sedih wanita ini dulu atlet pingat emas negara kini jadi penyanyi oku di tepi jalan

Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. 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With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.









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Mortgage advisor job description

Mortgage advisor job description
As a mortgage advisor working in the financial sector, you'll be helping people find and apply for the right mortgage and making sure they are fully informed about what's available.
Working in a customer's best interests, it's down to you to find the best mortgage based on their situation and finances, and guide them through the whole process.

 

 

So, what will I actually be doing?

To carry out the service, your day to day routine could involve dealing with estate agents, valuers and mortgage lenders, keeping up to date with the current market and law and working closely with your clients.
As a mortgage advisor in a bank or building society, you would only sell your own company's mortgage products. If you worked for an estate agent or mortgage broker, you would offer mortgages from a range of companies. If you are an independent financial Advisor (IFA), you would advise on all types of financial products including mortgages.
You also need to follow strict rules and guidelines from the Financial Services Authority (FSA), which make sure advisors act fairly and are qualified to give the right financial advice.
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The finer details...

Full-time, you would generally be working between 35 and 40 hours a week between Monday and Saturday. You could work nine to five, or in shifts including evenings and weekends in a contact centre.
Part-time work is possible. If you are an independent advisor, you would often meet clients in the evening and at weekends.
Typically you would be office-based, although as with some independent advisors, working from home is possible.
You could find opportunities with banks, building societies, estate agents, firms of mortgage brokers and insurance brokers all over the UK. You could also work as an independent mortgage advisor.
With experience, you could manage a team of mortgage advisors. Alternatively, if working for yourself appeals to you, there's the option of becoming a self-employed independent advisor.
You could also take further qualifications to become a financial advisor.


Money, money, money

As a mortgage advisor working for a company, you would usually be paid a basic salary plus commission, whilst as an independent advisor you would be paid either by fees or commission.
A basic salary, without commission, ranges from approximately £18,000 to £25,000 a year.
Your salary package may also include car allowance, insurance and pension benefits.


The good points...

Including commission, a salary of £40,000 to £50,000 is possible.


...and the bad

Meeting sales targets is an important part of the role, so you will have to constantly keep an eye on them.


Is there study involved?

If you are considering becoming a mortgage advisor, employers often consider 'people skills' and a background in customer servicesales or financial services to be more important than formal qualifications.
You would often start as a customer service advisor in a bank or building society, or as a mortgage administrator or insurance technician in a firm of brokers. You could then progress into giving mortgage advice as you gain experience and Financial Services Authority-approved qualifications.
You may also be able to get into the financial services industry through an apprenticeship scheme. The range of apprenticeships available in your area will depend on the local jobs market and the types of skills employers need from their workers. For more information on apprenticeships, visit www.apprenticeships.org.uk.
See the financial advisor profile for information on how to become an independent financial advisor.
Your training will be a mixture of on-the-job learning and study for qualifications in mortgage advice, possibly through a bank or building society's structured training scheme.
As a trainee mortgage advisor you must take an industry-recognised qualification that meets Financial Services Authority (FSA) standards, such as:
  • Chartered Insurance Institute (CII)
  • Certificate in Mortgage Advice (Cert MA)
  • ifs School of Finance Certificate in Mortgage Advice and Practice (CeMAP)

You can study for each of these qualifications by distance learning. Employers will usually support your training and pay for exams.
The ifs School of Finance also offers the Advanced Certificate in Mortgage Advice and Practice, which is suitable for supervisors.
You should keep up to date with new products and financial regulations throughout your career. CII and ifs School of Finance both offer a range of short courses and formal continuing professional development (CPD) schemes to help you achieve this.


OK, I'm interested... But is it really the job for me?

To be a good mortgage advisor, you must have:
  • Good communication and listening skills
  • The ability to explain complex information clearly and simply
  • Excellent customer service skills
  • Honest and trustworthy attitude
  • An interest in legal and financial matters
  • Good mathematical and computer skills 
  • Respect for confidential information
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