Premium Finance – Wealth Creation Calculator

Premium Finance boasts of various wealth creation strategies to help you effectively manage your personal finances.
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In relation, this method will certainly reduce the amount of stress you’ll experience when handling your bills. Financial plans can be easily developed, all it takes is that you follow your financial plans tirelessly. Soon enough, you will enjoy living your life the way you want to.
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Implications Of Money Laundering

Money laundering is referred as to make to proceeds of the crime appear respectable. The whole world is now taking serious actions against money laundering.
In United Kingdom, the parliament has passed money laundering act. This act has been influenced on different parliament acts. These are:
Drugs Trafficking offences Act 1986
Criminal Justice Act 1993
Terrorism Act 2000
Anti Terrorism Crime Security Act 2001
Proceeds of Crime Act 2002

Money laundering is based on different crimes. It is just the end form of different crimes. Some criminal offences are mentioned below which are included in Proceeds of crime Act:
Laundering: Acquisition, possession or use of the proceeds of crime

Failure to report: If somebody fails to disclose knowledge or suspicion of money laundering then he will be liable for crime.

Tipping off: Somebody who disclose information to any person who is involved in some crime then he is also liable and contributor in crime.

For example a bank manager who see any illegal transaction then he should declare this information to money laundering reporting officer, before the transaction took place or right after the transaction. Otherwise he will be investigated and failure to disclose will lead him to crime.

There are three major phases in money laundering which are mentioned below:
Change the initial disposal of the illegal activity into legal business activity.
It means to put different layers to hide the original proceedings.
After placement and putting different layers, the money has the appearance of legal funds.

Accountants can play a vital role in reducing the chances of money laundering. They have to be very careful while preparing accounts of company because accountants are liable to disclose any illegal activity inside the company. Now accountants have to be followed many regulations which are set by IASB. It is mentioned in these regulations that accountants will be asked of any suspected transaction.

If somebody has been involved in the above offences then he may have to face serious penalties. The British Law sets out the following penalties in relation to money laundering:

1. Person who is directly related to money laundering can be penalized 14 years imprisonment and/or fine.
2. A person who is responsible for failure to report information may be given 5 years imprisonment.
3. 5 years imprisonment is given for tipping off a suspected launderer; it means suspected launderer must not be alerted.

Role of Management Education in Shaping Future Managers and Entrepreneurs

When we talk of management education, we are basically referring to shaping up the students, aimed towards developing their competency and capability either as a manager fit to join an organization and help it to grow or as entrepreneur, to establish and grow ones own business. This capability does not come from possessing a management diploma or degree, but also requires developing in the students the will and skill to contribute for self sustenance and nation building. Presently it is seen, that there is a wide gap existing between the type of management education imparted in MBA colleges and what is there in real life management in business organizations. In order to make management education more realistic and useful for the industry, certain key areas need to be identified. These could be:-

(a)Benchmarking quality management education to create an enduring quality managers and entrepreneurs.
(b)Bring in professionalism in management education.
(c)Adequacy of qualified and competent faculty members, proper infrastructure, support facilities and regular updating of curriculum.

Benchmarking Quality Management Education

Benchmarking with the top management colleges inspires an institute to produce quality managers. Management education needs to include knowledge, skills and abilities (KSA) that are needed today and that will be needed tomorrow by the industry. The mission of management education should be to become innovative and creative. The objectives of benchmarking should be to:-
Make own students employable in industry.
Moving the institute from academic mode to corporate mode. To achieve these objectives the agenda should be:- (a) To identify the industry expectations of the skill sets required of students. (b)To identify the areas of Total Quality Management (TQM) in management education. (c) To identify the changes required in teachers imparting management education.

Professionalism in MBA/PGDM Education

There are many reasons for the wide differences in the quality of management education in different institutes in India. The main reason is the absence of a body that can ensure that the standards set are practiced and retained by all management institutes, like AACSB in USA. We do have an apex body the All India Council for Technical Education (AICTE), that is responsible for setting the basic framework, guidelines and standards for quality of business education, there are however many problems when it comes implementation of these standard by MBA colleges and institutes and these problems undermine the effectiveness of these standards. In order install quality in management education in India, the AICTE and MBA colleges / universities in the country should focus on the following issues:-
Quality of faculty.
Infrastructure development.
Accountability of management institutes.
Values and ethics.
Role of professional bodies (AIMA, ISTD, etc).

Ways An Entrepreneur Can Use The Law Of Attraction To Be Successful

It is true that anyone can benefit from grasping the concepts of the law of attraction and applying them, and any entrepreneur who grasps these concepts can be wildly successful. This is because the idea behind this law is that your feelings and thoughts affect your reality. When you align your vision and goals in life with your thoughts and feelings, life will become nothing short of magical. If you are a businessperson, you can be successful using the law of attraction in the following ways:

Following your passion

The main concept of the law of attraction is to do what your heart desires. If you follow your passion then everything else will simply fall into place. The law will help you attract whatever you need in order for your passion to radiate. An excellent way to do that is to make a vision board.

Building better relationships

By using the law of attraction, you can attract people who share your vision and passion. If you are a businessperson, you can use this law to attract investors, customers and clients. You will not only attract these people but you will be able to build better relationships with them. This will lead to higher customer satisfaction, which will enhance your business. You will also be able to form lasting personal friendships.

Making more money and personal growth

The law of attraction works on the principle that everything is energy, including money. Therefore, this law states that you can attract money with your thoughts and feelings but you must act in harmony with the laws of the universe. This certainly works towards improving your business and enhancing your personal growth.

Offering valuable service

One of the main things of succeeding in your business is giving your clients or customers valuable service to keep them coming back. The law of attraction can help achieve. If you know what you want in your business, you will be the best at what you do, hence you will offer valuable service to clients or customers.

You will fall in love with your work, which will enable you to be happy when serving your customers. This positive energy will affect the people you serve in a positive way. You want to understand this concept, mind movies can help in the law of attraction. You can also invest in a personal development program. It is not that expensive yet the benefits are unbelievable.

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Entrepreneur Facilitation Center & Development(EFC INDIA), Co-Working Space in Pune,Shared Office S

Entrepreneur Facilitation Center & Development “This Incubation Park suits to IT / ITES /SERVICES SECTOR Technology Based startup, service concept based startup and any other concept / idea which required an office space to start and run the day to day operation”. We at EFC India, support the young budding entrepreneur with complete guidance on their idea or business plan, provide them with all necessary required things like office space, equipments , office, machines & fixture, manpower hunting , sanctioning loan , legal documentations etc. every bit of thing required to start their own business. EFC India is an Entrepreneur Park, where the ideas get converted into reality and fruitful business. We with our team of experts transfer knowledge and skills, help you with all new technology and market support , provide complete training on modernization and expansion of business to enhance the quality and productivity of your business. All you need generate a great idea of business and we help you shape it into reality! -WHAT WE PROVIDE-

You can send your business plan to

You business plan should not be more than 7 – 10 pages and should crisply cover the following aspects –

1. Introduction of you , your team & business that you want to start. 2.Your Target Customer Your Business Plan & Projection – business model innovation that differentiates you Your revenue model / Earnings – how will you make money, pricing etc. 3.Sales and Marketing Strategy – how do you plan to spread the word around about your solution, how would you sell it? 4. Management Team – Who are the main team members and advisors. 5. Financial projections – What are your cash-flow projections – expenses and revenues? How much money do you need to raise as investment? 6. When would you start breaking even operationally? Approx. Amount of Investment requirement ? 7. Team size / No. of people you will hire.

send your business plan to

VoIP 5 Tips to Improve a Small Business

Voice over Internet Protocol (VoIP) is a method of electronic communication that is rapidly increasing in popularity. Used to make phone calls, VoIP technology uses a computer’s internet connection, rather than a cellular wireless or traditional wired telephone line. This technology is used not only by personal consumers, but also by businesses small and large. Here are 5 tips for using VoIP to improve a small business:

1. Use One Company for Internet and Phone – Any modern small business has a website and is likely already paying an internet service provider (ISP) for access to the internet. Rather than negotiating prices and dealing with customer service for two services, a company can save time, effort, and money by using their internet connection as their phone service provider as well.

2. Save Money on Long-Distance and International Calls – Unlike traditional telephone companies, VoIP services work regardless of the distance of the call, so pricing is not dependent on the number of local, long-distance, or international calls. This means that international calls, which can be especially expensive, can be handled without incurring additional costs. For small businesses that do business internationally or have business partners overseas, this can mean an enormous cost savings.

3. Better Voice Quality – Because of the nature of the medium and the wires that transmit the signals, VoIP services can provide cleaner, better-sounding phone calls than traditional phone companies. While it might not seem like a big change, having crisper more professional phone calls can be the edge a small business needs to win over customers or seal a big deal. Dropped calls or poor-quality calls, on the other hand, can devastate a company’s business.

4. Simplify Things for the Technical Staff – For small businesses, the internal technical staff is usually stretched thin at all times, and should be outsourced when possible. Keeping a business up and running smoothly 24/7 is no small task. Consolidating one’s internet and phone systems can provide a significant advantage, in terms of time and sheer number of technologies to monitor, to a company’s technical support and services team. For small businesses that don’t even have a dedicated technical staff, having a single number to call for technical support, rather than multiple numbers, can simplify things considerably. Prompt service and skilled technicians are key.

5. Additional Features Included At No Extra Cost – For starters, useful calling features like conference calls, call forwarding, and caller ID are all included for free. Additional features like video calls and video conferencing are also easy to add to VoIP services.

Profit From A Preschool Franchise Business

Kindergartens and preschools have become extremely popular. In bigger cities you will see big preschool franchises as well as smaller start ups. So if you are thinking of starting your own preschool, here are few things to keep in mind and why you should opt for a preschool franchise. To begin with lets look at some statistics. The preschool industry in India is estimated to gross about Rs 4,004 crore. The sector is likely to cross Rs13, 821 crore by 2012, a growth of more than 28% per year, according to estimates from brokerage firm CLSA Asia-Pacific Markets.

With over 40% of learning taking place from the 1 to 4 age group preschools have become imperative. Parents want quality preschools for their children and are willing to go that extra bit for their children. Rest assured if you opt for a preschool franchise and are a good task master you are bound reap profits in the near future.
Opting for a preschool franchise makes setting up a lot easier for you. You have to adhere to certain pre requisites and guidelines which enable you to be focused and do things in a streamlined fashion.

A preschool franchise comes with a reputation. It already built a name for itself, developed its own education system and done its fair share of branding activities and advertising. Parents will always trust an established over a smaller start up.
A preschool franchise caters to parents who have moved to new cities. Sending their children to same school as they did before is a comforting element for all parents. With the education system being the same it helps children adapt faster.

A preschool franchise works on a profit sharing model. Therefore some franchises will go that extra mile to make sure you do well, so they do well! This means extra guidance and support for you.
The different preschool chains in India are Roots to Wings, EuroKids, Kidzee, Shemroack schools, Bachpan just to name a few. The royalty and investment depends entirely on location. A preschool franchise can cost anywhere from 3 to 15 lakhs and the fees can be anywhere from 8,000 to 40,000 per annum. The need for preschools in India is only going to grow making it an extremely profitable venture.

Unbiased Bank Account Search Research

We never ever revise responses. These are typically either approved or erased. we all reserve the proper to modify a remark that was cited or excerpted in an article. in this situation, we could correct spelling and punctuation. all of us value information technology when audience plus men quoted inside posts or site posts point off errors of truth or focus plus might investigate all assertions. But these suggestions ought to end up being transmitted via e-mail. To avoid distracting other subscribers, you won’t publish opinions which recommend a correction. Instead, corrections may feel produced inside a blogs post or inside an write-up.

Internet banking is equally efficient as information technology are convenient. We can perform bank transactions here quicker than you do about automatic teller machines and this in addition provides an individual the option of carrying several accounts to manage like discount, and checking accounts, certificates of deposits, IRA’s and similar purchases. Most online banking sites tend to be equally suitable with major software which you can use about the computer for a more powerful financial administration. Regardless of whether an individual take out a checking, cost savings, or certificate of deposit account with FNB, you can access it from the online with their unique online banking way, and it’s absolutely something I’d recommend.

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Unbiased Bank Account Search Research

Unlike traditional corner financial institutions, on line financial websites never close; they’re available 24 hours a day and seven days a week. If the customer is over of state or from the nation when a money condition arises, he or she can log on immediately plus care for business. Similarly he or she could gain access to plus manage all facets of the banking account like IRAs, CDs, even securities, from one secured website. Should you happen to be looking the best web financial choices, you really need to understand your own desires plus a financial situation. Ask yourself concerning the techniques you’ll end up being utilizing this facility.

web financial works in a synonymous way to standard banking , the main difference being the method 1 try making repayments, accessing his account and private details, and reconciling statements. Rather than visiting the area branch of his financial, the customer utilizes his computer to accomplish purchases. online plus standard banking bring their unique advantages and disadvantages to consider. The choice of on line vs. brick-and-mortar financial is usually based on one’s life style and priorities. Google, Apple Computer, Microsoft and Oracle need between them 341,777 employees that delivered $85.2Bn in profitability in 2012, or about $249.285 per worker More than five occasions the margin than their particular Tech equivalents.

Three simple and affordable advertising ideas for your small business

When running a small business, marketing your products and services is an important aspect your must consider and plan for. No matter what industry you play in you will no doubt have competition. Even if you provide a better service or product you still need to stand out so consumers know. Marketing can be a big cost but there are also many affordable alternative to advertise your business.

Here are three simple advertising ideas and suggestions to give you high visility.

Vehicle back windows

A rear car window covererd with a sticker of your business is an affordable option to promote your business. Whenever your car is being driven around your business is being seen. For as little as one hundred and fifty dollars this is a small investment. Depending on how many years your sticker last, the breakdown cost of purchasing you rear window sticker works out to be even less.

Don’t overload the sticker with too much details. Keep the sticker bright and colorful. Avoid a cluttered look with too much details. Keep it simple. Don’t put more than three items of information. Your logo with business name, phone and tagline is all you need.

Car magnets

Large car magnets are another cheap alternative. These magnets are strong enough to withstand high speeds. To repeat – keep the design simple. Order many at a time and hand them out to your friends for their cars. You can purchase four magnets for as little as fifty dollars.

An alternative to magnets is use multiple smaller sized ones. A stack of twenty five magnets can be bought for about thirty dollars. Get people to take notice by scattering you car with these. When people take your magnets you know they’re working.

Outdoor banners

Ask your signwriter to print you a large banner. The cost of a small banner can be as little as one hundred dollars. We’ve even seen banners from as low as six dollars.

Use the small banners effectively by parking at the front of a busy event or location. Hang the banner from the side of your car. Your car and banner can’t be missed.

These are three simple advertising ideas to kick start your marketing on a budget.

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Expert’s Indicators For Best Small Business Bank Accounts

Banking institutions need additionally used greatly in beefing upwards their own internet based financial programs plus guaranteed that net financial is actually safe plus secure. The usage of SMS informs for account was a great ways to continue track of resources plus purchases in a membership. Buyers whom incorporate internet financial could just buying products from licensed plus respected on line stores plus could utilize dependable solutions plus fees gateways. Constantly utilize protected plug covering (SSL) web sites to carry out banking on the web. Financial institutions state they’re providing people the benefit they desire, however several supporters for the older and handicapped anxiety information technology means a decrease inside access.

Technology will allow banking companies to be closer to users, to deliver a wider range of treatments at lower bills, land to streamline desire systems so that all information is actually together inside one destination where information technology may be chosen to spot trends which will lead easily to brand-new products. Digital delivery of banking services allows data to be collected and examined. Interaction may give customers a possibility to register their particular preferences, really steering to advancement of latest items. Bankers might protect these prices due to higher compliance and regulatory costs, in addition to legacy system support, safety and scam steps along with objective important performance specifications.

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Expert’s Indicators For Best Small Business Bank Accounts

Event of overcoming banking situation in the United States Of America. people economy has been impacted by financial trouble many times. One of these showed up during the stage of huge despair of 1929-1933. Thousand of bank deposits were devaluated because of useless operations on the banking institutions, also not coming back of the granted debts plus overall degradation on the economy. These people sealed lots of banking companies and offered confiscation of huge number of items due to maybe not going back of financing. you congress passed laws and regulations regarding founding federal businesses insuring deposits and those insuring financial loans plus discount. This system has been functioning successfully during many years.

It’s so simple. Need some sort of exchange with the bank? Just take out the mobile device’smartphone, pill, whatever, on any working system’and you’ll has a riches of apps to get it completed. You’ll see reminders when you ought to do information technology again, or set it when much as do information technology automatically. It’s simple, truly. FBR analyst Paul Miller rates First Republic “outperform,” with a $48 price target. In a note to customers after the earnings announcement, Miller wrote “based found on the company’s existing meaningful extra money plus cross-selling features,” he expects the jumbo mortgage expert “to execute its development approach successfully inside the coming quarters.”