Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

Why do you need a US Bank Account to make money online

Having a US Bank Account is one of the most crucial tools a non-US resident could need to be able to make money online. Next we can see various uses of a US Bank account.

A verified Paypal account There is no news that Paypal is a splendid way to sell online. You can verify your Paypal account without problems using your bank account. You can also take out your income with your US Bank account a lot easier that regular methods.

The same apply to similar systems like 2Checkout or Moneybookers.

Selling Products or Services eBay users spend more than 30 million dollar every day. And US market is calculated to spend more than US$300 billons by 2010 in online retail orders.

You can use your US Bank Account to accept direct deposits or as a ways to withdraw your online payments.

And remember, as your clients pay in US dollars you can make extra profit for the money exchange value. However this depends on the country and your local currency.

Make profits with Google Adsense If you want to make money without the hassle of selling or customer service Google Adsense is a excellent method to do this.

You can set up a blog or web site about any fascinating subject. Post news and articles and then insert some Adsense Ads.

Everytime a user go to see your site and click on an ad, you will make some money.

Normally the process of taking the earned money in your hands can be very long and risky. Though you can simple link your US bank account to your Adsense account and every month Google will send you money directly to your bank with no transfer costs.

It’s a excellent idea to create sites about passionate themes and English is always a better language as the ads will pay more for click. This is a splendid way to create passive earnings.

Making Money as an Affiliate Internet affiliates can make a lot of money. Rosalind Gardner, Ewen Chia, Matt Glandfield are some of the non US affiliates that have accessed the million dollar with this type of business.

In simple words an affiliate sends traffic to a merchant web site and earns commissions when this visitor make an order.

Generally the merchant send the earned commission via checks, unless you have a Paypal or US bank account.

Starting as an affiliate is not tricky. You can look at products to promote on Clickbank or sign up as an Amazon.com affiliate in less than 15 minutes.

Depending on the country, having a US Bank account could be the only solution for some online entrepreneurs to make a sustainable online business.

There are various ways to open a US Bank account as a non-US residents, but it’s always the best to keep you up to date and recognize the best ways to complete the process. You can consult free or paid information and services online to achieve this or a local provider if you don’t want to do it yourself.

Secret Offshore Bank Account – Is It Possible

Secret offshore bank accounts are the stuff of legend. This article intends to debunk some of the myths about secret offshore banking by setting out what is and isn’t possible.

1) It’s impossible to open an offshore bank account without first somehow identifying yourself. This means sending a notarized copy of your bank account/passport details to the bank or intermediary.
2) Most offshore banks will also require a reference from a bank at home.
3) If you open an offshore account in the name of your offshore company, you still need to provide all the formation documents, and the name and address of a real person. No bank will let a faceless entity open an account without pinning it down to a real person.

So how is it Secret?

Well, the reasoning behind all this, is that if you open an offshore account the bank may let you have a ‘number’ rather than a name. This so called ‘numbered account’ allows you to send wire transfers without third parties knowing who you are. An account in the name of a company will do a similar thing, allowing you to send and receive payments almost anonymously, because the company name rather yours will show up on all transactions.

The problem is, this doesn’t shield you from government inquiries. If for example a government authority suspects you of having an undeclared offshore account, that you are hiding money from your spouse or otherwise engaged in funny business they can go to the country or bank in question and request your details. While some countries will reject the majority of these requests others are more pliant.

Switzerland and the Cayman Islands are two in particular that co-operate with US and EU authorities. Although both have strong bank secrecy laws on paper, these are not so closely followed in practice. Swiss banks UBS and Credit Suisse have made headlines recently over IRS investigations into US held offshore accounts.

The truth is, if you really want a secret account you may have to look further than ‘traditional’ tax havens. That means jurisdictions without tax-information exchange agreements or other links to high-tax countries.

Another option is using an offshore bank account alternative. This could be (for example) sending your funds to a trust company which then opens a bank account for you in their name. Although this is also not 100% foolproof, it does offer another level of privacy in the same way that an offshore company will shield your identity.

Whichever option you choose to take, it pays to follow some ‘golden rules’ of privacy:

1) Limit the number of people who know about the offshore bank account to as few as is humanly possible.
2) Fund the account with a cheque or western union transfer, rather than by wire from your home bank. 3) Never send funds directly back home from the offshore account.

Good luck!

Understanding What A Bank REO Property Is

Have you ever wondered why and how a property is called a bank reo property? REO actually stands for real-estate-owned and is used to designate properties that have reverted to the banks or lenders ownership. A borrower could have defaulted on his loan, causing a foreclosure action to be filed against him by the bank.

Usually, a notice is given to the defaulting borrower so he could have ample time to make current his account. However, if he fails to pay within the specified period, then the property will be the sold by the bank at a foreclosure auction.

Financial Opportunities

In the real estate market, a bank reo property is regarded as one of the safest investments that a buyer can have. This is because the bank typically takes care of all the liens, debts and obligations attached to the property before it turns it over to the new owner. But before a property becomes a bank reo property, it goes through an auction.

An auction is a public sale where foreclosure properties are sold to interested buyers. The goal is to recover money owed on the property. But not every property offered in an auction is actually sold. Those which fail to get any successful bid revert to the lenders ownership as an REO property.

But since a bank is not really engaged in the business of selling real estate, it has an REO department which takes care of their bank owned properties. It is common notion in the industry that banks always aim for a quick sale in order to reduce the number of non-performing assets in their inventory.

A large inventory of property is actually undesirable for a bank. This is because a huge number of properties in their yard can only cost them money in terms of their maintenance, taxes and repairs. Selling them would literally transfer these obligations to the new owner, thus, the desire for a quick sale.

This is the main reason why many investors prefer a bank reo property over any other property in the foreclosure market. They know that they can negotiate for its price, and even some repairs on the property. If you can master the art of negotiating for a bank owned property, then you can get a good bargain for yourself.

Money Belts

Money belts are mostly used while traveling to keep the money safe. Money belts are basically security wallets that ensure that the money is safe while traveling. Since a money belt would be close to the body they are usually not susceptible to pickpockets.

Money belts come in perfect waist sizes and are mostly waterproof. The material also soaks up the sweat and does not allow the sweat to seep through to the money within, hence keeping the money safe. Money belts are made with a variety of materials such as cotton, poly-cotton, silk, nylon and other soft materials that would be comfortable to wear and at the same time are strong and durable.

Some money belts even have separate pockets to hold important travel-related documents such as a passport, tickets, travelers checks, and currency – along with other valuables – to ensure their safety. These pockets are usually layered with plastic to ensure that they do not get wet under any circumstances. Also, a zippered compartment is provided in many money belts for credit cards and other small valuables. Most money belts are available in black, brown, tan or bolder colors such as indigo, olive and blue colors, and are quite durable to withstand the strain of travel. The color can be specified at the time of ordering.

Money belts are made of lightweight washable materials that are specially treated to keep away bacteria and other microbes that form due to sweat and body heat. They are capable of absorbing sweat and do not allow the moisture to seep through. They come with adjustable straps that are either elastic or Velcro binds to ensure a perfect fit to the wearer. Although they come in different sizes, most of them are a one size fits all due to the adjustable straps.

Money belts can be secured under a shirt or blouse and are not easily detectible. They ensure safety when traveling long distances as they are closer to the body and so are more secure. All the travel documents and other valuables would be safer compared to when they are in the luggage or a handbag as a pickpocket would not be able to access money belts.

Money belts are also a safe option when going in for water sports like diving or skiing. They are made with waterproof materials and so would ensure the valuables are safe even when under water. Some money belts come in smaller sizes and can be tied onto a wrist instead of around the waist. Smaller items such as currency, keys, identification cards, and credit cards etc., can be stored in these money belts. A long sleeved shirt would definitely hide this money belt while ensuring safety simultaneously.

Bank Recruitment by IBPS CWE

Banking sector is growing fast and flourishing with every passing year. It recruits many individuals every year for various posts. However, since it is a highly coveted career option, the recruitment process is very tough and the selection rate is very low. This makes it a stiff competition for the candidates appearing for the exams. However, it is a hectic procedure for the respective bank as well. It is very difficult to recruit the most capable candidate out of the thousands who appear for the exam every year. However, they cannot compromise on this, as banking sector requires a strong team of loyal and hardworking individuals who take care of the monetary matters of the citizens of our country. it is also a tough job to conduct exams every year for thousands of candidates. However, IBPS is a solution to this problem faced by most public sector banks. It is an autonomous body that recruits individuals for various posts in public sector banks of India. This year, for the first time it is conducting CWE (common written exams) to recruit candidates for the post of Bank PO. IBPS uses the latest technologies to recruit the most capable candidates. It is built up a strong faculty of professionals who are trained in various fields like, psychology, marketing sector, banking industry etc. It has various offices spread throughout the country, which conduct exams every year for various posts in public sector banks. The establishment of IBPS has been a blessing for many public sector banks who have successfully recruited many capable individuals based on the exams conducted by IBPS. Its efficient team of employees and latest technologically advanced machines allow quick printing of question papers and unbiased checking. It also conducts training programmes for its clients so they realize their potential and choose the post accordingly. Common written exams (CWE) is another effort by IBPS to recruit candidates easily for the 19 public sector banks connected with it. It will be like bank exams, but all the candidates would be given the same question paper. After clearing the exam, they will get a score card. If a vacancy arises in any of the 19 banks involved, the candidate can directly reach the interview level with the help of the score card.

Thus, IBPS has taken the responsibility of bank recruitment for various public sector banks. Its new endeavour to commence a href=””>CWE for the post of bank po has been appreciated by many. It will follow an unbiased procedure to recruit capable indviduals.

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Bank Vault Doors, Reinforcement and Metal Cladding

Vaults are among the structures having the strongest doors. They are designed to protect valuables such as money, documents, jewelries and records. Vaults may differ in size according to the amount of valuables to be stored. The strongest vault doors are designed for bank vaults where huge amounts of valuables are safely kept.

Designing a door for a bank vault is difficult. It should have a maximum strength that can resist strong heat during fire and cannot easily be damaged during attempted theft or robbery. Its durability and strength is dependent mostly on its thickness and not on the type of material used. However, since bank vaults have doors made of either concrete cased with alloyed metals or purely metal, the hardest substances are chosen.

In making a vault door, most manufacturers use a regular mold to form the steel before screwing the metal clad on it. This allows the concrete to reach its ultimate strength before the actual metal cladding. However, some manufacturers pour the concrete directly on a special metal clad that altogether forms the vault door. In this way, the time of assembling will be minimized.

In other words, the most common vault doors are not pure steel or but concrete reinforced doors. Concrete is used to resist compression forces that might be applied on the door. Unlike normal concrete structures wherein the steel bars are the ones covered with concrete, vault doors are made with concrete clad with the steel. The reinforcement results in a strong and massive closing.

The most important part of a vault door is the lock system. It consists of different small sized metals held in different significant arrangements to form a strong hold along the side of the impenetrable door. Lock system can be of various types such as combination lock, high security key lock, dual control combination lock, time lock and safe-cracking lock. As long as vaults are made with , any of these lock systems can be applied.

The same principle used in making vault doors are applied in making special prison doors, submarine doors and doors of vehicles used in space. The used are strong enough to resist extreme pressure at a certain depth underwater or extreme lack of pressure within a vacuum and are perfectly tightened that even air cannot penetrate along the side.

Budgeting Your Money When You Own A Home Based Business

One of the most difficult things to do when you start a new Home Based Business is putting together a budget. Without any financial history on which to base income and expenses, it may seem like guesswork, but as part of any Home Based Business plan a tentative budget can be established with some thought and anticipation for the future.

In most Home Based Business there are two main categories, income and expense. Under your expense category there can be several sub-categories often falling into two main areas of controllable expenses and uncontrollable. While many Home Based Business owner claim they can control every expense involved in their Home Based Business, they are simply kidding themselves as some things such as utility cost, the amount of rent and other so-called fixed costs can, and do change, with the owner having no control.

Other expenses in Home Based Business such as payroll, insurance and advertising can be subject to a budget, but they are considered controllable expenses. If the Home Based Business begins to fall off, you can control some of these expenses by laying off employees and cutting back on advertising. However, living by a budget will help maintain profitability in many respects but can also turn against you in the long run.

Depending on the viability of your Home Based Business it often is a better investment to bite the financial bullet on employee wages and still provide good customer service to the remaining customers until Home Based Business picks back up. By trying to everything yourself not only will you burn out quickly, but is no one is taking care of the customers, it will not take long until there are no more customers to care for.

There are two ways to budget your Home Based Business money and that is through set dollar amounts and percentage of income. Many Home Based Business will budget their controllable expenses by the dollar and non-controllable by percentage of income. Obviously a good part of the owner’s time is going to be based on bringing money into the Home Based Business and how much they have to spend on controllable expenses will be in direct relation to income.

For example, a company earning $20,000 a month in income has budgeted six percent for payroll, providing $1,200 for payroll. If the income level rises to $50,000 the budgeted payroll percent does not change but the dollars available for payroll climbs to $3,000. With an obvious increase in Home Based Business to create the additional income, the owner will probably need the extra help to take care of Home Based Business.

There are many other expenses that fall into the payroll account such as worker’s compensation charges, Social Security tax paid by the employer and paid vacation time or other perks determined by the employer. While a budget may be difficult to establish for a new Home Based Business, it is a necessary evil for all Home Based Business owners.

Money Exchange Rates For Dummies

One of the major issues you have to deal with when traveling to a foreign country is currency, and the various money exchange rates. The currency in each country is remarkable different from your own, and this fluctuates on a daily basis. Even though Canadian currency is found in the United States, quite often many people will not accept it. This is because the value of a Canadian quarter is not the same as the value of an American quarter.

When you’re traveling to a foreign country, you have a few options. Generally, you’ll always be able to find a place in the airport to exchange your currency for that of the country you are entering. Keep in mind, money exchange rates constantly fluctuate. The amount of money you received for five hundred US dollars the year before, will not match what you are offered today. You can get a general idea by searching the web for money exchange rates. Many sites will also have a calculator to help you convert your base currency into another one. It’s a pretty nice tool to use, but again, remember, this will only give you the rate at that particular moment.

Quite often, when you exchange your money for another currency at a bank or airport, you will be charged a fee for the service. Many people skip this fee by using credit and debit cards when overseas. The only problem with this is that you may not find an automatic teller machine that will accept your card. Before you leave, talk with your bank about your trip, and they should be able to find out if you can find ATMs in your point of destination or not.

Another consideration when using another currency on vacation is the huge difference in value. Yen and Pounds are vastly different than the US dollar, and it may be very easy for you to become confused. Add the constant flux of money exchange rates, and you double your confusion. Pay attention to the value of the money you are receiving as it relates to your own currency, so you have a general idea of what things should cost, and when you are being ripped off.

Even making purchases online can be tricky. If you are ordering merchandise from another country, you will have to worry about money exchange rates. This is important if you are using an international money order. In this case, you must figure out the exchange rate before you buy, and hope it hasnt fluctuated too much before the payment arrives. Many people will not accept international money orders for this reason, and also because there may be a huge fee involved for them when they cash it in.

Understanding money exchange rates can be a little tricky at first, but with a little research and effort you can quickly get a handle on it.

Avoiding pitfalls with a property closing on a bank owned house

You’ve gotten a good lead on a particular property. You’ve called the homeowner and the prospect seems encouraging. You inspect the house, like what you see, and make an offer. Now the real test begins.

It may seem like a simple process to move from the final offer to the property closing. However, there are a number of steps you’ll have to follow along the way. Miss a step and you could seriously jeopardize your deal-and lose a great house in the process.

In the best case scenario with a bank-owned house, you will receive a call from the realtor saying that the offer has been accepted. The realtor will then need earnest money, which usually amounts to $500 or $1,000. You then add your addendum and the final package is then sent to the asset manager.

The realtor will normally get back to you immediately-either the same day or one or two days afterward. Then, you move onto the paperwork. You’ll be waiting to find out if the package has been signed by the originator of the loan. Then, a closing date will be set.

You will work with private lenders to have money sent to the closing table. The money will be sent via wire or bank check-not a personal check. You will need the routing number from the title agency so you can tell the private lender where to send the money to. Then, you work with your insurance company to set up hazard insurance. Obviously, you will need to know what your payments are going to be.

At the closing, you will be able to do the final signing over of the deed. This is a critical point in the home buying process. You pass out the checks and then you will receive the promissory note and the mortgage. You can then send the promissory note to the private lender.

Finally, the route from offer to closing is not always smooth. You can run into some bumps along the way. But if you are careful to take care of details, you communicate with all the people involved in the process, and you steer toward your goal, you can end up with a deal that you’re happy with. And you can build a successful real estate business of buying and selling property to tenant buyers who are eager to have a home to call their own.