Category Archives: Money and Bank

Tips For Individuals Who Want To Borrow From Private Money Lenders

Tips For Individuals Who Want To Borrow From Private Money Lenders

If you are one of those who are looking for , 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. 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 .

What is the Difference Between a Credit Union and a Bank

What is the Difference Between a Credit Union and a Bank

Banks and credit unions seem very similar to most people. They both offer deposit accounts and various types of credit. They have many of the same services, telephone banking, online banking and ATMs; but there are some major differences between the two. If youre wondering where to turn for your next personal loan or arent sure where to open a savings account consider the following differences between a credit union and a bank.

Credit Unions

A Credit Union is a member-owned not-for-profit financial cooperative governed by a Board of Directors elected by the credit unions members. The members of a credit union usually have something in common, such as living in the same geographical region or belonging to the same organization.

Credit Unions offer everything from checking and savings accounts to small business loans, car loans, mortgages, personal loans, and more. A credit unions main focus, however, is on savings and it will usually offer higher interest on savings products than a bank. A credit unions not-for-profit status means that any income it earns is given back to its members, usually via lower interest rates and fees.

Banks

A bank is a stockholder-owned financial institution. Its main goal is to make its investors money and it does so by investing its customers money or lending it to other customers. When you make a deposit at the bank you are essentially loaning money to it. The bank pays you back in interest for that loan but the rates vary depending on the bank (consider that 0.05% youre now making on a savings account you opened several years ago when interest rates were much higher).

Banks also make their money in fees (ATM fees, overdraft fees, late payment fees, etc.). Banks carry the same products as credit unions, deposit accounts, IRAs, credit cards, and so on, but unlike a credit union, a banks products are FDIC insured. (Credit unions are insured by the National Credit Union Administration (NCUA) so funds are still guaranteed should the credit union fail).

While it may seem that banks and credit unions both offer the same products and the only difference is in who owns them, credit unions lead the way when it comes to service. Surveys of bank customers and credit union members consistently show a higher rate of satisfaction among credit union members. And while banks are often able to provide more convenience, in that they typically offer more branch locations, customer satisfaction is not as high.

How To Make Money Online Answering Questions On Mahalo

How To Make Money Online Answering Questions On Mahalo

Mahalo Answers is a human powered search engine like Yahoo Answers where people are not only able to ask and reply to the questions but also are able to make money online for their answers. And the amount of money is decided by the person who actually asks the questions. It is up to him whether he wants to make it free or paid one. Minimum amount of money for a paid question is one Mahalo dollar and there is no maximum limit for a paid question.

Here is the steps one need to follow to make money online with Mahalo community:

1.To start making money online with Mahalo answers community, create an account on Mahalo today and once your account is activated, login to your Mahalo account.

2.Now start looking for those questions that are offering a tip for the best answer. You can find all questions that are offering a tip under Offering Tip just after Open Questions link when you are logged into your account. When you click on the Offering Tip link, you will see different Mahalo dollar amounts that will be paid to the best answer.

3.If you know the answer of a question, try to give your best to answer that question. You should include helpful videos, links or images if you know of any, in your answer to better explain your answers.

4.If you have taken your answer from a website, dont forget to mention that website in the source box section. If you like you can receive all new answers to that question on your email that you have answered for.

5.We will receive an email from Mahalo if any of our answer is selected as the best answer and the tip amount will be added to our Mahalo account. Right now each Mahalo dollar is equivalent to 0.75 dollar when we are paid via paypal. And once we have 40 Mahalo dollars into our account, we can request for the money to be transferred into our paypal account which will be $30 US dollars. They transfer the full balance or the portion of balance we chose on the 15th of following month. This is how we can make money online with Mahalo Answers community. No doubt, Mahalo is not a get rich scheme. But we are able to make some extra dollars whole answering questions on Mahalo everyday.

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

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.

Where To Get A List Of Boat Auctions Liquidating Bank Repo Boats

Where To Get A List Of Boat Auctions Liquidating Bank Repo Boats

Many people sell their boats in the current times of recession to tide over their financial crisis. They decide whether to see their home, car or boat during belt tightening. Banks may auction boats which may have been collected by it as collateral in return for a loan. When the loan remains unpaid banks put up these boats for auction. The boat can also be put for auction by a bank in what is called boat auctions because it may have been abandoned.

You can get a list of boat auctions from banks and financiers who may hold auctions which can be your best bet. The bank will wish to get rid of the boat as early as possible to regain the amount lost and to avoid maintenance cost on the boat. So such boats can be purchased at a great discount and you can get a discount of even as much as 50%. Less frequently, you can also buy boats in police auctions. You can check the listings of boats online and know what is available. You have to think of transport cost if you live somewhere else as it is going to be a large purchase.

You must also check the boat properly before purchase to identify possible damages and oil spills and stains etc. You have to be extra alert because the boats are mostly sold in as is” condition in a boat auction. You must also check the condition of the engine because it can become very expensive to fix it once it gets repaired. You can check the places where repo boats are available if you wish to buy a boat but are not confident about arranging for initial finance! Many investors buy boats at 40%-70% discounts in auctions and resell them to people who have the affordability.

You can get fabulous discounts on bank repo boats and benefit from such deals. These boats were initially well maintained by people who cared for these boats. Wear and tear on such boats is also minimal because the use of boats is seasonal in most places. The repair work on such boats can also be minimal and may just require a coat o painting if any. Owners also maintain such boats very well for safety and insurance reasons.

Those who repossess boats such as finance companies and banks wish to dispose the same quickly because these are basically non-performing assets on their books. They are sure that they cannot get a very high price for the boats in these times of poor economic condition. Hence they wish to dispose the boats as quickly as possible.
You must take up research before buying a repo boat for personal use or from the viewpoint of investment. You can also find several auction sites that enlist boats for sale throughout USA and Canada.

Identifying Common Bank Owned Auctions Pitfalls

Identifying Common Bank Owned Auctions Pitfalls

Houses that are sold through bank owned auctions can provide an investor or a regular homebuyer with a good deal; that is, if they knew what they are doing and are aware of the possible pitfalls commonly associated with such deals.

Potential Benefits to Buyers

Most property lenders or banks that auction off properties are more willing to offer them at fair market values, unlike when a home is sold as an REO property. Auctions are also clear on the closing date, which eliminates buyer worries regarding how much time they have until they can no longer bid on the property.

Majority of auctions also have due diligence provisions of comprehensive details on the house being sold. If the buyer has conducted his or her own research on the property, they can use these details to compare information and find out more about the property they are trying to purchase.

Auctions also eliminate the problem of worrying about unexpected competition after the deal has been sealed, even from bidders who can make better offers, since once the auction is done and the winning bidder has been announced, that bidder automatically owns the property.

The Not So Good Aspect of Auction

Homes under bank owned auctions are not exempted from problems of eviction. This means that it is also possible for an auctioned property to be still occupied by the former owners. Sometimes, former owners try to get back at their lenders by thrashing the place, effectively increasing the expenses of the buyer since he or she would need to take care of the repairs.

The winning bidder in an auction is also required to put down the money for the property in cashier’s check or in cash the moment he or she won the bidding war. For auction bidders, it is necessary to attend auction events armed with cash that is at least equivalent to the amount of bid that he or she is going to put down for a property.

There are some good things about buying properties at bank owned auctions, although there are also the usual problems. The best thing for a buyer to do is to research a property that he or she would like to bid on and to hire a professional agent to help in evaluating the worth of the house.

Process Outsourcing Services Can Save You Bundle Of Time And Money

Process Outsourcing Services Can Save You Bundle Of Time And Money

Not all process outsourcing services are equal. There are variations that you will find that are easily distinguishable between various services providers. As a good rule of thumb, it always is of profound foresight to conduct your due diligence and ensure that you thoroughly review and research any entity that you intend on doing business with before actually conducting business with them. In this manner, you can get yourself the best process outsourcing services for your hard earned business buck. The purpose of this article is to help you better understand what process outsourcing services entail, and how they can benefit your entity, as well what to look for when searching for a reliable provider.

What Are Process Outsourcing Services?
Process outsourcing services consist of key business processes that are conducted via an outsourcing partner and that facilitate the same means to an end as the domestic processes that were being conducted beforehand. The goal of process outsourcing services is to streamline the economic efficiency of any entity while ensuring that the integrity of the quality of the service or the product is not compromised in any way, shape or form. Process outsourcing services can encompass nearly any type of business process. A few common examples include: inbound or outbound call center services, collections, telemarketing, and other types of back office support services.

Who Needs Process Outsourcing Services?
Virtually any business that already is conducting such business processes will require process outsourcing services. The main idea to keep in mind is: how much money can you save by utilizing process outsourcing services while ensuring that a specific focus on quality and customer service remains intact. From boutique to medium and large-sized businesses all the way to brick and mortar online-based businessesthey all can benefit from enjoying the price break that comes from wisely using process outsourcing services.

Is the Quality the Same With All Process Outsourcing Services?
This will vary depending upon what type of process outsourcing services partner that you opt for. Thats why it is incremental to thoroughly research the partner you are considering using. Look for their experience, the clients they have served, client testimonials, prices and online reviews to arrive at a wise decision. Using this proven method, you can remain confident that your process outsourcing services will be handled in an expert manner that coincides with your corporate philosophy and ideals.

Top Reasons to Use Process Outsourcing Services
There are five top reasons to consider using process outsourcing services.
1.Spend less and get more for your money.
2.Receive the same quality of service with fewer headaches.
3.Increase RIO while reducing overhead.
4.Ensure that quality assurance and customer service is always five-star.
5.Focus on running your business, and not on the tedious processes that take away from your focus.

How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

With the way the economy is today, and how most college funding sources are cutting back. Its essential, to think outside of the box and find out how to get free money for school. And if you can do it fast, without credit checks or high interest loans the better.

Before I give you the tactic to use to find funding for your school, let me let you in on a big tip to finding the money you need today.

Most financial aid counselors, teachers and parents mean well when they tell you to apply for Fasfa and government aid. But in reality, they have no clue about how things work anymore.

These traditional resources used to work, 10 to 20yrs ago but today they are overwhelmed with all the people entering school and older people going back to school.

This makes it impossible for you to get the money you need, and it leaves you to resorting to getting school loans that leave graduates in debt for an average of 30 to 40yrs.Not Good!

If you are just willing to think different and learn how to get free money for school, from non-traditional sources you would be way better of!

Here is one very effective way you can use this week, to get the college funding you need fast

Im talking about online funding giveaways and contests. Now, before you start forming your own opinion, hear me out

These are nothing like lotteries or empty promise companies, that charge you just to enter for a chance to win something.

There are tons of websites all over the place that offer money for school, that you register to win. What you end up doing is filling out surveys on how you think, how you spend your time online, what mosts interests you online and what are your top visited websites.

They then take this information and sell it to third parties for market research. This helps them structure their advertising and products. So you buy more.

In turn, they pay a fee to the website that sold them the information. This is how they can provide money for your school funding for free.

Very simple, but most students just don’t have the know-how to think outside of what everybody is telling them to do.

Bank Exam Preparation Is Incomplete Without Current Affairs

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 Probationary Officer- A Job Worth Respect

Bank Probationary Officer- A Job Worth Respect

Bank Probationary Officers who may be fresh graduates or those with prior experience who work in bank under their senior officers and take up assignments given by their managers. They are closely monitored and their performance is evaluated by their seniors according to which they are promoted. During the probation period PO is given training and is deployed across various departments of the bank so that he can gain exposure in operations & working of bank. A PO during his probation period must be willing to take any work so as to understand the banking process effectively.

To get this job one need to go through test and interview. Proper BANK PO PREPARATION can help you get this job. Not only self practise you can take proper coaching from institutes. Institutes like T.I.M.E.S and Career Launcher give coaching and helps in preparation of bank PO examination. While preparing for bank PO you need to work on reasoning, english language, quantitative aptitude, general awareness and computer knowledge. You need to do BANK PO PREPARATION for both objective test and descriptive paper but the most important thing that you need to look after is the negative marketing as the students will be given only 150 minutes for objective test and 60 minutes for descriptive paper.

The State Bank of India Probationary Officer post is most popular among the students as far as Bank PO job is concerned. The State Bank Recruitment Examination is conducted by the Central Recruitment Board, State Bank Group. SBI conducts this exam in all major cities in India, every year they recruit around 400 to 500 probationary officers depending on the requirement. Not only this many other banks also offer PO jobs at a good stipend.

BANK PO PREPARATION can also be done by self practise, you need not take proper coaching for this purpose. You can consult the preparation books available in the market and also take help of the internet where you can appear for online practise tests. Self confidence and zeal to clear the examination should be their in a candidate before he appears for the exam. During your BANK PO PREPARATION you must focus on the given syllabus and should build your confidence.

Proper preparation and self confidence can help you get the respectable job of a probationary officer. Many popular institutes provide coaching for this purpose. Not only coaching but self practise can also help you clear it.

is a most popular institute and India’s Top Potential Training Institute for IAS / PCS. is the brainchild of its CEO Mr. Thrideep. To make true your dream of many ambitious candidates and fulfill the ambition, he set up the JTS Institute. is an effort to enable the dreams of the aspirants for Indian Civil Services.