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After a gap I have gone back accepting global assignments in ERP consulting again. Im also studying MBA under Andhra University. I accepted part time work so that I can spare time for my passion for teaching. I was once a Mentor for MSIT Master in science and information technology, under Center for Higher learning course, in collaboration with Carnegie Mellon University USA at JNTUK campus. Juggling between global software project work , studying MBA and teaching needs proper time management schedules and I follow a certain flow low psychology for doing my best. I getting to my peak performance at anything i take up pretty quickly. In other word I want to get back to flow. It took a while for me to find the rhythm I needed. But I felt that I should share my experiences with my students and others who read my blog. While interacting with students I found that many are struggling to get the best out of their day and to find success in whatever they dream of doing. But many are not able to focus on neither studies nor in other positive actions, that contribute to their success due to lack of willingness to work hard towards their goal, lack of focus ,concentration and the facebook effect .



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The APR annual percentage rate depends on the amount of the loan and sometimes the term as well. However, it is best for you that you may search around for the best possible loan deal. Some of the time these rates depend on your credit rating too. You need to calculate interest and fees on all your existing accounts to determine the total of the payments you now make. Several lenders are going in for such lending businesses. You can access them online too. For that purpose, you need to fill out a simple online application form that is rightly available online. Afterwards search for a right lender of your choice gets essential. Well soon after finding a lender, you should go through his terms and conditions of the loans where your lender will tell you about his provision. If you may unable to understand, better you take help of a financial expert. Many financial experts are available online and offline. With the help of them, you can make your deal for the best of yours. Often, they take out cover alongside the money they borrow, believing that the mortgage is dependent on buying protection. It might be true that the lender asks that you protect the borrowing, but you can choose to take out a policy that is independent of your mortgage. When cover is pushed alongside the loan often those selling it have very little experience in payment protection products. If the consumer is not aware that certain exclusions exist in a policy and these exclusions have not been explained at the time of buying, then protection could be useless to them. Some of the most frequent exclusions found in policies include if you work part time, are self employed, suffer from a pre existing medical condition or are retired. However, even these exclusions are not as straightforward as the sound. For example, if you are self employed but have to cease trading on a permanent basis due to involuntary unemployment, a policy would cover you. In addition, the pre existing illness exclusion would not apply if the illness had not resurfaced within the last two years. The best way to get all the necessary information relating to the exclusions and all aspects of mortgage protection policies is to go online to an independent provider. A specialist will ensure that all consumers have access to the information needed to decide if payment protection would be suitable. They will also give quick quotes based on the amount of your monthly mortgage repayments and your age. The income that mortgage payment cover gives would then protect your repayments and outgoings that are related to the loan, such as insurance. A policy would cover being unable to work due to unemployment or being unfortunate enough to suffer from an accident or an illness. You would have to wait a certain period of time, which is generally between 30 to 90 days of continually being unable to attend work. Once the protection has started to pay out it would provide security for between 12 to 24 months, depending on the provider. The tax free income the policy provides gives enormous peace of mind and security during a stressful period of time. It allows the policy holder to relax and concentrate on recovering from the illness, accident or unemployment with certainty that they would not be at risk of losing their home to repossession. Some individuals believe that mortgage payment protection insurance is not needed because the State would provide you with benefits. But there are criteria you have to meet when applying to the State for help.

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