Jobs in IT sales can offer great pay and rapid career progression. What’s more, there’s plenty of choice…

The UK is the most successful location in Europe for attracting IT companies. Over a million people are employed in computer-related fields and IT sales jobs in the UK, with more than half in the software and computer services industry.

It’s home to leading global players – Google, eBay and Microsoft to name a few – and to over 100,000 specialist software houses. In fact, there are more software start-ups in the UK than anywhere else in Europe. And with the Government investing heavily in pursuit of a new agenda for ‘Digital Britain’, public sector engagement will only serve to boost jobs in IT sales.

However IT sales jobs have not escaped the impact of the recession; several major industry players have been affected by a slump in client sales. But with technology so integral to so many businesses (if not all) its place in the future of commerce is particularly secure.

The IT workforce is almost 1.2 million strong in the UK, and growing. Technology is all around us and is used in just about every walk of life, and in almost every organisation, from a small design agency to a global charity, from a hospital to a corporate bank.

Jobs in IT sales typically fall into the three main areas: Pre-sales, sales, and post-sales support of hardware and software products and services.

The first area involves supporting pre-sales activities by giving detailed information on technical specifications and the ways in which they could meet a customer’s needs, often demonstrating those features before a sale.

The actual sale involves negotiating a commercial agreement to the benefit of both customer and supplier. Post-sale may include introducing add-on products like training and software, or ongoing services such as hosting and maintenance.

Jobs in IT sales account for the majority of roles within the IT sector.

A large proportion of jobs in IT sales are likely to be with computer manufacturers, eCommerce and software houses. IT sales jobs specialists in these roles explain the detailed features of products in non-technical terms to both users and those with purchasing power. It’s likely to also include both pre-sales support and after-sales contract assistance to help with faults or to maximise facilities.

If you work for a major computer retailer, IT sales jobs involve offering advice to individual and corporate customers, helping them to choose the products and services that meet their particular needs plus providing a help desk or after-sales service.

Smaller, specialist computer retailers use IT sales recruitment to find sales professionals who can provide an individual and more informal service to customers (mainly small businesses and social/educational users).

The wide range of technical and personal skills demanded by IT sales jobs are highly transferable and will allow progression into other areas of sales, consultancy, or management positions within IT. Marketing, training and product support roles are also future options.

Typical advancement in IT sales jobs involves handling more technically complex queries or becoming involved in the selling or marketing of larger IT products, systems and services. A detailed product and service knowledge, a proven track record of exceeding sales targets and strong business acumen can help career progression.

Career progression is often reflected in the level you are selling to, i.e. progressing from selling to an individual in a business up to sales at board level.

Regardless of if you are about to retire, or have just launched your career, it’s essential that you spend some time thinking about how you’re going to fund your retirement. To do this, there are two key questions you need to ask yourself: How much money am I going to have when I retire, and how would I like to receive that money? The most common way to determine how much money you’ll have is to use a pension calculator. Based on information you input about such things as your current salary, your savings and how long you have left until you retire, such a tool will be able to calculate how much money you can expect to receive when you do finally call time on your working life. Not only that, but it’s also a great tool for allowing you to see if you need to adjust the amount you’re saving towards your pension now, in order to have an adequate sum for your retirement. When considering how you’d like to receive your money, there are a few factors you need to be aware of. For example, if you’ve been paying money into some form of pension scheme, such as a money purchase plan, you’ll need to turn that money into an income once you retire. According to the experts, the best way to do this is to purchase an annuity. This basically means you pay a sum of money from your pension fund to an annuities provider, who in turn will transfer it into an income for you. This will continue for the remainder of your life. There are several types of annuities available –conventional annuity with a level or changing income, with-profits annuity, or unit-linked annuity – which can provide you with various different advantages. Which one you opt for is dependent on your individual circumstances and will affect how much cash you receive. It’s absolutely essential however, that before you jump straight into buying an annuity you consider each option carefully, as once selected it cannot be changed. Another option you can choose is to take out a tax-free cash lump sum. Generally speaking, you’re able to extract a maximum of 25 percent from your pension plan, which will not be tax deductible. Although this option means your overall pension will be lowered, you’re then able to invest the lump sum in other schemes. Another way to secure cash once you’ve retired is to take out an Equity Release scheme. This involves taking out a loan on your property or selling all or part of your home in return for a regular income or a lump sum. They can be great for obtaining a lump sum of cash from your home, but are not always the best option for everyone. Consequently, make sure you do your homework before agreeing to sign up for one. This is a lifetime mortgage. To understand the features and risks, talk to a financial adviser. Taking out a lifetime mortgage could affect your tax position, your eligibility for means tested benefits and ability to move or sell your property. A lifetime mortgage will reduce, possibly to nothing, any inheritance you decide to leave. So, before you retire, make sure you’re up to speed with your financial situation. By spending just a little bit of time researching your options now, you will save yourself from a potential hardship come your retirement, meaning you can fully enjoy your new found freedom! This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Instant Loans – Fastest Monetary Solution for You

Are you passing through that period of the month when your wallet has been exhausted but there’s some more spending left to do? Emergencies come without any prior notice. Your car may crash suddenly. Your best friend’s birthday is around the corner. Your relatives may drop in without any notice. Your family members may need some urgent medical care. What if the money you have is not sufficient for the expenses. You cannot always rely on your boss or friends. But yes, you can rely on the internet based money lenders who are now offering instant loans.

Instant decision loans are the fastest approval loans that grant you the required amount of cash within least possible time with ease and comfort. These are basically short term loans which are unsecured by nature and avail you short term money for your temporary short term expenses. To tackle an immediate emergency at the end of the month when you your salary get exhausted and need of emergency funds arise without any prior invitation, you can get instant cash with these loans. When the borrower is in need of emergency to meet his immediate needs, they can easily get the required amount of cash.

These loans are very similar to payday loans and are basically meant to help you with finances, so that you can overcome the monetary crisis without any glitch. The approval of the loans come instantly, thus by enabling you to cover expenses on needs like paying medical bills, credit card dues, loan installments, sudden tour, house or car repair etc. To help you with the expenses, amount in the range of £100-£1500 is approved, which is directly wired in to your bank account in less than 24 hours. You are supposed to repay the amount on your next payday. However, if you are not in a position to repay the amount, the repayment term can be extended by a few days more. There is no need to pledge any collateral for its approval; instead for the approval of the loans, you must be employed in any organization for the past few months. The monthly income you draw should be a minimum of £1200.

Under the scheme of instant online loans, the loan companies do not ask you to fax supporting documents. This saves your time you would otherwise have spent on locating the documents and then getting them attested before facing them to the lender. Imagine the time you saved. The verification hardly takes few hours. These money lenders have a wide network across the UK so they can trace your information within hours of applying.

To avail the loans, you have to fulfill some preconditions specified by the lenders. In this regard:

The approval of the loans does not take too much time. In fact, the amount will be transferred in to your account in less than 24 hours.

Instant cash loans are short term loans, designed to help you meet sudden unexpected needs at very suitable terms and conditions. These loans are open to both good credit as well as bad credit borrowers. To get hold of the best loan deals, you should prefer applying online from UK FINANCIALS LTD. Money is not a static thing. The day you receive your salary it gets finished in paying the pending bills. You may need money immediately at any time. For such situations there is one ideal loan and it is the same day cash loans from UK FINANCIALS LTD. The time limit is good enough for one to repay these loans because you can adjust the repayment date with your payday very well. These loans will be provided to you on the same day just because there is no credit checking system.

UK FINANCIALS LTD can be the best solution for your need. Apply Instant online loans from UK FINANCIALS LTD is the instant and most convenient way. Ravi Mishra is an expert in finance and he is currently working with Best Instant online loans as a financial advisor. To find cash advance payday loans, instant loans, pay day loans uk, cash loans same day visit www.ukfinancials.com

UK Financials Ltd,

501, International House,

223 Regent Street, London – W1B 2QD

0203 051 4841

Credit cards have a variety of uses in modern day living, for example you might need to book flights for which you don’t have the money upfront. In this situation you could use your credit card to make the purchase and then pay the balance off each month until you’re back at zero. A major bonus of credit cards is the fact they are accepted all over the world from Australia to Austria. You need to look out for the logo that belongs to your credit card, usually displayed in the windows of stores and shops worldwide, and then you can shop until your heart’s content. You can also use your credit card to purchase goods over the telephone and online, as well as in person, which adds to the convenience by paying with plastic. Before you apply for a credit card it helps to think about how you will actually use the card. If you plan to settle the full balance every month then a card that has no annual fee and longer payment terms might be suitable for you. If you think that you might carry over a balance from month to month then a card that offers a lower interest rate might be what you need. The lower the interest the better, as you end up paying less money back in the long-term. If you plan to use your card to get cash advances it is wise to look for a card with low interest and lower fees on cash advances. Some cards charge more interest for cash advances than for purchases so this is a point worth checking before signing on the dotted line. The annual percentage rate (APR) is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest as a yearly rate so make sure you compare like for like when weighing up different cards. Some credit card companies offer introductory APR rates so remember that a different rate will apply once the introductory offer expires. Using a credit card can help to build a strong credit rating for yourself, which is a handy benefit when it comes to applying for loans and mortgages in the future. Bear in mind you need to pay your credit card balance off and use the card sensibly in order to boost your credit rating. If you fail to keep up with credit card repayments you may in fact damage your credit rating and cause financial complications for yourself. Using credit cards to pay for household bills and expenses is an easy way to keep all your spending in one place and makes it easy to track your finances. Just remember to pay the minimum balance off each month!

FOR IMMEDIATE RELEASE

PRESS RELEASE

September 23rd 2008

Circulator™, Ireland’s leading web-based email marketing solution, today gained a lucrative UK presence by announcing the opening of a new office in partnership with International Software Publishing Limited, who will trade under the name of Circulator UK.

The office is part of Circulator’s global expansion of its email and newsletter web- based marketing solution. The UK team, based in Fareham, Hampshire, will provide support and manage sales for Circulator’s UK customers and develop a reseller channel.

Circulators differentiator in the marketplace is its pricing model. Customers only pay on the months they send emails and the price per email is dependant on the cumulative amount of emails you’ve sent.

After continued success within the Irish market, including winning a much coveted award at the All Ireland Marketing Awards, Circulator founder, Don Farrell said, “we have noticed a gap in the UK market for easy to use web-based email marketing solutions. Our dynamic pricing structure means that you more send the more you save. Unlike our rivals, we don’t force customers to choose a monthly plan and penalise them when they exceed it.

With this in mind they have partnered with International Software Publishing, who have expertise in direct marketing, CRM and data management through their subsidiary company DQ Global.

Martin Doyle, Managing Director of the newly created Circulator UK, commented, “…research has shown that email marketing has a staggering 45:1 return on investment (ROI). This is highly relevant during an economic downturn, when all businesses have to optimise their investment in marketing.

About Circulator

Circulator™ is a web-based email marketing solution allowing its clients to easily create, update, manage and measure their online marketing campaigns.

Whether clients are new to e-marketing or have experience in this field, Circulator specialises in pre-designed customisable templates, data management and easy to use solutions for every step of the email marketing journey. Headquartered in Dublin, Ireland, Circulator also has a regional office in Fareham, UK, serving worldwide clients including: Bank of Scotland, Kingspan, Marriott and WorldSpreads.

www.circulator.com

For more information, please contact Michelle Soper-Dyer

Tel+44 (0) 2392 987792

Email:michelle.soper-dyer@circulator.com

People in the UK who are planning to retire during 2008 are likely to face their later years earning a lower-than-average annual income, a new study has revealed. Research carried out by Prudential found that adults retiring this year will live off an average income of £18,663 a year, which is £5,000 less that the average income for a working adult.

Women are likely to have to survive on less each year than men, the findings show, with an average income of £11,291 compared to the male average of £20,790. Some 46 per cent of this year’s retirees surveyed, however, said that they expected to have a comfortable retirement funded by state and work pensions and savings. For 36 per cent these financial provisions were not considered to be enough to retire in comfort, while 18 per cent weren’t sure.

Gary Shaughnessy from Prudential pointed out that the demise of many final salary pension schemes would mean retirement incomes were reduced and added that it was “worrying” that just 24 per cent of those polled had sought financial advice.

Even those prospective retirees who have made plans for the future could be missing out on some pension benefits, according to another study. Research from Lincoln Financial Group revealed that 1.8 million savers in the UK have staked their future income on the stock market, rather than in long-term pensions. Some 26 per cent of people aged over 55 found by the poll to have invested in shares see such concerns as an alternative to a pension and 21 per cent would up their investment even in the face of recent economic instability. Simon O’Connor from the firm said that the tax advantages offered by long-term pensions saving alone can make this option worthwhile.

The Prudential report also highlighted the importance of seeking advice when making financial plans for the future. Inflation increases, as well as the increasing life expectancy of people in the UK, mean that the pension provision people do make – whether in pensions products, savings or investments – may need to last a long time. Mr Shaughnessy pointed out the potential tax breaks available that are often not utilised by savers, and added that diversifying savings across pensions, mortgages and investments with the aid of financial advice can help people get the most from the money over the long-term.

A premier banking account customer can get guidance and assistance from experts in the fields of pensions and investments via their premier banking manager.

Disclaimer:

This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Shopping online is quick and convenient, two of the reasons it’s become so popular. It’s also a great way to save money. If you want to save a bundle, just use these 5 vital money saving tips when you are shop online. Discover for yourself why savvy shoppers have turned to the internet to do their shopping.

Suddenly you have no brand restrictions; no availability problems, no dragging the kids from mall to mall, no parking worries, and you can find amazing discounts just by visiting the right sites. Just grab a cup of java and start shopping.

Online Rebates – If you are in the market for bigger items that may not be suitable for shipping, keep your eyes open for retailers that offer online rebates, which are the equivalent to a huge discount and can save you a real bundle. You will make your purchase at the store and be provided with a website that you will then visit when you get home. There you will enter the UPC code and any other information it asks for. The manufacturer will then send you a check.

Shop Around – When shopping online don’t settle for the first one you find. Instead shop around – it’s quick and easy, will take very little extra time, but can translate into substantial savings. Price compare and watch for items on sale, especially in this market, there seems to be a lot more dramatic price reductions.

Vouchers, Coupons, and Discounts – If you know where to go there are thousands of sites that offer vouchers, coupons, or some type of discounts in their online stores. For example 5 Star Shopping Mall is a mall that’s based around vouchers discounts. They do the work and put all the best buys in one place. And from the looks of things they have almost everything you’d ever want to buy.

Free Shipping – When you buy online you usually have shipping costs which can be significant depending on what you’ve purchased. Look for sites that have free shipping or that offer free shipping vouchers. You can save as much as 30% by doing this.

Save the Sales Tax – Many e-commerce sites will only charge the sales tax for the state they are based in, and other states will have no sales tax charged. Look for these sites. It can be quite a money saving challenge.

Shopping online provides you purchasing opportunities that shopping locally can’t give you. With secure checkouts it’s as easy as providing your credit card number, and waiting for you package to arrive in the mail.

Now that you have these great money saving tips for shopping online, what are you waiting for? There are deals to be found and bargains to enjoy. Whether you are in the market for footwear, handbags, cosmetics, clothing, food, furniture, or electronics there’s an abundance of available merchandise online. No longer do you have to pay too much. The days of paying retail are gone. Enjoy the convenience of online shopping today!

Visit 5 Star Shopping Mall for up to date vouchers and promotional offers.