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5 Things You Must Know About Loan Against Property.

5 Things You Must Know About Loan Against Property

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Taking a loan against property is a popular way to avail funds. However, there are some important factors to be considered before you apply for a loan.

Securing a loan against property (LAP) is popular amongst micro, small and medium business owners. Individuals in need of urgent cash also avail the loan, as homeowners can get the loan quickly and easily. However, before applying for a loan, it is important to understand loan against property interest rates and tenures as both these factors impact the EMI.

Apart from these two, there are five other essential factors which you need to consider before you begin the loan application process. Some of these are discussed below.

Value of the property

As an applicant or borrower, you must be up to date with the existing market value of the property. Before applying for a LAP, the applicant can get an independent valuation expert to estimate the property value. It would help you get a better idea of how much loan to apply for without getting rejected. Banks have independent technical experts who value the worth of a property by taking various factors into account. An applicant can get LAP up to 90% of the property’s value. Just make sure you get the encumbrance certificate.

The income and repayment ability of the borrower

Usually, a loan against property is a substantial amount. Banks will carry out checks to ensure that you can pay the EMI, as per the stipulated timeline. For this reason, they will require you to submit past and present proof of income. Salaried employees can share salary slips while self-employed can share IT returns for the last 2-3 years. Loan tenures can go up to 15 years, and therefore, you also need to plan your income for the long-term loan to enable easy repayment.

Most people have the misconception that banks are looking to seize and sell their property. It is the opposite infact. Banks undertake multiple and stringent scrutinizations to avoid selling a property as it is a time and effort-intensive exercise.


A bank will allow you to have a co-applicant for the loan, even if the co-applicant is not the owner of the property. For example, you can ask your spouse, sibling, adult child, or parent to be a co-applicant when taking a loan against a self-owned home. Remember, the bank will run a credit history check on all applicants before sanctioning the loan.

Ownership of property

Ownership of the property is established before the loan is sanctioned. If you are the sole owner, you can apply for the loan directly. In the case of co-owned property, banks usually require a no-objection certificate, or for the co-owners to be co-applicants. Another thing to keep in mind is that the property should not be under dispute.

Be aware of the fees

Bank have additional charges such as processing fees, pre-closure charges, sales tax, and penalties on late deliveries. The borrower must accordingly provision for these expenses to bear them without hassles.

By keeping these five things in mind, an applicant can be better informed and thus improve the chances of acquiring a loan against property.

Proctoring Services

Important Factors to Analyze Before Choosing the Excellent Proctoring Services

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How would you recognize if the person taking an online exam is doing on his own or cheating using an external source? The answer to this is Online Proctoring. It is a method to prevent cheating during online exams. The exam-takers tend to cheat while giving an exam. Proctoring software is smart enough to detect any suspicious activity. There is a plethora of proctoring solutions that are used to prevent cheating and to avoid choosing the wrong proctoring solution, you need to consider the factors before you start choosing one:

Stakes involved

Entrance examinations including SAT, GMAT, GRE, etc are high stake. They are strict toward cheating and doesn’t allow any kind of suspicious activity. These exams make use of proctoring solutions that are reliable. In case you require a proctoring service for college exams, you may go for the normal proctoring solutions. Talking about stakes, these solutions are available for all sorts of exams including schools, universities, and certifications. Therefore, always consider the type of stakes involved to choose the best service for you.

Exam location

The beauty of online exams is that it can be given from anywhere- remotely or from a designated venue. If it is a designated exam venue such as CAT, SAT, etc, exam proctoring services such as classroom proctoring, or record and review proctoring are used to prevent cheating. There is strict checking and authentication via biometrics. Their PCs don’t allow them to cheat. On the other hand, if it is a remote exam venue, a high proctoring service will be used that will keep an eye on you with the help of online authentication, audio and video capturing, suspicious behavior, etc.

Exam Type

Exam type is an important factor to consider while choosing the exam proctoring services. Exam types can be open book exams or closed book exams where exam takers make use of websites and sometimes even calculators are used. For such type of tests, the proctored solutions allow the candidates to access them and keep an eye on them to prevent any kind of misuse. The proctoring services are a great way to ensure the individual doesn’t teach and complete the test with their own capability.


Without a budget, you cannot decide the right proctoring services for you. An organization with a budget can easily recognize what it wants. Live proctoring is a little expensive as it involves online authentication, secure browser, on the other hand, low-cost solutions are- Auto proctoring or review and record proctoring paired with online ID authentication. Live proctoring is quite reliable as it provides advanced security and keeps a check on the candidates’ activities.

Economies of Scale

While choosing a proctoring solution, you need to identify the number of candidates attending the exam. Live proctoring is not an easy task in the case of a large number of candidates. Auto proctoring works best in this situation. If there are a small number of test takers, live proctoring works best. Therefore, it all depends on the time, budget and stakes.A small number of test takers: When the number of test takers is less- live proctoring, record and review proctoring or auto proctoring- any of these proctoring solutions can be used, depending on the stakes at hand, budget, time at hand, etc.

As technology is advancing and everything is getting automated with the advent of artificial intelligence, smart applications are coming up. Proctoring services are artificial intelligence that does the job of a human. Therefore, go proctor and change the way you supervise the exam takers.

Banking Career Path

A Quick Guide to Investment Banking Career Path

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A path to investment banking is not as easy as it may seem. As an investment banker, you need to have excitement for deals and high-stakes negotiations. The field of investment banking is a competitive one and if you are a high-achiever who has no issue working for long hours, then leave no time to get into this lucrative field.

As an investment banker, master the field of Math and polish your reading and writing skills. Love for numbers should be extreme, else you won’t be able to make it. A great interest in deals will make you a good investment banking professional.

Let’s introduce you to the Investment Banking Career Path-

Investment Banking Analyst

The responsibilities of an investment banking analyst include taking charge of Excel and PowerPoint work, writing emails, making phone calls and administrative tasks such as tracking buyers and sellers, managing the data room and deal documents, and responding to requests from clients and potential clients. The position of an analyst is given to the junior employees and is meant for graduate students. You need to gear up yourself for the hectic work schedules as an analyst in investment banking.

Investment Banking Associate

Unlike analyst, associate assigns the work, supervises it, and on a few days’ work on Excel sheets and PowerPoint. The roles and responsibilities of an associate are to attend meetings and interact with the clients. An associate serves as a link between a junior and a senior. The associate also is an entry-level position wherein you will find yourself handling a few roles of an analyst. You will be given areas of transactions which will help you prepare for the senior roles.

Vice President

The position of Vice President is the most senior banker position and their responsibilities include monitoring the work of junior bankers, i.e. analysts and associates, and making sure that they deliver what the top management wants. You will be expected to interact with the clients and get new business. Since this is the senior level, you will have to work with the standalone spirit to build relationships and be accountable for the work done.


In most of the banks, you will find Directors being titled as Senior Vice Presidents or Executive Directors or Principals. The role of a director is a mixed one. Sometimes he will be expected to handle the role of a VP and on a few days, he will be possessing the role of an MD. A mix of the role will include developing relationships and winning clients, execution work and project management. Gear up as a director as you will handling bigger responsibilities

Managing Director

Managing Director is the King as all the above-mentioned positions are answerable to him. They spend their time winning clients, meeting companies, developing relationships, and get involved in negotiations. Everyone else will try to please you in the company. When you reach this level, you are likely to win other high-level jobs at companies or possibly even in private equity or other buy-side roles.

In this market full of competition, getting a job is not easy till you have an investment banking certification that proves your mettle in the field of investment banking. Certifications hold the potentiality to demonstrate your skills to the employers so that you are able to get the best job as an investment banking professional. Get certified with the best credentialing bodies including Investment Banking Council of America, IMARTICUS, Corporate Finance Institute, New York Institute of Finance, and IBP Institute. The certification will help you build a solid foundation in investment banking so that your mind is boosted with the dose of learning. Get certified to make a career in this big field!

starting your own business

12 things you didn’t realise about starting your own business

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If you have thought about starting a business venture at some point in life, you definitely started off by seeking advice. There are so many pieces of advice out there and settling on one can be confusing.

Although you might want to dive right in to make sure you are within your estimated timeline, there are so many things to consider.

Seasoned entrepreneurs confess that getting a lot of advice will open up your eyes and perhaps force you to think of newer, better ways. To do business.

Below is a list of things that new entrepreneurs may have overlooked as they set to start their own businesses:

  • Save more money

Do not have a fixed amount and struggle to work around it. If you are anticipating starting a business in two years’ time and you have already accounted for the amount of money needed, make a goal to save up all the money according to your budget.

Most starters focus on hitting the goal amount and relax. If you have a chance to save more you should continue saving. Some people count on the amount they have to be collateral and will take out a loan when they want to start.

Having inadequate finance options may give you the hunger to work harder for success but it will also bring you stress. If you can avoid this undue stress, do it.

  • Create an entrepreneurial environment

Working for a business in an entrepreneurial environment is great learning experience for how to run a successful startup. It teaches one how to make decisions and to what extent one can bear responsibility.

It is a great way to prepare yourself for launching your business without all the burden of startups. Have the entrepreneur experience long before you become one.

  • Time and money management

Do not be hasty right from the word go. Even launching too fast will cost you in the long run. If you start so soon and have an unorganized structure will make you lose sight.

You may find yourself rushing into partnerships and be forced to buy your partners out when things don’t work out. This would have been a waste of both time and money.

  • Work in management

Having worked in management earlier will give you a better chance of running your own business. You may not have directly been at management level but you can learn by keenly observing how management runs things.

Avoid making ‘people mistakes’ like hiring the wrong people, not letting go of bad employees, failing to communicate clearly, etc. You will end up experimenting with your business but just try to do it the right way.

  • Be a power Reddit user

Becoming a Reddit user will give you street credibility- a process that will take genuine enthusiasm and time.

  • Outsource booking

Doing your own accounting is not advisable. Loop in an external accounting firm to do your books and focus on building your brand. When you do your own books using QuickBooks and other tools, you may end up doing worthless work and being unable to comprehend reports generated.

  • Be professionally and intellectually curious

Most people are focused on the road to success with clear set goals. However, this path is not straight and stepping off might teach you a thing or two about business and how to deal with future challenges.

Job diversification and experience exposes you to ways you can handle things which is handy when dealing with the uncertainty of startups.

  • Address excuses

It is one thing to have an idea and to actually put that idea into motion. Most people want to start their business and end up burdening themselves with fear of failing and excuses. From money to time to existing commitments, you can have an endless list of excuses for not launching your business.

Being a founder is scary and some excuses may be legitimate. Sit down with your list of excuses and genuinely address them. In the end, you will find out very few are actual concerns.

  • Absorb everything

Listen more than you speak. Be a sponge and learn to absorb what others are telling you even the very unlikely people have something to offer. Keep notes about advice gathered and it will help you map a plan.

Sometimes people’s body language will tell you what they really think about your business idea. Additionally, encourage people to be brutally honest and learn not to overreact when you don’t like what they have to say.

  • Sell a solution

Rather than telling people what you sell, tell them the solution you are bringing. Find a market gap and focus on offering a solution. It is easier to get customers by fixing a problem. Your business pitch should start by the existing problem and how your brand helps.

  • Keep it simple

Like most aspiring business owners, you want to start your business and run with it. Sometimes your concept snowball becomes something complicated.

This is how most entrepreneurs end up with products and services that nobody wants to buy. Start small and narrow. You don’t need all the whistles and bells like the big corporations.

  • Imagine yourself at zero

Picture yourself without a dime because this can actually happen, and it happens more often than you know. Some successful entrepreneurs have had several ventures fail and came so close to bankruptcy.

Launching unsuccessful businesses is a reality for most starters. Over half of these businesses close in the first five years after opening. Prepare for how to handle having zero income.

If you are looking to launch a startup be ready to put in the work and work around the obstacles. Acknowledge that no business works instantly and it might take you time before you start earning. A steady income will be a result of gradual growth and transition; so do not quit your day job either.

Take initiative and advertise your business whatever chance you get. Most people are sceptical about telling people about their startups fearing that they may be judged.

Brand Reputation For Business

Prominence Of Brand Reputation For Business

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The products and services your organization renders to the customers are indeed satisfactory. To have a successful business, it is necessary to have a strong brand reputation in the business market. Your products or services might be highly appreciated by your customers. How is their perception about your brand? Hence, the important thing for a business is the reputation of your brand in the business industry. It is the customers and your potential business clients who invest in your products. Are you loyal to your customers? Is your brand trustworthy? In today’s world, having a brand reputation is as important as providing high-quality services. In this article, you will understand the importance of brand reputation in your business.

A short note on brand reputation

The perception about your brand by the market, customers and stakeholders determines your brand reputation. It is about how your customers and others in the market view your brand. The ideas and opinions your customers have about your brand and services help form a reputation in your business. To build a powerful reputation, you should make sure that your customers and the potential clients must have good experience while buying your products, receive a healthy customer service and a sound after-sales services provided by your business organization.

Significance of brand reputation

  1. Get loyalty of your customers:

A good reputation of your company can help gain the loyalty of your customers. A reputable brand also help you notch a large number of customers who use your products and services on a long-term basis. The customers who have been using your products for a long time remain loyal to your brand by purchasing products from your company and not switching to other brands.

  1. Increased productivity:

When your brand carve a niche in the market and your products are appreciated and highly purchased by your clients, then you will bound to see a tremendous increase in the sales and your business will experience profits. The consistent top quality services and products of your company have made customers trust on your brand. A brand reputation plays a significant role in the steep rise of productivity.

  1. Thrive in the competitive market:

In the age of technology, it is hard to survive in the business industry. New companies are emerging with innovative products with each passing day. If your brand has a high reputation in the business market, then your business will be able to thrive and survive in competitive market.

  1. Trust matters the most:

When you fulfill the expectations of the customers by presenting top class services at a stretch, then your customers are likely to develop trust on your brand by becoming a regular customer of your brand.

Monitor your brand

You remain unaware of what is going on in the online social media. You do not come to know what your customers are talking about your brand over social media platforms. To keep tabs on the online conversations of your customers in connection to your brand, you will have to book services from a trusted media monitoring service provider. By using targeted keywords and tools, you will be able to track online conversations about your business organization, services and brand on various websites and blogs.

Implement brand monitoring service to retain a good reputation in the business market.

Online Reputation Management

ORM: How can it benefit your Business? Is it worthy of using?

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Reputation is a thing that can be worked on over time. By devoting time and effort to upkeep or enhance your reputation, you can expect to find quantifiable outcomes that are going to improve your business. There are plenty of benefits of upholding a great online reputation.

Perhaps that is the reason that more and more companies are taking help of tool of Online Reputation Management. There are myriad of benefits of holding a good reputation.

  • Higher trust: it is true that folks trust a brand or person having a good reputation more.
  • Enhanced profits: Businesses having high star-ratings and reviews fetch more business.
  • Better talent: Brands having a positive reputation get better employees.
  • Less risk: People do move with the crowds.
  • Milder treatment: Companies that share the same chief values as their clientele are probable to overcome a reputation disgrace easier than those without.

Once you have ORM tool in practice, you would not have to worry about the reputation. The professionals will take care of your reputation. If there would be any beginning of foul wording, they would stop it right there. Similarly they would keep a check on everything related to you on the social media platforms.

Higher trust

Brands having a good online reputation are trusted more because folks rely on the opinions of others. In case people appear to trust a person or company, others are probable to follow with the same sentimentality. Studies shows that eighty three percent of people trust brand recommendations from acquaintances and nearly seventy percent trust consumer opinions more than that of paid advertisements.

A proper way to form trust is to make your business absolutely transparent. Once you listen to customers online and respond to comments (both bad and good), you showpeople that your business or brand listens to queries and replies. Even something as simple as giving a reply to a comment on Facebook could improve your reputation and form the trust with customers.

Good reputation companies are more profitable

Companies having good online reviews incline to attract more business. In the present time it is more vital than ever before to have plenty of new, relevant reviews for your brand or business online. Rather, a restaurant that showcases an extra half-star rating will vend nineteenpercent points more often. The advantages of ORM can translate into additional income for development.

Better employees working for you

Reviews are equally as vital for fascinating employees as they are for fascinating customers. Folkswant to work at a wonderful company that is going places. They wish to work at a business that shares the same core standards and beliefs as them. And of course they trust the opinions of present and past employees. Along with workplace reviews, positive content online show that your business has a friendly culture. Businesses having better reputations incline to fascinate more, and therefore better, talent.


Thus, the ball is in your court. You have to decide when you want to amp your reputation with ORM or not!

Promotional Staff

How Promotional Staff Help Represent Your Brand

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If your business needs dynamic exposure and want to promote the products in the market, then choose nothing but the promotional staff services. The modelling sector is increasing in these days as most of the companies that promoting themselves with the help of the models or the promotional staffs. There are various companies that offer the promotional staffs for the businesses; these experts have experience in various fields. They ensure that your brand is rightly promoted in the market. When you are choosing a promotional staff services, you should check whether the agency is having many years of experience.

The job profiles of the promotional models-

The promotional staffs or the models have specialised in various sectors as discussed earlier. They are good looking and smart enough to convey the message to the clients. They have enough knowledge in the promotional field. They work in the field as the exhibition promotional staffs, solo singers and bands, hostess working, presenters, grid girls, leaflet distribution, sales, stilt walkers, shot girls, dancers, retails dealers, sampling, lead takers, dancers, marketing agents, fire performers and many more.

All the staffs that are working for promoting the brand are precisely selected and each of them has extensive skills and knowledge that can represent the brand. There are even some of the organizations that not only provide the promotional models or the staffs; but also create a wide range of promotional clothing, stickers, cups, hats, exhibition designing, web designing, pens and other brand promoting items.

There are various benefits of hiring the promotional staffs for the company. Let us see some of them in brief-

  1. They can enhance the customer experience- with the help of the models, the customer can directly relate with the services and products of the company. This will enhance the customer experience. The models also make positive engagement with the customers.
  2. One of the largest benefits of hiring the promotional models is that they help in increasing the sales of the company by relating and conveying the brand’s message to the customers. The models can communicate with the customers in a better way than others.

Apart from these, the promotional staffs can save money in brand promotion and it is one of the most popular types of marketing techniques in these days.

Shipping Business

How I Became An Expert on Options

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Tips on Making a Shipping Business Grow

If you own a shipping business, you might value it a very great deal, knowing that this kind of business is certainly one that has a lot of promises to give you. These people, then, might wish to take care of their businesses, especially in the business world of today, which is full of fierce competition. One might be eager, then, to learn all of the tips that he or she can learn in order to make the business survive in the world of today, and also make it grow. Here, then, is a list of some things that one can do, some tips that are sure to lead to the survival and the growth of one’s shipping business in the future.

There are a lot of effective things that you can do if you want your business to grow, one of which is taking the time to do some research on the market of today, research that is complete and thorough. One of the things that you can do in this category, for instance, is to check the bid load board in your city or your state, in order to be able to better anticipate any expenses that you might need to make in the future. You can be sure that if you make some changes which are based on the extensive research that you have done, you will be able to improve your business in a truly wonderful way.

One who is wishing to see growth in his or her business should also take some time to sit down and come up with a reasonable but ambitious plan for the future. A lot of the time, business people do not come up with any plan for their businesses, which means that these businesses float around for some time, or maybe even go under. Business people, then, should be on the lookout for opportunities, find out what type of loan will suit them, and do a lot of active things that will ensure them with the chance for growth.

The last but certainly not the least important step that one should take is to make sure that he or she markets the business in the best way. For example, one can have a good website made, and optimize it in the search engines, so that he or she can be sure that a lot of potential customers and clients will come across it during their searches online.

When business owners follow all of these tips, then, they can be sure that they will be taking big steps towards the future success of the companies that they own.

Handling Training

Why is Manual Handling Training So Important

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Heavy lifting often will lead to a series of events where a person runs the risk of being injured. That is why the use of Manual Handling Training is so vital. There are many employers that will overlook the importance of this in their business model and as a result, it will often lead to them not exactly having the best of luck. When a person is not trained in the proper lifting techniques, there will be a large amount of risk that will lead to them being injured and as a result, this injury will lead to them having to file claims on the injured worker. However, the training could have saved many finances on valuable training opposed to an expensive payout.

Lifting smarter and not harder is what this is all about and when an employee is properly trained, they will learn the methods that will give them the best results for their efforts. An employee that has taken one of these classes will be a lot more valuable in the longer term than an employee that has not been able to get certified. This, in the end, will make them a lot more desired to potential employers and can advance their career a lot more than they ever imagined.

Going and getting a bunch of your employees trained will be a good business move that will help them in the long run. One of the biggest reasons for this is because having a group of employees will generally lead them to get a group discount and as a result saves money as opposed to them all going to get trained one by one. This will add up to be a lot more as opposed to the group rate. After you have the group of employees that are looking to be trained, you will need to find a place that will either come to you or will work with you to arrange for a training day that will fit into your schedule. Doing this will benefit a company in a great way to getting them and their employees trained and not putting them at risk of injury.

Along with that line of training. Talk to the company that is offering your employee training and see if they also offer things like Fire Marshal Training as well as do they train Health and Safety Consultants for a company. Having this type of training will greatly help you and your employees to get trained in the things that will make or break their company in the long term. Once you have the needed information, you will want and need to make sure that you make the most of the training and ensure that you and your employees are experienced in the areas that they need to be skilled at. This will help a company to have more work days and fewer days where an employee will be sitting at home while injured because of bad lifting techniques.

hiring translation experts

Which attributes should you look for when hiring translation experts

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Are you looking for a translation expert? Your requirement can be for a company which provides with subtitles for your videos? Or, you may be interested in translators which are able to provide you with assistance during conference calls. You might also require the translators for pursuing legal, medical or business document translation. Whatever be your need, your requirement is nothing short of the best.

Hence, when you are out there trying to find out the best translation company like the Language Market Place, here is a list of attributes you need to look for, to ensure the best work:-

  1. Impeccable quality- the best of the translation company providers never leave any stone unturned when it comes to quality. The translation service involves as many as 140 languages which are translated by the professionals. They make sure that the translators are professional, certified and experienced so that every word is appropriate. They also ensure that every document translated by them is proofread by a second translator, so as to provide you with impeccable quality work.
  2. Certified professionals- the certification provided to the Company like the ISO 17100 for the Translation services USA implies expert work. You can always trust the providers if they are associated with this certification. It is because these translations are a paradigm of excellence in the field.
  3. Cost effective- even with the utmost service provided the ace translating companies are cost effective. Hence, they do not intend to pursue a hole in your pocket with the work, which will thus be feasible.
  4. Punctuality- this is another attribute which you cannot trespass to. You have to make sure that the project you have given them is finished at the right time slot. The best translator companies have the resource and the technique which ensures that the project is handled so as to give you with timely results. In order to assure this you need to look for references, feedbacks and reviews of a particular Company.
  5. Safety-you might want to get the preparation of a business proposal, some legal documents or a medical process! It will be of immense necessity for you to ensure that the translation Company keeps it safe and secure. It should take the requisite hard and soft security measures for the same.
  6. Plethora of languages- if you are a global company looking for professional help, it is best to take the services of translation experts that offer translation of more than 140 languages to aid in the process. In this manner you will not have to look for a separate company for other translations. It will be really feasible for you.

Make sure to take into account the above attributes when hiring the translation providers. It will make the work hassle free and seamless for you. It will help to manage the work better and provide with the best results.