Category Archives: Money and Bank

Time Has No Bearing On Money

Most of us have ideas about the amount of time it takes to make a certain amount of money. These ideas do not apply to forex trading. A trader can literally make thousands of dollars in a matter of minutes or even seconds with very little effort expended at all. This is very different than what most people are brought up to believe is possible about making money. Most people are raised to believe that to make money (especially large sums of money), it takes much time and effort. When I first started trading, my family and friends could not understand how, in just a matter of minutes, I could have the possibility of being up or down many thousands of dollars. People dont make thousands of dollars in minutes. It takes weeks. At least it does in most business.

To many people, the possibility to make or lose money that quickly is something theyll never experience. But to a trader, this is something we experience on a daily basis. To be a successful trader, youll definitely need to get used to it. The problem is many people have a mental conflict with that kind of situation. Because of our upbringing, we have certain beliefs about whether we deserve to make money that quickly. In many cases, we are so taken back that we made that much money so fast, that it doesnt seem to be right that we that we could have that much quickly. This leads to two serious problems.

The first problem is the big one. If you subconsciously dont feel you deserve to make money so quickly, then when we do get that quick windfall, our subconscious will say, Hey you cant make money that fast! Wed better find a way to give that money back! And believe it or not, you will most likely end up doing just that. That is how powerful your subconscious is. If you have a certain belief about yourself, your subconscious will strive to make that believe true.
The second problem with this mental conflict is it causes people to stay in trades way too long.

Just because the market gave you $1000.in profit in two minutes, it has nothing whatsoever to do with whether the market is going to continue in the same direction. The only way to deal with these situations is to be mentally prepared for them to happen, because they will happen. By being mentally prepared for this type of situation, you act in your own best interest by not letting the lions share of your profits get away from you.

Remember, acting in your own best interest to protect yourself is much more important than finding winning trades. Dont get caught up in thinking the market must keep going if it moved this far, this fast. Keep yourself prepared for whatever it does and you will have much better chance of holding onto your profits.

Secret Offshore Bank Account – Is It Possible

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!

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

Send the perfect Diwali SMS online saving your money

Do you wish to make some extra special for this Diwali? Well, then you can try to send Diwali wishes to all your close friends and relatives without having to spend any money from your pocket. This is made possible by the different service provider but it is you who need to make sure that good attempts are made to get the genuine one for you without any problem at all. Therefore, it is your choice that is important to know whether you can send Diwali SMS online. If you take the right steps then it would make you send Diwali messages online to all your friends. It can also help to save your money and your mobile bills will gradually decrease. Therefore when you try to send free Diwali SMS, it is important to make sure that the terms and conditions are known to you in order to remain assured that you are quite knowledgeable. If you do not get the right source then it would only lead you to lose your valuable time.

Get delivery reports online It is possible to get all the delivery reports of the various free Diwali SMS that you have sent. It is also made possible to send the same customized Diwali messages to more than one person at a time without having to type again and again. So this also saves a lot of your time which makes you feel glad for being able to get the right one online. If you try to get hold of the right service provider, it is important to know whether it provides unlimited service so that you can send free Diwali wishes without any sort of problem. So, you have to know how to choose the best site for you that would lead to get lots of important facilities without using your mobile phone at all. When you , it is important to make sure that your messages are getting delivered to the right person without any problem.

Know how to choose the best one It is important to have a good idea whether you would be able to get the perfect site to send free Diwali SMS online with accurate delivery report. By getting the delivery report, it also makes the recipient to feel very special to get it from you. Thus good attempts have to be made to know how it would be possible to choose a genuine source helping you to send Diwali SMS for free online. No matter whether you are in office or home, it just needs a laptop or computer with a good Internet connection thereby helping to send free Diwali SMS without any sort of worries at all.

Coaches – Make Money By Teaching Teleseminars

I have worked with hundreds of coaches, and I always recommend that they use the multiple income stream business model for their coaching business. This means that coaches should create products, such as e-books, teleseminars, audio recordings, in addition to doing one-on-one work with coaching clients.

Having worked with many coaches on creating multiple streams of income, I can tell you that teaching teleseminars is one of the best ways for coaches to create additional income and gain more clients online. Here is why:

– Teaching teleseminars helps you promote your expertise. Many experts teach.When you teach teleseminars you show others that you are an expert in your field. Teaching helps you demonstrate your expertise to a wide variety of people.

When your potential customers know that you are an expert in your field, they are much more likely to hire you and purchase your products. As you can see, being known as an expert in your field helps you make money online.

– Teaching teleseminars helps you get one-on-one coaching clients. If your goal is to get more one-on-one coaching clients, than you should teach teleseminars. People who are unsure about working with you can attend your teleseminars to experience your expertise at a much lower price then your one-on-one services.

Once they are exposed to your expertise, they can decide to work with you.

– Help more people by teaching teleseminars. You want to help many people with your coaching, but you are not able to work with each one of them one-on-one. When you teach teleseminars, you can help many more people at the same time.

– Teaching teleseminars helps you increase revenues. To make money with your teleseminars, charge people who would like to attend them. You can earn much more money per hour by teaching teleseminars then doing one-on-one work because with teleseminars you can have many people on the calls.

– Teleseminars are the best way to create multiple income streams. Use your teleseminars to create multiple income streams:

The teleseminar in itself is a new stream of income for your coaching business. Record the teleseminar to get an audio recording. Now you can sell the audio recording on your web site. This is another stream of income for your business.

Use the information that you taught during the teleseminar to create an e-book, which will be another income stream for your coaching business. Use the teleseminar, the audio recording and e-book to make thousands of dollars with just one teleseminar.

Coaches, teach teleseminars – it is a great way to get more clients and make more money with your expertise.

Biana Babinsky is the online business coach and expert, who teaches coaches how to make thousands of dollars with their teleseminars. Get her at to learn step-by-step directions to create and teach profitable teleseminars.

What is load bank testing

Load banks are often talked about in industrial environments, but many people dont know exactly what they are or what they do. Essentially, a load bank simulates the electrical load that powers a piece of electrical equipment. By mimicking the real load that will be transmitted to a source that powers this equipment, it helps to test its reliability.

As a result, load banks are very important in industrial contexts. Keep reading for further information on load banks and load bank testing.

Uses for load banks

Load banks are often rented and used in a variety of situations. In factories, they are useful for testing generators and turbines. In situations where generators are kept on site but only used in the event of a power outage, they may also be useful for regular testing of these generators to ensure that they will still work when needed.

Load banks may also be used to test other back-up power supplies, like batteries and UPS (Uninterrupted Power Supply) systems. UPS load bank testing is often carried out during preventative maintenance. As well as testing whether or not a UPS system works, load bank testing can also test the condition of batteries within the system in order to ascertain how much life each cell has left.

Other applications of load bank testing include ground power testing, tackling problems caused by wet stacking (often found in diesel engines or generators), getting rid of carbon build-up on piston rings and building gas turbine platforms.

Why is load bank testing important?

Load bank testing is important because it helps to prevent disruption to electrical power services. This is very important in factories, when even a small amount of downtime can represent the loss of a significant amount of money. However, its also crucial for hospitals, which depend on electricity to power life-saving equipment as well as basic lighting. Other public institutions, like the military, depend on load bank testing too and its also crucial for airports, gas and electricity suppliers.

The frequency of load bank testing varies between industries and commercial sectors. In some factories, it may occur weekly while in other buildings it may only be an annual occurrence. In the latter case, load bank rental companies are often brought in to carry out the testing. The type of load bank needed may vary, but most rental companies are able to supple different types, such as AC resistive load banks and DC load banks.

Bank Exam Preparation Is Incomplete Without Current Affairs

Banking industry offers the jobs which are high in demand amongst the youth. All its jobs are highly responsible in nature and demand respect and stature. Their acceptance of students from all streams and time flexibility makes these jobs highly coveted. However, to become a part of the banking industry is not an easy task. It all depends on how well you prepare for the bank exam which is highly competitive in nature. The question paper includes questions which have a high standard. Inclusion of current affairs of India in the bank exams make the question paper even tougher to crack. One can study hard for 2-3 weeks and prepare the syllabus thoroughly but current affairs cannot be achieved in one night. If you are not in contact with the current affairs on a regular basis, your chances of clearing any bank exam are close to zero. All the exams conducted by the banking sector demand knowledge of the current affairs of India. Another such exam called, the CWE to be conducted in 2011 would recruit candidates on a large scale based on their current affair knowledge and textual knowledge. The jobs offered by the banking sector are vast. They all provide a healthy income and extra exciting incentives. There is no reason for a candidate not to be attracted to the banking sector, especially if one looks at the immense success it has made in the recent past years. Thus, every year, thousands of candidates appear for the exams but only a few are selected. The rejected ones are often confused as to where did they go wrong. They had prepared enough but were not selected, thus blaming the banking sector for -biased” recruitments. However, it is their lack of knowledge that leads them to failure. If you are planning to appear for any bank exam like the upcoming CWE in 2011, you should cement it in your mind, that you cannot clear the exam without a sound knowledge of the current affairs of India. All you need to do is read the newspapers daily and jot down important points so that you are able to retain the information for a longer period of time. It seems like a tough task but once you get into the habit, it would seem interesting and you would eventually gain interest. Most importantly, it would be very beneficial for you not merely to appear for the bank exam but also to stay updated and aware. Reading the newspapers would not do you any harm. Rather, they would be helpful for you in your personal life as well as for your academic achievements. If you want to prepare for bank exams, it would be incomplete without a sound knowledge of the current affairs.

To read latest Current affairs read and at jagranjos

Bank of America Loan Modification — A Simple Five Steps to Approval!

Have you been worried or even just concerned about meeting a high monthly mortgage payment? Perhaps you have been pondering negotiating for a better deal, such as a Bank of America loan modification period. This nationwide lending bank is now offering loan workarounds to some of its borrowers. You can improve your chances of getting the loan modification deal. If you meet certain approval requirements, you can lower your mortgage payment. Before you apply, you need to know about these Five Steps to Approval.

1.Study the Bank of America loan modification approval guidelines. To qualify for a loan workaround program, you must meet specific disposable income and debt to income ratios.

2.Collect all necessary documentation for the bank. A bank officer will review your documents to decide whether you qualify for a Bank of America loan modification. Be sure that you have everything before you apply, in order to avoid any possibility of delay or even denial of your application.

3.A Hardship Letter is an essential part of your document package. You must present convincing, compelling evidence that you have experienced or will suffer from a financial hardship due to your current mortgage payment. There are three essential elements in a Hardship Letter — be sure that you know what they are.

4.Take time to prepare, accurately and properly, the Bank of America loan modification application forms. Everything you state is subject to verification, and so you must include all important information, truthfully, to ensure that your loan workaround is given the maximum possible consideration for approval.

5.Be persistent. Eight weeks is not uncommon for processing time of your Bank of America loan modification application. So be patient as well! Even if you are declined the first time, do not give up. Many homeowners were able to get an initial rejection of their application overturned by being diligent, tenacious, focused, and persistent in their pursuit of an affordable mortgage. Your home is at stake, and a successful application allows you to keep your home.

By studying the guidelines; being diligent, complete and truthful in your application; and persisting in your qualification process, a Bank of America loan modification may well be yours. Take the time and invest the energy in doing the application properly, by understanding the bank’s approval guidelines. Ask any necessary questions for proper completion of the paperwork. Get the help you need and keep your home, as homeowners across the country continue to do. You too can do it!

Merchant Cash Advance An Alternative to the Bank

Any striving business person or entrepreneur knows that a golden rule to business is that it takes money to make money. When you own a small business, one of the more frustrating aspects of it is to look for some business funding. It is not the easiest process to try and borrow money from a bank. When borrowing money from a bank, generally, you have to fulfill a long list of requirements to get an approved loan. In addition to this, even if you fulfill all of the requirements, in some cases the banks still wont approve you for the loan if they feel your business idea will not work. You also have to convince the bank that your business idea will enable you to pay back the loan in a timely manner.

The good news is that there are alternative sources of financing for small to medium- sized businesses. One of the more popular forms of funding is a merchant cash advance for a business loan. One good thing about this type of loan, is that you are not limited to how you spend your loan. As long as its business related, you are able to spend it on any business related expense. This is not the case for every business loan. The only concern about this type of loan is that the merchant pays back the loan.

What exactly sets this type of loan apart from a traditional bank loan? Basically, whoever is giving out the loan is purchasing future credit card receivables of the business owner. For example, the way it works is a business borrows $10,000 from a provider of the loan. With this, comes an agreement that the business owner receiving the loan agrees to pay interest through their future credit card sales. There are requirements as to how many credit card sales a business owner makes a month. Generally, the minimum amount of credit card sales a business owner must make is somewhere around a minimum of 50 credit card transactions a month and has at least a volume of $5,000 in credit card sales, a business can get this type of a loan as long as they have been in business from the last 6-12 months do not have any bankruptcies or foreclosures. Another good thing about this type of loan is that the business owner is not pressured with any due date to which the money is paid back. As long as the business owner keeps making credit card transactions, than the loan will be paid back on its own. This is generally one of the more popular business loans.

Non Status Business Bank Accounts For Upcoming Entrepreneurs

Non status business bank account is specialised in helping new entrepreneurs to become established professional business entrepreneurs. These accounts are ideal for those people who can not prove their income and facing poor credit status. These bank accounts give another chance to the poor credit holders to prove them a good account holder. One can acquire this account in without any restriction in any reputed bank as number of high street banks offers this banking service with multiple facilities.

Every UK customer can obtain this account to form new company or to manage finances of any existing business. These accounts are offered without the trauma of lengthy documents and business plans. One can take this banking service just by providing your identity proof and address proof. As soon you provide these documents with application form banks open your new bank account to handle your business finances.

Whether you are a sole trader, have a partnership firm or a limited company these non status bank accounts provide you the numerous benefits that helps in building your business. Some of the services offered by banks re mentioned below:

Its no credit check facility helps everyone to qualify for this account
Ideal for people suffering from CCJs(County Court Judgments), defaults, a poor payment history, an IVA or bankruptcy
Unlimited deposits & withdrawals facility
Cheque book and debit card is also offered
Free and regular updates
Internet and telephonic banking is also provided for more convenience

With these account banks appoint the personal money manger that look after your account and record your all transactions. This manager helps you to make right financial decision and to bring back your financial life on track.

On internet you will find various such banks and service providers that assist you in opening this account with multiple facilities. That is why it is advisable that you much check out all the terms and facilities before making any decision.