Everytime you sign a contract, just add a new client to the application and create a project. During the project, you can add project items and expenses to account for your work. You can decide anytime if an item is billable or not and if it should be billed using an hourly rate or a flat rate. Billable items can be added later to an invoice.

To create an invoice, you don’t have to wait for the completion of the project. Partial invoices can be created anytime during a project. And you can invoice multiple projects too. Invoices are generated to a text or html file using an invoice template. The template can be customized to take on the look you want.

The time spent on each item can be recorded using a timer or it can be entered manually. To make the time tracking more accuate, Fanurio can detect if you leave the computer and forget the timer on. When you come back, it will ask you if the idle time should be considered.

Data can be exported to a CSV file and the application integrates with the Windows tray bar.

Fanurio costs $39 and it is available from http://www.fanuriotimetracking.com . You can download a fully-functional trial version from http://www.fanuriotimetracking.com/download.html .

Also, it is important to learn from one interview, understand problem areas, and improve on specific aspects – by focusing on interview questions that you were not confident to handle. Learning from one interview will help you be better prepared for future interviews.

Once you have completed your self assessment of skills, and interests, you can arrive at the target job position. Once you know your target job position you can start preparing for interview questions. You need to practice questions that are asked in the interview for a given job position.

Here is your one stop destination for all interview preparation – GoRecroot Interview Question Bank. GoRecroot interview question bank covers Job Interview questions and answers. In the GoRecroot question bank, you see thousands of interview questions neatly organized by the job category, with the correct answers. The Interview Question Bank lists possible interview questions by key job skills, knowledge, and abilities.

GoRecroot interview question bank at: http://www.gorecroot.com/Questionpaper/

GoRecroot brings the best of global job positions for job seekers. Currently there are geo targeted job streams for US, Europe and Asia. More regions are being added.

How to join GoRecroot
You can join by visiting www.gorecroot.com. Remember to get your free whitepaper titled “Progressive recruiting – new tools and practices”

About GoRecroot
For recruiters, GoRecroot focuses delivering functionality value primarily through (1) recruitment ads (2) employment branding solutions (3) jobs to talent mapping (4) recruitment community value additions. Multimedia (audio, photo, video) enabled, multi modal (browser access, mobile access and downloadable thin client), multi geo (covers 100+ main geographies around the world), multi domain (over 40 business sectors and over 5000 sub sectors). GoRecroot payment processing is secured and powered by Google and PayPal. Subscription pricing for GoRecroot is linked closely to functional value delivered.

About the GoRecroot Team
The creators of GoRecroot have been in talent sourcing and mapping since the 90s and have worked closely with recruiters and job seekers around the world. The intelligence behind GoRecroot is derived from hands on experience fulfilling scores of different job positions. The creators have their ears to the ground and have been listening closely to recruiter pains and tribulations. GoRecroot intends to continue its close-knit association with recruiters and thrives to play an active role in getting more progressive recruiters to the big biller club.

Press contact:
help@gorecroot.com
GoRecroot Customer Care
TTK Road, Alwarpet, Chennai India
www.GoRecroot.com

Among the 10 ‘Outrageous Claims’ for 2010 are predictions of the devaluation of the CNY, the emergence of a third political party in the US, a massive fall in the price of sugar, a positive US trade balance for the first time since the 1975 oil crisis and the US Social Security Trust Fund going bust.

The online futures trade and investment specialist’s ten claims are an annual thought exercise to predict rare but high impact ‘black swan’ events that are beyond the realm of normal market expectations. The exercise aims to challenge market conceptions. Compiled as part of the bank’s 2010 Outlook, the claims this year paint a picture of a more positive year ahead but with a few tremors along the way.

David Karsboel, Chief Economist at Saxo Bank, commented: “We believe that 2010 will be a year of reflation, but structural headwinds lie ahead of us and could turn 2010 into a rollercoaster ride.

“One of the most likely structural headwinds will be a shift in investor focus towards slowing GDP and timing issues regarding the path of FED tightening. This will bring risk aversion back into markets.

“Whilst our annual ‘Outrageous Claims’ should be seen as the black swans of the market rather than outright predictions, we do believe that the odds of these events happening are somewhat higher than what is currently priced into the market,” Karsboel concluded.

About Saxo Bank
Saxo Bank is an online forex trading, CFDs trading and investment specialist, enabling clients to trade Stocks, Futures, Options and other derivatives, as well as providing portfolio management via SaxoWebTrader and SaxoTrader, the leading online trading platforms. SaxoTrader is available directly through Saxo Bank or through one of the Bank’s global partners. White label is a significant business area for Saxo Bank, and involves customised and branding the Bank’s online trading platform for other financial institutions and brokers. Saxo Bank has more than 120 white label partners and boasts thousands of clients in over 180 countries. Saxo Bank is headquartered in Copenhagen with offices in Australia, China, the Czech Republic, France, Greece, Italy, Japan, the Netherlands, Singapore, Spain, Switzerland, UK, and the United Arab Emirates.

Media Contact:
PR Contact:
Kasper Elbjørn
Head of Group Public Relations
Saxo Bank A/S London
40 Bank Street
Canary Wharf
London
E14 5DA
UK
45 3977 4300
uk.saxobank.com

Tuesday, 28th July 2009 – NEOVIA Financial Plc (LSE: NEO), the independent global online payments business, announces its NETELLER Money Transfer service, that lets friends and family send and receive money instantly around the world securely through a user-friendly interface.

With no transfer fees for the receiver, the sender only pays a 1% transfer fee up to a maximum of $10 USD. This makes the NETELLER Money Transfer service one of the most cost effective methods available to consumers on the market.

The global remittance market is forecast to be in excess of $300billion this year, according to World Bank estimates. Senders can apply for a free NETELLER account and send money the same day to anyone with an email address. The service allows people to transfer funds in 20 different currencies to over 180 countries, where NETELLER offers a service. It has a wide variety of deposit options including credit/debit card, bank transfer, direct e-Banking, Giropay, iDEAL, and Ukash and will automatically convert the currency for the receiver as well as support multiple local languages.

Receivers of funds are prompted to open their own NETELLER account and withdraw via a number of flexible options including bank transfers, cheques, bank wires or through the Net card which can be used at over 1 million ATMs and 30 million point-of-sale terminals world-wide.

Dan Starr, Executive VP NEOVIA Financial said: “The launch of NETELLER Money Transfer is NEOVIA’s official offering in the global remittance marketplace, making transfer services such as bank drafts, money orders and cheques redundant. If you’re settling up your tab with a friend round the corner or sending money to your parents or loved ones around the world, you want the money to get to them as soon as possible, safely and with minimum charges. We know how to move funds and we know how to do that quickly and securely.”

Consumers can sign up for the service at sendmoney.neteller.com.

# # #

For further information contact:

NEOVIA Financial Plc
Andrew Gilchrist, VP Communications 44 (0) 1624 698 713
Email: investorrelations@neovia.com
Twitter: https://twitter.com/neovia

Media Relations
Nick Daines / Sheelagh Connelly, Lumen PR
Tel: 44 (0) 20 7617 7019
Email: neovia@lumenpr.com

Daniel Stewart

Contactless credit card technology, pioneered by Barclaycard in the UK, makes life easier for customers as it saves time when paying for items that people typically pay for in a rush such as the morning coffee, lunchtime sandwich or newspaper and magazine. Contactless credit cards allow secure payment for goods and services costing £10 and under without the need to enter a PIN or signature.

Contactless enabled credit cards can be used at a growing number of outlets throughout the UK including Prêt a Manger, Coffee Republic, Eat, Yo Sushi and a whole host of other independent retailers.

Recent research from Barclaycard showed that 98 per cent of contactless cardholders believe that contactless payments are easy to use and 88 per cent claimed that it enabled them to cut down the amount of time they would usually take to buy items such as a coffee.

Amer Sajed, Managing Director UK Cards, Barclaycard said: “Barclaycard is leading the UK’s contactless payment revolution. In three years we will have an additional four million customers who will be able to make payments using their contactless card.

“We are dedicated to making our customers’ lives easier and are seeing increasing demand for contactless by our customers, who can now make contactless payments at thousands of retailers across the UK.”

Barclaycard currently has almost two million cards in circulation that can be used to make contactless payments. This includes Barclaycard OnePulse, Barclaycard Platinum and Barclaycard Goldfish credit cards.

-Ends-

About Barclaycard
Barclaycard, part of Barclays Global and Retail Commercial Banking division, is a leading global payment business which helps consumers, retailers and businesses to make and accept payments flexibly, and to access short-term credit when needed.

The company is one of the pioneers of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future. It also issues credit and charge cards to corporate customers and the UK Government. Barclaycard partners with a wide range of organisations across the globe to offer their customers or members payment options and credit.

In addition to the UK, Barclaycard operates in the United States, Europe, Africa and the Middle and Far East.

Barclaycard PR Contact:
Andrew Bond
Barclaycard Press Office
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
01604 251229
www.barclaycard.co.uk

Www.businessIFC.com reports on the latest product and service developments in more than 40 financial centres worldwide in the areas of asset protection and development. The site covers:

international banking,
international insurance and pensions,
funds,
trusts and
offshore companies.

It also provides insights into the latest investment opportunities across the world including detailed reporting on the shipping and real estate sectors. BusinessIFC.com provides in-depth research on the economic environment globally, regionally and in more than 40 jurisdictions across the world.

The website provides essential information to help investors choose the most innovative and reliable investment products.

BusinessIFC.com reports on the latest news developments from around the world on vehicles for investment. It also briefs its readers on the impact on taxation policy. Using leading expert commentators, it describes the tax benefits of investment and asset protection products. It also compares the features of investment products in different jurisdictions.

The site is structured to provide easy access to comprehensive information on a diverse range of products, services and jurisdictions. Www.businessIFC.com also supplies a series of weekly news and feature emails on free subscription for its readers in key product areas.

BusinessIFC.com provides an attractive advertising medium for product and service producers. The site is targeting 80,000 readers worldwide.

Press Release Submitted by:

http://www.kronikmedia.co.uk

Lloyds TSB Monthly Saver account holders can enjoy this competitive fixed rate for twelve months on regular monthly deposits between £25 and £250. If customers find they have additional funds to save, they can increase the amount on their monthly standing order at any time during the 12 month period, up to the maximum monthly deposit of £250.

Colin Walsh, managing director of Savings and Investment at Lloyds TSB said, “Given the uncertainty around us, getting into a savings habit has never been more important. This is why we want to make it as easy as possible for our customers to build a nest egg and provide the added incentive of a competitive savings rate.”

Should the need arise customers can also benefit from instant access to their savings, without incurring any withdrawal penalty.

Colin Walsh continued: “We know some savers want the reassurance of being able to access if they need to, so this product allows customers to dip into their funds without penalties.”

Lloyds TSB Current Account holders can open a Monthly Saver account either in branch or through telephone banking.

To help savers make the most of their money Lloyds TSB has a dedicated savings hub at Savvy Saver, full of advice, information and useful planning tools. Users can also submit and share their own savings tips, to help other savers maximise their cash.

Notes to editors:
- Funds withdrawn from the account cannot be replaced
- Standing Order on the account can be changed at any point during the twelve month period.
- This product is subject to availability

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, investment and cash ISA accounts designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.

PR Contact:
Amanda Glover
Media Relations Manager
Lloyds TSB Press Office
25 Gresham Street
London
EC2V 7HN
020 7356 2021
www.lloydstsb.com

This is the first time LV= has launched its protection products online through an aggregator website. Customers can now compare the LV= life insurance and Critical Illness Cover products against the others which are available in the market, as well as any additional benefits that may be offered, with the ‘more than a cheque’ benefits from LV= which include ‘Healthy Steps’, an online health assessment and advice service, as well as free terminal illness cover.

Robin Willison, LV= Financial Advice Director commented: “It’s great that potential customers will now be able to compare the value and features of our life insurance against a number of other providers in the market. We are conscious of the financial pressures that many people are facing at the moment, and this move will demonstrate how competitive we are, and allow consumers to get the best value cover at a price that is right for them.”

Emma Walker, Head of Protection at moneysupermarket.com said: “We have been working with LV= through our off line advice team for five years and are now delighted to welcome LV= to the moneysupermarket.com consumer facing website, as we constantly strive to provide customers with the widest choice across the market. In the current climate it is more important than ever for customers to be able to compare prices and investigate levels of cover available. This is a great move for a protection specialist like LV= as they really are helping people to look after what they love in life by joining our platform.”

* Terminal Illness cover is included free and applies if the customer has less than 12 months to live, allowing customers to claim on their policy.

- ENDS -

About LV=
LV= and LV= Liverpool Victoria are trademarks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= employs more than 3,800 people, serves around 3.2 million customers and members, and manages around £7bn on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Yearbook 2006/2007, total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority and entered on the Financial Services Authority Register No. 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

For further media information please contact:
Lucy Pope
Media Relations Manager
LV=
County Gates
Bournemouth
Dorset
BH1 2NF
United Kingdom
01202 502204
www.lv.com

According to a new study* from Lloyds TSB the current economic downturn is the first recession which over one in four of British adults** have experienced in their adult life. While recession veterans are realistic about what to expect, these recession novices are more optimistic and less prepared to change their lifestyles.

The report found 21% of all Brits – regardless of past experience – felt the current climate has led them to suffer from ‘recession depression’. 17% claimed they had sleepless nights worrying about personal finances and 36% are spending more time at home.

The report indicated that a third of recession veterans feel better prepared for today’s economic woes because they have lived through a downturn before, although 44% acknowledged it feels very different to last time. Many said their confidence comes down to better financial management. 68% felt better prepared because they are more careful and don’t overspend (compared to 57% of novices) and 66% said they are better prepared because they don’t rely on credit to fund their lifestyles. 56% of those with recession experience simply thought they were more realistic than younger generations about how much they can spend.

Corinne Sweet, Psychologist and author commented: “When times are bad and money is tight, people experience fear and anxiety, making them more conservative and less adventurous and expansive overall. Recession novices will be feeling the greatest shock, and worrying about how to maintain their lifestyles while paying off debts, while those that have lived through it before will probably cope better, reverting to old methods of survival.”

Recession veterans are taking sensible steps to rein in spending, like buying cheaper brands (42%) and becoming more frugal. Novices are less prepared to take drastic steps. Just 24% admitted drastically cutting their spending (compared to 30% of old timers) and only a fifth are becoming more frugal compared to 39% of recession old timers. Recession novices are also less prepared to cut back on holidays and breaks away with 19% cutting back compared with a quarter of recession veterans.

To help customers during this difficult period, Lloyds TSB has created a guidance microsite for people looking for financial help. Savvy Guidance is an online resource providing useful tips and information on managing finances in the current climate, along with interactive explanations of the credit crunch, a jargon buster, FAQs and real life video stories showing how the guidance and support from a financial health specialist, can help in times of financial difficulty.

Throughout the country 1,500 financial health specialists are also on hand in Lloyds TSB branches to help customers review their finances, manage their money better and give tailored guidance and support.

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.

Notes to editors:
* Opinium Research carried out an online poll of 2,221 British adults from 30th January to 3rd February 2009. Results have been weighted to nationally representative criteria.
** Based on UK population figures and that anyone aged 34 or below will not have been an adult during the last recession (1992). This equals 13,580,000 UK adults (28.3% of 47,778,000 UK adult population) who have not lived through a recession before in their adult life.

For more information or case studies contact:
Eve Speight
Media Relations Manager
Lloyds TSB Press Office
25 Gresham Street
London
EC2V 7HN
020 7356 2162
www.lloydstsb.com

The 2.76 million women planning to retire in 2009 can expect to receive an average annual pension of just £13,671, while the 3.95 million men who plan to retire in 2009 will get £6,642 more, expecting an average pension of £20,313.

“It’s still a shock to see so many women retiring at such a disadvantage to their male colleagues, despite all we know about the causes of pension discrepancies between men and women,” said Karin Brown, Annuities Business Director at Prudential.

“The gender gap has become so firmly established because women have historically earned less than men, and still earn around 17% less. When women have children, their pension contributions reduce significantly or stop altogether, and their state pensions often take a hit as well.

“The underlying problem that many people have insufficient pensions is never going to go away unless men and women start their pension plan much earlier in life, ideally in their twenties or thirties,” Karin added. “Starting a pension at an early age will lessen the impact in later life of many women’s decision to take a career break to have children. It will also mean people can feel confident that they are going to have enough money to live off when they do come to retire, and this is vitally important for women who expect to receive smaller pensions than men.”

One major cause of pensions gender gap is that many women take a career break to have children, but it is possible to protect future pensions and maintain a pension during this time. Women could also consider trying to keep up any company pensions or private pension contributions even if they are on maternity leave or an extended career.

Other causes include:
Neglecting pension savings
- As many as 61% of retiring people doubt their pension and other savings will provide a sufficient income to enable them to enjoy a comfortable life in retirement.

Not saving enough
- A rule of thumb is for people to try and save half of their age as a percentage of their salary into a pension scheme, for example 12.5% at age 25 and so on.

Not taking advantage of company schemes
- Many employers offer pension schemes and agree to match any contributions made by employees. People should enquire about the pensions scheme offered by their employers.

Not shopping around
- People in retirement have a wide choice of annuities available to them and it is recommended that they shop around for the product which is most suitable for their needs.

ENDS

Notes to editors
The information contained in Prudential UK’s press releases is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at www.pru.co.uk.

Survey conducted online by Research Plus among 1,000 UK adults aged 45 between 10-18 November 2008. Figures based on Office of National Statistics 2007 which show 24,990,500 adults aged 45 in the UK. For further information please contact the Prudential media department.

About Prudential
“Prudential” is a trading name of The Prudential Assurance Company Limited, which is registered in England and Wales. This name is also used by other companies within the Prudential Group, which between them provide a range of financial products including life assurance, pensions, savings and investment products. Registered Office at Laurence Pountney Hill, London EC4R 0HH. Registered number 15454. Authorised and regulated by the Financial Services Authority.

Media enquiries
Jonathan Akerman
PR Contact
Prudential
3 Sheldon Square
Westminster
London
W2 6PR
020 7150 3177
www.pru.co.uk