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Month: September 2014 (page 1 of 3)

INSTANT LOANS FOR UNEMPLOYED – FINANCIAL HELP FOR UNEMPLOEYED PEOPLE

The main thing that a society should do, is taking of steps in curbing the unemployment directly and indirectly. There should be help from every side to improve the employment rate. The government, corporate and the financial markets are doing a lot to improving this thing. The financial institutes are providing the schemes which are beneficial for the unemployed. These have hectic procedure to obtain the finances. So the unorganized lenders are also helping these unemployed people by letting the finance for short time or till they are not employed. One of these scheme is instant loans for unemployed scheme that help you in every matter related to employing for a job or job searching.

The instant loans for unemployed scheme is liked by most of the people in the society. This scheme helps you in providing money easily for the tasks that are related to your personal life, for which you cannot borrow funds from anywhere in the market. The application and issuance process of the finance is very easy. This is available online. You can find a suitable lender on the internet. You may be asked to fax some of the important documents. You have to meet the following criteria that is extremely important for getting a finance.

You are domiciled in UK; You are registered in national level unemployment records; You have a valid bank account in any nationalized bank; You are not a bad credit scorer; You are above 18 years of age; You have never been a bad credit holder. The rate of interest is not so large. It is affordable for every person. If the lender is convinced that he will get his money surely without any risk, he will transfer the funds into your bank account instantly. You can use the funds according to your ways. The main thing is that the lenders are more interested in the safety of the finance.

Financial Importance Behind a Short Term Investment Plan

Investments can be both short termed or long termed covering the interest and financial planning done by the investors. This is because behind the management of money, investments plays a major role which every investor cares to understand and plan accordingly. To begin with an individual interested in investing should decide upon the percentage of his income he care to put on a short tem investment plan. Based on the savings and financial conditions these plans related to investment should always be made touching all the factors of risks and loses. To avail the benefits found in the present market condition, many individuals go for investing for a shorter period of time. This is because fast changing rate of interest on commodities like silver, gold and other stocks attract the investors to put some amount based on the same after certain worth countable planning that can incur a profit subsequently.

It is found always necessary to set some financial goal for a better and secured future. Such plans based on the economical and financial conditions of an individual can be either purchase of a house, a retirement policy or any similar aims that involves discipline investment planning before achieving it. People go for long time investment plans to meet their goals related to economy and finance. But if he fails to appear in any optimized solution before investing on such plans, he should approach or hire a financial planner with no trace of hesitation. This is because these financial planners can provide best services catering all the demands and expectations of any client or customers that seeks his profitable advices.

A financial planner has the potential to look and estimate about all the unseen risk factors and can perfectly estimate if any losses can erupt abruptly behind any short term investment policy. He is a skilled person to elaborate every nook and corner of an investment plan showing both the positive and negative aspects of the same. Moreover, in long term investment policies, the factors concerned with the tax benefits, money management, etc can be best monitored by these financial experts. So at any point of time slot an investor should consider these factors and consult a financial if unless he fails to focus on all the possibilities and outcomes behind an investment. jacyspin providing the long term and short term investment, portfolio management services

Title Benifits Of Online Digital Marketing

Summary / Description:

Digital magazine store is known all over the global. It is one of the best way of reading books and magazines online. It brings a new feel to the magazine lovers. A new interactive way of reading magazines without losing the lustrous reading experience. Its a perfect way of reading the magazine on your choice of device.

Authur Biography:

Magzter.com is the world’s leading digital magazine store and newsstand which enables readers to access Digital Magazines across all multi-platform devices provides with more than 2,500 magazines from a wide range of publishers. Get your Online Magazine Subscription from http://www.Magzter.com

HTML:

Magzter.com is the world’s leading digital magazine store and newsstand which enables readers to access Digital Magazines across all multi-platform devices provides with more than 2,500 magazines from a wide range of publishers. Get your Online Magazine Subscription from Magzter.com

Body:

Digital magazine store is known all over the global. It is one of the best way of reading books and magazines online. It brings a new feel to the magazine lovers. A new interactive way of reading magazines without losing the lustrous reading experience. Its a perfect way of reading the magazine on your choice of device. You just have to Tap.Read.Enjoy and you will be able to read your favorite magazine.

Digital magazines are a sure way to experience the web technologies that have been developed over the years. Being a product of the digital publishing, digital magazines offer you all the facilities that you can find in any other digital publishing product. They are able to incorporate all types of media in a single file and hence are valuable for online websites where there is limited space to give your all information to let the world know about you.

Tools of digital marketing:

Now we have the most powerful digital publishing tools i.e. Flip Book Software that allows us to quickly and easily create interesting page turning electronic publications such as E-Catalogs, E-Brochures, E-Presentations, Online e-Books and much more to cater our all digital publication needs.

Benefits Of Online Reading:

The online magazine store offers its users a huge variety of online magazine subscription with discounts. Readers can browse, preview and purchase magazines of their choice with a single touch. When you purchase a magazine online, you can read it on any 5 of your favorite smart devices. When publishers embed bonus video and audio content in their digital editions, you will get right inside the magazine! As you flip through the pages, click on the link in the article and move right into HD video at its best. Enter a contest, take a poll, or follow an interesting website, all without leaving the issue. It is the ultimate way to browse, buy, and read periodicals on your tablet or smartphone, whether it is Apple (iPad/iPhone/iPod) or Android (Samsung Galaxy, Motorola Xoom, Dell Streak, Google Nexus-S, etc.), Windows 8 or just online on the web. Online reading is also available on storefronts like the Amazon App Store and Huawei App Store among others. Digital magazines are available to the readers as long as the publisher permits. Some of the digital newspapers and magazines maintain the archive section where you can read the past months articles or news which is virtually not possible in the case with the printed magazines. No one desires to stock their magazines which not only occupies immense space but only makes the house messy.

Saving Purpose Of Digital Marketing: If people start adopting the trends of reading through the online mode without involving any printed form or material, lots and lots of the trees will be saved form cutting and will immensely help in maintaining the equilibrium. With printed magazines, there is transportation involved as they have to be transported from the area of publication to the magazine seller shops. Thus, these also add to the wastage of energy and fuel which can be easily saved if people resort to the online world of magazines.

Enhancing Financial Inclusion in India

http://egov.eletsonline.com/2013/10/enhancing-financial-inclusion-in-india/

Anurag Jain Joint Secretary, Department of Financial Services Ministry of Finance, Government of India

-Government has issued detailed strategy and guidelines on Financial Inclusion, advising banks to open branches in all habitations of 5,000 or more population in underbanked districts and 10,000 or more population in other districts,- says Anurag Jain. In Conversation with Nayana Singh.

Today Financial Inclusion is a key focus area for the Government of India. Tell us about the work that you are doing for promoting Financial Inclusion in the country? We need to develop policies and systems for proving basic financial services like insurance, banking and the related facilities to all sections of society. It is well known today that the expansion of the banking and insurance networks are being planned very aggressively. RBI and similarly IRDA have already come up with guidelines that enable certain kind of branches to be opened without any permission. In the ministries last budget speech, the Hon’ble Finance Minister had set a very aggressive target for opening up of new branch offices for banking and insurance verticals. Another major step that we have taken is to map the entire country into zones that are not being adequately serviced by the banking industry. In such areas, other systems, like the Banking Correspondents model, are being developed to provide banking related services. In 2006, RBI permitted banks to use the services of intermediaries for providing financial and banking services through the use of Business Facilitators (BFs) and Business Correspondents (BCs). Business Correspondents act as retail agents of the banks in providing banking services at locations other than a bank branch/ATM. BCs and the BC Agents (BCAs) represent the bank concerned and enable a bank to expand its outreach and offer limited range of banking services at low cost, particularly where setting up a brick and mortar branch is not viable. BCs as agents of the banks, thus, are an integral part of the business strategy for achieving greater financial inclusion.

Financial Inclusion

Banks play a key role in implementation of DBT and this involves four important steps: Opening of accounts of all beneficiaries Seeding of bank accounts with Aadhaar numbers and uploading on the NPCI mapper Undertaking funds transfer using the National Automated Clearing House – Aadhaar Payment Bridge System (NACH-APBS) Strengthening of banking infrastructure to enable beneficiary to withdraw money Financial Inclusion

What kind of impact are the initiatives taken by the Finance Ministry having in the rural areas? Please tell us about the challenges that you face in bringing Financial Inclusion in the country. The challenges will always be there, but we are working to bring improvements. It is only a matter of time before we are able to reach out to every corner of the country. The point is that if you look at from the point of viability, then it becomes obvious that the brick and mortar kind of branches will not be financially viable in the sparsely populated rural areas. Therefore we need to come up with innovative approaches like Ultra Small Branches (USBs) and the BC model. Opening a brick and mortar kind of branch, even if it is of minimum staff strength, will cost lot of money, so we have to rely on the USBs and the BCs. You see an USB can work very effectively with only one employee and an affiliated BC. Regional Rural Banks (RRBs) are also allowed to open branches in Tier 2 to Tier 6 centres (with population up to 99,999 as per Census 2001) without the need to take permission from the Reserve Bank in each case, subject to reporting, provided they fulfil certain conditions. The challenges that we face are being overcome by use of new technology. Today BCs can share data by using small hand held devices. This enables us to reduce cost, while providing timely services in remote areas.

The government has come up with the ambitious Direct Benefit Transfer (DBT) scheme. What kind of impact do you see DBT having on Financial Inclusion? DBT will definitely serve as an incentive for the people to open bank accounts. After all, there can’t be any DBT if people do not have bank accounts. In some places, where banking facility was not available, people had accounts in post offices or primary cooperative society. Now many of these institutions are not on CBS, so you can’t make transfer of funds. The postal departments are now having an aggressive programme for computerisation; once that happens they will be able to support DBT. Many cooperative banks are also developing the CBS platform. You see, the DBT will force players in the financial space to upgrade their technologies and that will be beneficial from the angle of financial inclusion as then these institutions will be able to deliver many more financial services.

What is the roadmap for implementing DBT in every government department? The DBT programme was rolled out on January 1 this year, beginning with 43 districts and expanding to 121 districts from July one. Transfer of LPG subsidy through DBT was rolled out from June 1 and now covers 20 districts. In LPG, over 2.8 million DBT transactions valued at `116 crore have taken place in seven weeks. The thing is that when people talk about DBT they usually mean Aadhaar linked transfers. Unfortunately in many districts Aadhaar is yet to be generated. The Direct Benefit Transfer for LPG (DBTL) scheme is currently under implementation. In this case the districts have been selected on basis of their success in enrolling the population for Aadhaar. The districts were the Aadhaar generation is highest have been taken up for DBTL. As of now this is working quite well. Once we have sizeable Aadhaar enrolment in all the districts, DBT will become the norm. The bulk of the work in DBT at the moment is in digitization of databases, re-engineering government processes for automating financial transactions, enrolling in Aadhaar and ensuring that every recipient has bank accounts seeded with Aadhaar.

ATMs have become very popular in the urban areas. Do you see the scope of using ATMs for improving access to financial services in rural areas? ATM can provide the 24X7 services, and so it is very important. In rural areas, we have issues about the timing of the bank branches. Normally the branches operate from 9 AM to 6 PM, but villagers normally want services early in the morning or late evening. It is also true that you can’t have bank branch everywhere. So ATMs are important as they will allow the citizens to access their funds in banks whenever they wish. The Finance Ministry has now asked state-run banks to expedite installing ATMs in rural areas.

Ministry of Finance has started the scheme to install White Label ATMs. What kind of progress is being made in that area? The banking space has seen considerable growth through the ATMs, (approximately 87000 ATMs at present) but the same has been restricted principally to the urban/metro areas. Last year, the Reserve Bank of India, had allowed corporates to set up white label ATMs to increase the penetration of ATMs in several areas of the country. Most ATMs, or machines that dispense cash, are owned by banks. But ones that are owned and operated by non-banking companies are called while-label ATMs (WLAs). They function just the same way as any other bank-run ATM. This scheme has picked up late. From Jan 2013 it is started so by Dec 2014 we should have 63000 WLAs in place.

In Kenya and few other countries of Africa mobile banking is a success story. But in India mobile banking is not picking up to a substantial extent. Why is that so? Efforts are being made to popularise mobile banking. Today most public sector banks have enabled mobile banking and it is matter of time before large number of consumers start recognising it as a good medium to meet their banking related needs. As far as policy front is concerned, all the regulations are in place, not it is only a question of taking the product to the consumer. In Africa, mobile banking is popular because it is the only channel for consumers who want to avail of banking facilities, whereas in India consumers have access to a range of facilities. Also the mobile banking charges need to come down. Another point is that even though today we have more than 70 crore mobile users, not everyone is using device with data connectivity. That too needs to change.

DBT Will Enable our Financial institutions to upgrade their technology

Over the last decade Public Sector Banks have made many commendable efforts to integrate IT into their operations. What else can be done to leverage ICT to improve the efficiency of the public sector and cooperative banks? Today it is difficult for us to imagine banking without IT technologies. Most of the banks have integrated operations with Core Banking Solutions (CBS) in place, and most of these platforms are capable of talking to each other. The same is the case with ATMs. The Department of Financial Services has worked to make PSBs become clones in terms of technology, standardisation of manpower recruitment, accounting practices. Cooperative banks are different; their operations are such that they cannot immediately go to the CBS platform. NABARD came up of a scheme to put the cooperative banks on CBS, but its execution will take time. One reason why cooperative banks find it difficult to achieve a 100 percent implementation of CBS is the remote locations of branches. This also makes it impractical to roll out technological solutions to all branches.

Debt management program Your way to financial freedom

Debt management program helps people to mange their debts effectively. With debt management program you can easily do away with all your debts with minimum effect on your credits. This program is carefully charted out based on your current debts and financial situation so that you get out of debts and remain debt free in future also.

Debt management program includes debt elimination, debt negotiation, credit counseling and debt consolidation. With the help of these you can easily reduce your pending burden.

Debt elimination requires you to pay only a minimum amount to close all your debts. By closing all your existing debts you will be free from paying interest to all those sources. The money saved in this way may be used to repay the existing loan which will be having a little bit more interest. By doing this you can relieve yourself from all your debts.

Debt negotiation is also an important part of the debt management program. In this case you can with out any help or with the help of an expert interact with the lenders to agree for a reduced amount for lump sum payment. That is the lender will reduce the total amount so that you can repay it completely and come out of your debt.

Your financial advisor will give you tips to effectively repay debts so that your credit score increases while your debts are eliminated. You will get benefited from the vast experience of your advisor to manage your debts within your budget. With credit counseling you can learn to remain debt free and handle your financial obligation in a better manner.

Another important part of debt management program is debt consolidation. Debt consolidation allows you to merge all your outstanding debts and unpaid expenses into one loan. This new loan carries lower interest rate so that it becomes easier for you to settle all your debts. The monthly installments on this loan are low and manageable.

A debt management program is a simple and effective way of solving your financial mess. Once all your debts are settled in full your credit score will also improve and will be able to enjoy a life without debts.

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