Tuesday, September 3, 2013


Friday, September 14, 2012

Resume Tips

How To Make A Resume

Writing an effective and creative resume that gets results can be a daunting task. But if a few of the simple things are taken care of, your chances of being shortlisted for the interview enhance significantly.

Here are a few of the tips that will be immensely beneficial for any candidate, irrespective of the industry or organization to are applying to. These are some basic things that make a lasting impression:

  • Determine your job search objective prior to writing the resume and structure the content of your resume around that objective only. If you write your resume without having a clear objective in mind, it will come across as unfocussed to those who read it.

  • You don't need to go into detail about every accomplishment. Strive to be clear and concise. The purpose of your resume is to generate enough interest in you, to have an employer contact you for an interview.

  • The language should be simple, the flow of language lucid and grammar absolutely correct. The format must be chosen carefully and consistency should be maintained through out. Use a font size no smaller than 10 point

  • To improve the presentation and comprehension, use bulleted sentences. Resumes are read quickly (a resume gets an attention of 30 sec on an average) This bulleted sentence format makes it easier for someone to quickly scan your resume and still absorb it.
  • To add life to your resume, use begin with action words like prepared, developed, monitored, and presented.

  • Take the time to determine which bullets most strongly support your job search objective. Put those strong points first where they are more apt to be read.

  • Use the key words listed in the ad (where the vacancy is advertised) and match them with the contents in your resume, highlight your suitability for the job profile.

  • Use some technical jargon, specific to your industry. If there are terms that show your competence in a particular field, use them in your resume.

  • Accent the positive and leave off negatives and irrelevant points. Lead with your strengths. Focus on the duties that support your objective.

  • Rather than going into depth in one area, use your resume to highlight your breadth of knowledge.

  • If you have reported to someone important such as a vice president or department manager, say so in your resume. Having reported to someone important causes the reader to infer that you are important.

  • Limit the length of your resume to 1-2 pages. Help the reader to scan your resume efficiently and effectively.

  • Since you are so close to your situation, it can be difficult for you to hit all your high points and clearly convey all your accomplishments. Have someone review your job search objective, your resume, and listings of positions that interest you.
Use your resume to obtain an interview, not a job. Most prospective employers decide whether or not they want to interview you after reading the first few lines.

All the best ......


Wednesday, August 22, 2012

indian tax schedule

Income tax slab 2012-2013

March 16, 2012 by financeminister

Tax exemption limit raised to Rs 2 lakhs and tax rates has changed for other slabs too.
Find the latest income tax slab for Year 2012-2013 based on the budget presented on 16 March 2012.
Use our Free income tax calculator for getting an idea of how much tax you will be saving compared to last year per the latest tax rates.

India Income tax slabs 2012-2013 for General tax payers

Income tax slab (in Rs.)Tax
0 to 2,00,000No tax
2,00,001 to 5,00,00010%
5,00,001 to 10,00,00020%
Above 10,00,00030%

India Income tax slabs 2012-2013 for Female tax payers

Income tax slab (in Rs.)Tax
0 to 2,00,000No tax
2,00,001 to 5,00,00010%
5,00,001 to 10,00,00020%
Above 10,00,00030%

India Income tax slabs 2012-2013 for Senior citizens (Aged 60 years but less than 80 years)

Income tax slab (in Rs.)Tax
0 to 2,50,000No tax
2,50,001 to 5,00,00010%
5,00,001 to 10,00,00020%
Above 10,00,00030%

India Income tax slabs 2012-2013 for very senior citizens (Aged 80 and above)

Income tax slab (in Rs.)Tax
0 to 5,00,000No tax
5,00,001 to 10,00,00020%
Above 10,00,00030%
The income tax slab for year 2011-2012 can be found here - Income tax slabs

Magazine Advertising

Magazines published in the latter half of the nineteenth century were targeted towards special interest audiences and carried very little advertising. Most magazines of this time were either literary, or religious in content. Before the advent of radio, magazines were an important advertising medium for many businesses.
Magazines are considered as the most specialized of all the advertising media. The magazine industry has often been described as “survival of the discriminating.” The number of magazines has increased steadily to serve the educational, informational, entertainment and other specialized needs of consumers, business and industry.
Availability of a wide variety of magazines makes them quite an appealing medium to a very large number of advertisers. Magazine advertising is equally popular among large and small companies. Their higl1 interest readers are usually willing to pay a premium for the magazines.
As pointed out earlier, the role of magazines is different in the media plan of an advertiser. Magazines allow the presentation of detailed ad messages along with beautiful reproduction of photographs, graphics and colors. Magazines are comparatively a more high-involvement form of print medium than newspapers, as they are read in a leisurely manner and are not dumped or thrown after reading as happens in case of newspapers.
Magazines can be classified in various ways but the most important classification can be in terms of their editorial appeal or the type of readership they attract.

Finance articles

Price to Earnings Ratio

The most popular ratio used to assess the value of the equity is the company’s price equity ratio abbreviated as P/E ratio. It is calculated as the ratio of the firm’s current stock price divided by the earnings per share (EPS). The inverse of the P/E ratio is referred to as the earnings yield. Clearly the price earning and the earnings yield are required to measure the same thing.  In practice earnings yield less commonly stated and used than P/E ratios.
P/E Ratio=  Market Value per Share/ Earnings per Share (EPS)

Factors that Influence a Company’s P/E Ratio

The P/E ratio used in the business valuation is influenced by the following factors:
  1. P/E ratios for a group of companies tend to change little from one period to the next. Therefore an investor cannot expect a dramatic change in the future P/E ratios. The future level of the P/E ratio can be viewed as the function of the current P/E ratios or the average P/E ratio over the same period of time.
  2. The P/E ratio is a function of future expected earnings the higher the growth rate of earnings the higher will be the P/E ratio. An investor will be willing to pay a higher price forth-current earnings if the earnings are expected to grow at a much higher rate.
  3. A normal P/E ratio for the market is difficult to determine. A normal P/E ratio is established for each company but it can be compared to the market P/E to give some idea of risk. The higher the P/E ratio the higher is the risk. This is true inspite of the fact that the investors are ready to pay more.
  4. Inflationary conditions tend to reduce the P/E ratios.
  5. Higher interest rates tend to reduce the P/E ratios.
  6. The level of P/E ratio is not an absolute one but a relative one.
  7. Speculative companies and cyclical companies tend to have a lower P/E
  8. Growth companies tend to have a higher P/E
  9. Companies with larger portion of debt tend to have a lower P/E
  10. A company that tends to pay a higher dividend tend to have a higher P/E
  11. P/E ratios can change radically and suddenly because of change in the expected growth rate of earnings. Therefore the greater the expected stability of the growth rates the higher the P/E ratio.
  12. An investor should examine the trend of the P/E ratio over time for each company.
  13. P/E ratios vary by the industry.