Category Archives: Financial Services

Financial Services

Debts, Financial, Financial Services, Loans, Money, Personal Finance

Payday Express Launched A New Website To Improve The Customer Experience When Applying Online For Payday Loans

Payday Express, one of the UK’s leading online payday lenders, recently launched a new website to improve the customer experience when applying online for payday loans.

The company has redesigned its website paydayexpress.co.uk with the aim of making the online application process more straightforward and quicker than ever before.

A major part of the design brief also focused on transparency, as Payday Express aim to make their product offering and all charges as clear as possible upfront to customers looking for payday advance loans. Along with various articles providing general information, they have added a repayment calculator to the Home Page, allowing customers to see exactly what they’ll need to repay if they take out a loan.

The application process on the new website has been improved, enabling customers to apply for a loan and receive an approval decision within the space of a few minutes. The company, however, remains committed to responsible lending. Ashleigh Preston, Marketing Manager at Payday Express said, “Whilst we are focused on making our loan application and approval process as quick as possible, to meet our customers need for fast cash, we are also careful to carry out various checks to assess affordability. We also promote responsible borrowing from customers, encouraging them not to apply for a loan if they are not completely sure they will be able to repay it on payday.”

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Financial, Financial Information, Financial Services, Insurance, Insurance Services

Young Drivers Face Catch-22 Conundrum Reports Tiger.co.uk

The recent publication of The AA’s 2010 Insurance Premium Index has again highlighted the growing problem of increased car insurance costs for younger drivers. The Index estimated that insurance for 17-22 year old drivers increased by over 58% in 2010. This equated to a massive £829, increasing average premiums for this age group to over £2,250 – more than the cost of many first cars.

The team at Tiger.co.uk, a motor insurance comparison site, has highlighted another statistic about young drivers that also needs to be considered. The Motor Insurance Bureau (MIB) has estimated that 5% of motorists – over 1.2 million – are driving without insurance and 20% of these (243,000) are 17-20 year olds.

The same organisation estimates that the high level of uninsured driving has contributed towards the extraordinary level of inflation in car insurance premiums, adding about £30 to the cost of policies for legally insured drivers.

When viewed together these statistics lead to a worrying conclusion: as car insurance becomes increasingly unaffordable for younger drivers, so they may be increasingly tempted to drive without any insurance at all. This, in turn could lead to a rise in uninsured drivers’ compensation costs, again fuelling further increases in car insurance premiums.

A spokesperson for Tiger.co.uk commented: “The relationship between escalating insurance premiums and the growth of uninsured driving is inescapable. It could well lead to a “Catch 22” situation whereby having more uninsured drivers contributes to increased premiums causing drivers, particularly young drivers, to risk driving without insurance – which is of course a criminal offence. We would recommend that young drivers take the following steps to try and get cheap car insurance:

• Use car insurance comparison sites like Tiger.co.uk to make sure you get car insurance quotes and compare policies and get from a wide range of insurers.

• Consider taking the Pass Plus exam after passing your driving test – premiums can be reduced by up to 30%.*

• Have a look at ‘pay as you drive’ policies such as those offered by Insure The Box and Coverbox – both of which are available via Tiger.co.uk’s comparison service (the only car insurance comparison site to offer both of these insurance brands).

• Choose your car carefully – go for something in a low insurance group.

• Drive carefully and build your no claims discount as this can significantly reduce your premiums.”

The spokesperson also reminded young drivers shopping for cheap car insurance:
“Don’t be tempted to get an older driver to “front” your policy for you. This practice of having an older more experienced driver as the main driver on a policy is illegal and can lead to insurance being void.”

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Financial, Financial Information, Financial Services, Insurance, Insurance Services

The Business Octopus Lends a Hand in the New Year with Cheap Office Insurance

In recent years there have been plenty of businesses and entire industries that have suffered as a result of the tough economic circumstances. Business insurance expert, The Business Octopus, is now urging firms to protect themselves by taking out office insurance and making sure there are no more unpleasant surprises.

The Business Octopus provides companies with a wide range of insurance services and operates across a large number of industries, offering everything from teacher and tutor insurance to retail, restaurant, bar and pub, and landlords insurance.

Taking out appropriate cover and having a safety net in the form of a business insurance policy can prevent businesses from losing money through accidents, damage and indemnity-related issues.

Speaking for The Business Octopus, Patrick Herdman said: “The rise in VAT and other cutbacks have hit many businesses hard and this is why as we strongly believe that all companies should have some form of insurance coverage, to prevent them having to shell out even more this year.

“Some industries may seem to be relatively risk-free, but incidents such as theft and disasters like flooding, can happen anywhere at any time. Making sure the company is protected and able to move on quickly from this kind of situation is something that should be on every business’ agenda”

‘Should your firm be giving advice in anyway, protecting yourself with a comprehensive professional indemnity insurance policy is important, with failure to do so leaving the company open to serious losses. Most industries and trades are covered by The Business Octopus and policies can be tailored to suit the company’s needs with a variety of bolt-ons to their standard business insurance policy.

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Business, Financial, Financial Information, Financial Services, Investment, Money, Stocks, Trading

Singapore Options and Futures Exchange (SGOFX) Announces New Copper Contract

A new contract was released to subscribers. This contract is for copper ore and the length and investment opportunity for subscribers is unique.

Singapore Options and Futures Exchange continues to expand its offerings of pre-sold commodities contract participations with the announcement today of a Copper Ore contract that has an approximate length of 100 days from inception to payout.

“We are excited about our new Copper Ore offering, not only because we have expanded into this potentially lucrative commodity, but also because we are continuing to lengthen our contracts, allowing us to maintain attractive risk-adjusted returns while increasing profitability” said Mr. Samuel D. Brown, SGOFX press officer.

The future holds that even more contracts will be available. From Coffee and Sugar; to Iron Ore and Copper Ore, SGOFX is working hard to offer investors a variety of investment opportunities so that they can realize a more varied investment opportunity.

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Business, Financial, Financial Information, Financial Services, Investment, Money, Stocks, Trading

SGOFX Visitors and Culture Center

Singapore Options and Futures Exchange (SGOFX), today announced its plans for the construction of its new Visitors and Cultural Center facility. The center will be located the SGOFX office and will greatly expand the footprint of the exchange space. The facility measures 1200 square meters and includes raised flooring, provides 24×7 climate control through grade air handling units and provides electrical power redundancy through a combination of Uninterruptible Power Supplies and diesel back up power generator. The SGOFX Visitors and Cultural Center will offer visitors a variety of presentations, in English, on the main aspects of the Securities, Commodities and Futures Exchange, its markets, trading systems, projects, indices and statistics.

SGOFX Visitors and Cultural Center is due for opening in April 2011 and is expected to receive 350-400 visitors a day. Here, visitors can watch 3-D institutional videos, lectures and simulations of trades carried out by a brokerage, in addition to learning about the history of the Exchange.

The space will as well provide visitors with the opportunity of enjoying works of art by renowned foreign artists and exhibitions of historic value.

“We are extremely pleased to announce the upcoming 2011 opening of our new Visitors and Cultural Center facility. This project is a major undertaking and our entire team handles the transition professionally and we now look forward to providing our customers an even better experience and understanding of the commodity markets and exchange insights”, said Mr. Samuel D. Brown, SGOFX press officer.

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Credit Cards, Financial, Financial Management, Financial Services, Financial Solutions, Money, Personal Finance

Advantages of Xmas Sale Shopping Using a Prepaid Card prepaidcreditcardsuk.org.uk

The Christmas sales are now well under way so out come the credit and debit card, but new statistics show the prepaid credit cards can offer better protection and service than traditional plastic brands.

Online visits to prepaidcreditcardsuk.org.uk have increased significantly over the last 6 months as traditional shoppers, turn away from credit and stick to debit shopping in order to keep debt to a minimum.

Prepaid credit cards come in all shapes and forms, and some cards like the now notorious Kardashian prepaid card have given this form of spending a bad name.

However the reality is that many prepaid cards actually offer significant advantages over credit purchases and some even offer money saving deals and even free phone credit.

For example the Escape card which retails at phones4u offers cashback on purchases made at GAP, USC, Littlewoods, Argos and Avon and many other stores online.

More importantly than getting cashback on purchases a prepaid card allows you to budget far more easily and not spend more than you can actually afford. For example if you have a monthly income and you want to make sure that you don’t overspend you can load a prepaid card with spending money and this will stop you never overspending.

And finally as online fraud is becoming more sophisticated a prepaid card can offer an additional layer of protection when making purchases online by minimising the risk as you only have a set amount of money in your account at any one time.

prepaidcreditcardsuk.org.uk is a UK based comparison guide offering the latest information about prepaid credit cards for the United Kingdom.

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Financial, Financial Services, Money

Cash for Gold Company

The past few holiday shopping seasons have been lackluster as retailers worked to boost sales in a faltering economy. Once again, the holiday promotions are rolling in to be greeted by skeptical consumers. As stores scramble to boost sales, there is now a pain-free way to get more cash into consumers’ pockets, thereby boosting our economy – sell gold. Selling gold for cash is a great way to improve cash flow, proclaim analysts. If consumers would sell their gold, they would receive cash for gold just in time for the holiday shopping season.

Getting cash for gold benefits all involved parties. Consumers appreciate the widened budget they now have for holiday shopping, or just some splurging without a guilty conscience. Retailers see greater interest in the promotions and sales, and more willingness to spend. This goes right up to wholesalers who are also influenced when consumers sell gold. Wholesalers also see an increase in sales.

Major economists are now working at a frenzied pace, crunching numbers in an effort to forecast the impact this holiday season will have on the economy. Studies have shown that consumer spending rose less than forecast in September as incomes dropped for the first time in more than a year, a sign Americans may keep rebuilding savings and paring debt as the economy is slow to recover. Getting cash for gold is ever more enticing to those trying to save.”While consumers have shown they are once again willing to spend on what’s important to them, they will still be very conscientious about price,” said NRF Chief Economist Jack Kleinhenz. “Retailers are expected to compensate for this fundamental shift in shopper mentality by offering significant promotions throughout the holiday season and emphasizing value throughout their marketing efforts.”

Now is the time for consumers to sell gold. This method of earning extra cash is helpful to all sectors because it is not an option solely available for those with extra capital; everyone has old gold jewelry, cash, chains, and the like, to sell. Selling cash for gold also means extra cash without the stress of working longer hours or taking on more work.

Getting cash for gold can be virtually effortless. Between pawn shops, jewelers, and online gold buyers, experts agree that the best way to sell cash for gold is through the web. Online gold buyers have much less overhead costs than a business with a storefront. They can therefore offer a much greater payout. The actual process is fast and easy. Sellers need just request a CashPak online, and one is mailed out promptly. After the seller sends in a short form along with the gold in a FedEx insured envelope, a check is returned within twenty-four hours. If the seller is not happy with the amount, he may return the check for a full refund of his gold. Economists and gold experts alike agree that with gold hitting all-time highs, and the economy struggling out of record lows, now is the time to sell gold for cash.

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Debts, Financial, Financial Services, Loans, Money, Personal Finance

Couple’s Horror Story With Bank Charges Highlights A Need For Other Short-Term Credit Options

Payday loans are often given negative attention in the media because they’re viewed as a form of high cost credit. However, while banks are clamping down ever harder on customers who don’t stick to the terms of their overdrafts, and inadvertently pushing some customers into unmanageable debts, a leading payday loan company says payday loans offer consumers another option when faced with a need for emergency credit. It also advocates the simplicity and transparency of this option, especially when compared with unauthorised credit charges.

A national newspaper recently highlighted the plight of a young couple who found themselves being expected to pay out a staggering £1,700 to a high street bank – all because they went overdrawn by eight pence.

Angela Hannibal, from Essex, had an account with a high street bank on which she was charged a monthly administration fee. When, one month, that fee took her overdrawn by just 8p, her bank immediately demanded a £170 administration charge.

Angela, who had a young son with her partner, Wayne Green, could not understand how they were continually paying back money to the bank and then getting charged again every couple of months, which kept the debt spiralling out of their control.

Payday Express maintains that their instant payday loans offer consumers a choice in the short-term credit market; an alternative to being at the whim of fees imposed for unauthorised credit. Angela could potentially have avoided those extra charges had she taken out an emergency loan to clear the debt initially or, better still, to avoid going into unarranged overdraft in the first place.

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Business, Financial, Financial Information, Financial Management, Financial Services, Money

Irevna Achieves Milestone as Argentina Crosses 50 Employees

Irevna continues to expand as its Buenos Aires, Argentina research center crossed the milestone of 50 permanent employees. Irevna Argentina currently now has a head count of 51 after three analysts were hired in April. Irevna has hired 15 new employees so far this year.

“We at Irevna strive to offer the best solutions to fit the specific needs of our clients. This includes the capability to provide our customers around-the-clock service with research centers across geographies and time zones in countries such as Argentina, Poland, and India,” says Mani G. V. Mani, Senior Director, Offshoring Business – Irevna. “We continue to prioritize the needs of our clients first, which is the reason Irevna continues to experience such strong growth.

Irevna has been ramping up its hiring in Argentina as clients want the benefits of offshoring, such as labor arbitrage with highly qualified resources, while maintaining a high level of interaction with the offshore analyst. Many clients based in the US and Canada require real-time support during earnings season or periods of market volatility Outsourcing to Argentina, which is only one hour ahead of New York during most of the year, is a solution that many clients have been requesting.

“The increase in employees in Argentina is also the result of an internal strategic decision. Growth is a primary objective for 2010 and we are actively recruiting new analysts,” says Gustavo Araujo, Group Lead of Irevna Argentina.

Irevna was the first KPO to open a Western Hemisphere Deliver Center in Argentina in November 2006. Irevna has started a research center in Wroclaw, Poland to satisfy the demand for similar services in Europe. Irevna is the world’s top-ranked research, analytical and financial services offshoring firm with a global workforce of close to 1,300 analysts.

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Business, Financial, Financial Information, Financial Management, Financial Services, Money

CRISIL-Irevna Buys Pipal Research

CRISIL-Irevna, the world’s top-ranked financial services and investment Knowledge Process Outsourcing (KPO) firm, today announced the acquisition of Pipal Research (Pipal), a large player in the KPO Industry. Pipal is headquartered in Chicago. The combination of CRISIL-Irevna and Pipal will be uniquely positioned in the high-end analytical offshoring space with the widest range of services, geographic locations, and customer diversity. Pipal’s operations are complementary to CRISIL-Irevna’s, enabling the combine to strengthen its leadership in the KPO industry. CRISIL Irevna has consistently been ranked the No.1 financial services and investment KPO firm by the Datamonitor Black Book of Outsourcing.

Speaking of the acquisition, Roopa Kudva, Managing Director and CEO of CRISIL Ltd, said “This is an important milestone in the CRISIL-Irevna journey, enabling us to further strengthen our leadership position in the high-end KPO space. Pipal’s deeply embedded client relationships provide a strong platform for growth. The two organisations have complementary strengths, which will enable us to serve our clients better. We look forward to working with Pipal’s talented employees and providing them exciting career growth paths.”

Mr. G.V. Mani, Senior Director, Irevna, added, “The acquisition of Pipal Research not only gives us an opportunity to expand our spectrum of offerings but also presents us a strong customer base, partner franchise and most importantly talented employees, who will enrich our service capabilities.”

Pipal provides business research and investment research services. Its clients include leading global firms in the telecommunications, technology, consumer packaged goods, and industrial sectors, and in the financial services space. Pipal has three research centres in India (Gurgaon, Noida and Bangalore), and an office in Chicago. Majority-owned by Firstsource Solutions Ltd, Pipal reported USD8.1 million of revenue for the financial year ended March 31, 2010.

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401K, Financial, Financial Information, Financial Services, Investment, IRA, Money, Personal Finance, Retirement

Financial Planners: Three Questions To Ask For The Current Market

Especially in today’s economic climate, many people are reassessing their financial planners. A large amount of people have been losing money in the market, so clients should not be unnecessarily harsh with their planner; however, individuals must find out if their planner is using this widespread downturn to cover personal mistakes. Here are three questions clients should ask their financial planners.

1. How many personal investment have performed? Clients should find out how their own investments measure up to the Dow and use the current situation to benchmark performance. Find out how these investment compare to relevant indexes or funds with similar strategies. These should be examined over recent months and years, not day to day activity. If it is found that an advisor is doing much worse than benchmarks, they may have made bad decisions. If it is much better, examine whether they got lucky on risky investments. Clients should get detailed explanations.

2. How do the current investments meet with personal goals? One of the top advantages of working with financial planners is that they should be choosing investments that fall within an overall financial plan and time frame. This is to keep long-term funds mainly in stocks for future growth without the need to sell in order to cover expenses. An advisor should know how much in emergency funds a client should have, where it is invested and how liquid it is.

3. What adjustments are being made for the current market. The best financial planners have plans in place for such market downturns. An advisor should not make rash decisions in a market downturn. This is especially true for well-diversified and properly time framed investments. An investor should recommend caution when looking at additions to equity exposure during a downturn.

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Financial, Financial Information, Financial Services, Investment, IRA, Money, Personal Finance, Retirement

Retirement Planning: Roth IRA Basics

A Roth IRA, or individual retirement account, is one of the most beneficially retirement planning opportunities available. They offer tax-free growth and are an ideal way to become financially independent by retirement. They are available to people who are not eligible for a 401(k) employer matching contribution and people who are able to save more money for retirement than the amount that their employer matches.

People can open a Roth IRA at the majority of bank and brokerage offices in person and online. The forms are basic and assistance is generally available. Typically all that is needed is a social security number and the social security numbers of any potential beneficiaries that may be placed on the account.

When creating a financial plan, an individual must consider their earned income when it comes to their Roth IRA. The contribution amount permitted is limited by the earned income, which includes wages and self-employed earnings. This, however, does not include interest or dividends. For people who are married, the contribution is limited to the total of the combined earned income.

The contributions limits for Roth IRA retirement planning accounts can vary from year to year. This can also vary by age. Generally, if you are under 50 years of age, you can contribute up to $5,000. If you are over 50 years of age, you can put in up to $6,000. These are the combined contribution amount. An applicant should obtain financial guidance to find out specifics.

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Business, Financial, Financial Services, Investment, Money, Personal Finance, Stocks, Trading

Everbrighter Financial – The Ones You Can Trust

Everbrighter financial Ltd. is pleased to announce the launch of its new website at www.ebfgroup.eu and hopes that this new interface will provide clients, both new and old, with all the information and help they require.

Everbrighter financial provides “turn-key” solutions of transfer agent, legal, EDGAR and other related services to public and private companies. We serve as Transfer Agent performing the functions of original issue, cancellation and reissuance of stock certificates and uncertificated shares. We are committed to delivering a complete package of products and services focused on today’s technology but never losing sight that service is our first priority. Expect to receive prompt attention to your needs as well as those of your shareholders.

For more than 12 years Everbrighter financial has been an industry leading stock transfer agent, helping companies from around the world with their stock transfer and registrar needs. In all that time, we have never lost a client to dissatisfaction — NEVER! With the new improved website we are determined to carry on with this tradition of excellence.

We are proud of this unequalled record of achievement and we remain dedicated to providing our clients with superlative stock transfer agent services. Everbrighter financial provides a complete array of worry-free corporate stock transfer and registrar services. Our professional stock transfer agent staff will provide you with complete assistance with any corporate stock actions and guide you through any transfer of stock ownership.

Among stock transfer agents, Everbrighter financial stands out. The biggest difference between us and our competitors is our uncompromising dedication to providing unmatched service. When you experience the way we fulfill all of the needs that you, your company and your shareholders have, you will understand what we mean when we say service is what matters most.

The proof of our dedication to service is illustrated by the fact that in our 12 plus years, Everbrighter financial has never lost a client due to dissatisfaction!

Every time you call us, a real live human being will actually answer the phone in three rings or less! No more spending ten minutes winding through a voice mail system, just to leave a message for someone who isn’t even there! Every member of Everbrighter financial will know you and be able to assist you.

We do not have the overhead of the mega-transfer agents and we pass the savings on to you. The efficiency of our expert stock transfer agent staff can also save you thousands of dollars as we help you eliminate costly mistakes.

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Financial, Financial Services, Home Equity, Loans, Money, Mortgage

Abacus Financial Continues to Expand In Uncertain Economy

Abacus Financial, the national expert in the resolution of distressed commercial real estate borrowers and operating companies is extending its purchasing campaign at an unprecedented pace. Having acquired and sold hundreds of apartment, industrial, office, hospitality, warehouse, single family residential and retail properties in the last 30 years, Abacus knows the ups and downs of real estate cycles and is uniquely positioned to help property owners and investors out of their negative equity predicament.

While countless real estate operating companies and investors are faced with maturing loans and the worst real estate market in decades, Abacus is actively seeking to purchase distressed properties and portfolios, regardless of delinquencies, negative equity or eminent default.Abacus provides a way out for owners who are experiencing the daily nightmare of overwhelming financial obligations and a pervasive lack of liquidity. Abacus Financial offers owners, investment groups, developers and real estate investment funds what may be the best opportunity for relief and financial salvation – purchasing each distressed property or portfolio for a price greater than the existing loan(s), regardless of current outstanding debt balance or current market value.

Abacus Financial’s execution will relieve the daily calls from irate investors and lenders. The strategy will also preserve the coveted capital gains treatment to be realized from a sale and avoid the ordinary income that could arise from debt forgiveness. At a time when it is more likely than not that capital gains rates will increase in 2011, NOW is the time to take advantage of this unique exit opportunity.

Abacus Financial is ready, willing and able to solve distressed real estate problems regardless of property type and location. Nationally recognized as a solutions driven private real estate investment workout firm, the principals of Abacus firmly subscribe to the ages old maxim: “solve a difficult and challenging problem, and all who participate shall prosper”.

In an industry that has no room for failure, Abacus has developed fast and efficient large scale equity solutions for over 30 years by working with owners and investors to solve their negative equity situations. For more information please visit http://www.abacus-financial.net or call (213) 260-4811 and speak to one of our seasoned acquisitions specialists.

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Debts, Financial, Financial Services, Loans, Money, Personal Finance

Quick Payday Loans Unveils Ground Breaking Impartial Payday Loan Reviews Website

QuickPaydayLoans.org.uk is a website dedicated to providing impartial information to applicants and consumers within the payday loans industry to allow them to make more informed payday loan applications. This service has been launched to address the increasing demand in this sector for impartial information on payday loan lenders. The Glasgow based website has launched its product offering into the market with a view to encouraging payday loans consumers to use the service as a vehicle through which to promote their experiences with particular payday lenders within the UK. The main target audience for the website are the same consumers that payday loan companies try to target – young, technically savvy individuals on the lookout for more consumer-orientated information on the payday loans sector.

The main driving force for the website however is its payday loan reviews section and in the first month of being live, this section of the site has turned into a hive of activity with consumers eager to voice their concerns and opinions on the many payday lenders reviewed on Quick Payday Loans. The launch of QuickPaydayLoans.org.uk has also prompted a number of users to email the Administrator of the website, Chris Thomson, to congratulate him on the effort put in so far.

“Payday Loan Consumers have been crying out for a viable and impartial resource through which they can learn more about the various lenders vying for business within the sector”, says Chris. “Quick Payday Loans has been set-up based on a lot of careful research into the sector and we have strong ambitions to expand the service outwards and encourage wider participation through providing networking opportunities both on- and off-site”.

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Banks, Checking & Savings, Financial, Financial Education, Financial Services, Loans, Money

Tom Holcom Receives ‘Outstanding Civilian Service Medal’ from U.S. Army

Tom Holcom, chief executive officer of Pioneer Services, was presented with the U.S. Army’s “Outstanding Civilian Service Medal” Oct. 5, 2010, during a special celebration of his 25 years with the company. The award was presented to Holcom by retired U.S. Army Lt. Gen. Robert Arter.

Holcom was recognized for his work in helping to found the Command General Staff College Foundation (CGSCF) at Fort Leavenworth, Kan., which supports the U.S. Army Command and General Staff College (CGSC) in the development of tomorrow’s military leaders. He was instrumental in helping the CGSCF obtain tax-exempt status, and was elected the foundation’s first president.

“Tom has displayed extraordinary leadership, enabling the Foundation to develop into one of the most successful supporting foundations in history,” said Lt. Gen. Robert Caslen, the current commander of the Combined Arms Center at Fort Leavenworth, which includes the CGSC. “His dedication and selfless service reflect great credit upon him, the Combined Arms Center, and the United States Army.”

Past recipients include Sgt. Audie Murphy, the most decorated service member in American military history; E.N.J. Carter, creator of the “Be All You Can Be” slogan; and ninth Sergeant Major of the Army Richard A. Kidd.

Pioneer Services, the military banking division of MidCountry Bank, provides financial services and award-winning education to members of the Armed Forces. For more than 20 years, Pioneer Services has been a leader in military lending, offering military loans, retail lending, VA loans, and award-winning financial education programs through a network of offices and on the Internet. Pioneer Services is proud to support military families and communities through a variety of partnerships, programs, and sponsorships.

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Assets, Financial, Financial Information, Financial Management, Financial Services, Home Equity, Insurance, Insurance Services, Money

LV= Reports That Up To 1.2 Million Over-50s May Use Equity In Home To Supplement Pensions

LV= has revealed that ‘Home is Pension’ is a common mantra among the over-50s workforce in Britain as shown in a recent report published by the retirement specialist. Although 54% of the over-50s believe the value of their home has fallen over the last three years, an estimated 1.2 million ‘HIPpies’ (‘Home is Pension’) may use the equity in their home to help supplement their retirement income.

Only 19% of all over-50s still in work feel that they are financially on track to retire as planned, while the number of working over-50s that believe they may have to delay retirement for financial reasons has increased hugely, to 41% from just 28% this time last year. Homeowners over 50 estimate they have lost £60 billion in property value due to recent volatility in the housing market.

However, this has not put many off using the equity in their homes to help fund retirement, with nearly a quarter of working over-50s considering using some, or all of the equity in their home to fund their retirement. The ‘Home is Pension’ mantra is so valuable to over-50s, that 54% would suggest their children include investment in property as part of their retirement planning.

When working over-50s were questioned about the impact an interest rate rise would have, LV=’s research found that 40% would have to reduce their pension contributions just to meet the higher cost of paying debts. More than four in ten (44%) of all working over-50s and 34% of those aged 60-69 in work, have an outstanding mortgage debt on their home.

Vanessa Owen, LV= Head of Equity Release, said: “It seems to be increasingly commonplace for those approaching retirement to consider using the equity in their property as part of their overall retirement plan. Continuing doom and gloom over volatility in the housing market and seeing some properties fall in value, hasn’t deterred the UK’s “HIPpies” and many are still positive that the equity in their home is their best chance of having a more comfortable retirement.”

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Banks, Checking & Savings, Financial, Financial Services, Financial Software, Financial Solutions, Money, Security

Experian QAS Achieves Latest Oracle CRM On Demand Validated Integration

Experian QAS, a leading contact data management software and services provider has achieved Oracle Validated Integration with QAS for Oracle CRM On Demand 1.0 and Oracle CRM On Demand. Customers will benefit from Experian QAS’s data quality tools with the Oracle CRM On Demand solution, providing increased accuracy of customer intelligence, improved communications, and more informed decision-making.

Experian QAS’s existing Platinum partnership, through the Oracle PartnerNetwork programme, provides customers with added confidence that Experian QAS is one of the main and trusted contact data providers to Oracle and its customers. Experian QAS software and services can help improve address data quality, increase productivity, reduce waste and improve return on investment by ensuring accuracy and completeness of data.

Nik Haidar, Product and Marketing Director at Experian QAS commented: “This latest acknowledgment from Oracle is testament to our ability to deliver market-leading data management capabilities. Experian QAS for Oracle CRM On Demand software enables Oracle customers to benefit from accurate and enriched contact data to help increase campaign effectiveness, operational efficiency and business intelligence, and ultimately, generate more value from their Oracle CRM activities.”

Kevin O’Brien, Senior Director, ISV and SaaS Strategy, Oracle, commented: “Oracle Validated Integration applies a rigorous technical review and test process. Achieving Oracle Validated Integration through the Oracle PartnerNetwork gives customers confidence that the integrations between Experian QAS for Oracle CRM On Demand 1.0 and Oracle CRM On Demand have been validated and the products work together as designed. This can help reduce risk, improve system implementation cycles, and provide for smoother upgrades and simpler maintenance.”

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Banks, Career, Financial, Financial Information, Financial Services

SBI Recruitment 2010

State Bank of India is a No.1 nationalized public sector bank in India has requirements for 6100 clerical staff for State Bank of India Associates Bank’s. Candidates are requested to apply on-line through Bank’s website www.sbi.co.in or www.statebankofindia.com. Complete information about SBI recruitment 2010 are as follows:

State Bank of India associates banks
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of Mysore Bangalore
State Bank of Patiala Chandigarh
State Bank of Travancore

Important Dates to Remember to Apply SBI Recruitment
Date of Deposit of Fee: From 01.10.2010 To 30.10.2010
On-line Registration: From 01.10.2010 To 01.11.2010
Date of written examination: 16.01.2011 (Sunday)

-How to Apply for SBI Recruitment 2010:
Candidates are required to go to any Branch of State Bank of India / SBI and pay the amount of prescribed fees and get receipt from the branch. The candidates are required to apply on-line through website www.statebankofindia.com and www.sbi.co.in. No other means/mode of application will be accepted. The last date of registering applications is01.11.2010. Application registration on our website will be open from 01.10.2010 to01.11.2010.

Guidelines for filling application are as under :

  • Candidates should have a valid email id. This will help him/ her in getting call letter/ interview advices etc. by e-mail.
  • Candidates should have the Deposit Journal No. and Depositing Branch code No. (receipt of payment of fees) from branch of SBI before applying online.
  • The payment of fees should be made up to 30.10.2010. This date will be same for the candidates belonging to far-flung areas.
  • Candidates should keep a copy of the Application printout and Payment Receipt with Deposit Journal No. for their record. An ‘Acquaint Yourself’ booklet will be sent to the candidates along with the call letter for written test. Original payment receipt will have to be submitted with the call letter at the time of written examination.
  • Candidates serving in Government/Quasi Government offices, Public Sector undertaking including Nationalised Banks and financial Institutions will be required to submit ‘No Objection Certificate’ from the employer at the time of interview, failing which their candidature may not be considered and travelling expenses, if any, otherwise admissible, will not be paid.
  • The reserved category candidate will have to produce his/her original caste certificate/ relevant certificates at the time of interview, failing which his/her candidature shall be cancelled and he/she will not be admitted for interview. OBC candidates, availing reservation will have to produce OBC certificate with Non-creamy layer clause issued on or before 01.12.2010 at the time of interview.
  • In addition to OBC certificate, the candidates are required to submit a declaration for availing reservation of OBC on prescribed format at the time of interview. Candidates belonging to OBC category but coming in the ‘CREAMY LAYER’ are not entitled to OBC reservation and age relaxation.
  • They should indicate their category as ‘GEN OR GEN (OH/ VH/ HI) as applicable. Information relating to reservations based on caste/PWD/XS once filled at the time of registration will be final. No further changes will be allowed.
  • Candidates are advised to be very careful while filling the category (SC/ST/OBC/ GEN.etc) and other details in the application.
  • NO OTHER MODE OF APPLICATION/ PRINTOUT OR DRAFT ETC. WILL BE ACCEPTED to apply SBI Recruitment 2010. Action against candidates found guilty of conduct.
  • Candidates are warned that they should not furnish any particulars that are false, tampered/ fabricated or should not suppress any material information while filling up the application form of SBI Recruitment 2010

Complete information available at:
http://getsarkari-naukri.blogspot.com/2010/06/sb…

Via EPR Network
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Banks, Bonds, Checking & Savings, Financial, Financial Services, ISAs, Mortgage, Personal Finance

Northern Rock Cuts Everyday Mortgage Rates

Northern Rock has improved its Everyday mortgage range, offering lower rates which will make it more affordable for those looking to buy a new property or remortgage their home. The new Everyday fixed rates start from just 3.09%.

Everyday mortgages offer customers simple, straightforward mortgage deals with competitive rates and the ability to make overpayments of up to 10% each year, as well as the option to apply for payment holidays.

The news comes just weeks after it reduced its application fee for purchase customers to just £99.

Until Saturday 23 October 2010, all successful mortgage applicants on any Northern Rock purchase product who complete by 31st January 2011 will be entered into a prize draw with the chance of winning a home ‘makeover’. This prize will include a personal consultation with an interior designer to help them plan the change, and gift vouchers from retailer John Lewis.

Lloyd Cochrane, Head of Mortgage Products at Northern Rock said: “Buying a new house can be very exciting, but making your new house your home can also be expensive. Northern Rock understands this and so, as well as making rate cuts across our Everyday range of mortgages, we are offering one lucky mortgage customer the chance to win a fantastic new home makeover which we hope will help things along a little.”

Northern Rock continues to offer a choice of Fee Saver options across its Everyday and Flexible product ranges for customers who are looking to keep their costs as low as possible. And there is also a competitive range of Buy-to-Let mortgages available.

Northern Rock continues to operate its mortgage product range within the constraints of the competitive measures agreed with the European Commission. Full details of the entire mortgage product range offered by Northern Rock are included for information.

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