Monthly Archives: July 2017

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Foddie Entrepreneur

Thinking of food all the time? So now make it your business!

Food joints are loved by all and have an ever rising demand if quality is not compromised. You may choose to start up with a couple of offerings like beverages and snacks and later on tread into being a bakery and concessionary shop.

Perhaps the easiest of all food joint-offerings is beverages. Scores of soft drink concentrates are available to choose from. From refreshing lemon to tangy orange these soft drink concentrates can be mixed with water or plain soda and served chilled. Invigorating roasted cumin concentrate is a delight in the scorching summers. Fruit flavored soft drinks garnished well not only quench the thirsty throat but also sooth the sore eyes. All you have to do is mix them up in the right quality and serve!

Instant fruit drink powder is a wonderful piece in your kitchen. Blend it with seasonal fruits or canned fruits, garnish it well and serve to quench the thirst of your clients. Canned fruit pulp is another option for beverage. Add the right amount of water or milk and you have a thick shake to serve. If the location of your food joint is blessed with plenty of seasonal fruits then serving fresh juices would prove to be more cost effective. Having the fruit juice extraction machine in an open space where the clients can see their glass being filled will be admired by them. This will demonstrate them of your hygiene standards and quality.

Flavored milk shakes are another popular offering at food joints. Chocolate and strawberry are the most common ones. You can try lots of new flavors by adding flavoring agents. Throw in some crushed nuts, fruit pieces or chocolate chunks to make new milk shake flavor each month.

Beverages are best served with crunchy wafers or biscuits. Bake them in-house or order them from a supplier simply make sure they are fresh. A platter of assorted biscuits coupled with a tasteful strawberry shake is the choice over a long conversation.

Jelly can be another interesting offering at your food joint. Just buy some jelly crystals and make jelly of distinctive shapes. Children will surely be fond of these jellies. Also jelly pieces can be mixed with milk shake for a fruity flavor.

You can find suitable vendors for all your requirements at the B2B portals over the internet. Choose your vender wisely and watch your business grow.

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Music Composition – A Good Job To Earn Money

Earlier it was believed that only music professional can compose good music. But now with music sequencer software even a person who has less knowledge but good interest in music can create beats and that too with only some mouse clicks. Also, it is not necessary to buy new equipments to do so.

After long search and discoveries new music maker software is available online. Sonic Producer is online software that assists people to compose sound of their interest and quality with few instruments, sound effects and machinery provided to those expertises in music. You can generate music of your choice through this. Therefore it is a good source of income for those interested in composing music. You can sell the music online and earn good money to improve your economic conditions.

Some steps to compose music:

Sonic Producer is the latest software that meets most of your basic needs in producing music of good quality. It requires three things a keyboard, a workstation and music software. You cannot learn music in a day. It requires time so progress slowly. After some time when you get some idea then compose your own music. In the meantime you will discover several new ideas and will love using the software.

The primary step is the selection of proper samples. Both the piano and drums should suit with the remaining music. Suppose you select a wrong brass drum, your base line would fail. So to make a perfect beat always select the best beat.

Other step is use of keyboard to select the correct melody. Play a single octave on it. Then pick five distinct notes from that one octave and play regularly until your beat matches perfectly to it. Ensure to play all the keys in sequence to achieve best results and compose a good music.

So, music making software especially Sonic Producer makes it very easy for any person who likes music to compose beats easily. Every sample can be played and checked easily. It provides you many different types and sub-types to form the beat that you like. This software also has many other advantages such as stretch effects, create compression and reduce and raise tempo and various others to compose music which has a perfect and innovative presentation. It is even possible to layer the beats for more composite and alluring music. Although there are two or three beats but you can raise them as per your need to compose a sound of good quality and loved by people.

But there is one drawback of this software and that is it restricts your creativity.

But this for sure that till now no other software other than Sonic Producer has been the best to compose beats of perfect quality. The software is very user-friendly and easily compatible.

So, you can do this job to get some money and fame. Hence, produce the music of your choice and earn money by selling it online.

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Icici Bank Sells Terminals Of Card Payment

ICICI Bank has concluded the sale of its network of electronic point of sales (PoS) terminals that accept Credit Card and Debit Card payments to First Data Corporation (FDC). The bank has hived off its network of over 1.5 lakh electronic swipe machines to a separate company ICICI Merchant Services. First Data has bought an 81% stake in the company which has been valued at a little over $90 million.

When contacted, ICICI Bank refused to comment on the transaction. The bank has, however, communicated to merchants having ICICI Bank terminals that the PoS network has been transferred to ICICI Merchant Services. First Data, along with partner banks, is keen to proliferate payment transactions not just at top retailers but also through small cities or towns in India, said Amrish Rau, country manager, First Data Corporation.

Referring to the transaction with ICICI Bank, Mr Rau said an announcement would be made in due course. Mr Rau, who represents First Data in the country, is likely to head the new payments company. First Data is a US-based company that has been created after banks farmed out their back office processing systems into a separate company. FDC is presently owned by private equity giant KKR.

The Reserve Bank of India has already given clearance for the deal. According to banking sources, the deal value has gone up after RBI said that merchant establishments, including grocery stores and supermarkets, could swipe customer cards and offer them cash.

In addition to unlocking value, ICICI Bank expects that the specialised company will bring down transactions costs and also grow the payment network more efficiently. This is the first time that an Indian bank has hived off its PoS terminal network.

So far it has been foreign banks that have outsourced these functions but their network is of much smaller scale.

ICICI Merchant Services will earn a fee every time a credit cards or debit cards transaction is processed through the point of sale network. The fee is usually borne by the merchant and a large part of it goes to the card issuing bank. This is in lieu of the credit that the issuing bank extends to the cardholder until the end of the billing cycle. A smaller part of the commission goes to the bank owning the PoS terminal (acquiring bank) and smaller portion to the payment company Mastercard or Visa.

Incidentally, State Bank of India has for some time expressed its intention to set up a network of half a million point of sales terminals. To build this network the bank had earlier sought partners. However, the project was shelved as the bank decided to take a more holistic approach of its payments business.

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Bank Auction Sale Of Properties Are Incresing In India.

The Debt Recovery Tribunals have been established by the Government of India under an Act of Parliament (Act 51 of 1993) for expeditious adjudication and recovery of debts due to banks and financial institutions and they are auctioning some properties. Subsequently With an aim to provide a structured platform to the Banking sector for managing its mounting NPA stocks and keep pace with international financial institutions, the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002 was put in place to allow banks and Financial Institutions (FIs) to take possession of securities and sell them. Various Banks, State Financial corporations , and Asset Reconstruction companies are auctioning their Non performing assets, i.e housing properties, commercial properties and Industrial properties under SARFAESI act 2002.

Public Sector Banks are shifting to new system called Core Banking System (CBS), which automatically processes and updates transactions, helping identify NPAs on a daily basis, as against the current system where most transactions are managed manually, leaving scope for slippages. As a result of this the NPAs of some banks are expected to increase by as much as 150%. According to latest data from the Reserve Bank of India, the gross non-performing assets of state-run banks touched 68,597 crore at the end of December 2010, an increase of 27% from a year ago.

Ours is an Internet portal publishing all the Bank auction property listings since December 2009 and we are the only one providing such information pertaining to 32 major cities in India. We are committed to create awareness among general public about the Bank auction procedures and to generate vibrant market for Bank auction properties in India. Our services are being utilized by various Banks, i.e Union Bank of India, State Bank of Hyderabad, Andhra Bank, Punjab National Bank, State Bank of Travancore, State Bank of Mysore, Bank of India, Indian Overseas Bank, Allahabad Bank, The Shyamra Vithal co-operative Bank, Karnataka APEX Bank, etc.

In the past 15 months we have listed over 51,000 Bank Auction properties, which include Auctions and Possessions at 32 cities spread across India. Bangalore has the highest 9140 Bank auction properties, and followed by Mumbai- 5829 properties , Hyderabad 5230 properties and Kolkata 4451 properties. The trend is expected to increase in future.

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Unsecured Small Business Loans Easy Financing Without Collateral!

Statistics prove that the demand for unsecured small business loans have been rapidly increasing over the past few years. The idea of an unsecured loan creates new financial horizons for individuals that may not have collateral. This is also of special interest to new business owners that are interested in entering a new business venture. Potential business owners are always interested in a business loan to provide working capital for their new endeavor.

The paradox when applying for most unsecured small business loan programs is that a new business owner does not yet have any collateral. This can quickly shatter a business dream. The only other consideration such an individual can have is to use his or her personal assets to secure a loan. But new business ventures have a risk associated with them, once that many people are not willing to transfer to their hard earned assets.

Collateral is often the biggest obstacle to the prospective business owner. Not only does a new business not yet have any commercial collateral to provide; but it is asking a lot for an entrepreneur to put his hard earned personal assets at risk in order to start a new business venture. Yet, without collateral, getting a business financing can sometimes seem impossible.

Small entrepreneurs, who do not have collateral to offer, find unsecured small business loans as an alternative, which help them expand their business to new horizons. They are only required to make regular repayments to the creditor without any apprehension of their business assets being repossessed by the lender in case of defaults. At the same time, small businessmen who opt for unsecured small business loans should be prepared to pay a little higher interest as compared to other credit options. However, interest rates may vary depending upon the credit history of the businessmen.

No collateral unsecured small business loan products are now available through select lenders, although they can still be relatively difficult to find among traditional banks and lenders. The revolutionizing force is coming from a plethora of web based lenders that are offering innovative new financial solutions, including no collateral loans. A variety of unsecured loan products for business and personal needs can be found via web based financial companies.

Applying for unsecured small business loans is easy, all the business owner need to do is just go on line and submit their loan details. Then the lenders will refer back to you with the loan decision in a few days.

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Loan Modification Alert Countrywide tightens Loan Modification

Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.”>Homeowners hoping to get a loan modification with Countrywide may want to rethink their options. Countrywide Financial, best known for excessive lending practices that led to widespread defaults, now has so much bad debt on its books that it may have to tighten up its loan modification service.

Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.

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Why you should trade stocks online

When it comes to stock trading the best place to do it is online through an online brokerage. The nice thing about trading stocks online isn’t just the lower trade fees but also the many advantages you will have as a trader. Something most people don’t understand about trading stocks online is how easy it is due to all the software, charts, and help you get from the team of experts from that particular online brokerage. Advantages of trading online Learning – If you have ever used an offline broker then I bet you don’t learn too much about stocks, right? The reason you won’t learn that much is because the broker you have is most likely just giving you advice on what to trade without any help from you. The great thing about trading online is that you get to learn what stocks are good and which ones are bad from all the software that the brokerage gives you. Speed – One of the things that you never get to experience using an offline broker is the speed in which trades are executed. Using an online broker normally means that when you trade during the day your trades will be filled within 10 seconds. Using a offline broker normally means that your trade will be filled within minutes as opposed to seconds. Trading activity – Something that you never get from an offline broker is the trading activity over a certain period of time. The nice thing about an online broker is that you can get your trading activity within seconds and you can get any trading activity you have ever made under that account. Better software – Another thing that you get access to is much better software than some offline brokerages. The nice thing about getting access to all this great software is that you can easily track companies and determine when it is a good time to act on the trade. For some people using software seems to be much harder than they had originally thought but in reality once you learn how to use it there is nothing to be afraid of.

Always remember that if you want to make money with stocks then you need to have the proper stock trading training.

The author of this post is also the creator of a new lumbar support cushion.

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Denied Mortgage Modification

I frequently hear clients say they were told to not pay their mortgage for 3 months so they can apply for a mortgage modification. Then, after submitting all of the paperwork, the modification is denied. Or, they’re just put into a trial period, the whole while believing that their mortgage is modified. Then they really are surprised to be served by the Sheriff with foreclosure documents. They really are rightfully scared, confused and hopeless. They wouldn’t have asked to get a modification if they could afford their mortgage in the first place and now the bank is telling them to pay a minimum of those three months that was not paid so they can apply for a modification or be faced with the prospect of losing their home.

Sometimes, rather then endlessly arguing with the bank, homeowners benefit from meeting with a lawyer knowledgeable about the mortgage modification process or an experienced bankrutpcy lawyer. Many people asked for help with a mortgage modification from their bank hoping to avoid filing for bankruptcy. Some people think that when they file for bankruptcy, they will be forced to sell or lose their home. This is usually not the case. Filing for bankruptcy can sometimes be the only real choice to save your home. In order to learn if bankruptcy may help you, you may want to consult with a local bankruptcy lawyer. If you’re considering filing for bankruptcy in order to protect your home, please don’t wait until the sale date is scheduled. The bank might have dragged their feet with respect to your modification, but time is essential and the earlier you speak with a bankruptcy lawyer, the more options could possibly be available to save your home.

A chapter 13 bankruptcy is the primary chapter of bankruptcy used to stop a mortgage foreclosure. There are very few requirements to qualify to file for a chapter 13 bankruptcy. A chapter 13 bankruptcy will allow you to pay off your past due mortgage amounts over a time period as opposed to right away, like the bank wants.

Only a licensed attorney can provide a homeowner legal advise regarding their situation. There are many ways to locate a qualified lawyer. For example The National Association of Consumer Bankruptcy Attorneys is often a helpful resource in helping distressed homeowners find a qualified lawyer who’s experienced in both mortgage modification issues and the advantages of filing for bankrutpcy protection as it relates to stopping foreclosure proceedings.

Jane L. Weatherly, Attorney at Law, PLLC is a bankruptcy law firm located in Raleigh, Wake County, North Carolina, The firm is a debt relief agency and assists consumers file for protection under the United States Bankruptcy Code. For more information, please call (919)758-9296 or visit .

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Jammu And Kashmir Bank Limited (j&kbank) – Financial And Strategic Swot Analysis Review

May, 5, 2014 : Company Profiles and Conferences presents a Company Report on “Jammu and Kashmir Bank Limited (J&KBANK) – Financial and Strategic SWOT Analysis Review”, which include anywhere banking, internet banking, SMS banking, ATM services, debit and credit cards, merchant acquiring, mutual funds, insurance services, and remittance services. It conducts banking business of the Central Government, and collecting central taxes for CBDT.

Summary

Jammu and Kashmir Bank Limited (J&K Bank) is a financial services provider, based in India. The company provides loans, insurance, tax products/planning, savings and deposits, cards, mutual funds, and non resident banking. It offers support services, depository services, third party services, and cash management services to its clients. The companys services include anywhere banking, internet banking, SMS banking, ATM services, debit and credit cards, merchant acquiring, mutual funds, insurance services, and remittance services. It conducts banking business of the Central Government, and collecting central taxes for CBDT. The company offers financial solutions for household, small and medium enterprises. J&K Bank is headquartered in Srinagar, Jammu & Kashmir, India.

Jammu and Kashmir Bank Limited Key Recent Developments

Jul 04, 2013: Jammu and Kashmir State Of India Inaugurates Drugi Micro Hydro Power Plant

This comprehensive SWOT profile of Jammu and Kashmir Bank Limited provides you an in-depth strategic analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms is the part of Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Jammu and Kashmir Bank Limited including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.

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The Hottest Gold Investment Strategy Available Today

Buying gold is an investment strategy which, in this current bear market, is unlikely to fail to make a real return on your investment and safeguard your personal wealth against ever rising inflation, but perhaps the hottest gold investment strategy available to private and institutional investors is certified gold coins.

Certified gold coins as a gold investment strategy are pretty much the same as gold bullion bars with one exception; the rarity and scarcity value which is placed upon them because they are highly prized collectors items. It is the collectible value which tends to make them more expensive than bullion bars and harder to come by. A gold investment which comprises bullion bars and bullion coins is a wise investment, simply because the spread is wider and when it comes to selling and retrieving some of your gold investment and turning it into liquid assets it is sometimes easier to sell gold coins on the market because of their rarity and scarcity, and of course this can and does push the price over and above gold bullion bars.

Making a gold investment is something people have committed themselves to over the centuries and certainly there is documented evidence dating back some ten thousand years of gold ornaments and trinkets being gathered together as a safe haven for someones wealth and a protection against the then documented political unrest of the time.

The economy is in a precarious state which is reflected in the US dollars continuing devaluation and the gold bear market, which is now 12 years long and shows no sign of slowing. For investors in gold bullion products, just like in the distant past it is a safe and tangible asset to hold.

The modern era of gold investment and the free gold exchange began in the late dark days of 1974 when a little political skulduggery legalized the ownership of gold in private investors hands for the first time in well over four decades. Although it started with a trickle at first, the floodgates were well and truly opened, and by 1990 the entire gold and silver bullion and certified coin dealing business had become a bit of a feeding frenzy. Many investors got their fingers burned through lack of knowledge of this particular market and there were some really vicious sharks waiting to eat alive the unsuspecting punter and investor.

Fortunately all of that changed with the inception of the Certified Gold Exchange which from day one of trading earned and has kept a continuous A+ rating with the Better Business Bureau, serving only to offer investors an honest and level platform for gold investment advice and a place where honest above board deals can be conducted.