Save Money and Build Your Dream Home

When the idea of a dream home is there, glowing brightly inside your head, it can be impossible to shake it out. No listing you look at will be quite right and no open home will be nearly as good as what you can see in your mind. Unfortunately, with the cost of building in addition to rising property prices, many people decide against building their own home to settle for something that seems “good enough”.

If you have the drive and the passion to start a home building project and see it through till the end, it doesn’t have to be as expensive as everybody says. By following a few tips, watching your budget and with a lot of planning, you can drive the cost of your own home build down quite a lot.

Design your own house plans

Unless you have the skills to come up with a professional draft yourself, you’re going to have to talk to an architect at some point. However, this doesn’t mean you can’t do a lot of the work yourself. Collate all your ideas and plans, organise them by room and find out all the associated costs that you can. Set yourself a budget that’s a fifth lower than what you can afford.

Plan as much as possible by yourself – if you have the ability to sketch out your ideas or design them using architecture software then do so. Anything that you can take with you to make it easier for the architect will save you time spent with them and money spent on them.

Follow your budget

One of the hardest parts of any build is following the budget. You’re always going to find extra ways to spend and new expenses are almost guaranteed to show up, especially when things get started. Cutting down an extra 10 – 15% after you’ve budgeted is the perfect way to prepare for the unexpected. Knowing what you can afford means better knowing what to say no to, but it will allow you to say yes a lot more often.

Find alternatives to save

Doing things a little differently is one of the easiest ways to save during a build. Look for alternative and recycled materials to use; visit demolition yards and enquire with companies that reclaim things like doors, floors and fittings. Using refurbished materials is one of the easiest ways to save.

Instead of hiring painters and movers to transport appliances or materials, figure out what you can do yourself and do it. Labour costs are one of the biggest expenses that you’ll face – minimizing them will have a huge impact on the final cost of your build.

It’s a big expense, but the results are worth it. Design your own home and create the ultimate place to come back to each day after work.

Generation Homes has a 14 week home building process when you build a house in New Zealand, including designing your own house plans and the build stages.

Insurance Agency Katy TX Needs Blogging To Grow

The right insurer agents can bring a bigger difference when it comes to the coverage. Though many people prefer to talk about what the Clint gets from the service providers, on their part they need to develop plans that help them improve. The insurance agency Katy TX must use several resources that help them get many clients signing up for their services. One thing they can do is to do blogging.

A blogger working for these agencies bring many benefits. A properly written piece increase internet traffic. To have many clients purchasing the needed policies, they have to come up with blogs giving out the information needed to the clients. With many visitors, you earn from the traffic. Those visiting can decide to buy, thus making you get profit.

Another thing you get as an insurance blogger is the fact that the traffic is converted into leads. If you have quality in your site, the visitor coming will be convinced that you have something better to offer. With a call to action section in your blogs, the visitors can be turned into a client. People will sign because they know that you offer something good.

For a client to believe and remain loyal on what you are doing, it is important that you show some form of credibility. The company can demonstrate how professional they have become when they give out the timely and topical contents. Developing content considered high quality will help to provide answers to what the potential customers want to know. It includes questions such as the services and charges they offer. Creating content for your pages shows how credible you become.

In addition, it is always good to use insurance search engine optimization to get the benefits. For someone trying to search for new information, they improve on their searches. When someone wants to get the information, pages ranking at the top of search engine are shown. If you have blogged for many years on the topics you love, it is possible that many people will visit your page.

The publications done can help you choose one thing over the other. For example, many people will only consider using the company services if they know what your potential stands. The blogs created give the latest information, the services and packages. In this regard, you will not be forced to spend hundreds of dollars trying to advertise your business.

It is also from this that you get to know the charges for each policy offered. You can visit different pages to compare the rates needed for the coverage. You will know the minimum amount to pay and if they give discounts. Whenever you start searching for a service provider, it is important that you do comparisons to everything.

Visit several websites and read reviews made. It is also from here that you come across the contact information. In case, you have questions that need attention, you will use the information you get there to ask for queries. Do not hesitate to ask any bothering query in mind.

You can visit www.hisot.com for more helpful information about Blogs For Insurance Agency Katy TX.

How To Select The Best Real Estate Brokers

Numerous people are wanting to own homes. This way, they could do things that they want to do with their properties without any one telling them about what is prohibited and what is allowed. They could be decorating these dwellings using their own styles. If they have enough finances already to afford major purchases, they would surely want to see to it that they will not be wasting their money.

If an individual will be buying a property for the first time, he should be consulting the expertise of a real estate Prescott AZ broker in this venture. On the contrary, the following pointers will also be helping him in choosing the right one who will be right for this task.

The clients should ask for referrals from people whose opinions they can trust so that they can start their search for these professionals. They can also visit open houses where they can meet a lot of agents in action. This way, they can gather plenty of options. The clients will need to collect the calling cards of these professionals so that they can contact them whenever they are ready.

He should also be checking on the license which the agent is possessing. The license will enable him in conducting his operations legally. He could be obtaining a license after getting a certification from the appropriate authorities of the government.

It will be good if they will go with those practitioners who have a lot of experiences already in the field. This way, they already know how to go about their jobs. They know the steps on how to complete sales transactions as well as the necessary legal actions they need to do to complete them. These experiences will also build their reputations with the careers that that they have chosen.

The individuals must also ensure that the knowledge and skills needed to get the tasks performed are also possessed by the practitioners. Even if they are not experienced yet, they will be assisted by their knowledge and skills. Seminars are usually attended and trainings undergone on how these houses can be successfully sold.

He should also be considering the associated professional fees that he should paying for the service. The fees might differ depending on a number of factors. He should be setting aside additional finances for the fees when he will be looking a house he will be potentially buying. However, he must not be solely relying on the fees when choosing an agent since the cheapest one might not be capable of providing him with the best service.

The clientele should also be looking for references from the representative. The references include his past clients. A reputable broker will never hesitate in giving references to an interested purchaser. The individuals should be contacting each past client and asking them if they are satisfied with the service or not.

Most importantly, these brokers should show that they are professional in what they do. They should provide accurate information with regards to these sales in a timely manner. They should also discuss matters politely and patiently with their clienteles.

Find a summary of the advantages you get when you own real estate Prescott AZ area and more info about an experienced Realtor at http://redarrowrealestate.com now.

Installment Loans: Emergency Need and Ready Finance

Installment loans are the best choice for anyone who requires ready cash in the face of unpredicted financial crisis. His monthly earning is limited and his budget has no provision for emergency demands. This is common to most of the people, but they are to bear the scorching of the horrible rise in the market price. Installment loans are like payday loans which are paid against paycheck of the next month.

One advantage of installment loans is that the people who have very stained credit record are also eligible for this kind of loans. It is a fact in the financial market that the lenders do not advance any kind of finance to the people who are attached with arrears, defaults, IVAs, CCJs, bankruptcies, foreclosures etc although they are in genuine need of financial support. It is good for them that credit record is not checked in installment loans.

Installment loans are like short loans. The loan-seeker can avail an amount between £100 and £1500. The lender decides the amount that he will pay after studying financial capacity of the applicant.

Installment loans are, again, like short term loans. The repayment period is in the range from 14 to 30 days. The loan-seeker can approach the lender for extension in the reimbursement tenure. This is not advised generally. Sometimes, the lender grants such extension, but the borrower is to shoulder some fines or penalties. It is always good to clear the installment loans within the given time as its interest rates are relatively high. The borrower is also advised not to go for finance before the repayment of the installment loans.

The borrower should fulfill some conditions to be eligible for installment loans. It is necessary that he must be a citizen of Untied Kingdom and that he is over 18. He must have checking account. It is also required that he must be employed in any legally authorized organization at least for half of a year and that his monthly income is around £1000.

Installment loans have some similarity with unsecured form of loans. Collateral is not asked for in installment loans. Installment loans are famous for quick processing of loan payment. The borrower is not instructed to fax his personal details to the lender. He can apply online, and the process is time-saving and comfortable.

Tristan Todd is author of bad credit installment loans.If you have any query regarding Installment no check loans visit http://www.installmentloans.org.uk

Business Finance – A Bookkeeper Or An Accountant?

Every business needs to keep track of their financial records and when it comes to balancing the books more than one person often looks at them in order to balance them. Bookkeepers and accountants will look at the figures so that they can write up reports, but they both perform different functions. In the eyes of some, the terms bookkeeper and accountant are the same thing, but that is not the case.

Accountants and bookkeepers have not undergone the same schooling. They obtain different degrees and certifications. Bookkeepers are responsible for more of the actual financial recording than the accountants. Once they have recorded the numbers in the ledger, it is time to move on to another. Analysis and planning are not asked of bookkeepers. This is simply an indication of different training, not one of incompetence. Bookkeepers usually do their job in monthly cycles. Usually it requires recording transactions, writing reports, and making whatever minor adjustments are needed.

The more advanced planning and analysis tasks are more often given to the accountants than to the bookkeepers. Accountants often create the bookkeeping processes for large businesses and then take on monitoring duties. The bookkeeping team enters the figures and creates reports which are then given to the accountants who analyze the numbers in order to plan future financial moves. Since accountants must have bookkeeping knowledge and skills, they are often the bookkeepers’ supervisors. The accountants look at the ledgers and calculate things such as new interest numbers and upcoming wages to be paid out to the employees. They create financial statements for the business based on the numbers.

A single person can usually complete the job of both bookkeepers and accountants in a small business. This is due to the fact that bookkeeping is one component of accounting. Smaller businesses do not move the same volume as a large corporation, so one person can take care of the recording and analyzing duties and no distinction is needed. There are regulations in some states, though, that rigidly govern the financial duties a person is qualified to perform. States such as these give only licensed accountants permission to do the job of an accountant and provide guidelines to the business detailing these jobs. In some places, the distinction between a bookkeeper and an accountant is one of prestige. Those that have taken the extra schooling and taken the tests to become an accountant can be especially sensitive to the difference between the two.

The lines between accountants and bookkeepers are becoming less clear with the assistance of computer software. With the help of these programs, accountants and bookkeepers are beginning to do one another’s job. The differentiation may continue to disappear as time goes on.

More : Parramatta MYOB Bookkeeping

What You May Have Not Known When Searching For Reliable Tax Preparation Mesa AZ

Companies whose tax return submissions are due normally find it a challenge when looking for a professional to do the job. The problem is that, most people do not the right procedure and factors to consider, which helps in finding the best accounting expert. The only way of finding a reliable professional is through a comprehensive search. When searching for accurate tax preparation Mesa AZ accountants are obtainable online.

When submitting your tax returns, it is highly recommended to have accurate figures. The process of balancing the books to help you with accurate figures is work, which most people are afraid to handle. This is for the simple reason that if inaccurate figures are detected, the authority will heavily fine the business.

The process of picking the most reliable professional to handle the work is a very big challenge. What needs to be known is that, there are several people and companies in this region offering these services but some cannot be trusted. As already mentioned, submitting false financial information would attract heavy fines from the IRS officials. The only way of avoiding denting the reputation of your business is to conduct a detailed search to get a reliable professional.

Conducting web queries is the simplest method of locating professionals to carry out your tax preparation job. When on the internet, you would get a large list of peoples and firms. Web search is recommended because it can quickly be undertaken, as all you require is a PC and reliable internet connectivity. You also need to consider using correct keywords of the leading search engines to assist with getting accurate information quickly.

There are a good number of factors, which you need to consider when choosing a professional to help with preparing your return forms. The first one is the qualifications of the professional to be hired. This is very important because such professionals must be qualified in accounting and auditing. You need to look at their qualification papers before hiring them.

The person or company to be hire must have a valid license. Law companies, individuals and consultancy firms offer these services in this region. All of them must be licensed in order to provide these important services. You should also go further to know if they are members of special bodies such as better business bureau and state board of accountancy. Never hire any professional that is not having a license.

Experience of the professional or company to be hired must also be taken into considerations. You need an expert who has been in the industry for a long time because this offers great experience. Remember your business must submit accurate figures to avoid fines from the IRS and is only assured when an experienced person is hired.

Choosing tax preparers in the city of Mesa AZ can be easy if you know the right process. At this point, you should not experience any difficulties finding these professionals. This is because all you need to do is search online and look at the qualifications, experience and license of a company or an individual before hiring their services.

Read more about What You May Have Not Known When Searching For Reliable Tax Preparation Mesa AZ.

How I Can Make The Right Choice When I Want To Clear My Credit

The same way that it is impracticable for one to erect a house in a day is the same way it is close to impossible for one to clear their credit score in a similar manner. There are many websites across the globe as well as in telephone directories that claim to be able to give you an improvement in your credit at a go. Despite what they may claim, it takes definitely more than a day for one to shore up their FISCO score. Which brings us to the commonly asked question, Can I clear my credit?

Give consideration to the long term aim when you select the company that will accord you with debt alleviation. Despite wanting to control your financial situation, make sure the company will be cooperative with you as time progresses. Make sure you have properly assessed all needs and make wise choices that will not turn into costly mistakes. There are organizations that task themselves with offering services classes for one to improve their financial troubles in the future.

Issues regarding your credit will enable one to get reprieve from their credit situation. An assessment has to be undertaken to determine if it is possible to reduce the balance on an unsecured loan or generally reduce their credit card. Thousands of people could be helped write off their balances on their unsecured loans and credit card balances. The entire process will carried out legally. Nowadays many can be heard asking, how can I clear my debt?

On getting your file check out if any big red flags have been raised. For the lenders the red flags are for the charge-offs, lenders, unpaid accounts, tax liens as well as the collection accounts. In some of this cases contacting the lender will be necessary so as begin paying off the accounts before the situation deteriorates.

In the case that you are repairing your own advance, make a time period that is sensible. Despite seeing some improvement in score in a month, make your actual target to be about 3-6 months. Ensure you begin the process by acquiring a copy of your loan report. One can get a free copy of the report provided at certain time period intervals. In the case that your free choices had already been exploited, one can purchase from a number of credible online sources.

The acts main aim was to ensure that customers have an understanding of their rights. In the same way what redress they are open to in case they are dissatisfied. Take precaution not to work with those companies undergoing consolidation of debt. This is due to them being non-profit.

Take a look at the amount of debt in your name and try to work to rescind it. Task yourself with reducing your load on debt first by ensuring you pay your balances down as promptly as you possibly can. The best ways to improve your overall scores is by increasing it by 50% on your limit.

If you have no knowledge about a professional do not borrow money from them at all. There are some loan sharks who prey on people who experience financial troubles. If you decide to consolidate your debt through borrowing money ensure that the loan provider has a reputation that is solid and the interest rate must be reasonable compared to what the creditors are charging you.

You can visit www.yourclearcredit.com for more helpful information about How I Can Make The Right Choice When I Want To Clear My Credit.

Retail Banking Competitor Tracker – July 2010 – Market Research Report On Aarkstore Enterprise

Introduction

Datamonitors Retail Banking Competitor Tracker is a monthly product providing updates on key events relating to major players in retail banking across the globe. Covering major developments such as M&A activity, market entries and withdrawals, partnerships, product innovation, and customer targeting, the Retail Banking Competitor Tracker provides succinct summaries of key stories.

Scope

*Information on new product developments, mergers and acquisitions, distribution and partnerships

*Insight on how the major retail banks are adapting to the ever changing economic climate

Highlights

Several banks announce launch of mobile phone banking platforms.

RBS sells Indian retail arm to HSBC.

Bank of China continues to develop partnerships with Western banks.

Reasons to Purchase

*Provides a definitive source of information on all your competitors key strategies

*Offers insight into how the competitive landscape is evolving through M&A activities, partnerships and organic growth

*Detailed insight into new product developments within retail banking

Table of Contents :

Overview 1
Catalyst 1
Summary 1
Methodology 1
TABLE OF CONTENTS 2
Introduction 3
This tracker provides both one-month and 12-month views of developments 3
Each month Datamonitor tracks the most relevant announcements from 100 competitors 3
Datamonitors Retail Banking Team provides analysis of the key developments at both the one-month and 12-month level 4
A fully searchable database of the past two years of developments is also delivered alongside the report 4
Products, Services and Innovation 5
Barclays 5
UK: Barclays provides students with overdraft facility 5
BBVA 5
Spain: BBVA offers smart phone application to Xacobeo 2010 pilgrims 5
Citibank 5
Mexico: Banamex opens online shopping center 5
Malaysia: Citibank launches mobile banking platform in Malaysia 6
Taiwan: Citibank Taiwan launches mobile banking platform 6
The Cooperative Financial Services 7
UK: Cooperative Bank halves mortgage fees 7
First Direct 7
UK: First Direct introduces one fee for all of its products 7
First National Bank 7
South Africa: FNB introduces Pay Wallet 7
South Africa: FNB provides its customers with free online security 8
Oversea-Chinese Banking Corporation 8
Singapore: OCBC to offer banking services on iPad 8
State Bank of India 9
India: SBI prepares for paperless banking 9
India: SBI to continue with home and car loan scheme 9
Yorkshire Building Society 9
UK: Yorkshire provides mortgages of up to 90% LTV 9
M&A, Partnerships and Organic Growth 10
ABN Amro 10
The Netherlands: ABN Amro restructures business after merger 10
Bank of China 10
China: Bank of China enters into strategic alliance with Asian Development Bank 10
Bank of Ireland 10
Ireland: Bank of Ireland receives restructuring approval from the European Commission 10
BNP Paribas 10
France: BNP Paribas enters into alliance with BPCE Group 10
Commerzbank 11
Germany: Commerzbank finalizes the sale of Dresdner Bauspar and Kleinwort Benson 11
Industrial and Commercial Bank of China 11
Canada: Bank of East Asia changes its name to ICBC 11
Piraeus Bank 11
Greece: Piraeus plans to acquire stake in Agricultural Bank of Greece 11
Royal Bank of Scotland 12
India: RBS to sell its Indian retail arm to HSBC 12
State Bank of India 12
India: SBI and State Bank of Indore merger approved by cabinet 12
Appendix 13
Methodology 13
Further reading 13
Ask the analyst 13
Datamonitor consulting 13
Disclaimer 13

List of Tables
Table 1: The 100 companies and subsidiaries covered by Datamonitors Retail Banking Competitor Tracker 3

For more information please visit :

http://www.aarkstore.com/reports/Retail-Banking-Competitor-Tracker-July-2010-62620.html

Aarkstore Enterprise specialize in providing online market business information on market research reports, books, magazines, conference booking at competitive prices, and strive to provide excellent and innovative service to our customers.

Aarkstore Enterprise -Malayan Banking Berhad (MAYBANK) – Financial and Strategic Analysis Review

Malayan Banking Berhad (MAYBANK) – Financial and Strategic Analysis Review

Malayan Banking Berhad (Malayan Bank) is a Malaysia based banking and financial services company. The bank is principally engaged in providing banking services to personal and business customers. The bank offers a wide range of products and service including Internet banking, investment banking, Islamic banking, offshore banking, leasing and hire purchase, insurance, factoring, trustee services, asset management, stock broking, nominee services, venture capital and commercial banking.

This comprehensive SWOT profile of Malayan Banking Berhad provides you an in-depth strategic analysis of the company’s businesses and operations. The profile has been compiled to bring to you a clear and an unbiased view of the company’s key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms part of the ‘Profile on Demand’ service, covering over 50,000 of the world’s leading companies. Once purchased, the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Malayan Banking Berhad including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including*,

– Business description – A detailed description of the company’s operations and business divisions.
– Corporate strategy – Analyst’s summarization of the company’s business strategy.
– SWOT Analysis – A detailed analysis of the company’s strengths, weakness, opportunities and threats.
– Company history – Progression of key events associated with the company.
– Major products and services – A list of major products, services and brands of the company.
– Key competitors – A list of key competitors to the company.
– Key employees – A list of the key executives of the company.
– Executive biographies – A brief summary of the executives’ employment history.
– Key operational heads – A list of personnel heading key departments/functions.
– Important locations and subsidiaries – A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years – The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods – The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Note*: Some sections may be missing if data is unavailable for the company.

Key benefits of buying this profile include,

You get detailed information about the company and its operations to identify potential customers and suppliers.
– The profile analyzes the company’s business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Understand and respond to your competitors’ business structure and strategies, and capitalize on their weaknesses. Stay up to date on the major developments affecting the company.
– The company’s core strengths and weaknesses and areas of development or decline are analyzed and presented in the profile objectively. Recent developments in the company covered in the profile help you track important events.

Equip yourself with information that enables you to sharpen your strategies and transform your operations profitably.
– Opportunities that the company can explore and exploit are sized up and its growth potential assessed in the profile. Competitive and/or technological threats are highlighted.

Scout for potential investments and acquisition targets, with detailed insight into the companies’ strategic, financial and operational performance.
– Financial ratio presented for major public companies in the profile include the revenue trends, profitability, growth, margins and returns, liquidity and leverage, financial position and efficiency ratios.

Gain key insights into the company for academic or business research.
– Key elements such as SWOT analysis, corporate strategy and financial ratios and charts are incorporated in the profile to assist your academic or business research needs.

For more information, please contact :
http://www.aarkstore.com/reports/Malayan-Banking-Berhad-MAYBANK-Financial-and-Strategic-Analysis-Review-50140.html

Contact : minu
Aarkstore Enterprise
Tel : +912227453309
Mobile No: +919272852585
Email : contact@aarkstore.com

Minal H
SEO
vinod.minal@gmail.com
http://www.aarkstore.com

Some Know How On Careers in Marketing, IT and Finance

With assortments of career alternatives out there, students are split on choices as to which career path to pursue. In such milieu, let us discuss some of the imperative and pertaining careers in Finance, Marketing and IT. The finance industry is an ever green career option which never goes out of fashion and the sheer number of alternatives accessible when it comes to Careers in finance will surely sweep you off your feet.

Let us browse through some of the most sought after careers in finance. You can aim to be a mutual fund advisor or a relationship manager or you can look forward to a career as a banker in any of the numerous banking establishments. Some other alluring careers in financing sectors are: – chartered Accountant, Chartered Financial Analyst, Company Secretary, Compliance Officer, Financial Planner, Loan Officer, Portfolio Manager, Probationary officer or Banking officer, Research Analyst, Actuarian (trained statistician), Economist, ICWA, Insurance Appraiser/Surveyor, Insurance Sales Agent/ Advisor, Investment Banker and Under Writer. As the name suggests finance related careers essentially deal with money and can do wonders for your future.

Now let us come to some of the careers in Marketing. Careers in marketing are pretty much fun and folks who love challenges are cut out for this type of careers. But with changing temperament of eth new age customers, marketers have to keep themselves abreast with the latest developments and accordingly prepare shelves for the chore. Some of the essential traits of a perfect marketer are: – excellent communication skills, apt at identifying quandaries, etc. Some of the most sought after careers in marketing are: -Brand Manager, Human Resources (HR) Manager, Logistics Manager, Management Consultant, Market Research Manager, Marketing Manager, Product Development Manager, Project Manager, Public Relations Manager, Sales Manager, Store/ Retail Manager, International Business Manager, Inventory Manager and Operations Manager.

Now let us come to the most preferred choice of new age students that of careers in IT (information Technology). IT has revolutionized the entire facet of the globe by proffering high quality services at reasonable prices. The IT scenario in India is burgeoning at a swift pace and students are making a bee line for admission into educational establishments proffering pertinent education relevant to IT. Some of the most desired careers in IT are: ¬-System Administrator, Computer Forensics, Chief Information Officer, Computer Operator, Database Administrator, Computer Hardware Engineer, Network Administrator, Network Engineer, Games Programmer, Computer Security Professional, Programmer, Project Manager, Software Engineer, Software Quality Assurance Engineer, Computer Graphic Specialists, Computer Systems Manager, Database Developer, Video Game Designer, Web Designer, Web Master, Web Developer, Cryptanalyst,  etc. A career in IT is rewarding as well as very innovative as you put yourself to challenging the dead

lines and making technology work for the benefit of human race. Some of the quintessential attributes to become an apt IT professional are dedication, hard working nature and commitment; one should also take note that, certifications from Microsoft, sun and Cisco plays an utterly imperative role in shaping successful careers.  

Mr. Vikas Rathi is providing Infinite Courses, a foremost name in the arena of web sites and portals offering umbrella solution to all education related queries and dilemmas.Explore careers in finance, careers in marketing, careers in IT and much more.