Part time Computer Jobs

Computer systems analysts, database administrators, and computer scientists are expected to be among the fastest growing occupations. Employment of these computer professionals will grow much faster as organizations continue to adopt and integrate increasingly sophisticated technologies. Job increases will be driven by very rapid growth in computer system design and related services, which is projected to be one of the fastest-growing industries in the global economy.

Hiring of the Indian software professionals is on the upswing. Eight leading software players reported 47% growth in employee strength in last one year. Additionally, a number of global and Indian players have announced plans to add additional software professionals during the coming years.

Chennai is among one of the major cities in the country and has got a great importance for providing employment to the citizens of the country, a great mob of people from across the world visit this city in search of their better life. A large number of career opportunities are available for the fresher and working individuals in Chennai almost in every field as banking and finance, information technology (IT), hospitality and healthcare, journalism, transport etc., you can easily grab a computer operator job in Chennai because the city is accustomed with many of the international companies who have their big offices in Chennai. Computer operator job in Chennai is also available in a large extent as the city is full of enormous IT companies and other organizations with a huge requirement of computer operators in the offices. Chennai is a place which is very much well-known for its big IT companies and Industries also has vast opportunities for part time jobs in many of the organizations. Part time jobs in Chennai are now very much popular among the youngsters for a fast earning, a large number of young boys and girls are into part time jobs in various organizations simultaneously along with their studies.

Multinational companies in the city are the main attraction for the job seekers and these companies are fulfilling the job demands of many of the individuals. Many of the candidates look for jobs in the field of hospitality and healthcare but for that they have to have a related degree or working skills. Job opportunities in the healthcare sector gives to chance to start working as a compounder or a health care executives. In the area of banking and finance also, one can get the opportunity to work on the part time basis. However, one may also be a graduate or post graduate in any discipline and can get a job in the field of sales and marketing of different financial commodities. For getting a government job in Chennai is also tough but if you have strong determination and conviction for it then you will definitely get that, but for that you need to have the proper information about the government job in Chennai you are looking for. Work from home jobs in Chennai are available in a large scale which is preferred by women and students mostly. Work from home jobs includes article writing, web writer, content posting, ad poster, proof reading and other such jobs. If you are interested in any one of these jobs in Chennai then you can search on online free classified portal khojle.in.

What Caring Job Is Right For You?

Deciding on a career is one of the hardest and most important things you will ever do. It’s not like you can’t change careers later on, but starting off in the right direction is important to keep your momentum up. A career is indeed not something you devote to a single company as you might have done in the past, far from it, now a career is more a path which you take yourself down that has goals and a theme but no direct route.

One of the best ways to decide on what to do is to pick your theme. This might be something practical like building or carpentry, or perhaps something like a broad subject like chemistry or medicine, or maybe you want to work outdoors or in space?

Caring Theme

One of the most common themes people choose for their career is anything as long as they can care for other people. Here are some of the best jobs you can do if this is the sort of career you want to have:

Vet

There is nothing more helpless than a wounded and defenceless animal. What better way to pursue your desire to care for others than to dedicate your life to sticking your hand up cow’s behinds, fixing broken donkey legs, helping dogs to regain their sense of smell and putting gorillas to sleep.

Doctor

Fixing a broken heart is literally what some doctors do and what better way to care for someone than to do that for a living. Doctors have so many roles but are always working towards making people feel better in some way or another.

Teacher

While many teachers will not feel very caring towards their pupils, if they really think about it they do the job because they care about children and teenagers education. They want the world to be a better place so want to work to ensure that future generations are better educated.

Nurse

Nurses are the backbone of the healthcare system in the UK and in particular those in NHS nursing jobs. They do all the caring that doctors don’t have time to do, while also providing constant monitoring and emotional support to patients in all areas of medical care. Even at the dentist in dental nurse jobs!

Prison Officer

While a lot of the job is spent making sure that prisoners don’t escape, the rest of the job is basically caring for them by making sure they don’t hurt themselves or each other.

How to get bank loan

Loan defaults: Banks can take your cash from account

Did you know that banks can hold your money hostage? Well, they can, and the ransom you have to pay to get your money back: clear all outstanding dues. Banks have devised a clever way of ensuring that customers clear credit card dues and repay loans on time. If you default for several months, the bank can deduct money from your savings accounts or refuse to pay money from the fixed deposit when it matures.

No, banks aren't trying to con you. What they are doing is perfectly legal. In fact, they have your permission to do so. You don't remember giving it, do you? But you did when you signed on the dotted line while availing of the loan or the credit card and accepted the terms and conditions (T&C).

The fine print will have a statement similar to this: "I hereby grant and confirm the existence of the right of lien and set-off with the Bank, which it may use anytime to utilise any money belonging to me and deposited with the bank, towards any outstanding dues".

All this legalese simply means that the bank has the right to deduct money from your account. "Any collateral that the bank can legitimately hold can be held back. Even FDs can be used," says Harsh Roongta, CEO, Apnapaisa.com. Of course, if your T&C does not state this, the bank cannot touch your money.

Says Kishori Udeshi, chairman of the Banking Codes and Standards Board of India that lays down the code of conduct for bankers: "Banks can't debit unless you agreed that such measure can be taken while taking a loan. However, if you have signed on the loan contract and it mentions that the assets can be adjusted, then they can."

So, if you aren't careful about clearing all your dues with the bank, you might find yourself bankrupt, literally, as Ashish Jha (name changed) discovered last year. For the Mumbai-based script writer, 2010 began with a financial blow. He had outstanding dues of Rs 90,000 on his credit card and had lost his job.

In April, he asked a friend to lend him some money, who transferred it to Jha's account. When Jha went to withdraw the money, he found that the bank had deducted the whole amount as payment towards the credit card dues. A few months later, Jha deposited a cheque of Rs 35,000 in the bank that he received as payment for writing assignments. This too was appropriated by the bank.

If you think you can avoid such a situation by opening a second account, you still won't be able to get away. You can't default on one account and get away by keeping to the straight and narrow on the other. Take the case of Sumit Shah (name changed), who had taken a loan against gold from Canara Bank.

Even when he repaid the entire loan, he could not get the jewellery back as he was defaulting on a different loan that he had taken from another branch of the bank. Similarly, Charan Singh Guha too had to lose out on his savings. When Punjab National Bank withdrew money from his account, the banking ombudsman upheld the bank's right to do so as Guha was the guarantor of a loan that had not been repaid by the borrower.

A bank is eligible to demand additional security when property prices fall. Even if you are loyal on your EMI payments, this clause demands a security cover in addition to your loan amount and if a borrower fails to provide such a security then he/ she may be declared a defaulter by the lender.

Sameer Tiwari, a Pune based mechanical engineer, thought he had made a “prudent decision” by opting for a fixed rate EMI when he took his home loan five years ago from a reputed national bank.

Three years after the date of disbursement, Sameer received a letter, which said it was time for renewal of his loan and that the interest on his fixed home loan had been increased by 0.5 per cent. Though this did not mean a change in the actual EMI he paid, this would however reflect first on his loan tenure, which would be increased to accommodate the interest change. On checking with the bank, he learned that there was a clause in the agreement that said the fixed rate was only for a period of three years and not for the entire loan tenure!

This letter brought endless, sleepless nights to Sameer and his family now, they had to recalculate and replan all their income sources and planned expenses because the “fixed EMIs (Equated Monthly Instalments)” will increase!

What is a loan agreement?

A loan agreement is a ‘contract’ entered into between the borrower and the lender (banks and financial institutions) that regulates the terms of a loan. The loan agreement comes into picture immediately after the bank appraises your credit and the property that you have identified.

The agreement and the fine prints…

In the euphoria to acquire that dream house, various clauses in the loan agreement are often overlooked. However, these clauses have a significant bearing on areas ranging from interest rates to repayment schedules. Reading home loan agreements is generally viewed as a sheer formality and one always tends to ignore points that the agreement mentions. Moreover, the legal language used in the document often seems more alien than human!

In any case, not reading a loan agreement thoroughly can land you in a soup. Here are some clauses, which should be searched for inside a loan agreement and be clarified with your HFC (Housing Finance Company):

Reset Clause on Fixed Rates: Banks have introduced the reset clause in their fixed rate, home loan agreements so that they can increase interest rates in case the market rates increase in future. This effectively makes fixed rate loans equivalent to floating rate ones. This gives the banks an escape from interest rate surges but is a disadvantage for the borrower who is mostly unaware about such content in their agreement. Typically, the period for such reset clause varies from two to five years depending on the bank or housing finance company you borrow from. So read this clause in your loan agreement carefully.

Force Majeure Clause: There may be certain loopholes in your home loan agreement that allows the bank or home loan company to unfix and raise the fixed interest rate under exceptional circumstances. This will be mentioned under the ‘force majeure’ clause of your agreement. However, the differentiation between ‘exceptional circumstances’ and normal circumstances is always a tough task.

For e.g. A cut in banks’ prime lending rate is not automatically translating into reduction of all PLR-linked loan rates. The reason being cited is that the bank’s margins are under severe stress due to lending rate cuts. They feel interest rates on some existing sub-PLR loans do not even cover their cost of funds and any further fall in those sub-PLR loans will worsen the matter. Therefore, some public sector banks have revised the existing loan contracts in case of select sub-PLR borrowers, by using the ‘force majeure’ clause, meaning a ‘situation beyond control’.

Defining a Fault: A ‘fault’ for a layman often means a non-payment of an EMI during the loan tenure. However, your bank or HFC may have a different meaning for this term. The home loan agreement of few banks defines fault as a case when the borrower expires, the borrower is divorced (in case of more than a single borrower), or the borrower is/are involved in any civil litigation or criminal offence. Therefore, you must be clear what your lender means by the term ‘fault’.

Security cover at times of falling property rates: This clause states that a bank is eligible to demand additional security when property prices fall. Even if you are loyal on your EMI payments, this clause demands a security cover in addition to your loan amount and if a borrower fails to provide such a security then he/ she may be declared a defaulter by the lender.

Floating is Fixed and vice versa: Floating rate as well as fixed rate home loans are linked to the Benchmark Prime Lending Rate of a bank or the HFC from which you take a home loan. Hence, if the BPLR is 13.5 per cent and floating rate home loans are at a discount of 1.5 per cent to the BPLR, then the interest rate on a floating rate home loan is 12 per cent. So whenever the BPLR is raised, then the interest to be paid on the floating rate home loan goes up. The vice versa also holds true.

However, banks and HFCs do not show the same alacrity to reduce the interest rates, which they might have shown when increasing it. When interest rates come down, banks and HFCs offer lower rates to new customers but existing customers continue paying the higher interest rates. Check with the bank or HFC regarding the details about such clauses.

These clauses are overlooked by most home loan borrowers and some of them eventually end up paying interest rates, fees, or hidden charges completely out of the blue. It is imperative that you have a thorough understanding of such clauses with your bank or HFC.

Online Games

Dare Devil

Description:

The objective of the game is to do tricks to earn points. You can spend points to upgrade your bike and make it more agile. Bike stats include weight reduction, acceleration and max speed. Strategy to this game is to do 360 flips for maximum points. Try to spend your points where you need them. Good Luck!

Instructions:

· Movements = Arrow Keys · Bike Rotation = A Key · Bar Rotation = S Key · Superman = D Key

Game Tags:

X Games Stunt Games Sports Games Motorbike Games Dirt Bike Games Bike Games

It's always a good week when a new issue of Mark Waid and Paolo Rivera's Daredevil releases. This month's installment picks up where the recent Spider-Man/Daredevil crossover left off -- the grave of Matt Murdock's father has been robbed, and Matt must follow the trail to find out who's responsible. What's great about this issue is that it plays with the idea of the river Styx quite literally, adding a nice literary context to an otherwise straightforward superhero story. Like he's done with the character of Daredevil in the eight issues previous, Mark Waid has also given a unique and interesting spin on the classic Mole Man character, as well as his little Moloid minions. Waid continues to impress with his fantastic characterization and unique viewpoints on characters that have been around for decades.

It's also lovely to see Paolo Rivera strapping back on his work pants and diving into Daredevil again. As has been the case with his previous work on this series, Daredevil #9 is another artistic showcase for Rivera. Maybe what's most impressive about this issue is the way Rivera plays with shadows to enhance the mood of any particular scene. Up until this point, Daredevil has been a relatively bright and colorful comic from an artistic viewpoint, yet here in issue #9 we see Rivera taking things into the dark, both literally and tonally. But don't worry, Rivera nails it.

As usual, Daredevil #9 is a fantastic superhero comic with surprising layers. As we tell you every month, if you're not picking up Daredevil, you're making a huge mistake. This series continues to be the best thing Marvel is putting out. Make sure this book is on your pull list.

The character Daredevil is defined by tragedy. Add not having his own video game to that list of tragedies. With big budget Hollywood movies and big name actors based on a popular comic book icon you get a video game to play on your choice of gaming console. Except for Daredevil. The Man Without Fear has been left without a video game title of his own. A Game Boy Advance video game released for the movie was as much of an insult as the terrible film. The cameos hornhead gets in Spider-Man or Marvel Ultimate Alliance are no consolation.

The bad news after years of development came from Encore in 2004 - Eric Paulson, Chairman and CEO of the Navarre Corporation, stated “Included in our results is our management decision to shut down the development of Encore’s video game console projects, which primarily consisted of the Daredevil video game project. As a result, the Company wrote off $4.3 million of development costs during the quarter and a total of $5.6 million for the fiscal year. These charges are reflected as a reduction in our gross margin. We have refocu

Hotel Jobs

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In 2011, annual average unemployment rates declined in 48 states and rose in 2 statesand the District of Columbia, the U.S. Bureau of Labor Statistics reported today.Employment-population ratios decreased in 24 states and the District of Columbia,increased in 19 states, and were unchanged in 7 states. The U.S. jobless rate in 2011 was 8.9 percent, down 0.7 percentage point from the prior year. The national employment-population ratio continued to trend down to 58.4 percent in 2011.

Regional Unemployment

All four regions posted statistically significant unemployment rate decreases in 2011. The Midwest experienced the greatest decline (-1.1 percentage points),followed by the West (-0.6 point) and the Northeast and South (-0.5 point each). The West, at 10.4 percent, registered the only jobless rate significantly higher than that of the U.S. in 2011. The Northeast and Midwest, at 8.2 and 8.4 percent,respectively, both had rates significantly below the national figure. (See table 1.) Eight of the 9 geographic divisions reported statistically significant over-the-year unemployment rate changes in 2011, all of which were decreases. The largest of these occurred in the East North Central (-1.3 percentage points) and New England -0.8 point). For the fourth year in a row, the Pacific recorded the highest unemployment rate, 11.0 percent in 2011. The next highest rates were in the East South Central and South Atlantic, 9.4 and 9.3 percent, respectively. The rates of these three divisions were significantly above the U.S. average. The West North Central division again posted the lowest jobless rate, 6.6 percent. Three other divisions--the Middle Atlantic, New England, and West South Central--also had rates significantly below the national figure.

State Unemployment

In 2011, 30 states posted statistically significant unemployment rate decreases, the largest of which was in Michigan (-2.4 percentage points). Four additional states experienced decreases greater than 1.0 percentage point: Ohio (-1.4 points), Utah -1.3 points), Oregon (-1.2 points), and Indiana (-1.1 points). The remaining 20 states and the District of Columbia reported annual average unemployment rates for 2011 that were not appreciably different from those of the previous year, even

though some had changes that were at least as large numerically as the significant

changes. (See table A.)Eight states and the District of Columbia reported unemployment rates of 10.0 percent or more in 2011. Nevada again posted the highest unemployment rate, 13.5 percent, followed by California, 11.7 percent. North Dakota registered the lowest jobless rate among states for the third year in a row, 3.5 percent, followed by Nebraska, 4.4 percent. Overall, 28 states had unemployment rates that were significantly lower than the U.S. rate of 8.9 percent, while 10 states and the District of Columbia recorded rates significantly above it. (See table B.)Regional Employment-Population Ratios In 2011, the West was the only region to register a statistically significant change (-0.4 percentage point) in its employment-population ratio--the proportion of the civilian noninstitutional population 16 years of age and over with a job. The Midwest continued to report the highest ratio, 60.4 percent, while the South, at 57.5 percent, maintained the lowest. The South and West posted employment-population ratios that were significantly lower than the national figure of 58.4 percent, while the Midwest recorded a significantly higher ratio. (See table 2.)

 

The Mountain was the only division to register a statistically significant change in its employment-population ratio in 2011 (-0.7 percentage point). The East South Central again recorded the lowest proportion of employed persons, 55.2 percent. The next lowest ratios were posted in the Pacific, 56.9 percent; South Atlantic, 57.3 percent; and Middle Atlantic, 57.7 percent. Ratios in all four of these divisions were significantly below the national average. The division with the highest employment-population ratio was the West North Central, at 64.7 percent, followed by New England, at 61.6 percent. These two divisions, along with the Mountain and West South Central, at 59.1 percent each, registered employment-population ratios

measurably above that of the U.S. The ratio registered in the Pacific i 2011 was a series low. (All region, division, and state series begin in 1976.)

State Employment-Population Ratios

In 2011, Utah registered the largest employment-population ratio decline among states (-1.0 percentage point). The next largest statistically significant declines occurred in Arizona (-0.9 percentage point), Nevada and New Mexico (-0.8 pointach), and New York (-0.5 point). The District of Columbia also reported a measurable decline (-1.3 percentage points). Virginia posted the only significant ratio ncrease among states (+0.2 percentage point). The remaining 44 states had employment-population ratios that were not significantly different from those of a year earlier.west Virginia again reported the lowest employment-population ratio among the states, 49.5 percent. West Virginia has had the lowest employment-population ratio each year since the series began in 1976. Four states in the West North Central division again posted the highest ratios: North Dakota, 69.3 percent; Nebraska, 68.5 percent; South Dakota, 68.1 percent; and Minnesota, 67.1 percent. Twenty-three states and the District of Columbia recorded employment-population ratios that were significantly above the U.S. ratio of 58.4 percent,and 16 states had ratios that were appreciably below it. The remaining 11 states had ratios that were not measurably different from that of the nation. Five states registered the lowest employment-population ratios in their series in 2011: California, 56.0 percent; Hawaii, 58.6 percent; Nevada, 57.2 percent; New Mexico, 54.3 percent; and North Carolina, 56.2 percent. (See table C.)