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atg dynamo resume Bridgend. Essays Love? CF31 5DY. T +44 7739 180 892. F +44 870 138 6993. I am an experienced technical analyst, architect, team leader and developer of web-based enterprise applications, e-commerce, and applications driving digital media and community web sites. Digital Media and Content Management. Community Sites, Portals, Blogs and Podcasts. Online Commerce, Marketing and research paper 2009, Advertising.
Defining processes for media production and distribution. Developing technical strategy for barriers to critical hum 111 further growth. Using iMovie and peace love, GarageBand for content creation, Using J2EE (Apache Tomcat, The Spring Framework, Hibernate and Castor) and MySQL as the database. Senior Developer and Architect, MTV Networks Europe (London, UK) - 2005. Part of to critical thinking hum 111 team involved in the full life cycle of developing and maintaining core business frameworks for peace content management, user profiling, authentication and authorisation, community tools. Migrated to Service Oriented Architecture using ReST based services. Used J2EE (ATG Dynamo 5.6.1 and 6.3, Apache Tomcat, The Spring Framework, Hibernate), Sybase, MySQL, Developer and Consultant, BBC Worldwide (London, UK) - 2004-2005. Helped migrate The Motion Gallery - an online media commerce application - from J2EE to .NET for BBC Technology and BBC Worldwide. Used J2EE (ATG Dynamo 6.0) with Autonomy, Oracle and delft thesis, SQL Server.
Senior Developer, BQ (Southampton, UK) and Javelin Group (London, UK) - 2004-2005. Essays Love? Part of team bringing BQ#x2019;s consumer commerce platform in-house. Methodology? Integrated front-end web-based application with order processing functionality using ERP, enterprise messaging and web services. Used J2EE (ATG Dynamo, IBM Websphere, Apache Tomcat, The Spring Framework), Messaging (IBM Websphere MQ), XML-RPC (Apache Axis), and Oracle 9i as the database. Senior Developer, Hewlett Packard (Reading, UK) and Conexus (Windsor, UK) - 2003. Designed and developed an e-commerce solution for HP training courses. Used J2EE (ATG Dynamo), Microsoft SQL Server, and essays, ATG Publishing, with IBM Websphere Application Developer as the macaulay's edition pilgrim's progress, development platform. Senior Development Consultant, Philips Consumer Electronics (Eindhoven, Netherlands) - 2003. Essays Peace Love? Re-designed and re-factored existing platform to improve reliability and to move towards a Service Oriented Architecture.
Designed and college essay be too long, developed online dealer locator functionality integrating with mapping and geographic service providers. Used J2EE (ATG Dynamo), integrated with Trigo (Content Management), Fredhopper (Product Search and essays peace love, Merchandising) and parenting effects on children, proprietary and in-house back end systems. Architect, Consultant and Lead Developer, Friends Provident (Salisbury, UK) and Practiv Applied Software (Guildford, UK and Auckland, New Zealand) - 2001-2003. Participated in full life cycle development of corporate web sites, consumer focused web sites applications, and business-to-business commerce solutions for this Life Assurance and essays, Pensions provider. Built infrastructure for psychological science collaborative working, helped specify software hardware requirements. Helped build initial project team, participated in resource profiling and recruitment efforts. Gathered requirements and formulated technical strategy with various business units around the essays peace love, company. Designed and led development of applications integrating extensively with legacy financial systems. Liaised with testing team and provided support managing bug fixing and maintenance.
Used J2EE (ATG Dynamo and barriers to critical hum 111, HP Bluestone), Messaging (RMI, IBM MQ Series), Content Managament (Interwoven TeamSite, NetObjects Fusion), Security (Wipro WebSecure) and various proprietary or in-house legacy applications. Senior Applications Developer, Epylon Corporation - 2000-2001. Worked with product managers to essays love design and develop new functionality and to critically science study guide enhance existing components of Epylon#x2019;s Business-to-Government and essays peace, Business-to-Education marketplace site. Methodology? Led initiative for internationalisation and localisation with resource-based UI development. Essays? Used J2EE (ATG Dynamo) and Oracle (version 8). Senior Consultant, Media3k / eScene Networks (San Francisco, USA) - 2000. Designed and can a college long, developed core pieces of an essays love, online media commerce application - including media catalogues, user account management and profiling, and integration with payment services.
B.Sc. (Mathematics, Physics, Electronics), Nagpur University, India - 1994. Certification in C, C++, and Java. Member of professional developer's programs from parenting effects on children, leading technology vendors such as IBM, Sun Microsystems, Oracle, Netscape, ATG, BEA, Apple, Palm, Ericsson, Nokia and Microsoft. Travelled extensively and lived for varying periods around Europe, Asia, North America and Africa. Lived and worked in the UK, Netherlands, USA and India.
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Bank Internal Auditor Resume Sample. This resume is a sample for the post of Bank Internal Auditor. Essays Peace Love? In many countries female auditors have less practical experience than male due to some domestic or locality reasons nonetheless they possess strong command on the main concept. A Bank Internal Auditor is mostly required in parenting effects on children essay, those organizations that are female oriented e.g. female colleges, universities, banks and any other industry. This culture prevails primarily in Asia. How you can build a resume for female? we give you below a resume sample to help you create an impressive and convincing resume. Essays Love? Show all your practical experiences, and if it is a big organization that you are applying for mention it clearly with either underline or in bold letters.
Always try to be honest and clear while writing education and skills as mostly interviews are taken within the information provided in your resume data. A good resume pays a vital role for a good job win. Bank Internal Auditor Resume Sample. Date of Birth : Day Month Year. Marital Status : Married. Visa Status : Husband Visa.
Applied For: Bank Internal Auditor/Hotel Internal Auditor/Mall Internal Auditor/Professional Auditor. To pursue a challenging career in a progressive environment where learning, innovation and creativity are encouraged, where my skills knowledge can be enhanced to their maximum potential to macaulay's essay edition, contribute to the overall success and growth of the organization. More than 2 Year Experience as Accountant and Audit Assistant in peace, India. Proficient in Computer Applications [MS OFFICE, TALLY ERP 9]. Ability and skill to motivate co-employees resulted in the attainment of goals and objectives of the team. as Bank Internal Auditor. Coordinate activities between the organization and the chief auditor for a successful audit Check revenue and expenses accounts to barriers to critical thinking hum 111, judge the amount of total debts and credibility of the organization Make certain the balance sheets, assets liabilities, and profit and loss accounts display the true financial position of the organization Compute the tax liability of the essays organization and support the barriers to critical hum 111 organization in making tax payments on time. Verify the supporting documents of bills, receipts and reconciliation statements Find out any discrepancies within the documents and statements and post relevant entries to make corrections. Reconciliation of Bank/Inter Company / Principal/Supplier Accounts Coordinate with auditors both internal external during audits. Inventory management include verification of New/Used/Work in love, Progress.
Co-ordination with Auditors for thinking psychological science guide, the Finalisation and essays peace, preparation of the necessary schedules other documents for the Audit Periodical in house Statements from Trail Balance to Final Accounts consolidation of divisional/associated company accounts. Maintenance of accurate records in the proper manner and tracking the to critical thinking hum 111 same and capacity to draft the letters correspondence. Verification of Sales Bill and Supervising recording of sales entry Credit control and love, collection of macaulay's essay edition progress accounts payables and receivables. Prepare profit and loss statements and monthly closing and cost accounting reports. Essays Love? Compile and analyze financial information to prepare entries to accounts, such as general ledger accounts, and document business transactions Establish, maintain, and coordinate the implementation of accounting and accounting control procedures. Monitor and review accounting and related system reports for accuracy and completeness Handling Cash collection and book keeping Provide accounting policy orientation for new staff. Resolve accounting discrepancies Preparing day book, cash book and ledger. Responsible for essay, all the Local Purchase Order, Quotations, Enquiries, and other related correspondence. Peace Love? Prepare and review budget, revenue, expense, payroll entries, invoices, and other accounting documents Preparing Journal Entries Preparing Bank reconciliation statement.
Preparing monthly report for delft thesis, Manager Representing the organization before various statutory authorities Helping smooth internal audit Conducting stock audits. Expert in Computer Languages such as C++, Tally ERP Internet and Ms Office, Outlook, Excel, Word, PowerPoint) A Anantha Shankaran (Chartered Accountant) I am keen to continue my career and essays, prepared to work hard in order to achieve my organization objectives and I hereby declare that the information furnished above is true to essay edition of the progress, the best of my knowledge. The resume sample is for the post of Senior Auditor. A Senior Auditor distinguishes himself due to his prevailing knowledge and tackling multiple assignment expertise. When an audit officer performs his duties in manufacturing units, processing units, banks and service units, he gathers plenty of valuable knowledge and skills. So for love, the post of senior audit officer employer’s main thinking is to hire a person with experience that he has earned during his big and multiple-type industrial encounters.
Mostly Senior Auditors are required in those charted accountant professional firms or group of companies where they already have audit officers hence adding further challenges to your post as controlling, managing and essay, maintaining your employees. Your application for this job must be perfect e.g. your Senior Auditor Resume Sample, presentation, current world knowledge, related accounting standard, and up-to-date international market condition. So how you build a good resume for essays love, this challenging job? A sample is methods with psychological provided below to help you well-construct your resume. It is started with an introduction followed by your objectives. (Career objective is very important for essays peace, this post so write it very carefully mentioning all your areas of expertise.) At the end of resume provide some references. Seeking a long-term opportunity within the business community, where my professional experience, education, and research paper 2009, abilities would be advantageous to the growth of essays my employer and myself. Around 6 years of essay on southey's progress practical experience in the field of financial accounting, financial statements and reporting, bank reconciliations, project accounting, cost and management accounting, budgeting and planning, financial forecasting, accounts receivables/payable, and peace love, internal/external auditing. Methods Thinking Psychological Study? Worked in essays peace love, leading multicultural organizations with expertise in: Accounts Receivable, Accounts Payable and Fixed assets management.
Finalization of quarterly, half yearly and full yearly financial statements in compliance with IFRS and GAAP. Reviewing of General Ledger (GL), Accounts payables (AP), Fixed Assets (FA) and Inventory at different clients. Expertise in delft thesis, following accounting tools and MS Office applications: Peachtree (Sage 50 Accounting) QuickBooks Tally ERP MS Excel, MS Word MS Power Point Article ship completed from Institute of Chartered Accountants of essays peace Pakistan. Demonstrated history of can a long establishing accounts department, implementation of financial policies and development of SOPs for peace love, different organizations. Parenting Essay? Reviewed and essays peace love, implemented following systems at different levels, Sales system Purchase system Inventory system. January 2014 to November 2014 Senior Accountant. Dynamic Builders (Pvt) Limited. September 2011 to January 2014 Assistant Manager – Accounts Audit.
Supervisor – Audit Assurance. HLB International Chartered Accountants, Kabul, Afghanistan. June 2009 to September 2011 Senior Auditor. NEXIA International, Riaz Ahmad and Company. Chartered Accountants, Islamabad, Pakistan.
Dynamic Builders (Pvt) Limited, Islamabad, Pakistan. Senior Accountant January 2014 to November 2014. Dynamic Builders (Pvt) Limited stretches back its origin to 1990, is a combination of different task oriented entities engaged in the business of construction and research methods thinking science study, erection. Essays Peace Love? The company through its advanced approach and techniques become one of the most developed construction companies of the country. Delft Thesis? The company has substantially increased its scope of work. Key Responsibilities and Duties. Established and monitored the implementation and essays, maintenance of accounting control procedure, Maintained general ledger, trial balance, profit and delft thesis, loss account, balance sheet and other financials Closing with full responsibility of the account receivable, account payable and fixed assets function, Ensured accurate and appropriate recording and analysis of revenues and expenses, Analysed and advised on business operations including revenue and expenditure trends, financial commitments and future revenues, Made regular reports to the management on income, expenditure and any variations from essays love budgets. HLB International , Ijaz Tabussum Co. Chartered Accountants, Kabul. Assistant Manager – Accounts Audit April 2013 to January 2014.
Supervisor – Audit Assurance (Article Ship) September 2011 to April 2013. A member firm of HLB International stretches its origin back as far as 1970. The firm today, through successful growth, is a strong and independent practice with four offices in Pakistan. The company widened its scope to be a part of technology revolution resulting into the formation of Business Process Outsourcing arm. Key Responsibilities and Duties. During the essay period of essays 2.3 years with the firm, I was involved in various assignments in Assurance and on children, Advisory Services.
The various sectors I worked in ranged from manufacturing industry to service industry. The assignments include full scope audits, internal controls, agreed upon procedure, bookkeeping, forensic auditing and special assignments. My services as “Assistant Manager Accounts Audit and Supervisor Audit Assurance” also include: Maintenance of accounting controls by establishing a chart of accounts; defining accounting policies and procedures, Preparation and peace, supervision of monthly and quarterly Management Accounts i.e. Balance Sheet, Profit Loss and Cash Flow statement disclosures and other customized reports. Management of all income, expense, accounts receivable and fixed assets resources. Planning, execution and supervision of can a college be too long assignments of External Audits on peace love, various private, Public and Government Clients. Allocation of audit team to different areas under audit. Review of audit work at initial stage.
Riaz Ahmad Company , NEXIA International, Chartered Accountants, Islamabad. Senior Auditor (Article Ship) June 2009 to September 2011. A member firm of NEXIA International stretches its origin back as far as 1956. The firm today, through successful growth, is essay long a strong and peace love, independent practice with four offices in Pakistan. Previously it was a member firm of KPMG, Ernst Young International, KMG and Shaffer Champness International. Key Responsibilities and Duties. During the period of 2.3 years with the firm, I: Conducted assignments to review of accounting and internal control system. Supervised and administered maintenance of books of accounts and preparation of research methodology paper 2009 different level financial statements. Performed external audit services in accordance with the essays approved International Financial Reporting Standards (IFRSs), International Standards on Auditing (ISAs) and local laws. MAJOR ASSIGNMENTS PPERFORMED.
Following is the list of major clients handled during my stay at HLB and Nexia International Chartered Accountants: Date of Birth: 29.01.1979. Marital status: Married. Will be furnished upon request. Audit Assistant Manager Resume Sample. This resume sample is for barriers to critical thinking, the post of Executive Audit Manager. Peace Love? An Auditor’s post is considered to be very significant in the entire world. For this post you must have proper knowledge of this field. Essay Progress? An A.C.C.A. degree with article is essential. Mostly an peace love A.C.C.A. qualified person during his study audits different companies and organizations.
So while constructing your resume do discuss all your past experiences and credits, especially of those organization that are recognized worldwide. The employer is mostly interested in your past profile. Essay Edition Progress? Below we give you an effective sample that will help you how you can well construct a resume. Down you will see guidance in explaining all key skills and areas where he have had great experience. Peace Love? And finally confidence is always famous for turning things into macaulay's on southey's progress, your favor. Planning audits and developing audit strategies along with identification of essays peace love potential risk areas. Identifying critical risks, systems’ evaluation and recommending improvements therein. Delegation and essay on southey's edition of the progress, review of work and resolving issues in liaison with the love management. Research Methods Thinking Critically Science Study Guide? Preparing tax computations and reviewing their compliance with local laws and regulations. Peace? Checking that financial reports and records are accurate and reliable.
Ensuring procedures, policies, legislation and regulations are correctly followed and complied with. Research Methods With Psychological Science Study Guide? Co-ordination with professionals of various fields including legal, actuarial and IT. Peace Love? Perform audit tasks monitoring team. Audit Assistant Manager Resume Sample. Experience: 3 Years in Accounts, Finance and Audit. Address Burjuman Dubai UAE. Visa Status: Visit Visa. To be a part of a dynamic reputed team of professionals striving for excellence in delivering quality services and products; inspiring mutual growth and research 2009, contributing creative solutions towards the essays peace love achievement of organizational targets. CA Finalist (1 paper Left to qualify) from Institute of Chartered Accountants of England and.
Wales (ICAEW) – In progress. ACCA from Association of Chartered Certified Accountants UK – February 2012. B.COM from University of Sindh Jamshoro – July 2011. Higher Secondary Certificate – Intermediate Board Karachi – 2008. Secondary School Certificate – Matriculation Board Karachi – 2006. 3+ Years of experience in Accounts, Audit, Internal Audits and Business Analysis From Deloitte . Professionally qualified with ACCA (Association of Certified Chartered Accountants) and ICAEW(Institute of Chartered Accountancy of England and Wales (1 paper left) Have excellent skills in accounting can handle up to finalization Skilled in financial management, auditing, internal auditing costing and financial accounting, and intercompany reconciliations Experience of handling SOX Rules based Projects Self-motivated finance professional with achievements in research methods critically science study guide, budgetary control, cost reduction, controlling of finance and reporting to the top management Aware of Code of essays peace Corporate governance High proficiency in all aspects of International Financial Reporting Standards (“IFRS”) Strong grip on financial and business analysis and essay edition of the pilgrim's, have good business sense Well versed in computerized accounting environment like MS Office with advanced spread sheet skills, Tally ERP, Quick Book and Peach Tree.
Adept at reviewing accounting records and other financial data to assess accuracy, completeness and conformance with company policies and applicable reporting standards. ROLES AND RESPONSIBILITIES: Prepares asset, liability, and capital account entries by compiling and love, analyzing account information. Documents financial transactions by entering account information. Recommends financial actions by analyzing accounting options. Summarizes current financial status by collecting information; preparing balance sheet, profit and loss statement, and with guide, other reports. Substantiates financial transactions by auditing documents. Essays? Maintains accounting controls by research thinking critically with psychological study guide, preparing and recommending policies and procedures. Peace? Guides accounting clerical staff by coordinating activities and answering questions. Reconciles financial discrepancies by collecting and analyzing account information. Research? Secures financial information by completing data base backups.
Maintains financial security by essays, following internal controls. Parenting Essay? Prepares payments by verifying documentation, and requesting disbursements. Answers accounting procedure questions by love, researching and interpreting accounting policy and research methods science study, regulations. Complying with International Financial Reporting Standards (IFRS) Prepares special financial reports by collecting, analyzing, and summarizing account information and trends. Maintains customer confidence and protects operations by keeping financial information confidential. Preparing Bank Reconciliations, Suppliers reconciliations and Receivables aging Analyze business operations, trends, costs, revenues, financial commitments, and obligations, to project future revenues and expenses or to provide advice. Develop, maintain, and analyze budgets, preparing periodic reports that compare budgeted costs to actual costs. Develop, implement, modify, and essays peace love, document recordkeeping and accounting systems, making use of current computer technology. ROLES AND RESPONSIBILITIES: Planning audits and developing audit strategies along with identification of potential risk areas Identifying critical risks, systems’ evaluation and recommending improvements therein Delegation and review of work and resolving issues in liaison with the management Preparing tax computations and reviewing their compliance with local laws and regulations Checking that financial reports and records are accurate and reliable Ensuring procedures, policies, legislation and edition, regulations are correctly followed and complied with Co-ordination with professionals of various fields including legal, actuarial and essays, IT Perform audit tasks monitoring team Performing Internal audits, special assignments , agreed upon procedures Establish, maintain, and coordinate the implementation of accounting control procedures Monitoring and review accounting and related system reports for accuracy and completeness Implementation of Accounting information and barriers to critical, Internal Control System in the Organization Ensuring compliance with the management policies and reviewing existing systems to essays peace, identify any control weaknesses Ensuring whether the delft thesis rules of SOX are applied properly Ensuring compliance with the code of corporate governance Assessment of the financial statements in order to ensure their compliance with the requirements of the local laws, Regulation and essays, International Financial reporting Standards (IFRS) Drafting reports for Internal clients , with experience of discussing findings with the top management of the research methods psychological science guide client Reporting to Managers and Partners. and issuing Final Reports.
Following is the list of essays peace clients handled: Visa Worldwide Singapore PTE Limited Dalda Foods Private Limited Wazir Ali Industries Limited (WIL) Tuwairqi Steel Mills limited TSML Salfi Textile Mills Limited Island Textile Mills Limited Diamond International Corporation limited Tata Textile Mills Limited National Industrial Parks Development Management Company (NIP) United Bank Limited. TECHNICAL PROFESSIONAL SKILLS: QUICK BOOKS, TALLY , PEACH TREE MS-EXCEL, MS-WORD, MS-POWER POINT Aware of research thinking guide Deloitte Software AS 2 User level knowledge of different ERPs used by client Can work under pressure and meet deadlines Have excellent communication interpersonal skills Self-motivated, comfortable in taking initiative and working independently. Attended various professional development seminars and training sessions including Deloitte Audit Methodology and updates in ISAs /IFRSs . Peace? Completed mandatory and optional training courses arranged by Employer regarding updating IFRS/ISAs, Industry specific courses, Financial management courses, Ethics based courses . Working at delft thesis the Deloitte Pakistan Firm has enabled me to develop comprehensive understanding of the competitive and regulatory environments of diversified industries and the accounting and internal control systems implemented at various organizations. During my training period at firm I was engaged as member of audit team senior for essays, special assignments, Internal Audits and agreed upon procedures, of various renowned listed and thinking critically with guide, other clients. This is a sample resume for Internal Auditor. An Internal Auditor’s job is to keep a check and balance on the sale and purchase of the company.
He monitors and accounts the different transactions made by the company throughout the year. As this job is pretty responsible one so the employer would want to essays peace, hire an employee with some experience in this field. Below we have devised a resume sample for effects essay, you to essays peace, help you explain yourself in an easy but impressive and grasping way. Adding previous credits and performances is definitely a plus for the employer’s attention. Last Post: Internal Auditor / Trainee Audit Officer. “To seek a challenging dynamic career oriented position, in the field of Accounting, Audit and Finance that offers opportunity for my professional growth and development and research methods thinking critically with science guide, where I can add value in achieving organizations’ goals objectives, by utilizing my experience, knowledge skills”. DESIGNATION : Accounts Officer.
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Responsible for Group projects costing (related to Material, Labor Assets) Variance Analysis (Material price and essays love, usage, Labor rate and efficiency and to critical, Assets rates, efficiency and usage variances). DESIGNATION : Internal Auditor. Reported accounts staff deficiencies in expenses recognition and amortization of prepaid expenses to CEO. Evaluated internal control deficiencies and provide recommendation for improvements to CEO. Essays Love? Evaluated group’s financial statements integrity, completeness and accuracy by monitoring adherence and methods psychological science guide, compliance of financial statements principles, policies and procedures to International Accounting Standards and international financial reporting standards. Evaluated Group’s resources and operations economy, efficiency and effective (3E’s) and reported misuse of resources and abuse towards SOP’s. Essays Peace Love? Communicated with group’s external auditor for quarterly and year end audit. Assisted in preparation of monthly depreciation schedules for School Building, classroom and office furniture. Followed up and updated books of accounts for tuition fee receivable from students.
Recorded and updated accounts department records, Files and can a college essay long, Documentations systematically and as per policies and procedures of Organization. Assisted in the monthly, quarterly, and year end closing of accounts. Prepared, managed and documented export related documentsg. Essays Love? Commercial invoices, packing lists. Effects? Associated with opening, Endorsement, Retirement and Management of Letter of Credits (LC). Encoded Advance Payments to suppliers in Local and love, Foreign Currencies. Achieved 98% marks (Highest Ever) in critically with science study, theoretical Knowledge test, for essays, the position of can a essay be too accountant in Emirates Petrochemical Services Scaffolding Group. Got employment confirmation within 3 months (of total 6 months) probation period along with promotion (from “Accountant” to peace love, “Accountant General”) with 20% salary increment in Emirates petrochemical Services Scaffolding Group. Delft Thesis? Implemented rationale Customer Screening process for Trading division of Emirates Petrochemical Services Scaffolding Group (which accounted for 20% of Group revenue) for reduction in risk of Bad Debts. Successfully executed “ CUSTOMIZED PETTY CASH ACCOUNTING SOFTWARE” in administration department of Group which helped to encode petty cash transactions systematically and generated timely MIS reports for management, along with proper system generated documentations. Will be furnished on demand.
Working Capital, Voucher, Treasury Petty Cash Management. Stock Control Inventory Management. Planning Budgeting Forecasting. Payroll Processing Management. Essays? Payments and Settlements. International Standards on Auditing.
International Accounting Standards. Fixed Asset Management. Methodology Paper? Financial Statement Analysis. Corporate Tax Filings. Capital Rationing Budgeting. Costing Variance analysis. Provisions Liabilities Management. Finance Control Manager Resume Sample. This resume is a sample for essays peace, the post of Financial Control Manager. A Financial Controller plays a very important role in thinking hum 111, the prosperity of a company or an organization.He performs several major responsibilities including supervising, administration and Finance areas with reporting to local management and to headquarters. Management information system reports, Cash Flow management and facilitating financial problems for customers.
Accounting, Costing, Forecasting, Budgeting and essays peace, Credit monitoring related to Collections. Sample of delft thesis Financial Control Manager is essays given below to help you create a convincing resume. Your resume must entails that you are talented with great moral character. Finally adding references to a resume is definitely go in to stand your (Finance Control Manager ) resume out among others. Finance Control Manager Resume Sample. Status : Married/ Single.
Applied For: Finance Control Officer/Budget Manager/Deputy Finance Manager/Financial Flow Manager. Interested in a challenging position as an Audit Manger/Finance Manager with a reputed organization where I can put to practice my management and audit skills and further my career and Experience. Ability to to critical hum 111, work in dynamic environment, self- motivated, creative and hard working.V.Good internal audit, financial analysis ability and make comparison analyses and V.Good in business development and alternate investment preparation. 15 years experience work in MNC auditing and love, accounting field (Auditing Finance) of can a college long Hospitality, Real Estate , Contracting, Manufacturing and Trading Companies), V Good in risk assessments, compliance and control and also have V.Good analysis ability, Good knowledge of all financial aspects of a business including Budgets, Variance and Cash Flows, Trial Balance and Balance. V.Good background of IAS and essays peace love, GAAP. Current position : Asst.CFO. Current Company : A.H Group of Companies Sharjah-UAE. M.Com (Masters of essay Commerce)-Auditing and Costing .Osmania University Hyderabad. CIFP (Certified Islamic Finance Professional ) Shariah and Islamic Finance from INCEIF Malaysia.
MA (Masters in Public Administration) Completed first year and essays love, discontinued final. Osmania University. Barriers Thinking Hum 111? Completed 3 Years of Article ship from Institute of Charted Accountant of India with Giri Kumar Associates. Diploma in Management Accountancy sponsored Program me. Completed course in Bank Operations at essays peace love Mahesh Bank -Hyderabad Currently pursuing CIA. MH Group of can a be too Companies: Diversified group consists of Real Estate, Hospitality, Contracting, Manufacturing and Trading /April 1997 – 2001 as. Financial Control Cum Internal Auditor. The company is branch of Kuwait, Saudi Arabia, Sharjah, Qatar, Spain and German, company, and specialized in manufacturing pipes, A/c chillers and consists of love 5 hotels in Sharjah and 4000 commercial and residential units for Middle East region. Reporting to the Audit Manager in Kuwait. Conduct audit filed work as per delft thesis audit plan and schedule.
Audit planning, execution filed work,Ensuring audit is conducted in accordance with audit programs, Evaluate and document the client’s accounting and internal control system, Designed and carried out tests of control and substantive tests, Assuring compliance with financial reporting statutory framework. Draft audit report and file audit papers accordingly. Reviewed audit work done by other junior staff. Conducted various types of audits : Operational Audit Finance Audit, Cost Audit, Financial Reporting Audit and Special Audit. Controls Audit Risk Assessment. Consulting or special audits A.H Group of Companies: Finance Supervisor (Manager) for UAE Operations. The tasks focuses on peace love, market, insurance, operation risk, credit and delft thesis, liquidity risk and also oversee the essays peace love control environment and provide early warning solutions regarding risk or control issues.
The tasks also include substantial exposure to senior management, where you I have to bolster business decisions with expert opinions. The tasks also include developing audit strategies into on children, effective audit procedures, generating and implementing ideas to maximize assignment profitability, the main tasks will be to produce assignment budgets and timetables, identify efficiency improvements and to coach other members of staff. Finance Manager along with Audit Supervisor/April 2005 – Present. Reporting MD, DMD CFO. Additional Main responsibilities: -Budgeting, Forecasting Report, – Manage the Team of auditors and supervise and peace love, finalize reports and communicate. – Supervise and resource allocation as per available audit resources and conduct training.
– Risk assessment and finalize risk priorities and maintain risk register. -Follow-up recommendation with management for corrective action. – Prepare Financial Statement, reports, analysis as per management direction. -Monitor group financial activates, receipts, disbursements and prepare daily report. – Monthly Report of CGS, and can a college, Result of operating Activities, – Monitor Bank Transfer, Loan portfolio and facilities funding and non-funding and. – Maintain group cash flow, short term borrowing and terms loan repayments (treasury management) Long term loans follow up in essays peace love, terms of repayments, interest and cash flow. – Monitor and prepare reports on Banks Reconciliation for the major transactions of group. -Presentations of projects, feasibility, investment proposals and business development.
– Prepare Costing Report, Analyses Report, Projected Monthly Cash Flow. -Review facility management contracts of substantial value and major procurement. -V.Good background of International Accounting Standard, and on southey's of the progress, GAAP, – V.Good communication skills with accounting staff other related Department. : V.Good in Oracle Programming, Visual Basic and MS Access. :Well aware of ERP structure and essays, learn course in Oracle Financial and Oracle Data Base Administration. Well aware with hardware and macaulay's edition of the, web based technology.
Apex Hospitals Ltd: Sr. Love? Financial Accountant. Both In-patient and Out-patient. Book Keeping and general accounting, costing and regular accounting functioning up to finalization. Preparing cash flow, receivable management, disbursements, handling bank and its related matters, external auditors and preparing various reports for barriers to critical, decision making process. Daily hospital report to MD on essays, finance, patient management, Housekeeping, medical legal cases, pharmacy issues and other administrative issues. Giri Kumar Associates and Consultants Worked as Article’s from 1988-1990.
Learn basic auditing techniques like vouching, tracing, footing, preparing files, working papers, preparing reports, preparing financial reports, industries knowledge, communication procedures, financial analysis, irregularities, frauds, and basic auditing. Gain industry knowledge in hospitality, hospitals and banks are our major clients.
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Essays of Peace - Global Dreamers
The Scoop on essays love Resume Length: How Many Pages Should Your Resume Be? by Katharine Hansen, Ph.D. Once upon a time, someone came up with a “rule” that resumes should not exceed one page. No one really knows who came up with the rule, but a great many job-seekers still seem to live in fear of this supposed edict. The fact is that very few “rules” exist today in research thinking psychological study guide the world of resume writing. Peace Love. Unbreakable rules include: You can’t lie, you can’t have typos/misspellings, and you can’t include negative information.
Just about every other rule you’ve ever heard about resumes, however, is breakable, including rules about how many pages your resume should comprise. Rules are one thing, but trends are another. To Critical Hum 111. After a period that could almost be described as “anything goes” in terms of resume length, the pendulum in this Twitter-inspired, short-attention-span age has swung back toward shorter resumes. “The norm for most resumes/CVs is one to two pages, even for very experienced professionals,” says the Findings of 2011 Global Career Brainstorming Day: Trends for the Now, the New the peace Next in Careers , published by the Career Thought Leaders Consortium. The publication went on to note that a survey of HR/recruiters on LinkedIn indicated an overwhelming preference for a second page. Even against within this climate of shorter resumes, each individual situation dictates resume length. After surveying career experts, we developed some guidelines to help you determine the right length for your resume. It should be noted that length is primarily an issue that pertains to the traditional, formatted, “print” version of your resume. For resumes in electronic formats that are intended to be placed directly in keyword-searchable databases, page-length is immaterial. “The length of your resume doesn’t matter to an applicant tracking system,” affirms Jon Ciampi, CEO of Preptel, a company that aims to help job-seekers penetrate these systems (as quoted in an article on CIO.com by essay on southey's edition pilgrim's, Meridith Levinson). “It will scan your resume regardless of whether it’s two pages or four. Submitting a longer (say three or four page) resume that allows you to pack in more relevant experience and keywords and phrases could increase your chances of ranking higher in the system,” Ciampi says in Levinson’s article. Love. Thus, this article’s guidelines apply either in situations where your formatted resume is to critical screened by human eyes without having been placed into essays a keyword-searchable database or after a keyword search has narrowed the field of applicants.
Resumes for new grads and entry-level job-seekers are often, but not always, one page. Most college career-placement centers tell students to limit their resumes to can a long one page, notes resume writer Sharon Pierce-Williams, 75 percent of whose business is writing for the college population. Pierce-Williams observes that many career offices even require that students stick to a one-page resume.” Indeed, if there is one group that should strive for a one-page resume, it is essays college students and new graduates. In many cases, these entry-level job-seekers don’t have enough relevant experience to justify more than a page. Some new grads do, however, have lots of 2009 relevant internship, summer-job, extracurricular, leadership, and essays love sports experience that justifies a two-page resume. Pierce-Williams takes an unusual approach to new-grad resumes. “I have compelling proof that two-page resumes land job interviews for college students,” Pierce-Williams says. “Length depends on extra-curricular involvement and leadership. It takes a certain ‘go-getter’-type student for a two-page resume.” Pierce-Williams designs college-student resumes in which page one “often looks like a ‘regular’ resume, but page two is entitled ‘Key Leadership and parenting essay Project Management’ or simply ‘Key Leadership.'” Pierce-Williams says she uses this page-two section to list three to four projects in peace which the student made a difference in an association or sorority/fraternity. If you fall into the college-student/entry-level/new-grad group and are tempted to go to two pages, just be sure that you have the relevant material to research paper 2009 justify a second page. “Once someone has been in business for 10 years, particularly if they have switched jobs, I find it difficult to keep it on peace one page,” says coach, speaker, and trainer Darlene Nason. “I think a two-page resume is a good average.”
In his Resume Critique Writer software, Grant Cooper of Strategic Resumes offers this view of the two-page resume: “The resume has now taken the research place of the initial interview, and only those with significant qualifications and strong resumes are even invited to peace love interview. True, it does take an additional minute or less for an HR professional to review the second page of a resume, but that extra minute is seen as far more helpful than scheduling a questionable candidate for a personal interview.” Supplemental sheets and addenda provide a way to present additional information without adding to the length of the college essay be too resume itself. Executives in particular were advised till recently that three- and four-page resumes were acceptable and even expected. Peace. Now, though, the effects on children trend is toward two-page or even one-page resumes for executives that are supplemented by peace, various addenda that can optionally be submitted with the resume. “A suite of addenda,” says Deborah Wile Dib, president of research critically study Executive Power Brand, can be “a strategic way to mention presentations, awards, published works, technical skills, extensive education, and expanded success studies.” Dib, who particularly uses addenda with executives, notes that “such addenda allow for even greater depth without cluttering the resume.” Creating various supplements and addenda enables the essays job-seeker to choose which pieces to hum 111 send along with the resume. Essays Peace. He or she might instead choose not to send any addenda but to bring them to research methodology paper 2009 the interview. Even among employers, there’s no consensus on preferred resume length. While there is no consensus among employers and love recruiters about delft thesis resume length, some feel one page is too short. Essays Peace Love. Maureen Crawford Hentz, manager of talent acquisition, development and compliance at Osram Sylvania, Boston MA, particularly disdains “abbreviated or ‘teaser’ resumes” that urge the recruiter, “for more information, call me.” Many recruiters believe that two pages is effects about the essays love right length; for some, three pages is the outside limit that they will read. “If the resume is longer than two pages, it needs to to critical hum 111 be well worth it,” noted Hentz’s colleague at Osram Sylvania, Harlynn Goolsby.
Others question executives’ ability to essays peace love prioritize if their resumes are longer than two pages. Since recruiters pass candidate resumes on to critical thinking hum 111 to client employers, they must also consider employer preferences. “Most of my clients profess that they are too busy to peace love read anything lengthier — thus, I deliver what they require,” said Chris Dutton, director at Intelligent Recruitment Services and Owner, Intelligent IT Recruitment, Manchester, UK. Recruiter opinions about resume length have been colored in recent years by the growing practice of delft thesis reading resumes on a computer screen rather than printing them. Resumes that might seem too long in print are acceptable on screen. For many decision-makers, page length is less important than providing sufficient details. Essays. “I … encounter quite a few resumes that have been stripped of any detail in order to confine them to one or two pages,” said Pam Sisson, a recruiter for Professional Personnel in Alabama. “My immediate response is to methods with psychological science guide ask for a more detailed resume. A resume that’s three or four pages but actually shows the qualifications and love experience necessary for research with science guide, a position is much preferred, in my opinion, to one that has cut out all the substance to meet some passe idea of a one-page resume.” John Kennedy, senior IT recruiter at Belcan agreed: “Resume length is of very little importance so long as the information is accurate, verifiable, and pertinent to peace the position. If a candidate has 20 years of experience directly relating to the position being applied for and that experience is effects on children verifiable, it should be listed even if the resume goes four-plus pages.”
Given that employers screen resumes for love, as few as 6 seconds, a resume must quickly capture the reader’s interest. Methodology 2009. “As long as the resume grabs the peace attention of the hiring manager, it is the right length,” says McCown-Guard. “Whatever the length of the resume, the barriers thinking hum 111 critical factor is to make absolutely certain that your reader’s interest is piqued within the peace love first half of the first page,” cautions Laurie J. Delft Thesis. Smith, president of Creative Keystrokes Executive Resume Service. “Of equal or greater importance [to length] is concise writing, short paragraphs, brief lists of bullet points, and good organizational strategies that ensure the resume can be quickly skimmed,” notes the Findings of 2011 Global Career Brainstorming Day: Trends for the Now, the New the Next in Careers . Love. “In addition, it is essential to on southey's use strong merchandising and positioning strategies to bring the most relevant information to the forefront. Peace Love. Creating a strong impact “above the fold” — on the top half of the first page of the resume — has become increasingly critical for job seekers in one of the most competitive employment markets we’ve ever experienced.” Whatever page your resume ends on, text should fill at essay edition of the pilgrim's progress, least a third to essays peace love a half of the page. If the last page of your resume amounts to just a few lines of macaulay's essay pilgrim's text, it’s best to condense so that the preceding page becomes the last page of your resume. Conversely, don’t add superfluous text just to fill up the last page of your resume. “I never fluff up content for essays peace love, the sake of filling space,” says Teena Rose of Resume to Referral. “Irrelevancies can dilute the overall effectiveness of the resume.” The end of your resume, Rose notes, “should offer additional value and not be perceived as leftovers.”
Don’t sacrifice your resume’s readability to macaulay's on southey's edition of the progress make it conform to arbitrary “rules” about resume length. It’s always pitiful when we have to whip out the magnifying class to read the tiny 8- or 9-point type on the resume of a job-seeker who has gone to absurd lengths to limit his or her resume to a certain number of pages. Don’t forego readable type (we suggest no smaller than 10.5 point; 11 to essays love 11.5 is better), comfortable margins (some resume writers say 1 inch all around; we’ve gone as small as .7?), space between lines, white space, and hum 111 a pleasing, eye-attracting layout just to cram your resume onto X number of essays pages. “It’s less taxing and time-consuming to read one and a half or two well-formatted pages than one page where everything’s squished together,” observes one expert. “Those resumes that do contain detailed information, but are literally ‘crammed’ into one page, are now frowned upon,” says Cooper in his Resume Critique Writer software. “It is simply too difficult for macaulay's essay on southey's edition of the progress, a hiring director to read the tiny print and jam-packed information squeezed into a one-page stuffed resume. Companies that once insisted on love one-page resumes are perfectly happy with a clearly-written, concise, and well-formatted two-page resume that is easy to read, yet has the detailed information they now need.” Page numbers, headers, and footers can aid continuity in a resume that is two or more pages.
All resume pages beyond page one need to be numbered. Delft Thesis. Some job-seekers choose a “page 2 of essays 3” model. “If you decide to go with two or more pages, be sure to include your name and thinking appropriate page number at the top,” suggests Ann Baehr of Best Resumes. “And organize all of the information with distinct categories to make it easier for the reader to find what they are looking for at a glance.” Including your name close to the page number is highly desirable in case resume pages get separated from each other. Love. However, repeating your entire “letterhead” from the first page of your resume on subsequent pages can be confusing and take up too much space. Career-management coach Don Orlando takes a novel approach to a footer designed to macaulay's essay of the pilgrim's entice the employer to keep reading the resume: “At the bottom of my multi-page resumes, there is essays a [customized] footer that reads something like this: ‘More indicators of performance General Motors can use now…'” It’s OK for a resume section, such as your experience, to straddle two pages of your resume, but avoid splitting the description of a given job over two pages. Parenting Effects On Children Essay. Finish describing a job on one page, and begin detailing the next-oldest job on the following page. Final Thoughts on Job-Seeker Resume Length.
One more guideline to consider is that one-page resumes are typically expected for essays peace, networking and at job fairs. If you’re still torn about how long to make your resume, consider contacting a qualified resume writer for an expert consultation. Questions about some of the terminology used in this article? Get more information (definitions and links) on key college, career, and job-search terms by essay be too long, going to our Job-Seeker’s Glossary of Job-Hunting Terms. Katharine Hansen, Ph.D., creative director and associate publisher of Quintessential Careers, is an educator, author, and blogger who provides content for Quintessential Careers, edits QuintZine , an electronic newsletter for jobseekers, and blogs about storytelling in love the job search at A Storied Career . Katharine, who ea ned her PhD in organizational behavior from Union Institute University, Cincinnati, OH, is author of Dyn mic Cover Letters for New Graduates and A Foot in t e Door: N tworking Your Way into the Hidden Job Market (both published by on southey's of the pilgrim's progress, Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and with Randall S. Hansen, Ph.D., Dynamic Cover Letters , Write Your Way to a Higher GPA (Ten Speed), and The Complete Idiot’s Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at essays peace love, kathy(at)quintcareers.com. Check out Dr.
Hansen on GooglePlus. Have you taken advantage of all the many free resume tools, articles, samples, and more that we have in the Resume Resources section of Quintessential Careers? QUINTESSENTIAL RESUME-WRITING PARTNER. LiveCareer’s Resume Builder is the fastest, most efficient way to build an effective resume. Featuring hundreds of research methods critically with study templates and professional designs for all jobs and peace love industries, Resume Builder also includes sample phrases written by our experts, plus helpful tips and advice to make your resume stand out. We’ll guide you step by step through the process, so you can build an impressive resume that will make employers want to know more.
Ready to jump-start your job search and move closer to reaching your goals? Try Resume Builder today, and methods study guide learn how easy it is to create your own resume. We’re so confident that you’ll love Resume Builder that you can try it for FREE! Building Tools That Build Better Work Lives. Since 2005, LiveCareer’s team of essays peace career coaches, certified resume writers, and macaulay's essay edition savvy technologists have been developing career tools that have helped over 10 million users build stronger resumes, write more persuasive cover letters, and essays peace love develop better interview skills. On Southey's Edition Of The Progress. Use our free samples, templates, and writing guides and peace our easy-to-use resume builder software to help land the job you want. Dr.
Randall S. Hansen. Dr. Randall S. Hansen is founder of delft thesis Quintessential Careers, one of the oldest and most comprehensive career development sites on the Web, as well CEO of essays peace EmpoweringSites.com. He is research also founder of MyCollegeSuccessStory.com and EnhanceMyVocabulary.com. He is publisher of Quintessential Careers Press, including the Quintessential Careers electronic newsletter, QuintZine. Peace Love. Dr. Hansen is also a published author, with several books, chapters in books, and hundreds of macaulay's on southey's of the articles.
He’s often quoted in the media and essays love conducts empowering workshops around the country. Finally, Dr. Paper 2009. Hansen is essays peace love also an educator, having taught at the college level for barriers to critical thinking hum 111, more than 15 years. Peace Love. Visit his personal Website or reach him by email at email@example.com. Check out Dr.
Hansen on GooglePlus. Katharine Hansen, Ph.D., creative director and associate publisher of Quintessential Careers, is an educator, author, and blogger who provides content for Quintessential Careers, edits QuintZine, an electronic newsletter for jobseekers, and blogs about paper 2009 storytelling in love the job search at A Storied Career. Katharine, who earned her PhD in organizational behavior from Union Institute University, Cincinnati, OH, is author of Dynamic Cover Letters for parenting, New Graduates and A Foot in the Door: Networking Your Way into the Hidden Job Market (both published by Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and with Randall S. Hansen, Ph.D., Dynamic Cover Letters, Write Your Way to a Higher GPA (Ten Speed), and The Complete Idiot’s Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at firstname.lastname@example.org. Check out Dr. Hansen on GooglePlus. I AM A CAREER CHANGER This page is your key source for all things career-change related. You’ll find some great free career-change tools and peace love resources. Changing careers can be traumatic, especially if you have been in your current career for essay be too long, a long time, but you do not have to go through the process alone or  Quintessential Careers: Career and Job-Hunting Blog.
Quintessential Careers: Career and Job-Hunting Blog Career and job-search news, trends, and scoops for essays, job-seekers, compiled by the staff of Quintessential Careers.The Quintessential Careers Blog has moved!! These pages remain as an archive of research methods thinking with science study guide our previous blog posts. Please check out the new and improved Quintessential Careers Blog for essays, Job-Seekers and Careerists. Research. Interview Advice Job  The Quintessential Directory of Company Career Centers. The Quintessential Directory of Company Career Centers Where job-seekers can go directly to the job/career/employment section of essays a specific employer’s Website.Because more and delft thesis more companies are developing career and employment centers on their corporate Websites, Quintessential Careers has developed this directory, which allows you to go straight to the career and essays employment section of the  Quintessential Careers: I am a Career Coach or Counselor. The Quintessential Directory of can a college essay Company Career Centers Where job-seekers can go directly to love the job/career/employment section of a specific employer’s Website.Because more and more companies are developing career and barriers to critical thinking employment centers on their corporate Websites, Quintessential Careers has developed this directory, which allows you to go straight to the career and employment section of the love  Mighty Recruiter Mighty Recruiter. Customer Service Customer Service. 800-652-8430 Mon- Fri 8am - 8pm CST.
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How to become a freelance copywriter. I’m often asked for advice on how to get started as a freelance copywriter, so I’ve written this article as a guide. If you’re thinking about getting into essays love copywriting, this post should answer many of your questions. Research Methodology Paper. Please bear in mind, though, that this only reflects my own knowledge and experience, based on 10 years as a freelance copywriter in the UK. Your own experience may vary, and other copywriters might give different advice. I welcome all alternative views in the comments. Essays. A freelance copywriter is anyone who writes words (or ‘copy’) for 2009, commercial use on a contract basis. Peace Love. Freelance copywriters can work directly with clients, or through intermediaries such as agencies or online work exchanges.
The text produced by a freelance copywriter can be used in advertisements, websites and digital media, printed marketing or anywhere else, but it always has some sort of delft thesis, practical aim, whether it’s persuading people to buy a product or just giving them information. In the advertising industry, ‘copywriter’ is used specifically to mean people who come up with concepts and copy for advertisements (see below). In marketing more widely, it denotes anybody who writes commercially, or produces content for online use. So there are situations where it’s important to know what someone means when they say ‘copywriter’. Essays. Online, the rise of content marketing and native advertising has blurred the parenting on children essay line between ‘copywriters’ and ‘journalists’.
In general, journalists write editorial content and are paid by publishers (even if the content they produce is love about a brand), whereas copywriters write marketing copy about a brand and are paid by the brand#8217;s owner. Native advertising muddies the waters by incorporating paid-for mentions of a brand into editorial content (in effect, journalists acting as copywriters), or presenting paid-for coverage as editorial (copywriters acting as journalists). Why become a freelance copywriter? If you’re reading this, you probably already know a few good reasons, but there may be others you haven’t thought of. Delft Thesis. Accessibility . The barriers to entry in copywriting are practically non-existent. Essays Peace Love. You don’t need qualifications, specialised equipment or even any software apart from on southey's edition of the pilgrim's Word . A phone and love, a computer and you#8217;re good to go. Flexibility . Even as a free agent, you still have to do what clients say and barriers to critical thinking, get the peace money in. But the thinking with psychological science guide freelance life does offer a lot of scope for flexible working, allowing you to balance work, leisure and family the way you want.
You can work in a coffee shop or your garden, or even become a digital nomad. Finances permitting, you don#8217;t have to take any job you really don’t want, and if you’ve hit your target for the month, you can take off for the beach. Range . You can work with clients of love, any size, in any industry, anywhere in the world, dealing with them via email and Skype. That means you can put your writing skills at the service of non-native speakers who need quality text in English, which is a huge market. Impact . The copy you write can make a big difference to research paper marketing campaigns and, for smaller clients particularly, may even affect the essays peace fate of an entire company. If you help a client nail an idea or message they’ve been really struggling with, like a product name or a tagline, they’ll be eternally grateful. Variety . A freelance copywriting career can include a huge range of clients, projects and styles. You might be writing about oven chips for a multinational in research thinking guide the morning, deep-sea diving lessons for a sole trader in the afternoon. You’ll talk to entrepreneurs, managers and marketers at all levels, each with their own unique communication problem to solve.
While some jobs will inevitably interest you more than others, the overall variety means life as a freelance copywriter is never dull. And there’s always more to learn. Creativity . No matter what the job, the client or the essays brief, there’s always a way to on children add interest, life and colour through your writing. Finding new and memorable ways to express ideas never gets old, and essays peace love, is one of the most rewarding things about the freelance copywriter’s life. What do freelance copywriters work on? They write whatever needs writing! For example, you might be asked to write advertisements (print and 2009, broadcast), brochures, leaflets, press releases, product manuals, product packaging, online product descriptions, websites, articles, social-media content, sales letters, emails, telephone scripts, video scripts, interviews, FAQs, how-to guides and more. There are also some specific skills or disciplines within copywriting. Creating ad concepts means coming up with interesting, memorable ideas for ad campaigns. The concept may include images, video or design as well as the words themselves. For some ads there may be no words at all, just an essays, idea.
Many ad copywriters link up with a designer or art director in a two-person creative team, using their complementary visual and macaulay's pilgrim's, verbal skills to develop ideas in partnership. Business-to-consumer (B2C) copywriting is work on materials aimed at general consumers (as opposed to peace businesspeople). You need to parenting on children essay be able to get inside people’s heads and peace love, understand what makes them tick, so you can make products and services sound interesting, attractive and relevant to their lives. You also need to write in different tones of voice for different brands – for example, an parenting, ad for a chocolate bar sounds different from an ad for a car. (See How to define your brand’s tone of voice.) Business-to-business (B2B) copywriting helps a business sell to other businesses. You need to essays love be able to explain product and service features clearly and effectively, and communicate the benefits they offer. On Children Essay. But business buyers are still people, so you also need to convey the personality of the business and make an emotional connection with the reader. Online copywriting means writing for websites and essays peace love, other digital channels.
It can include companies’ own corporate websites, as well as articles, white papers and anything produced under the delft thesis banner of ‘content marketing’. You need to essays peace love be able to hold readers’ interest in methods thinking with science study a medium that encourages skim-reading and rapid navigation. You also need to be able to structure content so it’s easy for visitors to use a site (user experience, or UX) and encourage them to take a particular action, such as buying a product (conversion optimisation). Social-media copywriting means creating content for publication at social channels such as Twitter and Facebook. Social content needs to essays be attention-grabbing, memorable, sharable and 2009, often very short. It often needs to use humour to increase its appeal without causing offence. And it needs to promote brands or products in a way that people won’t find boring, irritating or just risible. SEO copywriting is peace love a specific form of online copywriting aimed at maximising the visibility of web pages at search engines. You need to understand how web pages are coded and barriers to critical thinking, how search engines analyse their content. Since this changes all the time, principally as Google updates its algorithm, specialising as an SEO copywriter means staying up to peace love speed with the latest trends.
Some knowledge of SEO is delft thesis really a requirement for any sort of online writing, but you can partner with an SEO consultant or agency to essays peace love tap into delft thesis deeper knowledge. (See SEO in 5 minutes for an intro to SEO, and In defence of SEO copywriting for more on why the writer’s skills are important.) Content marketing is a catch-all term for material that brands produce to peace inform, guide or entertain customers without directly selling to them. The idea is research thinking critically science study that people read the content, find it valuable and form a positive opinion of the brand that provided it. You need skills in researching and peace love, organising information, making it relevant to readers and gently orienting it towards a brand or product without overt selling. 2009. Since content often needs to be found online, and can help to attract visitors to a site, content marketing is closely linked with SEO. Technical writing is any type of writing that requires knowledge of a particular area of love, science or technology. Research Critically Science Study Guide. For example, a technical writer might work on instruction manuals for custom-built enterprise software. Essays Peace. Since gaining technical knowledge takes time, technical writers may specialise in delft thesis particular areas, and can sometimes charge a premium because their expertise is relatively rare.
Technical writers need the ability to explain complex subjects clearly and concisely, and essays peace, structure content for macaulay's essay edition progress, readability and navigability. Academic writing is similar to technical writing, and is simply working on essays peace love text that relates to a specialised academic subject, whether in the humanities (literature, art history) or the sciences (physics, mathematics). If you have enough knowledge of a particular topic, and the ability to explain its finer points in writing, you could turn it into a copywriting specialisation. Research Methodology 2009. You could help academics prepare or edit journal articles, or worth with research organisations, journals, book publishers or anyone else who needs well-written academic content. This list is not exhaustive. Some copywriters focus on one or more of these areas, and love, others are generalists who will turn their hand to anything. Some present as generalists, but still point to one or two specialisations. What work you go for college essay, depends on essays peace love your own skills and temperament. People come to copywriting from many different backgrounds (see Tinker, tailor, soldier, copywriter) and knowledge gained in a previous job may suggest a specialisation. For example, I started out in non-fiction publishing, which made me naturally suited to longform work and B2B clients; broadcast ads for B2C are further from my comfort zone.
Or you may find that a specialisation emerges naturally over time from the type of work you get given, particularly if people refer you to their friends or colleagues within a particular sector. Whether you focus on one skill or one type of client, remember that marketing yourself as a specialist can be a high-risk, high-return approach. It makes you more appealing to effects on children essay a certain group of clients, but completely irrelevant to others. However, if you can make it work, you could well be able to charge a premium for your service. Essays Peace Love. Who can be a freelance copywriter? The short answer is delft thesis ‘anyone’. Essays Love. The copywriting industry is unregulated, and you don’t need any qualifications or certification to delft thesis work in it. If you call yourself a copywriter, and clients pay you for essays love, copywriting, you’re a copywriter.
However, if you want to succeed as a freelance copywriter, you’ll need the following. Proven writing ability. It’s good to believe in yourself, but if you want to make a living from to critical thinking hum 111 copywriting, you need other people to essays love agree that you’re a good writer. If your writing has been commercially published, widely circulated at delft thesis work or just praised by someone independent, you may have marketable copywriting skills, or the potential to develop them. Essays Love. Business skills. Freelance copywriting isn’t just writing. You’ll need to market and promote yourself, manage your money and set the college direction of your freelance business (see Strategy for freelances). This is a big change if you’re used to a salaried position, where other people manage your work and your income is stable and peace love, predictable. Admin skills.
You’ll need to manage your workload, projects and timescales, keep financial records and stay on top of correspondence. Again, if you#8217;re used to other people scheduling or prioritising your work, or helping you with admin, this can take some getting used to. College Essay Be Too. (I’ve created a simple spreadsheet that you can use to essays peace love track projects.) Personal qualities. College Be Too Long. Freelance copywriting is a fantastic job, but it can be lonely and tough at times. You’ll need the strength to keep going through missing out on jobs you wanted, receiving negative feedback and clients who pay late or even never (see On not being paid). You’ll need self-discipline and self-reliance to love meet clients’ expectations, plus self-confidence to parenting essay win business, believe in your ability and charge what you’re worth (see How to build freelance confidence). And you’ll probably need to love like, or at least tolerate, independent solo working (see The joy of working alone.) Not really.
Although copywriting courses are available, there’s no ‘official’ qualification that allows you to become a copywriter. If you’re going to to critical thinking hum 111 be writing longform copy, English-language skills are obviously valuable, which you might have gained from an academic course such as an English A-level or degree, or equivalent. But you might just as easily have honed your writing skills in an office job where communication was important – anything from customer services or purchasing to marketing or PR. If you decide to peace love take a course, bear in mind that it’s experience, rather than paper qualifications, that will impress clients most. So evaluate potential courses in research terms of the essays peace actual skills you’ll gain, rather than impressive-sounding additions to your cv. Of The. Do I need to form a limited company? No, you can easily operate as a sole trader. To do this, you simply keep records of peace, everything you spend and earn, and complete a self-assessment tax return showing self-employed income at the end of the tax year (5 April). However, being a sole trader does limit your options in some ways. As a business, you can offset capital expenditure (equipment you buy for your business, such as computers) against delft thesis earnings, which usually helps with your tax bill.
It can also be helpful, psychologically, to separate ‘you’ from ‘your business’, so you can make decisions in essays a more rational, detached way. You can register for edition pilgrim's progress, VAT as either a sole trader or a business, and you must do so if your turnover (total sales) is essays peace more than ?81,000 in a year (2014 data). Can A College. Registering for VAT means you can claim back the VAT you’ve paid on purchases – which can be significant if you rent an office, or buy a lot of computer equipment. Basically, if the VAT you’re likely to reclaim comes to more than the cost of paying an accountant to essays peace sort out thinking hum 111 your VAT, it’s probably worth registering (regardless of your turnover). How can I gain freelance copywriting experience? The first few months as a freelance copywriter can feel like a Catch-22: you can#8217;t get work until you have experience, but you can#8217;t build up experience unless people give you some work. However, there are ways to build up a portfolio without landing a ton of clients on day one. You can do unpaid work for friends, family or good causes such as charities. This is a great way to build up a portfolio without the hassles that go with gaining paid work. You’ll need to prevent ‘feature creep’ and essays love, also make sure the client values your work and is committed to working constructively with you, even though they’re not paying. You can do spec work , which means writing things that haven’t actually been commissioned (very often ad concepts).
If you feature this sort of paper 2009, work in your portfolio, make it absolutely clear it was done on spec, or people will assume you really did work for the brand. (You can enter spec work for the Chip Shop Awards.) You can write a blog or get articles published online to showcase your writing skills. This isn’t the essays love same as taking on to critical hum 111 a commercial project, but it still shows people you can write. Blogging about copywriting itself can be a good way to sharpen your thinking and demonstrate your insight to essays clients (see Seven reasons copywriters should blog). You can take assignments through ‘find a freelancer’ sites like Elance or content mills like Copify. The rate will probably be very low, making this a good way to build up a portfolio but not so good for long-term earnings potential. Having said that, some copywriters do use these platforms to parenting effects on children top up during quiet months. (For my personal views on content mills and the service they offer to clients, see What copywriting clients won#8217;t get from content mills and love, The real price of cheap content.) How can I find freelance copywriting work? Many copywriters find that having a website provides a good basis for promoting themselves. Research Methodology Paper 2009. A site can include information on essays love your services, writing samples, client testimonials and paper 2009, anything else relevant to potential clients. Creating your own website can be expensive, particularly when you’re just starting out. The Professional Copywriters’ Network offers a Pro membership package for ?48pa inc VAT that lets you create a comprehensive online profile and a portfolio with up to 12 samples of your copywriting work. (Disclosure: I am a co-founder of PCN.) You’ll probably want to create profiles at social sites like Twitter, Facebook and essays, LinkedIn. These serve a triple purpose: promoting yourself to clients, showcasing your writing skills and barriers, networking with other writers.
Some freelance copywriters separate their ‘work’ and ‘home’ profiles, but many (including me) don’t bother. If you want a mix of peace, informal work-related chat, support and messing about, one account makes sense. If you’re used to having colleagues, or just find it difficult to work on your own, interaction on social media can be a lifeline. There are may ways to promote yourself offline too. Attending networking events can be a useful way to essay on southey's pilgrim's make contacts – just don’t expect to come home with a ton of work. Essays Peace Love. However, even though there may be more sellers than buyers at the event, that doesn’t mean you won’t meet some interesting people. Think very carefully before joining a paid-for referral scheme such as BNI – in my experience, they’re very effective for tradespeople and professionals that everybody needs at some point, such as plumbers and solicitors, but much less so for B2B specialists like copywriters.
You may be the go-to copywriter for a large networking group, but they still might not actually be going to you all that often. Don’t underestimate the parenting effects essay power of your existing network. Put the essays peace word out among colleagues, friends and research thinking critically, family that you’re looking for freelance copywriting work. You never know who might be looking for a writer, and one job is all it takes to start getting word-of-mouth referrals. Cold-calling is something that few copywriters I know have the natural temperament for, although most have tried it at some stage. The problem is peace love that when people need a copywriter, they really need one – but when they don’t, they really don’t. A better approach might be to craft a really strong sales letter or piece of creative work and send it to potential clients. That way, even if they don’t need a copywriter now, they may hang on to your letter and remember you when they do. An alliance with a local marketing, digital or PR agency might be fruitful.
Agencies often turn to freelances for help with writing. The upside is that you don’t have to deal directly with the client, which can save you time and make jobs run more smoothly. The downside is that you don’t ‘own’ the delft thesis link with the client, and essays peace love, may even be forbidden to contact them directly. As a freelancer, relationships are your most valuable assets. How does freelance copywriting work, day to can a essay be too day? Clients usually get in touch via email or phone. They will probably want to know what you charge, particularly if they’ve never worked with a freelance copywriter before. A ballpark price will either put them at their ease, or show them they can’t afford you – in my view, either outcome is better than stringing them along and leaving it as late as possible to give a price, although some salespeople do recommend that approach. (See the next section for more on pricing.) Prospects may also want to discuss their project with you, which is essays peace love fine up to a point, but has the potential to eat up an unlimited amount of your time for no return. Barriers Hum 111. The trick is to display the depth of your knowledge without providing too much solid guidance that the essays love client can take away and delft thesis, use for free. Try to talk about what’s involved in the project, or what’s important to love get right, without saying what you would actually do.
If need be, don’t be afraid to say that any further questions would be answered once the project is confirmed – politely implying ‘show me the money’. Can A College Be Too Long. Some clients may want to meet up before they commit to using you. Whether you agree depends on your location and how much time you can spare. Remember that all conversations and meetings have to be paid for, either as a project cost (clients pay per job) or as an essays peace, overhead (cost shared between all your clients/projects). Charging for delft thesis, longer meetings shows your time is valuable, but if you really want the essays job, you may be happy to invest a few hours. If you’re working through an parenting on children, agency, it’s important to clarify who will be paying your invoice – them, or the end client. If the client uses purchase orders, that’s great, but an essays peace, email explicitly confirming the scope and price is essay progress still legally binding. Some freelance copywriters ask their clients to essays love sign an actual contract or letter of agreement that defines the scope, working process, price, payment terms, transfer of copyright (see Copyright for copywriters) and so on. It’s good practice, but it can be a bit onerous for smaller jobs.
An alternative approach is to create a standard set of research methods critically psychological science study, terms and conditions – you can publish them at your website, or attach them to your estimates – and make it clear that the client is agreeing to essays them by commissioning you. Parenting. One way or another, you need to love get source information from the client to inform your writing. Delft Thesis. This could be notes they write specially, existing marketing materials or anything else. Interviewing the client by phone can be very productive, and if you use this method – which I do all the essays love time – you may find that recording calls is an invaluable way to capture all the information. Research Methods Psychological Study Guide. There’s an app for Skype called Call Recorder (Mac), or if you#8217;re on a landline you can buy a device to record your calls, with the other person’s persmission (see Recording phone conversations makes for better copywriting). Once the client is happy with the terms, you can start writing. Most copywriters simply work in Microsoft Word , and send the essays love client the file for approval via email. For ad concepts, you may find it easier to hand-draw scamps (rough sketches) and scan/cameraphone them, while for online work, creating tables in Word is research methods thinking critically psychological one way to approximate the layout of a web page. Personally, I find it helpful to explain certain decisions with comments in the document itself. This can help to manage expectations and forestall likely questions, helping the client to stay focused on the bigger picture instead of getting caught up in details. Copywriting drafts are most often submitted by email.
Sometimes, the job sails through with no amends at all, but more often you’ll need to revise your work before it’s approved. Aim to agree up front how many rounds of changes are included in your price (two is usually enough) – if things drag on beyond that, at least you have the right to renegotiate, even if you opt not to use it. Peace. Once the client has accepted your final draft, you can submit your invoice, either by methodology, email (as a PDF, probably) or by post. Make sure you ask who to address it to, to avoid problems later. And remember to chase it up once it’s overdue – it’s a horrible job, but invoices very often get ‘missed somehow’, so it’s one you can’t afford to skip. Also, if there are any circumstances that might jeopardise your payment, you need to find out about them as soon as you can. Peace. Freelance copywriting fees depend on your skills and experience and paper, the demands of the project.
In general, the more experience you have, and the more prestigious the brands you’ve worked for, the more you can charge. As I’ve said, you may also be able to charge more for essays peace, a specialist service. Factors that might affect the delft thesis price of a project include: How long the work will take How quickly the client wants the text delivered The number of revisions required The quantity and/or nature of feedback (for example, review comments from essays peace lots of barriers to critical hum 111, different people) The value of the essays peace love content to the client’s business The importance or prominence of the content, which affects the level of quality required and therefore how much time needs to be put into editing and rewriting The technical complexity of the subject The sensitivity of the content (for example, editing an internal document on proposed redundancies). Some freelance copywriters offer discounts for smaller businesses or sole traders, or work at parenting a discount (or pro bono) for essays peace love, charities they want to help out. It’s generally better to charge a flat fee per job rather than an hourly or daily rate. It keeps things clear and delft thesis, simple, and essays, stops you getting drawn into an awkward discussion of essay, how long a job ‘should’ take. However, you may still want to essays peace love set a daily rate, for three reasons: You can still use it as a rule of thumb for calculating prices, even if you then present the price to the client as a flat fee. It can help clients make a quick comparison between copywriters, and get a rough idea of how much experience they will get for their money. You can use it to quote for can a be too long, ‘taxi cab’ tasks, where you’re selling your time rather than delivering something tangible. For example, to attend a meeting at peace love a remote location, you might charge for the time spent at the meeting plus travel time, plus travel expenses.
The PCN has developed a set of recommended rates, with accompanying guidance, that may be useful. Can A Long. As well as agreeing how much you’ll be paid, you’ll probably want to agree when payment is due. Many freelance copywriters, including myself, simply ask for love, payment on completion, with terms of 30 days. On Southey's Edition. Others like to essays love get a proportion of the fee up front, particularly for new clients. It’s probably good practice, but I find it can create needless obstacles and delay – or even a feeling of research methodology, distrust – when all the essays peace love client wants to do is press on with the project. Some clients may request a free or discounted sample of your work – for example, asking you to write one page of methodology, a website before commissioning you to do the rest. Whether you accept is up to you, based on how badly you need the work, or want to do the project. Since I already have a fairly big portfolio online, covering lots of different industries, I can never really see why I should do a free sample.
Also, the promise of essays peace love, ‘lots of work in the pipeline’, in my view, is not a basis to methods thinking with psychological study negotiate a discount – to essays get a bulk price, you need to actually order in bulk. Effects On Children Essay. A variation on free samples is payment on approval – in other words, the peace love client only pays if they like what you write, or intend to actually use it. Delft Thesis. In my opinion, this simply gives them a financial incentive to reject your stuff and make you try again, instead of committing to a partnership where you work together for the best possible result. Basically, you gain nothing from the love deal: the best you can hope for is a standard working process (writing, approval, payment), but if things go sideways, you can expect some very prickly discussions about whether your work is fit for macaulay's edition of the, purpose or not. But again, if you really want the job, you may be happy to make the deal. Books on copywriting and freelancing. Essays Love. Write to Sell by Andy Maslen. A good, concise guide to the copywriter’s craft. Long. Write Copy, Make Money by Andy Maslen. Not a copywriting guide, but rather a manual to making copywriting pay.
Features interviews with several established freelancers, including myself. Read Me by essays peace love, Roger Horberry and Gyles Lingwood. A readable illustrated guide to to critical writing powerful copy from two highly respected industry veterans. Peace Love. The Copy Book by DAD. A weighty compendium of inspiring examples and guidance from some of the greatest copywriters of the parenting on children last few decades. Essays Love. Never fails to stimulate a new idea. Hey Whipple, Squeeze This by Luke Sullivan. Research Methodology. A great guide to writing good adverts, now updated to love cover online content too. How To Write Sales Letters That Sell by Drayton Bird. Exhaustively detailed guide to writing effective sales letters. Valuable Content Marketing by Sonja Jefferson and Sharon Tanton.
Readable, comprehensive overview of effects, content marketing. Ogilvy on Advertising by David Ogilvy. Classic but still relevant wisdom from the ‘father of modern advertising’. Predatory Thinking by Dave Trott. Strategies for out-thinking the competition, and very relevant for copywriters looking for a different approach to a creative brief.
Think Like A Copywriter by essays peace love, Alastaire Allday. Free ebook that makes a great introduction to research methodology paper copywriting. The ABC of Copywriting . My own free ebook, which brings together the best copywriting guidance from this blog. I hope this article has answered most of your questions about essays, working as a freelance copywriter. If there’s anything else you want to delft thesis know, ask me in essays peace the comments below and I’ll do my best to help. An excellent overview, Tom, which I#8217;m sure a lot of people will find useful. I just wanted to add a few bits and pieces on the sole trader / limited company / VAT aspects, which can take some figuring out when you#8217;re first starting. Macaulay's Essay Edition Pilgrim's. First, sole traders can claim capital allowances on equipment they buy for their businesses that#8217;s not exclusive to limited companies. There are other important differences for sole traders though, such as the love type and amount of National Insurance you have to pay.
If you set up a limited company, then all the on southey's of the pilgrim's money that comes into the company belongs to essays peace love the company, not to delft thesis you. Essays. To get it out, you can pay yourself a salary, which requires you to register with HMRC as an employer, even if you#8217;re the only person working in the business. You also need to use an HMRC-approved payroll programme to run your payroll. Can A College Essay Be Too. You can also take money out as dividends, from your post-tax profits. The best thing is to do both, as the peace salary allows you to use up your personal tax allowance and the dividends prevent you having to take it all out effects essay as salary, which incurs both employer#8217;s and employee#8217;s NI and becomes very expensive. There are other factors to consider in sole trader vs limited company. A company does give you more protection as it legally separates you from your work. It might also give you more credibility in the eyes of potential clients.
As far as VAT is concerned, if you#8217;re below the threshold for having to register then you also need to think about the clients you#8217;re serving. Essays. If they#8217;re mostly small businesses, charities etc who are not VAT registered themselves, then adding VAT is delft thesis going to increase the cost for essays peace love, them by 20% and that will make you less competitive. If you mostly work with VAT registered clients who can reclaim the VAT, then registering is very likely to save you money. Anyone looking to college essay be too do this should check out the Flat Rate scheme, which can save you even more. Finally, I#8217;d recommend getting a good bookkeeping/invoicing programme. I used spreadsheets for a couple of essays love, years and it gets very hard to keep track. I now use FreeAgent which is fantastic.
It also does VAT and be too long, payroll and automatically submits your returns to HMRC, which takes all the pain out of essays peace love, both those chores. Many thanks for your kind words and detailed comment Richard. Your advice is helpful. Thank you Tom. This is parenting effects great and really helpful. I#8217;ve bookmarked it and essays love, will return to it often. Thanks for sharing your wisdom!
Really good article for people thinking about becoming a freelance copywriter I wish I#8217;d been able to read this when I started out! I#8217;d disagree slightly with your point about a website being expensive, though. I pay ?6/yr for domain name hosting and ?36/yr for methodology, a website builder package, and using the website builder#8217;s templates has given me a professional-looking site that#8217;s earned me a lot of new business. Essays Peace. Wow, this is macaulay's on southey's edition progress super in-depth. Peace Love. Excellent stuff! Am sharing with my readers #128578; Excellent post. I wish I#8217;d found you and your blog posts much sooner. This is one of the best posts I#8217;ve read on can a college becoming a freelance copywriter. I just tweeted it to my followers.
Thanks for the write up Tom #128578; Thank you for peace, this article Tom. Thinking. You are very generous with your advice and peace love, your blogs have really helped me over the past year. No problem! I#8217;m glad you find my stuff useful. Great post Tom, your comments on BNI were so apt! My ambition is to earn enough to research critically with science need to register for VAT! Have a good day, Suzy. Hi Suzy.
Glad you liked the post. Thank you, Mr. Tom. Although I#8217;m still student, it#8217;s really help me to essays peace prepare some plans. This is a really useful guide, Tom, that I#8217;m sure I#8217;ll keep coming back to. I#8217;m currently moving from the world of print journalism to copywriting, so your article is extremely helpful.
Feeling inspired and ready for action! Glad you liked it! Thank you so much for this article, Tom, it#8217;s extremely helpful. I#8217;m coming back into to critical copywriting in an area I#8217;m passionate about, Selp-Help and Wellbeing, and essays peace love, am currently renewing and methodology 2009, updating my skills, and peace love, launching my business (www.breathe-copywriting.co.uk). This information is extremely helpful and I know I#8217;ll be referring to it often. Thinking Psychological Study. Thanks again, Kelly. P.S. I see you#8217;re in Norwich I grew up there, and essays, still love it!
Thanks for the kind words Kelly and good luck with your return to copywriting. Hum 111. Fantastic! This is so useful and very interesting. Essays Peace Love. Thankyou. No problem Teri! I#8217;m glad you like it. amazing text, indeed. With Science Study. May I ask who are the essays love potential customers to start working with being a copywriter (i.e. where to find them) ? Thank you,
Excellent. Just what i needed when i needed it. Delft Thesis. Hi.I am searching for full-staff copywriter job opportunities, but every time I failed because of insufficient job experience.Now I have an love, idea to send my CV with an extra text on on southey's it in order to attract attention.So guys what would you suggest to me to peace love write in mail? I#8217;ve just downloaded mine (the eBook)! Thanks so very much Tom.
Reading through the table of macaulay's essay pilgrim's progress, contents, the book surely looks like exactly what I need to get back into freelance writing which I quit 3 years ago after poor results ( i was making less than $2000/year). Right now I#8217;m feeling like I should have met you earlier. Essays. You#8217;ll surely hear more from me! No problem at all! Glad you liked it, and best of luck. Thanks Tom, I am currently evaluating new career options and delft thesis, this is one that I am investigating. Essays Love. Very useful information and will be referring to the embedded links over the coming days. Also very useful links to the free ebooks which will be on my reading list.
Hi Mary. Thanks for your kind words. I#8217;m glad you liked the post. Branding (38) Christmas (7) Content marketing (4) Copywriting (102) Copywriting reviews (51) Digital and social (52) Free copywriting ebooks (2) Freelancing (32) Fun (29) Graphics and infographics (8) Guest posts (5) Music (7) Persuasion (7) Plain English Patrol (4) Popular (22) SEO (19) Storytelling (12) Tone of voice (41) Uncategorised (11) ABC Copywriting, 100 George Borrow Road, Norwich, Norfolk, NR4 7HU, UK.
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Discuss the reasons for the existence of banks. In the love first section of this essay I will outline some hypothetical situations to show how the Intermediary role of banks came to fruition and why they were needed. If we imagine an economy without money barter would be the only means of exchange. To convert endowments of goods and labour into effects, a preferred package is an arduous task. Essays Peace? Then there would have been a development into a form of commodity money.
For example, gold or silver. Due to delft thesis, costs of holding, adding to and maintenance we see the evolution of paper money. Exchange can now take place at different times between parties. When paper money is introduced we see the essays love deadlock between savings and investment break. People couldn't invest beyond their current savings because there wasn't any borrowing system. Money allows savings to occur through accumulation of balances and investment by 2009 depleting previous money balances. Peace? The ultimate borrower can issue 'primary securities'. Macaulay's Essay On Southey's Of The Pilgrim's? These can then be purchased directly by the ultimate lenders. Essays Peace Love? This can occur either face to face, or can be provided in markets by other financial firms. In our previous model we saw that financial assets held promised to deliver gain at some point in the future. Macaulay's Essay Pilgrim's? The value of the promise would depend on the person making the promise, and the expectations of how the future events could influence the value of the promise.
There are also preferred habits of borrowers and lenders. It is likely the lender will want short-term returns, and it is likely that the borrower will only anticipate long-term returns to pay off the loan. Therefore there is essays, a need for common ground and in delft thesis, the previous system this would have incurred search and/or transaction costs, which were involved in essays peace, meeting/obtaining information on delft thesis the other party. Love? This meant these costs directly translated into the interest rate on the loan, thus reducing the number of mutually acceptable contracts. The ex ante problem will also occur in this model.
There is imperfect information so lenders can't assess what the delft thesis future prospects of peace love, a borrower could be. Barriers Thinking Hum 111? It is also likely that a borrower will be over peace love optimistic about the future so as to procure the loan. This can then result in the adverse selection due to the asymmetry of information problem. Then an ex post cost occurs when monitoring the research methods thinking critically with psychological guide borrowers actions to make sure that they are in accordance with the contract. Moral hazard means that the borrower has no ability to enforce control over the borrower with regard to their behaviour. If the borrower can't keep to essays peace, an initial agreement then there are further costs associated with lender and borrower having to methods, arrange a different agreement.
Banks differ from other types of peace, financial firms. They are differentiated because they provide deposit and loan products. The deposit products will pay out money on demand or after notice. Banks are in the managing liabilities business and by doing this they have the ability to lend out money to create bank assets. Delft Thesis? You could also argue however that banks were in essays peace love, the managing assets business. Assets are provided by deposits or other liabilities. This project from coursework.info. Banks can eliminate a large proportion of the costs that I have mentioned above.
Banks act as intermediaries. They fulfill this function by allowing lenders (depositors) to offer loans with lower information costs than if they found a potential borrower individually. This means that lenders will seek out barriers to critical thinking hum 111 banks because of reduced costs. Borrowers will also do this if the search costs and enforcement costs (possibly) are lower than finding an individual. This is done by utilising economies of scope. The individual cannot do this. These economies exist when two or more products can be jointly produced at a lower cost than if the same products are produced individually. The bank can pool a portfolio of its assets, which have the essays peace same expected return, but a lower default risk than if the individuals had tried to lend funds directly.
If the markets utilize information search in this field they suffer from the 'free rider problem'. Other market participants, competitors could mimic the lending decisions without the expense of performing the individual assessments. Thinking Hum 111? An example of this would be a bonds market. If one company carries out information search and as a result buys certain bonds then others can mimic their behaviour and benefit. Banks differ from other financial firms because they make non-traded loans, so they have privileged access to information when making a lending decision. They develop expertise in information production as they have access to transaction accounts of essays love, potential borrowers. No one else can benefit from this information. It is used internally to boost their loan portfolio. The ex ante problem is removed. This means that banks are better at solving the adverse selection problem than market competitors. Banks can introduce loan contracts to research thinking critically, increase their chances of the loan being repaid.
This could be in the form of collateral if the loan defaults which reduces the adverse selection problem. The bank contract may also contain restrictive covenants, which restricts the borrower's activities. This further reduces the problems of ex post and moral hazard. These covenants and contracts allow banks to essays peace, do the monitoring and can a college long enforcing costs at a fraction of what it would cost an individual because they carry it out for so many people. They once again benefit from economies of scope.
If a market firm did this we would see the emergence of the peace 'free rider' problem again as in the securities example I sited earlier. Firms are not going to put in large amounts of resources for others to obtain the delft thesis benefits. Banks also diversify risk by lending to different types of borrowers, and this gives greater independence of loan risk. They also hold enough capital at any one time to cover any unexpected losses. Essays Love? This allows them to fulfill their risk transformation role effectively. Banks also solve the problem of liquidity preferences.
They can transform illiquid assets into liquid liabilities. Businesses will typically want to repay a loan in line with their investment, and this may not be realised for pilgrim's progress several years. When a saver lends money they are giving up present consumption for future consumption. If banks can pool a large number of peace love, savers and borrowers both parties are going to be satisfied, because the bank has the necessary liquidity to cater for both. If a bank can offer liquidity at a lower cost than it would be in delft thesis, its absence borrowers and lenders will come to the bank for its liquidity services.
Market firms are unlikely to be able to compete with banks here because they will not have a financial pool large enough to reduce interest rates for borrowers below the banks rates. Another factor that can reduce moral hazard is the ability of banks to carry out fractional reserve lending. It lends out surplus funds at essays peace love a higher rate of interest than it pays to parenting, its account holders. This means that bank intermediation and essays peace payments services are inextricably linked. The money can then be leant out because more savers will hold their accounts in surplus than not, because there is no point in macaulay's edition of the pilgrim's progress, just holding an account to cover payments costs as it is not financially viable.
This means that customer only essays want a fraction of their deposits at any one time. The maturity transformation problem is solved. Once again the banks can increase their economies of scope through this extra lending. Macaulay's Essay Edition Of The Progress? This means the unit cost of essays peace love, lending falls even more and barriers to critical hum 111 banks can attract more customers.coff ffr seffffw orff ffk inff foff ff. Potential borrowers are also more likely to hold accounts at a bank if they think it is love, less likely that they will be credit rationed upon requesting a loan. If a company goes to a bank for a loan it also proves their credit worthiness, which may allow that company to get cheaper sources of funds from other sources. Quite simply if a firm is given a bank loan it acts as a signal that the company will stay in business. This all reduces search and transaction costs due to methods thinking critically psychological science study guide, increasing the pool.
This also relies on the reputation that banks have for assessing risk. Other financial firms in essays peace love, a market are unlikely to have this kind of reputation, as their search costs will be reduced by the 'free rider' problem. I will now refer to to critical hum 111, the diamond model (Financial Intermediation as Delegated Monitoring: A Simple Example-Douglas W Diamond). Diamond observes that diversification in a financial intermediary allows delegated monitoring to essays peace love, function by essay of the pilgrim's progress reducing the cost of love, liquidation and therefore giving the banks an incentive to barriers, repay small investors. Peace? Diversification means that banks can offer low cost delegated monitoring. Be Too? The law of numbers would mean that as a banks independent loan portfolio becomes more diverse then the peace chance of it defaulting on its deposits gets arbitrarily close to zero. This also means that the control costs to monitor also approach zero. Research Paper? The right to liquidate on default of a loan gives any lender an advantage over the borrower. The power is limited by the borrowers ability to repay the debt and therefore remove the essays liquidation rights of the lender if the methodology paper 2009 lender cannot monitor the business of the essays peace love borrower then it is in research methodology 2009, the lenders interests to liquidate whenever there is default regardless of the cause.
If the lender can monitor then it is in their interests to take a small concession from the borrower and can thus provide power over love the lender without using inefficient liquidation. Banks can centralise monitoring costs, and to critical this means they can eliminate the costly duplication of peace, effort, which is problematic in the monitoring of borrowers by small investors. Parenting On Children? They monitor loan contracts and issue unmonitored debt in essays, the form of deposit contracts. To see the benefits of monitoring we can set up a simple model. We use 'K' as the cost of monitoring, and 'S' as the savings from monitoring. If there are multiple lenders, then either each must be able to monitor additional information directly, which would incur a cost of m*k where m represents the number of lenders per barriers to critical thinking hum 111 borrower or the monitoring must be delegated to peace, someone.
We now find ourselves in research methodology paper 2009, a situation where the monitoring causes the private information problems. Essays Peace? The person doing the monitoring has private information. Research Methods Psychological Science Guide? This could lead to delegating costs. Let D represent the delegation costs per borrower. Therefore a complete financial intermediary theory based on contracting cost of borrowing will model the delegation costs and show why intermediation will lead to a better offer of love, contracts. K+D =min[S,m*K]. K+D represents the cost of delft thesis, using an intermediary, S shows the cost without any monitoring and m*K is the cost of essays love, direct monitoring. There is no incentive for a banker to monitor if all loans pay in full or if all loans default. The increase in the banker's returns come from increasing the return when just one loan defaults. Monitoring must increase the bank's expected payment by macaulay's of the pilgrim's a certain percentage to make it profitable. If a loan that is monitored defaults and the other one does not (in a simple two loan situation) then the banker will receive an ex post increase return because of essays peace, monitoring.
In the simple two-loan banking situation the paper banker needs to make a small profit in excess of the cost of monitoring. Due to essays love, limited liability and limited wealth the banker will never make deposit payments in excess of on children, loan repayments. This project from coursework.info. The traditional role of banks as already outlined is that of an intermediary which offers payment functions. Will these products decline due to new financial instruments and technology?
Non-banking firms can now purchase off sheet balance products and love securitisation services. The most important question is whether the new technology will let the delft thesis global risk-pooling role played by the banks be taken over by individuals? This could only be possible if agents can organise loans, deposits and payment facilities amongst each other at a cheaper rate than the bank. This seems very unlikely. Even with very advanced technology, the time and cost of collecting the data to make the decision about where the best place for a deposit would be (pool with other depositors), or to try and find the most suitable loan or loans is likely to be too expensive. Love? However computer systems have reduced the methods critically with science study guide transaction cost advantage that banks hold.
Financial institutions can now evaluate credit risk through statistical programmes. A conflicting view of this was put out recently by David Birch (Director of Consult Hyperion) The very existence of banks as we know them is under threat. Love? Under threat perhaps, but I feel that they have already managed to stave off many dangers and methods thinking with psychological should continue to do so into the future. Essays? A counter quote exemplifies my position It is a healthy species capable of changing as the environment changes (Hugh Kingdon- Barclaycard). We have seen banks change quite significantly over the last five years. They have undergone threats from supermarket banks that have started to offer retailing banking services, other non bank firms are also doing this, such as insurance companies. This has meant that banks have lost some of their information and cost advantage.
We must understand that many large companies now finance borrowing directly from capital markets, rather than banks. Businesses have been financing long-term borrowing through bond markets and their short term borrowing from the commercial paper market more often than in the past. In the US commercial banks sourced 35% of funds to non-financial borrowers in 1974, this figure was down to 22% by barriers to critical hum 111 1995. Total non-financial commercial paper outstanding (as a percentage of essays love, commercial and industrial bank loans) rose from 5% in 1970 to above 20% in 1995, once again reducing a banks ability to diversify its pool of funds. However this has not eliminated intermediation, and is unlikely to in the near future. Banks are now involved in security market issues. They obtain fees through arranging and underwriting bond issues. They also undertake derivative transactions related to issues. Fees have been obtained through aiding mergers and acquisitions and banks have pursued off balance sheet activities, particularly in OTC (Over The Counter) derivatives. Parenting Effects On Children? There are fewer deposits being made with traditional banks and less business lending.
Banks have started to turn to more non-traditional activities to maintain themselves as financial intermediaries. This could lead to problems if banks start making loans with greater risk or deal in derivatives. Peace Love? However fee gathering through these types of activities will form a large part of parenting effects essay, banks income into peace, the future. Banks have grown in strength through out the Internet revolution. Many partnerships have been formed with other banks, suppliers, service providers and retailers. They have established trust and effects confidence over the years with their customers and have very high loyalty rates. This has maintained their informational advantage. Banks have so far carried themselves through the technology revolution well. They need to continue to adapt. To succeed in the future in love, this medium they will need to deliver consistent, dynamic services every day of the of the pilgrim's week. Mass marketing will become extinct, and they will have to rely on one to one marketing.
The Internet may be a very valuable method for achieving this target. Visit coursework ae in ae fo ae for ae more project ae Do ae not ae redistribute. Over the last few year's companies such as supermarkets, telephone banks have been able to set up due to relatively low entry and exit cost in the retail banking market. Supermarkets have already got a large branch network through their stores. Telephone banking companies have only costs of staffing and setting up call centres. Exit costs are minimal as for most companies retail banking is merely a sideline. These businesses now have access to the economies of essays love, scope that I mentioned earlier in the essay. They obtain these at relatively low fixed cost because they only methods with study guide focus on their core competencies, and can then subcontract out other aspects of the business to companies with inherent comparative advantage with regard to those skills. Aside from these firms entering the banking market we have also seen many of the larger U.K building societies becoming banks.
Halifax and essays love the Abbey National have already become banks and Nationwide is effects on children essay, continuing to ask its shareholders to vote on love its position. It is likely they too will follow eventually. They have moved into retail banking and methods thinking critically psychological guide expect to start to essays love, sell products such as insurance to the personal sector. It is likely we will see the banking sector becoming more heterogeneous. Thinking? The other firms mentioned above have diminished intermediation by essays peace love banks. Banks in can a be too, the UK and US are increasingly focusing on their core competencies. This allows them to develop a depth of knowledge about their customers that competition will not be able to match. New advantages will be obtained through in depth knowledge of their particular market, thus creating barriers to entry.
Banks products will become highly specialised to customer's needs, which will allow them to be ultra efficient. We see in America the 'Bank Of New York' now focuses on communications and the 'Nations Bank' focuses on energy. Peace Love? This will also allow them to keep low transactionary costs because they will be dealing with large numbers of research with psychological study, customers in specific markets. However there is essays peace, risk here. Whereas the traditional banks had a broad focus to reduce risk the newer systems will become more focused, potentially exposing them to can a college essay, risk. For example the essays love 'Bank Of New York' will be lending primarily to communications companies.
If there is a fall in the value of this sector or there is large default on loans (presently companies such as CISCO Systems are in financial difficulty) the thinking with science study guide 'Bank Of New York' could be at great risk due to a fall in liquidity. The risk pool mentioned earlier has diminished. Banks of the new age will have to sell their products well. They will need to be customer orientated. We have already seen this take effect with many personalised loans becoming commonplace in U.K banks. They will have to peace love, manage risk, current and delft thesis future through diversification. Risk assessment policy may have to evolve to take account of the peace increasing focus on core competencies. There is a huge need to develop people, and this will come about on children essay through strong/focused corporate culture, motivation, training, and retention. The workforces of peace love, banks in the future could well be the comparative advantage that one bank holds over another firm. This project from coursework.info.
Within this essay I have shown that banks came into existence because of a variety of factors, which prevented optimal lending and delft thesis borrowing. We have seen that banks offered a new opportunity to individuals to curb many of the costs associated with lending and borrowing. As such banks have provided a huge service, and I have also outlined how these original factors will continue to be of importance in the future to a new world of banking. It is however likely that in the next few years we will see new regulatory policy, which will allow banks to continue their role. This legislation must allow them to strengthen themselves competitively and essays peace expand. It must also guard against excessive risk taking. It is probable that banks will have to increase their holdings of capital. Delft Thesis? This will mean that there will be less risk of essays peace love, failure due to liquidity problems and less incentive to take risk. Moral hazard problems could be reduced by this method as well.
Banks will not become obsolete. The big banks around the world are vital. The whole banking system is critical to the stability of the worlds financial system, which cannot be allowed to collapse. Bibliography Visit coursework ff in ff fo ff for ff more cours ff Do ff not ff redistribute. · M.K Lewis K.T Davis, 'Domestic and thinking critically with science International Banking' · Shelagh Hefferman, 'Modern Banking in essays peace, Theory and Practise' · 'The Decline of Traditional Banking: Implications for Financial Stability and Regulatory Policy', New York Federal Reserve Bank, Economic Policy Review, July 1995, Volume 1, Number 2. · Buckle and delft thesis Thompson, 'UK Financial System' 1998. · D.Diamond 'Financial Intermediation as Delegated Monitoring: A Simple Example', Federal Reserve Bank of Richmond Economic Quarterly, Vol 82, No. 3, Summer 1996. · 'Banks Have no Future in Banking', Credit Control, 2000, Vol.21 Issue 5, p23. · 'The Future of Banking', America's Community Banker, Dec 1999, Vol. 8 Issue 12, p16.
· 'The World Wide Web is the essays Future of Banking', Computing Canada, 15/06/1998, Vol. 24 Issue 23, p4. · 'The Future of Banking', American Banker, 28/04/1997, Vol. 162 Issue 80, p5. · 'The Future of delft thesis, Banking: The strategies that won the game yesterday will win the game tomorrow', Consumer Interests Annual, 1996 Issue 42, p387. · 'The Future of Banking Supervision',Economic Commentary, 1/4/1996, p1. · 'Banks and Banking', Bankers Magazine, Mar/April; 1996, Vol. 179 Issue 2, p29.
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