Republic of Ireland confirms EU financial rescue deal

Author: bbc.co.uk

Job Indonesia - The Taoiseach said the amount and terms would be negotiated in the coming days with the EU and the IMF. - Job Vacancy

Indonesia Job - Irish Finance Minister Brian Lenihan said the amount would be less than 100bn euros (£85bn; $136bn). The UK and Sweden have also offered direct loans.
The crisis has been brought on by the recession and the almost total collapse of Ireland's banks, analysts say.

Markets appeared to react well to news of the bail-out, with the euro strenghening and most Asian stocks trading higher on Monday.

Once known as the Celtic Tiger for its strong economic growth - helped by low corporate tax rates - a property bubble burst, leaving the country's banks with huge liabilities and pushing up the cost of borrowing for them and the government.

Smaller banks
 
Mr Cowen said the government would be publishing a four-year budget plan that would restructure the banking industry.

EU Finance Commissioner Olli Rehn, speaking in Brussels, said the loans would be provided to Ireland over a three-year period and the assistance would help preserve the stability of the eurozone - the group of 16 nations using the euro as their common currency.

Continue reading the main story

Analysis

Gavin Hewitt BBC Europe editor

---

There was a real sense of urgency as eurozone finance ministers held a conference call trying to agree as much of this as they could before the markets open on Monday.
The European Central Bank said this was all about safeguarding the financial stability of the euro and the eurozone. The German finance minister said this was not about defending a country - namely Ireland - but about defending a common currency.
What was driving all of this was the fear of contagion - that Ireland's problem could spread to other eurozone countries such as Portugal, force up borrowing costs and perhaps force them to accept a bail-out as well.
The big question now is that there have been two eurozone bail-outs this year: Will this help draw a line under instability or are we going to see a succession of crises, raising long-term questions about the future of stability in the EU?

Reuters news agency quoted senior EU sources as saying the loans would total 80-90bn euros.

Mr Cowen said the Irish Republic's banks would be made smaller, as part of a restructuring of the banking industry.
The other part of the bail-out package would help to reduce the government's budget deficit to a target of 3% of GDP by 2014, Mr Lenihan said.
Under the bailout scheme, income tax will increase but the country's low 12.5% corporation tax - controversial for some other countries but "non-negotiable" for the Irish government - will not be touched.
It is a sign of the crisis facing the Irish Republic and some of the other highly-indebted European nations that the rescue plan had to be announced late on Sunday, before the financial markets opened on Monday, without many important details having been worked out, says BBC Europe correspondent Jonty Bloom.
The global financial crisis has dealt the Irish Republic a hard blow.
The government has responded with deep spending cuts and costly bail-outs of the banking sector.
Announcing the bail-out on Sunday, Mr Cowen appealed for public solidarity.

Continue reading the main story

“Start Quote

We should not underestimate the scale of our economic problems, but we must have faith in our ability as a people to recover and prosper once more”

"To the Irish people I say simply this: We should not underestimate the scale of our economic problems, but we must have faith in our ability as a people to recover and prosper once more," he said.

"The task of rebuilding our economy falls to our own efforts as a people," he told a news conference following a cabinet meeting on the rescue plan.

"That is where the focus of our efforts must turn over coming weeks, beginning with the four-year plan and then the budget. And now we need to show the solidarity in our own country that our neighbours have shown to us at this time."
Although the country's government claims to be fully funded until the middle of next year, it has provided a blanket guarantee to the Irish banks, some of whom are now finding it impossible to borrow money in the markets.

On Thursday, Mr Cowen's government admitted for the first time that it may need outside help.

Previously the government had said it did not need any financial support from the European Union and IMF.

EU officials fear Ireland's financial problems might spread to other eurozone countries with large budget deficits, such as Spain and Portugal.

The EU and the IMF launched a 110bn euro rescue programme for Greece in May after the government was faced with the prospect of bankruptcy.

Big government spending cuts sent large numbers of Greeks onto the streets in protest.

Kabul, 'Safer For Children Than Many Western Cities'.

Author: bbc.co.uk

Lowongan Kerja - Children may be safer growing up in Kabul than they are in London, Glasgow or New York, a Nato official has said. - Job Indonesia

Mark Sedwill said the Afghan capital, as a "city of villages", was better for youngsters than many Western cities, despite dangers posed by the conflict.
The senior civilian representative told CBBC's Newsround: "Most children can go about their lives in safety." -  Job Vacancy

But some Kabul youngsters spoke of their fears, and Save the Children said the claim was "wrong and misleading".

A spokesman for Glasgow City Council also said Mr Sedwill was "wrong" to include the city in his comments.

Kabul has borne the brunt of the war in Afghanistan and although the security situation there has improved of late, it is still deemed a dangerous place to live.

Continue reading the main story

“Start Quote

Afghanistan is the worst place on earth to be born a child - one in four children living there will die before they reach the age of five”

End Quote Justin Forsyth Save the Children

 

The UK Foreign and Commonwealth Office website advises against all but essential travel to parts of Afghanistan, and that nobody visits the areas worst-hit by fighting.

It says Kabul has witnessed a "significant escalation in the number of suicide and rocket attacks in the last year. Since late August 2009, there have been 14 'successful' suicide attacks in the city, with at least five further suicide attacks known to have been thwarted."
Several young people interviewed by Sonali Shah, a presenter for BBC children's channel CBBC, spoke of their fear of the violence.
Sohrad, a 16-year-old student, told Newsround: "Because of explosions happening in the city, it is frightening when we come to school. We are afraid of explosions in the school."
And Manija, 11, also from Kabul, described the reality of growing up in a country at war. She said: "When there are explosions I get sad because people are dying, but the next day when they are living a normal life and celebrating I get happy."
'Very few bombs' However Mr Sedwill told the programme: "In Kabul and the other big cities actually there are very few of these bombs. The children are probably safer here than they would be in London, New York or Glasgow or many other cities.
"It's a very family-orientated society. So it is a little bit like a city of villages."

Continue reading the main story

“Start Quote

We are not going to leave Kabul until we are absolutely sure the Taliban can't return”

End Quote Mark Sedwill Nato

But chief executive of Save the Children, Justin Forsyth, said it was wrong to make the comparison with children living in Western cities.

"Afghanistan is the worst place on earth to be born a child - one in four children living there will die before they reach the age of five," he said.
"We should be listening to what children in Afghanistan are saying. Last year was the deadliest for children since late 2001, with more than a thousand killed because of the conflict.
"But it's not just about the bombs. A staggering 850 children die every day, many from easily preventable diseases such as diarrhoea or pneumonia, or because they are malnourished.
"The lives of children in Afghanistan are in extreme danger. The international community needs to put as much time, effort and money into stopping children dying unnecessarily as into security operations there."
A spokesman for Glasgow City Council said it understood it was important to reassure children in Afghanistan about their safety, but added that Mr Sedwill "has got it wrong here".
"This comparison will simply lead people in Glasgow, London and New York to pull out the statistics showing how very wrong he is and his, very important, message to the people of Afghanistan will be lost," he said.
Hiding Taliban When asked why Nato troops had not won the war against the Taliban in Afghanistan, Mr Sedwill said: "It's not like the Second World War, or other wars that people are familiar with, where you fight on the battlefield.
"Because the Taliban can't fight that way... [what] they do is, they hide among the people. We are not going to leave Afghanistan. We are not going to leave Kabul until we are absolutely sure the Taliban can't return."
Leaders of Nato's 28 states have backed a strategy to transfer leadership for the fight against the Taliban to Afghan forces by the end of 2014.

UK offers loan to Irish Republic,Accepted or Not??

 Author: bbc.co.uk

Job Indonesia - The UK has offered to make a direct bilateral loan to the Irish Republic in addition to contributing to EU and IMF loans, the BBC has learned.

Sources in the UK government say it wants "to help a friend in need". - Lowongan Kerja

Although final figures will not be known for some days, BBC political editor Nick Robinson believes the UK will contribute around £7bn in total. - Job Vacancy

The Irish prime minister has confirmed that the Republic of Ireland and the EU have agreed a financial rescue package.

Chancellor George Osborne is expected to make a statement about the UK commitment in the Commons on Monday.

Our political editor said Mr Osborne and Prime Minister David Cameron had taken a decision at last week's G20 summit in Seoul that the UK would be ready to promise £7bn in loans as part of any Irish rescue plan.
The cost of the direct UK loan to the Republic is expected to be "in the low billions" and will be in the form of contingency loans which the government expects to see paid back.
Sweden has also agreed to make a direct loan to the Irish.
BBC business editor Robert Peston said the Irish Republic's economy was important to the UK economy as it received a substantial amount of British exports and its banks played a big role in Northern Ireland.

Continue reading the main story

“Start Quote

Of course this will be money we have to borrow ourselves, because we don't have any money”

End Quote John Redwood Conservative MP

• Irish PM confirms EU rescue deal
• Nick Robinson: 'A friend in need'
• Is helping Ireland in UK interest?

Our editor said the Royal Bank of Scotland had loaned £53bn into Northern Ireland, which was insured by taxpayers as RBS is a semi-nationalised bank.

So if the Irish economy were to implode, that would generate big losses for RBS and the taxpayer, he said.
He added: "Ireland's banks are huge players in international markets, that is the weakness of Ireland. If they were to go down, the ripples through the financial system would be extremely serious for all of us."
But former Conservative minister and Eurosceptic MP John Redwood expressed his concern at the move.
"When we hear about it in the House, I'm sure many of us will want to know why, how much, how long are we out of the money, what are the prospects of being repaid, what is the interest rate," he said.
"Of course this will be money we have to borrow ourselves, because we don't have any money. All the money we're spending on top of traditional programmes is borrowed."
Celtic Tiger On Tuesday, Mr Osborne said the UK was "ready to support Ireland" in achieving economic stability, if it asked for help.
He said it was in the UK's national interest that its neighbour had a successful economy.
"Britain stands ready to support Ireland on the steps it needs to take to bring about that stability," he said following a meeting of European finance ministers
Taoiseach Brian Cowen said on Sunday that the amount and terms of the overall rescue deal would be negotiated in the coming days with the EU and the IMF.
Irish Finance Minister Brian Lenihan said the amount would be less than 100bn euros (£85bn).
EU Finance Commissioner Olli Rehn, speaking in Brussels, said the loans would be provided to the Irish Republic over a three-year period.
The global financial crisis has dealt the Irish Republic a hard blow.
Once known as the Celtic Tiger for its strong economic growth - helped by low corporate tax rates - a property bubble burst, leaving the country's banks with huge liabilities and pushing up the cost of borrowing for them and the government.

Top Judge Says Internet 'Could Kill Jury System', Really??

Author: bbc.co.uk

Lowongan Kerja - Detailed analysis of the code in the Stuxnet worm has narrowed the list of suspects who could have created it. - Job Vacancy

Job Indonesia - The sophisticated malware is among the first to target the industrial equipment used in power plants and other large scale installations.

New research suggests it was designed to disrupt centrifuges often used to enrich uranium.

Detailed analysis of the worm has revealed more about the team behind it and what it was supposed to do.

Code secrets
 
The close look at the code inside Stuxnet was carried out by Tom Parker from security firm Securicon who specialises in picking out the digital fingerprints hackers leave behind in malware.

His analysis of Stuxnet shows it is made of several distinct blocks. One part targets industrial control systems, another handles the worm's methods of spreading itself and another concerns the way its creators planned to communicate with and control it.

The most sophisticated part of Stuxnet targeted the Programmable Logic Controllers used in industrial plants to automate the operation of components such as motors or pumps.

Subverting PLCs required detailed knowledge of one manufacturer's product line, the programming language written for it and insight into how it could be subverted. That meant, said Mr Parker, the list of suspects was pretty short.

"I do believe the PLC components were written in the West," he said. "It's western companies that are investing most heavily in automation of industrial processes, whether it's putting coke in cans or nuclear enrichment."

"However, the bits that drop it into a system and the command and control parts are not that advanced at all," said Mr Parker.

Iran has the highest number of machines infected with Stuxnet

 

"I've compared this less advanced code to other malware and it does not score very highly," he said.

Dedicated hi-tech criminals would not have used such crude methods of distribution and control, he said, suggesting that it was put together by a nation rather than organised crime.

What this implies, he said, is that whichever country put Stuxnet together commissioned the creation of the PLC part from a Western nation, then added its own distribution and control code to it.

The analysis suggests that a team of 6-10 people were behind Stuxnet and were involved with it for some time. Whoever wrote it would also need information about and access to industrial plants in Iran if that was the actual target, said Mr Parker.

Motor control

 
More information has also emerged about how Stuxnet disrupts the industrial control systems it managed to compromise.

Research by security firm Symantec has shown that the likely target were frequency controllers that many PLCs are hooked up to in order to regulate a motor.

In particular, said Symantec, Stuxnet targeted those operating at frequencies between 807 and 1210Hz.

"There's a limited amount of equipment operating at that speed," said Orla Cox, security operations manager at Symantec. "It knew exactly what it was going after."

"Those operating at 600hz or above are regulated for export by the US because they can be used to control centrifuges for uranium enrichment," she said.
If Stuxnet did manage to infect a PLC connected to a centrifuge, it would seriously disrupt its working, said Ms Cox.

What is not clear, said Ms Cox, is whether Stuxnet hit its target. If it did not, she said, then the fact that the command and control system has been taken over by security firms has ended any chance of it being used again.

"Our expectation is that the attack is done at this point," she said. "We've not seen any more variants out there and I don't suspect we will."

Mr Parker said that whoever did write it failed in one respect because Stuxnet has not stayed live for as long as its creators hoped.

The control system set up needed to have been in place for years to have a seriously disruptive effect on its intended targets, he said.

"Someone has serious egg on their face because they are never going to be able to use this investment ever again," he said.

Google's wi-fi data to be deleted

Author: bbc.co.uk

Job Indonesia - The UK's information commissioner has said that wi-fi data accidentally collected by Google's Street View cars will be deleted "as soon as possible". - Job Vacancy

Lowongan Kerja - Deputy information commissioner David Smith told the BBC that there would be no further enquiries into the matter.

He said there was no indication that any information collected "had fallen into the wrong hands".

It will not appease critics who called for the search giant to be fined.
There were no grounds for fining Google, Mr Smith told the BBC.

"We'd have had to find that there was substantial damage or distress to individuals from the collection of snippets of e-mails, URLs and passwords. We'd have to meet that criteria for a penalty to be imposed," he said.

Google admitted earlier this year that it had accidentally collected information from unsecured wireless networks around the world.

The incident came to light during a routine audit by the Hamburg data authority.
It led to dozens of enquiries with some - notably the Canadian data commissioner - offering detailed findings about the nature of the breaches.

The Canadian investigation found that Google captured personal information, including a list of names of people suffering from certain medical conditions.
Canadian privacy commissioner Jennifer Stoddart said thousands of Canadians had been affected.

The findings led her to conclude that the search giant "seriously violated" its privacy laws.

More training

Mr Smith admitted that the UK had conducted a much more basic investigation.
"We spent less time searching than others did. If we had searched for days and days we would have found more," Mr Smith said.

Following this audit, the ICO ruled that "no significant breach" had occurred.
But following publication of the Canadian data commissioner's findings, the ICO changed this to a "significant breach".

Mr Smith said that the ICO had intended all along to base its final judgement on the findings of its counterparts.

"It is not a good use of the data protection authority to duplicate more in-depth enquiries," he said.

"We have based our decision on the findings of other data authorities. It was exactly the same type of information found by them," he said.

Mr Smith revealed that the ICO is only able to audit companies that have given prior permission for such an investigation.

Jim Killock, executive director of digital advocacy The Open Rights Group, thinks this is a "shocking state of affairs".

"The ICO needs more powers and definitely needs more technical expertise," he said.

"To my mind people's privacy has been breached and they should be told about it. The ICO has a duty to let people know what has happened," he said.

Mr Killock believes that Google's data breach is more akin to unlawful interception, similar to opening someone's post without permission.

The UK currently has no public body to investigate interception breaches, a gap that that led the European Commission to launch legal action against it.

The Home Office is currently consulting on how to make sure it complies with European legislation on the interception of communications.

Following the ICO's ruling, Google has promised offering privacy training to its staff.

Other data bodies and groups around the world are still investigating its capture of wi-fi data.

Mr Killock is hopeful there will be harsher punishments for Google down the line.
"I should hope it would be fined," he said.

How to Earn Some Fast Bucks By Reviewing Blog Posts

Author:  A Karmakar

Job Vacancy, Indonesia Job, Job Indonesia

Blogging and business share a common concern; and that is the goal of earning through reviews or blog posts. In other words, writing blogs for paid up sites can definitely serve as a good business option to earn from the confines of home. Such activity proves mutually beneficial to both bloggers and advertisers. Attractive blogs have immense persuasive appeal upon audience. Knowing the correct tactics of money- making combined with a bit of intelligence and creativity proves good enough for making money through online work.
Review writing proves helpful during the initial stage. A comprehensive article regarding a company's products boosts sales while acting as an indirect advertisement. While conventional advertising concerns a single product or company by focusing only the positive sides; a review provides a genuine overview about the pros and cons of a product by subtly emphasizing on some points. Reviews thus establish a comparison between similar products of different brands.
Writing a favorable review
Writing a review to boost the sales of a company while maintaining originality could be quite a challenging task. However, following the tips mentioned below can be helpful:
- An honest but favoring review being the objective; provide actual details while highlighting certain factors as a personal preference.
- Write from the point of view of the reader to ascertain their demands and provide ready answers to the expected queries. Your writing should streamline the reader's option to the product aimed for sale without distorting facts.
- Ascertain the behavior and mentality of your prospective audience and write to their tastes. Summarizing gives a better viewpoint to the review.
Steps to write making money through review blog posts
The first step involves creating a blog with a free blogsite. As the site gets a bit older with regular inflow of visitors and blog posts you can avail a Google Page Rank and qualify for being a paid blogger through some sites that connects you with advertisers willing to pay for getting reviews written professionally in order to boost sales of their products. Depending on your experience and expertise you can negotiate bids on your reviews or establish direct contact with advertisers.
While payments may vary according to the length of assignments and quality of writing, it is possible to register with different sites at the same time to secure greater assignment and earn more.
Above all it's credibility that counts in the world of blogging and you as a blogger should abide by your responsibility to maintain a stable bridge between the customers and the company through credible writing.

 

Writing a Sales Letter - 8 Tips to Write Effectively

Author: Carolyn Anderson

Job Vacancy, Indonesia Job, Job Indonesia

Sending out some sales letter is one of the methods in marketing your business online and increase your sales. Of course, you are communicating directly to a potential customer, and this could be translated into a sale with the help of your sales letter.
Moreover, in the stiff competition online where businesses are exploring a lot of ways to reach out to their target market, it helps a lot to learn some tips and strategies in writing a sales letter that can give you results.
Here are 8 top tips to help you in writing a sales letter that can deliver sales, which of course, is its ultimate goal.
1. Have a clear-cut objective on why you are writing a letter. Like a business plan, you also have to know what you want to achieve in writing the letter. With this, you will be guided on what to aim for and you can also assess later on if you are indeed successful with your goals.
2. Write attention-grabbing leads. Like writing ad copies, writing the first few sentences in a manner that can catch the reader's attention is one of your first steps in making your letter effective. Of course, it is important that you get the attention of your reader and lead him to read what you want him to read.
3. Use a conversational tone in your sales letter. This will make your letter sound natural. Of course, you don't have to be too formal with your letter. It is of course a lot convincing and less boring if you talk the natural way and your get rid of the stiffness in formal writing.
4. Focus on the benefits and advantages that the letter recipient can get from your business or your product. Do not focus much on the features of your product. Of course, the people are much more interested in what they can benefit from the business and giving that information to them is one thing that can surely catch their attention.
5. Personalize your letter. Instead of sending it to a 'Dear Friend,' try putting your recipient's name. Personalizing your letter will help you get a good response from the recipients and will more likely give your sales a boost.
6. Use simple vocabulary and make your letter simple and concise. Avoid using jargons that only a few people understand. Do not also make a lengthy business letter that will only bore your reader.
7. Include testimonials if you can. Testimonials are also great tools to help you add more convincing power to your sales letter. Of course, this will also give the recipient an idea on what is your business like and will also give an idea on whether other people are satisfied with your business.
8. Pick powerful and convincing words and phrases that will give you higher chances in getting a response from your recipient. This can be your secrets in writing a sales letter that can really sell.
Of course, you also have to check that you have a call to action with your letter and you proofread your letter for spelling errors.

How Copywriting Helps You to Sell

Author: Lewis Ormond

Job Vacancy, Indonesia Job, Job Indonesia

Many businesses small and large use copywriters and many other don't, preferring to write their own copy. However, unless you are a 'natural' or have trained yourself how to write copy, the chances are that any of your competitors who use a professional copywriter will convert more of their site visitors to buyers than you will.
The why is simple, in today's fast paced world we are impatient consumers of information, we don't want to wade through pages of copy no matter how informative, we want to know what we're going to get out of it and we want to know that fast!
A professional copywriter knows how to present the benefits of your product or service instead of the features and although you may very well be proud of all the features that come with your product or service, what your prospect wants to know is 'what's in it for me?' that means 'what benefits are there for me?'
A professional copywriter will also know which are the best fonts to write in, these are the fonts that are the most easily read, rather than the most elegant or the latest fad.
These days people like information presented in easy to bullet points, if necessary with links to 'more info' so they have the choice of consuming the entire content or just the headlines. If they like the headlines or bullet points then they'll probably move on to the 'more info' in a frame of mind that is more open to buying.
Why? Because their interest has been captured, they have a good idea that you provide what they're looking for and so they are now prepared to spend the time to read more about what you offer.
· Benefits not features
· Short to the point copy
· Readable text
· Simple words
Now you may be wondering why I say 'simple words' well because whilst you may understand your industry jargon, many of your prospects may not. I'm talking about 'insider' words, those that are unique to your industry, if you are selling business to business they may be applicable and you may have many prospective clients who understand some terms. However for the most part your copy will read better and grab interest more quickly if you keep 'jargon' to a minimum.
The other way to keep words simple is to remember that if you're dealing with the public using long erudite words may complicate the cognitive processes of your intended demographic audience.
What that means is keep the words simple so everyone can understand and think about them clearly so they can come to a decision to use your services!

How to Become a Forensic Accountant

By : Erick R Johson

If you want to learn how to become a forensic accountant you will need to begin with an analysis of yourself and your skills to determine whether this job is right for you. Getting education and career information from a local college that offers accounting programs is also a good idea. A forensic accountant can be involved in anything from a simple police investigation into criminal activity to a government investigation on terrorist attacks, with a blended role involving both accounting and investigating.

If you are going to become a forensic accountant you will need skills such as confidence, curiosity, organization and the ability to look beyond what is on the surface. You will also need good communication skills so you can easily get up in front of audiences to present evidence with an air of credibility. If you think you have these skills, then you'll need to start working on your education. In order to be certified as a CPA (certified public accountant) or CFE (certified fraud examiner) you will need to get a bachelor's degree as well as a master's degree with an accounting specialization focused on the forensic side of things. This will prepare you to pass the certification exams. Membership in the American College of Forensic Examiners will also help with your career goals.

There are many places to look for forensic accounting programs, just make sure you choose an accredited institution of higher learning that offers all the tools you'll need to succeed in your career. If you're serious about this profession, you can also talk to federal and state government agencies, insurance companies, police departments and lawyers to see what kind of forensic accountants they hire and what the job entails. This will help you decide what specific path you want to take in the forensic accounting field.

Once you have your degree and have passed the certification exams, you can enter the forensic accounting field as an entry level accountant earning anywhere from $30,000 to $60,000 a year depending on your location and job description. In a few short years, though, your experience will prepare you to earn a six figure salary, especially if you work in the private sector.

Job Vacancy , Indonesia Job , Job Indonesia

You Can Become a Financial Planner

By : Susan Bean

If you like trying to make money into more money, then you should become a financial planner. A financial planner uses all resources at his availability, such as software, hunches, and graphs which show the trend of certain product growth, to determine what is going to occur in the market.

Analysts make decisions which, in turn, make them to decide whether to buy or sell for their clients. Oftentimes, now-a-days, all of these buy/and/sell trends are built-in to the software that you're using. They're designed to monitor the trends and then respond to them, making split-second decisions.

When people are experiencing frightening times, they basically just need for you to tell them that everything will be OK in the end. The thing that makes people so frightened is, they don't know what the outcome will be. When you give them something to trust in, even if the thing you give them to trust in isn't a guarantee, it makes them feel better about the situation.

To be a financial planner, then, is to uphold theories which hold the possibility that things will turn out OK if one just holds on long enough. When one keeps holding on instead of giving up hope, things get better. They didn't have the energy to do what was necessary before; but with a renewal of belief that things will turn out alright, they oftentimes can fight those feelings of fear and come up with the strength that's needed in order to follow-through and make things turn out in a good way.

A financial planner helps order their lives during a time when everything might seem to be thrown into chaos. Panic tells people to sell everything, run away, hide, go somewhere else. It tells them that whatever they have, that's the wrong thing. Get something else (it really doesn't matter what that something else is, to fear). Fear is a liar and must not be listened to.

If you are a financial planner, then you will be responsible to reduce people's fears. The reduction of people's fears does more than anything else to make things come out steadier and truer than they were before.

People have the tendency to make dumb decisions whenever there are troubled times. Money is a thing that can slip through your hands if you become frightened. "Got to sell... got to sell!" just keeps going through your brain when you're afraid. Or, just as irrationally, "...got to buy!" can replace that fear with another.

A financial planner's biggest job is to calm down their clients. Once someone has stopped panicking is the time to make decisions. The thing that has caused every market crash has been fear. The measures that have been instated to keep fearful things from making the market plummet are things which stop fearful reactions from taking over.

When you become a financial planner, you'll be learning how to deal with people's fears. You'll set their ability to feel that their future is more stable. Once that has occurred, people can make better decisions rather than just relying upon a bad sense to tell them what to do with their money.

Job Vacancy , Indonesia Job , Job Indonesia

What Would Be Your Financial Planner Job Description?

By : Adrian F Alexa

If you want to make a career as a financial planner, you're going to need to familiarize yourself with a financial planner job description.

You will be helping to create a plan with either businesses or individuals so that they can better use their savings and income, balanced with their investments. You might either work for yourself, in a freelance condition, or you might be employed by some insurance company or other financial organization. Savings and loan establishments offer financial planning, as do banks, investment services companies, those who handle mutual funds or those who handle IRAs.

There are also tax sheltered investment plans and real estate. One decision that's currently being made is whether one should purchase gold as an investment. Back in the year 2000, gold was $278 an ounce. If you had been smart and purchased gold back in the year 2000, which I did, each ounce coin would now be worth $1200 apiece. Since I purchased 24 one-ounce coins, that means that my investment went up over four times in ten years.

I also purchased one platinum coin, which at the time was around $850. Now, platinum is over $1200 a coin. So, when you're doing financial planning, you should consider such things as gold, as well as stocks, bonds, and other methods of gaining security. At the time I had told all my friends to purchase gold; but nobody listened. That's the way with good decisions, you might see something very clearly whereas everybody else, because they've been thinking in the ways that people have thought for many decades, make poor decisions.

Thus, part of a financial planner job description should be, think on-your-feet. Don't just go by what everybody else is doing. They might all be doing it wrong. If you do it the right way, then you're the one who will be the right one even if you seemed to not know what you were doing back when you were doing it. One must always follow their gut instinct before everything else.

As a financial planner, you'll be helping people look at their long-term and near financial situations. Now, as opposed to any other period of recent past, you probably need a financial planner to help you assess what you should do. Fear creates bad decisions, and now's the time that you might make rash decisions that will affect the rest of your life. Not doing what fear is telling you to do is almost always the best choice at all times.

Financial planners are also sometimes called personal financial analysts. Some call them personal financial advisors or financial consultants. In each case, they will help you determine what to do in these times of tough economic straights. To get a handle on your fears, and see things in a more calm state of mind is always a good thing to do.

A financial planner job description would include the ability to tell people when the best time is to sell your home, whether you should take out a second mortgage on your house, what time you might start retirement, and such as those.

Job Vacancy , Indonesia Job , Job Indonesia

Are Sales Jobs in Jeopardy Because of the Internet?

By : Adrian F Alexa

Sales jobs have their own history and might stand for one of the oldest métier in the world. Trade turned into sales and this segment has simply exploded. Yet, lately, sales jobs have been somehow affected by e-commerce, an invention of the internet, which annihilated the role of a sale person by offering a simple and an easier alternative to the traditional selling-buying process for the supplier and the customer.

We all know that internet can get us anything. This is why selling matches perfectly the Internet phenomenon. In addition to this aspect, Internet supports another important factor in sales - advertising.

An amazing advantage of e-commerce over classic sales is the fact worldwide web connects directly advertising to selling. This flow is not interrupted as in the case of classic selling methods. Therefore, we can say that internet advertising generates more rapidly and more efficiently a higher sales volume. Given this fact, many companies have started focusing more on this niche and implicitly minimized the role of their employees who performed traditionally this job. Moreover, some companies developed their business exclusively on the e-commerce method.

In contrast to a local store, a site on the Internet that promotes products has many benefits related to costs. For instance, a site can visited anytime 24/24h, 7 days a week and you do not need to hire a person to be there. However, the customer could order the item that interests him as the e-commerce is designed to process orders automatically.

All in all, many sales person state the fact that classic jobs are losing importance as the Internet allow customers to buy a wide array of services and products at their own pace.

Job Vacancy , Indonesia Job , Job Indonesia

Career Choices - Play Safe Or Run the Risk?

By : Adrian F Alexa

Career choices -that is for sure a tricky issue for many of us, simply because career impacts quite strongly all aspects of our lives. Having a good career means that we are given great chances to improve significantly our lifestyle and consequently our overall attitude. Yet, this fact is pretty much conditioned by the decisions and choices we make regarding our career. At this point people might fall under two different categories, explicitly, risk-takers, and safe-players.

Well, when it comes to our career, it is wisely to find the middle path so as we will benefit from both approaches. It is all about keeping the equilibrium between two different approaches. The better we counterbalance risks and safety, the more we will experience career achievements. There are few tips that you might find of much help each time you are in the position of making career choices.

Do not be too radical

Going for the radical option is nonetheless too risky. The most common mistake is changing radically your sphere of interest. Switching between careers is not the same thing as switching between areas of activity. Therefore, if you assume this risk you will have to start all over again as a novice or an apprentice although you have been considered an authority in your previous career.

Focus on new career options

If you are not satisfied with your current job, do something. First of all, reconsider your options, you might simply notice that you have new and quite alluring opportunities. Moreover, if you tried anything else to improve your work and nothing good happened then you should act fast.

Job Vacancy , Indonesia Job , Job Indonesia

Career Risks - Face Up the Fear of Failure

By : Adrian F Alexa

Building up a career is a challenge, it takes time, effort and of course a grain of luck. What happens when you do not pursue the path that you initially planned? Many have experienced episodes of failure, which might have dragged them down. It is important to manage wisely this kind of experience so as we will not let our pursuit be affected.

Therefore, if we want to cope with career failure, we should change our attitude, more precisely, we should approach from a different point of view all our endeavors. Here are some steps you may follow:

Risks is not equal to failure

Be being afraid of failure, we have an exaggerate tendency to associate risks with negative thoughts and implicitly the entire pursuit. We might call this a sort of auto-sabotage as if we voluntarily annihilate our perspectives to reach success. First of all, taking all the risks is the first step we make towards success. Try to envisage the positive side when you need to take further your career, soon you will realize that taking risks is worth considering.

Success is not a chain reaction

Mistakes, errors, wrong choices, call the as you wish, arre part of our lives. They make us stronger and quite often stand for a good lesson. Thus, each time you fail, think of how you can explore positively that particular experience. This strategy teaches you how to look for the bright side in all your attempts.

Be realistic

Self-confidence is nonetheless your key to career success, yet it is highly recommended to be fully aware of your own potential so that you will prevent a good row of deceptions related to your career.

Job Vacancy , Indonesia Job , Job Indonesia

Can a Degree Impact Significantly on Your Career?

By : Adrian F Alexa

Education has a key-role due to the fact that teachers' guidance prepares us for life. But how far ca we go in education? Each major phase or big step turns into a certificate, a diploma, or a degree. All these stand for educational rewards upon completion of a program and are supposed to help us find a job, to advance professionally.

If baccalaureate diplomas are these days more than necessary, degrees, and we are talking about the university level, are supposed to enlarge our career horizons. Although we know people that run their own business and yet, they have not been formally prepared for management, we should not ignore the importance of getting a degree for the following reasons:

Getting prepared within specific realms increases your options

Usually, a degree prepares you for a very well defined professional activity. It is not a general approach of various domains, since you have already accomplished this stage in elementary and secondary schools. As for secondary education, it helps you focus exclusively on your skills, interests, and opportunities.

Degrees are mandatory when it comes to specific positions and activity domains

In order to hold a particular job position or to practice a specific type of work you are required to complete a corresponding educational process. Sometimes, depending on the path you want to pursue or the career level you want to attain, there is more than necessary to earn a degree. For instance, there is no registered teacher who is allowed to teach in schools without having proven he is an accredited degree holder.

Job Vacancy , Indonesia Job , Job Indonesia

What NOT to Ask in a Job Application

By : Adrian F Alexa

In a hiring process, you want to be effective and productive, and narrow down your options as much as possible. Browsing through a pile of resumes takes up a lot of time and energy, and there's always the burden of having to read three pages of useless information to find one thing that would be relevant for the job opening you have. To avoid this burden, many companies choose to set up preprinted job applications, focusing on the fields they are most interested in. You can either let your human resources department design an effective job application form, or look into the services of various business-supply companies.

If you choose to design the application form without professional help from other companies, take the time to determine exactly how much information you really need. Require only the information you really need. Less is more, so stick to the essentials. Second of all, pay special attention to the questions you ask, so that they are not discriminatory or offensive in any way, and meet all federal and state laws. You cannot put questions regarding race, religion, sex, sexual orientation, nationality (you can ask, however, if the candidate is eligible to work in the U.S.), marital status, height or weight, arrests, political preferences, handicaps or any other question that would set discriminatory criteria.

Apart from the questions in the job application, there are also various other things you should not do in any stages of the hiring process:

-you cannot request the candidate to provide a photo before employment; it would be discriminatory and make you vulnerable for a trial;
-you can ask for the full name of the candidate, but you have no business in inquiring about his mother's maiden name, his wife's maiden name or anything like that; such a suggestion may generate various interpretations, and may come as just another way of asking about marital status;
-you can ask the candidate's address, but it is inadmissible to ask whether he owns or rents the residence, nor how long has he lived there;
-if you cannot directly ask the candidate how old is he, you also can't ask him when was he born, when did he graduate from high school, or any other questions meant to be a tip-off for age;

Basically, don't ask anything you don't really need to know. And let's face it, the law did not prohibit questions that are essential for finding good candidates. It simply excluded the ones which did not allow fair and equal opportunities. Ask just what is highly relevant for the job in question, and remember to require applicants to sign the application form and guarantee the accuracy of the information.

Job Vacancy , Indonesia Job , Job Indonesia

How You Can Improve Your Career With Continuing Education Programs

By : Adrian F Alexa

All active professionals are given the opportunity to expand their horizons with continuing education programs. These formats are specially developed to meet the demands of active employees who are willing to pursue career advancement. This kind of educational program has few specific features, which make it different from other educational programs. Below you may find out the outstanding benefits:

Flexible courses

As attendants already have a busy schedule, continuing education courses are organized and structured so as students are able to carry out both educational and career sides.

Specialized programs

Continuing education programs focus on very specific niches as they provide students with information that entitles them to perform more complex job duties than before.

Short-term programs

All continuing education courses are planned as short-term formats in order to convey as soon as possible the adequate knowledge. Moreover, expanding the format might have a negative impact on students' perception considering the entire program as overwhelming. Therefore, short-term programs are the best solution to attendants' interests.

Cost-effective career solutions

Generally, employees who decide to enroll in this kind of program want to want to obtain a certificate that will give the right to expand their area of practice. In addition to this advancement, a new step in career is rewarded with a better salary package. Therefore, the expenses that the completion of a continuing program involves are covered with ease by new financial opportunities.

To sum up, enrolling in a continuing education program is worth investing simply because the advantages that will come upon completion will improve your life.

Job Vacancy , Indonesia Job , Job Indonesia

Teenage - The Right Age to Learn to Earn

By : Rouge Khan

While most of their fellows spend their six wonderful years making fun of everyone round the block, there are teens who prefer making money during those precious years. Most of the parents and adults are of the thought that teenage is not a very ripe age to understand money and business. However, it may be the best time to learn to earn.

There are hundreds of teen wonder stories about teens who made a fortune out of the most strangely brilliant business ideas. The reason behind their success is not just sheer luck but the fact that teens have more energy and enthusiasm than their adult counterparts. As young people, they don't know any boundaries and therefore they have the abilities to reach beyond the boundaries. They think unconventionally and out of the box and take the whole process as an adventurous challenge.

Another fact that teenagers are successful is that they don't fear failures. They literally have nothing at stake and they don't have much responsibilities and obligations towards the family. Therefore, they feel free to try new things and don't fret over the possibility of failure.

Another interesting fact is that most successful teen entrepreneurs started their business without a big capital investment. There business started up as a personal hobby which emerged as a small business due to their utter dedication and passion. Later, these small businesses became successful ventures because the teens don't only relied on old school marketing strategies but rather used technology to their utmost advantages.

As the representatives of next generation o rule the world, teenagers have the power to change the world and its rules. Otherwise, there is no way someone can earn a fortune just out of Granny's jam recipes. So, if you are a teenager, better start working on your niche and start your own business because times wont be the same forever.

Job Vacancy , Indonesia Job , Job Indonesia

Jobs Opportunities in Dubai - The New Land of Opportunities

By : Shabbir Kagalwala

Having grown from a sleepy fishing town of around 6000 people to a bustling modern metropolis today, Dubai completely transformed itself over a period roughly between 40 to 50 years. Though it received a big push in the growth area from petro-dollars initially, Dubai realised that it could not depend upon this income forever. Testimony to this is the fact that today, the oil income forms roughly between 3 to 5 percent of it's total. The first boom came in when oil was newly discovered in the United Arab Emirates. Infrastructure related to oil drilling, exploration, and transportation of oil was created in The entire country, including Dubai. For this, experienced skilled and unskilled labour was required. Since the UAE itself had none of these, they opened their doors for workers from across the world. Taking advantage of this, workers from countries across the world came to work here. Not only were they paid more in comparison to their home countries, but, in some cases, the exchange value between the currencies was a great motivating factor. This helped the economy of UAE develop, and, everybody, including the Emiratis prospered.

Money liquidity created demand for all sorts of goods and services which were imported for distribution here. To take advantage of this business boom a lot of entrepreneurs set up businesses here from across the world. To establish a business in UAE, required an Emirati as a partner. This influx increased demand for more products and services like education, healthcare, housing, food, etc. The government ensured that all products and services offered here adhered to strict quality standards. To take advantage of this boom now, companies from across the world set up shop here. This made sense as more competition meant lower margins, which were offset by bulk sales. This was a turning point in the GOLD rush for Jobs Opportunities in Dubai.

Big, large projects were announced in the office, residential, commercial spaces due to entire townships being erected like the Dubai International Finance Center, Dubai Internet City, Dubai Media City, Dubai Sports City, Dubai Healthcare City etc. The number of schools, colleges, hospitals and Nursing homes too grew in a frenzy to cater to the population of not only Dubai or UAE, but that of the entire Middle East and North African (MENA) region. In fact, these are now also attracting the nationals of the countries of the erstwile Soviet Union.

The global financial meltdown of 2008 hit UAE very hard. It experienced a crash in it's real estate sector like never before. Business was hit very hard. Almost every company announced major layoffs and no plans to recruit afresh for a big period of time. Many foriegners working here left for good. The Construction industry, that had been a strong engine of growth for Dubai had had it's brakes jammed hard. However, all this did more good than bad. All the dead weeds of the economy got pulled out. The economy is back on track and starting to grow too. But it is now more efficient than ever before. Excellent Jobs Opportunities in Dubai are coming up now, but strictly for the deserving candidate only. Dubai now wants the best of the best. Their strategy is to attract high quality talent with top of the line salaries and perks.

Job Vacancy , Indonesia Job , Job Indonesia

A Whole New World With Pharmacy Technician Jobs

By : Anna Marie Narras

There are people who are starting to wonder if all the good things they hear about pharmacy technician jobs are true. Type in pharmacy technician jobs on your internet search engine and you'll read about how high the demand and that the need for this job will continue to grow in the coming ten years, or so. If that is so, why is it that there are those who couldn't get be in this profession even though they are qualified for the job openings because they're finished a training program. Now, there are individuals in this profession that are beginning to wonder if the certification they're carrying is as important as what those internet articles are claiming.

Many people who signed up and finished pharmacy technician training courses assumed that after doing so, pharmacies and other companies looking for applicants will come knocking at their doors. There are also some people who were certified by either PTCB or ICPT that are in the same boat as the previously mentioned group of people that believes getting pharmacy technician jobs is that easy. Even if you're already certified, you still have to go out and present yourselves to potential employers. Some experienced jobseekers will even tell you that job hunting is a job in itself.

The question for now, I guess, is how to start looking for such jobs, but the better question IMHO is where to look. While we're on the subject, if you don't know what IMHO stands for (In My Humble Opinion), that only means you're also not aware of the many advantages that the internet can give your career. IMHO is a common abbreviation used by experienced users of the internet and they are very well aware also that you can find many things on the internet. Most job ads for this career can be found on the internet because companies that have needs for that position are posting them online. Try searching for these companies' websites because that's where they usually post the list.

If you're still considering signing up for a training program and don't know yet which school to enroll in, consider the school that have a job placements assistance program for their graduates that will help them find pharmacy technician jobs. Obviously, that will be a great help when you're just starting your career. You can also join professional groups like the NPTA, a society for pharmacy techs. Professional groups like the NPTA usually have programs and special events exclusive only for group members where they can find potential employers or help them become aware of the latest developments in the said field.

The worst thing that you can do is be discouraged and give up finding a job is when you hear other people failing to land a job of their own. Some people can't get themselves hired for this profession because of a lot of possible reasons. According to the US Bureau of Labor Statistics, almost a hundred thousand new pharmacy technicians will be needed in the next decade, and that means the job opportunities will be out there. Finding a job is not that easy, you have to work hard for it, too but eventually, you will find that one job that you really like.

Job Vacancy , Indonesia Job , Job Indonesia