have had marvelous results, some easing their mortgage rates to as low as 2% on 30 and 40 year fixed loans, saving a good deal of moneyeach month on their mortgage.

Now is a very exhilarating period for borrowers in FHA loans, as they now also can achieve similar benefits. Qualifying for the FHA -HAMP can be a little tricky, and there's a good deal of junk out there on how to succeed. We're going to clear up the tittle-tattle, and help you understandhow to get qualified, ModificationZoom style.

Firstly we must cross the "eligibility" bridge - Your mortgage company needs to be FHA-Approved to modify under FHA-HAMP. Most major lien holding mortgage banks that offer FHA home loan programs are approved. The superlative way to remedy whether or not your bank can modify your home mortgage under FHA-HAMP is to call and query if they partake in the program! If your "mortgagee" (lender) is eligible, your next step is to make sure that you are eligible!
Your present home mortgage must be an existing FHA-held single family mortgage, and the present loan must be behind, meaning that you are 1 payment past due more than 30 days, but less than 12 full mortgage loan payments past due.

Your abode must be a FHA insured single family home (1-4 units), mortgages previously amended under HAMP are ineligible, you must have had the loan for 12 months, and here's a great piece of information: There is no net present value (NPV) check for eligibility!

(The NPV examination is ulitilized to decide whether it makes sense for your bank to adapt your mortgage. Under this program, it doesn't matter if it financially makes sense for your servicing bank to adjust your mortgage or not! If you qualify, your mortgage lender should change your mortgage, apart from the total amount of equity you have in the home!)

There is no upper limit on mortgage loan amount for mortgages eligible for home loan modification, and it have a bearing what your credit looks like! There is no appraisal required, and your FHA - HAMP modified mortgage lien has to be at a significantly lower interest rate and payment than what you already possess!

For supporting documentation, you will need to submit the following:
1) Hardship Letter
2) Income Documentation - Paystubs & W-2s, or Profit & Loss Statements & Full Tax Returns if you are Self-Employed.
3) 3 Months Bank Statements
4) Financial Worksheet of Income & Expenses
5) Hardship Affidavit

So what is going to take place when you get a home loan modification through FHA - HAMP? First, you will be placed in a temporary loan modification payment plan, and after you make the first 3 payments under your new plan, FHA-HAMP can be fixed for the life of the loan.

Your home mortgage will be changed to a 30 year fixed rate to a (proposed) front end DTI of 31%. You must confirm that your back end (proposed) DTI is below 55%.

What exactly does this signify? Your "front end" DTI can be determined by dividing your mortgage loan expense by your gross income. Your "back end" DTI can be determined by the sum of all of the monthly payments that show up on your credit report by your gross income - e.g. - credit cards, auto loans, and additional home mortgage payments.

Conversely, to calculate what your new payment will be, simply multiply your gross income by 31 percent!

Alright, I understand that was a lot of information, so we're going to summarize with a "To-Do List":

1) Make sure that you have an FHA loan, and that your Mortgagee (lien holder) is FHA - Approved.
2) Your mortgage must be at least 1 payment late, but not more than 12 payments late.
3) Make sure your home is 1-4 units, that it is your primary and only residence, that you've had the loan for 1 year, and you haven't previously modified under HAMP.
4) Write out the hardship affidavit, write a hardship letter, document your income, completed a financial worksheet, include bank statements and submit the package to your lien holder!
5) Get your loan modified!

The remainder of the information out there on FHA - HAMP is pertinent, but not necessarily stuff that has to be absorbed to get a loan modification through the government initiative. For example; your lien holding bank will govern how to get to the goal 31% payment by giving you a 30 yr or 40 yr fixed term and the calculated fixed rate, and may have to lower your principal to help you qualify for the payment you need to be financially stable. For more information, contact ModificationZoom toll free at (866) 760-9099.

ModificationZoom is not a Government Agency, but we do understand the ins and outs and loopholes of FHA - HAMP, and can help you.

Alright, now you're ready to rock and roll with the FHA Home Affordable Modification Program (HAMP).

Tuesday, September 4, 2012

Migrate Your Online Store to OpenCart with Cart2Cart - Don't Feel Worried About Details!

You might be sure that the process of migration to OpenCart really needs a lot of efforts and even those people who will be responsible for it should be very reputable, because you do not wish to lose any existing data or check every single thing for mistakes. And so it may be unless you make use of Cart2Cart migration service. It is able to transfer all of the required items from your current source shopping cart software to your new account on OpenCart instantly. Let us give some thought how Cart2Cart can help you.

You can easily forget about rewriting every detail of every item from one shopping cart to the other by your hand. You do not need to make this tedious work with Cart2Cart. Consumers, their shipping and billing addresses, orders, order products and statuses, products, their pictures, attributes and extra fields, categorizations and their photos, taxes, currencies, suppliers and their pictures -these are the data you can transfer to OpenCart through the help of Cart2Cart. Moreover, you can find some extra options you may use for extra pay. They include the following: to keep order IDs on the target web store (in order that it is definitely not obligatory to change them) and to strip HTML from product category and product labels.

Speaking about safety, it is really one of the vital important things to be applied. For this reason Cart2Cart team performs the steps involved in migration to your OpenCart account by using secured SSL connection. Moreover, there surely is a dedicated Amazon server for each migration. In such a way you do not have to control this procedure and you can also ensure to protect all the vital data. The amount of items transferred is not limited, so you will not have to worry too much if you have a lot of consumers, products, sales orders, categories, etc.

Concerning the price of this service, it varies with the number of consumers, products and orders you would like to move. As an illustration, when you have a small business and you would like to move up to 500 products, 500 customers and 1000 orders, you have to pay . In case you have another number of items to be moved you can try Migration Estimator to find out the specific cost of migration to OpenCart. You can do this on the official website of Cart2Cart.

To sum up, the process of migration to OpenCart with Cart2Cart is extremely easy due to the automation of the overall process. Cart2Cart is helpful and safe to apply. There is no need to spend days filling in all the details you need. Cart2Cart makes everything very quickly rather than you.