Banking Finance Interview Questions – How to Prepare For the Big Interview

Preparation if vital when preparing for any job interview, banking is no exception. Much of this depends on exactly what position you’re applying for. In broad terms a position in banking finance may range from:

o Banking finance auditor
o Banking finance investment executive
o Banking finance controller

It’s always a good idea to practice answering specific questions before the day of the interview. By doing your prep work before hand, you’ll come across as a confident individual which may give you the edge you need to land that big job.

Let’s take a look at specific questions that you should be ready to answer for each job.

Banking finance auditor

1) What is your level of experience?
2) What was your degree of responsibility in your last position?
3) What were the results of your auditing reporting?
4) What are some of your successful achievements?
5) What types of submissions of audits for federal or state authorities were you responsible for?

Banking finance investment executive

1) What is your experience with inter-relating investment and financial institutions?
2) What specific types of investment experience have you acquired in your previous positions?
3) What is the relationship of investment experience to this position?

In most cases, though a resume will contain this information, the banking finance investment executive will be expected to expand in detail on the management of investment funds and portfolios within the range of experience.

Banking finance controller

1) What are your finance management skills and experience?
2) What is your track record of implementing sound financial policies that helped to increase profitability and revenues in your previous positions?
3) What were your duties, responsibilities and corporate interface with executive management, cost accounting management and internal accounting management?

Digital Photography Tips and Techniques

Unlike old film cameras, with today’s digital cameras, there are many options and features that even new photographers will find easy to use. You can change the lighting, zoom in, change the background, take still shots, and so much more, The choices are endless! Excited? You should be as you are about to learn some very useful digital photography techniques for better photos.Are you a fan of taking pictures in black and white? Do you like that old fashion look? Good news! Having a digital camera will make this easy for you as there are three options. The first thing you can do is see if you can directly take the picture in monochrome. This setting allows you to view what you are about to take a picture of in black and white on your camera’s screen. Right away, you’ll know how the picture will turn out as you’ll be seeing it right there just the same as you would see one of today’s contemporary pictures through the camera lens. Second, you could convert colored pictures into black and white by going to the gallery menu and selecting the black and white option. You also have the third option of printing them out in black and white which will enable you to have both copies–a colored copy and one that is black and white. You can do this by using the gray scale setting in the printing menu. Using these three options, you can enjoy that black and white look!Taking pictures close up is another useful technique for capturing special moments, and it also makes it easy to block out distracting backgrounds. One way a close up shot can be taken effectively is by using macro mode. When using this mode, you can take sharp pictures being just inches away from your subject. Another thing that can be done is use the camera’s zooming function. When doing this, you’ll actually have to stand further away: however, you can still get an up close shot that is intricately detailed. Switch to portrait shooting mode of shots are further away.Now, say you’d like to preserve objects that are moving. Using a digital camera makes this possible as this can be done by using the video feature. Many digital camera have a video feature that can record up to 30 minutes of video. Say for example you are at your child’s sporting event, and you want to capture the highlight of the game. A digital camera with a video feature will allow you to take both still photos as well as getting action video. And because today’s digital cameras are small, they easily slip into a pocket or purse and are easy to take along to a variety of family functions, vacations or events.If you don’t already have a digital camera, you should consider getting one. Prices have some down and a good quality camera is not affordable for almost any budget. Using just these three techniques will explained above can enrich your picture taking experience. Never again will you have to miss capturing a moment that you want to remember!

How a Reverse Mortgage Affects Medicaid

A reverse mortgage does not affect “non-means-tested” government benefits programs such as Medicare and Social Security. However, it can affect “means-tested” programs including Medicaid and Supplemental Security Income (SSI) because those programs test to see how much income or financial resources you have available.Medicaid (and Medi-Cal) is a government sponsored program that is intended to provide health care to low-income individuals. Medicaid eligibility requires applicants to have no more than $2,000 ($3,000 for a couple) in countable assets one day out of the month. To explain further, for an individual to be eligible for Medicaid, he/she cannot have more than $623 in countable monthly income or more than $2,000 in countable resources (car, house, etc.) The reverse mortgage is not considered income so that eligibility requirement is not affected.However, if an individual on Medicaid were to receive a lump sum of $6,500 from his/her loan and spend only $4,000 of it in the month in which it was received, putting the remaining amount ($2,500) in the bank, then he/she would no longer be eligible to receive Medicaid because after 30 days, the $2,500 would become an asset and exceed the eligibility requirements.In short, a reverse mortgage does not automatically disqualify a homeowner for Medicaid but the homeowner has to be careful with the timing of spending of the reverse mortgage funds. You should contact your state’s Medicaid administrator to determine exactly how to comply with the Medicaid eligibility requirements if you take out a reverse mortgage.

Basic Automotive Mechanic Tasks

Majority of men and a few women are passionate about cars, which is why some choose to embark on a profession that entails repairing, overhauling and even modifying specific or all car type.But definitely, aside from the enthusiasm, there are other requirements in order to become an automotive mechanic. First it would be a good idea for anyone who aspires a career on automotive repair to understand the duties and tasks of this craft. When a car malfunctions, an automotive mechanic makes a diagnosis of what have caused such failure in the equipment. After which the mechanic executes appropriate repair works depending on the car make or model. In exact, here are the possible tasks that an auto mechanic may perform:patching up various automobiles that may be powered by gasoline, diesel or electricity (these vehicles are cars, light-medium-heavy trucks, vans, scooters, utility vehicles, power sweepers, garden equipments, forklifts, etc)
working on internal ignition engines and relating repair tasks such as valves grinding, piston and piston ring installations, bearings and bushings fittings, rod aligning, components dismantling and reassembling.
fine-tuning other components of the automotive such as clutches, transmissions, single and multiple speed differentials, hydraulic loading and accessory systems and controls, mechanical vacuum boosters, hydraulic and air brake systems, suspension systems, steering assemblies, and carburetion, ignition and electrical systems
tuning up, changing of oil, wheel and tire balancing, mufflers and smog control devices inspecting and fixing
proper utilization of shop equipments like hand-set grinders, drill and hydraulic presses, hydraulic lifts, engine analyzers, welding equipment, and electrical system testing equipment.
some welding of electrical and oxygen acetylene, matching tires on dual wheel vehiclesAside from these, the auto mechanic may be the one to order the parts and supplies needed for the repair, keep inventories in certain projects, estimate costs and price for the automotive repair, recommend other services provided by other contractors if the automotive malfunction is out of his field, and other duties assigned.To be able to perform well on the duties mentioned for an automotive mechanic, he or she should possess the following qualities and knowledge:how a certain type and model of an automotive operates
principles and concepts of mechanical and electrical systems, Hydraulic and power take-off accessory systems in gasoline and diesel internal combustion engines
proper use as well as maintenance of tools and equipments in automotive machinery
safety measures, precautions and practices
basic record-keeping processes and computer skillsDifferent countries have different regulations on how an aspirant may become a licensed and qualified mechanic. As early as high school, there are some curriculum which provides early preparation or vocational elective courses including that of car repairing. Also, apprenticeships and training programs may be availed to add to the list of credentials. Formal training and education may come from various technical schools and colleges.Automotive Repairing may also encompass some lifting or carrying of heavy motors and equipments so a mechanic’s body must be fit to carry out such task. He should also possess or have even the basic tools like pliers, wrenches, screwdrivers and gauges.