A non-encumbrance certificate (NEC) certifies that the property that is being offered to bank as security, is free of any debts. In layman’s words, the NEC certifies that the property in question entirely belongs to the person and not associated with any financial institution or bank. Encumbrance is a cost or charge created on a property, if it is bought with finances borrowed or is offered as a collateral or security for another loan.
Thus, an NEC informs that the property is not mortgaged and is without any burden of debt or security, or other obligation. For instance, if you had taken HDFC loan against property on your house, then you cannot apply for new loan on the mortgaged property, until the property loan is successfully closed. The authority will pass an NEC if the property loan is closed and the property is free of any debts. Otherwise, relevant charges will be filed on the property.
Issuing of an NEC
All the government authorities and financial institutions ask for a non-encumbrance certificate for up to 12 to 30 years. If this certificate is not availed, then banks/NBFCs will not provide you the loan. NEC is issued from the start of a new financial year, i.e. April 1 to March 31, no matter when you apply for the certificate. It is issued in either Form 16 or Form 15.
It is issued in the Form 16, if the property does not have an encumbrance is the specific period. If there are charges on the property, then Form 15 is provided. Form 15 specifies the charges and their nature, registration details, and the registered property documents.
Who Issues an NEC?
It is the Tahsildar (the tax officer and revenue inspectors) who issues the non-encumbrance certificate. These officials secure taxes from a land. These taxes are known as ‘tehsil’ and are relevant to land revenue. Tahsildar is also called the Executive Magistrate of the land with which he or she is associated.
You can get a computerized encumbrance certificate in Andhra Pradesh, Orissa, Telangana, Kerala, Tamil Nadu, Gujarat, Pondicherry, and Karnataka. In other states, you can get only hand-written certificates.
Steps to Apply for a Non-Encumbrance Certificate
Below given is the process to apply for an NEC:
Fix Rs. 2 non-judicial stamp on the Form 22 and send the application, with complete address, to the tahsildar. Give the reason as to why you require the certificate in writing, and attach it with proof of residence such as driving licence/ration card/Aadhar Card, etc.
Provide details of property ownership, such as the property location, survey number, measurements of the property, etc.
Hand over the application with a fee paid annually to the jurisdictional sub-registrar’s office. This office must be the under which the property comes.
The checking process of the report takes about 15 days to 30 days. The tahsildar will review the property report and details of the owner. He/she will issue the NEC, if the report is found favourable.
For years now, one of the companies every stock broker and investor has had shares or has a significant interest in investment is Facebook. But this past quarter things have been completely different. As of the reports from last quarter, the company lost nearly 123 billion dollars, which is more than valuations of entire startups!
This staggering fall can be attributed to the recent issues faced by company in the light of its privacy policies and the committee hearing that the CEO Mark Zuckerburg had to sit through. All of this has further led to the company straying away from its ideals. The management and board have been trying to assure the stock holder that a turnaround is coming soon.
What things are looking like as of now?
The company is shifting its focus to video based content and current estimates put the quarterly EPS at 1.96 dollars per share. This would also put the revenues around 12.5 billion dollars. The results are correlated to the year after year growth rate of 39% and 42%, respectively. The key for an investor here is the company’s post earnings momentum, which is dependent on its performance. The only cause of concern here is what investors have learned about key reporting items, and how it might slow down the spending on security, but its performance reports should offset these concerns.
Facebook recently reported that its monthly active users (MAU) cross 2.134 billion in the last quarter. This number shows no signs of slowing down as more developing countries gain internet access. There is a growth of about 14.7% per annum and 3.0% sequentially. For such a well-known and established company, these numbers are simply remarkable.
Rumblings of an earnings surprise
The best case scenario is that the company startles everyone with a better than anticipated results. The recent analyst estimates all indicate a good likelihood of this happening, but a clearer picture will be available once we are near earnings date. The more recent the prediction, the likelier the analyst will have newer information regarding the earnings report which are about to come out.
All the indications and signs point toward a likelihood of an earnings surprise as the current figures put it higher than the consensus numbers.
What does history suggest and should you plan for it?
The company has been on a streak of earnings surprise as per its history. In the past 9 quarters, the company has matched its estimates or out done it. Although a positive earnings surprise does not always mean that there will be an immediate surge in stock prices. Investors will be banking on the stocks flowing as per anything the company has said in the past about guidance or spoken plans to spend on security.
Für diejenigen, die in der Industrie und im produzierenden Gewerbe arbeiten, wissen Sie, dass Verletzungen und Arbeitssicherheit ein wesentlicher Bestandteil Ihres Tages sind. Sie müssen ständig sicherstellen, dass Ihre Mitarbeiter die bestmöglichen Maßnahmen ergreifen, um sie und ihre Umgebung zu schützen. In vielen Fällen können Sie zwar so viele Protokolle aufschreiben, wie Sie möchten, aber ein Großteil der Sicherheit des Arbeitsplatzes kann von den verwendeten Geräten bestimmt werden. Wenn Sie die Sicherheit Ihrer Mitarbeiter verbessern möchten, beachten Sie diese Tipps und Geräte, um eine sicherere Umgebung zu gewährleisten.
1. Richtige Kleidung
Es kann nicht überraschen, dass, wenn Ihre Arbeiter nicht richtig gekleidet sind, sie anfälliger für Verletzungen sind. Jemandes Arbeitsbekleidung ist ein wesentlicher Bestandteil der Verbesserung der Sicherheit Ihres Unternehmens. Die Kleidung muss nicht nur robust und haltbar sein, sondern auch die Temperatur, die diese Kleidung erzeugen kann. Ein Mitarbeiter kann leicht überhitzt werden und in Kleidung ohnmächtig werden, die wenig Atmungsaktivität oder Belüftung bietet. Das Herausfallen auf dem Boden kann zu Verletzungen sowie zu Verletzungen führen. Aus diesem Grund ist es wichtig zu messen, wie ein Kleidungsstück mit seinem Isolationsfaktor verglichen wird. Sie müssen möglicherweise die Leistung Ihrer Klimaanlage erhöhen, um dies zu kompensieren.
2. Richtige Werkzeuge
In bestimmten Fällen kann es einfacher oder billiger sein, Werkzeuge auszuwählen, die die Arbeit erledigen, auch wenn sie nicht die richtigen Werkzeuge sind. Dies ist eine Praxis, die nicht ermutigt werden sollte. Durch die Verwendung eines falschen Werkzeugsatzes kann es leicht zu Verletzungen kommen. Es kann sogar sein, dass das Gerät, mit dem sie arbeiten, beschädigt wird. Stattdessen sollten Sie von Anfang an in das richtige Werkzeug investieren. Schulung ist auch erforderlich. Manche Mitarbeiter entscheiden sich möglicherweise nicht für das richtige Werkzeug, weil sie nicht wissen, wie sie es verwenden sollen. Ein schnelles, aber gründliches Training reicht aus, um sich mit dem richtigen Werkzeug sicher zu fühlen.
3. Verwenden Sie das Buddy System
Arbeiter sollten niemals alleine arbeiten. Zum einen kann es sie wesentlich weniger glücklich machen. In der Lage zu sein, mit anderen Werken sozial zu sein, kann die Zufriedenheit der Mitarbeiter verbessern. Es hilft ihnen auch, sicherer zu sein. Anstelle eines einzigen Satzes von Augen können zwei Paare Probleme und Gefahren in dem Bereich, in dem sie arbeiten, leicht erkennen. Noch wichtiger ist, dass im Notfall ein Kumpel zur Stelle ist, um sofort Hilfe zu leisten. Dies kann verhindern, dass der Notfall noch schlimmer wird. In der Industrie sind auch schwere Lasten häufiger. Ein Arbeiter sollte niemals selbst schwere Lasten tragen müssen. Stattdessen sollte ein Gerät verwendet werden. Wenn die Ausrüstung nicht verfügbar ist, kann ihr Kamerad sie bei der Ladung unterstützen. Buddysysteme sind für die Verbesserung der Sicherheit unerlässlich.… Read More
Planning an event is not an easy task. This is especially so if attendee productivity is required. In such cases, internet connectivity network must be flawless. Only a few companies are able to guarantee such high-level internet connectivity. Through TradeShowInternet’s temporary 4g internet, event organizers can get temporary high-speed internet connectivity. The company has offered their services in big corporate events for big companies previously. They have gained experience over the years and that is why Trade Show Internet is among the top internet service providers. Some of their clients include MTV, Disney, and Toyota.
Trade Show Internet offers rental products, event bandwidth and event IT services. Event organizers will benefit a lot form their services. For any event wifi solutions, Trade Show Internet will ensure that they deliver the expected level of service. It is good to note that the company takes responsibility for the success of your event right from the start. They offer service guarantee and IT support. They are actively involved in on-site network design and deployment among all other services listed below. During the event, all attendees will be provided with high speed wired and wireless network. This ensures that there is no risk of network failure. If you want your event to be a success, ensure that you get internet connectivity solutions form Trade Show Internet.… Read More
If you already have a new business or want to make a business, there are two basic types of business, namely business to business (B2B) and business to customer (B2C). Both B2B and B2C have very different types of effective content strategy, business models, ranging from the customer segment, marketing strategy, capital, to how your business plans in the future.
Now we will try to explain first what is the difference between B2B and B2C, then we will discuss how different marketing strategies are. In addition, we will also discuss how B2B and B2C marketing tips are then how to sell the business to the company. But before that, in order, the Writer team will invite you to know what B2B and B2C really are.
What is business to business or B2B?
Business to business or B2B are transactions that are carried out electronically or physically and occur between business entities one to another. When you see what is thick, B2B is the sale of the product or service provided by the business and is intended for other businesses, not the customer.
For example, you have a culinary company engaged in catering. Then because the business you have is a large enough catering business, so you have a target market for the company. So your catering service is for companies that have quite a lot of employees, this is called B2B because your business or service is for other companies. If your catering business is for individuals or groups, that means your business is business to customer, not B2B.
What about business to customer or B2C?
The opposite of B2B, business to customer or B2C is a business that performs services or sales of goods or services to individual customers or groups directly. In other words, the business that you do is directly related to consumers, not companies or other businesses.
For example, suppose you have a basic food business. When you sell goods to individual consumers, that means your business is B2C aka business to customer. But if you sell large quantities of groceries to other businesses, that means your business is B2B, not B2C anymore.
Broadly speaking, almost all B2C products can become B2B products, but B2B products are very little used by individual consumers directly. For example, your catering business cannot be sold individually, but you can sell basic food businesses with fellow businessmen.
Now about the differences between B2C and B2B marketing strategies
After knowing the fundamental differences between B2C and B2B, we will now discuss how different marketing strategies are. Marketing strategies have significant factors to business continuity because when you make a marketing strategy wrong, your business can lose a lot.
If you look at risk, a business or product from B2B has a greater risk than B2C. Because the product you produce must be in sufficiently large quantities, the maintenance and manufacturing costs that you have to spend are also slightly larger.
We will take the example of a catering business (B2B), the … Read More
Are you a health-conscious person or one in which anything goes? If you are living on your own, anything goes, probably however, if you have a family then you probably want what is best for them. If you are serious about the health of your family then you seriously need to stay out of the fast food lane. I know what you’re thinking, you live a busy life of work and soccer practice and don’t have time to cook healthy meals. Perhaps however, this is not a good excuse. Are you really making excuses as to why you can’t make healthy food for your family? Truth is, many of us suffer from being too busy to take time to make a great dinner. Problem is, those trips to the fast food lane every night can lead to an array of health problems including diabetes and obesity. I’m sure you mean to eat healthy but when you are short on time and have to feed the family, guess what, it’s pizza again kids. If you need a little help in the healthy dinner time food preparation department than we may be able to help. According to an article on Fitness the ten healthiest foods are: Avocados, Broccoli, Beans, Dark Chocolate, Garlic, Lemons, Potatoes, Salmon, Spinach, and Walnuts. If you can make a meal a day that contains any of these ingredients than you will be on your way to improving your health as well as the health of your family. From cancer fighters to immune system enhancers, all of these foods contain the necessities of a long and healthy life.
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Have you just landed an interview for what could be your dream job? Congratulations for taking the next step in advancing your career! No doubt you are full of anticipation, excitement and quite possibly a case of nervous jitters. Remind yourself that you would not have been scheduled for the interview if your qualifications and experience level did not meet the requirements for the position. The interview process is a two-way street. Not only is the hiring manager attempting to determine if your temperament, career goals and motivation are a match for the company culture and requirements of the position, but the interview is also an opportunity for you to determine if the company’s culture, position as outlined and growth opportunities are a good fit for you.
One of the most important things to wear to a job interview is a quiet self-confidence and genuine smile. You will only have one chance to make a first impression. Take this opportunity to invest in a well-tailored jacket and a pair of classic trousers or skirt in a dark navy or black. Bypass loud colors and excess bling and leave them for the weekend parties. Take advantage of the awesome deals offered by Groupon coupons and spend time with a professional cosmetologist at your nearest Ulta store to learn about new make-up products and applications to give you a fresh, polished and professional look.
Finally, take the time to conduct thorough research on the hiring company. Bring up the company’s website where you’ll learn about the products or services, company culture and quite possibly industry positioning. Check out any online reviews available from clients, employees or former employees. From this research, you’re bound to garner several questions. Pose these questions to the hiring manager as the opportunity presents itself in the interview. The hiring manager will get a sense of your interest in the position based on these questions and how thorough the research is that you’ve conducted. Hand-write a note to the hiring manager following the interview thanking them for their time and reiterating your interest in the position. Best of luck to you!… Read More
Mib 700 provides expert assistance and education for those who wish. They will walk with their client all along the way from novice to professional. Throughout this trip of trader education they will give their student clients access to Commodities, Forex, Indices, and Shares. Its trading platform is constantly changing and has forms in the U.K., Asia, and Europe. And, of course, it practices Forex trading right here in the U.S. Relatively recent big changes have come about in this U.S. Forex climate, namely very important regulations. These regulations include low leverage limits and less access than before these regulations to over-the-counter products.
Girded with all of the latest trading tools and the best professional expertise, Mib 700 is well capable of working with these U.S. regulations or the regulations of any other of its client countries. And these professionals are exactly that—trading professionals. Before Mib700.com hires anyone to any position, they make sure that that person is fully knowledgeable of the trading world. Its customer support is ready and willing to assist customers with whatever quandary they face in their specific country.
Mib700 also puts enormous emphasis on its security. It is proud to provide its many clients with the latest, cutting-edge security technology. This includes having isolated servers and only doing business with banks that also have top-of-the-line technology. This is why it is so incredibly popular and why its clients so often have oodles of peace of mind. There several other imperative qualities of Mib operations: 1) They are fully license in the trading world, 2) they work with several different kinds of international currency, 3) they give their clients access to markets all over the world, 4) their banking system is super efficient, with maximum smoothness in both deposits and withdrawals, 5) they provide around the clock care for their clients.
The customer support knows every single little detail of even the most complex Forex systems. Mib700 utilizes the number one platform for forex trading, which is Meta Trader 5. It is also considered the best trading platform for Futures, Forex, CFDs, and Stocks. In addition Meta Trader 5 is designed to be fully accessible from smartphones and tablets so that you can trade no matter what you’re doing (unless you’re underwater). But that is only the beginning. This platform has a massive amount of helpful features; too many to list here.
The MIB700 instructors seek also to show their clientele the all-important philosophies behind trading. This philosophy in turn helps them to form trading strategies that pave the way for a successful future. Even veteran traders find that they benefit from the massive knowledge and toolkit of Mib. However, remember that you don’t have to be even close to considered a veteran trader or very good at computers. MIB works with anyone who wants to use their resources. Their staff is waiting for calls from prospective customers.… Read More
Over the years, forex trading has taken a different turn from what has been happening in the past. People have embraced online forex trading, and it is paying handsomely for those that choose to follow the right ways of doing trading.
To trade, a user should have a broker with whose he will place the trades. The agent will take a commission of the gains, and the rest of the amounts go to the trader. FxTrade 777 is a trade broker that performs all the functions that are expected of an agent. In FxTrade 777, you are given the appropriate knowledge you need to understand the working of the forex market. FxTrade 777 gives you how to trade and the leading indicators that people look at when they want to make money from trading. However, it should be noted that the signs change with time and personal preference may differ. What works for me may not necessarily work for you. Therefore, you should look for indicators that suit your way of doing business.
FxTrade777 has different types of accounts that a trade can hold. There is the standard account of $1,000, the gold at $5,000 and the VIP account for $25,000. It is a personal choice, but it is advisable to start with the standard account. After monitoring your trading progress, you can upgrade to Gold and VIP accounts and make more money. A person who is still in the academy is discouraged from proceeding to Gold membership.
In the standard membership, funds can be withdrawn in 7 days compared to the five days and two days for Gold and VIP memberships respectively. Therefore, each group has its specific advantages and more will be read from FxTrade777.com.
FxTrade777 offers various products apart from forex. They also trade in stocks, commodities, indices and CFDs. The choice of what to engage in depends on the traders, and he can choose any other or better still most of them. Each of the options has the merits and demerits and risks that are specific to them. However, the bottom line is that one needs to understand his trade and get the most knowledge. Also, the ability to make the decision to proceed or stop plays an integral role in your success.
The trading company offers various trading tools that will assist in your trading. They have the PIP calculator, the economic calculator, the Fibonacci and Pivot calculators. Apart from the trading tools, the trader agent allows for the use of the web trader and meta trader 4. The platforms are widely used by many traders across the world, and they are easy to use and navigate. Meta Trader 4 can be used on desktops, laptops and they have a mobile phone application.
FxTrade777.com offers trading services to all that are interested in learning or simply undertaking trades. They spice it by giving quality trading education in their trading academy. After trading, you have various options for getting your cash. You can be paid … Read More