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Free Financial Reporting Consolidation Software? Does anyone know/recommend some FREE financial reporting and consolidation softwares apart from Excel and Access? Many thanks. This is NOT for personal use. I need to consolidate/aggregate several companies, mainly P/L and do some analysis.

Is there any accounting software that can cater to project and division reporting other than financial part? I am looking for a accounting software that can cater to project monitoring, divisional performance reporting and financial reporting. Is there any?

Reporting tools? (for management reporting, financial reporting, controlling reporting)? a suggestion? Hi, I would like to have some info about the most used reporting program/software/tools (for management reporting, financial reporting, controlling reporting). Which one of the following is the most requested by companies? - SAS - Business Objects - Microstrategy - Crystal Reports - Hyperion - Cognos Which one of those do you think it's the most complete, or giving such an "added value" to be more qualified in the job market? More and more often I see companies looking for people who knows such reporting software. As far as me, I don't know anyone of them, but if I had to attend a course, which one would you suggest me? I already know SAP R/3, AS 400, and JDE so I do not need to know generic ERP Thanks to everybody for your precious suggestions

What's a good, not-too-expensive financial software for managing Church financial stuffs? I'm looking for a commercial desktop financial software in a box that can be commonly found enywhere. Is Quickbook good? If it is, then what version is sufficient (Basic or more advanced ones)? How about Quicken? Or PeachTree? Basically a church only needs account payable; account receivable (from offerring); keeping customers (who are church members), printing check for payroll, etc; trial balance; general ledger; and printing various reports; etc. Would you also give the approximate price? Thanks for the suggestion. God bless you.

Does anyone know of any financial software...? I am looking for a stock broker software where you can keep records of transactions, print reports, have contacts, etc... The key is to have the ability to record transactions.

Financial Report Template that can update? I'm looking for some reliable reporting software that would allow me to create reports that are linked directly to an excel sheet such that if the data in the excel sheet changes, the next time you open the reporting document the charts and graphs will update. Basically I would like to create a document that is universally readable and printable like a PDF, but also be able to read information from an Excel sheet. The content must be able to update every time the document is opened. Any ideas? I don't want to build the template within Excel or any other Microsoft Office program. The charting tools and lack of color options is TERRIBLE. I need a third party program that has good looking charts and graphs that can also read Excel spreadsheets as a data source.

third party alternative for crystal reports for VB6/Ms Access software ? i have developed a financial software in Visual Basic 6. There are around 70 reports. I have used Crystal Reports8 for generating reports. Now i want to market the software. But i found crystal report as very expensive for licensing. Can you suggest me a Similar Reporting Tool at lower rates . Or any Open Source solution. I have used Ms Access as the database. I have plans to use Ms Sql in future as backend. thanks sunil ..but i need something more established or known product.....with sufficient number of features...which can handle complex things...

Need help in choosing good quality financial program for MAC that also allows you to track investments - thx? I am trying to select a financial software solution to use on a MAC - I am currently using Microsoft Money on a OC but need to migrate to a MAC based program. Does anyone have any good recommendation - i am looking for a good quality product that can handle investments, download investments transactions etc. and have a good report selection. The newly annunced update for Quicken Essential does not seem to have investments - appreciate any imput

Need advice on financial software? I've been using MS Money for a while now, but find it absolutely horrible. What I'm trying to do is super simple conceptually, and I'm looking for advice on how I can either A) accomplish it with Money or B) switch to something that can accomplish it. I want the ability to categorize my categories. I have 100s of categories/sub-categories (Rent, Bills: Cable, Bills: Water/Sewage, Personal: Clothing, Personal: Sporting Goods, etc...). That is obviously just a few, but you get the idea. I want to create Category Buckets into which I can place those categories, and I want only 3: Wants Needs Savings EVERY category can be classified as one of those 3. I want to keep all my transactions as they are today (they are already categorized and I do not want to change it). I just want to display a pie char that shows me what percentage of my Net income goes to Wants, what % to Needs and what % to Savings. I do not want to export the data and create a graph in Excel. Does anyone know how I can do this with either Money or some other piece of software? I tried using the Budget in money, but it didn't do what I wanted. I also tried Classifications but that didn't work either. Also tried creating "favorite reports" but still no dice. I'm going crazy -- this has to be possible! Any help would be appreciated.

OMG What is a good software for risk assessment finance? I need a software that I can use to help a business focus on specific financial business processes such as planning, reporting, budgeting, consolidation, risk assessment, forecasting, and strategy development.

What is a good software for finance? I need a software that I can use to help a business focus on specific financial business processes such as planning, reporting, budgeting, consolidation, risk assessment, forecasting, and strategy development.

Financial Reports - Income Statement- Balance Sheet? I can see in every accounting opening there is a duty called "Preparing month end financial reports like Income Statement and B/S". In every software, the financial statements are prepared automatically as soon as we enter journal entries. So what does this duty mean?? Is this like reconciling the financial statements? Please give some valuable and relevant info regarding this! Good Reply...I am satisfied! Thanks a lot' I am familiar with software like QuickBooks-Peachtree which performs all things automatically. But there might be applications which might not be like these and might not be Graphical user interface..

My parents run a bed and breakfast without proper accounting procedure. What computer program is recommended? I'd like to help out in managing its cash flow and financial reports. Is there a computer software I can buy (and modify) to tailor the needs of a small hotel?

i am an MBA(finance) and working in American Express in a Non-financial profile. Can i work in Finance sect.? I handle inquiries on how to navigate in their American Express online account, how to access specific areas within a Cardmember’s online account, issues related to establishing or changing passwords, general inquiries and navigation of the MYCA web pages. Technicalities include troubleshooting all web issues, Financial Software downloads for: Quicken, QuickBooks, Money, CSV and PDF files, all Small Business reporting and company services, marketing promotions, Amex Labs testing and beta products/services. This position is responsible for prompt efficient troubleshooting and reporting of technical escalations and system tickets utilizing IMR databases, coordinating with technologies and web designer groups. Is it possible for me to shift in the finance domain. I find it really hard with my current job profile.I cannot leave the job and search for another. Can anybody help me with what options i should consider? It is 18 months since i am in this profile

Rental Property Software? I am trying to find some software that will let me keep track of all of my rental properties. I have 5 different companies and each company has about 50 properties in it. I need this software to be able to keep track of my tenants and also produce financial reports. Any suggestions?

Where can I look to find financial information on an industry and for small companies in that industry? I need information on the data mining industry, like how much money that industry generates per year and what share a small, medium, or large company reports each year. Can I get the information for free?? What SIC code would be appropriate for software written to sell to companies to use directly or to incorporate it into their product? Any help would be appreciated. Thanks.

Who know about company's software information system..? This is the question.. Assuming you are the new MIS(Management Information System) manager of a big enterprise level company dealing with a range of consumer products, your identified that the company is strong overall in all of its deparments which -Management division -Sales & marketing deparment -Distribution divisoon -Point of sales outlets -Procurement and purchasing -Finance and acc. However, depsite the success of the company, the current information system uses tend to be distinct in the sense that, each department has their own procedure and using their own stand-alone system, and there are not linked thereby, presenting a lot of problem to the overall organization in terms of: 1. Tracking all of the status of the various processes 2. Repetition of work, such as re-keying of data 3. Production of financial reports tend to be slow as a lot of time is spent chasing after updated data from the various departments. With the aooroval of top management, you decided to embark on re-structuring the overall company's software information system, as the management had agreed with you that by doing so, the efficiency and productivity of the company may be improved. Hence, your immediate task now is to perform a quick survey and propose the kind of software system that tou think will be most appropriate. I understand what the questions want..but i don't know how to find the question..can somebody help me...?tell me how to find this question.....thanks!!!!

How much should I charge for C# work? I am making some changes to some software for a financial company. It is ASP.NET based but encompasses several different technologies (SQL, SQL Reporting Services, Web Services etc.) What would be the standard hourly rate for this kind of work? How much would a software development company charge for this opposed to just a freelance programmer? This is in the UK but people from other countries are welcome to answer.

Common Software heeeeeeeeelp best answerrr <3? A. Security management, directory services, intranets, and network maintenance B. Applications that tabulate various numbers for accounting, payroll, online banking, taxes, inventory, financial forecasting, etc. C. Application software that creates and edits documents and provides special features such as help index, spelling, and merge feature D. Virus protection, system maintenance, and file compression programs E. Software developed for specific professions such as medicine, law, and architecture F. Records creation, editing, reporting, and maintenance G. Used on the Internet to search for information H. Produces high-quality documentation that contains both text and graphics 1. Specialized software (1 point) 2. Finance software (1 point) 3. Utility software (1 point) 4. Word Processing software (1 point) 5. Network software (1 point) 6. Desktop Publishing software (1 point) 7. Database Management software (1 point) 8. Browser software (1 point) 9. You are considering acquiring some software that will help you build your own website. You go online and find a downloadable program that offers a 30-day trial use period before you are required to make a purchase. Which type of software is this? (1 point) public domain software shareware commercial software free software 10. A public school employee is in charge of purchasing software to be used by thousands of students in computer classes throughout the district. Why would she consider purchasing public domain software rather than commercial software? (1 point) Public domain software is typically of higher quality, even though it is more expensive than commercial software. Public domain software is cheaper and can be duplicated as needed, since it is not copyrighted. Public domain software is compatible with all computers, whereas commercial software often requires specific equipment. Public domain software can be used before it is purchased, whereas commercial software can only be used after it has been purchased.

Question to those who WORK in a veterinary office? Hello... I am a veterinary student doing a project comparing Veterinary Computer Software... Programs such as: Avimark, DVMmax, Impromed, and Intravet. I am comparing the systems for the following: single-window functionality information search client information display appointment calanders comprehensive reporting financial graphs flexible reminder options medical histories prescription labeling and pharmacy inventory management practice analysis image caputre integrated lab and in-house blood analyzer support complete electronic animal health record management If anyone who has worked with these programs could help me out I would greatly appreciate it! Homework assignment is due tomorrow morning!

What would the salary range be for Analyst, Management Info? Please help, Here is the job description. This is for a major Insurance company in Harford, CT. I'm being asked what my salary range would be by HR. This is a question I hate answering, and she didn't like asking but they need a range to get a feel... With direct supervision, uses technology to collect, evaluate and analyze management information. Responsibilities expand quickly from routine functions to beginner development of new projects. PRIMARY DUTIES: Develop and maintain systems requirements; ensure that the company has the capacity to respond to internal customers according to established standards. Help to meet management information needs of internal and external clients according to established standards, including problem research/resolution and customer education. Assist staff management and perform all necessary functions to meet strategic goals and objectives of the unit. Analyze customer requests for changes/new requirements to production system, determine impact on existing systems processes and develop appropriate specifications, enhancements and/or procedures to comply. Assist senior team members in responding to customer service issues. Assist with project plan development and maintenance. Requirements: Strong customer service skills. Excel spreadsheet experience. Basic knowledge of the use of business/financial technology and database software applications. Analytical/business/financial reporting and/or accounting skills. BS or BA degree required; MI or Finance concentration may be helpful. Competencies: Developing knowledge of the insurance business. Good written and oral communication skills. Ability to present subjects clearly to all technical and non-technical audiences. Ability to respond quickly to changing priorities. Takes responsibility for decisions and actions. Manages own work and seeks help as necessary. Basic technical knowledge in the use of spreadsheet / database software applications. Assumes personal responsibility and accountability for meeting business needs. Able to recognize and analyze problem and develop timely, practical and cost-effective solutions with minimal supervision. Able to recognize opportunities for improving customer service and ensure appropriate action is taken. Thanks! Thanks. BTW, company in Hartford, CT. I looked it up, and found a salary for Management Analyst. I figure it's pretty close, and the range they gave me on PayScale was what I was thinking.

Principles of economic interaction: Economics question? 6. Christine has hired a group of college graduates to work for her new startup company: Graduates with computer science majors design the software and maintain the website, graduates with economics majors prepare financial reports, and graduates with marketing majors help design brochures and fliers to advertise the company. Which of the following principles of economic interaction best describes this scenario? A. Markets move toward equilibrium. B. Markets usually lead to efficiency. C. When markets do not achieve efficiency, government intervention can improve overall welfare. D. There are gains from trade.

What are the main items i need to oreder when starting up a business? I am thinking of starting a software development company. I am getting a logo designed and it will be ready shortly, however, what other products will I need to be created or create myself? I was thinking that business cards and letter heads are essential and I will probably order the business cards, but would it just be easier to create my own letter head and print it myself and load all of that paper into the printer? What other things would I need thinking about stationary wise that is? Is it worth getting paper and pens ordered? Will it really give a client a better impression? I was thinking about getting some report covers printed so when I send reports to the main financial contributors and other directors (basically my parents) I prove to them that I can do this and be professional. What other office supiles will I need? Thank you for any help, Sophie Business plan, marketing plan all done thanks.

Every few months your Yahoo Finance will simply reporting the daily price moves of certain stock indexes. Whe? Every few months your Yahoo Finance will simply reporting the daily price moves of certain stock indexes. When I have the stock indexes in a financial portfolio, such as index symbols ^DJC and ^SOXX, they report no data for the last several days. These are actually very important indexes, & is some glitch in your software that always comes up when you make your so-called "improvements" to the system, which only makes Yahoo WORSE. THIS HAPPENS PERIODICALLY, & it seems VERY DIFFICULT to get someone to even understand the problem, because your techies do not seem to use Yahoo Finance Stock Portfolios

what is the reports generated or needed by a construction company, specifically for accounting department? I am an accountant for a construction company, newly hired and new to the industry. I am looking for an accounting software that suits the nature of work (progress billing, subcontractor, etc). I am not sure what kinds of report required for the accounting department (for ex: progress of the project, job cost, financial statements at year end). Besides these, do I need any specific reports?

XBRL Software for Investors? XBRL is a code that lets people download information from financial statements, and the Securities Exchange Commission (SEC) is in the process of making it mandatory for all companies to report that way. It's meant to make things more convenient, being able to download the information instead of entering it manually. I can't find software for investors though. All software I can find is for companies to use for filing their reports in the XBRL code. Do you know of any software for investors to use that will let them download companies' financial statement information into Excel?

How does everyone feel about what the article below addresses.? Its long but well worth the read, it's very informative. Equifax, Experian and Transunion have begun limited marketing of a new consumer credit scoring algorithm to Risk Based Lenders. According to David Rubinger of Equifax, the planned nationwide rollout to Risk Based Lenders is scheduled for July, and will be followed, approximately 9 months later, with the public disclosure of these scores to consumers. An algorithm is a mathematical formula that is written to assign value to specific data in order to attain a final score. Risk Based Lenders are financial institutions that lend money based upon a consumer's credit history and the consumer's ability and historical willingness to repay a loan. These types of lenders cover the full range of financial institutions lending money for credit cards, auto loans, unsecured loans and mortgage loans. David Rubinger, the national marketing contact for Equifax, explained "approximately one year ago, the analytical managers for the 3 credit bureaus got together for the purposes of addressing variations within the present scoring models in use. Under the current system, the three major credit-reporting agencies use three different algorithms that produce three different and unique scores, regardless of the data being scored. The primary issue to be addressed was how they could create a solution for Risk Based Lenders who wanted fewer variations within the credit scoring models they were using to make lending decisions." The solution for the three agencies was to create a single algorithm that would produce a more "predictive score" by creating a single variable in scoring, which would be the data. To do this, they came up with a solution that involved creating an independent company called VantageScore, LLC. Each credit-reporting agency would own an equal share in the company, and purchase a license to use and sell the resulting scores to risk based lenders under the VantageScore service mark. The hard part was creating the uniform scoring that the three credit-reporting agencies were attempting to design and sell. To achieve as close a model as possible, the three credit agencies tested the initial base algorithm on 15 million active credit files. Throughout the testing process, changes were made to the algorithm as were needed to create a more stable scoring model until the finished product created an acceptable level of score variance in the finished product. By creating an independent LLC company, the three credit reporting agencies are now able to offer a single product that has only one variable, the data being scored. Where the credit information reported is the same, the score for a consumer file will be the same, regardless of whether the score comes from Transunion, Experian, or Equifax. Where the credit information is different, the variations in the actual score will be significantly reduced. Under the new VantageScore product, the three agencies decided to change the scoring formula from its current 450 to 850 scoring range to a new 501 to 990 range. When asked about why they would do this, Rubinger responded, "The new scoring model is to help consumers better understand their credit score. By basing it on a grading scale used throughout the K through 12 school system, consumers can look at their score and know exactly what they have". Unfortunately for Risk Based Lenders, the new scoring model will require they spend thousands of dollars in updating software to incorporate the new scoring model. When asked about some of the negative aspects of the change, Mr. Rubinger declined to answer any questions. The initial question that Down Payment Solutions has relates to anti-trust laws and where the congressional oversight is. As we only have three major Credit Reporting Agencies, how is it they can bypass any oversight to create an LLC company in order to offer a single uniform product in which all can sell, with the goal appearing to be the complete replacement of the present day independent scoring algorithms? When contacted for comment on this matter, the Department of Justice - Anti-Trust division - declined comment and suggested consumers who have concerns should e-mail them at antitrust.complaints@usdoj.gov. Neither Senator Bill Nelson (D - FL), Senator Mel Martinez (R - FL), Congressman Jim Davis (D-FL) or Congressman Michael Bilirakis (R- FL) offices would offer any comments for this article. Jan Helder of the Helder Law Firm called the formation of a LLC by the three Credit Reporting Agencies "shady, at best" and advised that, unfortunately for consumers, they "cannot file an anti-trust suit until they have experienced a financial loss resulting from the new VantageScore credit scoring system, and then they will have to prove financial loss in court." This will be well after low to moderate-income families, and the businesses dependent upon them, have felt the tightening of credit nationwide. "The new VantageScore model creates a significant financial risk to consumers in their ability to obtain affordable financing," according to Dwayne Singletary of Allstate Mortgage and Loan Corp in Tampa, Florida. "Many risk-based lenders in the mortgage industry use all three credit-reporting scores--also known as a Tri-Merged Credit Report--and have programs that allow them to use the credit-reporting agency that has the highest credit score. A reduction in that higher score will most likely result in home buyers needing more money out of pocket for a down payment, or require them to pay a higher rate of interest…" under the VantageScore model, whether refinancing or purchasing. In the installment and revolving credit market, most risk-based lenders do not use the scores from all three reporting agencies. Rather, each lender selects the reporting agency that best fits their type of borrower. A reduction in any one score across any credit-reporting agency, via adoption of the VantageScore algorithm, could result in consumers being unable to obtain credit, or consumers paying a significantly higher rate of interest to borrow the same money tomorrow, versus what they would pay under the current separate credit-scoring models. Rubinger contends the new scoring model is designed to help consumers better understand their score. However, given the thousands of dollars in financial costs that will be incurred by Risk Based Lenders in updating programming, it leaves the impression the new scoring model may actually be designed to mislead consumers into believing the new VantageScore system actually improves their credit scores. Under the current system, in theory, if a consumer has a Transunion credit score of 600, then potentially under the new VantageScore model, they could have a score as high as 720. This certainly would go a long way towards silencing a potential consumer backlash if someone with challenged credit sees a dramatic increase in their credit score. This is potentially misleading, and may be the reason for the delay in consumers having access to their new VantageScore credit score for any given credit-reporting agency. At present, it has not been disclosed how consumers will know what model they are being scored under. As consumers apply for credit, most will assume they are being scored under existing Credit Models, when in fact; they may have been scored under the VantageScore system if a particular financial institution adopted it. Consumers who are concerned about the potential implications that VantageScore has on their financial future should contact the DOJ - Anti-Trust Division. In addition, we strongly encourage you to contact your Congressman via www.congress.org. Down Payment Solutions believes that before this new Credit Scoring System is implemented, both the DOJ and Congress have some over sight as to how, when and if Transunion, Experian and Equifax, can implement this type of product in order to protect every American consumer and the businesses dependent upon them. You are free and encouraged to reproduce, link to, e-mail and redistribute this article in its entirety as long as you leave the below author information intact. Author: George Chaney, President, Down Payment Solutions, Inc. http://www.downpaymentsolutions.com

Resume help please! How can I fix? I have been able to find the job i have currently with no problems. However, in my quest to find a new position, I am having trouble and wanted to know whether or not the resume is the issue. The positions I apply for are only what I have experience in, sometimes way more than requested. The issue has been that in over 65 resumes submitted, not one phone call.. not even to inquire or ask any questions. Before my current position, I had all sorts of calls coming in. Even if I didn't get the job, I'd at least get A call out of 50+ resumes. this is in WORD and very neat with the proper editing.. i just can't paste it like it shows in WORD CAREER PROFILE: •Detail-oriented, efficient and organized accounting professional with extensive experience in accounting systems. •Possess strong analytical and problem solving skills with emphasis in budgets and account management •Excellent written and verbal communication/presentation skills. •Highly trustworthy, discreet and ethical. GAAP standard awareness WORK EXPERIENCE ******* – ******, KS (July 2008-Present) Accountant/Analyst •Prepare/Review the monthly budget variance reports and narrative analysis, including cost analysis •Coordinate the annual budget process to ensure timely completion •Prepare analytical reviews of financial results using both historical and future trends, costing analysis •Prepare Year end, multiple month and quarter end reporting •Head of G/L reconciliations, PO Reconciliations, cash flow, grant reconciliations •Heavy experience in Oracle based journal entries, accruals, reconciliations and account analysis •Participate on project teams focused on accounting or organizational initiatives •Offer Audit support/ Analysis/Explanations of inconsistencies •Head of Inventory system setup and control •Head of grant management- spending analysis, budgeting, costing, •Create Executive presentations relating to budget and grant expenditures •Offer guidance Grant/County Budget disbursement decisions amongst departments and cost centers •Head of Payroll/Grant/Deposit Reconciliations/AP/AR •Create/ Verify Affidavits on regular basis •Review practices against GAAP standards •Communicate with clients and customers on day to day basis about budget inquires and grant disbursement information *****, INC – *****, TN (Feb 2007-June 2008) Financial Analyst Associate •Fortune 500 International Medical Device Manufacturer •Prepare/Review the monthly budget variance reports and narrative analysis •Coordinate the annual budget process to ensure timely completion •Created financial statements for month close data, budget analysis •In charge of monthly SAP GL upkeep- journal entries, accruals, vouchers (SAP) •Created executive budget/spending presentations •Review monthly reconciliations and ensure issues identified are resolved on a timely basis •Develop efficient and effective operational and financial reports •Responsible for upkeep of financial website and content •Head of cost management project, cut costs by 29% in cell services •Worked with financial systems daily to ensure accurate data transition *****’s, INC – *****, TN (2005-2008) Accounting Intern (November 2005-2007) •Full Accounts payable and accounts receivables, invoices •Worked with Aloha accounting and compensation software •Completed payroll and settled comp and chargebacks weekly •Completed inventory and produce orders and accounts on a weekly basis Assistant Kitchen Manager (October 2005- 2008) •Trained new kitchen employees •Created reports based on inventory, labor, and budget, controlled all purchases and orders of supplies, invoices. •Created schedule and labor budgets weekly •Created and upheld inventory counts, had knowledge of all areas in kitchen, Filled produce orders every night •Payroll EDUCATION: B.S. Accounting/ Management ****University •Dual Major A.A.S. Accounting **** •Completed over 60 Accounting credit hours RELEVANT COURSEWORK Accounting EthicsBusiness Law Advanced Accounting Cost AccountingFederal Income TaxAuditing Management Courses Microsoft OfficeEconomics RELEVANT SOFTWARE KNOWLEDGE Oracle, SAP, Discoverer, Crystal Reports, Peachtree, Advanced Excel, Access, COGNOS, Hyperion, and Quick Books RELEVANT ACTIVITIES American Association of Grant Professionals member I have read alot of online articles and books and it seems that i have everything in my resume i should. I am looking for people to critic the current version and offer changes, not more articles to read

Is my CV ok , please tell me where my CV is lacking? Curriculum Vitae Faith Makombe 22421 Riverside Park ,Ruwa 023360945,0912698595 fthmakombe@yahoo.com Date of Birth:22-10-1988 Sex:Female Career Objectives To advance to a managerial position of a financial institution. Current Studies 2008 Speciss College Association of Chartered Certified Accountants (ACCA) F5 Performance Management F6 Taxation F7 Financial Reporting Education and Qualifications 2007 Open Learning Centre Association of Chartered Certified Accountants (ACCA) F1 Accountant In business Pass F2 Management Accounting Pass F3 Financial Accounting Pass F4 Corporate& business Law Pass 2006 Sandringham High School Advanced Level Results Subject Grade Mathematics B Biology B Chemistry C 2004Sandringham High School GCSE O Level – 11 Subjects, including Maths and English Work Experience 2008-Date Seligate Computers, Accounting Software Evaluator Main Responsibilities: Testing Accounting Software Skills Gained: Communication, team work, interpersonal Skills. Interests Travelling - Has helped improve interpersonal skills. Learning Languages- Helps to adapt to situations References Available on request

Please proofread my resume and cover letter? I am looking for a job and have the credentials, but not much experience. Can you please read my resume and cover letter to give me some insight as to how I can get a job? Also, any extra advice would be greatly appreciated. Thank you so much!! 'Kisses' COVER LETTER Human Resources Euclid Hospital 18901 Lake Shore Blvd. Euclid, OH 44119 216.531.9000 Human Resources: I am very interested in securing a position as an administrative medical assistant in your medical facility. I have gained a valuable understanding of the healthcare enviroment through the education I have received at Sanford Brown College and have successfully mastered administrative and clinical training. Also, I am very detail-oriented and quality-focused with a successful record of handling difficult assignments. I am dedicated to upholding the highest standards of the healthcare industry. I feel that your excellent healthcare team will allow me to fully utilize my administrative and clinical skills as I embark into my medical career to grow both personally and professionally. I look forward to an interview with you to further discuss my education and qualifications in the near future. Please contact me at XXX.XXX.XXXX or at the address above. I will follow up with your office further in the week to review the status of my application. Thank you for your time and consideration in this matter. Sincerely, XXXXXXX XXXXXX Enclosure: Resume RESUME Objective Certified Medical Billing and Coding Specialist / Medical Administrative Assistant seeking to obtain employment in a facility that will provide opportunities for advancement in the healthcare field. Education Medical Assistant Diploma, July 2008 - July 2009 Sanford Brown College, Middleburg Heights, Ohio Medical Billing and Coding Diploma, August 2009 - Present Sanford Brown College, Middleburg Heights, Ohio Certifications First Aid Certification American Health Care Academy CPR / AED Certification American Health Care Academy Phlebotomy / Electrocardiograph Technician Certification National Healthcareer Association Clinical Medical Assistant / Pharmacy Technician Certification National Healthcareer Association Medical Billing and Coding Specialist / Medical Administrative Assistant Certification National Healthcareer Association Skills Administrative Greets Patients, Appointment Scheduling, Patient Referrals, Patient Education, Peg-Boarding System, Information Verification, Calendaring, Reception, Filing, Reporting, Word Processing, Medical Transcription Type 65 WPM, Microsoft Office Procifient (Access, Excel, Outlook, PowerPoint, Publisher, Word), Data Entry, Spreadsheets, Presentations, Documentation, Bookkeeping, Accounting, Typing, 10 Key Entry Medical Billing Software, Medical Coding Software, Financial Software, Claims Adjustment, Accounts Payable and Receivable, Collections, Electronic Claim Submission, Billing Compliance, Coding Compliance ICD-9 Coding, CPT-10 Coding, HCPCS, Third-Party Reimbursement, Worker's Compensation, Medicare, Medicaid, Knowledge of HMO / PPO / EPO Plams, Insurance Precertification Filing Systems Design, Database Administration, Information Security, Medical Office Accounting, Medical Office Management, Executive Support, Standard Development, Record Maintenance, Staffing Management, Supply Management Correspondence Control, Travel Coordination, Event Management, Time Management, Budget Preparation, Operations Maintenance, Equipment Maintenance, Scheduling Expenditures, Information Analysis, Reports Analysis, Statistical Analysis Clinical Patient History, Charting, Triaging, Obtain Vitals (Temperature, Pulse, Respirations, Blood Pressure, Height, Weight), Assists Physician, Examination Room Preparation, Procedure Tray Preparation Venipuncture, Capillary Puncture, Administer Injections, Dispense Medication, Electrocardiography, Microbiology, Urinalysis, Burn Treatment, Ear Irrigations, Nasal Swabbing, Catheterizations, Removal of Sutures, Casting, Splinting Titmus Vision Screenings, Audiometry Testing, Rapid Strep Testing, Therapeutic Sonography, Preliminary Physical Examinations, Centrifuge Operation, Autoclave Operation, Equipment Sterilization, HIPPA / JHACO / OSHA Compliant Courses Medical Terminology, Anatomy and Physiology, Clinical Asepsis, Clinical Procedures, Health Insurance, Health Care Systems, Hematology, Pharmacology, Electrocardiography, Urinalysis and Microbiology, Career Development, Pacific Institute, Medical Office Accounting, Medical Applications, Computerized Billing, Medical Law and Ethics Qualifications Professionalism, Confidentiality, Teamwork, Energy Level, Customer Focus, Thoroughness, Decisiveness, Organization, Patient Services, Conflict Resolution, Productivity, Independence, Reporting, Listening, Oral Communication, Written Communication, Language Fluency, Legal Compliance,

If someone hacks into my e-mail account, what recourse do I have? Someone retrieved my personal e-mails for their personal financial gain. I changed my passwords and added new security software, alerted my bank and made a police report. What recourse do I have? Is this legal?

Can company claim financial damage from terminated employee over project delay? I worked with this company (software system integrator) for 3 years as project manager who reported directly to my boss (Senior VP) who in charge of the whole division & commercial. My boss reported to the owner of the company. My responsibility was on technical implementation of the software developed by a third party (of whom my boss had contacts with) and never get involved with commercial part (proposal, financial, scope of work). Despite I frequently asked my boss & communicated to the whole team including the clients that the delay was on the third party, the owner of the company in the end terminated me for performance reason (thanks to my double-faced boss in which I thought she should bear the responsibility but she save her own ass). At the same time the crisis hit the company, no more projects, and the whole team in division were made redundant. It's been six months and everything was fine until I asked for some pending salary and mandatory final settlements according to the local law. The company refused to pay with the reason that they don't have money. I told them I would file a formal complain to authority and open a case at court, claiming the pending amounts. The hearing has been started, now they demand a really huge amount of money (project loss) from me. I have all the proofs that it was not part of my responsibility, email on late deliveries from third party, all messages to the whole team. My question is, can they claim back from employee? In what situation an employee could be responsible for financial damage?

Would this help, to produce good software ? What if people avoid following the checklist ? Standard: Review Checklist Phases: Concept and Technology Development, System Development and Demonstration, and Production and Deployment Activities: Numerous Tasks: See Documentation Matrix Reference: DFAS System Life Cycle Effective Date: May 17, 2002 DEFENSE FINANCE AND ACCOUNTING SERVICE Review Checklist for Program Name Date of Issue and Status: Date checklist is acknowledged as acceptable (mm/dd/yyyy) and whether checklist is draft or approved. Also include version number. Issuing organization: Identify the organization issuing this checklist. REVIEW CHECKLIST 1. Purpose. The Review Checklist is used to ensure the reviews are conducted in an appropriate and successful manner. This checklist is used for all product reviews, including but not limited to System Requirements Review, Functional Requirements Review, Critical Design Review, peer reviews. 2. Scope. Identify extent of use of this checklist. 3. Project Name. Name of Project or Application 4. Date of Review. Date review actually took place 5. Type of Review. Identify review in which checklist applies 6. Duration of Review. Actual time elapsed during review 7. Release or System Change Request (SCR) Numbers. Release identifier or SCR numbers reviewed 8. Review Participants. Include full name and role in the review (i.e., review coordinator, moderator, software quality assurance (SQA) representative, etc). 9. Questions. Questions should be posed to require a “yes/no” response. “Yes/no” questions should be presented so that all “yes” answers indicate successful completion of a task and “no” a lack thereof. Sample Questions: GENERAL 1. Was written notification provided at least three (3) working days prior to the review?YN 2. Was an agenda prepared?YN 3. Were scheduled facilities adequate?YN 4. Was a review package prepared?YN 5. Were the participants notified of review materials location at least three (3) working days in advance?YN 6. Was a review checklist prepared?YN 7. Was the review agenda followed?YN 8. Was the review checklist completed?YN 9. Did the Recorder take minutes of the meeting?YN 10. Did the Recorder distribute minutes of the meeting?YN 11. Did the Review Coordinator summarize review findings?YN 12. Were open/action items identified?YN 13. Did the Recorder prepare the review report?YN 14. Did the Recorder distribute the review report?YN 15. Were the review metrics recorded in the metrics repository?YN 16. Were open/action items tracked to resolution?YN 17. Were Release Quality Findings/Recommendations: (List Release program trouble reports (PTRs) Action Items (Responsibility and Completion Date) discussed during PTR?YN 18. Were Customer Support Findings/Recommendations: Action Items (Responsibility and Completion Date) discussed during PTR?YN 19. Were Training Findings/Recommendations: Action Items (Responsibility and Completion Date) discussed during PTR?YN 20. Were User Documentation Findings/Recommendations: Action Items (Responsibility and Completion Date) discussed during PTR?YN 21. Were Overall Release Findings/Recommendations: Action Items (Responsibility and Completion Date) discussed during PTR?YN FUNCTIONAL REQUIREMENTS 22. Have requirements in all categories (functional, regulatory, user interface, performance, interface, infrastructure, security, user training) been adequately defined, analyzed, and documented?YN 23. Do the requirements, as documented, reflect appropriate functional mandates specified in the Federal Financial Management Regulations (FFMRs) and "A Guide to Federal Requirements for Financial Management Systems (commonly called the Blue Book)?YN 24. Do the requirements, as documented, comply with the release plan?YN 25. Are adequate security and information assurance requirements identified? Do they comply with the requirements of the DoD Information Technology Security Certification and Accreditation Process (DITSCAP)?YN 26. Are risks identified and mitigation plans in place?YN 27. Have requirements adequately been traced back to the System Requirements Specification (SRS)?YN 28. Has sufficient attention been placed on the human factors?YN 29. Does the design team feel the Software Requirements Description (SRD) is complete, consistent, and unambiguous enough to create a complete design?YN 30. Does the test team feel the requirements contained in the SRD are unambiguous and testable?YN 31. Is the application using DFAS standard data elements?YN 32. Does the application's operational, systems, and technical architecture comply with those at the enterprise level?YN 33. Have the Oracle Designer quality checking reports been run and have deficiencies been addressed?YN 34. Are ther

Quickbooks: Get Combined Financials from 4 Companies? Any QuickBooks geeks out there?? We have four companies in quickbooks and need ideas for how to get financial reports from all 4 combined into 1. We have been using a tedious 100 step process of exporting, coding, sorting, and pivotabling in excel. Any software recommendations? Any one know how to get the chart of accounts description field to show up on the trial balance report? Thanks!

Case 2 - APES 110 (20 marks) Maximum 1000 words? John Jones is a senior audit partner in a local audit firm and is planning to retire in 12 months time. He is well respected by a number of his clients and as a result has been offered a position on the board of ABC Pty Ltd (a listed company), to take effect immediately earning him fees of $20,000 plus 2000 shares (2% of the company's total shares). Furthermore, as a way of introducing him to the other members of the board they have agreed to pay his air fares and accommodation to the next board meeting to be held in 2 months. Currently the audit firm provides other financial services such as taxation and IT consulting for the general accounting software, legal services and employs a number of recently qualified accountants to assist in collecting data for an audit and to provide bookkeeping services for preparing the financial report. Also, various clients engage the auditing firm to provide valuation services for assets that form part of the financial report and give advice on what board recommendations should be implemented. For example, the auditor is asked to provide advice on marketing strategy. It should be noted that while the accountants were completing work for the annual accounts they were under the direct control of the company management. It has also been agreed with the other partners in the audit firm that John Jones will be paid a bonus on retirement if he can grow his client base by 25% in the 12 months leading up to his retirement. In order to achieve this John was engaged in an extensive advertising campaign where he offered all prospective clients different auditing packages which depended on how much the client was willing to pay for the audit. In order to secure a new client that would bring in an additional 20% of total fees for the firm, the client was offered a separate proposal, this being extended payment terms for paying the audit fee and an agreement that the time for auditing the accounts would not exceed three weeks. Required 1.Identify any professional standards and regulatory requirements that may have been breached. Make special reference to factors affecting auditor independence. 2.What action should John Jones take to avoid potential threats or risks to his objectivity?

How do i get rid of this "Blocked" crap? It says: This website has been reported as unsafe We strongly recommend to discontinue the use of this website. Register your computer's security software This website has been reported to Microsoft for containing threats that might steal personal or financial information from your computer More information I mean it do this to EVERY freakin website i go on. Its Driving me nuts, How do i get rid of this crap. I'm not buying the freakin product

how can you take a virus away from your computer? every time i go on the internet it says We strongly recommend to discontinue the use of this website. Register your computer's security software This website has been reported to Microsoft for containing threats that might steal personal or financial information from your computer and it does not let me go into any website do you know how i can fix this?

Help with these economic questions (multiple choice)? Who has the lowest opportunity cost? Sondra prune the tress in 30 min. Jim took his 5 hours. Sandra earns $160 per hour and Jim earns $20 per hour. Sondra Jim Sondra and Jim face identical opportunity costs 2.You work as an assistant coach and earn $13 per hour. One day you skip the practice and went to county fair which is $8. The opportunity cost of skipping practice and going is _________ 3. Christine has hired a group of college graduates to work for company. Grads with computer science majors desgin the software and maintain the website, grads with economics majors prepare financial reports, and graduates with marketing majors help design brochures and fliers to advertise the company. Which of the following principles of economic interaction best describes this scenario? Markets move towards equilibrium All costs are opportunity costs When markets do not achieve efficiency, govt intervention can improve overall welfare There are gains from trade. 4. According to a general economic principle, when there is a fall in business investment spending, consumer spending will _____(decrease/increase). When the overall spending falls short of the economy's productive capacity, the economy will likely experience a period of __(inflation/recession) 5. Hubert and Erin are 10 year old twins who are fighting over how to spend $300 gift certificate they jointly won in a raffle. The gift certificate is for a store that sells train sets. There are three kinds of train sets available: one that costs $200, $150, $100. Each twins wants their own train set. Both twins greatly prefer the $150 set to the $100 set, but they only slightly prefer the $200 set to the $150 set. The dift certificate can only be used once, regardless of whether or not the full $300 value is redeemed. Suppose their mother intervenes and uses the gift certificate to purchase each twin the $100 set. This is __(inefficient/efficient) because (both twins can be made better off w/out making either twins worse off/neither twins can be made better off w/out making either twins worse off) ***************trees

This economics question makes no sense?!?!?!? Christine has hired a group of college graduates to work for her startup company. Graduates with computer science majors design the software and maintain the website, gradates with economics majors prepare financial reports, and graduates with marketing majors help design brochures and fliers to hep advertise the company. Which of the following economic principles best describes this scenario, a.) All costs are opportunity costs b.) There are gains from trade c.) Markets move toward equilibrium d.) When markets do not achieve efficiency, government intervention can improve overall welfare This question legit makes zero sense, none of the points seem to make any sense... best answer will get 10 points.. please help

networking question? Case Study: DMS Associates DMS Associates is a consulting firm located in Eastern City. Fifty people work in its home office in two buildings in a business complex. An additional 25 employee’s work from remote locations. DMS Associates is adding another 25 employees by opening a third location, Building C, elsewhere in Eastern City. Building C was purchased with its existing technology infrastructure intact. DMS Associates has asked you to evaluate and analyze the company's existing technology infrastructure and security for its network as reported below and to recommend a best practices approach to integrating the data communication, computer networks, and telephone systems of the three locations with a focus on security that is seamless. The goal is to create a company-wide technology infrastructure which supports seemingly seamless connectivity and data flow. Building A Staff: 25 employees. The IT operation is housed here. Networking: Three departmental LANs: Business and Finance Office, Staff Consultants, and Administration. These LANs all run Windows 2000 Advanced Server. 25 Remote workers have dial-in access to the network through a modem pool. E-mail service runs on an Microsoft Exchange Server using Outlook as the client software. Phone Service: The local and long distance phone service from Local Telephone Company through a leased PBX. Phone services include Voice Mail, Call Waiting, Call Forwarding. Internet Access and Usage: All offices in Building A have Internet Access through the network via a T-1 line to the company's ISP, Sharethenet.com. Software Applications: All employees are provided with Microsoft Office Professional suite of applications including Word, Excel, PowerPoint, Access. The Company's financial systems run on Great Plains Accounting Software. Great Plains is used for personnel information, payroll, inventory, accounts payable, accounts receivable, quarterly and annual reports, and tax documentation. Building B Staff: 25 employees; 20 are staff consultants, the other five include a branch manager, receptionist, custodians, and an IT support person. Networking: The network consists of a single LAN running under Windows 2000 Server. E-mail Service is via a POP3 client through Internet to Building A's Exchange e-mail server. Phone Service: The local and long distance phone service from Local Telephone Company through a leased PBX. Phone services include Voice Mail, Call Waiting, Call Forwarding. This service is not connected directly to the Building A system. Internet Access and Usage: All offices in Building B share Internet Access through the network via the company's ISP, Sharethenet.com. Software Applications: All employees are provided with Microsoft Office Professional suite of applications including Word, Excel, PowerPoint, Access. This location is unable to access the Great Plains financial software directly, and uses FTP to upload data weekly from an Access database. Building C Building C is located in a different section of Eastern City. Staff: Twenty-five people will work in this building. It is anticipated that staff composition will be the same as in Building B: 20 staff consultants, a branch manager, receptionist, custodians, and an IT support person. Networking: Two independent local area networks exist. Novel NetWare was used as the network operating system. Phone Service: The previous company had local phone service is provided by Local Phone Company, and long distance phone service are provided by a Sprint reseller. Internet Access and Usage: The previous company had 5 have dial-up Internet access accounts for company business use through AOL. Software Applications: Existing computers are provided with Microsoft Office Professional suite of applications including Word, Excel, PowerPoint, Access. The previous company used Excel for accounting purposes, and Access for Inventory, Job tracking, customer records, etc. Payroll services were subcontracted to ADP. Weekly batch uploads of employee data from Excel were made to ADP. In Your Paper: In your Final Project Paper use the information presented below to develop and describe a data communications and computer networking plan to meet these criteria: 1.The three local area networks in building A are to be interconnected. 2.The networks in buildings A & B, which are close together, are to be interconnected. 3.The new building, building C, is to be inter-networked with the other locations using its existing technology infrastructure wherever possible, though some changes may be made if absolutely required for smooth integration. 4.Employees in all locations are to have access to the Internet through dedicated T-1 lines to a single ISP. 5.Telephone service for the three buildings is to function as a single system so that any phone in any building may reach any other phone using only the extension. 6.All employees are to have voice mail. 7.All employees are to have e-mail through the exchange server in building A including the remote workers. 8.In writing your paper describe the choices you would make in terms of the type of network, the connecting medium, the data communication model being followed. 9.Explain why your choices reflect today's best practices in data and voice communication. Be specific in your reasons, including the characteristics of each choice and explaining why they are appropriate for each task. 10.Diagram the data flow for each task using the drawing tools in Microsoft Word.

What's wrong with my resume? Hi guys, I have been applying for jobs for months now and haven't heard back from any of them. I tried to apply to entry level jobs as well and nothing. Is there anything wrong with my resume? I posted it below and I appreciate your review and help! CAREER SUMMARY Diversified progressive experience in different fields including accounting, logistics, financial analysis, inventory management, staff training and supervision, customer service. Strong project management, team building and leadership skills. Expert PC qualifications with proficiency in Word, Excel, Access and ERP systems. Extensive experience in systems selection and implementation. PROFESSIONAL EXPERIENCE _______________________2007 – Present Analyst/Executive Assistant to VP Operations •Built and updated financial models using historical petroleum pricing data. •Developed a series of charts and spreadsheets that streamlined the flow of information from the oil fields. •Coordinated accounting, operational and administrative activities of international offices. •Developed a system to track tanker’s movements from the point of origin to destination. •Managed ad hoc special projects for executive management. •Translated financial, legal, and technical documents from Russian into English. •Participated in development and implementation of the company’s ERP. ________________________2004-2007 Logistics Supervisor with Finance Responsibilities •Managed logistics department. •Provided on-site training of logistics personnel to prepare and submit import documentation including contracts, country-mandated pre-shipment inspection documents. •Negotiated contracts with common carriers to reduce transportation costs. •Developed and maintained inventory management system for customers. •Performed financial and operational analysis with focus on finance, operations and sales. •Worked closely with senior financial and operating executives to interpret financial data and improve business operations. •Managed accounting operations, including billing, accounts payable, accounts receivable, general ledger, reconciliations. •Identified, researched, tracked and reported on the causes for fluctuations outside of anticipated parameters. •Participated in budget preparation, formulation, presentation. Prepared and presented variance analysis on a monthly basis. •Coordinated accounting systems implementation and upgrades. •Represented the company in sales meetings and major international fairs. _____________________________________2002-2004 Flight Attendant •Provided outstanding customer service to passengers. •Promoted and assisted passengers in their understanding and compliance with the company safety policies. •Provided customers with hassle free travel experience by focusing on their needs. •Contributed to company’s public image and profitability by ensuring passengers and crews are ready for on-time departure. ____________________________1997-2001 Accountant/Office Manager •Supervised day-to-day activities in the accounting department, both accounts payable and receivable, bank reconciliations, payroll. •Prepared journal entries, balance sheets, profit and loss statements, and other financial reports. •Prepared and submitted import/export documentation. •Managed a staff of four. EDUCATION ________________, College of Law JD (2013) ____________________________________, Bachelor of Business Administration, Majors: Finance (2009), Accounting (2010) University of Latvia, Riga, Latvia Associate of Arts, English, 1996 SOFTWARE •Excel – advanced (Data Analysis, VLookup, Pivot tables, Macros) •Databases – advanced (design, run and analyze) •MS Office •Oracle •MS Dynamics •NetSuite LANGUAGES •English – fluent •Russian – native •Latvian – fluent •German – speak, read, and write with basic competence LICENSES •CPA candidate References available upon request. Thank you very much!

please help how can I change this resume...what job should i look for? After reading about the kind of position you are looking to fill, I am confident that my work ethic and past experience makes me an ideal candidate for this career. I am looking for a career that is challenging and stable with room to grow with the company. I’m young with experience which is beneficial, because I have a great desire to enhance the talent I already possess. I will bring to your company a broad range of skills, including: • Interpersonal relationship skills • A strong desire to learn • Great verbal and written communication skills • Ability to manage various tasks at once • Past experience in sales I would welcome the opportunity to further discuss this position with you. If you have any questions or would like to schedule an interview, please contact me by phone at (909)319-6078 or respond to me by e-mail at jnwillard@yahoo.com. I have enclosed my resume for your review, and I have references available upon request. I look forward to hearing from you soon. Sincerely, James Willard Objective Seeking a position in which I can use my work experience, focused education, analytical ability, communication Skills, and strong work ethic. Skills Financial Ratio AnalysisFinancial Report CreationSpreadsheet Usage Oral/Written PresentationsMulti-Tasking ProjectsSpecial Projects Employee TrainingPersonnel SupervisionSales Skills Clear CommunicationBudget Cost ControlsSoftware Knowledge Problem Solving AbilityInterpersonal CommunicationAttention to Detail Experience 2006-Present Empire LendingWest Covina, CA Account Executive * Analyzed borrowers’ repayment ability, degree of leverage, and collateral strength using financial ratios. * Supervised the underwriting quality and regulatory compliance of an aggressively growing loan pipeline. * Managed multiple projects simultaneously, achieving objectives under time and resource constraints. * Participated in a variety of real estate-related committees which focused on market and industry trends. * Trained, reviewed, mentored, and supervised a team of new sales staff and sales support personnel. * Prospected, marketed, and closed mortgage loans while assuring accuracy and client confidentiality. * Successfully built a referral network of real estate brokers, attorneys, builders, and accountants. * Pro-actively contacted existing clients to determine relationship strength and retain future business. Education/Training * Graduate, Citrus Community College (Glendora, CA), AS, Business Studies, 6/07. * Familiar with MS Word, Excel, PowerPoint, Outlook, and Internet. * Current Student, University of La Verne, Business/Finance Major, began 9/07. * Graduate, Bonita High School (La Verne, CA), College Prep Focus, 6/05 Civic * Volunteer, Various Community and School Activities Client references available upon request.

What job should I apply for? What would I be good add...Resume included (sales, finance exper.)? Objective Seeking a position in which I can use my work experience, focused education, analytical ability, communication Skills, and strong work ethic. Skills Financial Ratio AnalysisFinancial Report CreationSpreadsheet Usage Oral/Written PresentationsMulti-Tasking ProjectsSpecial Projects Employee TrainingPersonnel SupervisionSales Skills Clear CommunicationBudget Cost ControlsSoftware Knowledge Problem Solving AbilityInterpersonal CommunicationAttention to Detail Experience 2006-Present Empire LendingWest Covina, CA Account Executive * Analyzed borrowers’ repayment ability, degree of leverage, and collateral strength using financial ratios. * Supervised the underwriting quality and regulatory compliance of an aggressively growing loan pipeline. * Managed multiple projects simultaneously, achieving objectives under time and resource constraints. * Participated in a variety of real estate-related committees which focused on market and industry trends. * Trained, reviewed, mentored, and supervised a team of new sales staff and sales support personnel. * Prospected, marketed, and closed mortgage loans while assuring accuracy and client confidentiality. * Successfully built a referral network of real estate brokers, attorneys, builders, and accountants. * Pro-actively contacted existing clients to determine relationship strength and retain future business. Education/Training * Graduate, Citrus Community College (Glendora, CA), AS, Business Studies, 6/07. * Familiar with MS Word, Excel, PowerPoint, Outlook, and Internet. * Graduate, Bonita High School (La Verne, CA), College Prep Focus, 6/05 Civic * Volunteer, Various Community and School Activities Client references available upon request.

Resume help and career advise? What should I do (carrer-wise) and change(resume)? Objective Seeking a position in which I can use my work experience, focused education, analytical ability, communication Skills, and strong work ethic. Skills Financial Ratio AnalysisFinancial Report CreationSpreadsheet Usage Oral/Written PresentationsMulti-Tasking ProjectsSpecial Projects Employee TrainingPersonnel SupervisionSales Skills Clear CommunicationBudget Cost ControlsSoftware Knowledge Problem Solving AbilityInterpersonal CommunicationAttention to Detail Experience 2006-Present Empire LendingWest Covina, CA Account Executive * Analyzed borrowers’ repayment ability, degree of leverage, and collateral strength using financial ratios. * Supervised the underwriting quality and regulatory compliance of an aggressively growing loan pipeline. * Managed multiple projects simultaneously, achieving objectives under time and resource constraints. * Participated in a variety of real estate-related committees which focused on market and industry trends. * Trained, reviewed, mentored, and supervised a team of new sales staff and sales support personnel. * Prospected, marketed, and closed mortgage loans while assuring accuracy and client confidentiality. * Successfully built a referral network of real estate brokers, attorneys, builders, and accountants. * Pro-actively contacted existing clients to determine relationship strength and retain future business. Education/Training * Graduate, Citrus Community College (Glendora, CA), AS, Business Studies, 6/07. * Familiar with MS Word, Excel, PowerPoint, Outlook, and Internet. * Graduate, Bonita High School (La Verne, CA), College Prep Focus, 6/05 Civic * Volunteer, Various Community and School Activities Client references available upon request.

What is the best job I should apply for? As far as making the most money (resume included)? Objective Seeking a position in which I can use my work experience, focused education, analytical ability, communication Skills, and strong work ethic. Skills Financial Ratio AnalysisFinancial Report CreationSpreadsheet Usage Oral/Written PresentationsMulti-Tasking ProjectsSpecial Projects Employee TrainingPersonnel SupervisionSales Skills Clear CommunicationBudget Cost ControlsSoftware Knowledge Problem Solving AbilityInterpersonal CommunicationAttention to Detail Experience 2006-Present Empire LendingWest Covina, CA Account Executive * Analyzed borrowers’ repayment ability, degree of leverage, and collateral strength using financial ratios. * Supervised the underwriting quality and regulatory compliance of an aggressively growing loan pipeline. * Managed multiple projects simultaneously, achieving objectives under time and resource constraints. * Participated in a variety of real estate-related committees which focused on market and industry trends. * Trained, reviewed, mentored, and supervised a team of new sales staff and sales support personnel. * Prospected, marketed, and closed mortgage loans while assuring accuracy and client confidentiality. * Successfully built a referral network of real estate brokers, attorneys, builders, and accountants. * Pro-actively contacted existing clients to determine relationship strength and retain future business. Education/Training * Graduate, Citrus Community College (Glendora, CA), AS, Business Studies, 6/07. * Familiar with MS Word, Excel, PowerPoint, Outlook, and Internet. * Graduate, Bonita High School (La Verne, CA), College Prep Focus, 6/05 Civic * Volunteer, Various Community and School Activities Client references available upon request.

Career info..what kind of job should I look for? Los angeles? Objective Seeking a position in which I can use my work experience, focused education, analytical ability, communication Skills, and strong work ethic. Skills Financial Ratio AnalysisFinancial Report CreationSpreadsheet Usage Oral/Written PresentationsMulti-Tasking ProjectsSpecial Projects Employee TrainingPersonnel SupervisionSales Skills Clear CommunicationBudget Cost ControlsSoftware Knowledge Problem Solving AbilityInterpersonal CommunicationAttention to Detail Experience 2006-Present Empire LendingWest Covina, CA Account Executive * Analyzed borrowers’ repayment ability, degree of leverage, and collateral strength using financial ratios. * Supervised the underwriting quality and regulatory compliance of an aggressively growing loan pipeline. * Managed multiple projects simultaneously, achieving objectives under time and resource constraints. * Participated in a variety of real estate-related committees which focused on market and industry trends. * Trained, reviewed, mentored, and supervised a team of new sales staff and sales support personnel. * Prospected, marketed, and closed mortgage loans while assuring accuracy and client confidentiality. * Successfully built a referral network of real estate brokers, attorneys, builders, and accountants. * Pro-actively contacted existing clients to determine relationship strength and retain future business. Education/Training * Graduate, Citrus Community College (Glendora, CA), AS, Business Studies, 6/07. * Familiar with MS Word, Excel, PowerPoint, Outlook, and Internet. * Graduate, Bonita High School (La Verne, CA), College Prep Focus, 6/05 Civic * Volunteer, Various Community and School Activities Client references available upon request.

1099 MISC tax question? I tried looking on the IRS website but can't find a definitive answer. We have not sent out 1099's to the IRS yet. We filed an extension since we file electronically. We supplied a 1099 to an employee for a bonus payment that did not need one since the amount would be included on their W2 this year. This isn't the first time this has happened in error in communications with the HR Department on 1099 reportings. Typically we tell the employee that it was issued in error and that we have updated our system so that when we file the 1099 electronically to the IRS, one will not be included for them. Usually that answer is sufficent for them. We have one employee insisting we send a corrected 1099 with the amount listed as zero (per her tax accountant) or they will report us to the IRS. We can certainlly print them a manual form with the amount zero no problem, but I was just curious if anyone knows if we are legally required to reprint a 1099 with the $0 amount. From a technical standpoint, our financial software package, you can't physically print a 1099 with a zero amount. It's impossible once you change a person's status over to a non-1099 or MISC7. So that's why we'll have to manually type one out for her. The employee threatening to report us to the IRS seems a bit overkill given the fact that they work for us. Thanks for your input.

Why don't companies create software in-house, completely? About 1 1/2 years ago, I got tired of looking at amortization programs, because I wanted to have the ability to calculate amortizations and other financial calculations quickly, and without limitations (i.e. I didn't have to have Excel, Open Office, or Crystal Reports, etc. installed). So I wrote my own in C++. My requirements were: - A single executable that handled everything related to amortizations and other financial calculations (such as CAGR, compounding, etc.). - Ability to graph. - Ability to print reports. - And of course the ability to save the data to disk so I can modify it without having to remember the various parameters, etc. - Finally, No installation necessary. Was it worth it? Yes. And it took only 3 months to write it. It exists on my thumb drive and is only 212kb in size (and it's not compressed). Compare that size to just Crystal reports being installed. :) Caveats: - The printing isn't 100% completed, since it doesn't work with smaller borders on some printers, etc. - The graph isn't 100% completed, since I've noticed some minor glitches as I resize the dialog. The reason for this is that the graph has to change it's dimensions dynamically as I expand/contract the window. roo2: But was it not used because of how long it took the team to integrate the product(s), or because of outside political reasons? I too have worked on projects that millions were spent, but the end result is the product was not used because the customer decided to do something else, or the funding wasn't adequate. roo2: I haven't seen a COTS product that hasn't experienced problems in the field in a production system yet. Thus the reason for my post. And to put salt in the wound, if the company has to pay an expert on the COTS product for even a few months, that automatically hits the company for $125+/hr for them to come in.

what does standard deviation means in a statistical report? i am working on a measuring tool that measures the performance for a financial software system; the tool takes about 200 reading about the response time and it calculates values such as , mix, max ,average , median , standard deviation, so i need to know when for the example the tool gave me that the following measurements:- min = 3 seconds max =4 seconds average = 3.6 seconds standard deviation = .29 so what i can recognize from the standard deviation value ,, does it means that .29% of the values are grater than the average , or something like that.?.... and i have note that in on of the graphs it calculates the standard deviation as 9.1,, so i think here we are not talking about a percentage ???

I need to manipulate a massive amount of data. What is the software that I can use to get it done? I have to extract financial information from nearly 31 excel sheets and do a percentage analysis and then use that information to make charts and generate a report. The data in the excel is scattered all over the place and I have no diea how to format it properly. I also haev to add data by segment and present it accordingly Ex A - 2+4+6 = 12 B - 45+56 = 101 The data for A are in multiple cells and what I do now is to to add it, individually, copy paste it to a different worksheet and then take the percentage and analysis the data from 2005,2006,2007 onwards. Isn't there an easy way to do this? I'm totally lost..

How big is ChoicePoint? How big you have to be to become a monopoly? ChoicePoint is an Alpharetta, Georgia-based company that sells information in three markets--insurance, business and government, and marketing. According to a recent quarterly statement filed at the Security and Exchange Commission, ChoicePoint sells: "claims history data, motor vehicle records, police records, credit information and modeling services...employment background screenings and drug testing administration services, public record searches, vital record services, credential verification, due diligence information, Uniform Commercial Code searches and filings, DNA identification services, authentication services and people and shareholder locator information searches...print fulfillment, teleservices, database and campaign management services..." ChoicePoint has managed to attain a large share of the commercial data broker (CDB) market with strategic purchases of other businesses. Since its spinoff from Equifax in 1997, ChoicePoint has acquired a number of information collection and processing companies. These include: National Data Retrieval, Inc., a provider of public records information; List Source, Inc., d/b/a Kramer Lead Marketing Group, a marketing company in the life and health insurance and financial services markets; Mortgage Asset Research Institute, Inc., a mortgage fraud monitoring company; Identico Systems, LLC, a customer identity verification company; Templar Corporation; insuranceDecisions, Inc., an insurance industry claims administration company; Bridger Systems, Inc., a USA PATRIOT Act compliance company; CITI NETWORK, Inc. d/b/a Applicant Screening and Processing, a tenant screening company; TML Information Services, Inc., a provider of motor vehicle reports; Drug Free, Inc., a drug testing company; National Drug Testing, Inc., a drug testing company; Application Profiles, Inc., a background check company; Informus Corporation; a company enabling ChoicePoint to offer products online; Tyler-McLennon, Inc., a background screening company; ChoicePoint Direct Inc., formerly known as Customer Development Corporation, a database marketing company; EquiSearch Services, Inc.; DATEQ Information Network, Inc., an insurance underwriting services company; Washington Document Service, Inc., a court record retrieval service; DataTracks Technology, Inc., a public record information company; DataMart, Inc., a database software company; Statewide Data Services, Inc; NSA Resources, Inc., a drug testing company; DBT Online, Inc., a public record services provider; RRS Police Records Management, Inc., a provider of police reports and related services; VIS'N Service Corporation; Cat Data Group, LLC; Drug Free Consortium, a drug testing company; BTi Employee Screening Services, Inc., an employee pre-screening services company; ABI Consulting Inc., a drug screening company; Insurity Solutions, Inc., an insurance rating company; National Medical Review Offices, Inc.; Bode Technology Group, Inc., a DNA identification company; Marketing Information & Technology, Inc., a direct marketing company; Pinkerton's, Inc., a preemployment screening company; Total eData Corporation, an e-mail database company; L&S Report Service, Inc., a provider of police records; Resident Data, Inc., a residential screening services provider; Vital Chek Network, Inc., a provider of vital records; Accident Report Services, Inc., a provider of police records; Programming Resources Company, insurance software company; Professional Test Administrators, Inc., a drug testing company; CDB Infotek, a seller of public records; Medical Information Network, LLC, an online physician verification service; and Rapsheets.com, an online provider of criminal records data.

Eperian is best described as a/an? 1. Eperian is best described as a/an a. plug-in for a web browser b. credit reporting agency c. a popular anti-spam utility d. a software comany specializicatizing in financial applications 2. an icon or symbol of a closed padlock within the status bar of a browser, such as IE means that a. the current page is secure using SSL b. you need to enter a password to view and / or edit the page c. there have been no changes to the page since you last viewed it d. the browser has encountered an error and has locked up the program 3. quicken is best described as a / an a. type of spam b. one-button method of making an online purchase when you have previously set up an account within a retailer c. personal-finance program d. anti-virus program 4. the ability to buy stocks and bonds through the internet is genearlly referred to as: a. e-broker b.. online finance c. web invest d. virutural stock market

how to get rid of this windows security alert virus in windows xp ? pls help. it shows as below? This website has been reported as unsafe We strongly recommend to discontinue the use of this website. Register your computer's security software This website has been reported to Microsoft for containing threats that might steal personal or financial information from your computer More information

What do you think about Polaris Software Labs India Ltd a reputed Indian Software MNC? Polaris Software Labs India Ltd that is an Indian MNC, and is one of the most reputed software company world wide specializes in BFSI segment has made some announcements to the employees: 1. They have decided to freeze the leave for year 2009 and will revisit this decision in Dec 2009 if they can give leave in 2010 or not? This applies to all the locations worldwide other than India because that is illegal in India. 2. The employees had accrued vacations over years because company had policy of compensate the leave balance with wages. Last week they announced that there will not cash for the leave and all the leave balance so far will not be paid. In turn, employees lost 40-50 days leave money that amount to 15+ thousand US dollars. 3. There are talks of pay cuts for employees in coming days. 4. There are talks for employee contribution for insurance. On the other hand there are reports in Indian news papers quoting the CEO and other Senior management that: 1. Company acquired a US Insurance product firm called SEEC Inc. a couple of months back. 2. Company is opening a new facility near Chennai that will cost 350 MN INR. 3. Company is doing extremely well and financial melt down has impacted only US banks but there are 185 other countries to do business. Probably company is taking advantage of current financial situation in market and just taking away money from employees. It seems like the only thing left is, to take away passports from employees on arrival to on-site location. What do you think, is company taking money from employees and expanding business? What do you think, what company is doing is it legal and ethical? What do you think, the employees who joined hands with the organization to bring company to this level being treated this way is good for company? What do you think, would this encourage employees to work hard for the company and would not have impact on the productivity of the employees? What do you think, these decisions would impact not only Polaris as employer but the client where the employees are stationed? Does the CEO Arun Jain still remembers the days on Vijay Super when he was struggling to start the company?

Home Business Accounting Software? I have a home business for small companies that benefit from outsourcing administrative tasks rather than hiring an employee. Currently, I use Excel spreadsheets that I have created and MS Money for tracking financials and I am looking at some new software to help me manage things better, give my clients better monthly reports, and begin to help me add payroll to my services. Does anyone know much about the AME Accounting package? I am thinking about purchasing it but thought I would get more insight from other Yahoo users. I am not an Accountant, but a good bookkeeper and thought that this would be a good program for me to use for the small companies I work with. You can find this software package at www.amesoft.com if you have the time to check it out for me. Tell me what you think or give me suggestions on other programs......But not Quickbooks....hate that one.

Can someone help me revise the personal statement? (i really don't know how to start with the first paragraph) During the four years of my undergraduate study, I have taken numerous courses in Accounting, Finance, and Business Management. This has exposed me to the various aspects of the accounting field and prepared me to learn more for the future career objectives. In July 2007, I started my first job as a Financial Clerk in ABC company. My activities within this position included accounts receivable, accounts payable, bookkeeping, and office’s budget. Through this job, I applied my accounting theory in a real-world environment, ...(can someone make it complete?) After one year experience in ABC company, I was employed by DEF Bank as a Marketing Officer. This job not only had extremely demanding requirement on marketing skills but also made highly demands in the analytic capability. As a marketing officer who served most of the local companies, I must know my customers well by means of examining companies’ financial reports, checking their business documents, etc., to ensure that they had normal background and business relationship so as to protect our bank against fraud and money laudering. Furthermore, I must ensure that all my performances were compliant with bank policies and procedures. In addition to this position, I have been responsible for the branch’s IT maintainance because of my proficient computer skills. In this capacity, I got the chance to be familiar with a number of softwares used to facilitate accounting procedures. The two years banking experience provides me a lot in my early career: the communication and negotiation skills, the knowledge of gerneral accounting procedures, the hands-on experience in risk analysis, especially, the real interest in the internal auditing field. In August 2007, I resigned from DEF Bank and then participated in a cultural exchange program in U.S. The true personal reason is capitalizing this change to improve my English and pursue my master’s degree in U.S. Since arriving alone in U.S. in September 2007, I have enjoying the satisfaction of knowing that I can accept challenges, remain focused and achieve what I set out to accomplish. While keeping my aims constantly in view, I took some courses at Anne Arundel Community College and USDA Graduate School to enhance my English and maths skills for the future education. Through my effort, I have developed excellent communication skills with people of different cultural backgrounds. I also got “A” grades in all my registered courses. My long-term goal is to pursue a career as a CPA with a public accounting firm. For this reason, I am seeking a professional accounting program that will further my professional objectives and fulfill my educational requirements. I sincerely believe that, the three years working experience in financial department, coupled with my education in finance and my strong desire for professional growth in my interested area, will enable me to successfully fulfil the Master of Science in Business Accounting program.

What is your point of view on investing using Fundamental Analysis compare to Technical Analysis? There are 2 main groups of Investors. The first group make research solely on Fundamental Analysis. They learn and study everything about the company, product, management, financial reports, analysis reports and etc......including news. The second group research only on the Technical Charts of the stock. They based their findings on the Candlesticks, Indicators and sometimes charting softwares as well. Both have their own pros and cons from the research itself. I have known some Traders make money from only one kind of research and wouldn't want to go the extra mile to research the other. What is your point of view?

How big is Choice Point? How many companies have they bought? Does it smell like Monopoly? ChoicePoint is an Alpharetta, Georgia-based company that sells information in three markets--insurance, business and government, and marketing. According to a recent quarterly statement filed at the Security and Exchange Commission, ChoicePoint sells: "claims history data, motor vehicle records, police records, credit information and modeling services...employment background screenings and drug testing administration services, public record searches, vital record services, credential verification, due diligence information, Uniform Commercial Code searches and filings, DNA identification services, authentication services and people and shareholder locator information searches...print fulfillment, teleservices, database and campaign management services..." ChoicePoint has managed to attain a large share of the commercial data broker (CDB) market with strategic purchases of other businesses. Since its spinoff from Equifax in 1997, ChoicePoint has acquired a number of information collection and processing companies. These include: National Data Retrieval, Inc., a provider of public records information; List Source, Inc., d/b/a Kramer Lead Marketing Group, a marketing company in the life and health insurance and financial services markets; Mortgage Asset Research Institute, Inc., a mortgage fraud monitoring company; Identico Systems, LLC, a customer identity verification company; Templar Corporation; insuranceDecisions, Inc., an insurance industry claims administration company; Bridger Systems, Inc., a USA PATRIOT Act compliance company; CITI NETWORK, Inc. d/b/a Applicant Screening and Processing, a tenant screening company; TML Information Services, Inc., a provider of motor vehicle reports; Drug Free, Inc., a drug testing company; National Drug Testing, Inc., a drug testing company; Application Profiles, Inc., a background check company; Informus Corporation; a company enabling ChoicePoint to offer products online; Tyler-McLennon, Inc., a background screening company; ChoicePoint Direct Inc., formerly known as Customer Development Corporation, a database marketing company; EquiSearch Services, Inc.; DATEQ Information Network, Inc., an insurance underwriting services company; Washington Document Service, Inc., a court record retrieval service; DataTracks Technology, Inc., a public record information company; DataMart, Inc., a database software company; Statewide Data Services, Inc; NSA Resources, Inc., a drug testing company; DBT Online, Inc., a public record services provider; RRS Police Records Management, Inc., a provider of police reports and related services; VIS'N Service Corporation; Cat Data Group, LLC; Drug Free Consortium, a drug testing company; BTi Employee Screening Services, Inc., an employee pre-screening services company; ABI Consulting Inc., a drug screening company; Insurity Solutions, Inc., an insurance rating company; National Medical Review Offices, Inc.; Bode Technology Group, Inc., a DNA identification company; Marketing Information & Technology, Inc., a direct marketing company; Pinkerton's, Inc., a preemployment screening company; Total eData Corporation, an e-mail database company; L&S Report Service, Inc., a provider of police records; Resident Data, Inc., a residential screening services provider; Vital Chek Network, Inc., a provider of vital records; Accident Report Services, Inc., a provider of police records; Programming Resources Company, insurance software company; Professional Test Administrators, Inc., a drug testing company; CDB Infotek, a seller of public records; Medical Information Network, LLC, an online physician verification service; and Rapsheets.com, an online provider of criminal records data.

questions on building a small company with IT tools? Hi! Any IT specialists from Singapore, able to tell me what are the things required for: Coporate Communications HR & Administration Internal Audit Finanace and Accounting and usually for CEOs, General Managers and CFO, what kind of laptops/computers/softwares do they need? A little more information, under Coporate Communications, the things that they do are like Press releases to the media, Mass media communications(like posters,flyers) , and reports and documentations. what are the IT stuff that they need? Same for the rest, all the IT things required. For Administration, they do things like payroll, recruitment, staff leave. For Sales & marketing, its like market development, advertising and promotions, sales and marketing, customer relationship maintenance and so on. Internal Audit, they do regular auditing, IT audit and software licensing. Finance and Accounting, they do bugeting, financial and managerial accounting, forecasting, reports and documentations. Please help me!

Is this credit card a good choice for me...? I have bad credit... or none, i cant get approved for anything else and dont understand all the red tape! HELP! does anyone have this card? THE ORCHARD BANK CREDIT CARD 200 min security deposit 35 dollar annual fee Variable Rate Information Your APRs may vary. The rates are determined monthly by adding the Index (described below) and: 6.65% ("Spread") for the Customary APR for credit card purchases. 16.90% ("Spread") for the Cash APR for cash advances, including balance transfers, if applicable, and cash advances made by credit card check. 22.24% ("Spread") for the Default APR. For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest (U.S.) "Prime Rate" published in the Money Rates Table of The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change. Grace Period for Repayment of Balances for Purchases You have 25 days from the date of the periodic statement to avoid a Finance Charge on new credit card purchases, provided you paid your previous balance in full. Method of Computing Balance for Purchases Average Daily Balance (including new purchases). Annual Fee $35 per year Minimum Finance Charge $1.00 for each billing cycle in which a Periodic Finance Charge is payable. Foreign Transaction Fee Finance Charge 1% of the U.S. dollar amount will apply to transactions made in a foreign currency. Cash Advance Fee:$5 or 5% on all cash advances, whichever is greater; unless otherwise disclosed. Finance Charges accrue from the date of transaction. Cash advances will be limited. Your cash advance limit is disclosed on your billing statement. Late Payment Fee: The Late Payment Fee will vary based on the amount of your outstanding balance on your Payment Due Date, and will be: $30 if your balance is more than $0 up to and including $1000; or $35 if your balance is greater than $1000. Overlimit Fee: $30. Accessing the full amount or most of your available credit may result in an overlimit fee. Credit Limit Increase (CLI) Fee: If requested and approved, a CLI fee of up to $50% of the CLI may be charged to your Account, depending on your creditworthiness. Closed Account Service Fee: $3.50 per month on closed accounts with a debit balance. The variable Customary APR will apply to credit card purchases. The variable Cash APR will apply to cash advances, including balance transfers, if available, and cash advances made by credit card check. If at any time your Account is subject to the Customary and/or Cash APRs, and you fail to make at least your Minimum Payment in time to be credited to your Account by the Payment Due Date, or your Account exceeds your credit limit, your entire Account balance will increase to the Default APR. Note: The Orchard Bank Secured MasterCard requires a minimum deposit of $200 for a minimum $200 line of credit. For more information on the Orchard Bank Secured MasterCard, see our Secured Card FAQs. At our discretion, payments are generally applied to interest, fees, and then principal balances. We apply your payments to lower APR balances before higher APR balances. The application of payments is subject to change at any time, without notice. IMPORTANT INFORMATION There is a maximum of two (2) Accounts issued by HSBC Bank Nevada, N.A. per customer. If within 90 days of your Account open date, you decide you do not want the account, you can call the customer service number provided on the back of your card to cancel. Any fees, if assessed, will be reversed at no cost to you if you have not used the card. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Notice to California Residents: Except otherwise limited by applicable law, we may provide credit information about your account to our affiliates from time to time. This information may be used to qualify you for other credit offers. Married persons may apply for a separate account. Notice to New York Residents: Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports. Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. Notice to Married Wisconsin Residents: No agreement, court order, or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision. You must indicate your marital status for this application to be processed. INTEREST RATES AND FINANCE CHARGES Interest Rates The APRs on your Account are variable rates and are determined by adding a specified amount ("Spread") to an Index (described below). The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate is used to determine the amount of Periodic Finance Charges (see Finance Charges). Monthly Index For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest (U.S.) "Prime Rate" published in the Money Rates table of The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change. An increase in the Index will increase your applicable Daily Periodic Rates which may increase the Finance Charge due on your Account and may increase the Minimum Payment and Current Payment Due. Each time any APR changes, we will apply it to any existing balances, excluding any fixed rate Promotional or Introductory APR. Purchase APR Your variable Customary APR applies to credit card purchases. The Daily Periodic Rate is based on 1/365th of the Index plus 6.65% ("Spread"). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .04082% (corresponding 14.90% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .04082% (corresponding 14.90% ANNUAL PERCENTAGE RATE). Cash APR Your variable Cash APR applies to cash advances, including balance transfers, if available, and cash advances made by credit card check. The Daily Periodic Rate is based on 1/365th of the Index plus 16.90% ("Spread"). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .06890% (corresponding 25.15% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .05726% (corresponding 20.90% ANNUAL PERCENTAGE RATE). If at any time your Account is subject to the Customary and/or Cash APRs, and you fail to make at least your Minimum Payment in time to be credited to your Account by the Payment Due Date, or your Account exceeds your credit limit, your entire Account balance will increase to the variable Default APR. At our discretion, your Account may return to the Customary APR after five consecutive months of on-time payments of at least the Current Payment Due, without exceeding your credit limit. Default APR The Daily Periodic Rate for the variable Default APR is based on 1/365th of the Index plus 22.24% ("Spread"). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .08353% (corresponding 30.49% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .08079% (corresponding 29.49% ANNUAL PERCENTAGE RATE). Finance Charges Finance Charges are the total of the greater of (a) Minimum Finance Charge, or (b) periodic Finance Charges, and any applicable (c) Cash Advance Fee Finance Charges, (d) Foreign Transaction Fee Finance Charge, (e) Credit Limit Increase Fee Finance Charge, (f) Closed Account Service Fee Finance Charges, and (g) Processing Fee Finance Charge. (a) Minimum Finance Charge. A Finance Charge that is assessed in lieu of a lesser periodic Finance Charge in any billing cycle in which a periodic Finance Charge is payable. This fee is $1.00. (b) Periodic Finance Charges. Periodic Finance Charges are computed by multiplying the Average Daily Balance for each category of transactions shown on your statement (e.g., purchases, balance transfers, cash advances) by the applicable Daily Periodic Rate and then multiplying the result by the number of days in the billing cycle. To calculate the Daily Balances, we take the beginning debit balance for each category of transactions each day, add any new transactions, any previous day's periodic Finance Charges, any assessed fees and charges, and subtract any payments and/or credits. If a debit transaction posts after the beginning of your billing cycle, but the transaction occurred prior to the beginning of your billing cycle, the applicable Daily Balance will be adjusted to include the transaction amount and any previous day's periodic Finance Charges for each day the transaction amount was outstanding prior to the beginning of the current billing cycle. Then, for each transaction category, we add the Daily Balances for the billing cycle together and divide the total by the number of days in the billing cycle. This is the Average Daily Balance for each transaction category. (1) Credit Card Purchases. Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to your Account. However, there is a 25 day Grace Period on new credit card purchases. That means, if the New Balance shown on your last statement is paid in full by the Payment Due Date for that statement, periodic Finance Charges will not be imposed on new credit card purchases, provided the New Balance for the current billing cycle is paid in full by the Payment Due Date for that billing cycle. If, however, the New Balance is not paid in full by the Payment Due Date for the immediately preceding billing cycle, periodic Finance Charges will be incurred on new credit card purchases (i.e., purchases appearing for the first time in the current cycle) from the date of the transaction and on the previously billed but unpaid credit card purchases form the first day of the current cycle. (2) Cash Advances (including balance transfer and credit card checks). Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to your Account. There is no Grace Period on cash advances. Periodic Finance Charges will be calculated using the Daily Periodic Rate in effect on the statement closing date. (c) Cash Advance Fee Finance Charges. Cash advances include all advances to get cash over the counter, through an ATM, balance transfers (if available), credit card checks, or other "cash-like" transactions (such as purchasing a money order, traveler's check, casino or betting chip, or a lottery ticket) as determined by us. A Finance Charge will be computed on the amount of each cash advance as of the date of the transaction. The Cash Advance Fee FINANCE CHARGE for all cash advances is 5%, subject to a minimum FINANCE CHARGE of $5, unless otherwise disclosed. (d) Foreign Transaction Fee Finance Charge. A Foreign Transaction Fee FINANCE CHARGE equal to 1% of the U.S. dollar amount is assessed on transactions made in a foreign currency, as of the transaction date. (e) Credit Limit Increase Fee Finance Charge. If you request and are approved for a credit limit increase ("CLI"), a CLI Fee FINANCE CHARGE of up to 50% of the CLI may be assessed to your Account, depending on your creditworthiness. (f) Closed Account Service Fee Finance Charge. A $3.50 per month FINANCE CHARGE is assessed to the Account for each billing cycle whenever that Account is closed with a debit balance. The application of any Finance Charge other than a periodic Finance Charge may cause the APR on the billing statement on which this Finance Charge first appears to exceed the Nominal APR. ACCOUNT FEES Annual Fee/Periodic Membership Fee Your Account is subject to a $35 Annual Fee for each year your Account is open or closed with a balance. If you close your Account within the first 90 days your Account is open, the Annual Fee is refundable so long as you have not used the Account. Late Payment Fee A Late Payment Fee is assessed for each billing cycle in which at least the Minimum Payment, and any amount past due, is not paid in time to be credited to the Account by the Payment Due Date. The Late Payment Fee will vary based on the amount of your outstanding balance on your Payment Due Date, or during the period up to 5 days after your Payment Due Date, as determined by us, and will be: $30 if your balance is more than $0 up to and including $1000; or $35 if your balance is greater than $1000. Overlimit Fee An Overlimit Fee is assessed if your Account balance exceeds the applicable credit limit at any time during a billing cycle. We may impose this fee even if we authorize or impose any charges that cause your balance to exceed the credit limit. This fee is $30. Other Fees and Charges Returned Payment Fee A Returned Payment Fee is assessed to your Account each time a payment check, automatic payment deduction, or other payment method is not honored or is returned unsatisfied by the bank or other financial institution. Any payment returned unsatisfied for any reason may be reposted to any type of transaction (i.e. cash advance, purchases, etc.) and Finance Charges may be reinstated back to the payment date at the APR being charged for that transaction. This fee is $30. Returned Check Fee A Returned Check Fee is assessed to the Account each time a credit card check, balance transfer check (if available), electronic check or other Account access device is returned unsatisfied by us for any reason. This fee is $30. Check by Phone A Check by Phone Fee may be assessed to the Account each time a payment is made by telephone, even if the payment is made by someone other than you. The amount of this fee will be disclosed at the time such payment is requested. Stop Payment Fee A Stop Payment Fee is added to the cash advance balance when a payment of a credit card check is stopped at your request. Payment may be stopped on a credit card check by notifying us in writing or by calling us at the telephone number listed on the Account billing statement, so long as such check has not already been processed. A stop payment request must include the check number, payee, amount and date of the credit card check on which payment is to be stopped. If a stop payment is requested by telephone, the call must be confirmed in writing within 14 days. A written stop payment will remain in effect for six months unless renewed in writing. This fee is $29. Send stop payment requests to P.O. Box 81622, Salinas, CA 93912-1622. Research Fee A $7 Research Fee is assessed to the Account for each sales slip copy, $3 for each statement copy, and $10 for each application copy upon request. ADDITIONAL TERMS Arbitration The Cardmember Agreement and Disclosure Statement ("Agreement") that you will receive with your card, if you are approved for credit, provides that certain disputes are subject to binding arbitration. Arbitration replaces the right to go to court, including the right to a jury and the right to participate in a class action or similar proceeding. Please read the "Arbitration" section of the Agreement carefully. YOUR BILLING RIGHTS What To Do If There's An Error In Your Bill YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at the address listed on your billing statement. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. Please include the following information in your letter: Your name, account number and signature; The dollar amount of the suspected error; and Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it is due. If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to us within ten days telling us you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. Upon settlement of the dispute, we must tell everyone we report you to that the matter has been settled. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CREDIT CARD PURCHASES If you have a problem with the quality of property or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or if not, within 100 miles of your current mailing address. (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. HSBC Card Services Inc. and/or HSBC Card Services (II) Inc. provide processing services for HSBC Bank Nevada, N.A. You may write to us at the address shown on your billing statement or HSBC Bank Nevada, N.A., 1111 Town Center Drive, Las Vegas, Nevada 89144. Orchard Bank, Household MasterCard and HSBC credit cards are issued by HSBC Bank Nevada, N.A. in Las Vegas, Nevada and serviced by its affiliates HSBC Card Services Inc. and/or HSBC Card Services (II) Inc. Not available to those consumers residing outside the United States. Offer void for all existing Household Bank and Orchard Bank MasterCard Cardmembers. Important Information To receive, view, and save disclosures and Account Information electronically, you must have a personal computer equipped with Netscape 4.0, Microsoft Explorer 4.0 or AOL 5.0 or later, and either a printer, a hard drive, or other storage device. You must also have a valid email address. As paperless communication options become available, our cardholders will be able to choose which communications to receive electronically, and which to receive via standard mail. We will notify you in advance of sending such electronic disclosures and Account Information. You must notify us if your email address changes in order to continue receiving disclosures and Account Information electronically. You may withdraw your consent to receive disclosures and Account Information electronically at any time. However, if you withdraw your consent, future disclosures and Account Information will be sent via U.S. mail. You have the option to request any information that we have provided electronically in paper form. To notify us of your new email address, withdraw your consent, or to request a disclosure or Account Information in paper form, please contact us by calling the phone number on the back of your credit card or write us at Bankcard Services, P.O. Box 80084, Salinas, CA 93912-0084. Electronic Agreement: I agree to receive disclosures and other Account Information electronically. I confirm that I have the software and computer equipment that satisfies the requirement above and that I will download or print the disclosures and other card related communications for my records. Additionally, by clicking the YES button, I acknowledge that I am providing my consent to receive electronic communications Terms and ConditionsAnnual Percentage Rate (APR) for Purchases Variable Customary APR: 14.90%1 will apply. Minimum Customary APR: 14.90% Other APR's Variable Cash APR: 25.15%2 (Minimum Cash APR: 20.90%) Variable Default APR: 30.49% (Minimum Default APR: 29.49%) Variable Rate Information Your APRs may vary. The rates are determined

help i have no idea wat this means some body explain in short text 10 points best answer in plain explantion? it is a question

Report: Sony expecting twofold full-year game losses? what do you think ? Sony has said in an interview with Reuters that its electronics division will beat its target operating margin for Sony's financial year to March 2008, but the company is now expecting its video game division to record double the loss initially forecast. Console manufacturers such as Sony generally make a loss on their consoles, which cost more to produce than they recoup in the sale price, and make the money back selling software for the platform over the unit's lifetime. Manufacturing the PlayStation 3 is estimated to have cost the company ¥100 billion (approx $870 million). Sony is expecting a larger full-year loss than it had previously forecast in the video games division after reporting on Thursday that it was aiming for break even in the second half of its financial year, after a loss of ¥126 billion ($1 billion) in the first half. However, the electronics division, buoyed by LCD TVs, is likely to exceed targets of a 4 percent operating margin by one perce

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discussion question? Another type of financial data that could benefit from using the XBRL accounting software would be for IRS Tax Returns, such data as redemptions, wages, salary, and total income could all be assigned a XBRL data field to represent that particular data. Additional the report could bee used by both consumers and the government. On every tax return an adjusted gross income is the information used to determine additional taxes or credits. Tax preparation could then b streamlined, accurate and more reliable and understandable to the average user as well, being computer friendly toward the consumer; currently XBRL is limited to corporations and has not addressed expanding to small businesses.

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Money makes you SAD/ANGRY/MEAN/HAPPY?>>>please read full article before answering!?

Advice needed on Career....??? I hold a master's in business administration (Finance) and currently working on finance domain in an IT industry on software implementation for past one year. Now I am moving to financial services industry as analyst. My profile will include analysis of sectors and then writing reports for media usage and other investors. It allows me to meet the fund managers and so on. I am interested in this field. Is it a good way to start off my career in financial services industry? From here where i can look forward in the future?

Career advice needed..?? I hold a master's in business administration (Finance) and currently working on finance domain in an IT industry on software implementation for past one year. Now I am moving to financial services industry an analyst. My profile will include analysis of sectors and then writing reports for media usage and other investors. It allows me to meet the fund managers and so on. I am interested in this field. Is it a good way to start off my career in financial services industry? From here where i can look forward in the future?

Career Help needed...!!? I hold a master's in business administration (Finance) and currently working on finance domain in an IT industry on software implementation for past one year. Now I am moving to financial services industry as equity analyst. My profile will include analysis of sectors and then writing reports for media usage and other investors. It allows me to meet the fund managers and so on. I am interested in this field. Is it a good way to start off my career in financial services industry? From here where i can look forward in the future?

i want to settle in edmonton , C.A.,need audit or import manager for garment importer directory website need ISITHORE LOURDURATHINAM Email: isithore@rediffmail.com or newmen@rediffmail.com Dear In the August of this year I will be permanently relocating to the Edmonton area. I am forwarding the attached resume for your evaluation because of my desire to contribute my comprehensive experience in the accounting and auditing field. I have 12 years experience involving all aspects as a C.A can do. My responsibilities include range of activities ,noted in my resume. My experience also include Accounting practice, book keeping, ERP implementation, system analyst for software development, internal audit, consultancy, inventory and stock audit, audit of Nationalised bank, taxation service etc., Thank you for your consideration. Sincerely, Isithore OBJECTIVE Seeking a challenging position in the field of Internal Audit /Cost Audit/ Book keeping/ERP Implementation Projects, where my practical work experience & education can be utilized. Also within an Organization which will allow me to implement all of my skills & experience, preferably in Accounting Firm or Knitted garment manufacturing/trading unit. SKILLS SUMMARY •Over Seven years experience as Cost auditor, as integral part of my audit practice profession. •Practicing Chartered Accountant for 12years as F.C.A., under ICAI Act INDIA. •Experienced working with software projects, as system analyst , consist of Flow chart preparation for each modules, Logic framing and Entry screen formats MIS Report designing •For composite knitted garment large scale unit, and Aluminium industries. •Knowledge of Knitted garment manufacturing system including costing and budgeting •Computer skills with MS-Office, Tally Accounting Package, also using many tailor made packages and book keeping, internet. •Equally effective working in management project and as a member of Team. •Ability to motivate, support and train team members •Ability to think open-mindedly and be creative evens in most routine of situations. •Effective team worker with excellent initiation, co-ordination and motivational skills. •Focusing and objective in my work approach with an attitude of getting the work done, especially under pressure. •Possessing garment Merchandiing and Quality control Diploma WORK HISTORY Practicing Chartered Accountant: 1995 to Till Date F.C.A under The Institute of Chartered Accountant Act as full time practitioner As consultant & service provider in the following Field: - •Income Tax, Sales Tax – Preparation, Finalization, Representation. •Book keeping through various Accounting Packages •System Analyst for software projects •Cost auditor for Composite knitted garment industries & other manufacturing industries, on assignment basis. •Arrangement of Financial Assistance for corporate and non-corporate from various Financial Institution. •Installation of effective Internal Audit system for various industries & implementation of systems & training for audit team. •ERP implementation contract on assignment basis, which consist of: - Installation of ERP Packages Selection of staff requirement from the unit Framing internal audit systems Training and evaluation of performance Conducting review meeting Framing corrective action Generating MIS reports Submission of MIS reports to top level management Removing operational conflicts Maintaining the ISO standards EDUCATION •Bachelor of Commerce from Madurai Kamaraj University •Chartered Accountant from Institute of Chartered Accountant of India, New Delhi •Diploma in Computer Application at Micro Computer Systems PROFESSIONAL TRAINING •Completed 200 hrs at various specialized seminars under Continuous Professional Education by Institute of Chartered Accountants of India. •Attended various seminars by Taxation Authority COMPUTER SKILLS •Working knowledge of Ms-Office, Word, Excel & PowerPoint •Tally Accounting Package, I

For those of you who are not sure which job works for you, here are some of US highest paying jobs!!!? I hope this helps you to decide your future job!!! Feel free to write any comments and jobs (your current job) that pays well. Highest-Paying Jobs in the US Do what you love and the money will follow is great in theory, but the truth of the matter is, certain jobs and fields simply pay more. The Bureau of Labor Statistics National Compensation Survey showed, for example, that white-collar earnings, which averaged $21.85 per hour, were the highest among occupational groups. Blue-collar pay averaged $15.03 per hour, while the hourly pay of service occupations averaged just $10.40. The jobs that pay the most require at least a four-year college degree. According to the most recent data from the Employment Policy Foundation, the nation’s 12 top-paying jobs -- and the mean annual income reported in 2003 for each -- were: Top Paying Jobs Overall • Physicians and surgeons -- $147,000 • Aircraft pilots -- $133,500 • Chief executives -- $116,000 • Electrical and electronic engineers -- $112,000 • Lawyers and judges -- $99,800 • Dentists -- $90,000 • Pharmacists -- $85,500 • Management analysts -- $84,700 • Computer and information system managers -- $83,000 • Financial analysts, managers and advisors -- $84,000 • Marketing and sales managers -- $80,000 • Education administrators -- $80,000 Though many of these occupations require an advanced degree, there are jobs at every education level that pay more than other jobs for workers with similar levels of schooling. Here, courtesy of the Employment Policy Foundation, is a look at the best-paying occupations at varying education levels: Top Paying Jobs That Do Not Require a High School Degree These jobs tend to require substantial on-the-job training and work experience rather than formal education and schooling: • Industrial production managers -- $36,000 • Bailiffs, correctional officers and jailers -- $36,400 • Drafters -- $36,000 • Construction manager -- $33,600 • Electricians -- $31,900 Top Paying Jobs for High School Graduates These occupations emphasize work experience and on-the-job training rather than formal education: • Computer software engineers -- $58,900 • Computer/information systems managers -- $56,400 • Computer programmers -- $55,000 • Network systems and data communications analysts -- $49,000 • General and operations managers -- $48,000 • Database, network and computer systems administrators -- $48,000 Top Paying Jobs for a Two-Year College Degree The following jobs tend to be technical in nature, emphasizing skills developed on the job as well as job-specific training and certifications: • Healthcare practitioners -- $66,000 • Business analysts -- $58,000 • Electrical and electronic engineers -- $57,000 • Mechanical engineers -- $56,800 • General and operations managers -- $54,000 • Computer and information systems managers -- $50,400 "A look at expected earnings over a lifetime shows the economic benefit of higher education attainment," says Tony Carnevale, who chaired President Clinton’s National Commission for Employment Policy and authored several books, including "America and the New Economy: How New Competitive Standards are Radically Changing American Workplaces." A person with a doctoral or professional degree, for example, is expected to earn about $3 million over the course of his or her working life while a person without a high school diploma is expected to earn less than $1 million. "Despite an increasing supply of well-educated workers, the college wage premium has nearly doubled since 1980, largely because of the added value of a college education in the new knowledge economy," adds Carnevale. The Employment Policy Forum concurs, but stresses that these numbers are only averages. Individual earnings depend on many factors inducing geographic location, employer size (average hourly earnings ranged from $15.06 in organizations employing between 1 and 99 workers to $24.09 in those with 2,500 workers or more), industry (workers in goods-producing industries earned $18.46 an hour vs. those in service-producing industries who earned $16.44 an hour) and the worker’s skills and characteristics.

How should I handle an overbearing co-worker who comes across as wanting to take over? Here's the scenario: I was hired on full-time earlier this year to work with a financial institution, in their IT department. My primary focus is monitoring bank machines, and dispatching service when needed. I also do configuring of network equipment to send to new sites, as well as some troubleshooting if a part of the network should go down, but those duties are usually done if I am required to fill in for co-workers who are absent. One person could easily handle my primary duties, but they ended up transferring someone from another department to work along-side of me. The reason was so that we could provide coverage to our clients from 7am until 7pm. This co-worker has in-depth knowlege and training about the system and it's software, which is another reason he was hired to work in my department. The problem is that he seems to want to completely take over and run the show. I admire his enthusiasm, but he tends to undermine me a lot. Whenever I have a suggestion, he shoots it down. If I am on the phone with a client, often times he will overhear my conversation, attempt to interrupt me, and try to tell me how to do my job, or he will insist on taking over the call. I am left looking clueless. He wants to learn about our network, which is commendable, however many times he will attempt to access equipment that he really has no business being in. Many times I will be working on a project and he'll interrupt me with a constant barrage of questions about a device that has nothing at all to do with the job at hand. Sometimes he'll ask me to log into a device so he can "check it out". I admire his willingness to learn, but it makes me look really bad. We shouldn't be looking at that equipment, let alone logged into critical areas of it. I have to look over his shoulder when we're logged in, because heaven forbid he should enter a command and take something down, it would be my neck because I am the one who let him in there. He knows I don't enjoy that, but he keeps insisting that he look at this or that. At the end of our shifts, we are required to submit reports about what took place during our shift. I try to keep my reports simple and to the point. I'll include what I feel is pertinant. He, on the other hand, writes novels. His reports are typical 2 or 3 pages long. Often times if my report gets e-mailed out first, he'll respond in his report about something in mine that he felt was wrong. It seems he feels obligated to respond to each and every e-mail that the other team members send out to the team, whether it pertains to the job at hand or not. He's got to have his hand in everything. It's annoying. I feel like I'm being pushed out the door because he's so gung-ho and tries to take over. The sub-department, where I came from, is very short-handed right now, and I am afraid they are going to yank my current position right out from under me and give it to him, and try to force me back into my previous department, which I would really rather not go back to. Of course I would rather do that than be out of a job, but what I would really prefer is to do the job that I was hired to do. I have mentioned some of my concerns to the boss. Perhaps I need to chat with him again. What I don't want to do is ruffle feathers, find myself out of a job. Ok, let's hear some suggestions for how I could handle this!

I am D.A.E(Mech).I received a job offer from Benin oil corporation as a Maitenance Engineer.Is it possible? I am quqlified Diploma of Associate Engieer(Mechanical) This qualifiication is based 03 years study after Matriculation (Total study period 13 years). 3. I am presently studying B.Tech.(Bachlor of Technology,04 years study after D.A.E, Which consists of 08 Semesters .However I am in 4th semester . This Degree is not Equivalent to B.E(Bachlor of Engineering in Pakistan) I have 5 Years experience in Fuji Fertilizers Compny,as Mechanical Technician(Stationary Equipment Fabrication /Maintenance) Benin Oil Corporation Limited Benin LOT: 7854/62 BENOC AVENUE, ZONE INDUSTRIELLE PORT NOVO TEL: 00229- 93022315, 00229- 97528005 CONFIDENTIAL! BENIN OIL CORPORATION JOB REF: BENOCBJI67/21563755 DATE: APRIL 10TH, 2008 ATTENTION: JAVAL IQBAL CONTRACT AGREEMENT/ APPOINTMENT LETTER 1.0EXECUTIVE SUMMARY We have in file, your Resume, Job Application and Answers to the Official Interview. After the evaluation of these documents, we found you qualified to work with our Team. Hence, BENIN OIL CORPORATION Seek to employ your services as an expatriate consultant for the provision of expatriate services as stipulated in the following acts in this document. This document embodies the approved Terms for the purpose of this contract. 2.0JOB TITLE/UNIT MAINTENANCE ENGINEER 3.0JOB COMMENCEMENT/ LOCATION The work Location will be within the work metropolis of BENIN OIL CORPORATION Facility Plant. You are to report immediately to the HR Manager after your arrival for brief elaboration about the company and other logistics before you start duty. 4.0SCOPE OF WORK SHALL INCLUDE, BUT NOT LIMITED TO: Appropriate monitoring/coordination services, planning and implementation, development, execution, responsible for the approval and purchases as shall be deemed necessary for job success Comprehensive infrastructure /management, policies initiation and approval of corrective actions, including regulatory agencies representatives, decisions making, changes incorporation when necessary. Quality assurance, Quality control, corporate liaison work with one or more project team, or steering committee, senior managers and other key influences, possession and maintenance of outgoing and incoming policy and operations manuals. You shall be expected to work lead a team of prime experienced project personnel’s with the mandate to provide excellent services. You shall also be expected to meet/liaise with the entire management board of BENIN OIL CORPORATION For overview and updates bi-monthly 5.0CONTRACT PERIOD/ DURATION This contract is for the period of one year, starting for the date of your arrival to Benin, after one year Contract can be renewable. 6.0SALARY INDICATION Monthly Salary: US$12,000 (Twelve Thousand United States Dollars) You will be eligible to receive US$11,920 (Eleven Thousand Nine Hundred and twenty United States Dollars) –Basic (Tax exclusive) Monthly. Funds can be transferred to any Bank designated by you and this must be in conformity with the present tax situation of the Country. Work time shall be 40 hours work week for the Twelve (12) month contract term as such employee shall also be entitled to over-time allowance if employee work time exceeds the official stipulated hours. Salary shall also be liable to increments with time and employees' official promotions and position in service. 7.0ALLOWANCES/ ENTITLEMENTS Hazard/Inconveniences: US$560.00 (Monthly) Car Maintenance: US$1,089.00 (Monthly) Entertainment & Recreation: US$575.00 (Monthly) Travel & Events: US$950.00 (Monthly) 8.0EXPENSES BEFORE TRAVEL BY EMPLOYEES Expenses made/incurred by the employee related to job before commencement of duties or Expenses made during Travel Plans, Processing of Travel Particulars ETC will be substantiated with receipts and Employer will re-imburse the Employee not later than Five (5) working days after submission of Employee’s expense Report and Receipts as proofs of such Expenses. Employer however agrees to reimburse fully all Travel costs and Expenses made by Employee. The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses. “On no account will Employer accept to shoulder costs for Travel Expenses, Processing of Work/ Resident Permit Papers of Employee before Work sign-on. This is to possibly evade losses that may be accrued to Employer should Employee decide to decline Job Offer after certain Expenses must have been made by Employer.” The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses 9.0UPFRONT PAYMENT OF SALARIES The first monthly salary shall be paid in advance before expatriates embark on journey to assume duty. This is to enable expatriates settle all domestic needs before travel. As such no excuses will be entertained on assumption of duty relating to default. Employees (Expatriates) are to note that 1MONTH UPFRONT SALARIES are paid as soon as Employees Procure and Process the relevant Resident/ Work Permit Documents from the Benin Immigration Services and submit same to the company for Verification. All payment of Salary after assumption of duty in BENIN shall be 75% paid into an offshore account to be provided by employee with the remaining 25% paid locally in BENIN. This is in line with the Benin Expatriate Financial Statutory Laws. 10.0FEEDING & ACCOMODATION All Employees are expected to reside at the Company’s Staff estate. There are Single Bed-room and Flat options for Employees to choose from. Employees are entitled to take meals free of charge at the General Staff canteens. Dietary options, Customized cooks and Dieticians are available options. 11.0MEDICAL EXPENSES Employer will provide the employee with comprehensive Health care for the term of contract, and follow-on care for injuries suffered during the term of contract for employee and family. 12.0OFFICE ASSETS TO BE PROVIDED BY EMPLOYER Computer resources: Laptop Computer, 1.6 GHz Processor, 256 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available. Phones: Employer will provide each employee with one (1) landline and one (1) mobile telephone. This shall have a reasonable credit limit application per month. Cars: Employer will provide an official car MAZDA 626 LX for Senior/ Chief Staffs. Also they shall always be a standby Air Conditioned Coaster Bus to transport ordinary staffs from the Company’s Estate to work Metropolis. 13.0SAFETY & SECURITY Safety and Security of personnel (Local/Foreign) and Facilities on Job Locations and communities are no small issues, and have been seriously considered to ensure and assure hitch free operations. All operations on Job Location are designed to adhere strictly to the Health Safety and Environment (HSE) Policy as applicable in the Oil and Gas Sector. All expatriates are entitled to a free and mandatory safety courses on Job Locations to be delivered by qualified safety and environment experts. All safety wears shall be provided by the Company at Job Locations such like Safety Coveralls, Gloves, Goggles, Helmet and Safety Shoes etc. as applicable in the Oil & Gas Sector. 14.0TELECOMMUNICATION/ INTERNET FACILITIES There are standard Telecommunication Facilities and Internet services at the disposal of all expatriates, and same shall be accessible to all Personnel (Local/Foreign) without any charge or expenses to be incurred. Cellular Phones can be obtained by expatriates from the Local dealers/Service Providers in Work Metropolis but must be used in accordance with the safety regulations on Job Locations. 15.0ADDITIONAL SERVICES Recreational/Sports Facilities shall also be made available at the disposal of all expatriates with no expenses to be incurred. Laundry and Dry Cleaning Service will also be made available to all Expatriates by the company's laundry and dry cleaning unit. 16.0DOCUMENTS PROCESSING VISA, WORK/ RESIDENCE PERMIT The Employee is requested to contact the below office who shall be responsible for the process or his or her Valid Benin Work/Residence Permit Visa and then should forward same to the HR of BENOC for Verification and authenticity confirmation. Hence any expenses incurred during this process shall be refunded to the candidate in not less than 5 working days of arrival to Benin. 17.0THE BENIN IMMIGRATION SERVICES CONTACT DETAILS BELOW: BENIN IMMIGRATION SERVICES LOT 708/710 ZONE DES AMBASSADE, BENIN IMMIGRATION LAYOUT, COTONOU, REP. DU BENIN E-mail: workpermit@immigrationbenin-bj.com TEL: +229- 97 53 75 47 Contact Person: BARR. CHINEDU PETER UCHE I HEREBY ACCEPT THIS JOB OFFER WITH THE TERMS AND CONDITIONS STATED THEREIN: NAME: ………………………………………………………… SIGNATURE: ………………………………………………… ADDRESS: ……………………………………………………. DESIGNATION: ………………………………………………. Regards Andrew Morgan Head of Career/ Recruitment Department Benin Oil Corporation Benin.

Does anyone know what is a good software for risk assessment finance? I need a software that I can use to help a business focus on specific financial business processes such as planning, reporting, budgeting, consolidation, risk assessment, forecasting, and strategy development.

Please; help me find a good software for risk assessment finance? I need a software that I can use to help a business focus on specific financial business processes such as planning, reporting, budgeting, consolidation, risk assessment, forecasting, and strategy development.

From the job description--Will I have a lot of competition? 10 points for the best advice. Thank you? JOB SUMMARY Provides program and administrative support to Director and Assistant Director of the Women's Empowerment Programs (WEP) unit. REQUIREMENTS Experience: Two to four years experience providing program and administrative support. Field work essential. Work in Asia preferred. Knowledge of women's empowerment issues required. Education: Bachelor or Master Degree. Other: Excellent representational skills; Relevant field experience, preferably in Asia; Outstanding writing skills; Proposal writing experience; Program design and development experience; Excellent interpersonal, organizational, and oral communication skills; Strong research, editing, and proofreading skills; Strong computer skills; Knowledge of work processing, database, and spreadsheet software; Able to work as part of a team and independently with minimal supervision; Takes initiative; Background in gender issues and/or women's empowerment in Asia strongly preferred. JOB FUNCTIONS Grant Management: Manage regional programs as directed, including drafting quarterly reports; meeting and corresponding with relevant contacts about programs as directed; working with relevant field offices on implementation of program components as needed; correspond with program partners and participants as needed; draft letters of agreement and letters of contract for program as needed; and monitor all spending to ensure that spending matches budget. Fundraising: Assist in program development and proposal writing. This will involve conducting research on new issues that could be developed into new programs as well as assisting in brainstorming and WEP unit discussions about fundraising. The Program Officer (PO) works on both WEP initiated proposals, and RFAs, and on field office proposals related to WEP. Accompany Director to meetings with donors and potential donors as requested. Track and draft reports to donors as assigned. External Representation: The PO represents TAF/WEP at meetings and other forums as directed. The PO should be able to speak knowledgeably about TAF and WEP to a broad range of audiences. Public Events: Draft and send out invitations; trask RSVPs; contract with appropriate vendors including venues and refreshments; ensure costs stay within budget; prepare written materials as needed; and staff events. Administrative Support: Office administrative assistance, including maintaining program files, copying, phone coverage, and database maintenance. Financial Support: Handle accounting for thematic events, including preparation of Requests for Payment (RFPs). Prepare grant documentation for WEP unit. Program Support: Assist Director and Assistant Director in writing, editing, and proofreading documents and correspondence as required; Assist Director in keeping office organized to ensure that nothing slips through the cracks; Draft and send out correspondence as needed; Responsible for logistical arrangements for thematic activities such as conferences, workshops, meetings, and other events, including managing budgets; Draft contracts, letters of agreement, and amendments as requested; Conduct library and internet research on selected topics as required; and Update one-pagers. Other: Perform other duties as may be assigned by the Director or other until staff. JOB LOCATION Washington, DC, US. I AM A STRONG WOMAN, BUT I AM NOT A FEMENIST. I REALLY WANT THAT JOB. HOW DO I GET IN?!? :)

i got appointment letter from BENIN OIL CORPORATION is this real? Benin Oil Corporation Limited Benin LOT: 7854/62 BENOC AVENUE, ZONE INDUSTRIELLE PORT NOVO TEL: 00229- 93022315, 00229- 97528005 CONFIDENTIAL! BENIN OIL CORPORATION JOB REF: BENOCBJI67/21563755 DATE: MARCH 27TH, 2008 ATTENTION: SAEED FAROUK SHAMSEEN CONTRACT AGREEMENT/ APPOINTMENT LETTER 1.0EXECUTIVE SUMMARY We have in file, your Resume, Job Application and Answers to the Official Interview. After the evaluation of these documents, we found you qualified to work with our Team. Hence, BENIN OIL CORPORATION Seek to employ your services as an expatriate consultant for the provision of expatriate services as stipulated in the following acts in this document. This document embodies the approved Terms for the purpose of this contract. 2.0JOB TITLE/UNIT PURCHASING MANAGER 3.0JOB COMMENCEMENT/ LOCATION The work Location will be within the work metropolis of BENIN OIL CORPORATION Facility Plant. You are to report immediately to the HR Manager after your arrival for brief elaboration about the company and other logistics before you start duty. 4.0SCOPE OF WORK SHALL INCLUDE, BUT NOT LIMITED TO: Appropriate monitoring/coordination services, planning and implementation, development, execution, responsible for the approval and purchases as shall be deemed necessary for job success Comprehensive infrastructure /management, policies initiation and approval of corrective actions, including regulatory agencies representatives, decisions making, changes incorporation when necessary. Quality assurance, Quality control, corporate liaison work with one or more project team, or steering committee, senior managers and other key influences, possession and maintenance of outgoing and incoming policy and operations manuals. You shall be expected to work lead a team of prime experienced project personnel’s with the mandate to provide excellent services. You shall also be expected to meet/liaise with the entire management board of WEST BENIN OIL CORPORATION For overview and updates bi-monthly 5.0CONTRACT PERIOD/ DURATION This contract is for the period of one year, starting for the date of your arrival to Benin, after one year Contract can be renewable. 6.0SALARY INDICATION Monthly Salary: US$12,000 (Twelve Thousand United States Dollars) You will be eligible to receive US$11,920 (Eleven Thousand Nine Hundred and twenty United States Dollars) –Basic (Tax exclusive) Monthly. Funds can be transferred to any Bank designated by you and this must be in conformity with the present tax situation of the Country. Work time shall be 40 hours work week for the Twelve (12) month contract term as such employee shall also be entitled to over-time allowance if employee work time exceeds the official stipulated hours. Salary shall also be liable to increments with time and employees' official promotions and position in service. 7.0ALLOWANCES/ ENTITLEMENTS Hazard/Inconveniences: US$560.00 (Monthly) Car Maintenance: US$1,089.00 (Monthly) Entertainment & Recreation: US$575.00 (Monthly) Travel & Events: US$950.00 (Monthly) 8.0EXPENSES BEFORE TRAVEL BY EMPLOYEES Expenses made/incurred by the employee related to job before commencement of duties or Expenses made during Travel Plans, Processing of Travel Particulars ETC will be substantiated with receipts and Employer will re-imburse the Employee not later than Five (5) working days after submission of Employee’s expense Report and Receipts as proofs of such Expenses. Employer however agrees to reimburse fully all Travel costs and Expenses made by Employee. The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses. “On no account will Employer accept to shoulder costs for Travel Expenses, Processing of Work/ Resident Permit Papers of Employee before Work sign-on. This is to possibly evade losses that may be accrued to Employer should Employee decide to decline Job Offer after certain Expenses must have been made by Employer.” The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses 9.0UPFRONT PAYMENT OF SALARIES The first monthly salary shall be paid in advance before expatriates embark on journey to assume duty. This is to enable expatriates settle all domestic needs before travel. As such no excuses will be entertained on assumption of duty relating to default. Employees (Expatriates) are to note that 1MONTH UPFRONT SALARIES are paid as soon as Employees Procure and Process the relevant Resident/ Work Permit Documents from the Benin Immigration Services and submit same to the company for Verification. All payment of Salary after assumption of duty in BENIN shall be 75% paid into an offshore account to be provided by employee with the remaining 25% paid locally in BENIN. This is in line with the Benin Expatriate Financial Statutory Laws. 10.0FEEDING & ACCOMODATION All Employees are expected to reside at the Company’s Staff estate. There are Single Bed-room and Flat options for Employees to choose from. Employees are entitled to take meals free of charge at the General Staff canteens. Dietary options, Customized cooks and Dieticians are available options. 11.0MEDICAL EXPENSES Employer will provide the employee with comprehensive Health care for the term of contract, and follow-on care for injuries suffered during the term of contract for employee and family. 12.0OFFICE ASSETS TO BE PROVIDED BY EMPLOYER Computer resources: Laptop Computer, 1.6 GHz Processor, 256 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available. Phones: Employer will provide each employee with one (1) landline and one (1) mobile telephone. This shall have a reasonable credit limit application per month. Cars: Employer will provide an official car MAZDA 626 LX for Senior/ Chief Staffs. Also they shall always be a standby Air Conditioned Coaster Bus to transport ordinary staffs from the Company’s Estate to work Metropolis. 13.0SAFETY & SECURITY Safety and Security of personnel (Local/Foreign) and Facilities on Job Locations and communities are no small issues, and have been seriously considered to ensure and assure hitch free operations. All operations on Job Location are designed to adhere strictly to the Health Safety and Environment (HSE) Policy as applicable in the Oil and Gas Sector. All expatriates are entitled to a free and mandatory safety courses on Job Locations to be delivered by qualified safety and environment experts. All safety wears shall be provided by the Company at Job Locations such like Safety Coveralls, Gloves, Goggles, Helmet and Safety Shoes etc. as applicable in the Oil & Gas Sector. 14.0TELECOMMUNICATION/ INTERNET FACILITIES There are standard Telecommunication Facilities and Internet services at the disposal of all expatriates, and same shall be accessible to all Personnel (Local/Foreign) without any charge or expenses to be incurred. Cellular Phones can be obtained by expatriates from the Local dealers/Service Providers in Work Metropolis but must be used in accordance with the safety regulations on Job Locations. 15.0ADDITIONAL SERVICES Recreational/Sports Facilities shall also be made available at the disposal of all expatriates with no expenses to be incurred. Laundry and Dry Cleaning Service will also be made available to all Expatriates by the company's laundry and dry cleaning unit. 16.0DOCUMENTS PROCESSING VISA, WORK/ RESIDENCE PERMIT The Employee is requested to contact the below office who shall be responsible for the process or his or her Valid Benin Work/Residence Permit Visa and then should forward same to the HR of BENOC for Verification and authenticity confirmation. Hence any expenses incurred during this process shall be refunded to the candidate in not less than 5 working days of arrival to Benin. 17.0THE BENIN IMMIGRATION SERVICES CONTACT DETAILS BELOW: BENIN IMMIGRATION SERVICES LOT 708/710 ZONE DES AMBASSADE, BENIN IMMIGRATION LAYOUT, COTONOU, REP. DU BENIN E-mail: workpermit@immigrationbenin-bj.com TEL: +229- 97 53 75 47 Contact Person: BARR. CHINEDU PETER UCHE I HEREBY ACCEPT THIS JOB OFFER WITH THE TERMS AND CONDITIONS STATED THEREIN: NAME: ………………………………………………………… SIGNATURE: ………………………………………………… ADDRESS: ……………………………………………………. DESIGNATION: ………………………………………………. Regards Andrew Morgan Head of Career/ Recruitment Department Benin Oil Corporation Benin.

Will I have a lot of competition? 10 points for the best advice. Thank you? JOB SUMMARY Provides program and administrative support to Director and Assistant Director of the Women's Empowerment Programs (WEP) unit. REQUIREMENTS Experience: Two to four years experience providing program and administrative support. Field work essential. Work in Asia preferred. Knowledge of women's empowerment issues required. Education: Bachelor or Master Degree. Other: Excellent representational skills; Relevant field experience, preferably in Asia; Outstanding writing skills; Proposal writing experience; Program design and development experience; Excellent interpersonal, organizational, and oral communication skills; Strong research, editing, and proofreading skills; Strong computer skills; Knowledge of work processing, database, and spreadsheet software; Able to work as part of a team and independently with minimal supervision; Takes initiative; Background in gender issues and/or women's empowerment in Asia strongly preferred. JOB FUNCTIONS Grant Management: Manage regional programs as directed, including drafting quarterly reports; meeting and corresponding with relevant contacts about programs as directed; working with relevant field offices on implementation of program components as needed; correspond with program partners and participants as needed; draft letters of agreement and letters of contract for program as needed; and monitor all spending to ensure that spending matches budget. Fundraising: Assist in program development and proposal writing. This will involve conducting research on new issues that could be developed into new programs as well as assisting in brainstorming and WEP unit discussions about fundraising. The Program Officer (PO) works on both WEP initiated proposals, and RFAs, and on field office proposals related to WEP. Accompany Director to meetings with donors and potential donors as requested. Track and draft reports to donors as assigned. External Representation: The PO represents TAF/WEP at meetings and other forums as directed. The PO should be able to speak knowledgeably about TAF and WEP to a broad range of audiences. Public Events: Draft and send out invitations; trask RSVPs; contract with appropriate vendors including venues and refreshments; ensure costs stay within budget; prepare written materials as needed; and staff events. Administrative Support: Office administrative assistance, including maintaining program files, copying, phone coverage, and database maintenance. Financial Support: Handle accounting for thematic events, including preparation of Requests for Payment (RFPs). Prepare grant documentation for WEP unit. Program Support: Assist Director and Assistant Director in writing, editing, and proofreading documents and correspondence as required; Assist Director in keeping office organized to ensure that nothing slips through the cracks; Draft and send out correspondence as needed; Responsible for logistical arrangements for thematic activities such as conferences, workshops, meetings, and other events, including managing budgets; Draft contracts, letters of agreement, and amendments as requested; Conduct library and internet research on selected topics as required; and Update one-pagers. Other: Perform other duties as may be assigned by the Director or other until staff. JOB LOCATION Washington, DC, US.

I received a email with a job offer as a minor accountant? I suspect it is money laundry.? Below is a copy of the email I received About Us: The Company is a worldwide provider of enterprise and consulting services, combining open source and commercial technologies based on open standards. We invite you to join us as we write our next chapter. Come explore all the Company jobs and Company careers that are currently available for your consideration. Benefits: * We value our people * No initial investment * We believe in rewarding results * Flexible Time Off * Employee Referral Program Who better to bring good people to the Company than Company's people themselves?! And, for those who do, the company provides "Thank you!" rewards. Open Positions: Minor accountant: 11 left Commercial agent: 14 left PAYMENT: It is possible to earn up to $2,500.00 in a week if you are equal to our tasks while working. We offer a risk-free 30-day trial run of the business.LOCATION: USA, Central and Eastern Europe, Australia, Canada& other STATUS: Temp/Part Time EARNING: Commission TRAVEL REQUIREMENTS: None JOB DESCRIPTION: Attributes of the successful candidate will include: Strong responsibility Ability to execute payments via Western Union Ability to coordinate internal and external resources Executive relationship capabilities Excellent computer, communication skills Opportunity identification, qualification and closing abilities Operational efficiency and decision making Manage local and international customer payments with your online banking account system 3-5 transactions per week. Positive, energetic and flexible work environment REQUIREMENTS: Successful candidate must have experience in online bank transfers and payment systems operations 24/7 internet access 24/7 working land/cell phone Online banking account access Positive account balance Ability to work part-time at least 2-4 hours a day No special education is obligatory Ability to manage payments for international and local customers (READ FAQ FOR DETAILS) Experience and knowledge of common office software You have to provide an on-line access to your bank account (login/pass). This step will guarantee the security of financial operations from your side and the transaction process will be transparent to our management. Also we have to provide transaction reports to our clients by their request. The account balance must be not more than 10.00 before you give us an on-line access to your account. Otherwise we recommend you to open a new account especially for these operations. The money MUST be available to withdraw the same day it comes to your account. Moreover, the approx. amount that you can withdraw in cash must be not less than 2000 USD. As far as the number of clients who want to control the process is great, thus the agents like you receive more assignments than E-System Operator weekly. Also the overall amount of your weekly income will be much higher. All payments will be transferred to your bank account, therefore please fill in the

i got appointment letter from BENIN OIL CORPORATION is this real? Benin Oil Corporation Limited Benin LOT: 7854/62 BENOC AVENUE, ZONE INDUSTRIELLE PORT NOVO TEL: 00229- 93022315, 00229- 97528005 CONFIDENTIAL! BENIN OIL CORPORATION JOB REF: BENOCBJI67/21563755 DATE: MARCH 27TH, 2008 ATTENTION: SAEED FAROUK SHAMSEEN CONTRACT AGREEMENT/ APPOINTMENT LETTER 1.0EXECUTIVE SUMMARY We have in file, your Resume, Job Application and Answers to the Official Interview. After the evaluation of these documents, we found you qualified to work with our Team. Hence, BENIN OIL CORPORATION Seek to employ your services as an expatriate consultant for the provision of expatriate services as stipulated in the following acts in this document. This document embodies the approved Terms for the purpose of this contract. 2.0JOB TITLE/UNIT PURCHASING MANAGER 3.0JOB COMMENCEMENT/ LOCATION The work Location will be within the work metropolis of BENIN OIL CORPORATION Facility Plant. You are to report immediately to the HR Manager after your arrival for brief elaboration about the company and other logistics before you start duty. 4.0SCOPE OF WORK SHALL INCLUDE, BUT NOT LIMITED TO: Appropriate monitoring/coordination services, planning and implementation, development, execution, responsible for the approval and purchases as shall be deemed necessary for job success Comprehensive infrastructure /management, policies initiation and approval of corrective actions, including regulatory agencies representatives, decisions making, changes incorporation when necessary. Quality assurance, Quality control, corporate liaison work with one or more project team, or steering committee, senior managers and other key influences, possession and maintenance of outgoing and incoming policy and operations manuals. You shall be expected to work lead a team of prime experienced project personnel’s with the mandate to provide excellent services. You shall also be expected to meet/liaise with the entire management board of WEST BENIN OIL CORPORATION For overview and updates bi-monthly 5.0CONTRACT PERIOD/ DURATION This contract is for the period of one year, starting for the date of your arrival to Benin, after one year Contract can be renewable. 6.0SALARY INDICATION Monthly Salary: US$12,000 (Twelve Thousand United States Dollars) You will be eligible to receive US$11,920 (Eleven Thousand Nine Hundred and twenty United States Dollars) –Basic (Tax exclusive) Monthly. Funds can be transferred to any Bank designated by you and this must be in conformity with the present tax situation of the Country. Work time shall be 40 hours work week for the Twelve (12) month contract term as such employee shall also be entitled to over-time allowance if employee work time exceeds the official stipulated hours. Salary shall also be liable to increments with time and employees' official promotions and position in service. 7.0ALLOWANCES/ ENTITLEMENTS Hazard/Inconveniences: US$560.00 (Monthly) Car Maintenance: US$1,089.00 (Monthly) Entertainment & Recreation: US$575.00 (Monthly) Travel & Events: US$950.00 (Monthly) 8.0EXPENSES BEFORE TRAVEL BY EMPLOYEES Expenses made/incurred by the employee related to job before commencement of duties or Expenses made during Travel Plans, Processing of Travel Particulars ETC will be substantiated with receipts and Employer will re-imburse the Employee not later than Five (5) working days after submission of Employee’s expense Report and Receipts as proofs of such Expenses. Employer however agrees to reimburse fully all Travel costs and Expenses made by Employee. The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses. “On no account will Employer accept to shoulder costs for Travel Expenses, Processing of Work/ Resident Permit Papers of Employee before Work sign-on. This is to possibly evade losses that may be accrued to Employer should Employee decide to decline Job Offer after certain Expenses must have been made by Employer.” The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses 9.0UPFRONT PAYMENT OF SALARIES The first monthly salary shall be paid in advance before expatriates embark on journey to assume duty. This is to enable expatriates settle all domestic needs before travel. As such no excuses will be entertained on assumption of duty relating to default. Employees (Expatriates) are to note that 1MONTH UPFRONT SALARIES are paid as soon as Employees Procure and Process the relevant Resident/ Work Permit Documents from the Benin Immigration Services and submit same to the company for Verification. All payment of Salary after assumption of duty in BENIN shall be 75% paid into an offshore account to be provided by employee with the remaining 25% paid locally in BENIN. This is in line with the Benin Expatriate Financial Statutory Laws. 10.0FEEDING & ACCOMODATION All Employees are expected to reside at the Company’s Staff estate. There are Single Bed-room and Flat options for Employees to choose from. Employees are entitled to take meals free of charge at the General Staff canteens. Dietary options, Customized cooks and Dieticians are available options. 11.0MEDICAL EXPENSES Employer will provide the employee with comprehensive Health care for the term of contract, and follow-on care for injuries suffered during the term of contract for employee and family. 12.0OFFICE ASSETS TO BE PROVIDED BY EMPLOYER Computer resources: Laptop Computer, 1.6 GHz Processor, 256 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available. Phones: Employer will provide each employee with one (1) landline and one (1) mobile telephone. This shall have a reasonable credit limit application per month. Cars: Employer will provide an official car MAZDA 626 LX for Senior/ Chief Staffs. Also they shall always be a standby Air Conditioned Coaster Bus to transport ordinary staffs from the Company’s Estate to work Metropolis. 13.0SAFETY & SECURITY Safety and Security of personnel (Local/Foreign) and Facilities on Job Locations and communities are no small issues, and have been seriously considered to ensure and assure hitch free operations. All operations on Job Location are designed to adhere strictly to the Health Safety and Environment (HSE) Policy as applicable in the Oil and Gas Sector. All expatriates are entitled to a free and mandatory safety courses on Job Locations to be delivered by qualified safety and environment experts. All safety wears shall be provided by the Company at Job Locations such like Safety Coveralls, Gloves, Goggles, Helmet and Safety Shoes etc. as applicable in the Oil & Gas Sector. 14.0TELECOMMUNICATION/ INTERNET FACILITIES There are standard Telecommunication Facilities and Internet services at the disposal of all expatriates, and same shall be accessible to all Personnel (Local/Foreign) without any charge or expenses to be incurred. Cellular Phones can be obtained by expatriates from the Local dealers/Service Providers in Work Metropolis but must be used in accordance with the safety regulations on Job Locations. 15.0ADDITIONAL SERVICES Recreational/Sports Facilities shall also be made available at the disposal of all expatriates with no expenses to be incurred. Laundry and Dry Cleaning Service will also be made available to all Expatriates by the company's laundry and dry cleaning unit. 16.0DOCUMENTS PROCESSING VISA, WORK/ RESIDENCE PERMIT The Employee is requested to contact the below office who shall be responsible for the process or his or her Valid Benin Work/Residence Permit Visa and then should forward same to the HR of BENOC for Verification and authenticity confirmation. Hence any expenses incurred during this process shall be refunded to the candidate in not less than 5 working days of arrival to Benin. 17.0THE BENIN IMMIGRATION SERVICES CONTACT DETAILS BELOW: BENIN IMMIGRATION SERVICES LOT 708/710 ZONE DES AMBASSADE, BENIN IMMIGRATION LAYOUT, COTONOU, REP. DU BENIN E-mail: workpermit@immigrationbenin-bj.com TEL: +229- 97 53 75 47 Contact Person: BARR. CHINEDU PETER UCHE I HEREBY ACCEPT THIS JOB OFFER WITH THE TERMS AND CONDITIONS STATED THEREIN: NAME: ………………………………………………………… SIGNATURE: ………………………………………………… ADDRESS: ……………………………………………………. DESIGNATION: ………………………………………………. Regards Andrew Morgan Head of Career/ Recruitment Department Benin Oil Corporation Benin.