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><channel><title>Free Article Directory &#187; Business</title> <atom:link href="http://www.articleslane.com/category/business/feed/" rel="self" type="application/rss+xml" /><link>http://www.articleslane.com</link> <description>Submit Articles - Get Free Content</description> <lastBuildDate>Sat, 08 Jan 2011 11:52:17 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.2.1</generator> <item><title>Biometric / Fingerprint Time Recorder to Monitor the Employee Attendance</title><link>http://www.articleslane.com/biometric-fingerprint-time-recorder-to-monitor-the-employee-attendance/</link> <comments>http://www.articleslane.com/biometric-fingerprint-time-recorder-to-monitor-the-employee-attendance/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:11:42 +0000</pubDate> <dc:creator>ssbabudilip</dc:creator> <category><![CDATA[Human Resources]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19637</guid> <description><![CDATA[<p><strong>Introduction:</strong></p><p>In any company it is very important to monitor the employee’s attendance for accurate payroll &#38; discipline.</p><p>In older days companies are using manual punch card to record the employee’s attendance. In punch card machine employees can easily do&#8230;</p>]]></description> <content:encoded><![CDATA[<p><strong>Introduction:</strong></p><p>In any company it is very important to monitor the employee’s attendance for accurate payroll &amp; discipline.</p><p>In older days companies are using manual punch card to record the employee’s attendance. In punch card machine employees can easily do the proxy attendance for others. Especially in the companies where there is more overtime involved it is very critical to record the employees IN &amp; OUT time accurately.</p><p>Also at the end of the month the payroll officer need to calculate the daily overtime day by day for all the employees. It is very time consuming and lot of manual errors may happen.</p><p><strong>Biometric / Fingerprint Time Recorder:</strong></p><p>It is very efficient to have a fingerprint time recorders to track the employees attendance instead of having manual punch card. The biggest advantage of using the fingerprint system is the employees can’t do the buddy punching (making proxy attendance for other employees). </p><p>Usually in most of the fingerprint time recorders, Up to 3 fingers per employee can be registered. While doing attendance the employee can use any one of the finger to do clocking. The purpose of registering 3 fingerprints is, if any one finger has problem due to injured / cut / dirty then the employee can use alternative finger. So it is better to have a fingerprint time recorder with higher capacity. Usually the time recorder will have the capacity of 1500 / 3000 / 5000 fingerprint templates. </p><p>It takes about one second to verify the employee finger, once verified the employee id, Date &amp; time will be recorded into the device internal memory. Also it is good to have a device which can store more records. In general most of the fingerprint time recorder can store 20,000 / 30,000 / 50,000 records. Once the records reach the limit the new record will automatically overwrite the very first record. Those records can be downloaded to the <strong>Time Attendance</strong> Software via built-in <strong>Network card or via Thumb Drive.</strong><strong> </strong></p><p><strong>Time Attendance Software:</strong></p><p>Information from fingerprint time recorder can be transferred to the Time Attendance Software which will calculate the useful information like Lateness, Overtime, allowances, etc&#8230;  </p><p>Usually the time attendance software will have the option to create multiple shift patterns like morning shift, afternoon shift, night shift, etc&#8230; </p><p>Good software should come with nicely designed useful reports like Daily attendance report, Individual attendance report, consolidated reports which consolidates the late comers, Early Leavers, Absents &amp; missed out punching, Lateness summary report and Working hour’s summary report. </p><p>The working hour summary report usually will have the monthly lateness, early leaving &amp; overtime worked by the employees. This summary report is very much good enough to calculate the employees overtime pay together with the salary.</p><p><strong>Conclusion:</strong></p><p>It is good to have a biometric time recorder for employee attendance monitoring which enables fast &amp; efficient payroll calculation.<span> </span></p><p>Resources:</p><p><strong>The writer is a Director of a software company <a
title="integrated one database solution for Payroll, Leave, HR, time attendance software’s and Biometric time recorder for employee attendance." href="http://www.info-tech.com.sg" target="_self">Info-tech Systems Integrators Pte Ltd</a> provides integrated one database solution for Payroll, Leave, HR, time attendance software’s and Biometric time recorder for employee attendance. Please visit his company web sites below for more details.</strong></p><p><a
title="Time Recorder | Biometric Time Attendance | Biometric Door Access | Biometric Access Control" href="http://www.info-tech.com.sg/biometric-biofinger1.htm" target="_self">http://www.info-tech.com.sg/biometric-biofinger1.htm</a></p><p><a
title="Biometric Door Access | Biometric Access Control | Biometric Time Recorder | Biometric Attendance " href="http://www.info-tech.com.sg/fingerprint-bioaccess1.htm" target="_self">http://www.info-tech.com.sg/fingerprint-bioaccess1.htm</a></p><p><a
title="Fingerprint Time Recorder | Fingerprint Time Attendance | Fingerprint Door Access | Fingerprint Access Control " href="http://www.fingerprint.com.sg" target="_self"> http://www.fingerprint.com.sg</a></p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/biometric-fingerprint-time-recorder-to-monitor-the-employee-attendance/feed/</wfw:commentRss> <slash:comments>1</slash:comments> </item> <item><title>What Is Payroll Software? &#8211; Singapore Payroll Basic &amp; Requirement</title><link>http://www.articleslane.com/what-is-payroll-software-singapore-payroll-basic-requirement/</link> <comments>http://www.articleslane.com/what-is-payroll-software-singapore-payroll-basic-requirement/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:11:41 +0000</pubDate> <dc:creator>ssbabudilip</dc:creator> <category><![CDATA[Human Resources]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19631</guid> <description><![CDATA[<p><strong>What Is Payroll Software?</strong></p><p>Payroll software is the one which computes the employee salaries every month. The employee may be paid by hourly rate / daily rate/ monthly fixed salary. The employee may have some additions and deductions in every&#8230;</p>]]></description> <content:encoded><![CDATA[<p><strong>What Is Payroll Software?</strong></p><p>Payroll software is the one which computes the employee salaries every month. The employee may be paid by hourly rate / daily rate/ monthly fixed salary. The employee may have some additions and deductions in every month like overtime pay, daily allowances, advance payment, medical claim, special allowance, etc… And the employee unpaid leave, lateness &amp; early leaving pay needs to be deducted from his salary. </p><p>Every month the payroll software should able to generate the pay slip for the employees. And payroll software must have useful management reports like, Monthly Salary Summary Report, Overtime Payment Report, Taxation Report, Yearly Summary Report, and Monthly Reconciliation Report. </p><p>And different countries have their own computation for taxation &amp; provident funds. So the payroll system should comply with the local government regulation for salary calculation.</p><p><strong>Payroll for Singapore:</strong></p><p>Payroll in Singapore country should be complying with Singapore government regulations as below. </p><p><strong>CPF &#8211; CENTRAL PROVIDENT FUND: </strong></p><p>An employee who is Singaporean / permanent resident of Singapore must contribute CPF to the CPF board. The CPF amount comprises of employer &amp; employee contribution. There are different percentage of calculation based on the employee salary and age. The information can be found in CPF BOARD website. </p><p><strong>Ethnic Funds: (SINDA / CDAC / MBMF / ECF):</strong></p><p>Based on the employee ethnic group there is a need of ethnic fund needs to be contributed by the employee. This contribution amount will be deducted from the employee salary every month and this fund directly goes to the relevant ethnic group welfare. The ethnic funds are SINDA (for Indians) CDAC (for Chinese), MBMF (for Malays), ECF (for Eurasians). The contribution amount will vary depends on the employee salary. The information can be found at the relevant ethnic group web sites.</p><p><strong>SDL- (SKILL DEVELOPMENT LEVY):</strong></p><p>This levy must be paid for all the employees working in Singapore. Currently the SDL is 0.25% for salary up to S$4500 (as of 2010). This amount must be paid by the employer to the SDL board. The SDL board uses this fund to provide subsidy for employees training programs / upgrade skills, etc… Usually there are many training courses will be run by SDL approved vendors. A company can able to get up to 90% subsidy from SDL board while the company sends their employees for training. </p><p><strong>FWL- (FOREIGN WORKERS LEVY):</strong></p><p>This levy must be paid by employer for the foreign workers working in their company based on the worker skill level. Currently (as of 2010) LOW / MEDIUM /HIGH levels of levy need to be paid by the employer. The levy amount can be found from the FWL website. </p><p><strong>Income Tax:</strong></p><p>Based on the employee salary, income taxes are needed to be paid by the employee. Currently Singapore income tax board makes mandatory condition that the employer must submit their employee’s yearly income details to the income tax board directly which is called auto inclusion. There are various forms like <strong>IR8A, IR21, IR8S, APPENDIX-A</strong> needs to be submitted based on the requirement. </p><p><strong>National Service:</strong></p><p>It is mandatory that the all eligible Singaporean &amp; permanent resident must go for the national service on request. During the national service period the employee salary will be paid by the government (MINDEF – Ministry of Defense) and the relevant CPF must be paid by the employer. </p><p><strong>Leaves – (Annual Leave, Medical Leave, Child care Leave, Maternity Leave):</strong></p><p>There are certain types of leaves mandatorily provided as employee’s benefit. Like annual leave (7 days), Medical Leave (14 days), Child care Leave (6 days for Singaporean &amp; 2 days for non Singaporean), Maternity leave (60 days) </p><p><strong>Payroll Software for Singapore:</strong></p><p>Payroll software suitable for Singapore should have all the above features built-in. In addition to that a good payroll software for Singapore should have the below additional features. </p><p><strong>Remainders: </strong></p><p>There are many foreigners working in Singapore. Those foreigners having work permit pass / employment pass / professional pass. Usually this passes is valid for certain years.  So the payroll software should show the remainders when it is due.</p><p><strong>Online Bank GIRO:</strong></p><p>For employee salaries Writing cheques / paying cash are very outdated. The payroll software should able to generate the interface file to the banks with their employees’ salary details. Then the bank can directly credit their salaries to their account. </p><p><strong>Multi Company:</strong></p><p>There are companies having subsidiaries as well. So the payroll software should be capable to create multiple companies records in the system and the reports must be separated accordingly. </p><p><strong>Concurrent Multi User Access &amp; User Rights:</strong></p><p>Payroll is always in-charged by the HR department and there may be more than one HR user accessing the system. And company bosses also want to access the system directly without always depend on the HR executive reports. So the payroll software should have concurrent multi accessing capabilities with different access rights. </p><p><strong>Backup &amp; Restore</strong></p><p><strong>Audit Trial – </strong>To monitor the changes done by other users<strong></strong></p><p>Reports like 1. Payroll Summary report, 2. Year to Date Summary Report, 3. Overtime Summary Report, 4. Reconciliation / Salary comparison Report, 5. Allowance / Deduction Report, 6. Custom Report Writer to generate the reports needed by the user.</p><p> <strong>Conclusion:</strong></p><p>Singapore Government insists to have all kind of employee related transaction like income tax, provident fund, ethnic fund contribution, Skill Development Levy, Foreign Workers Levy, etc… via online rather than paper / manual. Also as per government law a company should keep all those payroll records at least for 7 years for audit checking.</p><p>It is very difficult to do all those kind of calculation &amp; transaction by manual and keep all the papers. It becomes mandatory than important to have the payroll software in any company for efficient &amp; accurate payroll processing.</p><p>Resources:</p><p><strong>The writer is a Director of a software company <a
title="integrated one database solution for Payroll, Leave, HR, time attendance software’s and Biometric time recorder for employee attendance." href="http://www.info-tech.com.sg" target="_self">Info-tech Systems Integrators Pte Ltd</a> provides integrated one database solution for Payroll, Leave, HR, time attendance software’s and Biometric time recorder for employee attendance. Please visit his company web sites below for more details.</strong></p><p><a
title="Payroll | Payroll Software | Payroll System | HR Software | HR System | Singapore Payroll" href="http://www.info-tech.com.sg/payroll.htm" target="_self">http://www.info-tech.com.sg/payroll.htm</a></p><p><a
title="Payroll - Payroll Software System integrated with Biometric time recorder, Time Attendance, Payroll, and HR software's" href="http://www.payroll-singapore.com.sg" target="_self">http://www.payroll-singapore.com.sg</a></p><p><a
title="Payroll Software System | Fingerprint Time Recorder | Fingerprint Time Attendance | Fingerprint Door Access Control" href="http://www.fingerprint.com.sg/payroll.html" target="_self">http://www.fingerprint.com.sg/payroll.html</a></p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/what-is-payroll-software-singapore-payroll-basic-requirement/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Impossible trade war in China and American</title><link>http://www.articleslane.com/impossible-trade-war-in-china-and-american/</link> <comments>http://www.articleslane.com/impossible-trade-war-in-china-and-american/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:11:09 +0000</pubDate> <dc:creator>goodscool</dc:creator> <category><![CDATA[Business]]></category> <category><![CDATA[China trade]]></category> <category><![CDATA[RMB exchange]]></category> <category><![CDATA[trade war]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19591</guid> <description><![CDATA[<p>The house of representatives U.S. congress raising committee on September 24, voted through HR2378 bill. This bill is obviously the benign development of sino-American trade solution, more unfavorable imbalance. So, this act will be in the U.S. congress next gained&#8230;</p>]]></description> <content:encoded><![CDATA[<p>The house of representatives U.S. congress raising committee on September 24, voted through HR2378 bill. This bill is obviously the benign development of sino-American trade solution, more unfavorable imbalance. So, this act will be in the U.S. congress next gained through deliberation, offering the government really Obama will adopt and implement through? RMB exchange rate in the next few months and will be presented to the situation? Phoenix net finance and economics and exclusive telephone connection commerce department international trade institute vice President LiYuShi.</p><p>The bill of HR2378 is putted forward by American democrat Tim Ohio costar (Tim Ryan) in 2009, May 3. The background is that China&#8217;s currency manipulation Democrats to an American downturn. The aim is to act in 1930, the tariff act, make a series of revision, the main content is formulated overvaluation/underestimate standards. The bill provided 4 criterias, any countries meet one of them can be considered the overvaluation/underestimated, then there may be regarded as currency manipulator. The four respectively are: (1) in the past 18 months of actual and effective underestimated exporter/overrated 5% above. (2) the governments of exporters intervene exchange rate of market intervention. (3) exporters come up with surplus/trade deficit recent obvious and lasting that related to the American current-account. (4) foreign-exchange of exporter reserves greater or less than the next year foreign debt total. The bill would also suggest that some countries with the above criteria once considered overvaluation/underestimated, America has the right to implement anti-dumping allowance or anti-dumping duties. At the same time, the bill would also state or infringes to WTO regulations.</p><p>LiYuShi said, this is a typical &#8220;ego&#8221; act, not offensive in the United States after all procedures, the possibility of passing is implementation.</p><p>The American.-china economic structure and development situation of economic dependency have let each other and high degree of unprecedented. U.S. manufacturing of GDP has less than 15%, even on transportation etc. also is less than 20% of GDP, if Americans don&#8217;t imports from China, also go to other emerging economies imports. But China&#8217;s manufacturing industry development level compared to other emerging economies, the advantage is obvious, more and more Chinese enterprises and foreign goods not only, and the quality is good, the cost performance is very high. Abandon choice, there is no benefits for America. Besides, the world economy is no longer the American time. For this, most persons of American political circles is very clear.</p><p>&#8220;The world is no completely free foreign exchange, and no foreign intervention government.&#8221; Since the Nixon announced the dollar unhook gold, global monetary system has no value scale, and there is no lever that to restrain governments that of issuance of paper money, lever should not be limited government intervention. Apart from recent Japanese government directly from intervention of arbitrary behavior, it is the United States government directly from intervention, the behavior is not little. By exchange rate doesn&#8217;t solve <a
href="http://www.goodscool.com/"><strong>global trade</strong></a> imbalances, more can&#8217;t solve the unbalanced economic structure. Come up with the currency manipulator, but more is a kind of political wrist and tricks.</p><p>About the future of the RMB exchange rate, LiYuShi dean estimates, appreciation does not exceed 3 years. Phoenix nets financial channel from September 22 to launch RMB exchange rate, by Internet survey report on September 25 Japanese, the former users have 2,7291 40.8%, who estimates that by 2010 year RMB appreciation does not exceed 3%, there are  22% to select appreciation in year to 3-5%, Select more than 20% of the accounts for only 9.4 %. RMB appreciation for the year, 53.9% approve now small incremental and keep controllable situation, 26.2% net friends choose to increase elasticity, fluctuate along with market changes in controllable scope, and the choosing of a one-off revaluation increase interval in this year is only 6.6%. In short, most net friends’ ideas are the same as Li essentially.</p><p>&#8220;The possibilities of the big trade war within American- <a
href="http://www.goodscool.com/"><strong>China trade</strong></a> are very small.&#8221; LiYuShi is very optimistic. From: <a
href="http://www.goodscool.com/"><strong>wholesale electronics</strong></a></p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/impossible-trade-war-in-china-and-american/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Finding The Right Professional medical Assistant Work For you</title><link>http://www.articleslane.com/finding-the-right-professional-medical-assistant-work-for-you/</link> <comments>http://www.articleslane.com/finding-the-right-professional-medical-assistant-work-for-you/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:10:18 +0000</pubDate> <dc:creator>JoeStevens</dc:creator> <category><![CDATA[Careers]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19579</guid> <description><![CDATA[<p>Having a health-related career comes with a sure quantity of career security for quite a few people. It really is an sector that is certainly consistently expanding and will always be all around no matter what the state with the&#8230;</p>]]></description> <content:encoded><![CDATA[<p>Having a health-related career comes with a sure quantity of career security for quite a few people. It really is an sector that is certainly consistently expanding and will always be all around no matter what the state with the economic climate is.  You don&#8217;t must develop into a physician or maybe a nurse to possess a satisfying work, there are truly numerous various kinds of medical discipline careers.</p><p>These jobs vary from medical administrative assistant to x-ray technicians. One among the positions inside the wellbeing consideration industry which is increasing faster than many several other industries is medical associate careers.</p><p><a
href="http://medical-wiki.com/forensic-nursing/forensic-nursing-jobs-how-to-find-one/">forensic nurse jobs</a></p><p>So precisely what can be a health care helper? Properly, professional medical helper duties differ from administrative tasks to health-related tasks such as taking blood. The healthcare associate position description varies depending about the distinct healthcare assistant work it&#8217;s possible you&#8217;ll have.</p><p>To start out a healthcare helper career you may take into account joining a professional medical helper plan. These programs will give you the instruction and experience you should become a licensed health care assistant.</p><p>You&#8217;ll find so quite a few several types of well being proper care services that involve health-related assistants. Medical assistants are generally less expensive than health professionals and nurses and in this economy they may be starting to become in significantly higher need. So good quality candidates shouldn&#8217;t have a very tough time discovering health-related associate work.</p><p>You&#8217;ll be able to actually verify this information to the governments department of labor statistics web site. They exhibit that this area is increasing sooner than average. The internet site as well reveals the salary of wellness treatment assistants. The details can be quite precise as you will see which type of workplaces spend precisely what. Furthermore it is possible to tel which cities possess the highest concentrations, etc.</p><p>I hope you could observe it is often a myth that you must go to healthcare college to have a health-related vocation. This is just basically not the situation! However, if you do desire to pursue other careers which include becoming a medical professional or maybe a nurse, becoming a professional medical associate is often an incredible technique to get priceless knowledge. This knowledge may enable you to comprehend all elements of running a healthcare workplace at the same time because the client practical experience.</p><p><a
href="http://medical-wiki.com/ekg-technician/ekg-technician-programs-enroll-in-the-best/">EKG technician programs</a></p><p>You can inform if you stroll into your doctor&#8217;s company how numerous men and women it requires for making the company run easily. You&#8217;ve got receptionists, insurance plan professionals, healthcare transcriptionists, billers and coders, lab technicians, and so forth. Hospitals, doctors workplaces, insurance coverage firms, schools, and several many other organizations rent professional medical pros to support these operate their offices.</p><p>So that you can witness that having a medical profession could be really promising. It can be advisable that you study the various kinds of sectors. For illustration, could you prefer to work in a very dentist&#8217;s office environment or possibly a plastic surgeon&#8217;s workplace? You&#8217;ll be able to alter your coaching in a very program to uncover employment inside the workplace sort of your selection.</p><p>The those who get plenty of fulfillment out of his or her careers from the health care area can be individuals that appreciate assisting people and can be compassionate. This really is due to the fact you may be interacting having individuals. And as is usually expecting, individuals usually are normally sick and maybe anxious or in an in any other case susceptible state of mind. It will take an entire employees in a doctor&#8217;s workplace to ensure that the affected individual is calm and acceptable for the well being consideration you&#8217;re wanting to provide.</p><p><a
href="http://www.medical-wiki.com">Medical</a> delivers loads much more facts on your viewing pleasure.</p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/finding-the-right-professional-medical-assistant-work-for-you/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Individual Swifts from IGMswift.com makes possible your organization to operate</title><link>http://www.articleslane.com/individual-swifts-from-igmswift-com-makes-possible-your-organization-to-operate/</link> <comments>http://www.articleslane.com/individual-swifts-from-igmswift-com-makes-possible-your-organization-to-operate/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:55 +0000</pubDate> <dc:creator>ScottGreenblat</dc:creator> <category><![CDATA[Business]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19561</guid> <description><![CDATA[<p>Transacting your exchange transactions in the current economic conditions is not always basic.  Each side of any business deal has the possibility of the counter-agent not being valid.  In the past, banking relationships were used to support the wherewithal of&#8230;</p>]]></description> <content:encoded><![CDATA[<p>Transacting your exchange transactions in the current economic conditions is not always basic.  Each side of any business deal has the possibility of the counter-agent not being valid.  In the past, banking relationships were used to support the wherewithal of each side.  Now, banks are less co-operative and unwilling to provide the support.  Some groups, even those who are willing and able to do business have seen their balance sheet suffer in the downturn.  How are these groups able to determine authentication via a reliable system such as <a
href="http://www.igmswift.com">Individual Swifts</a><br
/> What Does Society for Worldwide Interbank Financial Telecommunications &#8211; SWIFT Mean?<br
/> An industry owned co-operative supplying secure messaging services and interface software to financial institutions.  SWIFT encompasses over 7,000 financial institutions in 192 countries.<br
/> To understand what you might require it is important to understand the basic tools used.  A bank guarantee is a guarantee from a lending institution ensuring that the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank will cover it.  A bank guarantee enables the customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand business activity.   A letter of credit is a letter from a bank guaranteeing that a buyer&#8217;s payment to a seller will be received on time and for the correct amount. In the event that the buyer is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase.  Letters of credit are often used in international transactions to ensure that payment will be received. Due to the nature of international dealings including factors such as distance, differing laws in each country and difficulty in knowing each party personally, the use of letters of credit has become a very important aspect of international trade. The bank also acts on behalf of the buyer (holder of letter of credit) by ensuring that the supplier will not be paid until the bank receives a confirmation that the goods have been shipped.   A standby letter of credit is an a guarantee of payment issued by a bank on behalf of a client that is used as &#8220;payment of last resort&#8221; should the client fail to fulfill a contractual commitment with a third party. Standby letters of credit are created as a sign of good faith in business transactions, and are proof of a buyer&#8217;s credit quality and repayment abilities. The bank issuing the SLOC will perform brief underwriting duties to ensure the credit quality of the party seeking the letter of credit, then send notification to the bank of the party requesting the letter of credit (typically a seller or creditor).  It is also known as a &#8220;non-performing letter of credit&#8221;.  A standby letter of credit will typically be in force for about one year, allowing for enough time for payment to be made through standard contractual guidelines.  Standby letters of credit are often used in international trade transactions, such as the purchase of goods from another country. The seller will ask for a standby letter of credit, which can be cashed on demand if the buyer fails to make payment by the date specified in the contract. The cost to obtain a standby letter of credit is typically 1-8% of the face amount annually, but the letter can be canceled as soon as the terms of the contract have been met by the purchaser or borrower.  Trade finance is the science that describes the management of money, banking, credit, investments and assets for international trade transactions.  Companies involved with trade finance include importers and exporters, financiers, insurers and other service providers.  Trade is a basic economic concept that involves multiple parties participating in the voluntary negotiation and then the exchange of one&#8217;s goods and services for desired goods and services that someone else possesses. The advent of money as a medium of exchange has allowed trade to be conducted in a manner that is much simpler and effective compared to earlier forms of trade, such as bartering.  In financial markets, trading also can mean performing a transaction that involves the selling and purchasing of a security.  Trading is not a new phenomenon &#8211; we&#8217;ve been doing it for centuries! The trade that occurred among the most primitive humans has evolved considerably over time, and the word &#8220;trade&#8221; has come to include the complex trading that occurs on the floor of the New York Stock Exchange (NYSE).  However, the basic elements of buying and selling in some form of a market haven&#8217;t changed a bit, because ultimately, trade still involves giving one thing in exchange for another.<br
/> The problem is that all too many firms cannot get their bank to issue such instruments.  What can they do?  Often they can lease the instrument from a 3rd party.  What is a Leased Bank Guarantee?  A  bank guarantee that is leased to a third party for a specific fee. The issuing bank will conduct due diligence on the creditworthiness of the customer looking to secure a bank guarantee, then lease a guarantee to that customer for a set amount of money and over a set period of time, typically less than two years. The issuing bank will send the guarantee to the borrower&#8217;s main bank, and the issuing bank then becomes a backer for debts incurred by the borrower, up to the guaranteed amount.  Leased bank guarantees tend to be very expensive; fees can run as high as 15% of the guarantee amount every year. The fee is usually made up of an initial setup fee and an annual fee, both of which will be a percentage of the dollar amount to be &#8220;guaranteed&#8221;, or covered by the issuing bank in the event that the company can&#8217;t promptly pay its debts.  This option for financial backing is typically only used by smaller enterprises that are desperate to expand operations or fund a specific project; they will have typically exhausted other opportunities to raise financing or obtain a letter of credit from their own bank.  Many top worldwide banks will lease bank guarantees, usually with a minimum amount of $5 million to $10 million, all the way up to $10 billion and more.<br
/> Firms can now obtain these instruments cheaper and easier from third party groups who have access to more flexible terms and are able to issue these instruments much faster than old banks.  Other groups have stepped in with fast and flexible SWIFT services.<br
/> One such group is Interlink Global Messaging (www.igmswift.com) IGM provides worldwide SWIFT services to almost any firm.  Through their partner network, they can also provide the instruments.  IGM&#8217;s SWIFT is truly revolutionary and provides firms needing to work out a deal, the ability to do so.  Calling 866-883-5001 will put you in touch with their consultants who can help.  IGM provides MT799, MT760 and MT999 messages. <a
href="http://www.igmswift.com">Individual Swifts</a></p><p>http://www.igmswift.com for more intelligence.</p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/individual-swifts-from-igmswift-com-makes-possible-your-organization-to-operate/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>An overview on trash bags</title><link>http://www.articleslane.com/an-overview-on-trash-bags/</link> <comments>http://www.articleslane.com/an-overview-on-trash-bags/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:54 +0000</pubDate> <dc:creator>JamieHanson</dc:creator> <category><![CDATA[Industrial]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19552</guid> <description><![CDATA[<p>Trash bags are one of the common household items. They offer plenty of benefits; which can be reaped by just anyone. Certain advantages of these bags are realized only when you put in great deal of thought and efforts while&#8230;</p>]]></description> <content:encoded><![CDATA[<p>Trash bags are one of the common household items. They offer plenty of benefits; which can be reaped by just anyone. Certain advantages of these bags are realized only when you put in great deal of thought and efforts while the other benefits are inbuilt in the product.</p><p>The best thing about these bags is that they are versatile in use. Though the prime purpose of a small or an extra large trash bag is to act as refuse container; yet they can be used in a number of ways. You can create wonderful costume like that of a witch&#8217;s dress by utilizing drawstring trash bags. You can even use these bags for transporting your clothes to the laundry mat. Yet another great benefit a trash bag offers is that it can become a raincoat. All you have to is cut out a hole big enough so that your head fits through.</p><p>These bags generally are available in small roll; even the large trash bags come in roll. This makes storage quite easy. You can store these bags in a cabinet, under your sink or on even on a shelf. When you are travelling; trash bags can fit easily in your luggage. For instance if you are going out for camping; you can fit in a roll of these bags into your backpack. If you are travelling by road then you can keep them under your car seat. This way you can easily get them when you require to collect the trash accruing in your car.</p><p>Lot of trash bags available in the market are earth friendly. These kinds of bags are produced from plastics which degrade in air, water or dirt. You can read packaging information to know whether the trash bag is made up of biodegradable polymers.</p><p>Trash bags are without doubt a necessity for every household. If you want to buy good quality trash bags at reasonable rates online then I would advise you to check out Plasticplace.net. This online store retails out an extensive range of trash bags. All their black bags are produced from over ninety percent recycled material. Whether you are looking out for extra large garbage bags or extra large trash liners; you will get it all here. In addition to trash bags; they also vend out contractor bags, shopping bags, zip bags, poly bags and much more.</p><p>For more information please click here <a
href="http://www.plasticplace.net/productlist/Garbage-Bags----Black/2/">extra large trash bags</a></p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/an-overview-on-trash-bags/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Refinancing Your Mortgage</title><link>http://www.articleslane.com/refinancing-your-mortgage/</link> <comments>http://www.articleslane.com/refinancing-your-mortgage/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:54 +0000</pubDate> <dc:creator>JamieHanson</dc:creator> <category><![CDATA[Business Finance]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19554</guid> <description><![CDATA[<p>It is quite a common situation when a person has a home mortgage and is struggling to pay it off, however it is too hard and one just manages to make the ends meet. Taking into consideration that the term&#8230;</p>]]></description> <content:encoded><![CDATA[<p>It is quite a common situation when a person has a home mortgage and is struggling to pay it off, however it is too hard and one just manages to make the ends meet. Taking into consideration that the term of repayment can last up to 30 years one has to take some measures in order to improve somehow the situation.</p><p>For those who don&#8217;t understand what refinancing is, it is worth reminding that it is a kind of the second mortgage issued to those who are unable to pay off their existing loan. Refinancing is a great way of saving providing some beneficial terms and conditions for the clients.</p><p>One of the ways out of this deadlock is the refinancing your home mortgage. Unfortunately by this time your credit history is quite bad, however you have a perfect chance to get the refinancing. It has quite a lot of benefits. On the one hand a refinancing can help you clear your current debt and give you a perfect choice to either have a good holiday or repair your dwelling. With the help of refinancing one gets the possibility to accumulate all current payments into one amount and in such way make life more easily manageable.</p><p>Though it may seem like you salvation and solution of all existing needs one has to be very careful about the decision of refinancing your home mortgage. Think if you are going to stay in the same house all time till you pay your loan back. However if you are planning to own this property for more than 7 years this type of mortgage is ideal for you.</p><p>The refinancing decision can take a long time as everything has to be balanced One has to learn your history very carefully, carefully; even it is going about the bad credit story. That is why the process is dragged. It is necessary to select the best type of mortgage refinancing. Sometimes the conditions can be changed even during the term of repayment.</p><p>Need help with <a
href="http://www.americanwideloans.com/du_refi_plus.php">DU Refi Plus</a> &#8211; call this company and they will provide you with <a
href="http://www.americanwideloans.com/du_refi_plus.php">Refi Plus</a></p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/refinancing-your-mortgage/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Compare Student Loan Consolidation &#8211; Choose The Best Student Loan That Suits Your Need</title><link>http://www.articleslane.com/compare-student-loan-consolidation-choose-the-best-student-loan-that-suits-your-need/</link> <comments>http://www.articleslane.com/compare-student-loan-consolidation-choose-the-best-student-loan-that-suits-your-need/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:54 +0000</pubDate> <dc:creator>JamieHanson</dc:creator> <category><![CDATA[Business Finance]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19555</guid> <description><![CDATA[<p>When a student borrows money from various sources he can opt for the refinancing and go for the student loan consolidation program. This consolidation program does not want any co-signer or credit check on students and their parents. You can&#8230;</p>]]></description> <content:encoded><![CDATA[<p>When a student borrows money from various sources he can opt for the refinancing and go for the student loan consolidation program. This consolidation program does not want any co-signer or credit check on students and their parents. You can consolidate the borrowings during the loan tenure or within the grace period of six months.</p><p>This program allows the student to repay on a longer term with lower repayment amount. This method allow the student to repay the loan with ease and also meet his daily expenses. Moreover, the scheme permits for premature repayment without any further penalty. Consolidation provides a fixed interest rate. The consolidation program provides the chance to students to choose the affordable re-payment plan<br
/> considering their monthly earnings.</p><p>This is a single door repayment plan that consolidates all the federal loans into a single loan. As a matter of fact study loans are required to avail quality education. Many students fail to afford such big amount and thus depend on various borrowing scheme. At present, student loans are available devoid of co-signer unlike past restriction where the requisite of co-signer was necessary.</p><p>Student loan with no co-signer is also available online. This requires fulfilling the necessary information in detail and the money is deposited in your account. Private borrowing schemes are also available for study but their interest is higher then the federal schemes. The student loan with no co-signer allows you to repay according to the plan you select. The interest rates are lower then other private options. Studentsloanconsolidationprograms.com is experienced and reliable online expert on loan consolidation. Students are benefited with their guidance.</p><p>Consolidation possibility is available up to 25 years and is easier, as you can avail the service of customer care, which is available 24 hours. Low income group get an easier study loan from the federal government with less interest then the private lenders. However, it is not possible to merge the private borrowings in federal loan consolidation program but federal borrowings can be consolidated with the private lender. This option may be avoided if possible.</p><p>Loan consolidation is necessary when you have borrowed money from several sources to fund your educational need. Different lenders have different interest rates and terms of repayment that may occur at different days of the month. This puts a student is anxiety and thus he devotes much of his time worrying how to repay the installments on different days, rather than focus on his studies or job.</p><p>If you consolidate the different borrowings you have to repay on a single date. Thus you have to pay once a month to particular financier. The method provides low interest, easy repayment and installment. The person can get rid of the debt trouble faster through consolidation than by other means. You should contact studentsloanconsolidationprograms.com who will advice and help in the consolidation process|Advice and help from studentsloanconsolidationprograms.com is the best way}.</p><p>To know more about the program for <a
href="http://www.studentsloanconsolidationprograms.com/student-loan-consolidation">Student Loans Consolidation</a> and to avail <a
href="http://www.studentsloanconsolidationprograms.com/student-loans-without-cosigner">Student Loans Without Cosigner</a> visit our website at studentsloanconsolidationprograms.com</p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/compare-student-loan-consolidation-choose-the-best-student-loan-that-suits-your-need/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Article marketing guide</title><link>http://www.articleslane.com/article-marketing-guide/</link> <comments>http://www.articleslane.com/article-marketing-guide/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:41 +0000</pubDate> <dc:creator>JamieHanson</dc:creator> <category><![CDATA[Business]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19548</guid> <description><![CDATA[<p> Do you ever noticed that online businesses face more success than other businesses and they even draw more buyers? The clarification for this is because most businesses today use the internet to advertise and market their services because most&#8230;</p>]]></description> <content:encoded><![CDATA[<p> Do you ever noticed that online businesses face more success than other businesses and they even draw more buyers? The clarification for this is because most businesses today use the internet to advertise and market their services because most buyers get interested and visit their company websites. There are many ways to use to publicize these online sites and acquire lots of consumers online. This article can offer you an idea on what article marketing is actually about and how it can help carry a lot of benefits to the company.</p><p>Article marketing consists of making brief articles about issues concerning the businessâ€™products and deals. These articles about the company have linkages to the companyâ€™s website where the customers can find a lot of information about the company and make their purchases there. These articles are distributed in many sites in the web where buyers can read them. This is truly an effectual method for a business that desires to promote on the web and get known.</p><p>Article marketing is performed in order to enhance the companyâ€™s dependability. These articles can draw new buyers to the businessâ€™ site as well, most especially buyers who are concerned in purchasing the companyâ€™s goods and products. The theme of the article is generally noted down by two people: the site owner and the businessâ€™ products and services. The articles must include keywords that are significant to the business so that the articles can be the most efficient website marketing tools.</p><p>In addition, free directories are also accessible for website possessors to distribute the articles to the common people. The directories are called authority sites by search engines so they receive top ranks on the results of search engines. Because of this, article marketing offers content and a large number of traffic to the internet site. If multiple directories obtain the content, there has to be assurance that the subject does not go beyond a particular extent.</p><p>Articles are sometimes obtained in approaches like internet promotional techniques and search engine optimization. Because there is cash produced due to the traffic created towards the website, the company marketing campaign ought to have an allocation of funds to support these kinds of techniques. As soon as there are more credible customers visiting the site, there will also be more sales.</p><p>Accurately, article marketing is very efficient in establishing a business that serves authorization on a subject that is related to its aim. Whether it is written by the possessor of the site or an expert on that field, the articles are published for free on internet directories. These directories online can be freely read by the the people. In the website, the links act as a guide for the readers to see the company website where they can see added information and buy some of the goods and products of the company.</p><p>Find out more about article marketing and why you should use an <a
href="http://www.submitangel.com">article submission service</a> to distribute your articles.</p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/article-marketing-guide/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>The use of Subliminals in Advertising and Marketing</title><link>http://www.articleslane.com/the-use-of-subliminals-in-advertising-and-marketing/</link> <comments>http://www.articleslane.com/the-use-of-subliminals-in-advertising-and-marketing/#comments</comments> <pubDate>Mon, 04 Oct 2010 05:09:01 +0000</pubDate> <dc:creator>jbrackin</dc:creator> <category><![CDATA[Business]]></category><guid
isPermaLink="false">http://www.articleslane.com/?p=19505</guid> <description><![CDATA[<p>James Vicary caused a public outcry when he suggested in 1957 that people could be influenced by subliminal advertising. He claimed that a study in which moviegoers watching a film called Picnic were repeatedly exposed to 0.03-second advertisements for Coca-Cola&#8230;</p>]]></description> <content:encoded><![CDATA[<p>James Vicary caused a public outcry when he suggested in 1957 that people could be influenced by subliminal advertising. He claimed that a study in which moviegoers watching a film called Picnic were repeatedly exposed to 0.03-second advertisements for Coca-Cola and Popcorn, expanded onsite sales by 58% and 18%. Since the revelation of his investigation the effect of subliminal messages in marketing has been hotly contested. A CIA appraisal of hypnotic messages titled &#8216;The Operational Potential of Subliminal Perception&#8217;, suggested that &#8216;Certain individuals can at certain times and under certain circumstances be influenced to act abnormally without awareness of the influence&#8217;. Because of this, hypnotic messages were effectively illegal in the US when the FCC ruled that the use of subliminal cuts could result in the loss of a broadcast license. In the UK and Australia subliminal advertising was also banned, so it has been impossible to verify Vicary&#8217;s early claim for certain. Until recently.</p><p>To celebrate its 50th anniversary, the Vicary experiment was replicated at the International Branding Conference, MARKA2007 as part of the Hypnosis, Subconscious Triggers and Branding presentation. The 1,400 delegates watched a few minutes of the movie used in the earliest experiment, PICNIC into which hypnotic messages had been placed at six second intervals. Then, the delegates were asked to choose between two fictitious brands. One brand &#8216;Delta&#8217; had been suggested using the hypnotic messages and the other &#8216;Theta&#8217; had not.</p><p>The effects were startling as, 81% of the audience chose &#8216;Delta&#8217; in preference to &#8216;Theta&#8217;. This suggests a convincing substantiation of Vicary&#8217;s results. &#8216;Even though this technique is 50 years old, variations of the original techniques are still being used in advertising today, this demonstrates the powerful influence of subliminal messages&#8217; the demonstration demonstrated. &#8216;The subliminal cut was the mother of all hypnotic techniques and today her children walk all around you. They are everywhere, in posters, press advertising, on the radio and the T.V. They are the permissible siblings of an outlawed parent.&#8217;</p><p>Actual, current examples were then revealed of the three most common hypnotic techniques present in marketing today. Each example was chosen because of its spontaneous recall amongst the public and its ability to dramatically increase sales. The first was the most watched advert on youtube in 2007, the Cadbury &#8216;Gorilla&#8217;. This Cadbury&#8217;s Dairy Milk chocolate advert features a gorilla banging away on drums to a Phil Collins soundtrack. The cult advert has been observed around 10 million times on the internet claimed a chart, published by the TellyAds.com website. Commercially the ad was responsible for multiplying Cadbury&#8217;s market share by 30%.</p><p>The second example shown was the U.K&#8217;s most loved ad ever as voted by Channel 4 viewers, the Guinness &#8216;Surfer&#8217;. A classic ad from over a decade ago this ad has left its mark because it still has instant awareness and very high levels spontaneous recall amongst its target audience.<br
/> Both ads use a number of well known hypnosis and subliminal techniques to promote their products. This is by no means unusual. An analysis of the 20 most popular ads ever reveals that all of them use some form of hypnosis or subliminal techniques to sell their message.</p><p>It seems that despite early attempts to ban it, the use of hypnosis and subliminals to increase market share are widespread in advertising.</p><p>A Fellow of the Institute of Direct Marketing (IDM), Jim Brackin is Director of Insight at EspConsultancy.co.uk the <a
target="_new" href="http://www.espconsultancy.co.uk"> research and marketing</a> specialists. After a successful career in advertising and marketing Jim qualified as a Hypnotherapist, and is a Master Practitioner of Neuro-linguistics.</p> ]]></content:encoded> <wfw:commentRss>http://www.articleslane.com/the-use-of-subliminals-in-advertising-and-marketing/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel> </rss>
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