EASY MONEY MAKING TIPS FOR YOUNG PROFESSIONALS

You just got done with college, and have started
out on your very first job. The economic freedom
you experience can rarely be doubted, and more
importantly the feeling of being independent can
never be matched by anything else. But, it is not
long before most of us get carried away with our
innate habit of splurging our earnings just
because it's ours. As a matter of fact, that is
precisely why you must protect your savings.
Wondering why? Well, your financial status
affects not only your day to day life, but has a
significant impact on your future, as well as of
those around you. With the recent economic
fluctuations happening all around the world, you
would be wise to start saving the moment you
start earning.
Here is some easy money saving tips:
1) Self Control: don't give in to spending
urges; there will always be attractive offers and
things on display. Draw a line between what's
essential and what's not. Spend wisely, and you
will automatically save money. It is easy to let go
of money through your hands, whereas it's never
easy the other way round.
2) Take charge of your financial future:
never get miffed by terms such as equity
markets, investing in shares, mutual funds,
insurance and so on. You don't even need to
know the financial know-how of all these. You will
just need to be familiar with what each of it
means to you and your finances. There are
several self help guides available to help you with
this, or you also have the option of seeking the
advice of a financial expert.
3) Know where your money goes: The
easiest thing you can do with money is to spend
it. It is entirely up to you to choose to spend it
wisely or not. Make sure you are aware of where,
why and how much you spend. Review your
expenditures periodically and try to eliminate
those that can be avoided. In this era of
technology, there are several apps available to
help you with money management on a daily,
weekly or a monthly basis.
4) Have your own emergency fund: apart
from the monthly installments you pay, or the
investments you make, always set aside a portion
of your monthly income for an emergency fund.
Don't let your expenses get in the way of this
money. The longer you keep up this habit, the
money you save is can be used for purposes
rather than just emergency.
5) Understand how taxes work: trying to get
a grip on the tax calculations every month can be
overwhelming at first. But, understanding how
this works will definitely help in managing your
money better.
6) Save for retirement: Even if you are far
away from your retirement age, it is a wise thing
to start saving right now. Although this is usually
done automatically at the time of salary credit.
Saving from now will definitely help you cope
with no income when you retire.
These are simple enough steps to implement in
our lives. It is unfortunate that nobody is ever
taught how to manage their money in high
school. Things suddenly change once you start
earning, yet most of us happen to still be clueless
when it comes to our financial lives. Optimal use
of money is not only about saving up, it will
automatically help you increase your credit score
so that your financial life is stress free. As long as
you follow some of these simple tips, you should
be well on your way to wealth.
Get to know more on how to raise your credit
score so that you can avail the best suited loans.
For starters, visit http://www.rupeezone.in, you
can avail free debt consulting services and learn
how to manage your finance.

AVOIDING MAJOR LOSSES IN EQUITY INVESTING

It is quite easy to fall prey to market fluctuations
and make unprecedented losses in investment.
Wealth building is important for everybody; it is
not enough if we have sufficient money today,
the future counts as well. Investing in the equity
market is perhaps one of the most lucrative ways
of going about this. It is a fact that there are
several avenues of making money, but investing
in equity is considered best among them.
Following some simple tips will help you steer
clear of losses and maximize your gains over the
long run.
Never rush into an investment. Always make
informed decisions. If you are looking at short
term investments (where you want to retrieve
your money in less than a year) then choose debt
products (such as debt mutual funds). In this
case, the risk is less but so are the returns.
If you want higher returns, then choose a long
term investment such as the stock market.
Beware of fraudulent companies. Not all the
"upcoming" companies you come across are
genuine.
Buying high and selling low are the most
commonly made mistakes. Do not Panic; in fact
you just need to do the opposite.
Do not believe superstitions or word of mouth
when it comes to investing.
One fundamental rule to remember: never
borrow money or take a loan to invest. The
surplus you have left after all your expenditures
is what you should use for investing instead of
splurging it unnecessarily.
Stock market is not a game of gambling- it is very
much an investment to fulfill your financial goals
Avoid day trading, use your common sense and
don't get too greedy.
It is always advisable to seek professional help,
provided they are reliable.
Go in for a systematic investment plan [SIP] -
which helps you save regularly and with
discipline.
You can definitely control your investments, but
you can't control their performance. Once you
understand that, you are well on your way to
wealth generation. It isn't just about increasing
the value of your finances, it is also about
improving your credit score and credit records so
as to be able to avail loans easily and secure your
financial future.
No amount of speculation can help you get more
gains, it is only a tentative calculation you will
have to go by. But, the advantage is that the
more patient you are and the longer you invest -
you will be rewarded well and be able to achieve
all your financial goals.
Get to know more on how to raise your credit
score so that you can avail the best suited loans.

INVESTMENT TIPS

Invest wisely is one phrase which is so commonly
used, its meaning is either mistaken or forgotten.
So, what does it mean to invest wisely? To
invest in the stock market without making any
hasty decisions. To have your basics right, and
avoid major losses and be able to gain maximum
returns on your investment.
However, the more important question here is,
How to invest wisely?
More than the what, it is the how that matters
more. Because, whether its a gain or a loss; it is
your money on the line. Here's a detailed look at
a simple and easy to implement method.
Say hello to Rupee Cost Averaging - A
wonderful technique to safeguard your
investment portfolio. It is a simple method which
if used well, will help increase your ROI,
irrespective of the type of investment you make.
Let us take an example to understand better, you
have found that a blue-chip company has some
put forth its shares at Rs.50 each, so you have
bought say 500 shares. A week later, the prices
are down to Rs40 per share and you are looking
at a loss of Rs 5000. You are left wondering if
you could have bought the shares at Rs 40 itself
right? Now, what if it reduces further?
This is where Rupee Cost Averaging will help
you. Instead of paying the entire 25000 in one
go, what if you had invested with Rs 5000 every
week? In the first week you would have bought
100 shares at Rs 50 each, in the second week
you would have bought the same at Rs 40 each
and in week 3,4 and 5 the share price would be
Rs 35, Rs45 and Rs 55 respectively. So, instead
of buying 500 shares you would have bought
570 shares for the same amount. This will
definitely help you balance out the profit and
loss, and gradually increase your profits.
Some of the key points of Rupee Cost Averaging
are as follows:
Don't invest using a lump sum amount every time
the market rises.
Invest uniformly irrespective of whether the
market is rising or not.
Invest a constant amount of your money, and
not in a constant number of shares. This will help
you buy more shares when you invest at the
right time.
This method works well for buying as well as
selling, since you are putting in a fixed value of
your money.
Even when things are against market trends; you
would still be able to increase your gains.
Similarly, when you're playing the market trends,
your risk is reduced.
This method helps you stay disciplined in
investing and effectively converts a regular
savings idea into a regular investing approach.
Apart from stability in investment, the good thing
about Rupee Cost Averaging is that you are
relieved from the unnecessary pressure of
forecasting market highs and lows.
Get to know more on how to raise your credit
score so that you can avail the best suited loans.
For starters, visit http://www.rupeezone.in, you
can avail free debt consulting services and learn
how to manage your finances better.
With over 2 lakh customers, 25 + years of
expertise in the field, we are a well established
financial services organization specializing in
various types of loans.

4 TIPS FOR ENGINEERS TO FIND A REAL JOB

Defining Real Job
Summer internships or event volunteering in
which students enroll themselves at the college
level hardly pays them enough. So, for the
obvious reason any form or unpaid internship
might be a learning experience, even interesting
but can't shape up into a regular, daily job. But,
this doesn't mean internships are not important.
So, the question still remains what is that real
job? The perfect definition of a 'real job' is, work
that stimulates the brain, keeping it winded with
corresponding temperament and enriching it with
new challenges. A job that helps to acquire solid
skills and prepares students for more sturdy
platforms.
How to Hunt a Real Job?
When searching your first job, you might find
several vacancies with different employers but at
a point of time you should be very cautious.
Don't rush for the brands which land you in a
good earning job, but fails to provide adequate
learning. Any job that does not provide a fresher
any sort of training, exposure and process
related knowledge is just a farce. At the early
stage of your career, they must avoid jobs where
they do not get to work in proper teams.
Because working in teams needed your technical
skills that remains intact forever and the scope to
learn more also extends. Irrespective of a brand,
go for the job that gives you a chance to work in
teams, ample scope to learn and experiment.
Tips to Land in the Right Engineering Jobs
You should always try to avoid job roles that are
excessively defined. The rough edges and slop in
your job will keeps you on your feet and always
busy in figuring things out. Jobs should always
have a hint of ambiguity to surprise you when
least expected. This not only prepares you for
bigger job roles, but for life as a whole. Make
sure your first job has that characteristic.
When you are associated with the world of
engineering you should always look forward to
learn new things and no better person could
teach you, except your boss. But, it is not always
necessary you get a great boss to work with,
according to researches, it wouldn't hurt if you
work with a few bad ones! Because you often
tend to learn more from 'the bad' than the really
good ones. For example, you would always
remember what not to do in order to make you
subordinates hate you, or, how to keep your
juniors motivated. So, research about bosses are
equally important when compared to job profiles.
Always look for a job that lets you get involved in
as many projects as possible. In the naive years
of your job, try to get as much experience as you
could. The job must always be in interest of both
the company and employe as your work shall
always get highlighted under your name and not
your seniors'. Always ask for recognition if you
have contributed in projects.
If you are an engineer, this particular point could
be very unfamiliar, but would make sense, when
tried. If you have to choose from an amply
resource job always go for the former. Ingenuity
is a skill that will help you with anything you do
in your life. You develop it faster if you have to
make way with less, not more.
How to Sustain in Your Real Job!
Sometimes you might find yourself slumping in
tough situations or just countering criticism -
actively. It is very important to talk! Don't
overcompensate by saying 'yes' to everything
that comes your way, talk to your team manager,
Sr. manager, buffer the situation and seek the
reality and the source of negative. Invite critics,
court them and don't marginalize them "people
who always talk ill". Try to remain as much as
involved with the decision-making loop.
Conclusion
Engineering is amongst the most exciting and
challenging career options, but one must be
really cautions in choosing a job, Particularly, the
first. Your first job could be a temporary farce or
a learning experience. The four important points
listed above would save you from sulking and
wishing for the "Real job".

BECOMING A NATURAL ATTRACTOR

Are you a natural attractor? Did you ever meet
people who just seem "lucky"? You know, people
who always get the breaks in life? Things just
always seem to work out for these people, but
why not you?
You think, "I'm a good person, how come things
never work out that way for me"?
While you might be correct in your assumption,
there are some very specific ways to "attract"
what it is you desire into your life.
When I was young, I had the natural ability to
attract what I wanted into my life. I did this
naturally and instinctively without even being
aware I was doing it! I remember people would
often say, "You're lucky" but I never really gave it
much thought. If I wanted something, I just did a
few things and boom, I got it!
What did I do to attract things into my
life?
I'll give you an example of what I'm talking
about. As a child (and to this day), I was a movie
fanatic! I was obsessed with movies! When I was
about 14 years old, a video disc system known as
CED (Capacitance Electronic Disc) came out. At
the time, VHS was out for just a few short years
but I was blown away by this system! I just HAD
to have it, but how?
Become obsessed!
I would often go to stores to look at this
machine, touch it, feel it and just imagine it in my
living room! Hey, I was 14 years old and had a
LOT of time on my hands so I did this constantly!
I honestly felt, in my gut, what it would be like to
have this machine in my possession! I would
think about it and talk about it to anyone that
would listen!!
Does visualization really work?
Absolutely! That is a HUGE piece of the puzzle in
attracting your desires. I remember taping up a
pamphlet for this machine on my living room wall.
My father thought I was crazy, but he let me do
it (or the attractor energy was just too much for
him to resist).
I would stare at this pamphlet every single day! I
was a man (er, boy) on a mission and I just
WOULD NOT STOP UNTIL I GOT IT!
Be determined!
I was SO determined to get this machine but
didn't know HOW I would get it. My parents
didn't have a lot of money let alone the kind of
money to buy an expensive video disc player.
Now here is the ironic part. I don't actually
remember HOW I got the machine, only that I did
get it. But is the "How" really important?
No!
The "how" is really the least important
aspect of manifesting your desires into
your life, it's the "why" that is VITAL!
I recall MANY situations where I brought into my
life what it was I desired and all following the
same exact frame work. As an adult, I have read
many books on manifesting and I was doing
almost ALL the same things outlined by many
(many) successful teachers, but was totally
unaware of it!
It works, PERIOD!
Let me recap:
Become obsessed with what it is you desire!
Visualize: See it, feel it, touch it in your mind!
Be determined! Do NOT stop until you get it!
Trust me, if you do what I have outlined above,
you will not fail! I talk from great experience
because I have been extremely successful in
attracting my desires into my life.
Just remember one very important thing. Be
careful of what you wish for, because you just
might get it.

BECOMING A NATURAL ATTRACTOR

Are you a natural attractor? Did you ever meet
people who just seem "lucky"? You know, people
who always get the breaks in life? Things just
always seem to work out for these people, but
why not you?
You think, "I'm a good person, how come things
never work out that way for me"?
While you might be correct in your assumption,
there are some very specific ways to "attract"
what it is you desire into your life.
When I was young, I had the natural ability to
attract what I wanted into my life. I did this
naturally and instinctively without even being
aware I was doing it! I remember people would
often say, "You're lucky" but I never really gave it
much thought. If I wanted something, I just did a
few things and boom, I got it!
What did I do to attract things into my
life?
I'll give you an example of what I'm talking
about. As a child (and to this day), I was a movie
fanatic! I was obsessed with movies! When I was
about 14 years old, a video disc system known as
CED (Capacitance Electronic Disc) came out. At
the time, VHS was out for just a few short years
but I was blown away by this system! I just HAD
to have it, but how?
Become obsessed!
I would often go to stores to look at this
machine, touch it, feel it and just imagine it in my
living room! Hey, I was 14 years old and had a
LOT of time on my hands so I did this constantly!
I honestly felt, in my gut, what it would be like to
have this machine in my possession! I would
think about it and talk about it to anyone that
would listen!!
Does visualization really work?
Absolutely! That is a HUGE piece of the puzzle in
attracting your desires. I remember taping up a
pamphlet for this machine on my living room wall.
My father thought I was crazy, but he let me do
it (or the attractor energy was just too much for
him to resist).
I would stare at this pamphlet every single day! I
was a man (er, boy) on a mission and I just
WOULD NOT STOP UNTIL I GOT IT!
Be determined!
I was SO determined to get this machine but
didn't know HOW I would get it. My parents
didn't have a lot of money let alone the kind of
money to buy an expensive video disc player.
Now here is the ironic part. I don't actually
remember HOW I got the machine, only that I did
get it. But is the "How" really important?
No!
The "how" is really the least important
aspect of manifesting your desires into
your life, it's the "why" that is VITAL!
I recall MANY situations where I brought into my
life what it was I desired and all following the
same exact frame work. As an adult, I have read
many books on manifesting and I was doing
almost ALL the same things outlined by many
(many) successful teachers, but was totally
unaware of it!
It works, PERIOD!
Let me recap:
Become obsessed with what it is you desire!
Visualize: See it, feel it, touch it in your mind!
Be determined! Do NOT stop until you get it!
Trust me, if you do what I have outlined above,
you will not fail! I talk from great experience
because I have been extremely successful in
attracting my desires into my life.
Just remember one very important thing. Be
careful of what you wish for, because you just
might get it.

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SET UP EXCHANGE MAIL ON ANDROID PHONES

How do I set up Exchange ActiveSync on an Android mobile phone? -------------------------------------------------------------------------------- 1.From the Applications menu, select Email. This application may be named Mail on some versions of Android. 2.Type your full e-mail address, for example tony@contoso.com, and your password, and then select Next. 3.Select Exchange account. This option may be named Exchange ActiveSync on some versions of Android. 4.Enter the following account information and select Next. Domain\Username Type your full e-mail address in this box. If Domain and Username are separate text boxes in your version of Android, leave the Domain box empty and type your full e-mail address in the Username box. Note: On some versions of Android, you need to use the domain\username format. For example, if your e-mail address is tony@contoso.com, type contoso.com\tony@contoso.com. Your username is your full e-mail address. Password Use the password that you use to access your account. Exchange Server Use the address of your Exchange server. To find this address, see “Finding the Server Name” later in this topic. 5.As soon as your phone verifies the server settings, the Account Options screen displays. The options available depend on the version of Android on your device. The options may include the following: Email checking frequency The default value is Automatic (push). When you select this option, e-mail messages will be sent to your phone as they arrive. We recommend only selecting this option if you have an unlimited data plan. Amount to synchronize This is the amount of mail you want to keep on your mobile phone. You can choose from several length options, including One day, Three days, and One week. Notify me when email arrives If you select this option, your mobile phone will notify you when you receive a new e-mail message. Sync contacts from this account If you select this option, your contacts will be synchronized between your phone and your account. 6.Select Next and then type a name for this account and the name you want displayed when you send e-mail to others. Select Done to complete the e-mail setup and start using your account. Tip: You may need to wait ten-to-fifteen minutes after you set up your account before you can send or receive e-mail. Finding the Server Name -------------------------------------------------------------------------------- To determine your server name, use the following steps: 1.Sign in to your account using Outlook Web App. 2.On the Outlook Web App toolbar, click Help > About. 3.On the About page, under the External POP Settings line, use the Server name value to help you determine your server name: If the External POP Settings > Server name value includes your organization’s name, for example, pop.contoso.com, then your server name is the same as your Outlook Web App server name, without the /owa. For example, if the address you use to access Outlook Web App is https://mail.contoso.com/owa, your Exchange ActiveSync server name is mail.contoso.com. If the External POP Settings > Server name value is in the format podxxxxx.outlook.com, your Exchange ActiveSync server name is m.outlook.com. In some cases, Android mobile devices may experience connection problems using m.outlook.com as the server name. If you are having problems connecting, go to the Host name line on the About page. Use the value shown under Host name for the Exchange ActiveSync server name for your device.

HOW TO PASS JAMB AND POST UTME OF NIGERIAN UNIVERSITIES AND POLYTECHNICS

If you sat for jamb utme 2012 and didn't make it, you don't have to worry. Just read this guide and sit right once again. You are not a failure until you refuse to get up. So, get yourself a cup of cool drink and relax and read this guide. It will really help you to get prepare for next year 2013. So you've been studying for weeks, probably months, for that hours-long, high-stakes standardized test. Much of your future will be determined by your performance. Perhaps your goal is college, graduate school, or a new career. Now that the big day has almost arrived, you'll want to know how to maximize your performance and avoid distractions. This article covers how to do that for both the day leading up to your test and the actual day of the test. You may need to purchase a few items discussed during the week prior. The Day Before the Test 1.No more studying! If you haven't got it by now, one day of cramming is very unlikely to make a difference. In fact, it's more likely to actually harm your performance, as you try to overlay short-term information over top long-term information. Refuse the urge to keep your nose in the books. 2.Relax, Recharge. You've hopefully been exerting yourself a great deal as you've prepared for your test. Now is the time to spend the day relaxing, diverting your attention away from everything test-related. This may mean renting a few movies for the day followed by going out to dinner. Whatever it is you do to relax and recharge, do it (but avoid alcohol, see section below). If you feel your mind creeping toward thoughts of the test, re-direct it immediately toward relaxing and recharging. 3.Hydrate yourself. Men should consume roughly 3 liters (about 13 cups) of total beverages a day and women should consume 2.2 liters (about 9 cups). In particular, adults should ingest approximately 35-50 milliliters of fluids per kilogram of body weight per day. (Use a fluid calculator). Optimize your fluid intake the day before testing. See the section below, "Fluid intake," for why. 4.Get a full night's sleep. Adult sleep requirements vary but average around 8 hours per night. Whatever a full night's sleep is for you, get it. Also, during the week leading up to your test day, buy a battery-powered alarm clock and use it. A late-night power surge has ruined many test days. On Test day Nourishment 1.Eat a light breakfast. Even if you are unaccustomed to eating breakfast, eat one on test day. However, don't eat just any breakfast. A small meal of complex carbohydrates is ideal, say, whole grain cereal with fresh fruit and low fat or skim milk. This will help maintain your energy throughout testing. Avoid a breakfast of fatty foods, such as eggs, meat, and fried potatoes. Such foods require extra energy to digest, which is better left for your brain. 2.Avoid an energy crash. Despite eating a breakfast as advised, you may still experience an energy crash. Avoid it by bringing a few "fun-sized" Snickers bars to your test. Just prior entering the testing site, including between breaks, eat one, no more. This will keep hunger at bay while giving your brain quick energy it can use to optimize your performance. 3.Fluid intake. Since you've optimized your fluid intake the day before, minimize it prior testing. You don't need the distraction of a full bladder half-way through your test. That said, don't minimize fluids so much you are distracted by thirst. 4.Lunch, dinner. Most standardized tests begin in the morning and finish around noon. If yours is on a different schedule, follow the same principles for lunch or dinner as described in the above section on eating a light breakfast. Body temperature and dress 1.Dress for comfort. Test day is not the day to dress to impress. You should wear the most comfortable clothes in your wardrobe. Loose-fitting jeans, casual loose-fitting tops (but see the section below), comfortable shoes, and nothing that overly constricts or pokes at you is ideal. The point is for you to not even so much think about what you're wearing while testing so you can avoid it as a distraction. Also, please don't be a distraction to others by wearing perfume or cologne. A morning shower and deodorant will suffice. 2.It's cold. Oh, wait, it's hot! Everyone's preferred body temperature is a little different. The room you will be testing in will probably be either too cold or too hot. It's ideal to dress your upper body in three layers. This may mean wearing a very light shirt under a button-down-the-front shirt under a light jacket. The point is for you to be able to avoid the distraction of room temperature by adding or removing a layer or two of clothing during the minutes leading up to test time. Room noise and size 1.Expect a noisy test room. On test day, there will definitely be room noises to which you are unaccustomed, whether from the person behind you who is constantly reading quietly aloud, or the person across the room with a frequent, barking cough. If you are easily distracted by room noise, or even if you are not, consider wearing ear plugs. Most pharmacies have them. You want the kind that you roll between your fingers and insert into your ear canal. If you think ear plugs might help you avoid room distractions, first get used to them during the week leading up to the test. All you'll hear is yourself breathing! 2.Who are all these people? Some people dislike being in new large rooms full of strangers with whom they are unfamiliar. If that describes you, remind yourself that everyone is there for the same task as you. The situation is little different from being in a movie theater or shopping mall. You'll be fine. It may help to stop by the testing site during the week leading up to your test and ask to see inside. Chemical pitfalls 1.Avoid a caffeine crash. If you normally drink one or more caffeinated beverages each morning, you should make provision for yourself to avoid the inevitable "caffeine crash" several hours later. Consider over-the-counter products that contain caffeine, but be very careful not to overdo it or use Guarana, especially in its whole form, as the caffeine source. Getting overly wired on caffeine is just as bad as a crash in the middle of 40 math problems. Your goal should be evenness. 2.Avoid a nicotine fit. If you routinely use tobacco in any form, avoid even the possibility of experiencing a "nicotine fit" while testing. Consider getting some nicotine lozenges, available over-the-counter from most pharmacies, and let one dissolve slowly in your mouth while testing. Don't wait until after you start experiencing nicotine withdrawal, because by then the agitation has already distracted you and affected your performance. Again, your goal should be evenness. 3.Alcohol. Don't take the above advise to "relax and recharge" as encouragement to drink in excess on the day before your test. Either avoid alcohol altogether or drink no more than one ounce during the 24 hours before your test. Detoxification requires your body to focus energy in organs other than your brain. Stuff you gotta bring (or not bring) 1.Make a list and check it twice. The people who make your test will inform you of items you must bring on test day. This will always include a state-issued photo I.D., such as a driver license. During the week leading up to your test, make sure the I.D. you plan to bring will be acceptable. You may also need to bring some sharpened #2 pencils, ink pens of a certain color, and a calculator. There may be other items you must bring, plus items you should not bring. Whatever the items are, make doubly sure you arrive for your test exactly as directed. 2.Electronic devices. The people who conduct high-stakes tests have figured out that hand-held and other electronic devises, including watches, can serve as modern "cheat-sheets" and test copying mechanisms. That's why they've created absolutely unbendable policies to completely prohibit them from their testing rooms. If you have such a devise in your possession, expect to be mercilessly expelled, period. You'll have to reschedule and repay. No, the test proctor absolutely will not watch or hold your devise for you. Leave it outside the door of the testing room. You've been warned. 3.Don't be late! Plan on not only arriving early, but encountering a traffic jam and getting a flat tire on your way to the testing site. Give yourself a very large buffer on your arrival time. The people who administer your test are unyieldingly serious when they say late-comers will not be admitted.