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Business Intelligence And Its Applications In A Business Set Up

Business intelligence is a oft-quoted term used by management wizards to help enterprises make better decisions that can be beneficial to the development of business. It consists of a broad category of applications each designed to make the maximum use of the available resources to help in establishing the purpose for which the business was established.Business intelligence applications can be important to the operation of the enterprise either to achieve a specific requirement or it can be more...
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How To Plan Your Budget

Budget planning is all about identifying different sources of income of any individual or organization. This is usually determined after taking into account all current expenses and future expenditure which will be incurred in order to meet the financial goals. The main aim of any budget planner is to have considerable savings after allocating all spending. The more savings he plans the better is said to be his planning. The crucial question which arises here is how is a budget planned?A budget ...
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How to Budget Your Money

We all dreams to have the best of relations with money, but alas, most of us find trouble in managing their relationship with money. Then only we look for someone to patch up these bad relations and there comes the idea of having money on credit and we fall in traps of Debts. But, trust me there are still better ways to patch up those relations, simply by means of Budgeting our finances. Yes, you read it correctly; indeed, Budgeting is an exercise we all need to manage our good relations with money...
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Investing in Bonds and Information

If you are looking to spread your investment over a variety of instruments, then you must ensure that bonds  form a part of your investment plan. To create a portfolio that matches your needs and expectations, over long term and short term period, you can choose from a wide variety of individual bonds. Individual bonds are traded in the OTC markets. Some bonds, especially corporate bonds are also traded on the New York Stock Exchange.Bonds can be brought from the primary markets when they are first...
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Ways to Stabilize Your Portfolio with Bond

The common misconception about bonds are that they are good only for the old investors or for those who believe in a conservative approach towards investment. The truth is far from it. The fact is that for a portfolio that is properly balanced, bonds are a very important component. Not only at the later stage of life but at every single stage of investment, bonds play a crucial role in imparting a sense of security and balance by downsizing the risk element.Bonds are important to a portfolio because...
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Filing For Bankruptcy A Second Time

When the financial condition of an individual is on a decline and the pressure of debts becomes overwhelming, then one is forced to think of bankruptcy, in order to get relief from the adverse financial tensions.But, after passage of time, if the finances again started to slide down you will have to plan for saving whatever you’re left with. You may apply for a second bankruptcy with the court of law, in order to seek protection.You will have to prove that it is the last resort for your and there...
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Financing Options For Bad Credit Borrowers

The recent global recession had affected every individual, directly or indirectly. The inflating prices and limited income had compelled many salaried people to borrow loans from various sources.However, most of them fail to repay the loan and become defaulters. They are branded as ‘bad credit’ and least preferred by most lenders when they seek loans in future. However, your ever increasing needs for money can be fulfilled with bad credit financing option like bad credit personal loans and payday...
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Five Steps In Using HDFC Internet Banking Facility

HDFC is one of the largest banks in India. It offers various services such as bank accounts, loans, mutual fund investments, online trading account to its customers and so on. Like every other bank HDFC bank also provides internet banking facility to its account holders.Internet banking facility helps account holders to perform various banking transactions such as verification of account balance, transactions, transfer money, make online payments, open a fixed or recurring deposit and so on. To ...
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Five Steps To Easily Calculating A 20% Tip

It is quite common for us to leave a tip after having a breakfast, lunch or dinner at a restaurant. Tip is any amount that is paid in excess of the bill amount.Generally there is a confusion as to what amount should be left as tip. Some individuals may prefer to leave a fix amount while others may prefer to leave a certain percentage of the bill amount.Let Us Discuss Important Steps In Calculating A 20% Tip.a)   Request For Bill:After completing food, we generally request for the bill. Bill is requested...
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How to Save Money on Groceries and Food

When it comes to trimming the fat off the food bills, you can easily save up to $300 or even more by just being a little careful with your grocery shopping strategies. In order to save money on groceries, you do not have to eat less. Instead, you just have to take care of a few things to avoid impulse purchases.Whatever food products you buy, you must make sure that you really need it. Besides that, there are also plenty of ways to avail special discounts, such as through coupons. Following are ...
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Four Important Differences between Cash And Debit Card

Cash represents the amount of money that is available with an individual at his/her home or in a bank account. Any amount of cash deposited in a bank account increases the balance in the account.Money in bank account can be used directly for making payments through checks or online transfers. Similarly cash can be withdrawn from the bank account using the check facility provided by the bank. Nowadays, most of the banks provide a debit card (also known as ATM card) to their account holders. This ...
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Online Savings Accounts

Virtual banking has become popular as people appreciate the convenience of transferring money online. People with low incomes can put as little as a $1 in their account. Customers often find that capital one savings gives them higher interest rates than its competitors. Interest rates vary depending on your balance. You will likely receive more interest if you have $10 000 than if you have $1000 or less in your account. More interest suggests that you will be able to save quickly and easily.If you...
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Cardinal Theory Of Consumer Behavior

Cardinal theory of consumer behavior is an economic concept which analysis consumer choices, based upon satisfaction gained from consumption. It is a utility based theory which works on the assumption that satisfaction can perhaps be measured and based upon this quantum of satisfaction, buying decisions are taken. Util is the unit of measurement. Utility i.e. satisfaction from an item is naturally subjective.I might get more satisfied eating chocolate rather than consuming a fruit juice and thus...
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Credit Reporting Agencies

Banks and other lending institutions check your credit rating to see if you can repay your debt. They use credit reporting agencies who act on their behalf, as it saves time and money.Independent agencies use and manage data bases to provide an accurate account of individual and business customers.Interest rates are determined by a borrower’s credit history as well as saving and spending patterns. People with a dubious history will likely have to pay more interest than some one with a strong credit...
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Things To Consider Before Buying A Home

Everybody dreams of buying a home in a posh locality having top class facilities. When you come across your dream home while taking a stroll in the evening, you feel tempted to buy it. But you should do few things before buying a home with all your hard earned money.Consult an advisorTake the help of an advisor who knows the exact value of the house you are interested in buying. Check whether the owner is quoting the right price of the house or not. It might be possible that the owner may sell you...
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How To Save Money And Secure Your Future

Married life can be a happy married life if both the partners take all the decisions mutually, but if it is question of financial planning then only husband is made responsible for the financial planning. This is not right even the wives should take active part in financial planning.Mutual consent of both the husband and wife in any financial investment is very important and both of them should have correct knowledge about the investment. After marriage there are so many things like buying car, ...
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Different Ways to File the Bankruptcy & Tips for Filing Bankruptcy

(1) Consider of All The AlternativesFiling bankruptcy should always be the last choice, as it will remain on your credit file for up to ten years. Pursue it after careful consideration of all alternatives. The new bankruptcy abuse prevention and consumer protection act of 2005 necessitates consumers to receive credit counseling from an entity approved by the U.S trustee within 180 days of filing.Such counseling provides an individual with alternatives such as non profit debt consolidation which...
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Ways Your Improving Credit Score & How to Improve Your Credit Score

For approaching a financial institution with a loan request, a good credit score is very important. Lenders consider your loan request only when your credit score is good. Credit score is the rating that the credit bureaus give on your credit report.The score they give as grade allow the lenders to know, whether or not you are a good candidate for them to lend money or are you eligible for having a credit account. If you have a low credit score, you need to improve and raise your score with a systematic...
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How To Build Wealth

If you wish to have a self sufficient and successful life, you need to build wealth for your future. You have to be responsible enough so that you can make adequate savings of whatever you earn. Here are some rules which might open your eyes and help you to avoid some traps which might prevent you from building wealth as much as you want.One of the crucial financial decisions a person makes in his life is related to his marriage. It is important that you become financially independent before you...
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