Orchard Bank MasterCard

The Orchard Bank credit card is issued by HSBC Bank. This is a sub prime credit card.

They have a unique application process. They will match your credit score with the four cards they offer.

These cards include three unsecured cards and one secured card. Your score depends upon what card is offered to you. However you have a very high likely hood of being approved for a new line of credit.

If you have a very damaged credit history then you will be approved for the secured card. With this card you make a deposit and you are issued a credit card with a corresponding credit limit.

This card will work just like an unsecured card, meaning you will have monthly payments. Your APR will be between 8.9% and 14.9%. This is lower than most bad credit cards that carry an APR of roughly 19%.

If you have limited damage to your credit score then you will be approved for an unsecured card. If you want to have the secured card instead you can still be issued that card.

The unsecured cards will have some fees like a 19$ account set up fee with one of the cards. These cards also carry an APR between 8.9% and 18.9%.

However the fees with the Orchard Bank cards are dramatically less than any other available bad credit cards. In addition they offer considerably lower APR’s too.

All of these cards will report to the three major credit bureaus. With responsible use of your card you can build a positive payment history on your credit report.

This is very important to your credit score. It is estimated 30% of your credit score comes from your payment history.

In addition these cards will improve your ratio of available credit to debt. This factor weighs roughly 30% of your credit score. It is how the bureaus judge if you can financially handle another credit line.

For your information it is rumored that once a negative mark on your credit report ages four years it has much less weight on your credit score. However if you remove negative items from your report and create a positive payment history your credit score will jump substantially.

In sum we do suggest the Orchard Bank cards to those with a low credit score. This card can be a very valuable tool to rebuild your credit.

For more about the or for a review of the another visit us.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Nabard, Hdfc, City Union Bank

National bank for agriculture and rural development is set up as an apex development bank with an authorization which provides credit flow for the development and promotion of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts. This bank provides finance to the farmers so they can cultivate good crop and can expand and develop the agriculture. Nabard was established on 12 July 1982. This bank is the apex development bank in India having headquartered based in Mumbai, Maharashtra and this bank offers training and research facilities for banks, cooperatives and organizations working in the field of rural development. Similar to other bank this bank also invites application from the Indian national to fill the vacant post in different branches of the bank. The Selection process for all the post will comprise a written test and the candidates who are successful in the written test examination will be called for a personal interview. The official website of this bank provides the detailed information regarding the recruitment and the selection process.
HDFC bank
HDFC i.e. Housing development Finance Corporation is the major Indian commercial bank that was incorporated in August 1994. This bank was promoted by the housing development finance corporation, a premier housing finance company (set up in 1977) of India. Apart from the banking and financial services this bank also provide recruitment for all the eligible candidates who dream of having jobs in banking sector. Basically the selection process is based on GDs and personal interviews. The applicant can apply through online application during the opening of vacancy. If you are the fresher and want to explore the career in banking sector then the HDFC bank recruitment 2012 is the best option to start your career.
City Union bank
City union bank is the Indian regional bank started on 31 October 1904 in the Thanjavur District Tamil Nadu. This bank was popularly known as ‘The Kumbakonam Bank Limited’. The first Branch of the Bank was opened at Mannargudi on 24th January 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years. This bank also invites application from eligible candidates to fill the vacant post. The selection process is based on written test and interview. The written test comprises of four sections test of reasoning, English, Quantitative aptitude test and Test of General & Financial Awareness. The selection process and eligibility criteria keep on changing every year. So the candidates must read daily updates in newspaper and also in official website of the bank.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

What was the first bank

What was the first bank?

A grocer deals in food, a hardware store in household items, and a banker in money. The main business of banks is to lend money and to handle money which has been deposited with them. Of course, banks today provide many more services than just these, but it all has to do with the handling of money.

Ever since man had a kind of money, it has been necessary for someone to hold it for him safely, or to lend him some when he needed it. For example, in ancient Babylon, even before coins had been invented, there were men who made a business of borrowing, lending, and holding money for other people. They might be called bankers, though they were considered moneylenders. Some of that business was in the hands of the priests in the temples, and there were laws that regulated this business. In ancient Greece, there were moneylenders, too. In Roman times, there were already large banks in existence and they carried on business with firms in widely separated parts of the Roman Empire. There were Roman laws that regulated some of the banking methods. So we might say that the first bank came into existence with the first moneylender, and that banks as such go back at least to ancient Roman times.

In medieval times the business of lending money was no longer thought of as lawful. In many places, laws were passed forbidding it. Those who did continue to lend money often had their places of business on benches in the market place. The Italian word for bench is banco, and this is where we get the word “bank.”

In England, the business of holding and lending money was chiefly in the hands of goldsmiths. These trusted craftsmen received people’s money and valuables for safekeeping and in return gave goldsmiths’ receipts. These receipts passed from hand to hand, much as bank notes did later, for people were willing to take them in payment for goods and for debts.

In 1694 a group of businessmen agreed to lend a large sum of money to the English Government in return for permission to establish the Bank of England, which today is one of the greatest financial institutions in the world.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

How Much Money Can You Make Selling Ebooks

One of the most common questions we get at Ebook Architect is how much money will I make selling ebooks? Well, like most businesses the answer will depend on many different factors. For example the amount of time you put into the promotion of your ebook will have a direct consequence on sales and market interest in your ebook topic is another important factor. People who are good at picking good ebook topics and promoting their ebooks usually stand to make a lot of money with ebooks.

How Much Money You Ask?

Some Ebook entrepreneurs lose money in the course of a year while some make hundreds of thousands of dollars. More realistically however is somewhere in between these two points. Many ebook authors make between $5,000 and $20,000 a year.

How to Maximize Ebook Sales

The best way to ensure optimum sales is to constantly promote your ebook. This may mean staying in on weekends and staying up late during the week. Some of the best ways to promote your ebook include buying advertising from large advertising portals such as Google and Yahoo, partaking in link exchanges, writing articles for websites and Ezines, building an information dense website and writing great ebook sales pages. Accomplishing all of this is no minor feat. You should expect to be in product development for between 1-6 months and then the promotional aspect may take another 4-12 months. Its not necessarily an easy job but as stated above the payoff could be substantial.

Worst Case Scenario

Even if you decide half way through the process that ebook entrepreneurship is not your cup of tea, you will still have written an ebook and be selling it online. That makes you an author; congratulations. Not only will you be an author but your ebook may give you some extra pocket change on a monthly basis. If nothing else, it will be a good learning experience. You have nothing to lose, so why not give it a shot?

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Tips On How To Open A Bpi Bank Account

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Recruitment CDS, Bank, SSC

Bank recruitment, CDS (Combined defence service) and SSC (staff selection commission) are various mediums to gain entry into different posts in the government. They conduct exams and interviews in order to ensure unbiased entry into the respective fields. In 2011, many students have enrolled themselves for various posts in different sectors. Bank recruitment deals with the recruitment of suitable candidates for various posts in the bank. CDS (combined defence service), recruits courageous individuals to be a part of the National defence academy. SSC is a commission established by the government in order to recruit individuals for the non-technical and technical posts in various government departments.

Combined Defence Service: It recruits courageous candidates who are ready to fight for their country. CDS exams are conducted by UPSC (union public service commission). In 2011, CDS exams have been conducted in May. Another set of exams will be conducted in October. The CDS exams are conducted for air, army and navy force. The Service Selection Board calls the selected candidates for the interview session where they are further filtered down. Depending on the merit- ranks, the candidates are sent to various institutes across the country. There are various institutes where the candidates are trained, like Naval Academy, Indian Military Academy, Air force Academy etc.

Bank exams: Bank recruitment is done, based on the bank exams conducted by the respective banks. A major portion of the question paper in the exam is dedicated to current affairs. The selected candidates are called for an interview session. Good mathematical skills and computer literacy are major pre-requisites for any post in the bank. For jobs like bank po and bank clerk, a maximum age of 30 years is required.

Staff Selection Commission: It is a commission set up by the government to recruit candidates for technical and non-technical posts in the government. There are many offices of SSC across India, which supervise the work of SSC and conduct regional and sub regional exams. Forms of 2011, for various technical posts have already been released. The headquarters of SSC are in Delhi, where all the administrative work takes place.

In 2011, many forms for different posts in the government have been published. CDS exams have already taken place in May and Bank and SSC exam will be conducted in later part of the year. The recruitment in all these mediums is done based on the total result of the exam and the interview. So be in the list of it is important to be updated with current affair 2011 .

If you want to get tips for , tips for and for on jagranjosh.com .

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

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.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Non Status Bank Accounts – An Answer For All Your Business Queries

For the smooth running of the business, bank account is compulsory. But business people with bad credit history find it tough to open one. In such circumstances non status bank accounts proves to be quite beneficial. This account is particularly designed in helping new entrepreneurs to turn into good reputable professional business entrepreneurs. These accounts are perfect for those people who cannot show their revenue and facing dreadful credit ratings. It gives an extra opportunity to the bad creditors to show them a good account holder. One can get this account with no restriction in any reputed bank as a number of high street banks offer this banking service with several services.

Every UK consumer can get this account to structure a new company or to run finances of any accessible business. Non -status bank accounts are accessible without the trauma of prolonged paper work and business strategy. Any individual can take this banking service just by providing your identity and address proof. The documents which you offer with the submission form enable you to create your new bank account to hold your business money.

Whether you are a sole trader, have a partnership firm or a limited company these offer you a number of benefits that helps in construction of your business. Some of the services obtainable by banks are its no credit check scheme which helps everybody to qualify for this account the ideal for people suffering from a poor payment status, Infinite deposits and withdrawals facility, Cheque book and debit card is also accessible. Free and usual updates, Internet and telephonic banking are also provided for more ease.

With these accounts, banks give the individual money manager that look after your account and confirmation of all your transactions. This manager helps you to craft right fiscal result and to get back your fiscal life on track.

Online you will find a variety of such banks and service providers that assists you in opening this account with several non status banking. That is why it is sensible that you much check out all the circumstances and facilities before making any decision.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Getting value for money in hiring a minibus

Renting budget cars online is the best way to save next time your rent a car or minibus, whether it’s for business or pleasure. There is plenty of competition in this business, so you may have trouble finding a good place to rent from. There are many websites that offer budget car rental to online customers.

If you look at some companies you will find they have chosen reputable advertisers for their sites, as when you are looking to rent a budget car online, you should make sure the company you’re dealing with is reputable. They have measured cost, reliability, customer service, and selection of vehicles.

Price is the basic thing to consider when looking to rent a car. You should try to get something within your budget. If you rent online, you’ll save quite a bit on the rental cost, so it’s by far the best option. The issue of reliability is important. A reputable car rental firm should fulfill its obligations on the contract to the letter. Make sure you get the right kind of vehicle for your trip. Don’t get a car when you really need a .

Online car rental will get you great competitive prices. Make sure you understand what all the costs total up to before you commit to anything. There are several different rates for : daily rates with some free distance, daily rates with the distance billed separately, daily rates and no limit on distance, or an extended period of free distance. These companies will charge variable amounts for different types of cars. Remember to book or put in your request well in advance, to get the best deals. Most of the will have deals on rentals, especially over the weekend.

You always have to remember local taxes depending on where you are visiting. On international car rentals, 10% to 30 % is typically added on top of the standard charge. When you drop your car off in another city, many car rental firms will ask a fee for the drop-off. Ask whether or not the drop-off rate is included in their regular rate. There are different policies on fuel among rental companies. Most will ask for money up front and you’ll be able to return the car with an empty tank. The cost of insurance is important thing to consider. You’re able to buy temporary insurance at the car rental company. Go for the extended cover so you will have piece of mind if the worst happens.

online helps you save lots of money on your rental expenses. But remember to make sure that you’re not overlooking some hidden costs. You’ll end up paying more if you aren’t careful.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

How To Make Money With Videos And Maverick Money Makers

You can easily make funny video websites, and then profit from them nicely. This is a new trend in internet marketing and produces great profits with Maverick Money Makers.

Key to the development of a video is a catchy domain name and video title. A catchy, unique and memorable name is key to not only getting traffic but maintaining traffic.

2. Getting the videos.

You can easily lift videos from popular video sites or do linking and back linking with other video sites as well. Many sites are created to share videos as well. So getting the videos to supply for your funny video website is relative easy.

3. Making the Money with Maverick Money Maker

Making money off your site is going to consist of different forms income streams. From click on ad’s, banner advertising, and actual products which you can sell on your site and receive heavy commissions from.

Start Pay per click accounts at Google and Yahoo. I suggest you then find ind internet products which will coincide with the type of videos you’ll be showing to promote Maverick Money Makers. Once your site develops traffic, you can start to hit up larger business’s for banner ad’s which can pay you very well to advertise on your site. The combination of different income streams will bring in a steady income flow as long as your traffic is ramped up.

4. Putting your site together.

There are specific programs you can get for building sites. They will take the headache of “coding” and allow you to set up your site quickly and effortlessly. A good ” how to make a video website” book or manual will show you exactly what needs to be done to produce a profitable site to market Maverick Money Makers or any other product that you may be interested in.

Maverick Money Makers is a private
society that will teach you how to
build a six-figure a month business on the internet.
If you want to make money online,
join the society before it’s too late.

CATEGORIES : Money and Bank/ AUTHOR : sengong/ 0 Comment

Best Sites

Recent Posts

Best Links