Qiqqa Entrepreneur Wins 5k

James Jardine from the University of Cambridge in the UK won third prize in the post-graduate category of the Santander University Entrepreneurship Awards.

He scooped 5,000 for his company Qiqqa.com a company that provides free software which helps students and researchers manage information.

The awards aim to support and encourage university students to pursue their business ideas and are open to students from all 58 universities within the Santander programme.

To mark the fifth anniversary of Santander Universities in the UK, Santander chief executive, Ana Botn, announced an additional 1.5m of funding to UK universities, taking its total investment to 7 million during 2012, as well as 100 new mobility grants of 2,500 available to UK students to study abroad.

She also extended the banks support for small businesses with the launch of a new programme to place graduates from the countrys top universities on internships with SMEs across the UK.

The programme to encourage entrepreneurialism amongst graduates is a collaboration between Santander and its university partners and aims to promote the benefits of working for a SME to third-year or recently graduated students, while providing smaller businesses with an injection of talent not always easy to obtain by companies with limited administration resources.

Santander will work with its partner universities to find students and companies who will benefit most from the scheme and will help with placement and administration, including project management, as well as part-funding a basic salary for the students.

Ana Botn said: Youth unemployment and particularly graduate unemployment is one of the most pressing issues for the UK economy. We hope our new programme offering 500 student internships to SMEs can help provide our talented graduate community with the opportunity to gain vital experience in the work place, whilst opening their eyes to the benefits of working for smaller companies.

SMEs have not typically attempted to compete with the graduate recruitment schemes of the big FTSE players and we hope that this initiative will give a wider range of companies the benefit of fresh, young talent.

As the engines of progress and invention, universities have an important role to play in incubating the enterprises of tomorrow. Santander is proud to be supporting and recognising the entrepreneurial skills demonstrated by students through our Entrepreneurship Awards, as well as announcing an additional 1.5 million of funding to support British universities, taking our total investment to 7 million in the UK and 120 million globally, this year.
Photograph:James Jardine receiving his prize from Santander chief executive, Ana Botn

The Most Popular Job Roles In Finance

There is a plethora of jobs in the finance industry. Many finance jobs are centered around several primary professions such as commercial banking and investment banking. Naturally the most common jobs fall within those two categories. Currently, the more popular of the two is investment banking. Consequently, the most popular job roles in finance are positions in the investment banking arena.

Industry coverage is a large area covered by investment bankers who specialize in product groups such as utilities, aerospace, real estate, etc. This group has a group of senior bankers called Managing Directors which are backed by Directors, Vice Presidents and Associates. The managing director will help strategize the next move for the group as it grows and the team usually recruits new graduates into this group quite aggressively.

Corporate finance is an area with the primary function of raising money for corporate ventures. As an analyst in this group, you would be responsible for preparing registrations and attend road shows where investors are sold securities. Debt Capital Markets or Equity Capital Markets originate new issues of bonds or securities. They advise about the best time to issue these new debts or equities. Mergers and Acquisitions is yet another department which is under investment banking. Mergers and acquisitions generate fee income for investment banks. The bank sets up the acquisition even under market conditions that would make the acquisition unfavorable through creative methods that benefit all parties and the bank gets paid handsomely for their effort.

Project Finance help fund the infrastructure of a government or oil capital project, generally funneling funds from one foreign country to another when other options for borrowing have dried up. Trading is a job with which most of us are familiar. It is sales of securities on the stock market floor or from an office. Structured finance, derivatives, advisory, equity and fixed income research and international sales and emerging markets are other jobs that can be performed in investment banking.

Public finance, retail brokerage or stockbroker, institutional sales and ratings analyst are the remaining positions in investment banking. Many of these jobs are more glamorous than the others, but they all pay well. The most popular job roles in finance include any position in investment banking which comes with a hefty salary and many also pay bonuses. Commission often accompanies any position that generates sales to compensate for performance. Ratings analysts command an average annual salary of 68,000 with an average of 5,000 in bonuses. An exceptional employee should expect a higher salary. A managing director in Industry Coverage can command a salary of 130,000 to 220,000 annually. The job you pursue in Investment Banking will be your personal choice. Your compensation will be excellent and hopefully, you will find a home based on your talent and interests.

Tips To Start A Loan Modification Business – Start Within Days

Get ready to be a part of the most booming industry in today’s economy. As a loan modification consultant you can start making thousands of dollar while helping home owners lower their mortgage payment and save their homes. You can start from home or from your office with little or no investment. Here are some tips and steps you can take to start a loan modification business within few days.

First decide a name of your loan mod company. If you already have a business then you can use the same name. Go to your city county office for occupational licenses and permit. Fill out necessary forms. Pay registration fee.

Get a new phone line under your loan modification company name or use home phone number. Get a fax or sign up with a online fax service which will only cost you around ten dollar per month.

Open a business bank account with your local bank.

Next Step is to get all the knowledge you can about home loan modification.

Next step is to spread the word about your new service. Tell all your friends, family members and neighbors of your new mortgage modification service.

Beside these steps there are few other things you will have to learn. For example how to know if the client will qualify for mortgage modification? What are the lenders loan modification guidelines? How much fee should I charge my client? How can I accept upfront fee? What types of forms are required to submit to the lender?

After learning most of the above information you should be able to start up your own loan modification business without have any obstacle come on your way. Before you get started in the mortgage restructure business, you need to research all of the different aspects of the industry, just to be sure you understand what you’re getting into.

If You Think You Get Options, Then This Might Change Your Mind

HR Consulting: A Way To Get To Know Your Workforce Since today’s human resource consulting proves to have a lot of differences from the ways of ones that are in the past generations, trying to get a human resource consulting for an hr assessment will generate a couple of problems that needs to be tackled. The important factors that needs to be put into consideration when looking for human resource consulting could be a lot to enumerate, however, there are two major points that you need to remember when it comes to doing this right and these are knowing the generational group’s strength and weaknesses including a clear understanding on their perspective. Enduring a lot of economical struggles and challenges during the singular economical stay that we have in the workforce is what we must face as workers. Most of the old aged workers nowadays just chooses to stay at work and continue working since the retirement option is not always available to everyone. On the other hand while this is happening to the old aged workers, a lot of potentially new workers that just graduated from college are starting to enter the workforce. Due to the differences in the trends between these older and younger generations, conflict and problems in the workforce are occurring. This particular problem resulting from having multi generational workforce in the business are the major problems of a business owner which is sometimes not realized until it begins, therefore hr assessment is needed here. A lot of business owner gives it everything they have just to keep the company going even after any recession takes place. In this scenario, we can see that a lot of different generations have all become a part of a single workforce at the same time, some of these generations are Generation Xers, others are boomers, and a lot of other generations are present. Turning this conflicting scene around can be done by any business through the means of an outstanding human resource consulting that will do an hr assessment to turn the tide around. Whichever way you look at it, either in the business owner’s perspective or just a simple customer’s perspective,prospering in any kind of business will prove to be difficult nowadays due to the economic difficulties of the world.
Learning The Secrets About Consultants
A lot of companies tends to focus on solving the conflict of the generational groups that they have in their workforce before focusing on other economic necessities that the company have. Creating an environment where the company will thrive can be done by seeing the advantages that each generational group offers in the workforce and using it towards the betterment of the company. One of the examples that exhibits this potential is the ability of traditionalists that gives a lot of knowledge and determination to their employers. On the other hand, differences between the generational group in the workforce should not be compared to avoid internal competition, one example is a knowledgeable generational group is not always the best choice especially in team oriented progress.Finding Similarities Between Consultants and Life

If You Think You Get Options, Then This Might Change Your Mind

HR Consulting: A Way To Get To Know Your Workforce Since today’s human resource consulting proves to have a lot of differences from the ways of ones that are in the past generations, trying to get a human resource consulting for an hr assessment will generate a couple of problems that needs to be tackled. The important factors that needs to be put into consideration when looking for human resource consulting could be a lot to enumerate, however, there are two major points that you need to remember when it comes to doing this right and these are knowing the generational group’s strength and weaknesses including a clear understanding on their perspective. Enduring a lot of economical struggles and challenges during the singular economical stay that we have in the workforce is what we must face as workers. Most of the old aged workers nowadays just chooses to stay at work and continue working since the retirement option is not always available to everyone. On the other hand while this is happening to the old aged workers, a lot of potentially new workers that just graduated from college are starting to enter the workforce. Due to the differences in the trends between these older and younger generations, conflict and problems in the workforce are occurring. This particular problem resulting from having multi generational workforce in the business are the major problems of a business owner which is sometimes not realized until it begins, therefore hr assessment is needed here. A lot of business owner gives it everything they have just to keep the company going even after any recession takes place. In this scenario, we can see that a lot of different generations have all become a part of a single workforce at the same time, some of these generations are Generation Xers, others are boomers, and a lot of other generations are present. Turning this conflicting scene around can be done by any business through the means of an outstanding human resource consulting that will do an hr assessment to turn the tide around. Whichever way you look at it, either in the business owner’s perspective or just a simple customer’s perspective,prospering in any kind of business will prove to be difficult nowadays due to the economic difficulties of the world.
Learning The Secrets About Consultants
A lot of companies tends to focus on solving the conflict of the generational groups that they have in their workforce before focusing on other economic necessities that the company have. Creating an environment where the company will thrive can be done by seeing the advantages that each generational group offers in the workforce and using it towards the betterment of the company. One of the examples that exhibits this potential is the ability of traditionalists that gives a lot of knowledge and determination to their employers. On the other hand, differences between the generational group in the workforce should not be compared to avoid internal competition, one example is a knowledgeable generational group is not always the best choice especially in team oriented progress.Finding Similarities Between Consultants and Life

If You Think You Get Options, Then This Might Change Your Mind

HR Consulting: A Way To Get To Know Your Workforce Since today’s human resource consulting proves to have a lot of differences from the ways of ones that are in the past generations, trying to get a human resource consulting for an hr assessment will generate a couple of problems that needs to be tackled. The important factors that needs to be put into consideration when looking for human resource consulting could be a lot to enumerate, however, there are two major points that you need to remember when it comes to doing this right and these are knowing the generational group’s strength and weaknesses including a clear understanding on their perspective. Enduring a lot of economical struggles and challenges during the singular economical stay that we have in the workforce is what we must face as workers. Most of the old aged workers nowadays just chooses to stay at work and continue working since the retirement option is not always available to everyone. On the other hand while this is happening to the old aged workers, a lot of potentially new workers that just graduated from college are starting to enter the workforce. Due to the differences in the trends between these older and younger generations, conflict and problems in the workforce are occurring. This particular problem resulting from having multi generational workforce in the business are the major problems of a business owner which is sometimes not realized until it begins, therefore hr assessment is needed here. A lot of business owner gives it everything they have just to keep the company going even after any recession takes place. In this scenario, we can see that a lot of different generations have all become a part of a single workforce at the same time, some of these generations are Generation Xers, others are boomers, and a lot of other generations are present. Turning this conflicting scene around can be done by any business through the means of an outstanding human resource consulting that will do an hr assessment to turn the tide around. Whichever way you look at it, either in the business owner’s perspective or just a simple customer’s perspective,prospering in any kind of business will prove to be difficult nowadays due to the economic difficulties of the world.
Learning The Secrets About Consultants
A lot of companies tends to focus on solving the conflict of the generational groups that they have in their workforce before focusing on other economic necessities that the company have. Creating an environment where the company will thrive can be done by seeing the advantages that each generational group offers in the workforce and using it towards the betterment of the company. One of the examples that exhibits this potential is the ability of traditionalists that gives a lot of knowledge and determination to their employers. On the other hand, differences between the generational group in the workforce should not be compared to avoid internal competition, one example is a knowledgeable generational group is not always the best choice especially in team oriented progress.Finding Similarities Between Consultants and Life

If You Think You Get Options, Then This Might Change Your Mind

HR Consulting: A Way To Get To Know Your Workforce Since today’s human resource consulting proves to have a lot of differences from the ways of ones that are in the past generations, trying to get a human resource consulting for an hr assessment will generate a couple of problems that needs to be tackled. The important factors that needs to be put into consideration when looking for human resource consulting could be a lot to enumerate, however, there are two major points that you need to remember when it comes to doing this right and these are knowing the generational group’s strength and weaknesses including a clear understanding on their perspective. Enduring a lot of economical struggles and challenges during the singular economical stay that we have in the workforce is what we must face as workers. Most of the old aged workers nowadays just chooses to stay at work and continue working since the retirement option is not always available to everyone. On the other hand while this is happening to the old aged workers, a lot of potentially new workers that just graduated from college are starting to enter the workforce. Due to the differences in the trends between these older and younger generations, conflict and problems in the workforce are occurring. This particular problem resulting from having multi generational workforce in the business are the major problems of a business owner which is sometimes not realized until it begins, therefore hr assessment is needed here. A lot of business owner gives it everything they have just to keep the company going even after any recession takes place. In this scenario, we can see that a lot of different generations have all become a part of a single workforce at the same time, some of these generations are Generation Xers, others are boomers, and a lot of other generations are present. Turning this conflicting scene around can be done by any business through the means of an outstanding human resource consulting that will do an hr assessment to turn the tide around. Whichever way you look at it, either in the business owner’s perspective or just a simple customer’s perspective,prospering in any kind of business will prove to be difficult nowadays due to the economic difficulties of the world.
Learning The Secrets About Consultants
A lot of companies tends to focus on solving the conflict of the generational groups that they have in their workforce before focusing on other economic necessities that the company have. Creating an environment where the company will thrive can be done by seeing the advantages that each generational group offers in the workforce and using it towards the betterment of the company. One of the examples that exhibits this potential is the ability of traditionalists that gives a lot of knowledge and determination to their employers. On the other hand, differences between the generational group in the workforce should not be compared to avoid internal competition, one example is a knowledgeable generational group is not always the best choice especially in team oriented progress.Finding Similarities Between Consultants and Life

Tips Choosing Your First Business as an Entrepreneur

There is a big misconception regarding first time entrepreneurship and that is the justification that it is okay to fail your first time simply because some well-known entrepreneurs failed and then hit it big.

What is not mentioned is the number of individuals who failed their first time as an entrepreneur and never got a second shot. Therefore, you might as well make it profitable the first time around.

Thus, to ensure higher odds of entrepreneurial success, you must choose the right business.

Here are 4 tips how:

1. Don’t Let the Economy Determine What Business You Should Start

The first thing that entrepreneurs think of when starting a business is our current economic condition. Although it is hard to bypass the thought of a horrid economy and the subsequent effect on your new entrepreneurial venture, it is imperative that you not let the economy sway your decision.

This will especially prove true when the economy turns in the next few years and you are left with an average business that was overly defensive and a lot of regret.

2. Let Google Assist You In Your Choice of Business How do you truly determine market demand for the product and / or services you plan to offer?

One way to do it is to use the Google Keyword Checker. This basic site will tell you how many people are searching monthly for your product or service.

Another key element that the Keyword Checker brings to the table is the use of adjectives.

For instance, you may want to open a business selling blue widgets, but upon looking up how sought after the product is on the web, you find out that green widgets are searched for times as often as blue.

3. You Cannot Avoid Sales, Instead You Must Embrace It and Not Let It Determine Your Business Choice

A willingness to engage in sales separates the men and women from what will be future job seekers.

Entrepreneurs hate sales because for some reason they tend to be more afraid of rejection than your average Corporate Joe or Jane. Why this reason is, I cannot tell you, but to avoid human interaction, entrepreneurs will completely alter the business that they are going into.

What they don’t realize is that regardless of industry, sales is part of business and, thus part of entrepreneurship.

4. K.I.S.S. Keep the concept simple (or, to use the real phrase, Keep It Simple, Stupid). A rule of thumb for first time (and any entrepreneurs) is that if you cannot explain your business in two sentences or less, it’s most likely not going to sell.

It is very rare that people reinvent the wheel with entrepreneurship. As a matter of fact, you can count them on your fingers: Bill Gates, Steve Jobs, Sir Richard Branson and ?

The odds of hitting Pick 6 are better. In entrepreneurship, especially when choosing your first business, go for a base hit, not a home run your first time at bat.

The Importance Of Role Models For Entrepreneurs

Do you think you have the capability to become an entrepreneur? There are lots of successful entrepreneurs present in this world today. It is very important to find the right kind of qualities that are required to become successful in this field.

Some people try to begin from the scratch but it is quite difficult to reach the top fast in this way. This is the reason why the young generations of entrepreneurs try to model their behavior on people who have already achieved success in this field.

There are various role models for entrepreneurs. It is very important to choose the right kind of model. When you hear of a role model the first thought that comes to your mind is of people who have reached heights are very popular all over the world.

These people too surely had their own role model who they used to follow. A role model is actually meant for following. Your model can also be a person who belongs to your family or even or your friend circle.

The person might not be well known and popular all over the world but he has made something for himself. You can look for such people in your family. If you have someone very close to you who has already made it to the top then you can even get good suggestion as well as tips from the person.

You must understand the importance of the role models. They will help you learn how to become a successful entrepreneur. The most important thing that entrepreneurs must have is the will to win.

The entrepreneur role models usually help the budding entrepreneur to learn about the various qualities that are necessary to become successful and reach the top. One of the things that you need to find out is the common trait between all the successful owners.

You must always remember that owning and managing a company is not too easy. You need to have enough guts to take proper decisions and also be ready to tae risks. Role models for entrepreneurs might differ from one person to the other but the characteristic traits of these successful people usually remain the same.

You need to follow these traits. People who are successful as entrepreneur are always good leaders. So you must also make sure that you become a good leader and mange your team in the best possible way.

Team work is very important because you alone cannot take your company to the top, you will need help from the employees. This is the reason why you also need to learn how successful entrepreneurs deal with their employees. This is why role models are so much essential.

The Path To Finding Better Services

Factors In Installing A Flag Pole For an in-ground flag pole installation, one must know how to properly follow on how to install it. For this type of apparatus, it is directly laid on the ground. If this type of flagpole is adequately installed, it can resist wind speed of up to a maximum of 130 mph. In-ground ones such as those used with feather flags are assumed to increase the aesthetic value of your home property for home improvement projects. When installing your in-ground type, wind speed is a crucial factor. For you to recognize the significance of this important element, simply hold a fairly sized flag during a windy day and you will immediately discover how important it is for you to consider the size of the flag and wind blow in the installation of the flagpole. Verifications of the diameter size of the flagpole can be done by verifying the sizing charts with your dealer or manufacturer. Footing for an in-ground type of flagpole is constructed by digging a hole in a pre-selected spot and wetting it before the concrete is poured onto it. A circular flag pole is inserted before the concrete settles. The ground sleeve used in the footing of the flag pole is a thick cylinder composed of steel with a wide base design and an open tip portion. The ground sleeve is used for protecting the flag pole from any possible decomposition when the flag pole contacts with the concrete. The outer part of the ground sleeve has steel plates to keep it steady once concrete is poured into the base. On the contrary, at the center of the base, wedges can be existent in the internal portion of the ground sleeve which settles the flag pole firmly. The ground sleeve additionally has a ground spike for channeling off the lightning.
Interesting Research on Poles – What You Didn’t Know
The foundation of the design will also have a flash collar in addition to the ground sleeve. It is shaped just on top of the ground sleeve and at the lowest part serving as a defensive cover from destructive factors and give the footing a clean cut finish . The space between the flag pole and flash collar is filled with concrete to attain a reasonable seal impeding water to infiltrate into the flag pole and the foundation.
How I Became An Expert on Services
To assure that it will not easily tumble down, it is important to install your in-ground one far below ground. A person should consider ten percent of the total height as the minimum depth of the substructure of your in-ground flag pole. Installing bigger flag poles is not simple, so it is best to seek help from a professional. You must learn all about flag pole and flag pole installation before you start installing your flag pole.