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Get Thrilling Experience in Maui Vacation Homes

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Flying from Kolkata to Chicago is easy with low fare airlines


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US June trade deficit biggest since 2008 at $53.1 bn - The Economic Times

American producers sold fewer industrial engines, electric generators and farm products to the rest of the world in June, pushing the trade deficit to the highest level since 2008 and dealing another blow to an already struggling economy.

The deficit rose 4.4 percent to $53.1 billion in June, the largest imbalance since October 2008, the Commerce Department reported Thursday. Imports fell 0.8 percent to $223.9 billion as crude oil prices fell for the first time in nine months. Exports dropped 2.3 percent to $170.9 billion, the biggest decline in more than two years.

The drop in exports, the second in a row, was a blow to hopes that rising overseas demand will boost the fortunes of American manufacturers in the face of a slump in spending by US consumers. The concern now is that a global slowdown will hobble a US economy that is in danger of stalling out.

The deficit through June is running at an annual rate of $576.6 billion, 15.3 percent higher than the 2010 imbalance. A higher trade deficit subtracts from overall economic growth because it means consumers are purchasing more foreign-made goods and fewer products made by US workers.

The big rise in June's deficit came as a surprise to economists who had been forecasting an improved deficit based on their belief that oil prices would fall, lowering imports, while exports would recover from a May decline which had been the first setback after 10 monthly gains.

Instead, exports tumbled by the largest amount since a 5.1 percent plunge in January 2009 as the global economy was in the grips of a deep recession.

The weak June trade report was the latest in a string of disappointing economic statistics raising concerns that the US economy could be in danger of toppling into another recession. The economy slowed to an annual rate of just 0.8 percent in the first six months of the year, the slowest period of growth since the recession officially ended two years ago. In June, consumers cut spending for the first time in 20 months and saved more while wages were barely growing and unemployment remained above 9 percent.

The deficit with China shot up by 6.8 percent $26.7 billion in June, the highest since September 2010. The deficit with the European Union rose 12.2 percent to $9.8 billion, the worst imbalance since July 2008. The deficit with Japan climbed 53 percent to $4 billion. Imports with Japan had been reduced in previous months following the March natural disasters which disrupted production at Japanese auto plants and other factories. As Japanese factories have resumed more normal operations, shipments to the United States have been rebounding.

Oil imports fell 4.3 percent in June to $38.2 billion as the average price of a barrel of crude oil fell to $106, down from $108.70 in May. It marked the first decline in crude prices in nine months.




US June trade deficit biggest since 2008 at $53.1 bn - The Economic Times

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U.S. stocks follow global stocks lower - USATODAY.com

Worries about the downgrade of U.S. debt and a possible recession in the USA outweighed relief at aEuropean Central Bank pledge to buy up Italian and Spanish bonds to help those countries avoid defaults.

A key concern is how much the U.S. debt downgrade will contribute to global uncertainty, causing investors to sell stocks and hang onto their cash, hobbling the global economic recovery.

European markets lost early momentum and most were trading sharply lower ahead of the opening of U.S. markets, when traders will have their first chance to respond to Standard & Poor's decision to lower its triple A rating for the U.S.

Investors remain worried about the state of the world economy and policymakers' ability to deal with the European debt crisis, said Neil MacKinnon, global macro strategist at VTB Capital.






U.S. stocks follow global stocks lower - USATODAY.com

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Stock prices fall after U.S. credit downgrade - latimes.com

The Dow Jones industrial average quickly fell more than 200 points after the markets opened Monday morning, Stock marketbut then quickly made up some of the losses on the first day of trading after the United States lost its AAA credit rating with Standard & Poor's.

Investors had been nervously awaiting Monday's market opening after Standard & Poor's made its announcement Friday night. Overnight, leading stock indexes in Europe and Asia fell more than 2%.

Over the weekend, Dow futures contracts were trading down nearly 250 points. The New York Stock Exchange invoked rules that allow for smoother trading when heavy activity is anticipated.

The Dow quickly fell 245 points after the opening bell but more recently was trading down 219.79 points, or 1.9%, at 11,224.82.

The Standard & Poor's decision was not expected to force any technical changes in how the markets operate, particularly given that the other two major credit ratings agencies have maintained the U.S. at the top grade. But the move has rattled investors who are already nervous about recent economic data pointing to an economic slowdown.

Markets have fallen nearly every day for the last two weeks and are now below where they began the year.

Just before the markets opened, Vincent Farrell, the chief investment officer at Ticonderoga Securities wrote to clients: "What I hope is for the market to fall significantly on the open, stabilize, run up, fall down, and run up again at the end of the day. The only part of that I have any confidence in is the fall on the open part."

With the United States' credit risk being judged lower by Standard & Poor's, Treasury bonds might have been expected to lose some of their luster. However, investors still appear to be using Treasuries as a haven amid global economic turmoil. The yield on the 10-year Treasury bond was down 1.1% on Monday morning, indicating that there was heavy demand for the bonds.

Gold, another haven, also saw its value rise nearly 3.1% on Monday morning.

Beyond the U.S. credit rating, investors are concerned about the longer-term prospects of the U.S. and European economies. On Sunday, the European Central Bank announced that it will initiate a program to buy the bonds of member countries in an effort to prop up the European economy.











Stock prices fall after U.S. credit downgrade - latimes.com

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Cisco to cut workforce by 11,500 in 2011

The company also plans to sell its manufacturing facility in Juarez, Mexico , to Foxconn and transfer 5,000 employees to the contract manufacturing company as part of the deal.
 Cisco Systems plans to cut its workforce by 11,500 employees as part of its plan to cut annual expenses by $1 billion and revive its business.
Cisco said on Monday that it would cut 6,500 employees. Of those, 2,100 employees will take early retirement.
Analysts had predicted thousands of job cuts after Cisco said in May that it planned to reorganize the company which has been losing ground in the network equipment business. The company announced more cuts than some analysts expected.
The job cuts will result in pre-tax restructuring charges "not expected to exceed $1.3 billion over several quarters," the company said.

http://in.finance.yahoo.com/news/Cisco-cut-workforce-11-500-reuters-2235746696.html
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The Advantage and Disadvantage of School Loan Consolidation


Do you have overlapping loan bills that flood your mailbox monthly? Aren't you getting tired of paying high interest rates in your every loan while stretching your allowance? As a student, you don't need to suffer beyond your academics and other activities in school. In order to end your financial agony, you should consider about getting school loans consolidation.
A school loan consolidation is way to properly manage your loans without getting burdened. There are many people especially college students who are experiencing painful monthly payments of their loans. A loan consolidation loan could be tremendously helpful if you ran up your credit cards while you were in school, or if you have a several high interest loans such as student loans, car loan and others. This will allow you to combine high interest loans into one payment.
There are advantages and disadvantages in school loans consolidation. Some of the advantage of loan consolidation is that you would have an easier time in making your payments. All of your credit bills would be listed as one therefore giving you just one time to pay for them. You can also avoid paying for late fees and extra charges. There are private lending companies that charges the borrower extra fees aside from the regular fees that you owe them. If you have consolidated your loan, you would only pay one extra fee under one bill instead of multiple fees.
Finally, the bad credit record that will result when you can't afford to pay the loan bills anymore. If you have plenty of loan bills to pay, you would most likely forget to pay some of them. Because of that, you would leave bad impression on lending companies that would lead on having a bad credit score. School loan consolidation can prevent that from happening.
Of course, there are disadvantages with using some consolidation programs. According to some people, debt consolidation is not the answer. To begin with, it can be very difficult finding fair interest rates. Common sense tells us that if the rate on your new loan isn't any better than the rate charged on your current loans, consolidating your loan wouldn't make sense. It would still be better for you to pay up all the loans the old way.
Another disadvantage on school loan consolidation is that you still owe the lending companies the same amount of money. The only difference is the length of the payment term. If the payment term is longer, this could leave you paying more interest. In addition, availing consolidation usually costs the borrower. You would only end up paying more than you should.
Availing the school loan consolidation program would all amount to your wise decision. Before deciding, you should arm yourself information about the advantages and disadvantages of this program. You can only avail the loan consolidation once so you should be very careful in order to prevent facing adversities in the future. Consulting a professional financial adviser would help you balance the situation that you are in.
Hopefully that will get your started with some good information but if you would like more, just visit School Loans Consolidation today!


Article Source: http://EzineArticles.com/4309119

School Loan Consolidation


Before getting your school loan consolidated, you need to have thorough information about school loan consolidation process. The main aim of school loan consolidation programs is to handle your finances proficiently by offering you number of flexibilities and advantages. These loans make it convenient to make your payments to one lender and improve your credit scores by reducing monthly payments.
Loan consolidation programs are meant to create new consolidated loans and to bring multiple loans under one debt. These programs make your loan repayment possible by combining several types of educational loans into one new loan. The major benefit of loan consolidation is the low interest rate which make borrower's less likely to default on a loan. The monthly payment amount on a consolidated loan is usually low and you are permitted to make your payments once in the month. Additionally, the amount of time to repay may be extended beyond what was offered in last loan programs. These features make the payment of your loans more convenient and manageable.
After taking your decision to get your school loan consolidated, you need to see which category you fall in.
  • Both students and parents are eligible to get their loans consolidate but not under one package.
  • Married students cannot get their loans consolidate together. Each of the spouses is responsible individually for the payment.
  • You can consolidate your school loan during your grace period, but not if you are still in school.
  • Loans that are in default can be consolidated but should have a satisfactory repayment arrangement.

Before getting your loans consolidate, you need to find how many consolidation programs are available and which will suit your credentials the most. The two major types of loans are; federal consolidation loans and private consolidation loans.
Federal consolidation loans are further divided into two major categories, namely, Federal Family Education Loan (FFEL) program and the Federal Direct Loan program.
Federal Family Education Loan program offers loan from private lenders. These loans are guaranteed by the guarantors and reinsured by the federal government. 4 types of federal consolidation loans are available:
  • Stafford (Subsidized): In this loan the interest being accumulated is paid by the federal government.
  • Stafford (Un-subsidized): The interest that is being accrued is payable by the student even if he is enrolled in school.
  • PLUS: These loans can be used by the parents with a good credit history, so they can pay for their child's educational expenses.
  • Perkins: These low interest rate loans are suitable for needy children who want to continue their education.

US department of education have introduced Federal direct Loans for the convenience of the students. This program offers the following loans:
  •  Direct Subsidized Consolidation Loans: These loans are eligible for interest subsidies, such as subsidized FFELP and Direct Loans, and Federal Perkins Loans.
  • Direct Unsubsidized Consolidation Loans: These loans are not eligible for interest subsidies. If you want any of your unsubsidized loans to be consolidated, then you will receive an Unsubsidized Direct Consolidation Loan.
  • Direct PLUS Consolidation Loans: These loans combine FFELP PLUS and Direct PLUS loans.

After selecting a good consolidating package, you need to look for a trustworthy lender. It is of vital importance to find out about the reputation and credibility of the consolidating company you are going to deal with. Here are few relevant questions which will help you evaluate the status of the company.
  • o What are the special features of their consolidating package?
  • o Since how many years they have been in this business?
  • o What benefits or discounts the company offers?
  • o Their consolidation program is enrolled under federal loan or the private loan?
  • o How much do they charge for the application processor is it free of cost?

After selecting a consolidating company according to your requirements, ask for their information package either by post or by e-mail. If you agree to their terms and conditions mentioned in the form, sign it and send it back to the company. Then the company verifies your pending debts from your previous lender. They send the check of the amount payable by you after receiving a verification certificate from the lender.


Article Source: http://EzineArticles.com/961408



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economy-fix-ideas-around-world-businessweek: Personal Finance News from Yahoo! Finance

Countries as diverse as Germany, Brazil, Singapore, and Thailand can offer ways for the U.S. to shore up its economy.

Democrats and Republicans are dug in like soldiers at Verdun over what to do about the sputtering U.S. economy. Exhausted by the political stalemate, they've been reduced to magical thinking, hoping that things will eventually get better by themselves. But time isn't on America's side. The country is suffering its highest average duration of unemployment since at least 1948. "The longer this goes on, the greater the danger that the cyclical downturn becomes structural. People and things that lie idle start to lose their productive value. Then you're into all sorts of troubles," says Karen Ward, senior global economist at HSBC Holdings (NYSE: HBC - News) in London.

More from BusinessWeek.com:

The U.S. Economy's 'You First' Problem

The Youth Unemployment Bomb

How to Fix the Economy: An Expert Panel

It may finally be time for Americans to consider ideas from a place that they don't usually look to for inspiration: the rest of the planet. The U.S.'s economic predicament does present some unique dilemmas. The Obama Administration has already pushed hard on the levers that countries usually use to get out of a slump, to little discernible effect. Short-term interest rates are near zero and fiscal stimulus is aggressive, judging from a budget deficit of about 10 percent of gross domestic product. David Rosenberg, chief economist at Gluskin Sheff & Associates, a Toronto-based wealth-management firm, says of the U.S.: "We're basically in uncharted territory."

Maybe so. But there are guideposts that can help point the way out. The U.S., after all, is not the first country to wrestle with how to restart growth despite budget deficits that constrain big-spending solutions. The challenge is how to apply lessons from other countries to shore up American weaknesses, without sacrificing the strengths that make the U.S., for all its troubles, the world's biggest economy.

To prod the conversation forward, Bloomberg Businessweek scanned the world and found innovative economic ideas in countries as diverse as Germany, Brazil, Singapore, and Thailand that are applicable to America's mess. The focus was on short-term solutions, but since there aren't a whole lot of miracle fixes to be had, we also considered some longer-term reforms that create a better environment for years of sustainable growth.

There's no guarantee that all of these ideas would work in an American context. But it's clear that some fresh, non-ideological thinking is needed. Says Dow Chemical (NYSE: DOW - News) Chief Executive Officer Andrew N. Liveris, a Greek-Australian-American and author of the book Make It in America: The Case for Re-Inventing the Economy: "People in the U.S. confuse big government and small government as the only two models. What we need is smart government." By that he means government that puts business objectives ahead of politics. "Countries are competing like companies more and more," says Liveris. "In the U.S., we haven't caught up." Here are nine ideas from the rest of the world to get America back in the race:

From: Germany
Idea: Minimize mortgages

Germany has one of the lowest homeownership rates among wealthy nations -- around 46 percent, vs. two-thirds in the U.S. -- and also one of the most stable housing markets. Prices of owner-occupied housing in Germany are up 9 percent since 2003, according to the Association of German Pfandbrief Banks.

What's the German formula? Housing is less vulnerable to booms and busts because only highly qualified buyers can get a mortgage. Down payments are usually at least 20 percent, often 40 percent. Mortgage interest is not tax-deductible, as it is in the U.S., which also discourages excessive leverage. Germans are justly proud of their Pfandbrief, an ultrasafe bond whose collateral is a set of standardized mortgages whose loan-to-value ratio can't exceed 60 percent. The bank that sells a mortgage-backed Pfandbrief to investors retains all the risk of default, giving it the incentive to underwrite cautiously.

The lesson for the U.S.? Tougher lending rules would help lower the risk of another housing crash. And in the long run, Americans may have to accept a lower homeownership rate to pay for taking the boom and bust out of the market.

From: Brazil
Idea: Pay the poor

On June 2, President Dilma Rousseff announced a plan called Brasil Sem Miseria (Brazil Without Poverty) that aims to lift 16 million people out of extreme poverty, defined as household income of $45 or less per month. The plan calls for providing the poor with job training, legal documentation, electricity, literacy, medical treatment, day care, and sanitation. Even garbage pickers are covered: The program aims to integrate them into municipalities' recyclable collection.

America's poor are rich compared with Brazil's, but growing income inequality poses dangers to the U.S.'s economic health. "Some poor people are so far behind that they can't open the doors" to opportunity, says Brazilian Executive Secretary for Social Development Romulo Paes, a physician with a Ph.D. in epidemiology. Improving coordination of anti-poverty policies would help more low-income Americans get back on their feet and give a boost to the recovery.

From: Turkey
Idea: Open the doors

Is America still a land of opportunity for foreign investors? By some measures, yes. Foreign direct investment in U.S. companies, factories, mines, and land was nearly $200 billion in 2010, above its average for the preceding decade. Yet compared with Turkey, the U.S. looks unwelcoming. Turkey's Investment Support and Promotion Agency serves as a single point of contact for all permits, licenses, and land acquisition. It coordinates specialized training for the workers that multinational companies need and arranges for upfront tax breaks. Its staff can communicate in Arabic, Chinese, English, French, German, Italian, Japanese, Korean, Russian, and Spanish, as well as Turkish.

Dow Chemical CEO Liveris calls the agency a role model. "Today the U.S. is perceived as a risky place to do business by foreign companies," he says. Dow recently announced a joint venture with a Turkish company to make carbon fiber and derivatives for use in wind turbines and the like. A Turkey-style mix of tax incentives, language and job-training services, and legal assistance might persuade more foreign firms to invest in the U.S., creating jobs.

From: Canada
Idea: A worthwhile tax

With the 2012 Presidential election looming, the idea of springing any new taxes on the American public verges on heresy. But digging out of our fiscal hole will require the government to find ways to increase tax revenues one way or the other. For a start, look north. Unlike the U.S., Canada has a national sales tax -- the Goods and Services Tax, currently levied at 5 percent. Consumption taxes such as these are less harmful than a tax on wages and salaries (which discourages work) or a tax on investment (which discourages saving). Livio Di Matteo, an economist at Lakehead University in Thunder Bay, Ont., believes the U.S. could go a long way toward solving its budget problems with a national sales tax and a fatter gasoline tax. "The U.S. is a rich country," he says, "and its deficit situation is more a political rather than economic problem." Consumption taxes might be one "worthwhile Canadian initiative" that's worth a closer look.

From: China
Idea: Go green

Looking to China for economic lessons is a fraught proposition. China's authoritarian system allows the central government to play a role unimaginable in the U.S. Borrowing selectively from Beijing's playbook, however, can help revitalize American industry. China's 12th Five-Year Plan commits the country to world leadership in seven leading-edge industries, many of them connected to clean energy and the environment. An article released by the government's Xinhua News Agency cited unnamed analysts' estimates that investment in environmental protection alone will exceed 3 trillion yuan -- about half a trillion dollars -- from 2011 to 2015. By contrast, government-funded research and development in the U.S. is heavily tilted toward the National Institutes of Health. Innovations in the health sector may extend lives, but they could, perversely, increase health-care costs by producing costly new drugs and devices -- while delivering a smaller commercial payoff than the green industries on which China is focusing.

From: Australia
Idea: Give the kids a break

Beginning July 1, Australian pensioners will get improved "work bonuses" to find part-time jobs or stay longer in the workforce. Matthew Weinzierl, an economist at Harvard Business School, likes Australia's idea of varying tax rates by age, but he'd do it differently: Have tax rates rise steadily from age 25 to age 55. By paying lower taxes when they're young and more when they reach middle age, Americans would essentially borrow from their older, richer selves. Weinzierl didn't focus on the older workers targeted by Australia because he didn't want to complicate the analysis with retirement decisions.

The HBS economist estimates that varying income tax rates by age would generate social-welfare gains equaling 0.6 percent to 1.5 percent of annual U.S. consumption. That's in the range of $100 billion a year. A more efficient tax code would also encourage people to work more, generating wealth. But Weinzierl cautions that age-based tax rates won't end the slump: The big problem now is there's not enough work to be done.

From: Thailand
Idea: Cheap rooms!

To get its economy going again in 2009, Thailand doubled the tax deduction for domestic hotel stays as a way to encourage people to get out and spend money. It was only a small part of Thailand's recovery package, but it caught people's attention. In an e-mail, Thai Finance Minister Korn Chatikavanij says, "These measures helped with morale and 'bought time' for us to do 2 things: 1) employ the main stimulus measures which were investment-based and, 2) wait for export demand to pick up thru global recovery, which they did." The U.S. has already resorted to similar gimmicks to goose demand: The 2009 stimulus package included, among other things, tax breaks for purchases of RVs. But the slow recovery suggests that American consumers need more incentives to spend.

From: Singapore
Idea: Keep workers working

The famously efficient city-state was uniquely vulnerable to the worldwide economic downturn because it depends on global trade, which dropped off sharply. Yet Singapore's unemployment rate topped out in 2009 at just 3.3 percent. One factor was the Jobs Credit program, which pays employers to keep people on the payroll until demand revives. Other countries with similar programs include Belgium, Finland, Germany, and Japan.

That's not all Singapore does. Its SPUR (Skills Programme for Upgrading and Resilience) pays companies to train workers while they are idle instead of laying them off. Some workers are trained for jobs in fields their employer isn't even in. The government guides entire industries toward the future it envisions for them, says G. Jayakrishnan, Americas group director in New York for International Enterprise Singapore, a trade promotion agency.

Such a paternalistic government role would be tough for American companies to stomach. Yet in Singapore, says Jayakrishnan, "It really puts the country and the economy on the right side of things when the economy begins to pick up."

From: Israel
Idea: Swords into software

The U.S. is by far the world's largest spender on the military and intelligence. But the Pentagon could learn something from Israel about how to convert defense dollars into commercial products that can benefit the broader economy. Veterans of a single unit of the Israeli Defense Forces' Intelligence Corps have launched such successful ventures as Check Point Software Technologies (Nasdaq: CHKP - News), the network security software company; ICQ, the pioneer of instant messaging; and NICE Systems, which detects fraud. The secretive operation, called Unit 8200, serves as the corps's technology intelligence unit. Ido Aharoni, Israel's consul general in New York, says the closest thing America has is DARPA, the Defense Advanced Research Projects Agency. But no one in the Pentagon is responsible for getting commercial bang for military bucks. That makes it fertile ground for improvement.




Economy-fix-ideas-around-world-businessweek: Personal Finance News from Yahoo! Finance:

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MF Husain passes away ( dieDiein London

Renowned artist MF Husain, whose paintings made waves and also stirred controversies, passed away in Royal Brompton Hospital on Thursday. He was 95.

According to reports, Husain was being treated for fluids in his lungs. However, the exact cause of his death is yet to be known.

Husain was in a self-imposed exile since 2006 after some of his paintings of Hindu deities led to life threats and attacks. Husain eventually adopted the citizenship of Qatar.

The paintings in question were created in 1970, but did not become an issue until 1996, when they were printed in Vichar Mimansa, a Hindi monthly magazine.

In response, eight criminal complaints were filed against Husain. In 2004, Delhi High Court dismissed these complaints of "promoting enmity between different groups ... by painting Hindu goddesses - Durga and Sarswati, that was later compromised by Hindus".

In 1998 Husain's house was attacked by some Hindu groups like Bajrang Dal and his art works were vandalised.

In February 2006, Husain was charged with hurting sentiments of people because of his nude portraits of Hindu gods and goddesses.

A series of cases were brought against him and a court case related to the alleged obscene depiction of Hindu goddesses in his paintings resulted in issuing a non-bailable warrant against Husain after he failed to respond to summons.

Husain's initial success as an artist was in the late 1940s.

In 1947, he joined the Progressive Artists' Group, founded by Francis Newton Souza. This was a group of young artists who wished to break with the nationalist traditions established by the Bengal school of art and to encourage an Indian avant-garde, engaged at an international level.

In 1952, his first solo exhibition was held at Zürich and over the next few years, his work was widely seen in Europe and the US.

In 1955, he was awarded the prestigious Padma Shree prize by the Government of India.

According to Forbes magazine, he has been called the "Picasso of India". 


http://timesofindia.indiatimes.com/india/Maqbool-Fida-Husain-passes-away-in-London/articleshow/8785966.cms 

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Become A Mystery Shopper In Your Location Huntsville, Alabama

Job Post : Mystery Shopper In Your Location Huntsville, Alabama
Type Of Jobs: Part-time, Contract, Temporary

"We have a mystery shopping assignment in your area and we would like you to participate"Mystery Shopper(R) is accepting applications for qualified individuals to become mystery shoppers..It's fun and rewarding, and you choose when and where you want to shop. You are never obligated to accept an assignment. There is no charge to become a shopper and you do not need previous experience.
After you sign up, you will have access to training materials via e-mail, fax or postal mail.
ABOUT US
Mystery Shopper(R) is the premier mystery shopping company, serving clients across America and Canada with over 500,000 shoppers available and ready to help businesses better serve their customers. Continual investment in the latest internet and communication technologies coupled with over 16 years of know-how means working with Secret Shopper(R) is a satisfying and rewarding experience.
Secret shopping as seen on ABC NEWS, NBC NEWS, L..A.TIMES. Stores and organizations such as The Gap, Walmart, Pizza Hut, and Banks One amongst many others pay for Secret Shoppers to shop in their
establishments and report their experiences. On top of being paid for shopping you are also allowed to keep purchases for free.
Mystery Shopper(R) NEVER charge fees to the shopper. Training, tips for improvement, and shopping opportunities are provided free to registered shoppers.
Mystery shoppers are either paid a pre-arranged fee for a particular shop, a reimbursement for a purchase or a combination of both.
Mystery Shopper(R) has available for immediate assignment an inspection of the customer service of any Walmart in your area.You are to shop secretly and invest nothing. During this shop you will visit the location and make several observations as regards the customer service.
You will be required to interact with the shop clerk. You may conduct the shop alone or as a couple.The assignment will pay $230.00/ Assignment.
Kindly Fill Out the application form below and we will get back to you shortly with the assignment:

PERSONAL INFORMATION:
First Name.................................
Middle Name................................
Last Name..................................
Street Address ............................
City, State, Zip Code .....................
Cell Phone Number .........................
Home Phone Number .........................
Alternate Email Address....................
Age........................................
Sex........................................
Current Occupation.........................
Bank Name and Address......................
Marital Status.............................

AVAILABILITY:

Days/Hours Available
Monday ..........................................
Tuesday ..........................................
Wednesday ........................................
Thursday ........................................
Friday ...........................................
Saturday .........................................
Sunday ...........................................

Hours Available: from _______ to ______

We await your urgent response. Thank you for your help. We look forward to working with you.

Sincerely,
Mystery Shopper Inc(R).
Salary:
$230-$300 Per Assignment
Apply by Email:
 

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Jobs Source : http://jobs.topix.com/a/jbb/job-details/506238

Mystery Shopper CPM US


Mystery Shopper
CPM US
Spartanburg, SC United States

CPM US (An Omnicom Group Co.) is the industry leader in retail marketing services.  Due to our diverse growth, CPM US is currently seeking mystery shoppers for this new 4 month long program.
Looking for some extra cash?  Want a flexible schedule?  We are hiring responsible, motivated, and computer literate individuals to evaluate procedures for restricted sales of tobacco products for a fortune 500 retailer.  

Qualified applicants must be between the ages of 18 – 27, have reliable transportation, internet access, and be willing to purchase tobacco products.  Reimbursement for expenses will be paid within 3-4 weeks of properly completing the assignments.  Pay rate for this part time position is $10 per location
Please apply online here-  Mystery Shopping Application

You will be required to submit a photo of yourself specifically for this project.
You will be asked a series of questions that will create a profile for you in our database and a manager will be in contact with you should your interests and experience match the position that needs to be staffed.
EOE


Job code: 2469634
19879531
 

First thing women notice about other women is how FAT they are

First thing women notice about other women is how FAT they are :P


Never mind the hours spent choosing new clothes, applying make-up and getting your hair just right: if you care what other women think, the priority should be squeezing in your waistline.

That is the first thing your rivals will be looking at when they size you up, research revealed yesterday.

For the study, 2,000 women aged between 18 and 45 were questioned about how they formed first impressions


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BBB issues warning against work-at-home schemes: Bakersfield woman a victim

The BBB is warning consumers to beware of offers for work-at-home jobs for mystery shoppers.
“We have received reports of three different work-at-home mystery shopper offers in the last 10 days, two of which involved fake checks,” said Blair Looney, president and CEO of the BBB.  “One recipient actually became a victim of a scam when she cashed and forwarded money from the check she received.”
The work-at-home proposals offer lucrative per hour salaries and feature detailed information on what the check is for, how the amount of the check was calculated and what the mystery shopper is supposed to do to “earn” the excess money.  Two of the offers, including the one that caught a victim, involved “evaluating” the employees of Western Union while wiring money through the Money In Minutes service.

The woman who fell victim to the scam told the BBB that she took the check to her credit union and was told there would be a two day hold placed on the funds.  When she returned two days later, she says she was told the check had cleared and she withdrew more than $1,900 to wire though Western Union so she could complete her job assignment.

Unfortunately, the rest of the story is an old and sad tale.  The check actually was returned to the bank as fraudulent; the consumer was informed she had to repay the funds to the bank and there was no work-at-home job as a mystery shopper.

If you or anyone you know receives the same or similar offer, the BBB suggests using extreme caution when responding to such an offer.
While ads claim high earnings and short hours with little or no experience, BBB files nationwide indicate no evidence of anyone making the promised money.

Complaints to the BBB generally allege non-delivery of instructions, materials, or whatever you paid for, or failure to issue refunds as promised.

In most cases, the company refuses to respond to complaints presented to it.  Often the business shuts down without leaving a forwarding address.  They may use more than one location, they may move from one location to another under the same name, or they may change both name and location.  Thus, they are almost impossible to track down when a problem develops.

The U.S. postal inspection service regularly investigates fraudulent work at home schemes, and you risk investigation and possible prosecution by postal or other law enforcement agencies if you become involved in one of these schemes.  You might also want to check out the company with your local consumer protection agency and the state attorney general.

In considering whether to go ahead with it or not, keep these suggestions in mind:

-Consider it a warning if you have to buy something to start the program.
-Beware of “no experience necessary” ads that promise attractive profits and part-time earnings, guaranteed markets and a demand for your handiwork.
-Realize that you may be perpetrating a fraud and risk investigation by postal authorities by selling the same program you bought to others.

Remember if an offer sounds too good to be true, it probably is.

Why Qualm Mystery Shopping? | Job for Mystery Shoppers

The whole process with Mystery Shopping is to improve the service to satisfy potential new ones and or repeat customer. The bottom line is this. To increase revenue or sales for the business or establishment, and improvement as a whole, quality and happy satisfied customers and service.

The companies and businesses do understand the small investment dollars spent in Mystery Shoppers and will result in long term financial benefits for the business and short term results. The quality they can provide will be a much greater success for them and genuinely happy satisfied customers.

To confirm the whole mystery of Mystery Shopping career and pursuits whether part time or full time and to lessen the well, I do not know or this is to good to be true that seems so, this amazing article published by WSJ® online of the lifestyle of a freelance professional Mystery Shopper which exceeded ,000 in one month lessen the uncertain about and unlikely.

This and the above will depend on the company or business and the type of secret or mystery shopper’s job/s assignment/s anywhere. And free goods, gift certificates, travel deals, two-for-one coupons and cross-promotional deals, merchandise, bonuses, coupons, and gift certificates go along with the shop and or a separate source all together. You are also reimbursed as well, with some mystery and shopping jobs.

The growth of Mystery Shoppers marketplace recently has over 1,000 + companies and business. And the Mystery Shopping industry is at a staggering 0 – 0 million range with estimated expected growth at about 15% annually, according to professional sources.

So why doubt Mystery Shopping?


About the Author

About A101Shoppers.com A101Shoppers.com is a specialized worldwide web source that is certified, professional & verified dedicated to ‘Mystery Secret Shopping’ throughout The USA, Canada, Internationally, & Locally.With many recommending offers to work in less than 24 Hrs, Latest Updates, Information, Resources, and so much more. Please VISIT a101shoppers.com


Why Qualm Mystery Shopping? | Job for Mystery Shoppers

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TRACY Masson earns extra cash as a mystery shopper…as well as free meals and nights in hotels. - mirror.co.uk



Tracy Masson

“I signed up to the website Retail Eyes a couple of years ago after a friend started doing it,” said Tracy, a 43-year-old single mum who works as a book-keeper and has two children, Jodie, 13, and Jack, 16.

“It seemed like a great way to earn some extra cash and have a bit of fun at the same time.

“So far I’ve visited restaurants and had three months’ membership of a gym with a ­personal trainer as well as going to a casino and spending a night in a London hotel. All I have to do later is fill in a report which takes half an hour to an hour.”



Read more: http://www.mirror.co.uk/advice/money/2011/05/22/tracy-masson-earns-extra-cash-as-a-mystery-shopper-as-well-as-free-meals-and-nights-in-hotels-115875-23147219/#ixzz1NA1eMw8x
Go Camping for 95p! Vouchers collectable in the Daily and Sunday Mirror until 11th August . Click here for more information

TRACY Masson earns extra cash as a mystery shopper…as well as free meals and nights in hotels. - mirror.co.uk

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WAHM Job Opportunity: Become a Mystery Shopper


Mystery shopping includes visiting a business site, buying goods or services, and then evaluating the service. Mystery shopping is a one of a kind opportunity for work at home moms.

Mystery shopping involves average customers telling companies how they are doing. The reason companies use mystery shoppers is to determine how well the employees are doing, how good their variety of products is, and what customers think of what they offer and more.

There are companies that hire people for mystery shopping at their stores, but usually mystery shopping is done through secret shopper companies. Mystery shopping involves going to all different types of businesses. You might be asked to drop by a local coffee shop to see what the staff is doing or sent out to a store in the mall to purchase something. The more mystery shopping jobs, the more opportunities you will have including rating restaurants and hotels.

As a secret shopper, you can get an opportunity to avail free goods and services and earn money as well. The payment methods for mystery shopping vary among different companies. Some pay a set amount for a job and some reimburse you for the purchase you make. Flat fee jobs are going to be more profitable but newcomers should take whatever jobs they are offered at first. You may get paid monthly or twice a month but payment requires you to submit all the paperwork and any receipts you are asked to turn in. It is better if you can send this paperwork electronically.

The hard part of mystery shopping may be finding a trustworthy company to work with. Some of them ask you for money upfront, which means they are a scam. Mystery shopping is like all other home based businesses in that you never want to pay to work for any company.

You don't have to worry about the expenses you have when you become a mystery shopper, because eventually your expenses will be reimbursed. In order for you to accurately review a business, you have to make a legitimate purchase from the company.

Mystery shopping is a good way to earn extra money but this job is not very stable. You cannot survive on your income from mystery shopping but you can bring in some extra money to save or spend any way you wish. You also get to try new goods and services while getting paid to do so. For WAHMs, mystery shopping can be a great job.
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7 Tips To Get More Mystery Shopper Jobs


Anyone can get abstruseness applicant jobs, but how do you get more? How can you analyze yourself from added shoppers? How do you appearance that you are bigger than anybody abroad and that you deserve added work? The acknowledged abstruse shoppers that acquire the advantageous jobs all acquire one affair in common. They yield anniversary job actively and are reliable.

Here are 7 tips that can ensure you become a acknowledged abstruseness shopper:

1. Write a able application

This is your aboriginal befalling to abstracted yourself from the boilerplate shopper. Acknowledgment all questions candidly and thoroughly, paying absorption to anniversary question. Provide a autograph sample that illustrates your adeptness to use acceptable spelling, grammar and punctuation. This abandoned will accredit you to get your aboriginal job quickly!


2. Write anniversary address professionally


Similar to the application, accomplish abiding that able grammar, spelling and punctuation is used. Amusement all jobs appropriately and accomplish abiding that your address is thorough. Acknowledgment all questions, acclamation key credibility that the applicant is allurement about.

3. Reliability

This is key to ensuring that you are trusted by the abstruseness arcade company. Any job that you acquire accept to be completed. If you do not complete the job or abolish it, the aggregation needs to re-assign the work, generally at the endure minute. This after-effects in added plan for the aggregation and if they absence a deadline, they may lose their client.


4.Follow the Guidelines


Before anniversary job, ensure that you apprehend the check and guidelines. You charge to apperceive the job central out afore you backpack it out. Failing to chase the set instructions agency your boutique may not be paid for and may aswell crave the boutique to be re-shopped.

5. Address after-effects on time

Complete your address as anon as accessible aural the set timeframe. As mentioned earlier, anniversary aggregation has deadlines that they charge to accommodated and you charge to accommodated yours!

6. Don't be abashed to ask questions!

If you are borderline about some of the instructions, accomplish abiding you acquaintance the abstruseness arcade aggregation for clarification. Chances are added shoppers may acquire the aforementioned problem. Don't be embarrassed. A aggregation is added than accommodating to acknowledgment your catechism as this will ensure that a re-shop is not required!

7. Rinse and repeat

No amount what the job, accomplish abiding you amusement all jobs the aforementioned and do a abundant job every time. Most abstruseness shoppers will not put in the accomplishment for bottom paid jobs. This will advice you angle out from the pack!
With these tips in mind, you should be able-bodied on your way to acceptable a acknowledged abstruseness shopper!

But what if you are just starting and don't apperceive area to start? Click the hotlink to acquisition out how to become a abstruseness shopper.