i am doing my MCA but i am very interested in bank jobs now a days banks are recruiting no of persons but i cant free to prepare for this because i am busy with my MCA
but my feelig is that whether the recruitements continue for one more year are not because my MCA is still one year more so if u have any info on this please give me
Hello Everybody, I am Mr,namdach Cho(C.E.O)Cho Loans Firm,a private legit and govt aproved lender,i give loan with a low interest rate of 2% to everyone,i.e house loan,car loan,bus loan,educ loan.e.t.c,you can cont. me at (info.namdackloancompany@gmail.com) for more information about our Loans
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How many years back do banks check for a criminal record. I know some jobs do a 7 year check others do a 10 year check others do a for life check. I only want to hear from someone with direct experience.
I have conducted numerous background checks for banks and they were always for life or that part of life that would be retrievable, if your adjudication was withheld and you were a minor then there would not be a record but if you were an adult it will show up and the arrest will show up anyway and that is usually worse than the court file because it would not show the disposition of the case.~
I am btech graduate(ECE) with aggregate 58%. I am looking 4 decent n less stressful jobs.
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01.30.09
Have you ever wondered why a stock rallied after reporting their worst earnings ever? Have you ever seen a stock drop like a rock after reporting blockbuster earnings? I’m sure the answer to both of these questions is a simple, yes. This happens endlessly in the market on a daily basis. By now you are asking why does that happen? The answer is the market always knows and is never wrong. Recently Apple Computer has been under pressure and the stock price was declining on a daily basis. The rumor on Wall Street was that the CEO Steve Jobs was very ill and that was the reason for the decline. Then Steve Jobs released a statement saying he had a hormone imbalance condition that could be easily treated and cured shortly. Upon that press release the Apple Computer stock price jumped higher for a day. The very next day AAPL began to decline again. What was the market sensing about AAPL if the CEO Steve Jobs was going to be fine? How did the market know a week later that Steve Jobs would be taking a medical leave of absence and make a statement that his condition was worst than originally stated. Perhaps it is the insiders that know and the news trickles down to the street. I personally do not know the absolute answer for this, however, I do know that the market knows and it shows in the charts.
Have you ever noticed that stocks always seem to get multiple upgrades and downgrades at all time highs and all time lows? It seems like the brokerage firms are trying to out bid each other with a higher or lower upgrade or downgrade. I recall when Google was trading at $700 a share and brokerage firms were stumbling over each other upgrading the stock to $1000 to $2000 a share. Are they popping it to drop it? Perhaps they really believe it is going to that price and simply just don’t understand the laws of supply and demand.The same goes for stocks that have been pounded into the ground. Countless times I have seen stocks get downgraded at 52 week lows. Then a short time after the downgrade the stock rallies off the lows and becomes in favor again. Are the institutions banging them to buy them, which is trader lingo for buying a downgrade. In 2005 I recall Frontier Oil getting downgraded by multiple firms at a low. That low turned out to be a wonderful buying opportunity as the stock doubled within a few months.
In June 2005 the cover of Time magazine had a cartoon portrayal picture of a man hugging and kissing his home. At this time the housing boom was at the peak and everyone that had a pulse wanted to get into the house flipping business. As we all know now this was nothing more than a game of musical chairs and eventually would come to an end. As it turned out this would be the start of the worst financial crisis since the 1929 Great Depression.
It still amazes me to this very day that most people have very little interest in understanding the mechanics of the markets. So few in the public understand market sentiment. I really should say so few even in the financial world understand market sentiment and the market mechanics. Just take a look at Bear Stearns, Lehman Brothers, Merrill Lynch, Wachovia, Washington Mutual, Indy Mac Bank, Countrywide Financial, Citi Bank, Goldman Sachs, and countless others.
Most people have a retirement account and have lost 10 years worth of savings in one year and many have lost even more. Take the time to learn the market mechanics. Perhaps a simple magazine cover could have prevented many from losing a good chunk of their net worth.
Source: InTheMoneyStocks.com
The Leader In Market Technical Guidance
Gareth Soloway
http://www.articlesbase.com/investing-articles/market-always-knows-best-756700.html
Even with the economy in the bad state that it’s in, Americans are constantly coming up with new business ideas that have the potential to do well and improve the quality of life for all involved. These budding entrepreneurs may really do all the necessary homework and look into things like market potential for the product or service, competitive research, acquiring the proper legal protection for their idea (such as patent or copyright filings) but most importantly, finding the money required to make their dreams become a reality.
Typically, the entrepreneur doesn’t have all the necessary start-up funds required to get their business idea launched on their own, which leads them to look for financial assistance. They usually discover when they prepare a detailed business plan, the costs involved in turning their good idea into a real business tend to be significantly more than they ever could have anticipated.
When all the usual sources of funds are exhausted ( such as a second mortgage on the family home, using up savings meant for retirement, borrowing from family and friends, etc.) the next step is to approach a bank with your business plan. You will find that banks are usually not interested in financing these enterprises without a ton of security, which usually means if you had this type of collateral, you would not need a loan in the first place. Especially in this market, interest rates and the ridiculous amount of bad loans already looming over each financial institution tend to make for low approval ratings
It is at this stage in the small business startup process that most will give up. Without help from the bank, how will they ever finance a small business venture?
The good news is that what people don’t realize is that both Federal and Provincial governments actually offer an excellent variety of either loans or, or depending upon the situation and/or business idea, Government Grants. The best part about these Government Grants is that they are NOT A LOAN. Meaning, you will never have to pay them off! Consider it the small business equivalent of a Government Bailout. They’re investing in the small businesses because they know that one day you might become a big business, at which point they’d benefit from the added taxes and jobs that your company would produce.
I think everyone knows government loans and grants do exist, the problem has always been where do you find information about them and how do you apply. The review website, Free Government Grants is the first complete and up to date source of this type of information. It is a comprehensive review site featuring articles on the various types of grants available from Personal Grants, Business Grants, Educational/College Grants and much more. It also has a large review section helping you wade through all the various options and services available for those seeking more information on how to apply to receive a Government Grant
Tom Conrad
http://www.articlesbase.com/small-business-articles/government-grants-how-to-find-free-government-grant-help-679161.html
When the phone is ringing every day and the bank is threatening to foreclose your home, because you are behind on payments, it is easy to believe that the banker is drooling over the possibility of foreclosing on your home. But you should know that the bank stands to lose a lot of money if they are forced to foreclose on your home. Read this article to learn the real truth about banks and foreclosures.
With what I have learned about banks and foreclosure over the last couple years, the information that I am about to share with you now, could have helped a few of my friends avoid losing their homes. Because I could not help them in their time of need, it is my hope that I could help you now, in your time of need.
I know that my initial suggestion that “banks do not want to foreclose on your home” may seem far-fetched to you now, but by the time you have read this article in full, you will recognize that you have more power over the bank than the bank would care to admit to you.
The Truth Is In The Numbers
Let us suppose for the sake of this story that you paid $100,000 for your home. And let us suppose that you put a full 20% down on that home five years ago. In this scenario, your bank loaned you $80,000 to help you purchase your home, and at best, you have probably paid $10,000 towards the principle of your home loan.
In the past year, you suddenly found your finances stretched for one reason or another. Perhaps you changed jobs, or your business contracted with the economy. Perhaps you had a financial emergency that required a lot of cash to solve, and now you find yourself struggling to catch up on the rest of your bills.
In the end, it really does not matter the reason for your current financial crisis. It will have little bearing on the outcome of this story.
This is where most people make a mistake in their understanding of the banks’ motives in threatening foreclosure. The bank is not threatening foreclosure because they want your house. The bank is threatening foreclosure, because they want to spur you to action, to fix your current financial crisis.
I know you are thinking that the bank will sell your home for its full retail value, but they won’t, because they cannot afford to hold onto your house for a long period of time. In order to sell a home for full retail price, the bank would need to commit to holding the home, perhaps for years, until that perfect buyer arrives to buy it.
If you force your bank to foreclose your home, your bank will put your house up for auction at a sheriff’s sale. PAY ATTENTION… this is important. When your bank puts your house up for auction, they will generally only get 35 to 40 cents on the dollar for your home.
The bank is currently out 70 cents on the dollar against the retail value of your home, but if forced to auction, the best the bank can expect to get out of your home is half what the bank has invested into your home!
In the scenario I have outlined here, you owe $70,000 on a $100,000 home. But if you force the bank to foreclose your home, the best the bank can hope to achieve is to get $35 to $40,000 for your home at auction. Do the math. If your bank forecloses your home, your bank will lose between $30 and $35,000, when they sell your home. Ouch!
This is the key information that you will use to stop the foreclosure of your home. As you can now recognize, your bank needs you to stay in your home, more than they desire to foreclose on your home.
Leverage
As should now be obvious, you as the homeowner have a lot of leverage over your bank. And if you play your cards just right, you will not have to lose your home.
If you find yourself behind on payments and you are looking for a way to save your home from foreclosure, you need to speak to a company like National Foreclosure Counseling Services (http://nfcscorp.com/). NFCS is a company, which can help you negotiate a repayment plan or loan modification on your behalf.
When NFCS contacts your bank on your behalf, your bank knows that you are interested in taking whatever steps are necessary to get back on the straight and narrow with them. When banks realize that you are serious about staying in your home, they have to weigh the options of negotiating a loan modification or losing an average of $30,000 when they foreclose your home.
If the bank has someone in a home that wants to stay in the home, then the bank stands a chance of retaining some of their profits on their original loan, if they are willing to renegotiate the terms of that loan. However, if the bank is forced to foreclose on the property, then chances are good that the bank will lose a lot of money.
Think about it. Your bank does not want to foreclose your home. It is in the best interests of your bank to keep you in your home, period.
National Foreclosure Counseling Services (http://nfcscorp.com/) has a proven track record (with documentation) of helping families such as yours renegotiate with their banks to help them to stay in their homes. In just the last 90 days, NFCS has helped 600 families renegotiate with their banks to avoid foreclosure.
The Most Important Step In This Process
You have the power to save your home from foreclosure, if you simply decide that you want to exercise your power of self-determination.
Who knows? You may have decided that you don’t want to try to hang on to your home for whatever reason. So long as you understand that a foreclosure will hurt your credit for at least ten years, perhaps preventing you from being able to buy another home, then by all means, it is your choice to accept foreclosure or not.
The current real estate crisis will not last forever, and housing prices will rebound eventually. Even if you see yourself upside-down in your home now, you may just find that if you hang on to your home another five or ten years, then housing prices will bounce back and you will survive the current real estate crisis without great financial loss.
But if you are like most people, you probably cannot bear the thought of losing your home and the equity you have so far built up in your home. If you desire to hang on to your home, then you alone must take that first step towards saving your home from foreclosure, then you should make it a point to get in touch with the folks at National Foreclosure Counseling Services, as shown below.
Author’s Note: This article was originally posted at: http://cash-advance-payday-loans.org/blog/banks-do-not-want-to-foreclose/2009/01/
Gen Wright
http://www.articlesbase.com/credit-articles/banks-do-not-want-to-foreclose-your-home-718722.html
O Believers!
The new Messiah. His divinity is all about change, hoping for change and changing for the hope - not to mention coolness and hype. So what is the second coming of Jesus doing ? In the name of progressive change the divine one has reappointed 28 former Clinton advisers to his ’shadow government’, named Tim Geithner an insider from the New York Central Bank and someone who is partially responsible for the current economic mess as Treasury Secretary [bad choice]; and now his holiness has announced that HE and HIS government [not markets you understand], will create 2.5 million jobs. Right out of thin air! Or maybe just by adding holy water ? Note to the Messianic genius - governments cannot create anything. Maybe his divinity can read the history of the 1930s and the failure of the New Deal to re-educate his Harvard trained mind before he wipes out the US economy ‘creating’ 2.5 million eco-jobs with welfare money.
O Believers!
The great one, the new prophet and savior of mankind, truly believes that HE [with divine approval?] will save the US economy and ‘manufacture’ jobs. Listen to what his Harvard trained eminence, with the ancient prophets smiling from above no doubt, had to say about HE and HIS team’s plan to solving the government created economic crisis: “..this plan is big enough to meet the challenges we face. … We’ll be working out the details in the weeks ahead, but it will be a two-year, nationwide effort to jump-start job creation in America and lay the foundation for a strong and growing economy.”
O Believers!
Blessed be the prophet Obama. The new messiah’s plan in his own words [are they divine?], “will mean 2.5 million more jobs by January of 2011.” Saving, creating, - a national effort ! personal and communal meaning ! Maybe we can call this the new ‘Volksgemeinschaft’ or the O’Messiah’s state-individual community agreement ? His divine being has proclaimed that the US will be engaged in a 2 year national socialist effort at inventing jobs - how communal, patriotic and heart warming. Tears well up in sundry eyes, as hearts throb to the messianic beat. But there is a slight problem for the holy messiah and the true believers - governments don’t create jobs.
O Believers!
But the kool-aid drinking media and the frenzied and brainwashed [but they hate Christians remember] O’Messiah cult, too busy to read, to get educated, and too disdainful of human skill and ingenuity, will wildly applaud and believe the Black Jesus and his commandments that ‘we shall create and save 2.5 million jobs!’ That would be the 11th commandment along with the other 10 that no one in today’s highly educated world can name. Markets will no doubt rise, female media correspondents faint, and Oprah and friends, along with the racist Trinity Church in Chicago will scream and dance.
O Believers!
The only problem is that government does not create anything. Government does not have independent revenue sources. Government does not have private capital. Government does not create private markets, private contracts, supply and demand and price points. Government does not expand anything other than state power which crowds out and destroys private capital. By destroying private markets in ‘creating’ welfare programs all a government will do is increase debt and actually increase real unemployment over a longer period of time.
Apparently basic economic knowledge is not a requirement to be President or a messiah.
O Believers!
The O’Messiah is simply imitating the failed policies of FDR in the 1930s - one of the great statists and socialists of all time and much beloved by students, professors, and the media. FDR’s statist deal apparently ‘created’ 5 million jobs in the US during the 1930s. Roads, bridges, stadia, public gardens and parks were all ‘created’ by FDR’s autocratic government. However in 1939 25-35 million men were still unemployed - the same number as in 1932. So over a 7 year period nothing changed. FDR did not create jobs, he did not stimulate the economy. In fact he raised taxes, increased government spending by 3 times, increased the Federal debt by 10 times, and after 7 years of hyper-active government interventionism the result was the same - mass unemployment.
Henry Morgenthau was Treasury Secretary during this period and was the man responsible for writing the cheques. In 1939 he admitted the entire New Deal program was a colossal failure: “We have tried spending money. We are spending more than we have ever spent before and it does not work. And I have just one interest, and now if I am wrong somebody else can have my job. I want to see this country prosper. I want to see people get a job. I want to see people get enough to eat. We have never made good on our promises. I say after eight years of this administration, we have just as much unemployment as when we started. And enormous debt to boot.”
You will never see such quotes or facts in history books, classrooms or in the media. FDR like the O’Messiah is a saint like figure. FDR ’saved’ America during the Great Depression. Actually no, he and his policies and that of the preceding Hoover administration caused the Great Depression. The dirty thirties were a government creation not a market failure. High taxes, protectionism, reduced credit, massive regulation and an orgy of spending and governmental interference created and deepened the Depression. Far from saving anything, FDR actually destroyed not only millions of jobs, but millions of ordinary lives.
O Believers!
And for that FDR is a hero.
Now fast forward the new O’Messiah. HE and HIS government, like FDR’s, will create or save 2.5 million jobs. This is rather disappointing since the great socialist FDR created or saved at least 5 million. One would expect more from a divine being. But no matter. Like FDR the Black Jesus will create public works programs targeted at ‘infrastructure’ since according to his holiness only public money can ’save’ the US’ decrepit infrastructural system. However we have the added bonus of hundreds if not thousands of Greenie programs which will be added. Apparently since the state is the only actor which can build a road, it must de facto be the only actor who can love and nurture Mother Earth. So not only will the adoring and publicly paid legions of O’Messiah supporters be busy repairing roads, bridges and sewers, they will also be engaged in trimming bushes, planting flowers, hugging trees, and tenderly cleaning up rivers and streams. We should expect that the welfare created armies of the new Messiah, during the GlobaloneyWarmed summer months of massive climate change will be dancing naked and gaily in the pristine forests and meadows that they have ’saved’.
Not only will his holiness ’save and create 2.5 million jobs’, he will also save Mother Earth!
O Believers!
It is enough to make one drop to his knees, crying and driveling snot and thanking the divine presence for his prescience and massive intelligence in saving us from ourselves! Blessed be the new Jesus !
So let’s see. The Black Jesus will hire 2.5 million good little statists. He will pay them by either raising taxes on others, or by incurring more debt by selling debt instruments to largely foreign buyers [if any remain]; or he will simply print the money. So the 2.5 million ‘created’ jobs are not actually jobs per se but a massive welfare program paid by taxes, future obligations with interest, or through a devalued currency and hence a living standard reduction for all taxpayers. Nice.
Would it be any different if his holiness asked every American to go outside and dig holes for 6 months ? He could then claim to have created 300 million jobs overnight and saved the US economy. He could repay the labor of digging holes, by granting every American a welfare cheque for this ‘work’. This payment would come from sur taxation or debt. Is increasing taxes and debt creating jobs? Does an economy flourish when incentives to produce product and make a profit are diminished? Does real GDP actually grow when you print money or sell debt and hand over the proceeds in welfare payments?
O Believers!
The O’Messiah’s plan is plainly stupid. It is FDR statism. New Deals have always failed. Nazi Germany contrary to popular myth was a bankrupt state in 1939 thanks to nationalist socialist engineering. War in 1939 was inevitable. The Russian empire imploded as ‘New Deals’ destroyed capital, jobs and even morality. Now we have the Black Jesus, whom the media chants is ‘gonna save us’ [so eloquent] proffering the same nonsense. HE will create or save 2.5 million jobs? No he won’t. Like FDR he will destroy millions of jobs and with it millions of lives. And like FDR being an elitist Ivy league snot he won’t care a whit and will use deception and lies to justify big government and the expansion of state power.
C. Read
http://www.articlesbase.com/news-and-society-articles/the-black-jesus-and-the-old-new-deal-to-create-25-million-jobs-675184.html
I want to sit in front of a screen draw trend lines, follow the market prices and trade throughout the day or every frew days (particularly futures and/or options). I dont want to be a broker, I dont have $25k to become a day trader, so what types of trading jobs are out there? What type of trading jobs are within an investment bank and how do I find one of those jobs? How do I get a job in a trading room?
Eh well, you need an internship if you want a hope of getting a full-time grad role in a bank. And trust me, most of the time you’re a middleman. You do market making on behalf of your clients, and depending on where you go, from vanilla equities to the highly structured fixed income products, it becomes more difficult. In essence there are few types, market makers, flow traders and prop traders. The last one is the most glamorous as you’re trading the bank’s own money. But you need plenty of experience to get there and if Obama and Volker have their way, they’re going to cut back on it. All I can say is get an internship anywhere on a specific desk, and do some quantitative finance courses (options theory, credit pricing, etc) or read Hull, and you’ll be in good stead
Hi. I have been working in a bank(back office processing) in Malaysia for 3 years plus.
Looking for a bank job in Singapore.Applied(through online job sites) to a number of foreign banks there but no replies.I guess most of them prefer Singaporeans or PR. What are the chances of a Malaysian getting a bank job?
Other than applying from those job sites, you can also try get in touch with those job agencies in Singapore, here some info about it:
http://www.activesingapore.com/singapore-jobs-consultants.html
It’s definitely possible for Malaysia to get a job in Singapore banking industry. Furthermore, the banking industry in Singapore is back in hiring spree. Good luck.