L – T Finance Holdings net up 8% in first quarter: The Hindu Business Line – Mobile edition #finance #now

#l T Finance Holdings (LTFH) reported an eight per cent increase in consolidated net profit at ₹207 crore in the reporting quarter ended June 30, as against ₹192 crore in the year-ago period.

LTFH, which is promoted by promoted by Larsen Toubro, has seven wholly-owned subsidiaries — L T Finance, L T Infrastructure Finance Company, L T Investment Management, L T Capital Markets, L T Housing Finance, Family Credit Ltd, and L T FinCorp.

The financial holding company said consolidated net profit to shareholders (after considering dividend on preference shares on pro-rata basis) was up 21 per cent to ₹175 crore (₹145 crore in the year-ago quarter).

Overall loans and advances grew 17 per cent year-on-year to ₹57,736 crore ( ₹49,218 crore as on June 30, 2015).

“This growth was led by disbursements in housing finance, operational projects in renewable energy, microfinance and two-wheeler finance,” said LTFH in a statement.

As per regulatory requirements, LTFH has started recognising non-performing assets (NPAs) at 120 days of delinquency.

Gross NPAs reduced from 5.45 per cent as on June 30, 2015, to 4.58 per cent of book at the end of the current quarter. Net NPAs reduced from 4.43 per cent to 3.13 per cent.

In the investment management business, average assets under management for the quarter grew 28 per cent y-o-y to ₹28,404 crore.

Meanwhile, the company said Dinanath Dubhashi has been elevated as Managing Director. Earlier, he was Deputy Managing Director.

Postgraduate courses – Australian Catholic University (ACU) – ACU (Australian Catholic University) #on #line #doctorates


Study postgraduate

Postgraduate study provides the opportunity to further your career, change career direction, pursue a passion for a particular subject, enter a profession that needs specific qualifications, gain a clear insight into industry and create invaluable contacts.

Postgraduate courses are for students who have completed a Bachelor’s degree or have significant work experience.

Changes to Masters Programs

The Australian Qualifications Framework (AQF) was revised in 2013 to ensure that qualifications offered by Australian institutions:

  • Remain relevant and nationally consistent
  • Continue to support flexible qualifications, linkages and pathways
  • Enable national and international portability and comparability of qualifications

The revised framework will be effective from 2015. This will have an impact on the duration of some master’s level degree programs at ACU.

ACU International will contact impacted applicants for intakes from February 2015 as soon as the faculties advise changes. The changes do not impact those commencing in July 2014.

Find a list of postgraduate courses available to international students.

Please note: If you wish to apply for a Research or Professional Doctorate degree, please refer to the Study Research page.

How to apply

Entry requirements

For admission to an ACU postgraduate degree, you must hold the equivalent of an Australian Bachelor’s degree with a pass average. Individual courses may have specific requirements.

If your English is not sufficient to gain entry into your preferred course, you can study an English language course to prepare for future study at ACU.

Prepare your documents

Gather certified copies of the documents required for your application:

  • your passport
  • transcripts and completion certificates of all your academic qualifications
  • evidence of your English proficiency
  • additional supporting documents such as evidence of relevant work experience, professional registration and reference letters, that are relevant to your course

Check the application deadline

Some courses have limited places, so check the application deadline .

Lodge your application

Make your application to ACU via any of the following methods:

An application fee of AUD $110 will be charged if you apply online without the assistance of an authorised education agent .

PNB Housing Finance net up 66% in FY’16: The Hindu Business Line – Mobile edition #online #finance

#pnb housing finance


Updated: May 13, 2016 19:28 IST | K. R. Srivats

PNB Housing Finance Ltd (PNBHFL) has reported a 66 percent increase in net profit for the year ended March 2016 at Rs 326 crore (Rs 196 crore). Total income for the year grew 52 per cent to Rs 2,697 crore.

Commenting on the financial performance, Sanjaya Gupta, Managing Director, PNBHFL said that the results are encouraging and at “par with our expectations”.

“Financial year 2015-16 has been a year of high significance as we attained the status of one of the leading housing finance companies surpassing assets under management of Rs 27,000 crore”, Gupta said in a statement here.

Net interest margin for the year ended March 31, 2016 stood at 3.08% as against 3.21% in the previous year.

PNBHFL is a subsidiary of Punjab National Bank. Quality Holding Investments (owned by Carlyle Group) is the other significant shareholder in PNBHFL.

Customer Service Jobs Servicing Calls for AT – T, Disney, Carnival Cruise Line, Sears – Many More #work #from, #part #time, #full #time, #customer #service, #csr, #job, #employments, #www.jointheworkforce.com, #leipeinandmodus.com, #work, #employment, #jobs, #part #time #jobs, #full #time #jobs, #work #at #home, #seattle, #divorce, #child #support, #family #law, #call #center, #server, #waitress, #seattle, #utah, #nevada, #cruise #line, #carnival, #at #t, #aaa, #new #mexico, #unemployment, #employment, #single #mother, #legitimate, #georgia, #florida, #texas, #tennessee, #ohio, #michigan, #detroit, #atlanta, #chicago, #illinois, #minnesota, #retired, #aarp, #disabled #worker, #student, #university, #college, #senior #citizen, #income, #mother, #mom, #women, #oprah, #children, #bus, #transportation, #section #8, #disability, #girls, #starbucks, #masters #degree, #mba, #undergraduate, #apartment, #retail, #cell #phone, #hostess, #sales, #arizona, #new #mexico, #colorado, #montana, #wyoming, #idaho, #south #dakota, #north #dakota, #wisconsin, #iowa, #illinois, #nebraska, #kansas, #oklahoma, #texas, #louisiana, #arkansas, #missouri, #mississippi, #alabama, #south #carolina, #north #carolina, #kentucky, #indiana, #virginia, #west #virginia, #pennsylvania, #new #hampshire, #maine, #deleware, #washington #dc, #dc, #new #jersey, #vermont, #new #orleans, #richmond, #raleigh, #columbia, #miami, #nashville, #houston, #dallas, #oklahoma #city, #nba, #nfl, #mlb, #sports, #betting, #gambling, #christian, #church, #religion, #family, #catholic, #baptist, #seasonal, #ncaa, #referee, #official, #arise, #turbo #tax, #h #r #block, #carnival #cruise #line, #norwegian, #travel, #marketing, #advertising, #contract, #


S. Johnston (Retired):
I heard about this company from a fellow retired friend and I am glad I decided to work here. I started off skeptical working part time from home and now I work part time or full time when I feel the need. Leipein Modus delivered on every promise and the flexibility is awesome. Great Company!

A. Towne (College Student): As a college student I need a career with flexible hours and this organization is TOP NOTCH! I am able to go to school full time and make extra money each month to help ease my financial burden. My parents are happy I stopped calling for money and I am a proud independent contractor with Leipein Modus.

K.Williams (Single Mother): Working my full time job and being a single parent is very difficult. At times it was hard to meet financial obligations and spend quality time with my children. I needed a part time job and my co-worker suggested Leipein Modus. I was skeptical at first to work with an at-home company but thinking of working part time as a waitress away from my children at night was more scary, so I decided to move forward.This is the best decision I could of made for a work-life balance. I spend more time with my children and make enough money to exceed my monthly obligations. Thank you to the leadership at Leipein Modus.

G. Brown (Disabled): Being a disabled worker, I search for careers that have working conditions beneficial to my disability. I am a highly intelligent disabled senior worker and move around in a wheelchair each day. A disabled friend from my support group recommended Leipein Modus as an option to work from home. I am glad I did and now my working conditions are ideal, working from my home and I could not be happier. Thank You Leipein Modus for creating a company that has options for all workers.

What Will You Do Each Day?
You will take incoming customer service calls for Fortune 500 companies to resolve customer concerns from home. You set your own work hours/days each week. Hours are available 24/7 – 365 days annually.

This is the Perfect part-time or full-time career. Apply Now!

Fortune 500 Industries You Will Service:

  • Nation’s Largest Cell Phone Billing/Technical Support/Chat Providers
  • Most Recognized Cruise Lines
  • Automotive Roadside Assistance
  • Global Consumer Retail Chains
  • Energy Companies
  • Leading Tax Preparation Companies Many Many More!

Requirements to Join Our Team:

  1. Must be 18 years or older
  2. Pass a Criminal Background Check
  3. Eligible to Work in the United States
  4. Must have Windows 10,8,7, XP, 2000 or Mac OSX Operating System
  5. Internet Access
  6. Telephone line: Analog or VOIP phones are fine such as Vonage etc.
  7. Work a minimum of 20 hours each week from home with 3-5 hours of the 20 hours worked on Saturday or Sunday
  8. Headset with a Microphone for your computer
  9. Successfully Complete the Online Training Certification Program

Home Equity Line of Credit – Equity Financing #home #equity #loan, #home #equity #line #of #credit, #heloc, #equity #financing


Home Equity Line of Credit

Home Equity Line of Credit

Get the funds you need, when and where you need them

Change is a fact of life. So it’s good to know you can manage it. Whether you’re making home improvements, paying down high interest debt, financing large purchases such as a car or tuition expenses, or even “going green,” you can utilize your home’s equity to get the funds you need.

Need a line of credit with some flexibility? With a Union Bank FlexEquity ®. you choose your plan.

Our Union Bank ® FlexEquity ® variable APR home equity line of credit offers you:

  • Low interest rates: Our interest rates are typically lower than most credit cards or consumer loans, and interest may be tax-deductible. Consult your tax advisor.
  • Low fees: Our FlexEquity home equity line of credit’s fees are low to open—and use—your line.

Benefits of a home equity line of credit: Convenience.

  • Ongoing and convenient access to funds so you can decide when to draw, how much to use, and the payment option that suits you best as financial needs arise
  • Transfer funds to your checking account via online banking, by visiting a branch or writing checks for as little as $500
  • Ability to spend up to your limit, pay down the balance then use the line again as needed during your draw period

No matter which plan you choose, you’ll have options.

We have options that will allow you to access the available equity in your rental, vacation property, or second home as well, so if you’re in the market for a line of credit, talk to us first.

Use our rate and payment calculator to get estimated payments and rates for a home equity line of credit.

Call 1-866-UBLOANS, visit a branch, or fill out our online form today.


Loans subject to credit and collateral approval. Minimum credit score requirements apply. Financing available for collateral located in California, Oregon, or Washington. Fees and restrictions may apply. Terms and conditions subject to change. Your property must be an owner-occupied residence or second/vacation home. Property insurance is required. For more information about product features, rates, or opening an account, visit a branch or call 1-866-UBLOANS.

Best Multi Line Phone Systems – Reviews – Prices #office #phone #systems #multi #line


In this article we cover the basics followed by the most populer models for you to choose from for your business:

A multi-line phone system can be easily personalised to suit the needs of your business, operating as an integral part of the company. Whether you need multiple telephone lines directed to one phone, one phone to multiple lines that you can personalise so it works for you, or even having a personalised message playing to customers while they are waiting, you can turn your system into a powerful sales tool.

There are two main types of phone systems you can choose from – traditional touch key systems and Private Branch Exchange or more commonly known as PBX. With both you have the option to incorporate VOIP calls, turning them into a hybrid system, reducing call costs for long distance calling. If you are looking for a hybrid system, look for “IP ready” in the description which means they can run on VOIP.

Touch Key Systems

These are the more basic models used mainly by smaller companies as they can only offer one telephone number and can only be used in one office. Just by pushing a button, the user can select incoming or outgoing calls and transfer calls to other users in the same office. A touch key system itself does not offer extension numbers. However, additional features are available such as music on hold, conference calls and call waiting.

Private Branch Exchange

PBX or Private Branch Exchange are used in larger companies and have the added advantages of offering more than one phone number, use in more than one location and allow extension numbers and telephone numbers for each employee. Calls can initially be processed without taking up a line but you need to dial a single digit in order to reach an outside line. Generally, PBX systems are more expensive but are the popular choice because of their versatility.

If the system is hybrid it means you can choose between traditional analogue lines or VOIP, this allows you to choose the cheapest option for call lowering phone bills, for example, local calls this the regular phone line and long distance via VOIP.

A multiline phone system has the features and functions of a regular phone system with some added benefits. For example, caller ID, call waiting and even conference calling are some features that come as standard in many multiline phone packages. Other features include call forwarding and transfers, personalised voicemail for each of your lines, etc. You can also have support for your receptionist so they can answer multiple lines from their desk. Your clients can easily call different departments, specific individuals or your main office.

A rollover, popular in call centres allows you to use a multiline phone device but only publish one line or one number in phone directories and other marketing/contact materials that you have. Your clients can call one phone number but the line does not get congested because the system will use multiple lines in ascending order when the first line is busy. You can put customers on hold or transfer calls. You can also have multiple employees answer calls.

Top systems available in the market:

Suits 2-20 Employess

This system is one of the most popular on the market due to its ease of installation, top available functions and choice of colours.

Connects to up to 6 phone lines and includes great phone features such as automatic call forwarding, voice mail, automated receptionist, conference calls, caller ID. This system works with ordinary analogue phone lines so you will need a multi-line business phone service.

BT Versatility 2-line Analogue Telephone System with 1 x V8 Handset / V16 Handset

Suits 4-40 Employees

A very popular system due to ease of expansion, low starting cost and hybrid functionality. The flexibility of this system makes it a great all-rounder for small businesses.

Start up packages include 2 analogue lines and 4 handsets. With small ad-ons this phone system grows with you to the top capacity of 16 lines (if you switch to digital) and 40 handset extensions.

Orchid Analogue PABX 308+ Multiline Phone System

The Orchid PABX308+ is a great value for money for any small business. It is easy to install with a wide range of features although it might not offer the flexibility of the other multi- line systems. It supports 3 lines and 8 handsets. You need to dial 9 for a line or direct access.

A useful feature is Least Cost Routing which allows you program a provider’s Prefix so that it is automatically inserted for every call, saving you both time and money.

You can set the PBX to call over a BT line and set another digit for IP calls offering the ultimate hybrid versatility. The BT line could be on line 1 and the IP Gateway can be on line 2. This ensures your business can get maximum call cost savings.

The NEC SV8100 is a good choice feature-rich system for medium sized companies. Offering good looking phones and an impressive touchscreen display, it is an easily scalable system growing with the changing needs of your company.

Maximum capacity of 255 locations, up to 200 lines and 512 handsets per location. A hybrid system that is IP ready, easy integration of mobile phones and as you would expect from such a scalable system a wide range of features.

The Panasonic KXTES824E was created specifically for small to medium businesses. It provides many features that are rarely available for products like this in the market. For example, it has Caller Line Identification and an optional voice processing integration. These two feature increase efficiency and improves productivity. You can expand it easily. Auto Attendant is also available. It can handle up to 8 lines and 24 extensions.

Built-in USB Port for PC programming

This system comes configured to 3 exchange lines and 8 extensions however offers easy expansion with additional cards.

You can record greeting messages to direct the callers to the appropriate department.

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Manappuram Finance fiscal net profit up 30%: The Hindu Business Line – Mobile edition #pcp #car #finance

#manappuram finance


Manappuram Finance Ltd has posted a 30 per cent increase in its net profit at ₹353.36 crore in FY’16 compared with ₹271.31 crore reported in FY’15.

Operating income stood at ₹2,360.23 crore, higher by 18.8 per cent, in comparison with ₹1,986.42 crore recorded in the previous fiscal.

An interim dividend of ₹0.45 per share for the quarter was earlier declared in March this year. Accordingly, the board has not proposed any further dividend. Total dividend for the year amounted to ₹1.80 per share.

V P Nandakumar, Managing Director CEO, said, “Wth this performance, we can say with conviction that we are back on the growth path. Our new businesses have done well and we look forward with optimism to the prospect of becoming a diversified NBFC.”

The company’s consolidated assets under management also rose to ₹ 11,433 crore from ₹9,593 crore recorded in the previous fiscal year.

The recent diversification into new business areas has gained further traction with new businesses now contributing about 12 per cent of its consolidated AUM. Microfinance subsidiary, Asirvad Microfinance Pvt Ltd, had ended the year with an AUM of ₹998.82 crore, representing a growth of 210 per cent over ₹322 crore.

Commercial vehicle loans and mortgage-based finance (housing loans and loans against property) have contributed ₹302.52 crore to the total AUM. Their contribution in the preceding fiscal year was ₹44.80 crore.

Multi-car Insurance – Insure More Than One Car and Save – Direct Line #on #line #car #insurance #quote


Multi-car insurance discount

What’s multi-car insurance discount?

If you’ve got more than one car to insure at the same address, you could save yourself some money on every additional policy you take out with us.

Think of it as a multi-policy discount. The more policies you take out with us, the more discount you’ll get.

Introductory discount – Discounts are subject to a minimum premium. Online you can buy a maximum of 4 car policies per household, and over the phone 10 cars per household.

What are the benefits of multi-car insurance discount?

Here are some of the benefits of keeping you policies separate, instead of combining them into one policy like standard multi-car insurance:

  • No Claim Discount (NCD): This will not have an impact on other vehicles in the household. So if one of you has an accident or makes a claim on one car, the NCD on the other vehicles won’t be affected.
  • Renewal date preserved: Every car you insure has its own policy start date and renewal date, so there’s no need to worry about the expense of them all being renewed at the same time.
  • View your discounts before purchasing: By adding one car at a time to your policy, you can keep an eye on the money you’ll be saving before purchasing.
  • Register online: All policyholders can register their account and view their documents online.

How do you get your multi-car insurance discount?

To save money on your insurance, start by getting a single quote. Then get quotes on any other cars registered at the same address.

Already a customer?

If you already have a car insured with Direct Line, you can get a multi-car discount on any other vehicles registered to the same address. Just add your policy details when prompted.

New customer?

Start your multi-car discount journey by getting a quote for your first car. Then just add the others one at a time to see the discounts.

What our customers think

We’re proud of our customer reviews and 5 star Defaqto rating for car insurance.

Defaqto is an independent researcher of financial products

1999-2017 U K Insurance Limited

Direct Line general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk .

Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won t get anything back. This isn t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

Secured or Unsecured Business Line of Credit, TD Canada Trust, small business unsecured line of credit.#Small #business #unsecured #line #of #credit


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Markets & Research

As a TD Direct Investing client, you can make informed and confident investment decisions with our industry leading Markets and Research centre.

Small business unsecured line of credit Research

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Small business unsecured line of credit

A smart way to manage your cash flow

Access the funds you need, when you need them

A Business Line of Credit 1 can be a valuable tool to help finance your day-to-day operating costs and grow your business.

  • Available as an unsecured line of credit 2 in amounts from $10,000 to $50,000
  • Also available as an asset secured line of credit in amounts from $10,000 to $1,250,000. Flexible security options include: 3
    • Business real estate
    • Residential real estate (full or partial)
    • Liquid or margin security (full or partial)
    • Business assets
  • Attached to your Business Chequing Account or U.S. Dollar Business Chequing Account
  • Convenient access via cheque, cash advance, the Green Machine or any automated banking machine (ATM), Easyline Telephone Banking Service or EasyWeb Internet Banking Service
  • Competitive floating interest rates based on TD Prime Rate or TD U.S. Prime Rate
  • Pay interest only on the amount you borrow
  • A monthly fee of $25
  • Set-up and Review Fees may apply

Protection for your Business Credit

Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Get the coverage your business needs.

TD Aeroplan Visa* Business Card

Earn Aeroplan Miles faster and start travelling sooner. Plus receive a Welcome Bonus of 20,000 Aeroplan Miles.

Ways To Apply

Or, to begin an application, call our Small Business Advice Centre at 1-866-222-3456

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1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply.

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The old line state, the old line state.#The #old #line #state


the old line state

Calling 811 is for everyone! Learn more about how you can get involved in promoting safe digging.

The old line state

Event Calendar

Looking for ways to get involved with 811 in your community? Check out our Event Calendar to see what’s coming up.

The old line state

Promotional Materials

Help spread the word about 811 with our tools, logos and more!

The old line state

811 Kids

Kids love learning about 811 too! Find out more about our Youth Community Service Awards and educate future excavators with our videos and curriculum materials.

Did You Know?

Digging without knowing the approximate location of underground utilities can result in damage to gas, electric, communications, water and sewer lines, which can lead to service disruptions, serious injuries and costly repairs.

The old line state

Call Before You Dig!

An underground utility line is damaged once every six minutes nationwide because someone decided to dig without first calling 811.

The old line state

Reduce the Risk of Damage

There are more than 20 million miles of underground utilities in the United States, according to data compiled by CGA from various industry groups. That figure equates to more than one football field’s length (105 yards) of buried utilities for every man, woman and child in the U.S.

The old line state

Don t Be a Statistic

Approximately 38.6 million people will dig this year without first having underground utility lines marked.

The old line state

Buried utilities are everywhere

There are more than 20 million miles of underground utilities in the United States.

That figure equates to more than one football field’s length (105 yards) of buried utilities for every man, woman and child in the United States.

To know what’s below, always call 811 before digging!