Philippine Banking Industry Outlook Positive Despite Recession

The Philippine banking industry seems to be unaffected by the global financial crisis. And despite the liquidity crunch in various developed and emerging economies, the Philippine banking industry has been able to sustain the growth level.

According to a research analyst at RNCOS, -The banks in Philippines have benefitted from a series of reforms undertaken in past and intervention by the regulator to increase the capital base and to have better risk management strategies in place. The multipoint policy adopted by the industry during the last quarter of 2008 has resulted in minimum risk exposure to the banks in Philippines. Restricting dollar sales only for outward investment, enabling active lending between banks and low level of investments in foreign assets has resulted in positive outlook of the industry in current economic turbulence. Banks in Philippines have limited their investment in local blue chip companies because of the high yield from the Philippine Stock Exchange.-

Banks in Philippines are opting for high degree of penetration, mergers and acquisitions, and high credit growth rate at a time when banks in other developed and emerging economies are writing off assets base and slowing down credit disbursal rate. However, according to -Philippines Banking Sector Analysis-, a research report from RNCOS, the sector will manage to book a CAGR growth of 10% in its asset base through 2010.

-Philippines Banking Sector Analysis- contains comprehensive research and rational analysis on various segments, like assets size, income level and number of cardholders, in the Philippines banking industry. It also analyzes the current performance and growth opportunities in the sector, and helps clients to understand various products available in the market and their future scope. It also discusses the role of technology in the Filipino banking industry.

The report gives future outlook of different aspects of the banking industry such as financial cards, mobile banking, bancassurance, industry assets, mutual fund assets under management, number of credit cards, IT spending by banking industry, microfinance and life insurance product sales etc. The future projections are made after analyzing the current market scenario, past trends and regulations laid by the central bank.

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About RNCOS:

RNCOS, incorporated in the year 2002, is an industry research firm. We are a team of industry experts who analyze data collected from credible sources. We provide industry insights and analysis that helps corporations to take timely and accurate business decision in today’s globally competitive environment.

PNC Online Banking

PNC rates on mortgages are one of the few that did not increase when many of the other financial institutions have already done so.

For a $250,000 loan in the Philadelphia area, the rates are as follows. The 30 year fixed interest rate at 5.50% to 5.875% with APRs of 5.626% to 5.842%, respectively. The 20 year fixed interest rate is at 5.625% to 6.125% with APRs of 5.828% to 6.098%. The 15 year fixed is at 4.875% to 5.125% with APRs of 5.082% to 5.258%. The 10 year fixed interest rates are 4.750% to 5.125% with APRs of 5.045% to 5.232%.

The current bank rates on CDs include a tiered format. The top tier is for those with Performance Select checking accounts, followed by Premium Plan, then the Standard CD rates. The promotional 9 month CD is earning an APY of 0.45%, 0.42% and 0.40%, respectively. This has a minimum deposit of $1,000.

The 3 month CD is earning an APY of 0.15%, 0.15% and 0.15%, respectively. The 6 month CD is earning an APY of 0.25%, 0.20%, and 0.20%. The 1 year CD is earning an APY of 0.50%, 0.45%, and 0.45%. The 18 month CD is earning an APY of 0.55%, 0.50%, and 0.50%.

The 2 year CD is earning an APY of 0.50%, 0.45%, and 0.45%. The 3 year CD is earning an APY of 0.70%, 0.65%, and 0.65%. The 4 year CD is earning an APY of 1.05%, 1.00%, and 1.00%.The 5 year CD is earning an APY of 1.25%, 1.20%, and 1.20%. The 7 year CD is earning an APY of 1.75%, 1.70%, and 1.70%. The 10 year CD is earning an APY of 2.00%, 1.95%, and 1.95%.

The minimum deposit for these PNC rates is $1,000, and the rates were posted on February 9, 2011, but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, best bank savings rates, Westpac Online Banking and Online Banks at

Small Business Development And Marketing Strategies

Since most small businesses have suffered during the past several years due to declining sales generally caused by a chaotic economy, it should be helpful to explore the most practical and realistic marketing strategies available to them. Improving business development efforts is desirable during any financial and economic environment, but there are extra benefits to doing so when sales have declined for whatever reason. Because a typical small business owner does not have the luxury of choosing from many strategies available to larger companies, the marketing improvement process for small businesses is necessarily restricted to a relatively short list of business development alternatives. While the choices will vary from case to case, here are three marketing and business development strategies which will often be considered by small businesses:

* Advertising
* Increasing sales staff
* Business proposals

For most smaller companies, declining revenues have led to some financial challenges and the need to reduce operating expenses already. Therefore it is likely that a common limitation and goal in any marketing decision will be to keep the costs reasonable. When dealing with limited funds, small business owners should evaluate which marketing strategy is the most cost effective method. Business proposal writing usually emerges as the leading choice for small companies when cost effectiveness is taken into account.

There are several kinds of business proposals, and not all of them will be realistic options for each company. Here are the two business proposal types which are likely to be worth reviewing closely:

* Formal proposal solicitations
* Informal and unsolicited proposals

Of these two types, the second (unsolicited and informal proposals) usually deserves the most attention by small businesses. Formally solicited proposals are typically announced by a Request for Proposal (RFP) process and are subject to more public awareness and competition by other companies. Depending on competitive circumstances, it is certainly possible that responding to an RFP might be well-suited to some small business situations. In other words, look carefully before deciding to ignore the RFP possibility.

An informal or unsolicited proposal process potentially offers the most freedom for a small business. Timing is frequently a major problem for an RFP because the company or government agency issuing it determines in advance when it will publish the Request for Proposal and in turn will also determine the deadlines for responses. The timing for unsolicited and informal proposals is effectively under the complete control of the small business which is preparing a proposal. The combination of reduced competition and scheduling flexibility usually makes this a compelling approach to business development and proposals.

Stop, Collaborate and Engage Small Business Communication Tools for Entrepreneurs to Navigate the Social Media Seas

Oldies but goodies…

The social media landscape has significantly changed the face of small business communication, but it does not mean previous technologies have been rendered useless. “Old” technologies, such as e-mail newsletters, instant messaging and message boards are still active and can still increase productivity (and sales!). Many entrepreneurs already have a strong understanding of these technologies and have probably used them in the past. Consider dusting off that old e-mail newsletter you belong to – you know, the one you haven’t read in 2 years – or do a quick search of what message boards are out there. You may be reminded of and surprised at how useful these seemingly out-of-date services can be.

Some you’ve probably heard of, but may not know the full power of…

LinkedIn

LinkedIn has become the platform for business-focused social networking. By setting up a LinkedIn profile, users are able to post their work history and professional profiles for others to see. This tool presents opportunities for generating new business, reconnecting with old colleagues, and finding a job.

While many business users may have a LinkedIn profile, they may overlook the other small business communication tools LinkedIn provides. For example, LinkedIn Groups are a simple way to create an online forum where customers, prospects and industry insiders can exchange ideas. Similar to an e-mail newsletter, the Group allows invited LinkedIn users to interact with one another and for a company to communicate key messages. With some simple work on the front-end to get the group moving, an entrepreneur can then take a back-seat to let the patients run the asylum – while still maintaining his or her position as the group leader.

Wiki

A wiki (rhymes with tricky) is a website that allows users to edit the content that is posted on the page; the trick to wikis is ensuring the edits are accurate. Wikipedia, for example, is an editable online encyclopedia in which users can edit the content. The reason the information remains accurate is Wikipedia has designated individuals to monitor updates.

From a business perspective, a wiki is a great small business communication tool for companies with geographically distributed offices or teams. Users can post a document or other materials on an internal wiki and allow a group to review and edit the material in one place. Beyond the team collaboration, the wiki also helps with “version control,” a problem that occurs when some users do not have the most up-to-date version of a document. Microsoft’s SharePoint offers companies the ability to make internal wikis, as well as discussion boards.

Some small business communication tools you may not have heard of…

Yammer

Yammer is an enterprise microblogging service – think of it as Twitter for internal business communication. The service allows businesses to create their own internal communication channel and limit use to those who have a valid company e-mail address.

Books To Help Finance Your Projects After Film Courses

You are determined to become a filmmaker. You’ve already taken your first step: applying to film schools. In Canada and abroad, there are many choices. Your life feels ripe with possibility. But you have one fear that haunts you. You wonder if you will really have what it takes after graduation from film courses to make your dreams come true. You have plenty of ideas for movies, that’s for sure. But that doesn’t mean that you know how to finance one. Here are three book ideas to calm these kinds of fears, common amongst new applicants to film schools.

1. 43 Ways to Finance Your Feature Film by John W. Cones

In this book, entertainment lawyer John Cones shares his insider knowledge gleaned from almost two decades helping independent filmmakers navigate the multifaceted world of movie financing. Although the author is based in Los Angeles – where else? – the book includes a discussion of financing from countries other than the United States, and is, therefore, appropriate for new applicants to film schools in Canada and abroad.

This book may turn up on the curriculum of your film courses, but there’s no harm in beginning your research early. Reading on your own increases the likelihood that when you do finally graduate that you will have a firm grounding in such topics as:

industry financing (What is this? It is basically funding by your peers, i.e., other, more established graduates of film schools)
investor financing
lender financing

2. The Fundraising Houseparty: How to Get Charitable Donations From Individuals in a Houseparty Setting by Morrie Warshawski

Although this book could be of use to any kind of fundraiser, it is written with filmmakers in mind. The author explains how graduates of film schools can organize a compelling event, touching on such details as:

planning committees
invitations
food and drink
presentations
thank yous

Warshawski emphasizes the importance of graduates of film courses appealing to the emotions of their potential donors, something to which their craft, fortunately, is uniquely well suited. What is the role of film schools if not to teach students how to appeal to the emotions of their audience?

3. Shaking the Money Tree, 3rd Edition: The Art of Getting Grants and Donations for Film and Video, also by Morrie Warshawski

In this book, Warshawski tackles that topic of supreme interest to staff and students of film schools in Canada and abroad: how to write a winning grant application. This kind of knowledge can even help students in film schools finance their productions for film courses.

If you are anxiously awaiting a wave of fateful letters from films schools in Canada and elsewhere in the world, calm your nerves by advancing your studies on your own. Who knows, it may help you finance one of your film school’s productions once you finally do get that longed for acceptance letter!

Auto Attendant – Make Your Small Business Sound More Professional

As a small business owner, it is very important to project the best of your business and impress your callers. The auto attendant VoIP phone system can make your small business sound more professional. It has extensive advanced call handling features incorporated into it to manage all your business calls efficiently and make your business look like a Fortune 500 company.

Sphisticated Call Handling Service

Without the support of a live telephone operator, the auto attendant can perform all call handling functions reliably and efficiently. Callers are greeted with professional sounding welcome messages. These messages can be personalized to present your business in a professional manner. Calls are managed through interactive, impressive voice responses as their calls are connected to extension lines.

As an initial interface in call management, it is possible to connect calls to the required extensions using a menu of options including dial by extension, dial by name, dial by department or zero out to live operator. With these professional phone services offered by the virtual receptionist, the callers will feel like they are interacting with an established company.

Useful VoIP Auto Attendant Solutions

The auto attendant offers impressive call management features which include:

Find-me/Follow-me call forwarding If you are traveling or in some distant location, the calls to your office will be efficiently redirected to the given cell numbers, home phones or other personal numbers. Calls to a certain phone extension will be routed through the predefined list one by one, until someone attends the call.
Voicemail to Email If any calls are unattended, they will be automatically directed to the voice mail boxes of these phone systems. These voice messages will be further forwarded to your email account. The call forwarding system of the PBX system offers your workers a lot of independence as they can work from home or any other convenient location.
Music on Transfer You can upload music-on-hold facility to facilitate your callers, when the calls are being transferred to a different extension.
Features and functionalities are not just limited to these. Other functionalities include groups, conference rooms, call queues and much more. The auto attendant phone system to makes your small business sound more professional and credible.

An Entrepreneurs Guide To 2,500 Cheap Brochures Printing 85×11

An entrepreneur can boost the visibility of his product or service by using a 2,500 Cheap Brochures Printing 85×11. This marketing tool, which uses colorful printing and high-quality paper, contains basic information such as products or services, contact information and additional customer benefits that will initially promote the business.

It is important for entrepreneurs to invest on creative foldable brochures because of its ability to draw peoples attention and stir up their curiosity. An effective brochure focuses on customers wants and needs and can transform random people into loyal patrons, which will subsequently improve a business profitability. This marketing tool can definitely help a small-scale business expand into a larger entity.

The beauty of a 2,500 Cheap Brochures Printing 85×11 is the huge potential for creativity and information. Here are some guidelines in crafting an effective brochure for your business:

1.Planning

One by one, make a list of the information that you want to put on your brochure. This includes products, services, pricing, contact information and photos. The information should be complete enough to answer initial questions from customers. Next, create an appropriate theme for your brochure. For example, an entrepreneur with a catering business may focus on childrens birthday parties and create a kids party-inspired brochure to attract specific clientele. Once youve decided on the theme, consider the physical make of your brochure. Will you use glossy or matte paper? Should the brochure be colored or black & white? Subsequently, settle on a cover photo together with a strong headline, such as Its Time to Step Up! or Take Pleasure in Your Retirement!As soon as youve created a cohesive idea for your foldable brochure, you can start with the design process.

2.Designing

This foldable brochure consists of 3 major parts: the front, interior and back sections. Here are ways of designing each panel:

Front section this panel contains the headline and pictures that should immediately attract customers needs and wants. The images on the front panel should be catchy enough for people to want to read the interior sections of your brochure.

Interior section the conventional design includes a list of products, services, and prices separated on each panel. However, if you want a more visually appealing design, you may create a layout that spreads across all sections with supporting images such as maps, product specifications, graphs and testimonials. Just make sure that image placement is well-organized so that customers will appreciate the design without losing vital information. Once customers see that the brochure looks professionally-made, they will be more interested in what your business is offering.

Back section – contact information is found in this panel, including the address, phone numbers, e-mails, and websites. Likewise, perforated coupons for product discounts or free items can be included at the back. Finally, if you want to create a lasting impression, place a final tag line that reinforces your front section headline, such as Its Time to Step Up With XYZ Company!

How To Build A Career In Banking Through Sbi, Rbi And Bank Of India Recruitment 2013

For people who are willing to work hard and build a career based upon inter personal interests can feel elated with a better working environment that is being offered by the banking sector.

Through SBI Recruitment 2013, State Bank of India is searching for young and dynamic personalities for their clerical and officer as well as manager level operation. The bank today is more emphasizing on the individuals, who are willing to go that extra mile to achieve the desired goals of the bank. The bank is equally compensating and benefiting the professionals with incentives, rewards and remunerations. As per a recent study, there will be around two lakh job vacancies in banking sector, a major share of which may be attributed to SBI Recruitment options. There is a very high propensity of people opting for bank jobs and this trend has been positive owing to the sense of job security and benefits that a government job comes along.

A career with the RBI is more than just a job. RBI being the controller of financial and economic activities in India, a job with RBI comes with such responsibilities and repute, as well. RBI Recruitment 2013 clearly targeted towards selecting the best from the competent aspirants to work in a better profile of financial sector. It not only helps in fulfilling your satisfaction index for job, but also targets for a comprehensive development of social stature. It also helps in building your skill sets by dealing in departments of forex, government bonds, debt management, spearheading R&D for development within RBI, etc. Other rewards include establishing your self-esteem and enhancing the confidence level.

Careers in the banking sector have boomed, especially in the post liberalisation era. With the advent of commercial private sector banks, the banking system in India has witnessed a sea change in operation and market capitalization. Previously, bank recruitment saw people entering banks only at two levels, clerks or as the PO officers. However, in the new age of expanding economies revolving around the financial fulcrum of the banking sector, both public and private banking institutions offer versatile facilities for young professionals. Bank of India Recruitment 2013 have witnessed versatile change in its recruitment pattern. Now many positions for Agricultural officers, Rastrabhasa Adhikari, IT officers and Specialist Law officers are being notified by the bank for adequately qualified professionals. IBPS playing a major role in recruitment and selection of professionals in the respective disciplines of clerical jobs, officers positions as well as specialist officer posts at various levels of operation.

The opportunities of making a steady career out of bank jobs are numerous, provided you have the inclination and ability. All you need is a dedicated preparation and consistent endeavour to clarify the stringent selection measures and grab a prospective position for your own.

Getting Legal Help for Mortgage Modification

Apart from losing your property, a foreclosure may also mean a negative impact on your credit score. How do you prevent this from happening? Sometimes, financial problems may lead to failure in mortgage payments that inadvertently lead to foreclosure. In such a situation, a mortgage modification may be an effective solution.

How do you approach this? It is necessary to get advice from a real estate attorney to handle it properly. He/she would have in-depth knowledge of the Illinois laws relevant to the matter. The following tips could help if you are trying to get a modification to the mortgage plan.

Plan every detail. Initially, this was available for homeowners in default, for a period of 90 days. However, nowadays, this is not a requirement. If your financial situation seems grim, it is better to plan even before you actually default on your loan. This gives you enough time to prepare for it.

Get legal advice. Consulting a real estate attorney in Chicago can be of immense help. A legal professional specializing in loan modification may help you with the planning and negotiation. Moreover, he/she could also help you find out the actual lender, whom you have to negotiate with to avoid foreclosure.

Gather all relevant documents. You would need to provide your lender adequate details pertaining to your financial situation, especially the income and expense details. Therefore, you need to gather documents like your pay-stubs, income tax return, savings and other assets, second mortgage or other credit and so on.

Prepare the hardship letter. This helps the lender understand the reason you got into the financial mess. Explain the details of your situation, and the reasons for it, in simple and lucid terms. Do not exaggerate or fabricate. Do not write a very long letter (no lender would have the patience of going through a five page letter).

Negotiate with patience. You can do it on your own if you have enough knowledge and experience. Get your attorney for help if you are not very confident. Do not settle for an amount that you would be unable to pay. Negotiate with the lender in the presence of your attorney. Still better, let the attorney do it on your behalf.

Finally, do not opt for an attorney who asks for upfront fees. You may be in for a shock as many such services are fraudulent. Choose a reputed and reliable legal advisor to prevent the foreclosure.

If you have come across any legal issues and do not know what to do and whom to ask, exploit this Houston Lawyer Directory to hire a professional lawyer to deal with your case.

Online Life coaching tells you the qualities of an Entrepreneur

If you want to be an entrepreneur or if you want to ignore your 9 am to 5 pm job, want to work, as you feel good like an independent entrepreneur then you should read this article. It will redirect you how to avoid these habits, which will save your life. If you are thinking about starting a new business or you are fed up from your company or your colleagues then we are very honest with yourself. We are also thinking about it for years. We provide you many tips in this article for becoming a successful CEO. I think many entrepreneurs have initial dream of wealth and independence, which turns out to be a mixed bag. With the help of this example, you can easily understand about the initial point of entrepreneur like from romance to comedy, from drama to thriller and others different viewings. There are many companies which provide you information about the entrepreneur needs to develop to be successful. But Business coach for alcoholics is unique from other companies. We provide you some qualities to you. 1.Simplify your goals: – Nowadays many businesses fail with be short of clarity. First of all, the essential thing to know you that what you want, and why you want it. 2.Be a labor head: – Be a labor head, because you can easily maintain and control your workers, as you want in your business. 3.Speak efficiently: – If you have big collection of effectively communication then you can easily hit impression to the people. Otherwise, people get bored during your conversation. I think communication plays crucial role in your business. 4.Be persistent: – If you will do extra hard work in your business, especially in the early years then it makes a big profit for you. The anonymous coach offers you Online Life Coaching which is able to solve your problems. We also provides individual with enough privacy. We also provide life-coaching process, which are very helpful for the people. We are able to provide facial expression or non-verbal communication of the coach.