The IBM Certified BPM Developer certification is designed for all those individuals who wish to deal with the complexity of the process applications. This certification tests the candidates ability to work with Complex Process Application Data System, Manage Complex Task and Process Interactions, Integrate External Systems, implement attractive user interfaces and design relevant and informative reports, dashboard and scoreboards on the process
The candidates in possession of this certificate are responsible for supervising of the certified associate developers and also provide guidance to these certified associate developers. The BPM developers are responsible for arriving at business solutions that are associated with high quality and process driven. They implement the IBM Web sphere Lombardi Edition 7.1. The job roles that the possession of this certification would call for include the development of portals that would provide visibility to the processes by the usage of custom reports and scoreboards. Apart from this, the certified professionals would be responsible for designing and development of the data system architectures that are linked with the process applications. Moreover, the other important job roles include the development, designing and the management of complex process interactivity. Also, these professionals would be able to implement some advanced technical integrations with some external systems. Also, they would be capable of implementing advanced routing of various tasks.
This certification requires one test to be passed by the willing and the eligible candidates. This test is named Test 000-173- IBM BPM Blueprint, IBM Web sphere Lombardi edition V7.1 application development. The number of questions included in this test is 72. These questions are to be solved in an exhaustive duration of 150 minutes. The passing score that is required to be obtained is 68%. The test is being administered by Parametric and it can be taken by the candidates in any region of the world. The test is being conducted in English language. The most important section of the test is associated with the management of complex tasks and process interactions. The other important sections that have weight age in the test include the complex process application data system, implementation of advanced task routing, Implementation of high performing and stylish user interfaces and providing the process visibility by the various dashboards, scoreboards and reports. Apart from this, the integration of external systems is another application that needs to be focused upon for this test. However, the number of questions and the duration of the test are likely to change.
IBM certification lays the foundation for a successful career. The certified candidates are very much in demand by the business. As IBM commands very good respect among the IT community, any certification from this organization commands equal respect. So these certified professionals are looked up for their skill, knowledge and expertise in the certified topic. They are the best as they are trained with all the nuances of the software and can find solutions easily to any problem.
Posted in Property & Developer by nangpooh with .
At a juncture when both capital and rental values of residential property in Mumbai are touching skies, Mumbai Metropolitan Region Development Authoritys (MMRDAs) announcement for building five lakh low-cost houses brings in a ray of hope for those dreaming for their own house in the fairyland.
Residential rentals in Mumbai have been escalating for the past several years due to limited availability and soaring demand, and most of the tenants wished if they could buy a house and replace the rental payments with loan installment. However, this wish was hardly fulfilled with the kind of price range Mumbai properties have been carrying.
Consider this, some few months back, 2 BHK apartment units in Cuffe Parade (South Mumbai) were being leased out for Rs 45,000 to Rs 80,000 per month. But today, the same size apartment in the same area on rent will easily cost a sizeable Rs 1.25 lakh a month.
Rental rates are soaring in others areas as well. For instance, in Bandra 2 BHK apartment now comes with a price of Rs 90,000 per month, a few months back the same property was valued for Rs 25,000-Rs 40,000 a month. Besides the rentals in Vashi, a middle-class locality in Navi Mumbai has also gone up to Rs 20,000 per month as compared to Rs 12,000 per month, two years ago for a 2 BHK apartment flat. Even semi furnished apartments down the much desired Palm Beach Road are available for as much as Rs 18,000 per month.
Though the prices are increasing day by day, not many transactions are taking place. There is a lot of demand but sky rocketing property prices are deferring the buyers from having a home in Mumbai at present, say MK Shah, Mumbai Real Estate agent.
In the course of all this governments announcement to build five lakh affordable housing units in the city has bought some respite to the prospective buyers. These houses will be made available on rent for people from middle and lower-income groups. The project is likely to come up in the next five years. MMRDA believes that the move will help bring down the cost of housing in Mumbai, media reports.
Posted in Home & Estate by nangpooh with .
Let’s start off by looking at the debts that are largest for most people- Mortgage Loan and other loans that are secured by home and property, such as home equity lines of credit and home equity loans. A mortgage is a loan for which a home is used as collateral. If the borrower fails to make the monthly payments on the mortgage, the lender could foreclose on the property. In the past, a traditional mortgage was available from a bank, a credit union, or a savings and loan and it had a fixed interest rate for 15, 20, 25, or 30 years. This is a fixed-rate mortgage. To qualify, a borrower needed to have a high credit score, be employed, have enough money to cover a down payment of 20 percent of the property’s sale price, and meet other criteria.
Today, there are hundreds of mortgage products available and the qualification requirements are dramatically different, in many cases less stringent. This makes it possible for more people than ever before to get approved for mortgages and become homeowners. A home equity loan is a type of second mortgage. A lender gives the borrower a lump sum of money, which he or she then pays back over a specified length of time, at a fixed interest rate. This loan uses the borrower’s home as collateral. Like a fixed-rate mortgage, the monthly payments on a home equity loan remain the same. Interest rates on a home equity loan are typically higher than for a mortgage, but lower than for other types of loans, such as credit cards or car loans.
A HELOC (home equity line of credit) is also a type of second mortgage. The lender commits to making a specified amount of money available to the borrower for a specified length of time. The equity in the borrower’s home is used as collateral. The difference between a HELOC and a home equity loan is that with a HELOC, the borrower can borrow any amount of money, up to the specified credit limit, pay it back over time, and potentially borrow again during the term of the loan agreement. The borrower decides how much to borrow and when, up to the specified limit on the line of credit and within the specified term. Another difference is that the rates for HELOCs are adjustable, not fixed, so the amount of interest to be paid on the loan will change. A HELOC has an annual fee. Homeowners can use this type of Mortgage Loan as a financial safety net, only if and when necessary.
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Posted in Mortgages by nangpooh with .
The common denominator of the things that a real estate could have that can make him obtain a real estate millionaire stage is that by creating a good commercial mindset and providing creative ideas in promoting their respective real estate properties. For some reason, they thrive on creative most of the time because they should commercialize the way they endorse their real estates.
Commercial mindset of real estate is an edge in competing with other real estate investors for it could have them good strategies on what their careers are.
What is commercial realestate mindset?
Commercial real estate mindset is one of the things being done in the field of real estate career. They try to enhance the way they promote their real estate properties to a larger scale by producing the right mindset.
Mind setting is like setting your goals. It hands you with the appropriate grade of making yourself convincing enough for the buyers to catch your thoughts and receive the promotional ideas that you are trying to lead on.
In commercial mindset, you are entering a competition with other property owners and the seller thus good commercial mindset would make you have the highest profit possible profit that you could get.
How can it make you a real estate millionaire?
With a right condition of mind setting, the goals of purchasing the good buyers will rise. For example, you are thinking about making more money by buying more properties to be able to sell them. That is a good commercial strategy. It creates a bond between the what you think and the what you want to be able to achieve a more precise result of getting potential buyers.
In this process, your prospects would definitely choose you over the other because you have created a good bond with them.
Real estate millionaires are good at that. They are able to strategize their selves with a good commercial real estate entrepreneurship thus making them what they are now.
Get yourself with the right commercial realestate mindset and prepare for the good terms to come with you. In real estate, everything is possible. It may be hard at first but a positive mindset would cure all the hardships that you have been experiencing in the long run
Posted in Home & Estate by nangpooh with .
Estate planning is the process of considering and setting up a legal arrangement that may be followed in handling and distributing your estate upon your death as you have directed. Many people think that estate planning is most beneficial for the elderly or the wealthy. However, estate planning is beneficial for everyone, regardless of age, marital status or net worth.
Although an experienced estate planning lawyer can provide you with the specific reasons as to why estate planning may be right for you, below are the top 4 reasons why estate planning is for everyone.
Loss of Mental Capacity – If you become mentally incapable of making decisions as to how your estate should be handled or distributed, a properly devised living trust and durable powers of attorney for financial matters will carry out your wishes and directives.
Guardianship of Minor Children – Without a plan, the decision of who is best suited to raise your minor children will be made by the court upon your death or in the event that you become incapacitated. However, with a plan, you are able to designate the guardians who you decide are best fit to raise your children.
Avoiding Probate – If you do not have a plan, your estate may be subject to probate upon your death. Although you will not have to deal with the slow process of probate, your loved ones will. So, in order to avoid it and ensure that your estate will be distributed as smoothly as possible upon your death and according to your wishes and desires, you should seek the advice of an estate planning attorney while you are still alive.
Comfort – If you have devised a good estate plan, you will be comfortable and confident knowing that you have protected your loved ones and the distribution of your assets upon your death. A good estate plan will avoid the confusion and chaos of an unplanned distribution of your assets upon your death.
The bottom line is that planning ahead, while you are still capable of doing so, can reduce the uncertainty and confusion that may occur over the distribution of your estate and guardianship of your children upon your death.
Call An Experienced Estate Planning Lawyer Today!
For more information about estate planning or to schedule a complimentary consultation with an estate planning lawyer, please call Lifetime Legal at (805) 419-5290.
About The Author
Lifetime Legal is a California based estate planning attorney representing clients in a diverse range of matters pertaining to estate planning law, business law, Probate, wills and trusts and real estate law.
Posted in Home & Estate by nangpooh with .