Raguragavan Sreetharan - Ragavan Sreetharan

Ragavan Sreetharan | For graduates obtaining a degree is just the beginning. The real life challenge starts when they start hunting for a job. Of course, everyone wants to have a stable and performance-oriented career in order to earn a good living. As a newcomer, you might face difficulty in picking up the right career option or you might get stuck while deciding which industry sector has the highest need for new professionals. Have you ever thought of a career in the banking industry? A career in banking sector is indeed a lucrative career option. The banking industry is ambidextrous, which means it offers a range of positions catering to a broad spectrum of skills and talents. The best part about this sector is that it has multiple sub-industries enveloping distinguished opportunities. Banking jobs are an excellent career option for many number of reasons. Job-security, career advancement opportunities, fancy salary packages, and most importantly, job satisfaction. India has a huge...

Ragavan Sreetharan | There are many options today. With little documentation and little running, you can find the bank that fits your finances. Ragavan Sreetharan Here’s how: Choose a bank that is good for your daily activities. Search banks that are easily accessible, you can found on your way to work or when you have to do several payments. Check the websites at several banks. There you can learn something about the types of accounts, available services and interest rates offered, long before entering the bank. Think about what is most important for you when choosing a bank. If you want to put up a personal relationship, on a long term, it is possible that a small bank is better for you. If you travel a lot and need branches in other countries, it is recommended to choose the larger banks, international. Think about what kind of transactions you make. If you want to make online transactions through ATM ‘s, then choose the bank offering these services. Visit the branch where you will...

Raguragavan Sreetharan | What a great question and one that many find very confusing. First of all let’s start at the beginning of a home loan. When you apply for a home loan the very first thing you are going to need is a lender. A financial lender is someone that is going to supply you with the financing of your home loan. Whether you go FHA, Conventional, VA or where I live in Texas, you can receive a Texas Vet loan, you are going to need financing…unless of course you pay cash, then you can skip this article altogether. Raguragavan Sreetharan Raguragavan Sreetharan | WHAT HAPPENS? When you start your home loan process you could spend all day on the internet looking at rates, various mortgage “broker” companies and find that they are basically all the same. Whether you go the banker or broker route, you are going to supply either one of them with very personal information such as your credit report which they will run, your tax returns (if self employed), W-2’s, pay-stubs, bank stat...

Raguragavan Sreetharan | The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers’ behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it’s time to do some competitive shopping. Before becoming furious with your bank, it may be that the products you’re using no longer meet your personal needs. If you have an established relationship with your bank, inquire about the other types of lower-cost checking and savings account products. – Raguragavan Sreetharan Raguragavan Sreetharan By understanding the rationale of why a bank charges fees for different services will allow you to be a savvy banking customer. If human contact is required to serve you, such as a teller or personal banker, this is very ex...

Raguragavan Sreetharan | Breaking down the process into small individual tasks The small tasks involved in starting a new business can often times add up to become a seemingly overwhelming process when looked at in their entirety. It is important to remember that most of these tasks really are small, and looking at them as such makes things seem a lot easier. In this article I will focus on what I looked at in my situation in order to setup my business banking accounts. Raguragavan Sreetharan Prior to setting up my banking accounts | Raguragavan Sreetharan To get to this point I had to complete a series of other small tasks in order to have everything ready for setting up my business banking accounts. This included setting up my business address, completing my limited liability company paperwork and receiving my LLC paperwork back from my state’s secretary of state office, and applying for and receiving my Federal Employer Identification Number from the IRS. Since at this point in my b...

Ragavan Sreetharan | A banker is a professional, who deals with the funds possessed by the customers and helps them manage it. These professionals hold great communication skills and ace the art of customer service. Their every day work involves dealing with the customers and helping them choose the beneficial investment plans, thus a detailed knowledge of the banking services is crucial to them. For all those aiming to find their abode in the banking sector, the future looks promising. In the years to come, banking is expected to be among the sectors creating a maximum number of jobs. If we are to believe the sources, banking is anticipated to created 7-10 lakh jobs in the next decade. It is even expected to be among the top job creators in the year 2014. Behind this lie many reasons, one of which is the public sector openings that are to come up in the years to come as half of the staff employed by the public sector banks is expected to retire soon. Besides, the hopes of new banking...

Raguragavan Sreetharan | There are many financial institutions around the world today. These help to take care of your everyday finance needs. These can be anything from money to buy your graduation dresses or more serious affairs like poor credit auto financing which will help you to get an automobile even if you have bad credit. All these financial institutions make life a little enough for those that are not so fortunate with money. Ragavan Sreetharan If there is a necessity or a medical emergency that requires immediate financial back up then you can rely on such institutions to lend you the money. The money that you take out of the bank is called a principal. This is the amount that is given to you and part of the amount that you need to pay back.   This is the primary amount. The additional payments that you would have to make along with the principal are the interests. The interest is what the bank charges you for their services to you. (Raguragavan Sreetharan) This is usual...