Monthly Archives: October 2015

Achieve Entrepreneur Success Get In Focus

Enlarge your entrepreneur focus and make visualizations an important part of your new daily routine. Entrepreneur success comes from having a vision, a clear mental picture of exactly what it is that you intend to realize. You have to be able to see it in your mind before you can achieve it. Imagine the outcome that you want, always focus on what you want and not the one you don’t want.

Visualise with perfect focus. Don’t just think and picture what you want in a unclear way, form the details, the feel, the colour. The more details you can place on it the clearer you will see it and the more real it becomes to you in your mind’s eye. It is without doubt one of the key critical success factors for entrepreneur success.

Most people if they would like success will generalize much too much. If you would like to have what is called success then you have to be very exact as to what you are calling success. How will you know when you have it? What will it feel like? What will you see and be when you have it? What is your measure for success? What do you need to do to achieve it?

When you take a photo and it is out of focus that photograph will permanently be hazy and out of focus. The same applies to your visualizations. When you visualise something and fail to put the details in it, it will at all times be a hazy idea without any clarity. Give your brain precise mental pictures of what you would like and your imagination will respond accordingly.

It is not about living in a dream world, it is making mental pictures of your desired outcomes. The bolder you make your images, giving them colour and making them real to you, then the more powerful you will feel towards them. Whatever you can think and believe you will be able to accomplish.

Condition yourself to expect your entrepreneur success. Almost all of the limitations that we place on ourselves are the effect of our self images. However we see ourselves, we live our life, so by changing your images you start the process of changing your self beliefs and your expectations.

Success is a habit, it is the result of developing an attitude. Attitudes are simply habits in the mind. Create your success habit in your mind, spend a few minutes each day and develop your mental picture. It is a critical success factor for your entrepreneur success.


The Accounting And Finance Bsc Degree At The University Of Southampton

The Accounting and Finance BSc degree course is designed so that you will study the core concepts and methods of financial accounting and management accounting across all three years, supplemented by appropriate topics from the field of finance.

In year one and year two of this Accounting and Finance BSc, you will study a range of subjects that provide support for more advanced study in the final year.

You will be given a range of options to help you acquire the understanding of modern theories and empirical evidence relating to accounting.

The anticipated destination of Accounting and Finance BSc graduates is management roles in a wide range of private, public and third sector organisations (including social enterprises), particularly the most innovative students.

A small number of Accounting and Finance BSc students may form their own businesses on graduation, or within a few years of graduating.

However, the intent of the programme is not to encourage too-early business formation, but to develop wider enterprising competencies that will enable employability in a range of organisations.

Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.
Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.

The University of Southamptons Management School has an enviable record for producing high-calibre graduates who move quickly into good careers soon after finishing their studies.

The latest survey of Management School graduates showed that 89% were employed or undertaking further study six months after graduating.

Employers value the quality of our programmes and recognise the skills of our graduates. Many of our graduates go on to professional training and graduate management schemes, while others begin careers in management, accounting, finance or banking.

To discover more information about the Finance and Accounting degree course at the University of Southampton, simply visit the Management Schools website at www.southampton.ac.uk/management


Loan Modification Process – A Waiting Game

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.


How to Improve the Management of Your Loan Modification and Short Sale Clients

Applying for a short sale or a loan modification can be complex and time consuming, especially when managing numerous accounts at various stages of the process. Keeping the piles of paperwork for each client organized can be extremely difficult. Loan modification and short sale attorneys face this scenario every day and understand that dealing with such a sensitive financial situation leaves no room for error. New short sale and loan modification software solutions are available which provide excellent help regarding these issues.

Since homeowners come to a loan modification or short sale attorney expecting expertise and help, the attorney needs to demonstrate those qualities and ensure the homeowner that he or she is capable of managing the short sale or loan modification. The software available to attorneys will guide them through the short sale or loan modification process and ensure all -speed bumps- are overcome. It will act as a quality checker throughout each client’s entire process, which only boosts the credibility and trustworthiness of the attorney.

Completing paperwork by hand can be exhausting and keeping it organized can become challenging especially if the lender/servicer requires updated documentation. Short sale and loan modification software will help streamline the process by saving all paperwork electronically so it can easily be accessed at a later date. This eliminates the need to hand write every form and physically file it. Some short sale and loan modification software solutions will even auto-fill all of the necessary forms, making the process faster. These features will greatly improve the management of clients for any loan modification or short sale attorney.

Loan modification and short sale softwareis designed to help any homeowner through the complicated steps while ensuring all information is complete and accurate. For this reason, it can act as a supplement to any existing programs and procedures you and your team may have in place. It is also a very cost effective way to manage a large number of clients.

Using short sale and loan modification software could be the answer to your process and management troubles. With so many homeowners in need of quality help, it is imperative that you set yourself apart and prove you are the best attorney to save their home. A simple, inexpensive software solution could mean the difference between gaining a larger clientele and losing those who trusted in your expertise.

About Home Affordable Guide The Home Affordable Guide was created in 2009 by a team specializing in helping homeowners navigate through all government and in-house mortgage help programs. The Guide was designed to simplify and educate homeowners through the entire process of applying for a loan modification or short sale in five easy steps. To learn more about how the software can help your business, please visit:


How Would You Open a Business Bank Account

One of the reasons that some business owners do not have a business bank account is because they do not know how to open business bank account. It is not uncommon for small business owners to go for years without ever needing a business account and, therefore, have no idea how to go about. There are several advantages to opening a separate business account such as being able to track spending and making tax reporting easier. It is not difficult to open your own account. Once you have a bank account for your business, you can then enjoy the benefits the account has to offer.

The first thing you need to do to open business bank account is get a business certificate. This is usually done through the licensing department of your local county government. If you call your business something other than your name, then you will need a DBA certificate which indicates that you are doing business as another name. Even if your business is called Bob Smiths Landscaping, it is still a good idea to get a DBA. When your company name is different than your business name, it helps your business to sound more legitimate and helps people to see that your business is its own entity.

Once you have your business officially registered and the piece of paper to prove it, then you can head over to the bank to open business bank account. But before you do that, you should spend time talking to different banks to get the best deal. Each bank has its own different way of administering business accounts. A business account will traditionally come with several more features than a personal account such as customized statements. Business accounts will also come with a schedule of fees that will differ from bank to bank. Take the time to find the bank that gives you the best possible deal before you decide on an institution to go with.

Spend some time becoming familiar with the features of your account once you open business bank account. As you get used to how the account works, you will begin to see all of the benefits it has to offer. After a while, you will wonder how you ever ran your business without a separate bank account.


Top 4 Banks Of Singapore And Their Requirement To Open A Account

Singapore is a commercial hub, currently there are 140 commercial and 80 merchant banks.It is always advisable before opening a bank account you must browse all information , what facilities different banks offers.There are several banks in singapore such as HSBC, citibank, abn amro, dbs , Standard Chartered etc.All these banks are famous for their customer services, you can choose any of the them.

Some of the well known Singapore Banks

United Overseas (UOB) : It is one of the best bank in singapore, has branches in Malaysia, Thailand, Indonesia and China.UOB provide a lots of services such as life assurance, general insurance, corporate finance, investment banking, commercial and corporate , private , personal financial services and asset management.

Oversea Chinese Banking Corporation (OCBC) : OCBC in Singapore was formed in the year 1932 by the merged of OCBC , Chinese Commercial Bank Limited, the Ho Hong Bank Limited and the Oversea-Chinese Bank Limited. The main aim of bank is solving the financial needs of the customers for both personal and business purposes.

Development Bank of Singapore (DBS): It is one of the top bank of singapore .DBS enjoys the top most positions in consumer banking, management of assets, securities brokerage, treasury and markets, equity and debt fund raising.It is one of the leading bank in singapore and working with a aim to solve the customer problem.

Citibank: The main branch of Citibank in Singapore is located at MacDonald House in Orchard Road. It offers full bank services and shares its ATM network with HSBC, ABN AMRO, Standard Chartered and Maybank. Citibank in Singapore is a branch of Citibank N.A of the United States.

Types of bank account in Singapore
Current accounts It is used for everyday banking. It is require a minimum balance be maintained. Interest rates paid on current accounts are mainly low

Savings accounts Basically saving accounts pay a higher rate of interest than current accounts. Savings accounts require a minimum balance to be maintained

Fixed-deposit accounts This account is used for long-term saving, with interest rates offered typically higher than either current or savings accounts.

Opening a account in singapore

In order to open a bank account you require:
1. A photocopy of your passport , it act like a Identity proof.
2.Employer’s letter : Bank only open account , if you are a resident or have an employment visa.
3.A recent phone bill
4.A copy of residence proof.
5.Initial Deposit : a intial deposit is required to deposit in the account.

Timing
Most of the banks of singapore works from 9.30 a.m to 3 p.m (Monday to friday)
9.30a.m to 11.30 on saturday.
Sunday closed.

What you get with your bank account

Services of accounts various from banks, and depending upon type of account you choose , you will recieve a cheque book, ATMcard and Network for Electronic Transfers.


Evolution of Bank Routing Numbers

Have you ever wondered what that 9 figure number is in the bottom left hand side of your bank notes? Plenty of people have this question. As a matter of fact, about 50,000 people search for routing number related terms in search engine listings every month.

The routing number is also described as a transit number or ABA number. It is comprised of a 9 figure code and it is utilized in the United States of America. The individual design of this number is to determine the depository financial institution or financial organization from which the cash referred to on the cheque is to be withdrawn.

With so many banking companies in existence nowadays, this number is very helpful to the depository financial institution taking a deposition of a check in determining where they need to get the money. It was at one time a difficult undertaking to determine where bank checks were written from. In fact, this difficulty has historically been exploited by criminals to commit fraud against banks.

Therefore, this numerical system was formulated to streamline and clarify the procedure for clearing houses and for banks. This has helped in the reliable transferal of money between banks on behalf of their clients for years now.

This system has even been developed. The serialized number makes it easier for computers to understand and apply the information and as recently as 2004 it has been used to transmit electronic bank checks also known as echecks or EFTs (electronic funds transfer). This started out with the passage of the Check 21 Act which has helped to reduce the reliance on paper bank checks by making it allowable to make digital copies of bank checks.

This handy number system dates all the way back to 1910 when the American Bankers Association (ABA) organised it to help interbank relations. It has been used ever since to help the banking industry to work smoothly.

Can you envisage trying to keep track of over 26 thousand different banking companies that issue bank checks? As a banker you would be overcome with work trying to determine where to get your money! This is precisely the problem that the ABA has successfully helped to solve since 1910.

About 26,895 routing numbers are actively put to use in the United States of America today. This is because every financial organization must have one by law. That means that every depository financial institution is required to have an ABA number assigned to them before they open their doors.

The cheque routing number is an important development in the story of banking. It has served to improve the efficiency of banks. It has assisted in improving the security of banks. It has even helped improve the manner in which we transfer money around the net.

Learn more about the check routing number system.


The 30 Day Challenge For Entrepreneur Success

The moment that you begin with your new online business you are taking the challenge and beginning a new part of your life. Entrepreneur success is about making changes to your habits and your to your thinking, so when you take the 30 day challenge with your online business you set the seeds for success in you.

Habits take about 30 days to become a part of our new way, and by building sturdy entrepreneur habits you set off the process of creating a solid foundation for yourself and for your business. Make some time in deciding what you want to do and achieve over the next 30 days in your online business.

Take the 30 day challenge and set your goals for your entrepreneur success. Make an action plan of what you will to gain knowledge of and begin to master and build an action list of what exactly you will do to develop your online business. It is the process of daily action in the pursuit of your goals that leads to business success.

The very process of starting a new business means you expect to set up a new way of life. Make the new way a way of self empowerment. By educating yourself as much as you work on your business, you will be creating the new habits that are critical factors for entrepreneur success. You can reach whatever you believe you can, and the same applies to you will fail at whatever you believe you will, so by settingstrong empowering beliefs and following your action plans you will lead yourself towards the outcomes that you want. Positive thoughts and actions are the critical success factors.

Adopt change, welcome the change that will occur. The more that you prepare the changes the more you will feel in control of what is happening. We all are happy in ourselves to the degree that we have control of what is happening around us. By organising yourself for the next 30 days you will be taking control of your new habits and actions and at the same time taking control of your new business.

Entrepreneur success is a habit, take the challenge and shape a forward momentum in your life. By changing how you see yourself and how you behave you will at the same time change how others see and believe in you. That will change the outcome with your business.