The Economic Times: Business News, Personal Finance, Financial News, India Stock Market

#economic answers


“Tata Power is a cash guzzler but generates very little profit. Yet, when it’s embarking on its biggest buyout, a principal shareholder is kept in the dark.”

Samajwadi Party Crisis

The war in the family has reached a point of no return despite protestations of loyalty to Mulayam. The chasm between uncle nephew runs so deep that the party is irretrievably broken.

Fast-Track your career

Many companies like Snapdeal SLK Global Solutions are gifting exciting experiences to their employees, be it a romantic yacht ride with one s partner, recording one s own song in a studio, or flying a microlight.

Money Investments

Looking at the standalone performance of a scheme will not help you answer that query. Well, it is a common dilemma faced by many mutual fund investors.

Ae Dil Hai Mushkil Row

I am opposed to it and that you don t need to accept it. I told them in front of Raj that the contribution has to be voluntary that you need not pay this amount. However, the producers themselves were keen on it.

Cyrus Mistry Ouster: The Way Ahead

The argument that only a couple of Tata companies were keeping the entire group afloat is neither here nor there. It has always been the case.

Slideshows You Can’t Miss

The smartphone market is flooded with Chinese-made budget handsets. A stylish metal frame, decent cameras and a price tag of Rs 29,999. Here’s our detailed review of the handset.

Market Watch

In an exclusive interview with ETNow on the Diwali eve, VC Joint MD of First Global said Indian technology firms have just entered a phase of slower growth.

Pursuit of Profit

The former James Bond star has pocketed $2 million for two years to endorse Pan Bahar. He said that his contract was to advertise a “breath freshener/tooth whitener” which wouldn t include an ingredient that “turns saliva red”.

Diwali Special

Apple Watch Nike+ will be available in 38 mm at Rs 32,900 and 42mm at Rs 34,900 from, select Nike retail stores, select Apple Authorised Resellers and select specialty stores.

Mistry Musings: Who said what

“I hope they bring somebody from outside but I hope they bring somebody from outside who understand the culture and the values and yet not a total stranger.”

US Presidential Race 2016

Clinton is favoured by 49 per cent of likely voters as against Trump’s 44 per cent, as per the results of the latest poll released by CNN/ORC.

The national airports operator, which manages 125 airports, including 18 international ones, had achieved a record turnover of Rs 10,825 cro.

Gangadharan, who has been independent director in the bank since January 2014, is expected to assume his new responsibility in the first wee.

Ramesh Srinivasan, CEO of the Silicon Valley-based Ooyala Inc and Haragopal Mangipudi, CEO and managing director of finUNO, also based in th.

According to EY’s latest Transaction Quarterly report, deal volumes in September quarter fell 15 per cent on year- on-year basis, while the.

Established in 1936, Ganesh Grains Limited is one of the oldest and the largest staple brand in eastern India with a strong presence in West.

The plant s viability was impacted due to a surge in gas prices, which forced the company to suspend operations in 2014.

He is accused in the case along with his wife Kavery Kalanithi, brother Dayanidhi Maran, Managing Director of South Asia FM Ltd (SAFL) K Shanmugam, SAFL and SDTPL.

The Mayor held a review meeting of the Bengaluru East municipal zone on Tuesday, taking to task zonal commissioner KC Yatish Kumar and others for not working together.

“The Centre will be giving the Cabinet approval as a guarantee soon. The TDP will always push for the best interests of the State, and Telugu people.”

Theresa May

Visit to India shows importance of bilateral relations

  • P Chidambaram

    Can’t build prosperous society unless India is tolerant

  • Ram Gopal Yadav

    My goal is to ensure Akhilesh becomes CM again

  • Mayawati

    Narendra Modi’s Mahoba rally a ‘complete flop’

  • RPN Singh

    Jaitley, in his 2016-17 budget speech, said a comprehensive code on resolution of insolvency cases in financial firms will be introduced as a bill in Parliament this fiscal.

    The Government of India has 24.5 per cent stake in GSTN and the state government an equal share. The remaining 51 per cent is with private financial institutions.

  • Can you trust peer to peer lending? #personal #finance,finance


    Can you trust ‘peer to peer’ lending?

    Last week saw the return of Bank of Dave on Channel 4. The television show, which proved to be a surprise hit last summer, chronicles one man s attempt to take on the might of the banking establishment by opening a viable alternative in his home town.

    Despite widespread support, which saw local residents queuing to hand over their money so he could lend it out to Burnley-based businesses, the second series focuses on the problems Dave Fishwick encountered trying to get this project off the ground.

    Not surprisingly, his antics have struck a chord with many, fed up with the poor service, miserly savings rates and draconian lending rules deployed by the main high street banks.

    But while most wouldn t want to go as far as the people s banker and set up their own bank, there are already established ways that consumers can bypass the banks when saving and borrowing.

    So-called peer-to-peer lenders, which link those with cash to spare with those wanting to borrow money, have now been in operation in Britain for almost 10 years. This year the lenders operating in this market are expected to arrange some £500m of lending business.

    Related Articles

    The names of the biggest peer-to-peer lenders Zopa, Ratesetter and Funding Circle are hardly household names, and certainly far less familiar than the likes of Barclays, HSBC or NatWest. But recently the Bank of England has suggested that these new kids on the block could become a major force in the financial market over the next decade.

    Some offer loans to individuals, some use the money raised to lend to small businesses. Although each works in a slightly different way (see below), the basic premise is the same. The lender acts as an introducer, and takes a fee for this service. But in most cases the fee is significantly less than the margin charged by banks, as peer-to-peer lenders do not have to guarantee savers deposits nor take on the risk that borrowers be they home owners, credit card customers or small businesses will not pay back their loans.

    If they do default, it is the savers who will lose, not the peer-to-peer lender sat in the middle.

    This gives them their greatest advantage over the banks, as well as their biggest pitfall.

    Lower operating costs mean that the peer-to-peer lenders can offer cheaper loans and pay higher interest rates to savers, which has proved particularly attractive in the current climate.

    But savers should not forget the maxim that higher returns mean higher risks. At a time when the economy remains tough and unemployment remains high, there is a danger that the number of defaults could rise, putting savers money at risk.

    None of these schemes is covered by the Financial Services Compensation Scheme so savers have no recourse for compensation if they lose their money.

    However, the various peer-to-peer lenders use a number of ways to reduce the risk of an individual saver losing all their money. They will also argue that stringent credit checks on borrowers mean that to date their default rates are lower than most high street banks.

    Alternatively, if this all sounds too risky, there are always traditional credit unions to consider. These are often run by work-based unions, or are based in a particular town, and again aim to provide small loans to those in need, funded through a savings book.

    Although savers will have more protection than through a peer-to-peer lender, typically the rates offered to savers are far less competitive, and not any better than most would be able to get from a best buy savings account.

    However, they will often advance credit to those who are unable to get a personal loan from a high street bank, and their terms will be far more favourable than unauthorised overdrafts or payday loans, which can often be the next resort of those struggling financially.

    Below we look in more detail at the main peer-to-peer lenders and highlight what rates they pay, what the current default rates are and what steps they take to help protect savers money.

    Launched March 2005

    Amount lent to date: More than £278m

    Default rate 0.5pc

    Average savings rate 5.4pc (after charges and defaults)

    Average loan rate 6.7pc (on £5,000 loan)

    Fee paid by savers 1pc of the amount lent

    Fee paid by borrowers Up to £190 per loan, included in advertised APR

    Zopa was the first peer-to-peer lender to launch in Britain and remains the largest. One of the keys to its success has been the low default rate, achieved through strict screening of potential borrowers: it said more than 75pc of borrowers who apply for credit are turned away. Those that are successful typically get loans that are 20pc cheaper than those offered by the high street banks.

    If you want to borrow money, not only will your credit file be checked, but also affordability factors. A spokesman said: Many people may have a good credit score because they haven t defaulted on loans in the past. But if they are taking on debt which they could struggle to repay in future, we will turn them away because they pose too big a risk.

    Savers who are putting up this cash should also know that their money is split across a minimum of 50 borrowers, so they don t have more than £10 with any one borrower. They can also choose which type of borrower they want to lend to, and how long the loan is for. This will affect the return they receive.

    In each category, a range of rates is displayed and the saver then sets the return they want to earn on their money. If they go lower than the suggested range, their money will be snapped up instantly; if they go higher, they may struggle to attract borrowers. They can, of course, diversify further by spreading their money between different lending groups.

    When will rates rise? Watch out for the updates in our weekly newsletter: Sign up for free

    Launched October 2010

    Amount lent to date: £58m

    Default rate 0.35pc

    Average savings rate 5pc (after all fees)

    Average loan rate 7.6pc (on £5,000 loan)

    Fee paid by savers 10pc of interest received (all interest rates shown after fees)

    Fee paid by borrowers From £80, depend on term and size of loan

    With Ratesetter those putting up money don t have to choose who they want to lend money to. Rhydian Lewis, the founder of the site, said: We ve found many customers find it difficult to judge the relative merits of lending to an A* borrower at 5pc or an A borrower at 6pc. Instead savers are given one interest rate set by the market on the site on any given day. The only variable is how long your money is tied up for (the longer the period, the higher the rate). Ratesetter also offers short-term products, paying 2.5pc if customers lock funds away for just a month and a rate of 3.2pc on a one year bond.

    The key difference is the provision fund to cover bad debts. This is paid for by the borrowers, via an additional rate charge, with higher-risk borrowers making a higher contribution to this fund. This fund isn t guaranteed to cover all defaults in full. But as it stands now at £838,000 bad debts would need to increase 11-fold before savers are affected. To date all saver have received back every penny lent, with interest paid in full.

    Mr Lewis said: Our users enjoy the additional security of our provision fund. While we are making clear that this is not an absolute guarantee, it should provide additional peace of mind.

    Our stringent credit checks mean that only about 10pc of loan applications get through at present. This ensure the default rates remain within the scope of the provision fund.

    Launched August 2010

    Amount lent to date £81m

    Default rate 1.5pc

    Average savings rate 5.7pc (after charges and defaults)

    Average loan rate 8.8pc (on £5,000 loan)

    Fee paid by savers 1pc annual fee

    Fee paid by borrowers 2pc to 5pc depending on loan type

    The twist here is that money is lent to small businesses, rather than individuals. James Meekings, the co founder, said they were aiming at low-risk businesses struggling to get finance from the banks at affordable rates.

    All firms are screened and the company will not accept either start-ups or sole traders.

    While firms are required to have a minimum of two years audited accounts, Mr Meekings said many will have far longer trading records, on average 15 years, and a significant proportion is lent to companies in manufacturing.

    However, he stresses that lending money to businesses is not without risk and this is reflected in the returns paid. The maximum interest that can be earned is 15pc, though the average is nearer half this.

    In many ways these are not comparable with the returns paid on savings accounts, where there is very little risk involved, he said.

    Mr Meekings said a fairer comparison was the returns made from corporate bonds. Savers can access their money at any point, by selling their loans on to other lenders, but there is a 0.25pc charge for doing this.

    Best-Paying MBA Majors #mba, #mba #salary, #salary, #high #salary, #master’s #degree, #business


    Best-paying MBA majors

    If you want your MBA to pay off, choose your area of concentration carefully.

    What is an MBA? An MBA is a Master of Business Administration, a graduate-level degree given to a student who graduates from a business school program.

    Getting a higher degree is not always a win, so you really have to be aware of [the difference between] what is common in your field and what is desired in your field, says Katie Bardaro, lead analyst at .

    In some fields, such as finance, an MBA is practically a requirement, even for entry-level jobs. In areas like technology, however, experience in the field may be more important.

    Certifications can be almost as valuable, depending on the field. For example, the Chartered Financial Analyst certification earned by passing a difficult three-part exam can in some ways set you apart more than an MBA, Bardaro says.

    Here s a look at seven common high-paying MBA specializations ranked by graduates typical mid-career earnings. For comparison, the average mid-career pay for all MBAs, regardless of specialty, is $104,000.

    Median Mid-Career Pay: $121,000

    Finance is known as an MBA-heavy field, even at the junior level. Financial analysts and portfolio managers often either have an MBA or are working on one.

    It s very common, Bardaro says. If you want to stay in the field and everyone else in that field has an MBA, obviously, you don t want to fall behind.

    Common jobs and salaries for MBAs with a finance concentration include:

    International Business
    Median Mid-Career Pay: $116,000

    With the relentless pace of globalization, organizations need professionals who know how to conduct business around the globe. That need has increased the demand even at US-based companies for graduates with degrees in international business. Salaries vary by industry, but tend to be on the high end of the range.

    Popular jobs and pay for MBAs who concentrate in international business include:

    Find international business jobs.

    Unlike finance, marketing is not an area that requires an MBA for low-level jobs. Still, it has become more common for workers to get MBAs in this field, in part due to the economy.

    A lot of people went off to get graduate degrees because they couldn t find jobs, says Bardaro. This is also true, she says, in HR and accounting.

    Common jobs and salaries for MBAs who specialize in marketing include:

    An MBA in information systems can be a path to achieving an executive-level career in IT provided that you have a passion for computers and on-the-job experience proving that you can solve problems in a real-world environment.

    Common jobs and salaries for MBAs who focus on information systems include:

    Find information systems jobs.

    Some may be surprised that the technology management MBA isn t higher on the list in terms of salary. This is partly because management jobs in the technology sector don t necessarily require an MBA.

    Usually people who move into technology management positions started off as developers, software engineers [or] software architects, and move into [management] roles because they have a better understanding of the technology, Bardaro says.

    Typical jobs and pay for MBAs with a technology management concentration include:

    Find technology management jobs.

    There are pros and cons to doing a general MBA concentration like business management. On the plus side, you won t be pigeonholed into a specific job. People with MBAs in business management often go into consulting, which can be lucrative. On the downside, a general-degree holder might lose out to a candidate with a specific concentration. A company searching for a marketing director, for example, may prefer someone with an MBA in marketing.

    Common jobs and pay for MBAs who specialize in business management include:

    Find business management jobs.

    The MBA in accounting a popular advanced degree among professional number crunchers can lead to jobs from staff accountant to CFO.

    Common jobs and salary levels for MBA graduates who concentrate in accounting include:

    Source: All salary data and pay comparisons provided by online salary Median mid-career pay is defined as the national median (50th percentile) annual total cash compensation at 10 or more years of experience for MBA graduates. Total cash compensation includes base annual salary or hourly wage, bonuses, profit sharing, tips, commissions and other forms of cash earnings, as applicable. It does not include equity (stock) compensation, cash value of retirement benefits or value of other noncash benefits (e.g. health insurance).

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    Visiting International Professional Program, international finance programs.#International #finance #programs


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    Economic Value Added (EVA) #eva #model #finance


    Economic Value Added – EVA

    BREAKING DOWN ‘Economic Value Added – EVA’

    EVA is the incremental difference in the rate of return over a company’s cost of capital. Essentially, it is used to measure the value a company generates from funds invested into it. If a company’s EVA is negative, it means the company is not generating value from the funds invested into the business. Conversely, a positive EVA shows a company is producing value from the funds invested in it.

    Calculating EVA

    The equation above shows there are three key components to a company’s EVA: NOPAT, the amount of capital invested and the WACC. NOPAT can be calculated manually but is normally listed in a public company ‘s financials. Capital invested is the amount of money used to fund a specific project. WACC is the average rate of return a company expects to pay its investors; the weights are derived as a fraction of each financial source in a company’s capital structure. WACC can also be calculated but is normally provided as public record.

    The goal of EVA is to quantify the charge, or cost, for investing capital into a certain project, and then assess whether it is generating enough cash to be considered a good investment. The charge represents the minimum return that investors require to make their investment worthwhile. A positive EVA shows a project is generating returns in excess of the required minimum return.

    The Benefits of EVA

    The purpose of EVA is to assess company and management performance. EVA champions the idea a business is only profitable when it creates wealth and returns for shareholders. and requires performance above a company’s cost of capital.

    EVA as a performance indicator is very useful. The calculation shows how and where a company created wealth, through the inclusion of balance sheet items. This forces managers to be aware of assets and expenses when making managerial decisions. However, the EVA calculation relies heavily on the amount of invested capital. and is best used for asset-rich companies that are stable or mature. Companies with intangible assets. such as technology businesses, may not be good candidates for an EVA evaluation.

    Finance vs #careers #with #finance #degree


    Finance vs. Accounting: Which Degree is Right for You?

    You ve got a way with numbers there s no getting around it.

    So what s stopping you from pursuing a career that utilizes your strengths? Finance and accounting are two business sectors that require savvy computation and a high comfort-level with numbers, plus a lot of ambition none of which you re short on!

    Maybe you ve already worked in these fields, or maybe you re just beginning to narrow down your search. When it comes to finance versus accounting, both offer exciting earning potential and career growth opportunities. So which path should you take?

    We dissected the two fields into a side-by-side comparison to help you answer the big question: finance or accounting? Keep reading to see which degree you should pursue.

    Finance vs. Accounting: job opportunities

    One of the most puzzling parts about deciding between a finance degree versus an accounting degree is the similarity in potential job titles. We used real-time job analysis software from to examine more than 385,000 accounting and finance job openings over the past year.* This data helped us identify the five most common job titles for candidates in each field of study.

    Finance majors top job titles

    You may note that financial analysts are found in both categories. And while this may be a source of confusion for choosing one degree over the other, the truth is that finance and accounting jobs often require similar skills. Just think of this duplication as doubling your options.

    Finance vs. Accounting: career growth salaries

    Everyone has their own reasons for wanting to advance their career. Maybe you re hoping to earn a larger salary to support your family. Or maybe you re just looking for a career that will provide you with some job security for your future.

    Both are great motivators for earning a degree. And lucky for you, both accounting and finance careers are promising in both areas. Accounting jobs are projected to increase by 13 percent through 2022, according to the Bureau of Labor Statistics (BLS). On the other hand, the BLS expects financial analyst positions to increase 16 percent in the same time period.

    The median annual salary for accountants in 2012 was $63,550. according to the BLS. Financial analysts can expect to earn about $76,950 annually .** As you can see, professionals in both industries enjoy higher than the average American salary, which the BLS last reported as $47,230 .

    Finance vs. Accounting: skills needed to succeed

    Our previously-mentioned analysis revealed the most in-demand skills employers are seeking in each field. Take a look at the skillsets side-by-side to get a better idea of the scope of work in each career.

    Don t let these lists intimidate you. It s highly likely you don t possess all of the skills listed above, but that s ok! The curriculum in an accounting or finance degree program was designed to help you acquire these types of skills. But your degree is only the start; both finance and accounting professionals will be expected to continue learning and developing new skills throughout their careers.

    Finance vs. Accounting: education requirements

    Our analysis made it quite clear that earning a degree is an important step to working in finance and accounting alike. In fact, 99 percent of finance job postings and 97 percent of accounting job postings preferred candidates have at least a bachelor s degree.

    In case you had any doubts or were second-guessing your decision to go to college, earning a bachelor s degree is what you need to do to put yourself in the best position to succeed. So while choosing between a degree in accounting or finance may seem difficult, the most important choice is just deciding to go back to school in the first place.

    The bottom line

    You ve got options when it comes to business careers. Calculating the pros and cons of finance versus accounting can help you narrow down your decision.

    * (analysis of 385,561 finance accounting jobs, Aug. 1, 2014 Jul. 31, 2015.)

    **Salary data represents national, averaged earnings for the occupations listed and includes workers at all levels of education and experience. This data does not represent starting salaries and employment conditions in your area may vary.

    AUTHOR’S NOTE: This article was originally published on September 26, 2012. It has since been updated to reflect information relevant to 2015.

    External links provided on are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

    Kristina is a Content Marketing Specialist at Collegis Education who researches and writes content on behalf of Rasmussen College. She hopes her content helps enlighten and engage students through all stages of their education journeys.

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    SQL Server Consulting Canada #sql #server, #consulting, #performance #tuning, #optimization, #consultant,sql #server


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    Gold Loan Rate of Interest #gold #loan #per #gram, #gold #loan #interest


    1. Interest is charged on Monthly compounding basis for Express Gold loan Special 16. For others it will be on ab initio basis from the beginning.
    2. In all cases interest slab will shift back to original rate at which the loan was availed if interest is paid up to date along with additional charges if any from the date of clearance of default
    3. Service Taxes as applicable will be collected extra along with processing fee.

    SME Loan- (Hypothecation of Stock )
    Minimum. Rs 5,000
    Maximum. Rs 50,000

    Repayment through daily installment (EDI) collected in 104 business days.

    Customer will be charged a default rate of 3%per month on the defaulted EDI amount for delayed number of days, if the EDI is not paid every day.

    Processing charges. Rs.300+Serv Tax.
    Collection cum Service Charge: 1% of loan amount
    or Rs.150 whichever is higher.

    Suvidha Loan- ( Short term business loan)
    Minimum. Rs 5,000
    Maximum: Rs 15,000

    Repayment through daily installment (EDI) collected in 104 business days.

    Customer will be charged a default rate of 3%per month on the defaulted EDI amount for delayed number of days, if the EDI is not paid every day.

    Processing charges :Rs.150/- Serv. Tax
    Collection cum Service Charge: 1% of loan amount or Rs.150 whichever is lower.

    Processing charges :Rs.150/- Serv. Tax
    Collection cum Service Charge: 1% of loan amount or Rs.150 whichever is lower.

    * All interest rates mentioned are p.a only

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    What is Gold Loan?

    Loan granted against security of gold ornaments is commonly called as Gold Loan.

    Who is eligible to avail a Gold Loan?

    Any individual above the age of 18, can avail a Gold loan by submitting the required gold ornaments for pledging and by providing necessary KYC documents.

    Do I need a guarantor?

    No guarantor required. The only security required to avail a gold loan is the gold ornaments to be pledged

    What is the minimum/maximum tenor of the gold loan?

    The minimum tenor for our gold loan is 1 day and maximum tenor for our gold loan is varies from scheme to scheme each loan has a different tenor (please refer to table below).

    What type of gold can I pledge to avail the gold loan?

    You can pledge any type of gold jewelry / gold ornaments with us. This includes items such as necklaces, rings, bracelets etc. We cannot take gold coins / bars for pledging purpose.

    How can I repay my loan? What different options are available for the repayment?

    Our gold loans can be repaid in a flexible manner. You can repay the loan at any of our branches by cash or cheque. Or through RTGS facility. We have recently launched E Pay facility which is an online payment facility where the customer can pay by Debit card or net banking.

    Can partial payment be made for the gold loan?

    Yes you can do partial payments or bullet payments as per your convenience till completion of loan tenor.

    How and when can I get back the pledged gold jewellery /ornaments?

    You can collect the pledged gold after making complete repayment of the loan from the branch where it has been pledged. Failure to repay the loan will result in Muthoot Fincorp Ltd. forced to settle the dues through Auction process after sending due and timely intimations to customers and through public notifications in newspaper

    What is the minimum limit on your gold loan?

    The minimum amount of our gold loan is Rs 1000/- or loan equivalent to 2 grams of gold pledged as per latest LTV. Daily LTV is uploaded in our site.

    Is there any maximum amount restriction?

    No, there is no restriction on maximum gold loan subject to necessary approvals.

    Why should I take Gold loan from Muthoot Fincorp Ltd. when there are other loan options available?

    Gold is one of the most liquid precious metals and a customer can avail Gold loan when there is a need. Gold loan is now being preferred by many of our customers due to variety of reasons, primarily:

    • Quick loan approvals and disbursals, with minimal documentation and formalities
    • It is one of most convenient loan to be availed in case of emergency
    • Easily available asset with most of households in India.
    • Multitude of loan options available with higher LTV
    • Greater accessibility due to better penetration.
    • Convenient Hours of operation
    • Flexibility – provision of very small and large loan amounts

    What are the benefits of taking a Gold Loan from Muthoot Fincorp Ltd.?

    • Quick Loan disbursal
    • Pre-payment /Part payment options available -without any penalty
    • Minimal documentation
    • Instant Gold evaluation
    • Strong rooms for providing safe custody for gold ornaments

    Is my Gold jewelry /ornaments safe with Muthoot Fincorp Ltd.?

    Yes it is. We understand the sentiment attached to your ornaments and therefore we are storing your gold ornaments in safes under dual locking facility inside strong rooms .We also have installed CCTV cameras to enable round the clock surveillance in our branches.

    How can I apply for a Gold Loan with Muthoot Fincorp Ltd.?

    You can avail Gold Loan by just walking into any of our branches with Gold ornaments of required purity .The customer service executives in our counters will collect your KYC documents and guide you through the rest of the process.

    How much can I expect for my gold?

    This depends on the rate of gold (applicable Loan to Value rate- LTV) on that date and the purity of gold ornaments. Please contact your nearest MFL branch for right information in this regard.

    How can I contact Muthoot Fincorp Ltd. if I need more information?

    You can reach us at 1800 102 1616, (call center) or click here for contact us page. You can also get to know us better or voice your opinions/ views on our Facebook and twitter pages

    Multi Interest Gold Loan

    This product is designed for retail customers who require different rate per grams at different interest rates. Suitable for interest sensitive retail customers who want different schemes at different interest rate, which might vary according to collateral value and their specific needs.

    Schemes with Interest Slab Scenarios

    • Best suited for interest sensitive customers
    • Very low interest rates
    • For customers who have higher gold collateral but require lesser amount
    • 70% of applicable LTV can be availed
    • Offers flexibility in repayments
    • No change in base interest rates for 3 months irrespective of repayments
    • Best suited for businessmen having quarterly cash flows
    • A product with ideal mix of lower rate and higher LTV (Loan to Value)
    • 80% of applicable LTV can be availed
    • Offers higher degree of flexibility
    • No change in base interest rates for 5 months irrespective of repayments
    • Best suited for customers having cash flows in longer intervals
    • 90% of permissible LTV can be availed

    Why a Customer Should Opt For MIP?

    • Attractive interest slab starting from 14% up to 22%
    • Option to select from different slabs and different rate per gram based on customer’s requirements
    • Flexible repayment options
      1. Bullet payment of interest and principal
      2. Part payment of interest and principal
    • Payment can be done at any of the Muthoot Fincorp branches
    • Simple documentation and quick processing
    • Very Competitive interest rates
    • If the customer remits all the outstanding dues, the interest rate will shift back to the Original rate at which the loan was availed

    Our Gold Loan Variants

    Get a doctorate in 28 days #money,university #administration,higher #education,student #finance,education,borrowing # #


    Get a doctorate in 28 days

    Get a doctorate in 28 days

    Sunday 26 October 2003 12.57 GMT First published on Sunday 26 October 2003 12.57 GMT

    The small advertisement in a leading business magazine says simply ‘non-traditional degrees’ and gives an email address to contact. When it arrives, the literature for the self-styled Trinity College and University, based at Fuengirola in Spain, gets quickly to the point. ‘We provide a unique service by helping people who have not had the advantage of a college education by converting all your prior learning, academic and qualified experience into a “non-traditional” degree,’ it says.

    A degree will help you get ahead in the job market, it continues, adding: ‘We do not ask you to take time off to study further or sit exams, nor do we have any residency requirements.’

    All you have to do is to fill in a form specifying what class of degree you would like and in which subject, then send it off with a cheque for the appropriate fee: £125 for a Bachelor, £150 with honours chucked in; £195 for a Masters; and £295 for a Doctorate. Along with your certificate, you receive ‘any study material you may have ordered’ it adds, almost as an afterthought.

    For most graduates of UK universities, securing a degree involves at least three years of study and thousands of pounds in student loans. Only universities with a Royal Charter or subject to an Act of Parliament are entitled to award degrees. But there is nothing to stop anybody in the UK claiming a degree from an overseas institution at the minimum expense and effort.

    The contact name provided for Trinity College is a Dr A Peel-Bayley. When telephoned, he was unwilling to discuss the qualifications he was offering, and his assistant said: ‘He doesn’t talk to the press’.

    In practice, the certificates he issues are unlikely to fool anybody into thinking a degree has come from one of the more famous Trinitys, such as Dublin, Oxford or Cambridge. Under the main heading, the Fuengirola Trinity is described as ‘part of the Educational Division of the UIC, incorporated in Dover, Delaware’. But at the very least, it does enable somebody to boast that they have a degree from Trinity College without lying.

    Nor is this the only institution offering ‘non-traditional’ degrees. A number of other self-styled universities can be found on the internet offering degrees on the strength of work experience and other ‘credits’.

    In some cases an association with bona fide educational bodies in the UK has been used to provide a spurious endorsement.

    Cambridge Shire University welcomes potential students to its website with a picture of an attractive red-brick building with students relaxing on its manicured lawns. But no telephone number or address is given. And although it presents the image of a traditional campus-based university, the small print reveals Cambridge Shire offers mainly distance learning courses ‘that do not require the usual time and on-campus attendance’.

    Degrees can be awarded, it says, on the basis of ‘transfer credits’ from previous academic work, ‘life learning credits’ derived from work experience, company training programmes and other sources, with any gaps to be made up from ‘course work study guides’.

    Until recently, Cambridge Shire University boasted that it was ‘accredited by’ the United Kingdom Council for Graduate Education and the British Association for Open Learning, among others. But following inquiries by The Observer, Cambridge Shire has had its associate membership of the UKCGE – a reputable body whose members include the UK’s leading universities – withdrawn.

    Administrator Elizabeth Long said: ‘They are not entitled to say they are accredited by us as we do not accredit universities.’ She added that Cambridge Shire’s membership had been cancelled following an executive meeting, and that the UKCGE ‘will introduce more rigorous checking of associate members in future’.

    Cambridge Shire University’s address is an office suite in New York. Its President, Dr Anthony Alexander, insists the university does have a ‘small campus’ in Los Angeles.

    His website also claims to offer studying opportunities at ‘New World College’ in London – but there is no such name listed in the telephone directory. Dr Alexander declined to give an address or telephone number or any details of his academic staff.

    He says he intends to market Cambridge Shire in the UK once he has obtained accreditation from the Open University and the Open and Distance Learning Quality Council (ODLQC).

    Trinity All Saints International University is another institution offering degrees based on experience rather than study. Although its website states that documentary evidence of such experience must be submitted to avoid fraud, it says a degree is usually awarded just 28 days after application. A Bachelors’ degree from this Trinity will set you back $800; a doctorate $1,000. Although it states that it is ‘chartered in the United States of America and legally incorporated in Wilmington, Delaware’, the only address given is a post office box number in Manchester, England.

    Like Cambridge Shire University, Trinity International is a member of the British Association for Open Learning. BAOL says that membership entails a written commitment to support its own customer charter, which means providing a quality customer service.

    When contacted by The Observer BAOL’s general manager, Brian Merison, said he had reviewed the websites of both Cambridge Shire and Trinity International and ‘found their using forms of words regarding their membership of BAOL which does not comply with our customer charter’.

    But should BAOL allow this type of organisation to be a member in the first place?

    Merison says: ‘In general, it is not acceptable for qualifications to be awarded without any programme of study or examination process – in open learning or any other form of learning. There may be exceptions depending on the level of the award and the way in which this is presented.’ He says BAOL is reviewing how it deals with membership of international and online universities.

    Trinity International also claims accreditation from an organisation called the International Accreditation for Universities, Colleges, Institutes (Iauci). On its website, that organisation prominently displays the British Council logo, but the British Council says it has no association with Iauci, and after legal advice has written to demand the withdrawal of its logo.

    So how big a problem is the buying and selling of degrees? The Department for Education and Skills has issued a ‘Bogus Degree Warning’ on its website, which states that ‘it is an offence to offer a degree which could be taken to be that of a recognised UK institution’.

    It is not an offence for overseas organisations to offer degrees accredited from overseas, says the department. However, ‘the UK authorities are unable to vouch for the quality of these qualifications, many of which involve no formal study’.

    A spokeswoman for Universities UK says that although it is a problem UK universities are aware of, ‘it is not perceived as a huge issue, because in our view, there are checks in place employers can use if they want to check the provenance of a degree’.

    Victoria Gill, adviser to the Chartered Institute for Personnel and Development, says: ‘Many more occupations are now moving into graduate careers, so the number of jobs where you need a degree is getting wider and wider.’ But she says qualifications are only a part of the recruitment process and human resources personnel should always check references and ask to see degree certificates. Yet the fact that websites offering degrees without study continue to thrive suggests that they are not short of customers.

    Overseas students are particularly vulnerable to being taken in. As Suzanne Alexander, promotions director at the British Council, puts it: ‘Students want to believe that a qualification gives them what they are looking for, which is international recognition and making them employable.’

    Not all, she says, know where to look to find out if a qualification is recognised in the UK.

    For organisations offering ‘non-traditional’ degrees, accreditation of any kind is a priceless currency. UK academic institutions have an urgent responsibility to ensure that their name is not wrongly used to provide endorsement.

    · A list of institutions authorised to award degrees in the UK is on the DFES website

    SBA Loans and Grants #sba #loan #kit, #sba #loans, #business #loan, #sba


    Notes: *Interest Rate is .01 up to 2.75% over Prime depending on all loan factors. There is no charge nor obligation for this. These 7 Simple Questions Will Determine Your SBA Loan Pre-Qualification Eligibility And Then Take You To Our SBA Loan Site Where You Will See The Immediate Answer and Can Also Read All About Our Services. Why you need us: Our SBA Loan Services provide everything necessary to get an SBA Loan including Business Plan Preparation Assistance Services, Review Correction for all Documents and the Lender Negotiation and Arrangement which is the most important part of our services. If you do not have experience nor the background in SBA loan preparation and do not know the right lender for your SBA Loan Package then your chances of getting funded are very low. We solve this for you. That is what our service is all about. Making it possible for you to get an SBA Loan. Our Guarantee is simple: We either get you the business funding you need with an SBA loan or Regular Business Loan or there is no charge. Our Services Products Promoted On Our Website All Carry a Full Money Back Performance Guarantee if you should decide to make a purchase. Assumptions related to the 7 questions: (Other situations are rare and do not apply to most applicants and most of the time there is a solution to them and our SBA Consultants and Accountants will help you to resolve any problems that might effect eligibility) Applicant is of Good Character and not Current ly Incarcerated, on Parole, or on Probation for Serious Criminal Convictions. Exceptions: Past criminal convictions do not make one ineligible. This is related to current status only; Business will initially or currently has UNDER 500 Employees if a Manufacturing Business, and UNDER 100 Employees if a Wholesale Business. Exceptions: This does not relate to future plans, only current number of employees at the present time if any; Business will be or is Independently Owned and Operated and Not a Dominant Monopoly in its Field. Exceptions: This means business is not dominant in it’s field as a monopoly, a government owned agency or a giant corporation such as Ford Motor Company, IBM or Microsoft; Business will be initially or is currently Annually Grossing UNDER $29 Million Dollars for a Service or Retail Type Business, UNDER $12 Millions Dollars for a Construction Type Business, and UNDER $9 Million Dollars for an Agricultural Type Business. (Note: for existing businesses sales figures are Based on the Average Annual Sales over the previous three years) Exceptions: This does not relate to future plans but current actual figures at present time; Applicant or Business is Current or Paid Off on any PAST SBA Loans IF any were ever issued in the past (Note: Only Applicable if Applicant or Business has or has previously had an SBA Loan) Exceptions: If there was an SBA Loan previously then it is not a problem if it is not currently in default or has already been settled previously in some way; Business is an Eligible type of business. Businesses that are NOT ELIGIBLE are as outlined, unless an exception noted below fits: A Business is not Eligible if it is Primarily a Speculative Investments Business, Risky Real Estate Investment Business, Pyramid Sales Scheme , Primarily involved in Lending Activities, Primarily involved in Passive Investments of any kind or Primarily engaged in Gambling or Pornography. Exceptions: There is a lot of flexibility for all of these Items in this category. Business Real Estate Loans (Buildings, Property and Land) are Eligible and not a problem and Real Estate Businesses or Rental Property Type Businesses primarily engaged in other Non-Passive operations as well as handling of rentals are still eligible. The key words are Risky , Passive , Investment or Speculative in relation to Real Estate type businesses. Investment firms are still eligible as long as the loan proceeds are not being used for Speculative Investments . A Loan Brokerage firm or Pawn Shop is still eligible. Other Loan Companies can also be eligible. The key point is that the Loan Proceeds will not be used for loan funds, but instead used to develop or start your business. If your business is involved in gambling, the key point is whether it is Primarily involved or only Incidentally involved. An example of Incidental involvement would be a store, restaurant or other enterprise that has slot machines or some gambling machines on their property. Primary involvement would be a casino or other type of gambling operation. Incidental involvement is still eligible. Nude Art is not considered Pornography, nor are businesses that employ Dancers. A Multi-Level-Marketing or Network Marketing type of business is not considered a Pyramid Sales Scheme type of business and is still eligible if is pursued as an actual active type of business. Request a phone consultation with one of our SBA Consultants or Just fill out the form above or just Email us at QuickQuestions [at] BusinessLoanEasy [dot] com if you need further clarification regarding your own business plans. If this item, or any other item on this list or in any of the questions above, is a problem, our services and program includes instructions to solve the problem so that your business or business plans will be then eligible. *Interest Rate is .01 up to 2.75% over Prime depending on all loan factors.

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