Sunday, September 30, 2012

Career Change - How To Get Into The Fmcg Industry

You are out of work and you've been on hundreds of job interviews and no job. You really need to find a job quickly as your savings and finances are slowly dwindling. Unemployment doesn't cover all your expenses. You simply need to find a job in an industry that you can be certain won't become depressed. What exactly can this be? You've heard the mantra people's needs will never change. They have to eat, sleep and have somewhere to live. One of these needs fits into the FMCG or fast moving consumer goods industry. So how do you transition to a career in the FMCG? Here are four tips that will help you get a job in a recession proof industry.


If you already have a four year degree, then you are one step ahead of your competition. If not then you will need to get that piece of paper to be able to qualify. You can even get certifications in specific job fields. You may even want to take a workshop or go to a seminar. If it has been a while since you've gotten your degree you may want to brush up on a refresher business course to find out the latest business trends and terminology.


What type of job experience do you have? If you are a new college graduate then you will need to either need an internship or some type experience that will show you are well rounded and can work in a business environment. You need to have some type of referrals to include on your resume'. These cannot all be a personal reference. Keep this in mind during your summer breaks when you aren't in school. Get a job to get some experience even if it means being a volunteer or a part-time job. If you can get it in a consumer goods field then this will be more relevant and make you one step closer to getting the job.


Who do you know? If you don't know anyone that might work at Procter and Gamble or Coca- Cola don't fret. You can put in your resume' with a recruitment agency and tell them what type of job you are requesting. If you can join an association in your future job field they might be able to help you gain a job. If you are thinking about being a purchasing agent there are associations geared specifically for this area. These organizations will provide job leads and provide tips to help you.

Type of Jobs

There are so many jobs in the fast moving consumer goods industry that you shouldn't have a problem locating a job. If you have an interest in almost anything that you can think of that is related to the manufacturing, producing, distributing, storing, packaging, and selling of goods and services then you can find a job in this field.

General Mills, Sara Lee, Coca-Cola, Pepsi, Nestle' are all brand names that we all know and love. Anything that you use in your everyday actions on a regular basis are all potential job employers. So the next time you head to the grocery store or walk down the food aisle you are sure to find a company that will hire you as long as you have the experience, educational requirements, and able to get a job interview.

Tuesday, September 25, 2012

Bank Fixed Deposits Are More Attractive Than You Believe

Fixed deposit (FDs) being the flavour of the season with their attractive interest rates and terms, I will discuss how you can get maximum benefit out of this instrument with esteem to tax as well as returns.

By investing in FDs with banks you can avail tax benefit under Section 80C. Moreover, you need not commit your funds for a very long time.

There is an declaration in advance about the returns, which is fixed for entire tenure of the investment, implying your investment is risk-free. This new product of investment i.e. term deposit scheme popularly known as fixed deposit scheme offered by banks was introduced in the budget of 2006 with effect from April 1, 2007.

Features of investment: Any entity or an HUF can invest up to Rs1 lakh under this scheme. The investment has to be made in the form of a FD with any scheduled bank for a minimum period of five years.

The maximum amount up to which a person can invest under this scheme is capped at Rs1 lakh. The minimum amount is also capped at Rs100. You can invest further money in multiple of Rs100.

The FD under this scheme can either be opened in single name or in joint names of not more than two persons one of whom can even be a minor. But the deduction available for investment under Section 80C can only be claimed by the first holder.
Hence, you should ensure that the person contributing the money is named as the first holder of such FDRs (Fixed Deposit Receipts).

Restrictions on pledge and early encashment: In my article on February 15 on National Savings Certificates (NSCs), I had mentioned that the NSCs can be pledged with government, banks including co-operative banks or cooperative credit societies for taking a loan.

But this facility of pledging and taking loan against these bank FDs is not available. Even you cannot go for premature encashment of these deposits before completion of the period of five years. So, it is important that you plan in such a manner that you do not need this money for next five years.

However, the deposit can be transferred from one branch of the same bank to another branch of the same bank (and not other bank). So if you are moving from one city to another, your fixed deposit can move with you.

Though the FD has a lock-in period of five years but in case the first holder or the sole holder dies during the term of the deposit, the second holder or the legal delegate or nominee of the deposit can request for premature withdrawals of deposit under this scheme.

Rate of interest: These FD schemes fare better than NSCs where the rate of interest is only 8% whereas these FDs presently offeryou interest up to 9.25% and that, too, for shorter term of five years against six years for NSC.

These FDs are even better than deposits under senior citizen scheme where the highest interest being offered is 9% whereas FDs offer 9.75%.

You should know that the interest earned on such fixed deposits is taxable that on interest earned on NSCs and under Senior Citizen Scheme.

The bank will deduct tax at source on the amount of interest given to the investor.

One more attractive feature of these fixed deposits as an investment avenue is that the rate of interest is fixed at the time of making the investment and is not subject to any change in the future.

Therefore, it helps you in planning your future cash flows more accurately to meet your future cash requirements.

The other beneficial feature is its term of five years. This is helpful in case you do not want to block your money for longer time like in PPF account where the money remains normally blocked for 15 years.

This is particularly important for you in case you need to have access to your money for any short-term goal in the near future like buying a house or providing for children's education or marriage expenses.

Other features: For making investment in FDs you need to have PAN which shall be mentioned on the FDR with other details like name and address of the person making the deposit. You should be careful about preserving these FDRs because in case you drop it or it is destroyed, you will have to follow an elaborate procedure for issue of spare FDRs. This involves furnishing indemnity bonds and getting either sureties or bank guarantee.

Nominations: One can appoint one or more persons as nominee to receive the money in the case of death.The nomination form can be filled either at the time of making the deposit or any time thereafter. However, in case the deposit is made for and on behalf of a minor, no nomination can be made in respect of such deposits.

In case of death of the deposit holder, the nominee can claim the money from the bank on the basis of death certificate of the unusual holder.

In case the nomination is made in favour of more than one person, all nominees will have to sign the necessary documents in order to claim the money from the bank in respect of the deposits held in the name of the deceased.

Source: [dnaindia]

Tuesday, September 18, 2012

How a Trust Deed could save your

In 1997, Marian van Overwaele refused to pay a 230 bill for bridalware. In 2010 thirteen years later - she and her family are granted a 14-day reprieve from eviction of her home - Knockderry Castle - after the legal costs defending the non-payment of the bill reached almost 1 million and caused her to be sequestered. To this day, no-one really knows why the case became so drawn out, expensive and antagonistic, but one thing is clear; like many cases before this one, things got out of control quickly and points in the proceedings where everything could have been resolved were missed. A number of debt solutions were available for the debt to be paid, but none were used.

The background to case starts simply and then veers off into one of the most complex legal cases Scotland has ever seen. After Mrs Van Overwaele failed to pay a 230 bill, a bridalware company took her to court for non-payment and was granted a court order against her. Despite this, Mrs Van Overwaele still did not pay and in 1998 the courts served a demand for 1573, the original 230 bill plus interest, expenses and costs. Mrs Van Overwaele still did not pay. In January 2000 Mrs Van Overwaele is sequestered for non-payment of the debt and her case is handed over to an Insolvency Practitioner.

It was then that Mrs Van Overwaele tried to pay 1800 towards the debt, which was refused as by this time she was legally bankrupt and the debt had mushroomed to 30,000. A subsequent appeal by her to the Sheriff was turned down in 2001. Mrs Van Overwaele appealed against the sequestration to the House of Lords in October 2002 and to the Court of Session in 2004, both of which were dismissed. By December 2009, Mrs Van Overwaele had appealed to the Court of Session again, this time to stop the repossession and sale of her home the 3million Knockderry Castle. This also failed. In January 2010 Mrs Van Overwaele sold the castle to her brother for 1million in an attempt to prevent it being sold by the Insolvency Practitioner. While the sale went through, the legal system did not see it as a legal because the castle did not belong to her but to the Insolvency Practitioner appointed to help her creditors recover their money. In October 2010 the bailiffs moved in to evict the family, but the family were given a temporary stay of execution and there they still are until the next round, some 700,000 worse off than they were 13 thirteen years ago and having cost the state and other parties concerned just under 300,000 to prosecute.

So what lessons can be learned about sequestration and debt solutions like Trust Deeds from this high profile case?

1) Complain quickly and use the correct procedures.

If you have a complaint about goods or services and you do not wish to pay, you must make your refusal to pay and the reasons why known quickly and in writing. If you do not tell a company and simply decide not to pay a bill, when you are taken to court you stand a greater chance of the case going against you for failure to pay. You are assumed to be happy with goods and services if you do not complain.

2) Do not ignore court orders

Whatever you do, do not ignore a court order and hope it will go away. By all means appeal, or if you feel that things are escalating beyond a point where it makes financial sense to carry on, pay what you owe and put it behind you. If you cannot pay at the moment, try and arrange a payment plan, either outside of or inside of a DAS or Trust Deed.

Refusing to pay out of anger, principle' or denial will only serve to make the case against you stronger and more likely to succeed if your creditors take you to court to request your sequestration to recover their money.

3) Understand the consequences of missing deadlines

Mrs Van Overwaele repeatedly failed to respond to important developments in her case. The only occasion where she attempted to make a payment was after her sequestration, far too late to do anything as all of her assets were the legal property of an Insolvency Practitioner. Perhaps she didn't understand what was happening, perhaps she underestimated the severity of what was happening. She may even have been in denial that her home could ever be taken over a debt so small. Whatever the reason, missing deadlines for payment and legal responses has led Mrs Van Overwaele down the path she is on.

Trust Deeds can turn a really bad situation around very quickly, although they wouldn't have worked for Mrs Van Overwaele, as she had the money to pay off the debt but for her own reasons chose not to. Hers was case of won't pay' rather than can't pay'. However if your castle' is in danger of being repossessed because you are in financial difficulty or you have debts you can't pay any longer, then a Trust Deed could help stop your problems spiraling out of control.

Saturday, September 15, 2012

Alternative Options To Cash Advance Payday Loans

Although cash advance payday loans are really rather useful when you're fighting out-of-the-ordinary states of affairs and therefore you are in need of a little bit of money without delay, they will have extraordinarily huge annual percentage rates that you can expect to be required to pay down inside a couple weeks.

In cases where you prefer to escape from needing to pay back considerably more in comparison to what that you borrowed, it follows that 1 option will be to think ahead of time and try to keep hold of a quantity of money set aside intended for tough periods and / or unplanned circumstances. You could possibly keep hold of extra money that you have left when you finish covering any finances as well as monthly bills, either using a savings plan or perhaps someplace inside your house whereby you would not become very tempted to take advantage of it all.

If it turns out you actually will not require a sizeable sum of money, then you certainly must think about asking particular members of your own family or friends to lend the money you will want as the alternate solution to getting cash advance loans. It's always slightly stressful to admit to your family or friends you've got credit issues, though this type of option is amongst the simplest ways you can try to get some hard cash. Amongst the most important advantages connected with this particular technique happens to be the reality that you will not likely need to pay any manner of interest charges whatever and additionally, in accordance with the particular predicament of the citizen you will be taking up some money from, you possibly will not be forced to give back the money before you get back onto your feet over again.

Another way you can obtain some cash with no need to cover any finance levies can be selling a high-end asset which you won't actually need to have or even make use of. But bear in mind, prior to when you make that happen, you'll should see to it that none of your close family has got a difficulty with this. Aside from that, it's good to take into consideration the intentions you had for this possession later on in life. As an alternative, if you don't absolutely need an enormous sum, you could plan a rummage or garden sale.

Obtaining a visa card that you only make use of in emergency situations is the one other readily available option to a money advance. Plastic cards which are utilized unwisely are one of the logic behind why consumers end up experiencing budgetary issues. At the same time, if you are using it sensibly, you will have a wonderful financial device at your assistance if you find yourself in danger.

Fast cash advances aren't so bad if you only happened to be short of hard cash for just a handful of days but, they're not a good idea for a remedy to coping with debts.

Wednesday, September 12, 2012

Functions And Benefits Of Hard Case Wallet- Report

Leather and fabric wallets were the most favorite wallets in the last decades. They were considered to be the best in all the aspects. But now in this current era the fashion is slowly changing towards hard case wallets. Hard case wallets are beneficial in many ways. These types of wallets are very spacious and are able to hold a lot of items inside it. They have separate compartments to hold identity cards, writing pads, cash, keys and coins, credit and debit cards etc. It has also got a special compartment for placing your pen.

These wallets have secure closing and thus prevent the entry of dust or other unwanted particles. It is very suitable to carry them too. Photos and id cards can be placed in transparent compartments which are easily visible when the wallet is opened. The special facility is that it can accommodate the checkbook as it is, without folding it or bending. These features make the Hard Case wallet a ideal choice.

They can select from a wide range of colors, designs, textures and shades, so that it suits perfectly to their dressing. They are also much more attractive, slim and fashionable than their counterparts. They can be used as a hand bag or as a purse too. The detachable strip enables the purse to be converted into a wallet. If you want to give your wallet added security, then the strip can be attached and then strip can be put around the neck or on the shoulder. This keeps the wallet safe from being snatched by anyone and always makes sure that they are with you. Men's wallets are classy looking to give them the formal look. They basically come in black, beige, brown and tan colors.

They have unique models and designs meant for fashionable women. It can be a perfect gift, if you are planning to gift someone on their birthday. Hard case wallets are available in many shapes, sizes and designs. They are made from harsh, lightweight materials and they offer greater strength and durability than the leather or fabric wallets.

Monday, September 10, 2012

Wholesale Real Estate Investing Contract Assignment

Wholesale real estate investing inevitably becomes part of a real estate investors business if they buy properties directly from motivated sellers. This means the price they buy the properties at must be low enough to allow them to make a profit when they sell at wholesale prices.

Contract assignment means that you assign the right to buy the property from yourself to another buyer, usually a real estate investor.

In other words, you simply change the name of the buyer to the real estate investor for an assignment fee.

All the terms of the contract will remain when you assign the contract.

How does it work? Here are the steps of doing contract assignment:

1) Get the property under contract The first thing when you identify a good property is to put it under contract. The contract must explicitly state that it can be assigned to another buyer.

You can do this by putting "and or assigns", e.g. "My Company Name and or assigns".

Without this little clause you might be unable to assign the contract. It is important to let the seller know that you might assign the contract to another real estate investor.

I also tell them that I could partner with another real estate investor. They must understand that the contract and closing will not be changed, and that at the end of the day, you will make some profit out of it.

2) Get title work done This is usually done by a title company or closing attorney.

3) Get assignment contract signed You then sign a contract where you assign your right to buy the property to a real estate investor buyer.

You must collect earnest money when you sign the contract. This earnest money is paid to the title company. I like to make sure that they stand to lose the earnest money if they do not close the deal, but that the earnest money is will be credited to the sale at closing.

4) Close the deal The buyer then gets the transaction funded ready for closing. When it closes, you get a check for the assignment fee.

Advantages and disadvantages of contract assignment When assigning a contract, you eliminate the cost of doing two transactions with two closing costs.

The assignment fee stated in the contract is what you walk home with. You must show the assignment fee in the contract.

This is also included in the HUD1, meaning that all parties involved including the seller know the profit you make in the deal.

This means that some sellers or even buyers could develop cold feet when they think you are making a lot of money and back out of the deal. To eliminate this risk, I only do assignment of contract when I stand to make little money. If I stand to make 00 or more, I do simultaneous closing instead.

It is also impossible to assign some deals such as REOs and deals involving a Realtor. Such contracts usually specifically disallow contract assignment.

The biggest advantage is that even with little to no money, you can make a deal happen and walk away with a profit.

Thursday, September 6, 2012

How Real Estate Postcards Can Help You Sell

For many real estate agents, the idea behind marketing solutions to help spread the word is a very real problem that many people are currently having to deal with. The difficulty of how to get more potential customers to see your properties and be informed so that they may buy can be a hard problem to solve. With real estate postcards, you will find that it helps potential customers stay informed.

Getting people familiar with you, your work, and the properties you offer is half the battle to selling and buying homes. When people recognize your name, they will be more inclined to want to work with you for their real estate needs. That is where a good marketing strategy really comes into play.

One thing that many real estate professionals have had success in over the years is through the implementation of real estate postcards to give people the information about you that they desire. Real estate postcards can provide people with the information about your current properties for sale as well as good general marketing to help people remember your name.

One type of real estate postcards that is commonly used is that of a ?Just Sold? property. It allows potential customers to see what kind of properties a certain company or agent offers along with price ranges. It is also a great way for a company to show the community that they are big in the local or national real estate industry.

If you have ever struggled with trying to get new clients to come look at homes for sale, or are having trouble getting clients to come to you to sell their properties than real estate postcards may benefit you tremendously.

The type of real estate postcard that you are most likely familiar with are those that represent 'Just Listed' properties. These postcards feature new properties that have just been put on the market and provide all the information on the property, including price, size, and location. These types of postcards can help any agent or company gain new clients.

The best thing about real estate postcards is that they do not focus on any special tactics to sell real estate. It is just as simple as letting the properties speak and sell themselves. The postcards are just an easy medium that real estate professionals use to make people aware of the properties.

Trying to become a successful real estate agent can be extremely difficult, especially when you are not utilizing proven marketing strategies that will make you successful. Real estate postcards can help you gain the business that you want for an affordable price.

Tuesday, September 4, 2012

Credibility Of Msi Credit Solutions

Financial goals begin when you start learning to spend. It is greatly influenced by how one lives his life, his interests, motives, plans, values. When one of the determinants changes so is his financial life. However, no matter how your life would change, the management of your finances should be maintained.

Having a sound financial management means having the opportunity to maximize the use of your money by having an arrangement on how you use your money, controlling your spending and being able to save on your behalf. That is the part of your bargain.

What if your finance does not meet the ends of your objectives leaving you with bad credit results, that is, a negative credit standing. You tend to look for a credible credit restoration company that would offer you the proper credit repair services. With the prevalence of many credit restoration companies, it would be like finding a needle in a haystack.

Nevertheless, if you would be objective in finding the right company, having an inquisitive attitude, you will be able to determine the legitimate ones from the scam. MSI Credit Solutions will lay down the cards for you. In addition, it will be your sole discretion whether to deal with it or not. You may opt to choose to require their services or you could do it on your own.

A private corporation physically located in Dallas, Texas, MSI Credit Solutions is an organization of skilled and professional financial experts who offers services like credit restoration, counseling services, collection, filing of dispute claims and the like.

MSI Credit Solutions will certainly provide you with all the details that you want pertaining to the specific services that you like. If you can definitely do it on your own, they would not hesitate in telling you that. What they guarantee is that the management of your credit will be handled by experts who have long reputation of being in the business and being successful at it.

Being able to verify the company's credibility is an important factor, MSI Credit Solutions provides you with the opportunity to confirm the validity and legality of their pursuits by allowing clients to view their company's history of service. Previous clients that they have could be corroborated to evaluate the service that they have provided. There are testimonials available for review. Thus, you are provided the means to determine if MSI Credit Solutions could deliver their mission. Not in a short-term goal but more importantly a long-term plan that would ensure a client's financial stability.

The extent or span of the coverage of their services will definitely ensure that financial management of your accounts in the substantial meaning of the word is performed. Their guarantee that they can deliver what they have said is always a part of your agreement. Everything is in context. If they gave you their word, it is always in the paper. That means you are guaranteed to the outcome. It is their vision to commit to their service and fulfill their mission in achieving the kind of credit standing that one deserves.