tag:blogger.com,1999:blog-57956733105467350582024-03-18T20:59:34.506-07:00vFacts Research ServicesEmployee Background Verification / Screening Services, Tenant Verification ServicesUnknownnoreply@blogger.comBlogger21125tag:blogger.com,1999:blog-5795673310546735058.post-45853299084265526722015-09-08T08:10:00.001-07:002015-09-08T08:10:25.953-07:00Reality of Fair & Lovely: Exposed by Rajiv Dixit<div dir="ltr" style="text-align: left;" trbidi="on">
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दोस्तो अगर fair & lovely से गोरापन आता तो ये अफ्रीका वाले क्यूँ काले है ???<br />एक बात हमेशा याद रखे !दुनिया मे fair & lovely लागने से कोई आदमी गोरा हुआ नहीं और आगे होने की कोई संभावना नहीं !</div>
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क्यूंकि गोरा और काला होने का सिद्धांत ही अलग है !हमारे रक्त (blood) मे एक कैमिकल होता है उसका नाम है Melanin ! जब melanin की मात्रा बढ़ जाती है तो शरीर काला पड़ जाता है और जब melanin की मात्रा कम हो जाती है तो शरीर गोरा हो जाता है ! और जब melanin की मात्रा न बढ़ती है न कम होती है तो शरीर सांवला हो जाता है ! हम सब हिन्दुस्तानी साँवले है क्यूंकि melanin की मात्रा न ज्यादा है न कम ! और आदर्श(prefect) स्थिति यही होती है !!</div>
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पूरी post नहीं पढ़ सकते तो यहाँ click करें !<br /><a href="https://www.facebook.com/l.php?u=https%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv%3DQA7wiyifHPk&h=iAQH8GoDjAQFlSJQef1enHmerLvmPvl7xbEC7bNXAfw7UTA&enc=AZMJPd-UatE2tqZ1SY4PH63BpKPbBih_dYK-yZbq7Tg3kCkZUbxj6G_CK7Xir0qQIDdz1ykMsB0pjTc1SE-E4OD1PIagHrVLdv6d5fMhS0_5oYgVWHzKzesX83FnGBAcxxW4Fel-Z5VCJ-gdd6dxuCac5Vg4K0Sgjk1I8HrJt9Bcmyqz2bBMP97f_hXrJ4P7HbhLMpZg2R9oJQIl9YrCmzOW&s=1" rel="nofollow" style="color: #3b5998; cursor: pointer; text-decoration: none;" target="_blank">https://www.youtube.com/watch?v=QA7wiyifHPk</a></div>
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हमारे देश मे एक राष्ट्रपति थे डा राधा कृष्णन ! वो एक बार लंदन गए वहाँ अंग्रेज़ पत्रकारो ने उन्हे चिढ़ाने के लिए एक सवाल पूछा !</div>
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आप हिन्दुस्तानी काले क्यूँ होते है ??</div>
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तो डाक्टर राधा कृष्णन ने इतना सुंदर जवाब दिया वो आप सबको देना !<br />उन्होने कहा हम हिन्दुस्तानी काले नहीं होते कुछ और होते है !<br />अंग्रेज़ ने पूछा तो क्या होते है ???</div>
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डाक्टर राधा कृष्णन ने एक कहानी सुनाई !<br />उन्होने ने कहा भगवान जी ने रोटी बनाई और वो कच्ची रह गई वो सब खाकर तुम सब अंग्रेज़ पैदा हुए !</div>
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भगवान जी ने फिर एक रोटी बनाई वो जल गई उसको खाकर ये अफ्रीकी पैदा हुए !</div>
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और फिर भगवान जी ने तीसरी रोटी बनाई वो न जाली न कच्ची रही बराबर सिकी !<br />उसे कहकर हम हिन्दुस्तानी पैदा हुए !<br />____________</div>
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तो हम काले नहीं साँवले है और आज विज्ञान ने स्वीकार किया है कि साँवले रंग वालों को त्वचा का कैंसर होने की संभावना सबसे कम होती है !कारण क्या है खून मे melanin की मात्रा सबसे perfect हमारी ही है !!इसलिए अपने साँवले होने पर गर्व करो इसे हीन भावना से मत देखो !</div>
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और बार - बार ध्यान करो !</div>
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कि भगवान शंकर जी साँवले<br />!<br />भगवान राम साँवले !</div>
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भगवान कृष्ण साँवले !</div>
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तो हम गोरे होकर करेंगे क्या ??????? हम तो साँवले ही अच्छे !</div>
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और जब ये बात मन मे बैठ जाये कि हम तो साँवले ही अच्छे है तो फिर ये fair & lovely की जरूरत क्या ?? ये तो गोरा बनाने वाली क्रीम है <i class="_4-k1 img sp_fM-mz8spZ1b sx_f1b071" style="background-image: url(https://fbstatic-a.akamaihd.net/rsrc.php/v2/yx/r/pimRBh7B6ER.png); background-position: 0px -391px; background-repeat: no-repeat; background-size: auto; display: inline-block; height: 16px; vertical-align: -3px; width: 16px;"><u style="left: -999999px; position: absolute;">tongue emoticon</u></i></div>
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और दोस्तो जब ये विज्ञापन बार - बार tv पर आता है न ! कि fair &amp; lovely लगाओ आप दो दिन मे गोरे हो जाओगे 3 दिन मे हो जाओगे 1 महीने मे गोरे हो जाओगे ! तो इसको देख भारत की करोड़ो काली माँ ,बहन , बेटियो की छाती पर आड़ी चलती है ! आप इसको महसूस करो !</div>
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आप तो जानते हैं हमारा हिंदुस्तान तो 121 करोड़ की आबादी का है और उसमे 50 करोड़ तो माताए बहने हैं और उनमे से 40 से 45 करोड़ मताए ,बहने या तो काली है या साँवली है ! उनके दिलो पर कटार चलती है जब वो ये विज्ञापन देखती है ! हाय रे हाय गोरेपन की क्रीम fair lovely</div>
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और फिर उन माताओ बहनो को लगता है कि गोरे होने से ही जिंदगी सवर्ती है और आपको जानकार हैरानी होगी कई बहने ने सिर्फ इस बात के कारण आत्म ह्त्या कि काले रंग के कारण उनकी शादी नहीं हो पा रही थी !<br />________________________________________________________________</div>
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fair & lovely (विदेशी कंपनी क ज़हर) के खिलाफ़ मद्रास हाईकोर्ट में केस ।<br />_____________________________________________________________</div>
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राजीव दीक्षित जी का दोस्त जो होस्टल में उनके साथ पड़्ता था । 12 साल से fair and lovely लगा रहा था । फ़िर भी चिक्कट काला । और बोला होस्टल में आने से पहले भी 8 साल से लगा रहा है ।</div>
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राजीव भाई ने कहा कभी तो तु सुधरेगा । तो उसने कहा कल से fair and lovely बंद ।</div>
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राजीव भाई ने पूछा तेरे पास fair and lovely ख़रीदने का बिल है । उनसे<br />कुछ बिल निकाल कर दिये । जिसके आधार पर उन्होने मद्रास हाईकोर्ट में केस दर्ज कर दिया । पहले तो जज ने कहा मेरे घर में भी यही समस्या है <i class="_4-k1 img sp_fM-mz8spZ1b sx_f1b071" style="background-image: url(https://fbstatic-a.akamaihd.net/rsrc.php/v2/yx/r/pimRBh7B6ER.png); background-position: 0px -391px; background-repeat: no-repeat; background-size: auto; display: inline-block; height: 16px; vertical-align: -3px; width: 16px;"><u style="left: -999999px; position: absolute;">tongue emoticon</u></i> ! लेकिन उसने बहुत सुंदर जजमेंट दिया !<br />कंपनी के अधिकारियो को वहां जाना पड़ा । जज ने पूछा । कि आपने इसमे क्या मिलाया है ।<br />जो काले को गोरा बना देती है । उन्होने बोला जी कुछ नहीं मिलाया । तो जज ने पुछा ये बनती कैसे है । तो उन्होने कहा( सूअर की चर्बी के तेल से )।</div>
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देश के पढ़े लिखे गवार विज्ञापन देख आपने मुँह पर सुअर की चर्बी का तेल थोप रहे है । और अपने आप को बहुत होशियार समझ रहे है !!<br />और यह कितनी महंगी है !!</div>
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25 ग्राम 40 रुपए की<br />मतलब 50 ग्राम 80 रूपये की<br />और 100 ग्राम 160 रूपये की !<br />मतलब 1600 रूपये की 1 किलो !!</div>
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देश के पढे लिखे ग्वार लोग 1600 रूपये किलो का सूअर की चर्बी का तेल मुह पर थोप रहे हैं लेकिन 400 -500 रूपये किलो बादाम या काजू नहीं खा रहे !!!!</div>
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मित्रो सुंदरता fair and lovely मे नहीं है सुंदरता करीम पाउडर या लिपस्टिक में नहीं है !!<br />सुंदरता गुण कर्म और सुभाव में होती है !!</div>
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आपके गुण अच्छे है कर्म अच्छे है सुभाव अच्छा है तो आप बहुत सुंदर है !!<br />_______!!</div>
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यहाँ जरूर click करे !!</div>
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वन्देमातरम !</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-46314331908637821862015-09-08T07:58:00.001-07:002015-09-08T07:58:15.006-07:00हिन्दुओं का धार्मिक रंग भगवा क्यों है ?<div dir="ltr" style="text-align: left;" trbidi="on">
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हिन्दुओं का धार्मिक रंग भगवा क्यों है ?</div>
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हिन्दू का धार्मिक रंग भगवा है क्योंकि भगवा रंग ज्ञान का प्रतीक है ! यह अग्नि का भी प्रतीक है !<br />जैसे अग्नि के प्रदीप्त होते ही अंधकार का नाश होता है और प्रकाश का आगमन वैसे ही भगवा इस बात का द्योतक है कि ज्ञान रुपी अग्नि में अज्ञानता का नाश हो जाता है !<br />हिन्दू धर्म में अग्नि को आत्म ज्ञान का रूप माना गया है ! भगवा के रंग में सूर्य, मंगल और बृहस्पति के रंगों को समाहित माना गया है !<span class="text_exposed_show" style="display: inline;"><br />और माना गया है कि ज्ञान की तृष्णा मंगल से, ज्ञान से सत्य कि प्राप्ति सूर्य से और ज्ञान की स्वयं प्राप्ति बृहस्पति से है यह सन्देश है भगवा के रंग में!<br />भगवा रंग योग की अग्नि में पकने का भी सूचक है। यानी अगर कोई व्यक्ति परिपक्वता और समझदारी के एक खास स्तर तक पहुंच गया है भगवा रंग एक नई शुरुआत और परिपक्वता का सूचक है।<br />यह रंग आपके आभामंडल और आज्ञा चक्र से भी जुड़ा है, यह ज्ञान का भी सूचक है और यह भी बताता है कि इस इंसान ने जीवन के प्रति एक नई दृष्टि विकसित कर ली है।</span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-63538948052462013902015-09-08T07:43:00.004-07:002015-09-08T07:43:35.403-07:00American Agent Manmohan Singh And His Globalization Collapsed INDIAN Economy Exposed By Rajiv Dixit<div dir="ltr" style="text-align: left;" trbidi="on">
<b><span style="font-size: large;">American Agent Manmohan Singh And His Globalization Collapsed INDIAN Economy Exposed By Rajiv Dixit</span></b><br />
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1991 मे चुनाव का दौर चल रहा था ! कोई परिणाम अभी आया नहीं था मई 1991 की बात है राजीव गांधी अभी जिंदा थे फ्रांस के एक लोकल अखबार Le Monde मे एक खबर छपी ! खबर ये थी की किसी भी पार्टी की सरकार आये अगले वित मंत्री डाक्टर मनमोहन सिंह होंगे<br />(Dr. Manmohan Singh would be the next Finance Minister of India.)</div>
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राजीव भाई ने भी ये खबर जब पढ़ी तो वो हैरान हो गए और ये अखबार की कटिंग अपने कुछ मित्रो को दिखाई तो उन्होने बात मज़ाक मे टाल दिया की उन्होने कहा ये लोग कुछ भी लिखते रहते है ऐसे ही ये <span class="text_exposed_show" style="display: inline;">भी लिख दिया होगा !लेकिन जब चुनाव के बाद मनमोहन सिंह को सच मे वित मंत्री की शपथ दिलवाई जा रही थी तो राजीव भाई के कान खड़े हो गए की Le Monde अखबार कैसे कहता है की मनमोहन सिंह अगले वित मंत्री होंगे ?? तब राजीव भाई के एक परिचित है world bank मे काम करते थे</span></div>
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उन्होने राजीव भाई को बताया की शायद तुम जानते नहीं world bank बहुत पहले तय कर चुका था की मनमोहन सिंह को अगला वित मंत्री बनाना है!<br />राजीव भाई ने कहा मनमोहन सिंह और world बैंक मे क्या नाता है ?? तो उन्होने ने कहा मनमोहन सिंह वर्ल्ड बैंक मे 10 साल नौकरी कर चुके हैं ! world bank IMF को एक ऐसा व्यकित चाहिए जो भारत मे उनको शर्तो को लागू करवा सके और उनके हित के लिए कानून बनवा सके !<br />_________________<br />अर्थात इस देश का वित मंत्री कौन होगा ये हमारी संसद तय नहीं करेगी world BANK,IMF<br />तय करेगा ? तो इस देश के लोकतन्त्र और राजनीतिक प्र्भुस्त्ता का क्या अर्थ बचा ?? —<br />पहले 30 मिनट ये विडियो जरूर देखें<br />click here<br /><a href="http://www.youtube.com/watch?v=kfwWyWsADhs" rel="nofollow" style="color: #3b5998; cursor: pointer; text-decoration: none;" target="_blank">http://www.youtube.com/watch?v=kfwWyWsADhs</a></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-15121921555352500212015-08-22T01:56:00.001-07:002015-08-22T01:56:49.536-07:00Cab Drivers' need to undergo verification mandatory - Cab drivers’ details to be verified<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgo2Lc7U-UDfkdxX0gwWdvUKmOVPVaem2Jt0ehgAXYqBH1hYVdPo9eY6BgCNnN6Zz2Q9r_SJgx70hRjQnHuyhiGY8goZ7oxcL43VbPat7CEs4h6VN6qNq-QI1Ymqg0nkn6iOsmwbzPKMVIC/s1600/uber-taxi.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="235" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgo2Lc7U-UDfkdxX0gwWdvUKmOVPVaem2Jt0ehgAXYqBH1hYVdPo9eY6BgCNnN6Zz2Q9r_SJgx70hRjQnHuyhiGY8goZ7oxcL43VbPat7CEs4h6VN6qNq-QI1Ymqg0nkn6iOsmwbzPKMVIC/s400/uber-taxi.jpg" width="400" /></a></div>
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With more questions raised on the safety of women passengers in radio taxis, city police are taking no chances. They have asked cab operators to furnish details of drivers and get them verified from police stations. <br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Confirming the directive to cab operators, DCP (law and order) Shekhar HT told TOI that service providers have to pay a minimum fee for police verification. <br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />The move comes in the wake of an alleged case in which a cab driver molested a woman passenger in Gurgaon. <br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Cab services started in Mysuru in August 2014. Nano Taxi was the first to start its services in Mysuru followed by TaxiForSure, Ola and Meru. In the past 10 months, these cab operators have developed a good customer base. <br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Nano Taxi general manager R Vijaykumar said that a majority of its customers are women. "Since about 67% of passengers are women, we take utmost care to ensure their safety. We track every ride and take feedback from the passengers. So far, there has not been a single complaint of misbehaviour against any of our 75 drivers. We have been training our drivers on how to behave with passengers, especially women," said Vijay. <br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Vikram Lakshminath, an assistant manager with Ola, said its cabs are fitted with GPS devices. "Details of our drivers have been submitted to police for verification," he said.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-29952513859276980382015-08-22T01:41:00.003-07:002015-08-22T01:41:26.071-07:00Cab Drivers' Verification - Police begin verification drive for cab drivers<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="line-height: 16px;"><b><span style="font-family: Verdana, sans-serif;">Traffic police are starting a drive where they will meet private taxi owners over police verification process. </span></b></span><br />
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<span style="line-height: 16px;"><span style="font-family: Verdana, sans-serif; font-size: x-small;">In the wake of sexual assault of a woman by an Uber cab driver in Delhi, the Mumbai police have decided to ask private taxi operators to subject their drivers to police verification and also launched a separate drive to check antecedents of private taxi drivers. </span></span><br />
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<span style="line-height: 16px;"><span style="font-family: Verdana, sans-serif; font-size: x-small;">Joint commissioner of Police (Traffic) B K Upadhyay said private cab operators hired as drivers anyone with a driver’s licence. “There is no legal provision on checking the background of the drivers while hiring them,” he said. Upadhyay said many women had expressed concerns through the social media about their security while travelling in a private cab. “Many women have tweeted to us and expressed worries on other social media,” said a traffic police officer. To address these concerns, the traffic police are starting a drive where they will meet private taxi owners over the next few days and ask them to get all their drivers undergo a police verification process. They will also meet fleet owners to discuss their security norms and check if they have installed GPS devices in their vehicles as claimed. </span></span><br />
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<span style="line-height: 16px;"><span style="font-family: Verdana, sans-serif; font-size: x-small;">Mumbai Police Commissioner Rakesh Maria on Monday instructed all police stations to contact private taxi operators in the city and check antecedents of all the drivers employed with them. </span></span><br />
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<span style="line-height: 16px;"><span style="font-family: Verdana, sans-serif; font-size: x-small;">“We will check our records to see if any of them have ever been arrested or convicted for a crime and take appropriate action,” said Mumbai Police spokesperson DCP Dhananjay Kulkarni. An officer said one of the points under discussion was what action could be taken against drivers or taxi operators in case of non-compliance. </span></span><br />
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<span style="line-height: 16px;"><span style="font-family: Verdana, sans-serif; font-size: x-small;">“Registering details of all taxi drivers in our records will also send a message to them they are under the scanner, which will act as a deterrent,” said the officer. </span></span></div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5795673310546735058.post-43985233177194395632015-08-18T03:17:00.005-07:002015-08-18T03:17:54.015-07:00Banks liable for fraud by its employees - India Today<div dir="ltr" style="text-align: left;" trbidi="on">
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Banks cannot disown their liability to the depositors in the event of their employees committing fraud on the depositors during the course of their employment with the bank.</h2>
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By Every one of us has one or more savings, current or fixed deposit accounts with one or another bank. In the case of savings bank account the pass book is given to the account holder wherein the entries of the deposits or withdrawals are made at intervals. In this connection, two questions arise.</div>
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One, do the entries in the pass book have any sanctity? And two, would the bank concerned be liable to make good the loss to the account holders in case the bank's employee(s) embezzle the depositors' funds by manipulating the entries in the pass books? The above questions arose in a bunch of cases, which were recently decided by a common judgment by the National Consumer Disputes Redressal Commission on September 7, 2010. Fifteen depositors, who were villagers living in Lakhnaura, District of Ambala (Haryana), noticed that their pass books indicated certain credit balances that were at variance with those appearing in the bank's ledger account. The discrepancy indicated a number of withdrawals which were never made by the depositors. Besides, some of their fixed deposits too were shown to have been prematurely withdrawn.</div>
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The bank involved in all these cases was the Haryana Gramin Bank, which has a branch office in the village where the depositors concerned were residing. All the depositors reported the matter to the bank, which on investigation found that the withdrawals from the accounts of these depositors were made without any payin-slips or cheques issued by them and the pass books were also manipulated so as not to show such withdrawals.</div>
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All these amounts were frittered away by Pawan Kumar Lehna, exbranch manager.</div>
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While criminal cases were filed against the ex-branch manager and some other employees, complaints were also filed against the bank before the District Consumer Disputes Redressal Forum, Rohtak where the bank denied its liability on the plea that the fraud was committed by its employee(s) against whom the matter was pending in the criminal court and that the bank was in no way responsible to the depositors. Repelling the bank's contention, the District Consumer Forum directed the bank to pay all the depositors the amounts which had been unauthorisedly withdrawn from their accounts. An appeal was filed by the Haryana Gramin Bank before the Haryana State Consumer Disputes Redressal Commission, Panchkula which by its order dated March 19, 2010 held the bank vicariously liable for the fraud and embezzlement of the amounts deposited by its customers.</div>
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The bank concerned came up before the National Consumer Commission in 15 revisions filed against the order of the Haryana State Commission which, by its order dated September 7, 2010 dismissed all of them by upholding the orders passed by the State Commission and the District Forum.</div>
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The judges relied on the judgment of the Supreme Court in State Bank of India v. Smt.</div>
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Shyama Devi AIR (1978) 1263 (SC) wherein the apex Court had held that "a master is liable for his servant's fraud perpetrated in the course of the master's business, whether the fraud was for the master's benefit or not, if it was committed by the servant in the course of his employment". While the above judgment will not only be of great help to banks' depositors who go by the pass book entries but also serve as a warning to banks that they cannot disown their liability to the depositors in the event of their employees committing fraud on the depositors during the course of their employment with the bank.</div>
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The judgment also calls upon the depositors not to take the entries in their pass books on their face value but to check their accounts with the banks at regular intervals.</div>
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Author is an advocate & editor of Consumer Protection & Trade Practices Journal (CTJ) rosykumar2000@ yahoo. com</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-83387764432509406852015-08-18T03:16:00.001-07:002015-08-18T03:16:10.674-07:00Ex-employee couple accused of Rs 60 lakh fraud<div dir="ltr" style="text-align: left;" trbidi="on">
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GURGAON: A former senior employee of an online business portal was arrested on Saturday for allegedly cheating the company out of nearly Rs 60 lakh, with the help of her husband. A city court later sent her to judicial custody.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Police said the accused, Bableen Anand, and her husband Varun, residents of Kirti Nagar in Delhi, used to work with the Udyog Vihar-based firm till six months ago, and used their position to launder money from the official accounts of the company to their relatives' and personal accounts.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Global Enterprises is an online portal that books airline tickets, hotels and cabs at discounted rates. It claimed in the FIR, filed on April 10, that the couple used to transfer funds from the accounts of their subordinates to their personal accounts.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Since they were heading separate teams, the couple knew the account details and passwords of the persons working under them, and had access to the money, police said. Varun used to transfer the funds to Bableen's account and she used to further transfer them to other non-official accounts.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />A year ago, Varun quit the company and started a new portal, happilycheckin.com, which was set up with the fraud money collected during his tenure. Six months after he quit, Bableen also left the firm and joined her husband in the management of their portal.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />Police said both of them had hacked into the accounts of current employees to gain access to the funds and used to launder money even after they had quit the firm.<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />After investigation by the cyber crime wing, police raided the couple's house and recovered Rs 50,000 from there. Cyber crime cell officers have so far found only 10% of the documents related to the fraud and have calculated a total loss to the tune of Rs 60 lakh to the company.</div>
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Source: http://timesofindia.indiatimes.com/city/gurgaon/Ex-employee-couple-accused-of-Rs-60-lakh-fraud/articleshow/47486192.cms</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-92047771983776896202015-08-18T03:11:00.001-07:002015-08-18T03:12:42.830-07:00KPMG’s Latest India Fraud Survey Kicks Up Some Dangerous Statistics<div dir="ltr" style="text-align: left;" trbidi="on">
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I was intrigued recently when the <a href="http://www.in.kpmg.com/FraudSurvey2012/Reports/KPMG%20India%20fraud%20survey%202012.pdf" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">KPMG India fraud survey 2012</strong> (download it here)</a> threw up a shocking conclusion – Corporate India dubs <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">rising fraud</strong> as an inevitable cost of business. Close to 55 % of respondents polled indicated that their organisations experienced fraud in the last two years vis-à-vis 45 % in the 2010 edition of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">KPMG’s fraud survey</strong>.</div>
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However, it is surprising to note that 71 percent of the respondents think of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fraud</strong> as an inevitable cost of doing business. This includes 80 percent of respondents who stated that they had experienced fraud in the last two years. What is hardly surprising is the fact that Indian companies outnumbered multinational firms in this view. I agree with the report’s view that this is a dangerous attitude to have as it could lead to organisations having a tolerant approach towards fraud and subsequently not investing enough in the appropriate fraud risk management controls and framework. It also translates into a culture of merely reacting to fraud and not proactively taking steps to mitigate it.</div>
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<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Let us look at the graphic below to understand better what a company’s employee feels about the state of corporate fraud in India today:</strong></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheLcpAKKQpZpXMZn9RB1dOUcBrAhzXYLyPBbTkOwRcCdxsQ05mPeoGu8vmVlI0imTu6HRJkqCQm64ndoZg7K82-RaHjnCF2AU0jmR72RPQPXMMEt_oMgNHRLe-BTjXZqAz1XUTrmrzyNE_/s1600/fraud.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheLcpAKKQpZpXMZn9RB1dOUcBrAhzXYLyPBbTkOwRcCdxsQ05mPeoGu8vmVlI0imTu6HRJkqCQm64ndoZg7K82-RaHjnCF2AU0jmR72RPQPXMMEt_oMgNHRLe-BTjXZqAz1XUTrmrzyNE_/s640/fraud.jpg" width="607" /></a></div>
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<em style="border: 0px; font-family: Calibri, Candara, Segoe, Optima, sans-serif; font-size: 12px; font-stretch: normal; margin: 0px; padding: 0px; vertical-align: baseline;"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">* Info & Graphics Source – KPMG India Fraud Survey 2012</strong></em></div>
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We can see that the perception levels for frauds like <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">money laundering</strong> (47%), <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">internal reporting related frauds</strong> (44%) and <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">intellectual property fraud</strong> (40%) too are significantly higher (compared to <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">KPMG’s 2010 survey</strong>). These frauds today rely on technology to increase their impact. Let us now look at the sectors that are perceived as most vulnerable to fraud.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi750iUs8lvhwy6fLaH1bvLDq3u97IgPwUDO_sZqeoPPS0Rbbi_ZqTgtuH_HQyvRKUlxV-_Z7qBaAesCPPz_q8pzXyQoAcKTpkQRoIBzyMCWZOhvgXEEPJ1EiiiCwT_bwYvZXE0ifOU5Yqw/s1600/fraud1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="472" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi750iUs8lvhwy6fLaH1bvLDq3u97IgPwUDO_sZqeoPPS0Rbbi_ZqTgtuH_HQyvRKUlxV-_Z7qBaAesCPPz_q8pzXyQoAcKTpkQRoIBzyMCWZOhvgXEEPJ1EiiiCwT_bwYvZXE0ifOU5Yqw/s640/fraud1.jpg" width="640" /></a></div>
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<em style="border: 0px; font-family: Calibri, Candara, Segoe, Optima, sans-serif; font-size: 12px; font-stretch: normal; margin: 0px; padding: 0px; vertical-align: baseline;"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">* Info & Graphics Source – KPMG India Fraud Survey 2012</strong></em></div>
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It does not require a survey to realise that the <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">financial services and banking industry</strong> that is so heavily reliant on<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">technology</strong> faces the gravest threat. While technology can be a great facilitator for the business, it can also offer an equally potent platform for committing frauds like <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">cybercrime</strong>, <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">phishing</strong> and<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"> data theft</strong>.</div>
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Possible <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">misuse of technology</strong> in the <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">banking sector</strong> includes use of banking access for over payments to vendors / self bank account, sharing of potential confidential information and misuse of company’s technology resources for unauthorised activities including conflicting business relationship. Additionally, providing services on mobile and social media platforms with limited knowledge of the security requirements, poses threats to customers as well as financial institutions. Some of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">India’s co-operative banks</strong> may choose the <a href="http://www.datamatics.com/" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">cheapest IT Services company</strong></a> to design and develop their bank’s <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">internet banking website</strong> but in such cases cheap may not be best!</div>
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<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"></strong>Procurement function continues to be most vulnerable to fraud</h2>
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Survey respondents have rated<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"> procurement, sales and distribution </strong>and<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"> inventory</strong> as the most vulnerable processes within an organisation. These areas being characterised by large number of stakeholders, multiple touch points, increasingly complex processes involving a significant proportion of organisations’ funds, it is not surprising to see this finding. Additionally, these processes involve a high degree of interaction with external stakeholders like vendors and customers where collusion can override certain internal controls.</div>
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Despite the widespread acknowledgement of the vulnerability of these processes, it is surprising to note that organisations have failed to implement basic controls. <a href="http://www.allianceonemumbai.com/services/due-diligence/" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Due diligence of vendors</strong> </a>before selection, involvement of representatives from multiple departments in the vendor selection process, and adequate segregation of duties and controls over access rights, are some of the controls which may help organisations in managing these risks better notes the survey.</div>
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This brings us to a very important fact – something that most companies fail to overlook until it’s too late. As Hollywood would say:</div>
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The Enemy Lies Within</h2>
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Employees within organisations is the single largest group well equipped to perpetrate fraud or assist an external team to do so. Like an impending implosion, the larger threat of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fraud</strong> lies within an organisation itself. However, most organisations tend to ignore or merely warn respective employees upon discovery of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">small value frauds</strong> (such as <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">faking personal bills</strong> or <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fudging of expense reports</strong>). In the <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">entertainment business</strong> for example, budget expenses for shooting and post production is where expense fudging often takes place. Therefore, when employees collude with external parties to commit fraud (such as <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">processing fake invoices</strong> submitted by vendors), organisations often tend to blame external parties first and not employees. This could be a possible reason for <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">KPMG’s survey respondents</strong> to have ranked vendors/agents as the most likely to <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">commit fraud against an organisation</strong>.</div>
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Among employees, senior management is considered the most susceptible to committing fraud by virtue of their ability to override existing controls. According to the <a href="http://www.acfe.com/uploadedFiles/ACFE_Website/Content/rttn/2012-report-to-nations.pdf" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">ACFE 2012 Global Fraud Study </strong>(download it here)</a>, the position held by the<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fraudster</strong> within an organisation is directly related to the <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">loss incurred on account of the fraud</strong> committed. <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Losses caused by senior management</strong> were approximately three times higher than the value of <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fraud loss</strong> due to managers; managers in turn caused losses approximately three times higher than junior employees.</div>
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In such circumstances it becomes imperative for organisations to provide a safe, robust channel for employees to report suspicions of malpractice. It is also important that an organisation’s Board comprise of individuals with utmost integrity who would engage themselves with the management. The Board needs to take a lead by setting the tone at the top and facilitate a zero tolerance approach towards fraud.</div>
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People are Essentially Good</h2>
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However it must be remembered that the vast majority of employees are honest and hardworking. Unfortunately, it may only take one dishonest employee to put your business in serious trouble or even destroy it. The methods used are only limited by a dishonest employee’s creativity. Do not assume you can “profile” an employee thief.</div>
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Many frauds are perpetrated by long-term employees that no one ever thought could be involved in fraud. One of my<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">favorite fraud stories</strong> is about a parking lot outside <a href="http://www.bristolzoo.org.uk/" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Britain’s Bristol Zoo</strong></a>. Allegedly, for 25 years, 7 days a week, approximately <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">$500</strong> was collected in parking fees every day. The attendant never took a day off and then one day he did not show up for work. When the zoo called the city about a replacement, they were told he was not a city employee and the zoo was responsible.</div>
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The zoo was shocked that the attendant was not a city employee because he certainly was not a zoo employee! This is also a commonplace occurrence in Mumbai’s cities where fraudsters in the name of public parking in collusion with the<a href="http://www.mcgm.gov.in/" style="-webkit-tap-highlight-color: rgb(255, 94, 153); border-bottom-color: rgb(13, 69, 139); border-bottom-style: dotted; border-bottom-width: 1px; color: #6f646c; text-decoration: none;" target="_blank"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">BMC</strong> </a>often extract parking fees to the tune of fifty rupees when the official fee for parking is only Rs. 5 or Rs. 10. It is another thing that even paying Rs. 50 is a helluva low amount for parking space in a space-crunched city like Mumbai where cars jostle with people and where footpaths are almost non-existent (I sincerely hope the BMC raises the car parking charges to Rs. 500 for an hour and trust me I wouldn’t mind paying it if it can discourage more people to walk more and drive less!)</div>
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Coming back to the <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Bristol Zoo case</strong>, at $500 a day, 7 days a week for 25 years, that equates to $4.6 million dollars earned by the fraudster! Although the veracity of this story has been challenged, the lesson to be learned rings true. Many times a fraud may be right under our nose and we may not see it! Be professionally skeptical, follow up on anomalies, and respect your instincts. I think we can broadly characterize most employee fraud into 10 categories. If you know what broad types of fraud schemes exist and have some basic knowledge of internal control, perhaps it can help you prevent employee fraud at your company.</div>
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<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">I will provide the broad categories here and then briefly explore each of them in additional detail in later articles.</strong></div>
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1. Poor Gate Security & Access & Exit Control<br />
2. Fake Documents<br />
3. Fake Vendors or Fake Employees<br />
4. Misapplying Customer Remittances<br />
5. Bribes, Bid-Rigging, and Kickbacks<br />
6. Purchasing Goods for Personal Use with Company Funds<br />
7. Data Manipulation<br />
8. Fraudulent Expense Reports<br />
9. Manipulate the Machines<br />
10. Salami Fraud</div>
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Know that many controls are easy to establish while others may be too elaborate or expensive for your business. For smaller businesses, itis sometimes difficult to properly segregate duties for good internal control. Think hard about this because itis a major reason smaller businesses are hit so hard by employee fraud. Segregation of duties between employees having physical control of your assets and record-keeping for those assets is absolutely critical.</div>
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Regardless of the amount of time and money you spend, you will never be able to completely <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">fraud-proof</strong> your company. Having said that, <strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">employee theft</strong> is a crime of opportunity. If you take small, simple steps, you can create a healthier internal control system and help discourage employee fraud at your company.</div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5795673310546735058.post-21175884067574308962015-01-28T23:33:00.002-08:002015-01-28T23:33:34.992-08:00Things to remember before you sign a rent agreement<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="border: 0px; margin: 0px; padding: 0px;">When </span>Kshitij Nadekarfinalised<span style="border: 0px; margin: 0px; padding: 0px;"> the house he wanted to rent in </span>Pune<span style="border: 0px; margin: 0px; padding: 0px;"> a year ago, he thought he would stay there for 2-3 years till he bought his own house. "The place was in a reasonably good condition and was very close to my office. So, I immediately signed the agreement with the landlord," says the 37-year-old management executive. </span>Nadekar<span style="border: 0px; margin: 0px; padding: 0px;"> had agreed to pay a monthly rent of </span>Rs<span style="border: 0px; margin: 0px; padding: 0px;"> 5,000 and furnished </span>Rs<span style="border: 0px; margin: 0px; padding: 0px;">50,000 as deposit money. However, six months later, the landlord wanted to increase the rent by </span>Rs<span style="border: 0px; margin: 0px; padding: 0px;"> 500 as the rentals in the area had gone up.</span></div>
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"I had two choices—pay the extra money or hunt for another house. My landlord told me that such an increase was the norm, and since nothing was mentioned in the lease agreement, I had little option but to pay the additional money," he adds. Nadekar could have avoided this hassle if he had scrutinised the rent agreement carefully and made changes that could have served his interests better. However, most tenants are not even aware of the points that should be included in the rent agreement. Here are the things you should check while sifting through the contract.</div>
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Is the lessor the actual owner? Before you sign the agreement, be sure that the person you are transacting with is the actual owner of the property. Often, NRIs or investors hand over their property to caretakers, who may lease it to a third party without the knowledge of the owner. So, you should verify the title documents, such as the sale deed and share certificate, besides obtaining a no-objection certificate (NOC) from the housing society where you want to lease the property.</div>
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These papers will help ascertain that you are dealing with the right person. Utility bills also come in handy as they specify the name of the owner. "If the apartment is mortgaged, the original sale deed will be in the custody of the bank. In such a case, an NOC should be obtained from the bank. This will mention the rightful owner's name," advises Om Ahuja, chief executive officer, residential services, Jones Lang LaSalle India.</div>
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Shveta Jain, executive director, residential services, Cushman & Wakefield, says that tenants should be wary of arbitrary eviction if they deal with an unsolicited party. "A case of trespassing can be filed against such a tenant if he refuses to vacate within a given time frame. The tenant cannot challenge eviction in this case," she adds.</div>
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<img class="gwt-Image" src="http://www.economictimes.indiatimes.com/photo/18877649.cms" style="border: 0px; display: block !important; margin: 0px; padding: 0px;" />Consider that the person who offers the property for rent, say, Mr. A, has slyly inserted a clause stating, 'The tenant has verified the title papers of the property and confirmed and satisfied that Mr. A is the rightful owner of the property'.</div>
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If you fail to check the agreement and sign it, you could be held liable for trespassing. "Of course, if such a clause is not mentioned, the tenant can hold the other party responsible for cheating and committing fraud," adds Ahuja.</div>
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What does the rent agreement contain? A rent agreement includes the terms and conditions under which the property is given on rent. It specifies the rent value and the tenure for which the agreement is made, as well as the security amount that needs to be deposited with the landlord by the tenant.</div>
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The agreement should also clearly mention the day before which the rent is expected to be paid. For instance, it could be the 5th or 10th of every month. If the tenant fails to pay the rent before the predetermined period, the penal charges that he would be liable to pay should also be defined in the agreement. The rent agreement could also mention the facilities, such as parking space or the usage of society's gym, included with the property.</div>
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There could also be additional monthly charges, such as the society maintenance charge and club fee. It's best if the additional charges for using such facilities are clearly spelt out, along with the person who is supposed to bear them. If either party fails to honour the terms and conditions of the agreement, it will become void and the aggrieved party could claim penal charges. The tenure of a rent agreement is usually 11 months, unless otherwise specified in the contract. If it's for more than a year, it's mandatory for the owner to get the document registered. The agreement should also specify the notice period and penalty for cancelling the agreement without completing the specified period. Typically, a two-month notice is served in case of high rental properties, while one month's notice is sufficient for low rental ones. What should you check? A tenant should verify whether the owner has included a rent escalation clause in the lease agreement, which could be used to increase the rent after a couple of months.</div>
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"The best way to safeguard yourself is to ensure that the agreement specifies the dates on which the rent escalation will be applicable and the percentage of increase," says Ahuja. You should also make sure that there is a clause on the sale of the house. If the owner decides to sell the house during the term of the rent agreement, you should know how many months you will get to search for another suitable accommodation. It's also important to check that all the appliances and the connections in the house are working properly before you sign the agreement.</div>
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Usually, minor repair work for installed electrical appliances is the responsibility of the tenant and he has to pay for them. However, if the property is damaged because of negligence on your part, the landlord can rightfully use the security money deposited with him for carrying out the necessary renovation. You also have the right to see the documents that prove all previous bills related to the house have been paid, especially the electricity, water and gas bills. While you are at it, make sure to peruse the papers that state the property tax has been paid by the landlord.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-84103294561425209182015-01-28T23:25:00.003-08:002015-01-28T23:25:48.224-08:00Property laws in India<div dir="ltr" style="text-align: left;" trbidi="on">
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Pro-tenant laws in India often inhibit rental market</h2>
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Even with the application of the Lease and License Agreement system, it is still difficult for a landlord to protect his property from unwanted overstaying tenants. Even if contracts are enforceable in courts, the actual enforcement takes years or decades to accomplish.</div>
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Rents: Can landlord and tenant freely agree rents in India?</h3>
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There are two types of tenancy agreements in India, Lease Agreements which are covered by rent control laws and Lease and License Agreement which are not.</div>
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A Lease (or Rental) Agreement is covered by restrictive rent control laws. The amount of rent that can be charged is based on a formula devised by the local executive, legislative or judicial government, as the case maybe. For Delhi, the maximum annual rent is 10% of the cost of construction and the market price of the land, but the cost of construction and the price of land are both based on historical values and not the current market valuation. So the older your property, the smaller the rent you can charge. Rents can only be increased by a fraction of the actual cost the landlord has incurred in improving the property.</div>
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The Lease Agreement transfers the right of ownership to the tenant for an indefinite period of time, which can be problematic because it encourages the tenant to claim the right to permanent occupation. In numerous cases, tenants have refused to relocate. When brought to court, these cases can take 10 to 20 years to resolve.</div>
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Most landlords prefer a Lease and License Agreement. This agreement only grants the tenant a license to occupy the property for a period of 11 months, with an option for periodic renewal. Because the rent control laws (which are largely in favor of tenants) only apply for lease agreements of at least 12 months, establishing an 11-month agreement serves as a pre-emptive measure.</div>
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To avoid complications, since landlord prefer these agreements, we will only discuss Leave and License agreements for the rest of the article.</div>
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Deposits</h3>
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<img alt="India vacation homes" class="border" src="http://www.globalpropertyguide.com/template/assets/img/India-green-colonial-windows.jpg" style="border: 1px solid rgb(153, 153, 153); float: right; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px 8px 10px; outline: 0px; padding: 5px; text-align: center; vertical-align: middle;" title="India vacation homes" />Prior to occupancy, tenants usually pay a security deposit of three months’ rent. This is usually refundable at the end of the contract, if no other liabilities have been left unsettled. Deposits are expected to be returned within a month after the end of the tenancy, or as stated in the contract. Until the deposit is returned, contracts commonly stipulate that interest must be charged on the deposit, computed at a daily rate. Advance payments for six months up and full payment for 11 months are popular.</div>
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What rights do landlords and tenants have in India, especially as to duration of contract, and eviction?</h3>
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Since Lease and License Agreements are designed to escape restrictive regulations, all terms are governed by agreement between landlord and tenant. Aside from the most basic condition that the tenancy is only for 11 months, everything must be stated in the contract. (For a copy of a sample l Residential Lease & License Agreement, click here.)</div>
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Typical contracts include a provision that, if either party wishes to prematurely terminate the contract, three month’s notice must be given.</div>
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The typical agreement also prohibits subleasing. To deter tenants from overstaying, experts recommend including a clause quadrupling the rent if the tenant does not leave when the contract ends.</div>
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How effective is the Indian legal system?</h3>
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Court proceedings of any type should be avoided at all times. Well-defined contracts will greatly help landlords to convince tenants that they (the landlords) are likely to win the case in court. As stated above, eviction cases can last up to 10 or even 20 years.</div>
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Legislation</h3>
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Local laws cover landlord and tenant agreements. Many local rent control laws such as the Maharashtra Rent Act 1999, Delhi Rent Act 1995, Tamil Nadu Buildings (Lease and Rent Control) Act 1960, strictly regulate rental agreements that are 12 months or longer in favor of tenants. If the monthly rent payable on a property exceeds Rs3,500 (US$76), the agreement is subject to the Transfer of Property Act (TPA), which assigns the landlord responsibilities including i) disclosure of information regarding material defects in the property and ii) uninterruptedoccupation of the property for the agreed period (subject to periodic visits by the landlord for inspection). In this case there are more grounds for evicting tenants, but the situation is still disadvantageous to the landlord.</div>
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<img alt="India taj mahal" class="border" src="http://www.globalpropertyguide.com/template/assets/img/India-taj-mahal.jpg" style="border: 1px solid rgb(153, 153, 153); float: right; line-height: 21px; margin: 0px 8px 10px; outline: 0px; padding: 5px; text-align: center; vertical-align: middle;" title="India taj mahal" /></div>
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Brief History: Recent changes in Indian landlord and tenant law</h3>
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The laws on landlord and tenants in India are archaic. The national government is encouraging local units to relax these laws to encourage investments in housing and construction. How fast will India will move to abolish its old system is very much questionable. The Maharashtra Rent Act 1999, for example, is slightly more pro landlord than the Bombay Rent Control Act 1947, but it does not still sufficiently protect landlords’ rights.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-68857317737854353172015-01-28T07:05:00.001-08:002015-01-28T07:05:42.749-08:00Know How Employee Frauds<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial; font-size: 13px; line-height: 20px;">vFacts Research Services http://vfacts.in</span><br />
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<span style="font-family: Arial; font-size: 13px; line-height: 20px;">Harshad Mehta – the name immediately brings back the memories of the most popular scam of India. The fraud cost 5.5 billion to the 10 major </span><span style="font-family: Arial; font-size: 13px; line-height: 20px;">commercial banks</span><span style="font-family: Arial; font-size: 13px; line-height: 20px;"> o</span><span style="font-family: Arial; font-size: 13px; line-height: 20px;">f India. An employee fraud is not a new concept or term for India. The annual survey by KPMG (a leading management consultant) has provided many interesting insights to the recent scenario concerning employee frauds. The sample of the survey covered more than 1000 public and private organisations in India. According to the survey, 47 percent of the frauds in the organisations have been done by either the employees or the senior executives with a decision making authority.</span><br />
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<strong style="font-family: Arial; font-size: 13px; line-height: 20px; margin: 0px; padding: 0px;">Types of frauds:</strong><br />
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<span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">The most common fraud reported by the organisations is the magnified or the inflated expense account by the employees. In these types of fraud, the expenses incurred by the employees are exaggerated and false invoices are submitted to the organisation for re-imbursement. Such frauds account for almost 50 per cent of the total losses incurred by the organisations because of employee frauds.</span><br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">Other types of frauds faced by the organisations are:</span></div>
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<li>Keeping a secret share of commissions from suppliers for self</li>
<li>Counterfeiting or faking the company cheques</li>
<li>Purchase of goods for personal use on company expense</li>
<li>Manipulating customer’s accounts</li>
<li>Using official information for personal benefits</li>
<li>Forging financial statements</li>
<li>Misappropriation of other company resources</li>
<li>Corporate espionage</li>
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<br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">Frauds related to manipulating and misusing the power to access the confidential information about the customers and the organisation and theft of data were also found to be more common than the rest.</span><br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" /><strong style="margin: 0px; padding: 0px;">Dimensions of frauds:</strong><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">Any or every employee/ executive fraud, has the following magnitude or dimensions:</span></div>
<span style="font-family: Arial; font-size: 13px; line-height: 20px;"><ul style="text-align: left;">
<li>The human dimension - There is always a human mind behind every executive fraud. It has been found to be of an internal employee or management in 90 per cent of the cases. Employees use their power and intelligence for corporate espionage.</li>
<li>The technology dimension - Technology has emerged as a very important dimension to the employee frauds. New technologies have given way to unethical practices like hacking etc. On one hand, where the information technology can be effectively used to check frauds, it can and is giving opportunities and assistance to the people in planning and executing frauds.</li>
<li>The legal dimension – The last dimension is the legal dimension that the legal framework and the institutional system regarding the frauds. It also includes organizational practices and policies regarding frauds.</li>
</ul>
</span><div style="font-family: Arial; font-size: 13px; line-height: 20px; padding: 0px;">
<br style="margin: 0px; padding: 0px;" /><strong style="margin: 0px; padding: 0px;">Detection of frauds</strong><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">According to the survey report of KPMG, a majority of the frauds were exposed by internal controls or check measures. Whistle-blowers or, many a times, anonymous notifications received also help to detect frauds. What follows the detection is the investigation by the management of the organisation , a review of the entire situation, followed by actions like firing the concerned employee, formal police investigation, and sometimes – letting the employee resign. </span><br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">The study by KPMG also sights the fact that most of the Indian organisations are unprepared to detect, handle or deal with fraud. Also, shocking was the fact that as much as 77 per cent of the respondents do not even conduct or has fraud diagnostic review systems in their organisations; nor do 84 per cent of the respondents have a written fraud policy. Assured of their security and internal control systems, 52 percent of the respondents (corporate heads) did not consider frauds as a threat or major problem.</span><br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" /><strong style="margin: 0px; padding: 0px;">Scenario in Indian sectors</strong><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">The percentage of risk from corporate espionage of the information communication and entertainment sectors, and financial sector of India (including all the financial service providers) is as high as 84 and 81 per cent respectively. But the sector which is facing the frequent brunt of the problem is the emerging BPO sector in India. Cases of frauds in BPO sector, employees using the customer’s confidential information, manipulation in accounts are getting common. The reasons being quoted for the increasing number of frauds are:</span></div>
<span style="font-family: Arial; font-size: 13px; line-height: 20px;"><ul style="text-align: left;">
<li>Weakening of society's values,</li>
<li>The growing economic pressures,</li>
<li>More sophisticated technologies to assist criminals</li>
<li>Urbane and intelligent criminals and</li>
<li>Inadequate punishment for those who are caught</li>
</ul>
</span><div style="font-family: Arial; font-size: 13px; line-height: 20px; padding: 0px;">
<br style="margin: 0px; padding: 0px;" /><strong style="margin: 0px; padding: 0px;">Solutions</strong><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">The first and the foremost solution to the problem are the reference checks and affirming the employee details of the employees before their confirmation in an organisation. To reduce the possibilities of frauds, it is advisable to design and incorporate the fraud diagnostic systems in the organisations creating internal detection systems. Also, regular periodic rotation of the staff can help reduce the possibilities of the employee frauds. There are also 185 certified fraud examiners (as on Jan’06) in India. There information is available on the website of Association of Certified Fraud Examiners. (</span><a href="http://www.acfe.com/" style="background-color: #fffffe; color: #842c23; font-family: arial; font-size: 12px; font-weight: 700; line-height: 18px; margin: 0px; padding: 0px 3px; text-align: justify; text-decoration: none;">www.acfe.com</a><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">)</span><br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" /><span style="background-color: #fffffe; font-family: arial; font-size: 12px; margin: 0px; padding: 0px;">It is also being planned to create a common database for an industry vertical by all organisations of all employees who have been identified and have been proved as fraudsters in the past. This would help the other companies to check for them before hiring them for their organisation.</span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-81959083327558520852015-01-28T07:00:00.003-08:002015-01-28T07:06:00.352-08:00Employee Fraud Conference - India might be losing $40 Billion to frauds<div dir="ltr" style="text-align: left;" trbidi="on">
<div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;">India's first dedicated conference on Employee frauds was held in Taj Westend on 14th March'2008. This conference gathered a huge response from across the sectors. Participants from the companies like TATA Motor Finace, TATA Steel, Fullerton India, Perot Systems, TCS, Infosys, Wipro, Syntel, ICICI Bank, ICICI Lombard, Centurion Bank, HSBC, Orchid Hotel, FirstSource, Lab Systems, Nokia, Saraansh Software gathered at this event. It was India's first focused event on Employee Frauds. Banaglore city would be remembered in the history as the hosts of this conference.</span></div>
<div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;">Pinkerton Consulting which were the exclusive sponsors of this conference made a impressive start in the industry. Pinkerton focus on the fraud investigations and background verification of the employees mostly in the IT Sector. Pinkerton not only sponsored the conference but under the leadership of Mr. Krishnendu Biswas they also acted as the Knowledge Partners for this conference and played a very important role by offering the knowledge they have gathered from various assignments on Employee frauds. Pinkerton could be a low cost substitute to the services offered by the multinational firms.</span></div>
<div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;">The conference focused on various issues and eminent speakers covered the interesting topics in this conference. Capt. Percy Jokhi - CSO of FirstSource discussed the fraud cases across Banking, BPO and Hospitality Industry. Selam Raveendhrun who pioneered the fraud control unit efforts in banking industry in India discussed the financial impacts of Frauds. He alerted the industries about India's economy crossing the mark of $ 1 trillion. Babu Jayendran who mentioned about the software to check the insider data leakage was quoted in <a href="http://www.hindustantimes.com/StoryPage/StoryPage.aspx?id=979c4167-66b1-486f-b0d4-4f71c0ebcd08&&Headline=Software+to+check+insider+info+leak" style="text-decoration: none;"><span style="color: #b40000;">Hindustan Times</span></a> and also in <a href="http://economictimes.indiatimes.com/News_by_Industry/Software_to_check_insider_info_leak_/articleshow/2868724.cms" style="text-decoration: none;"><span style="color: #b40000;">Economic Times</span></a>. Yash Maruli who shared some of the real life cases with the actually forged documents was also mentioned in this story of Hindustan Times. Vikram Tiwathia CIO of CII was quoted by <a href="http://www.businessstandard.com/common/news_article.php?leftnm=3&autono=316907" style="text-decoration: none;"><span style="color: #b40000;">Business standard</span></a> in an exclusive story.</span></div>
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<span style="font-family: Arial; font-size: x-small;">All the speaker presentations are available for download till 31st March'2008.</span></div>
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<span style="font-family: Arial; font-size: x-small;">Since it was a very unique kind of a conference media covered this event very enthusiastically. All the mainline newspapers talked about the Quantum of the frauds India is losing out.</span></div>
<ul>
<li><div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;"><a href="http://sify.com/finance/fullstory.php?id=14622893" style="text-decoration: none;"><span style="color: #b40000;">Sify </span></a><span style="color: #b40000;"> </span></span></div>
</li>
<li><div align="justify" style="line-height: 24px;">
<span style="height: 46px; left: 235px; position: absolute; top: 357px; width: 516px; z-index: 1;"><img src="http://www.indiaforensic.com/conference/employee_fraud_conference_files/image001.gif" height="46" v:shapes="_x0000_s1025" width="516" /></span><span style="font-family: Arial; font-size: x-small;"><a href="http://www.zeenews.com/articles.asp?aid=430380&sid=NAT" style="text-decoration: none;"><span style="color: #b40000;">Zee News</span></a><span style="color: #b40000;"> </span></span></div>
</li>
<li><div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;"><a href="http://www.thehindubusinessline.com/2008/03/15/stories/2008031552461000.htm" style="text-decoration: none;"><span style="color: #b40000;">Hindu Business Line</span></a><span style="color: #b40000;"> </span></span></div>
</li>
<li><div align="justify" style="line-height: 24px;">
<span style="font-family: Arial; font-size: x-small;"><a href="http://timesofindia.indiatimes.com/India_might_be_losing_USD_40_bn_to_employee_frauds_Survey/articleshow/2866465.cms" style="text-decoration: none;"><span style="color: #b40000;">Times of India</span></a></span></div>
</li>
<li><div align="justify" style="line-height: 24px;">
<span style="color: #b40000; font-family: Arial; font-size: x-small;">AOL</span></div>
</li>
<li><div align="justify" style="line-height: 24px;">
<span style="color: #b40000; font-family: Arial; font-size: x-small;"><span style="color: #b40000; text-decoration: none;"><a href="http://bangalorelive.in/blive_fullstory.php?id=14622969&cid=14465581" style="text-decoration: none;">Bangalore Live</a></span></span></div>
</li>
</ul>
<div style="text-align: justify;">
<span style="color: #b40000; font-family: Arial; font-size: x-small;"><span style="line-height: 24px;">Take our services <a href="http://vfacts.in/">http://vfacts.in</a></span></span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-82562195111365861772015-01-28T06:57:00.001-08:002015-01-28T06:57:33.608-08:00Bangalore on top chart among frauds in job applications<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px 3px 0px 0px;"><a href="http://vfacts.in/">http://vfacts.in</a></span><br />
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px 3px 0px 0px;"><br /></span>
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px 3px 0px 0px;">CHENNAI: Shyam worked in Hewlett Packard's (HP) Bangalore office for three years without any issues. And then, he quit. A few months later, Shankar joined the company and when he was in the canteen one day, some employees were surprised that he looked exactly like Shyam. Of course, Shankar denied any knowledge of Shyam. However, in the <a href="http://timesofindia.indiatimes.com/topic/HR-verification" style="color: #336797; margin: 0px; padding: 0px; text-decoration: none;">HR verification</a>, it turned out that Shankar was indeed Shyam. </span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">What transpired was that Shankar had failed to get his college degree. So, his girlfriend, who worked in the company, used her brother Shyam's degree to get Shankar a job. In the course of his two years at the company, Shankar passed and got his own degree. So, he re-applied, this time with his own degree, and got in. This is just one of those many 'fake identity' cases that unfold when background checks are conducted by companies to avoid such 'events'.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Among Indian cities, Bangalore has emerged at the top when it comes to candidates tampering with their employment or address details when applying for a job. After Bangalore, Mumbai, Chennai and Delhi have most discrepancies in applications.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br />
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">These findings were presented in a second quarter (April-June) report by First Advantage, a firm specialising in background checks. Almost 4-5 lakh checks were conducted by the organisation in this period for this report, of which 9.3% were fraudulent, that is, 9 out of every 100 applications had wrong details provided by candidates.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Wrong employment details provided by candidates were the biggest cause of discrepancy, accounting for 71.5% of all fraudulent cases. Discrepancies in address and education details were the next biggest reasons.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Bangalore accounted for 24% of all fraudulent cases relating to employment details. Mumbai, with 17%, and Chennai, with 7.8%, followed. Bangalore also had the maximum cases related to discrepancies in address details with 19% of all addressrelated discrepancies in the country. Mumbai with 12.7% and Delhi with 8.2% followed. Chennai was fourth at 4.9%. Candidates in the south zone tampered most with their employment and address details - accounting for almost 45% of fraudulent cases in these categories in the country - but were lowest when it came to providing wrong education details.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Almost 6 million checks are being done in India every year, said Navin Chugh, MD of First Advantage. "The cost of checking is between Rs 2,500 and Rs 5,000 per candidate, which is nothing compared to the potential damage a wrong employee can cause to the company," said Chugh. "While the IT industry is actively using these solutions and the discrepancy is likely to be 10% here, fast growing sectors like retail, health and pharma see discrepancies as high as 20%-25 %."</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">While companies are checking everything from bank statements, credit cards, social media and even drug testing in some cases, there is an entire industry at the other end of the spectrum. "There are around 3,000-5,000 companies which issue fake certificates and around 2,000 educational institutes grant fake degrees in the country," said Chugh. Employees in India have a right to ask for their background check reports from their employers but very few are aware of this right. This is especially important since not all companies doing background checks are all white. There are around 80-90 such companies in India, according to Chugh, and many of them have no compliance.</span><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><strong style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;">The fine print </strong><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><br style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;" /><span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Bangalore topped cases relating to job details The city also had the most cases relating to address discrepancies Candidates in the south tampered most with job, address details Candidates in the north topped cases relating to wrong education details Almost 6 million checks are being done in India every year.</span><br />
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;"><br /></span>
<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Source: </span><span style="color: #3f3f3f; font-family: georgia;"><span style="font-size: 15px; line-height: 20px;">http://timesofindia.indiatimes.com/business/india-business/Bangalore-tops-frauds-in-job-applications/articleshow/21640178.cms</span></span></div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-5795673310546735058.post-58284778168980611592014-11-11T05:16:00.003-08:002014-11-11T05:16:55.031-08:00Employee Background check - Profit your business<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="http://vfacts.in/">http://vfacts.in</a><br />
<br />
<div style="background-color: #f2f2f2; color: #424242; font-family: Arial; font-size: 12px; line-height: 20px; padding: 0px 0px 21px; width: 509px;">
Pre-employment background checks can be regarded as a first line of defense for you to protect your company, employees and assets. If you don't have a screening program and utilize a <a href="http://www.vfacts.in/" style="color: #ca5828; text-decoration: none;"><u>background check service</u></a>, you really should. Background checks can give you the information to make smart decisions. They help your company mitigate risk for candidate behaviors such as criminal activity, fraud, embezzlement and abuse. If accomplished the right way, pre-employment background checks assist in protecting your business from negligent hiring.</div>
<div style="background-color: #f2f2f2; color: #424242; font-family: Arial; font-size: 12px; line-height: 20px; padding: 0px 0px 21px; width: 509px;">
There are many background check companies that provide screening services to verify that potential employees or volunteers have the required integrity and skills for a position. It's important to investigate a candidate or employee thoroughly and evaluate the information you receive from a background check service provider. If a pre-employment background check should reveal that an employee is unfit for the job your organization can be held liable. Make sure the information you use to select or deny an individual candidate is based on fact and that it is relevant to the position being applied for.</div>
<div style="background-color: #f2f2f2; color: #424242; font-family: Arial; font-size: 12px; line-height: 20px; padding: 0px 0px 21px; width: 509px;">
Run a pre-employment background check and know who you're hiring. You don't want to find out after the fact a person is unfit after you spent the time hiring and training, for it could be a costly mistake. While the scope and method of pre-employment background checks can differ between businesses, the purpose remains the same, to hire the most qualified candidates.</div>
<div style="background-color: #f2f2f2; color: #424242; font-family: Arial; font-size: 12px; line-height: 20px; padding: 0px 0px 21px; width: 509px;">
The best method of defense is a background check, which consists of all the necessary screening components that are important and relate to the job responsibilities, performance, qualifications, or level of involvement within your company. It's important to note that employees have privacy rights that can be legally enforced when pre-employment background checks are not conducted within the laws that govern employment screening.</div>
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Your business wants to receive a return on your investment and mitigate potential legal and financial exposures. Conducting background checks on potential employees utilizing a background check service is a major part of the business process. Whether you're new to employment screening or already have a program in place to run pre-employment background checks on candidates, it's important you have a solid and consistent plan. Remember, you don't have unlimited rights to dig into an employee's background or personal life, so you need to know what you can and can't do when conducting a pre-employment background check.</div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5795673310546735058.post-52942593049343872912014-11-11T05:04:00.001-08:002014-11-11T05:04:07.027-08:00Advantages and disadvantages of a background check?<div dir="ltr" style="text-align: left;" trbidi="on">
<h1 class="title" style="background-color: white; color: #356d87; font-family: Gotham, Helvetica, Arial; font-size: 24px; line-height: 22px; margin: 0px 0px 20px; padding: 0px;">
Advantages and disadvantages of a background check?</h1>
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Pros for Employers</div>
<ul style="background-color: white; background-repeat: repeat-y; color: #31312d; font-family: Gotham, Helvetica, Arial; font-size: 14px; line-height: 19.6000003814697px; list-style-image: initial; list-style-position: outside; margin: 0px 0px 0.75em 30px; padding: 0px;">
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Background checks reveal lies in resumes or CV and fill in the 'blanks' at interviews. This helps the job selection process and ensures employment of only legitimate and honest candidates with no criminal history.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Carrying out thorough background checks protects an employer against possible, future lawsuits.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Globalization has made it easier for people to leave behind their former lives and identities, and carry on, afresh, in another town, state or even country, erasing any stains on their character as they go. Records and data are scattered and do not always link up. It is pretty, futile, relying on the information supplied by an applicant for a job. A criminal is very unlikely to reveal a true picture of their past lives.</li>
</ul>
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Cons for Employers</div>
<ul style="background-color: white; background-repeat: repeat-y; color: #31312d; font-family: Gotham, Helvetica, Arial; font-size: 14px; line-height: 19.6000003814697px; list-style-image: initial; list-style-position: outside; margin: 0px 0px 0.75em 30px; padding: 0px;">
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Background checks are expensive in terms of money and time and for this reason, many employers fail to carry out thorough checks.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Many companies have faced litigation for not performing pre-employment, background checks. Wal-Mart were once, involved in a negligence lawsuit. They have since revised their company policy and now perform stringent background checks on all potential employees.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Failure to deal with private information or data in a responsible manner can result in penalties for the employer. Fines for fraudulent activity and misplacing or losing personal data are heavy.</li>
</ul>
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Pros for Employees</div>
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<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Employers have a duty to provide a safe place of work for their employees. It is, therefore, the responsibility of an employer, to vet potential employees before given them a job.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">A company must perform background checks, whilst at the same time, adhering to codes of practice outlined by the regulations surrounding data protection.</li>
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Cons for Employees</div>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Some people feel that background checks are an invasion of personal liberty.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Background checks can reveal details, which you would rather not disclose to a potential employer.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Penalties can be incurred for falsification or disclosure of information presented when applying for a job.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">A person may miss promotion due to one mistake made during their youth, regardless of their present day integrity, work experience or qualifications.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">In today's environment of terrorism, security checks are becoming more important and therefore, more common. As employers tighten up their belts, it may soon be a thing of the past to be able to get a job without, first passing stringent security checks.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Employers may also find themselves being more forthcoming when it comes to providing references for former employees, in the fear that they may sued for not revealing the truth about a bad employee. References may become quite, detailed and even incriminating to the employee.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Following current trends, the need for total honesty will increase as the more thorough the background check, the more likely it is for lies and omissions, to show up.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">The personal information, accessible by a company or person doing an individual's background review, is very sensitive stuff and it could be very damning if it were to get into the wrong hands.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">As companies carry out more extensive background checks, the results are becoming more crucial to a person's livelihood.</li>
<li style="font-size: 12px; margin: 0px; padding: 0px; text-align: left;">Errors made by research companies, performing background checks, can be costly and damning to a potential employee.</li>
</ul>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5795673310546735058.post-86130825955140952962014-11-11T04:58:00.003-08:002014-11-11T04:58:45.954-08:00Benefits & Advantage: Employee Background Verification<div dir="ltr" style="text-align: left;" trbidi="on">
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Advantages of Employee Background Checks</h1>
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<span style="background-color: white; font-family: RobotoRegular, arial, sans-serif; font-size: 13px; line-height: 19px;">The primary advantage of a pre-employment background check is that it makes a hiring disaster less likely. A thorough check discourages fakers, who may drop out to avoid being embarrassed, and exposes dishonest applicants who choose to brazen it out. A background check can save your company from a negligent-hiring lawsuit by weeding out applicants with a history of violence or drug use. However, you must conduct a background check carefully, advises the Small Business Administration. Many aspects of employee privacy are protected by law, and violating an applicant's rights may open you up to legal action.</span></div>
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Identity</h2>
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A background check may reveal that the job seeker is applying for a position under a false identity. A background check may include a Social Security trace, verification of an applicant's I-9 Form -- or his eligibility to work in the United States -- and a search against global homeland security databases.</div>
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Education and Job Experience</h2>
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A background check also verifies that the applicant actually attended the schools listed on his resume and that he did in fact attain any degrees and licenses that he claims. It also verifies information about his past work experience -- that he worked there at all, how long he worked there, how satisfied his employers were with his performance, his job title, his salary and any career advancement.</div>
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Criminal and Legal History</h2>
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According to the SBA, laws regulating criminal background checks for potential employees vary from state to state. It recommends hiring a lawyer for guidance. You can't gather arrest record information that's over seven years old, even though it's a matter of public record. You can, however, search for criminal convictions. A background check can reveal information such as driving records involving a company vehicle, civil lawsuits less than seven years old, sex offender data for at-risk jobs, and county, state or federal convictions. Drug and alcohol tests can identify applicants with substance abuse or alcoholism problems.</div>
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Financial Data</h2>
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The Federal Fair Credit Reporting Act protects an employee's history of paid tax liens and any collections data that's over seven years old -- but only if you hire a consumer reporting agency to collect it. If you do the research in-house, these employee protections don't apply, according to the Bankrate.com website. The FCRA also requires that you obtain an employee's written consent before getting his credit report. A potential employee's bankruptcy history may be included in a background check, but note that federal law forbids discrimination against potential employees who have filed for bankruptcy.</div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5795673310546735058.post-89546258685848444922014-11-06T02:12:00.004-08:002014-11-06T02:13:23.785-08:00Guidelines For Tenant Verification - vFacts<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #262626; font-family: Arial; font-size: 12px; line-height: 19px; text-align: justify;"><a href="http://vfacts.in/">http://vfacts.in</a></span><br />
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<span style="background-color: white; color: #262626; font-family: Arial; font-size: 12px; line-height: 19px; text-align: justify;">Tenant verification ensures a landlord that their tenants are capable of paying rent on time and they are not criminals or troublesome. Tenant Verification plays important and vital role in finding the best tenants for your rental property. Successful Landlords know that tenant verification is the most important task when letting property. Tenant Verification can be either done by landlord himself or he can hire a professional service provider. Today renting a property is one of the important sources of income for landlords and tenant verification ensures that the aspiring tenants are not criminals or troublesome for which the landlord would be answerable for.</span><br />
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<span style="color: #ff6600;">Tenant Verification Service</span></h3>
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In case you cannot undertake tenant verification process your own, there are many different agencies and services that provide credit checks for landlords. It also offers background and criminal history reports. If you have a large rental complex or a large number of applicants, you may be able to save money by selecting a membership service that offers bulk discounts. Fees or service charges vary as some require only a membership fee, while others charge per report. Tenant verification companies collect pertinent information from credit reports, court records of evictions, bad check reports, state courts, utility companies etc for information about potential tenants.</div>
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Tenant Verification is not a difficult task but you need to check references, reason for moving and background before you renting out your property. If you’re a new landlord and are unsure of how to verify potential tenants, there are a few guidelines. Always ask for references, especially from the last place the person lived. Ensure that the aspiring tenants are not criminals or troublesome. It’s also a good idea to know in advance how the tenant will be paying the rent. If the potential tenant has poor credit or is not making enough to afford rent comfortably, you should consider finding a different tenant.</div>
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<span style="color: #993300;"><em><strong>Disclaimer: The article contains data collected from various sources and the use of same is at readers discretion.</strong></em></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-55378607064729284692014-11-06T02:02:00.002-08:002014-11-06T02:02:42.609-08:00Tips How to clear an Interview<div dir="ltr" style="text-align: left;" trbidi="on">
Finding a job in today’s economy is difficult. Simply searching for a
job opportunity is tough enough. Throw in the dreaded job interview and
difficult becomes downright stressful. However, it is possible to
alleviate some of the stress. Here are 18 tips to help you ace your job
interview.<br />
<br />
<b>Know Where You Are Going</b><br />
<br />
A few days before your interview, make sure to get directions to your
interview location online. If the directions are confusing or you aren’t
familiar with the location, take time to do a drive by so that on the
day of your interview you don’t get lost.<br />
<br />
<b>Call to Confirm</b><br />
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The day before your interview, call whoever scheduled your interview to
confirm the day and time. By making a quick “I just wanted to confirm
our 12pm interview time tomorrow” call, you will show that you are
organized and respect the interviewer’s time.<br />
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<b>Hygiene</b><br />
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Before your interview, make sure your hygiene is up to par. For men,
this means making sure your hair is in control and that you are
clean-shaven. For women, this means making sure to put on a little bit
of makeup and doing your hair.<br />
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<b>Review Your Resume</b><br />
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The night before your interview, go back over your resume to make sure
you have everything on it that best highlights your skills and
accomplishments as they relate to the position you are applying for.
Make sure you know your major talking points for the interview so that
you are adequately prepared.<br />
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<b>Research the Company</b><br />
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Take the time to research the company you are interviewing with. Know
what they do, their mission statement, any major events in the company’s
history, and any other relevant information. By showing that you know
about the company, you will convey an interest that the interviewer will
appreciate.<br />
<br />
<b>Research Your Interviewers</b><br />
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When researching the company, also be sure to do a little research on
anyone who will be interviewing you. By knowing their role in the
company and any major professional accomplishments they have, you will
demonstrate that you care not just about the company but about the
employees and that you will be a great coworker.<br />
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<b>Dress the Part</b><br />
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If you want the part, you have to look the part. Figure out the kind of
culture the company has, then dress a level up. By doing this, you will
demonstrate a level of professionalism that will be looked upon
favorably.<br />
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<b>Drive Safely</b><br />
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Your interview starts as soon as you enter the parking lot and doesn’t
end until you leave the parking lot. Be sure to be a good driver when
driving. Reckless driving will label you as an irresponsible liability
the company doesn’t need.<br />
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<b>Be Early</b><br />
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Whatever you do, do not be late. Show up early to demonstrate that you
are responsible and appreciative of the interviewer’s time. Even showing
up on time doesn’t cut it as that will simply show you will do the bare
minimum to get by. Employers want employees who will go above and
beyond.<br />
<br />
<b>Turn Your Cell Phone Off</b><br />
<br />
One major interview faux pas is to have your phone ring during an
interview. Make sure your cell phone is off or on silent during an
interview. Or better yet, just leave it in the car.<br />
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<b>Bring Multiple Copies of Your Resume<br />
</b><br />
If you were giving a presentation during a company meeting that required
a handout you would make sure you had made enough copies for everyone
in the meeting, right? Well, chances are you will have multiple people
interviewing you, so be prepared and respectful of each interviewer by
bringing a copy of your resume for each of them.<br />
<br />
<b>Watch Your Nonverbals<br />
</b><br />
Be sure to make good eye contact, give each interview a solid handshake,
and not fiddle with a pen. Your nonverbal cues are very important in an
interview, so do your best to not just talk confidently, but act
confident too.<br />
<br />
<b>Have an Elevator Speech Prepared</b><br />
<br />
Most of the time, the first question you will be asked is, “tell me
about yourself.” Make sure you are ready for this question by having a
brief, 30-second elevator speech ready to go that highlights your job
history and accomplishments as well as what you are looking for in your
career. Memorize the speech by heart and learn how to deliver your pitch
with charm and confidence.<br />
<br />
<b>Be Prepared for Certain Questions</b><br />
<br />
Inevitably you will be asked questions along the lines of “what is your
greatest weakness,” “why do you want to work here,” and “how does your
current skill set fit with this position.” Be sure you know how to
answer these questions and any other relevant questions before your
interview so you don’t get caught off guard.<br />
<br />
<b>Stay Positive</b><br />
<br />
We have all had jobs we hated, worked on projects that were difficult,
and had bosses we butted heads with. You will probably be asked about
difficult situations in previous positions, so be sure to stay positive
about those situations by highlighting your success in that situation as
well as anything beneficial you learned from it.<br />
<br />
<b>Have Questions</b><br />
<br />
At the end of your interview, you will be asked if you have any
questions for the interviewer. Have questions prepared to ask each
interviewer. For example, you could ask, “What is your favorite part of
your job?” By coming prepared with questions for your interviewers, it
shows that you are prepared and have interest in the company.<br />
<br />
<b>Take Notes</b><br />
<br />
During your interview, be sure you have a notepad with you so you can
take notes when the interviewers answer your questions or give you more
information about the job and company. Just make sure you continue to
make eye contact with the interviewer and not simply writing frantically
on your notepad.<br />
<br />
<b>Follow Up</b><br />
<br />
At the end of the interview, get business cards from everyone who
interviewed you and send them a thank you note or email within 24 hours.
Doing this demonstrates that you are appreciative of their time. </div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-57464935583287012162014-11-05T04:26:00.001-08:002014-11-05T04:26:45.896-08:00Why is knowing your Employee Important?<div dir="ltr" style="text-align: left;" trbidi="on">
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Employee Background Screening</h3>
<br br="" p="" style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Ensuring a Better Quality of Employee</b><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Employers are at great risk from their greatest assets – employees! A disturbingly large number of job applicants resort to lying or misrepresenting information on their résumés. When the job market is tight, the rate of fraud increases manifold. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">How Background Screening Scores</b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"> </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Background screening is vital for employers to protect their businesses from legal hassles arising out of negligent hiring. It minimizes the cost of replacement hiring, which can be as much as five times the salary of the post to be filled. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Background screening gives businesses a better quality of employee; the unprincipled ones stay away. Applicants with a history of undesirable conduct or drug abuse can be quickly identified and weeded out, creating a safe and productive workplace for employees. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;"><u style="margin: 0px; padding: 0px;">Our Checks and verification services: </u></b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Education/Degree Verification </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts verifies candidate's education qualifications and degree details. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Employment Record Verification </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts checks candidate's previous employment details. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Professional Reference Checks </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Verification checks are made regarding candidate's personal integrity and professional references </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Address Verification </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Physical visits are made to confirm current, permanent and previous residential addresses. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Criminal Record Search </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts verifies for criminal records of candidates at local police stations. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Drug Abuse Testing </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts delivers a full range of effective drug screening solutions using renowned pathology labs. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Database Checks </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts checks Indian and global databases to verify if candidates are connected to organized crime or present legal, reputation and compliance risks. </span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Passport Verification </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;" /><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">vFacts carries out passport verification to confirm passport holder's identity.</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-32507554600964772682014-11-05T04:22:00.001-08:002014-11-05T04:23:40.771-08:00Why Tenant verification is Necessary?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO42WYyOnw-t5Ie79ZcBCy9i8_nIVg9qhFdZo-FPuGxQlaz2oIbWX7FldwY-fPSvK1coYlkTr_4WzousBJ8FeVt2t-HKEy-8Gt-6lREK5lIvuKJCZ3k4OTG2ilMsjCpXAW4yo-C4Q-srFT/s1600/Tenant+Verification.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO42WYyOnw-t5Ie79ZcBCy9i8_nIVg9qhFdZo-FPuGxQlaz2oIbWX7FldwY-fPSvK1coYlkTr_4WzousBJ8FeVt2t-HKEy-8Gt-6lREK5lIvuKJCZ3k4OTG2ilMsjCpXAW4yo-C4Q-srFT/s1600/Tenant+Verification.jpg" height="96" width="400" /></a></div>
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<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Tenant verification ensures a landlord that their tenants are capable of paying rent on time and they are not criminals or troublesome. Tenant Verification plays important and vital role in finding the best tenants for your rental property. Successful Landlords know that tenant verification is the most important task when letting property. Tenant Verification can be either done by landlord himself or he can hire a professional service provider. Today renting a property is one of the important sources of income for landlords and tenant verification ensures that the aspiring tenants are not criminals or troublesome for which the landlord would be answerable for. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Tips for Tenant Verification</b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"> </span><br />
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Tenant verification plays vital role in finding the best tenants for your rental property. You can eliminate about 90 percent of your tenant problems by Tenant Verification. Following tips help you to know important things you need to consider in tenant verification process. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Credit check: </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br />
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Check credit references to determine each applicant’s credit history. If you do not have anybody to conduct credit screening for your tenant, or for some reasons it is impossible to do it yourself, you can opt for private agency. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Police verification: </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br />
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Nowadays it is mandatory for landlords to get police verification. You need to duly fill police verification form with particulars of tenant whom you let out your premises. Police uses information provided by you to verify background of your tenant and this helps you to ensure that the aspiring tenants are not criminals or troublesome. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Previous landlord: </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br />
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">You can ask for character references or contact details of previous landlord to know more about your prospective tenants. This helps you to ensure that your prospective tenants will keep your premises and property clean. They don’t undertake any destructive actions in your property which may end in damaging your property. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">Address Verification </b><span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"></span><br />
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;">Physical visits are made to confirm current, permanent and previous residential addresses. </span><br />
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<b style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px;">We offer all above services to make you safer. Just make a call to avail our services.</b></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5795673310546735058.post-14367619684598890242014-11-04T22:41:00.000-08:002014-11-05T04:19:29.661-08:00<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; font-family: Tahoma; font-size: 11px; line-height: 17px;"><a href="http://vfacts.in/" target="_blank">vFacts Research Services</a> is India's leading credentials background screening and risk management consultancy. Our experienced personnel, backed up by the latest technology and tools enable our clients to reduce employee, vendor and business partner related risks.</span><br />
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Employment screening services and employment background checks are vital to maintaining workforce integrity and safety. vFacts Research Services (VRS) proprietary employment background screening practices reduce the risk associated with industry-wide hiring decisions. With the implementation of our employment screening services, we give you the insight you need to uncover the unknown facts decisively.<br />
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VRS offers employee background checks to organizations of all shapes and sizes. Whether your company is looking for entry level employment background screening or a more comprehensive professional level program, our team will customize a solution that is appropriate for your hiring policy, budget, and industry.</div>
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Employment Screening Services & Employee Background Checks</h3>
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No matter what the size of your business is, employee screening is very important. The company in this case will get to know the applicants more and see if they fit the job description they are applying for. This process usually begins with the company's HR personnel assigned going over the applicant's resume to see if the information contained within is correct. It will then move on to validating the applicant's information to see if there are any contradictions and the HR personnel will further determine if the applicant can be a valuable addition to their workforce.<br />
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The process of employment ranges from medical, background checks and psychometric testing. Some open positions in the company allow applicants to practice answering the required tests.Since it is the only trusted way for the human resource manager or personnel to determine and assess the applicant vying for the position, screening is a most important of any job hiring process.<br />
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Getting to know the probable people who will be part of your workforce is quite logically necessary. Allowing the company to select those candidates who perform well in the tests is only made possible by the screening process. Everytime companies hire new employees, they are expecting to land the most competent of them out there who would complement the revenues or increase the income of the company. The employment screening process, aside from selecting skillful workers, can detect if the candidate is both physically and mentally fit to be part of their workforce.<br />
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A good and reliable source, like third party investigative bodies, of information is needed to verify the validity of the applicant's presented data and background checks or screening simply wouldn't be effective if this source was limited in any way. In order for the HRD of the company to gain access to certain restricted information like school records or previous job employment records, they sometimes have to ask the applicant to sign an authorization document. This only happens when there is a non-disclosure contract between the applicant and his previous employer exists and the prospective employer needs to know more about the applicant. As for school records, the institution may have more requirements aside from the authorization document that the prospective employer has to comply with before it is granted access.</div>
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Vision & Mission</h3>
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It is our vision to help build a secure and risk-free business environment for the clients we serve - organizations, individuals or even government establishments.<br />
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To affirm our vision of helping build a secure environment, our mission is to deliver highest standards in Screening, Risk Advisory and related services. We will continue to build on our leadership in Employee Screening Services and will be one of the Top companies in this business in Asia-Pacific Region. We shall continue to innovate our service delivery through continual improvement in utilization of our resources - people, technology and knowledge.</div>
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Unknownnoreply@blogger.com0