Welcome to All Finance,Tips For Finance,Business,Banking,Insurance,Career and Work April 2011 ~ All Finance

Curriculum Vitae (CV) Format

This curriculum vitae example lists the information you will need to include in your CV and provides the appropriate format for a CV. Keep in mind, that if you are writing a CV for an academic position in the United States, you do not need to include the Personal Information and Optional Personal Information that is typically included in an international curriculum vitae. Curriculum Vitae Example CONTACT INFORMATION Name Address Country Telephone Cell Phone Email PERSONAL INFORMATION Date of Birth Place of Birth Citizenship Visa Status Gender Additional Personal Information: Optional Marital Status Spouse's Name Children EMPLOYMENT...

Curriculum Vitae (CV) Tips

CV references are usually straightforward. They're people who can give first hand information relevant to your job applications and testify to your skills, character and experience. Choosing references, however, can be considerably more complex in some cases. Choosing your references You need a good references who can speak on the same professional level as your new employer. In principle, the preferred choices of referees are managers or supervisors who can speak to other managers and supervisors on the same level. This does mean "speaking the same language", in terms of employment prospects, looking at your application from the same perspective. Although...

Tips on writing an Application Letter

Writing a Job Application Your application is the first contact you will have with an employer. The employer will use it to help decide if you are suitable for the job and if they would like to give you an interview. It is most important to take time and care with your application. Make it look good and make sure all the information is clear and easy to read. Make sure you use paper that is size A4. The Application Letter There are many ways you can write a letter for a job. One way is, your address, phone number and the date must be on the letter. Always address the letter to the person named in the add. If there is no name mentioned...

Curriculum Vitae (CV) Example

PROFESSIONAL CAREER: Head of Public and Building Services at The Casa da Música Concert-Hall (Porto) September 2006 - Present Head of Public Services at the Casa da Música, responsible for: Coordination and management of the Front of the House staff team and services Coordination and management of the information desk and call centre team Coordination and management of the guided building tours team Coordination and management of the commercial department, which is responsible for the commercial exploitation of The Casa da Música’s facilities, either for private or corporate functions, shows, etc. Coordination and management of the contracts and activities of the outsourcing companies responsible for the catering and parking...

Curriculum Vitae (CV) Example

FRANCISCO PIRES PERSONAL DETAILS Full name: PIRES, FRANCISCO Manuel Prego de Ochôa e Azevedo Nationality: Portuguese (born in Lourenzo Marques, Mozambique) DOB: 17:12:62 Marital status: Married Address: Rua Augusto Gil, 41 – 4460-211 Senhora da Hora, Porto, Portugal Mob.: (+355) 932 687 548 / (+355) 964 644 718 Fax. : (+355) 220 125 439 E-Mail: abcd@clix.pt PROFILE My career has led me to specialize increasingly in the management of complex multi-cultural projects and their staffs at international levels. I have experience in: strategic forward-planning; operating within the tight financial disciplines imposed by ambitious budgets which I have helped to plan; methodical administration to deadlines (not to speak of crisis management where necessary); and the application of modern...

Car Insurance Tips to Save You Money

Here are some great tips that could save you money on auto insurance. 1. Raise Your Deductible One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident. 2. Take a Driver's Safety Course Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could...

Save Bank for Your Money

With all of the banks going under in these times this is how you can be sure that your money is in the right place so that you will have it once the economic downturn is over. Instructions 1. Do your research on a stock market website. Etrade is one that yiou can use to see how the earnings have been for the company and what the estimated are for the future. Go to the accounts webpage and simply search for a banking company and see what their future is. 2. Go with a bank that is stable and has been for a long time. You never really know which bank will be the next to go under, but chances are that if you pick one that has been around for...

Tips for Business Success

What's important to the success of small-business owners and entrepreneurs? Knowledge, skill and talent. However, many competitors have the same traits you do. The key to beating the competition and achieving success is mental, reflected in one's attitude, totally controlled by the individual and requires no cash. This holds true in most human endeavors besides business — in sports, the arts and politics. How many times have we seen the underdog team or player win over the more talented opponent? The difference is often attitude. These 12 attitude attributes can put you in the right mindset for achieving entrepreneurial success. 1. Have...

Five Ways to Keep Cash Flow Pumping

For start-up business owners, one of the biggest -- and most common -- mistakes you can make is to place other business goals ahead of your company's cash flow. While it's important to spend time on building your brand and generating sales leads, it's downright vital to quickly cultivate a steady stream of what accountants call "free cash flow" -- that is, the amount of cash coming into your company over and above all of your expenses. After all, if you don't have money, you won’t be around long enough to worry about those other things. If possible, keep 10 percent to 20 percent of monthly revenues on hand because at that point, in most...

10 Tips for a Strong Start

As someone who has been called a serial entrepreneur, I've had more than my fair share of experience starting new enterprises, turning around underperforming enterprises or re-vamping operations. During that time, I've learned a thing or two about some critical factors you absolutely need to know before you jump into the proverbial entrepreneurial waters. In the majority of cases, start-up success or failure is all about knowing the both the how and the why of taking action, and always being clear about which steps to take next. To help this process, here are 10 essential things you need to know about running a successful business. Use...

10 Secrets of Successful Entrepreneurs

How do you know whether you can be a successful entrepreneur, or if you are better off as a salaried employee? While there is no surefire formula for success, studies have shown that successful entrepreneurs share these ten characteristics. Check if you possess any one of them. unning a one-person business is a creative, flexible and challenging way to become your own boss and chart your own future. It is about creating a life, as it is about making a living. It takes courage, determination and foresight to decide to become an entrepreneur. From the relatively safe cocoon of the corporate world, where paychecks arrive regularly, you will...

Tips for a Successful Entrepreneur

Stay motivated The best way to get motivated is to read success stories. The more you see people succeeding, the more you feel you have higher chances to succeed. Of course, if you read stories about people failing, that’s not going to motivate you! As an entrepreneur, you’ll pass through really hard times but if you are motivated enough they will not affect you at all. Get inspired but do not copy Don’t be ashamed to get inspired from others’ work, keep doing it every minute but do not copy anything, keep your stuff original. Inspiration is a very good way to make you sense better, learn from others’ experience and you will have a clearer...

7 Rules to Increase Cash Flow

Although your income statement might show a healthy profit, it doesn't amount to a hill of beans if you have no cash flow. One of the biggest mistakes made by new home business owners is allowing clients and customers to buy now and pay later. In other words, extending credit. Credit is for banks and large corporations, not for you as a home-based entrepreneur. Cash flow is the lifeblood of your business. Without it, your business will wither and die regardless of how many sales you've made or how much money is owed to you. Cash flow represents the amount of money coming in to your business through services rendered and products sold,...

Tips for Successful Business Networking

Effective business networking is the linking together of individuals who, through trust and relationship building, become walking, talking advertisements for one another. Keep in mind that networking is about being genuine and authentic, building trust and relationships, and seeing how you can help others. Ask yourself what your goals are in participating in networking meetings so that you will pick groups that will help you get what you are looking for. Some meetings are based more on learning, making contacts, and/or volunteering rather than on strictly making business connections. Visit as many groups as possible that spark your interest....

How to build financial freedom

With the struggling times we are having in the economy there are still ways to have freedom in your finances here are some tips to help you get started. Instructions Make a realistic budget. Start with the things that are necessary. Take a look at things see where you can cut corners.If you have any money left over budget for an occasionally luxury like movies, eating out. Ask for a lower credit card rate. Just take five or ten minutes to call up your credit card company and ask for a lower rate. Create your rainy day fund. Have cash on hand for a flat tire, leaky roof start putting money aside for emergencies. Pay alittle extra. Making minium...

Tips for Financial Freedom

Mortgage payments, student loan debt and multiplying credit card bills may seem like shackles around your legs. However, achieving financial freedom is possible. You do not need a high income, nor does this freedom have to come only after you start making more money or find a better career. The path to financial freedom requires a change in attitude and clear, decisive action. Establish an Emergency Fund Financial freedom will remain out of reach if your current emergency fund is a credit card or borrowing from parents, as neither of these options are secure. Experts disagree on how much money you should allocate to your emergency fund:...

Financial Freedom Tips

Almost everyone dreams of being able to become financially free one day. Being in a good financial position will allow us to experience a greater quality. The better your quality of life is, the more time and freedom you will have. Time, stability and wealth all lead to less stress and more happiness. One of the biggest killers in the US and Canada is heart attacks that are caused by excessive stress. One of the biggest causes of stress is financial strain. So how do we get there from here? Here are 5 tips to get you there: 1- Conserve: No matter how big or small your income is you must learn how to conserve your income by budgeting. If...

Additional Income

Why do you need additional income? As I have said before (and I often re-examine), that one of the key financial welfare in the family actually is not in how much you earn, but how you manage your income is. Whatever the size of the earnings in your family, if you can not manage it well, then welfare will not be able to achieve. However, if you should not need to add income in your family? Not as well. Earnings are a large family does not guarantee that you can achieve financial prosperity, but of a large family can help you reach your welfare. So once again, earning the big does not guarantee, but only help. Therefore, it would be better...

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