PT. SINAR MAS MULTIARTHA Tbk, the finance arm of Sinar Mas Group, is one of the leading financial services providers in Indonesia. We provide an integrated and comprehensive range of financial services, which includes Banking, Insurance, Financing, Capital Markets, Asset Management, Share Administration, Security, and Information Technology.

Bank Sinarmas, a fast growing private bank in Indonesia, now is seeking for young talented persons to fill in the winning team :

1. Compliance Dept. Head (code : CDH)
2. Financial Advisor (code : FA)
3. IT Staff (code : IT)
4. Operational Trainee (code : OPR-S)
5. Management Trainee (code: MT)

1. Compliance Dept. Head (code : CDH)

Requirements:

* Having experienced in the related area min 3 years, S1 Degree from all background
* Good appearance with good interpersonal skills
* Fluent in English both oral and written, ability to speak Mandarin is an advantage
* Able to work in Windows and Microsoft Office environment
* Excellent communication skill
* Opened for fresh graduate

2. Financial Advisor (code : FA)

Requirements:

* Hold min D3 from all background
* Have experience in funding marketing in banking/ financial industry are preferable
* Willing to work with target and having a wide customer base in the placement area
* Have own vehicle are preferable
* Good appearance with good interpersonal skills
* Fluent in English both oral and written, ability to speak Mandarin is an advantage
* Able to work in Windows and Microsoft Office environment
* Excellent communication skill
* Opened for fresh graduate
* Willing to be placed in every cities in Indonesia depend on your homebased

3. IT Staff (code : IT)

Requirements:

* Having capability in the related field such as IT Qulity Assurance, Data Center Operator, Management Information System, Switching Integration Engineer, ATM Card Management Engineer, Java Developer IT Administration
* Good appearance with good interpersonal skills
* Fluent in English both oral and written, ability to speak Mandarin is an advantage
* Able to work in Windows and Microsoft Office environment
* Excellent communication skill
* Opened for fresh graduate

4. Operational Trainee (code : OPR-S)

Requirements:

* Hold min D3, Accounting are preferable with min GPA 2,75
* The candidates will be trained as Back Office or Front Liner, depend on their capability
* Good appearance with good interpersonal skills
* Fluent in English both oral and written, ability to speak Mandarin is an advantage
* Able to work in Windows and Microsoft Office environment
* Excellent communication skill
* Opened for fresh graduate
* Willing to be placed in every cities in Indonesia depend on your homebased

5. Management Trainee (Code: MT)

Requirements:

* The candidates will be trained as Manager in our Branches through our Officer Development Program (ODP)
* Hold S1 Degree from all background with min GPA 3,00
* Good appearance with good interpersonal skills
* Fluent in English both oral and written, ability to speak Mandarin is an advantage
* Able to work in Windows and Microsoft Office environment
* Excellent communication skill
* Opened for fresh graduate
* Willing to be placed in all over Indonesia

Apply with your recent passport-sized photograph, only the completed application are selected, not more than 2 weeks after this advertisement to : hrd@banksinarmas.com

Please write on the subject of the email.
Name of applicant_Job Code_Placement area_Cellular Number.

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The BBC's website and al Jazeera both had coverage this week about the water situation here in the West Bank. The village I live in is connected to the West Bank water system, and the water has been off several days each week most of the summer. We have storage tanks on the roof of the house so we don't immediately run out of water when the main line runs out, but many times the storage tanks ran dry too. Alhamdulillah we live in a house with a cistern to collect the rain water that fell on the roof during the winter, so we use that when the water is off. Last week the water went off on Tuesday, and our storage tank on the roof was empty by Wednesday night. I have dozens of bottles of drinking water stored around the house, and we use the garden hose from the cistern to bring water to wash and flush toilets. That week the water stayed off until Saturday. This week the water went off on Tuesday as usual, but I did dishes and made everyone bathe with the well water so that the storage tank on the roof didn't run out. And I always use the hose to fill up my washing machine. I am so glad I have an American style top loading machine! My friend down the street lives in an apartment building without a cistern, and it is much harder for her. When her water runs out, it is really hard, since she has 5 kids. Can you imagine not being able to flush the toilets regularly? But I know that we still have it better than all those villages that aren't even connected to a water supply, like those in the article and video below. On the other hand, in one of our neighboring villages, they are connected to the same system as the neighboring Israeli settlement, and their water is on all the time.

I used to mostly use the cistern's water for my garden and cleaning outside, but this year I have let a lot of the garden die. Last year the cistern ran dry before the summer was over, and I can't afford to have that happen again. Much as I love flowers, flushing the toilets is a higher priority.

Americano new top 10 >>> Read more...

Some in the national media seem to have written off Stoke's chances of survival before a ball has been kicked - but I wouldn't be surprised if next season's bottom three reads ... Fulham, West Brom and Hull.

I'm not Mystic Meg, so don't ask me the precise order of the relegation spots.
But I can see Stoke finishing outside the bottom three. Let's face it, even fourth-from-bottom should be considered a great success for Tony Pulis in City's first season back in the Premier League.
There's no chance of City 'doing a Derby', a possibility which has been repeatedly raised from the moment the referee blew the final whistle on their promotion clincher against Leicester City.
Derby had no fighting spirit, organisation or fitness - damning weaknesses which I just can't see surfacing at Stoke, no matter how tough life gets.
In fact, I can't see any of the promoted sides performing as badly as the Rams, who were just awful.
They didn't seem to have anything going for them, whereas this year's newcomers all have some positives.
Stoke will be tough and resilient, while Hull can take some confidence from the excellent form they showed at the end of last season.
West Brom will take heart in being touted as the best footballing side outside the Premier League, although regular readers of this column will know I'm not particularly impressed by those claims. They will do better than Derby, but I don't see why they should expect to finish higher than Stoke.
Hull did terrifically well at the end of last season... but that momentum will only carry them so far.
I would expect striker Fraizer Campbell to join them from Manchester United after his successful loan at the KC Stadium, but he and Dean Windass will find goals far harder to come by in the top flight.
Stoke will find life difficult, of course, but finishing above their fellow two promoted sides is definitely a realistic target.
The established Premier League sides will be harder to overhaul because even the expected strugglers, such as Wigan or Bolton, have valuable experience of successful survival battles.
However, I can see Fulham finally sinking having got out of trouble by the skin of their teeth last season.
Roy Hodgson pulled off a remarkable escape act, but I don't see much in that squad to prevent him having sleepless nights next year.
David Healy was superb for Northern Ireland, but couldn't score for Fulham. Meanwhile, their fellow striker and captain, Brian McBride, has gone back to the United States and will be difficult to replace.
I also feel Stoke's supporters will give them the edge over Fulham.
I saw Fulham last year when they were in trouble and I didn't get the sense their supporters were really behind them.
The ground was full, but the crowd were neither giving the team much vocal support or trying to influence the referee.
I'm sure Stoke supporters realise how difficult life will be for the team next season and, as a result, will be right behind the side looking for every decision and bounce of the ball in their favour.
The fans can only do so much, so Tony Pulis will be under no illusions he needs a better squad, but also one that is stronger - both physically and mentally than last year.
The team will have come off the pitch absolutely shattered after plenty of matches last season. But that will be the case after every single game.
The players will also have to be mentally strong enough to dig in and grind out a result even on the back of a few defeats.
The difference is hard to adjust to, which is why the sides in the Premier last year have such an advantage over the new boys.
Wigan, Bolton and Sunderland will probably be among the strugglers again this year, but will feel last season's hard-earned survival experience might just help them stay out of the bottom three.
I see Roy Keane has asked his board for around 50m to strengthen again this summer, a sum which shows the huge gap the promoted sides face before they can even contemplate being comfortable in the top flight.

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PANIN BANK One of the biggest bank in Indonesia, and having experience to excelent grow up to become a leader in retail finance in Indonesia, we invite you that have wide relation, active, dynamic, have a good motivation and like challenge to join with our team with positions :
1. CUSTOMER SERVICE (CS)
2. TELLER (TLR)
3. SEKRETARIS (SKR)
4. BACK OFFICE STAFF (BO)
5. LOAN ADMINISTRATION STAFF (LOAN)
6.

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FREE  OBJECTIVE QUESTIONS ON  :http://indiaknow.blogspot.com
 
 1.In a certain code language, 3a, 2b, 7c means Truth is Eternal 7c, 9a, 8b, 3a means Enmity is not Eternal and 6a, 4d, 2b, 8b means Truth does not perish. Which of the following means in that language?
(a) 3a
(b) 7c
(c) 8b
(d) 9a
Ans (d)     
 2.  In a certain code language, po ki top ma means Usha is playing cards Kop ja ki ma means Asha is playing tennis ki top sop ho means they are playing football and po sur kop means cards and tennis. Which word in that language means ?
(a) ja 
(b) ma
(c) kop
(d) top 
Ans (a)   
 3. A girl was born on September 6, 1970, which happened to be a Sunday. Her birthday has again fall on Sunday in
(a) 1975
(b) 1976
(c) 1977
(d) 1981
 Ans (d)     
4. A long rope has to be cut to make 23 small pieces. If it is double folded to start with how many times does it need to be cut?
(a) 9
(b) 23
(c) 11
(d) 12 
Ans (c)   
  5. There are 19 hockey players in a club. On a particular day 14 were wearing the hockey shirts prescribed, while 11 were wearing the prescribed hockey pants. None of them was without either hockey pants or hockey shirts. How many were in complete hockey uniform?
(a) 8
(b) 6
(c) 9
(d) 7 
Ans (b)       
6. In a class room three fourth of the boys are above 160 cm in height and they are 18 in number. Also out of the total strength, the boys form only two third and the rest are girls. The total number of girls in the class is
(a) 18
(b) 24
(c) 12
(d) 30 
Ans (c)   
  7. is east of and west of . is South-West of , is South-East of . which is farthest West?
(a) C
(b) A
(c) X
(d) B 
Ans (c)   
  8. A girl earns twice as much in December as in each of the other months. What part of her entire years earning does she earn in December?
(a) 2/11
(b) 2/13
(c) 3/14
(d) 1/6 
Ans (b)    
 9. One watch is 1 minute slow at 1 pm on Tuesday and 2 minutes fast at 1 pm on Thursday. When did it show the correct time?
(a) 1.00 am on Wednesday
(b) 5.00 am on Wednesday
(c) 1.00 pm on Wednesday
(d) 5.00 pm on Wednesday 
Ans (b)   
10. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : Even with the increase in the number of sugar factories in India. We still continue to import sugar.
Assumptions :
I. The consumption of sugar per capita has increased in India.
II. Many of the factories are not in a position to produce sugar to their fullest capacity.
Ans (c)     
11. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : I cannot contact you on phone from Karshik.
Assumption :
I. Telephone facility is not available at Karshik.
II. Nowadays it is difficult to contact on phone.
Ans (b)   
 12. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : The government has decided to reduce the custom duty on computer peripherals.
Assumptions :
I. The domestic market price of computer peripherals may go up in near future.
II. the domestic manufacturers may oppose the decision.
Ans (A)     
13. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : In Bombay, railway trains are indispensable for people in the suburbs to reach their places of work on time.
Assumptions :
I. Railway trains are the only mode of transport available in the suburbs of Bombay.
II. Only railway trains run punctually.
(a)  
(b) 
(c)  
(d) 
Ans (A)     
14. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : The private bus services in the city has virtually collapsed because of the ongoing strike of its employees.
Assumptions :
I. Going on strikes has become the right of every employee.
II. People no more require the services of private bus operators.
15. Given a statement followed by two assumptions numbered I and II. You have to consider the statement and the following assumptions and decide which of the assumptions is implicit in the statement.
Mark (a) if only assumption I is implicit
Mark (b) if only assumption II is implicit
Mark (c) if either I or II is implicit
Mark (d) if neither I or II is implicit
Statement : Detergents should be used. to clean clothes.
Assumptions :
I. Detergents from more lather.
II. Detergents help to dislodge grease and dirt.
Ans (d)   
16. Which letter when placed at the sign of interrogation shall complete the matrix? A D H
F I M
? N R
(a) P
(b) N
(c) K
(d) O
Ans (c) 
17. Which letter when placed at the sign of interrogation shall complete the matrix? A M B N
R C S D
E U F ?
(a) T
(a) F
(c) V
(d) R
Ans (c)  
18. Which number when placed at the sign of interrogation shall complete the matrix? 1 4 9 ?
1 2 3 4
2 4 6 ?
(a) 16 and 8
(b) 36 and 4
(c) 25 and 5
(d) 49 and 7
Ans (a)  
 19. Which number when placed at the sign of interrogation shall complete the matrix? 6 6 8
5 7 5
4 3 ?
120 126 320
(a) 12
(b) 16
(c) 8
(d) 4
Ans (c)  
 20. In  the following questions, there are given two statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from two given statements, disregarding commonly known facts. Read both the statements and give answer as:
(a) If only conclusion I follows
(b) If only conclusion II follows
(c) If either I or II follows
(d) If neither I nor II follows
Statements:
I. Many scooters are trucks.
II. All trucks are trains
Conclusions:
I. Some scooters are trains. II. No truck is a scooter.
Ans (a)  
21. In  the following questions, there are given two statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from two given statements, disregarding commonly known facts. Read both the statements and give answer as:(a) If only conclusion I follows.
(b) If only conclusion II follows.
(c) If either I or II follows.
(d) If neither I nor II follows.
Statements:
I. All cars are cats.
II. All fans are cats.
Conclusions:
I. All cars are fans.
II. Some fans are cars. 
Ans (d)     
22. In  the following questions, there are given two statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from two given statements, disregarding commonly known facts. Read both the statements and give answer as:
(a) If only conclusion I follows.
(b) If only conclusion II follows.
(c) If either I or II follows.
(d) If neither I nor II follows.
Statements:
I. All pilots are experts.
 II. All authors are pilots.
Conclusions:
I. All authors are experts.
II. No expert in an author.
Ans (a)  
23. In  the following questions, there are given two statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from two given statements, disregarding commonly known facts. Read both the statements and give answer as:
(a) If only conclusion I follows.
(b) If only conclusion II follows.
(c) If either I or II follows.
(d) If neither I nor II follows.
Statements:
I. Some doctors are institutes.
II. Some crooks are institutes.
Conclusions:
I. All institutes are doctors.
II. Some institutes are crooks.
Ans (b)  
24. The letter in the centre is to be used more than once while all other letters are to be used only once to form a meaningful word. The first letter of this meaningful word is the answer. If no such meaningful word can be made, then give as the answer, and if more than one such meaningful words can be made, then give as the answer.
(a) L
(b) E
(c) X
(d) M  
Ans (c)  
25.  If the positions of the fifth and the twelfth letters of the word GLORIFICATIONS are interchanged and likewise the positions of the fourth and fourteenth letters, the third and tenth letters, the second and eleventh letters, the first and thirteenth letters, are interchanged, then which of the following will be the twelfth letter from the right end?
(a) T
(b) O
(C) R
(d) 1
Ans (a)
 
FREE  OBJECTIVE QUESTIONS ON  :http://indiaknow.blogspot.

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Wachovia Corp. (WB) will slash its dividend and raise $7 billion in a share sale after reporting a surprising first-quarter loss on Monday of $393 million. The first-quarter loss for the Charlotte-based bank works out to 20 cents a share. That compared with profit of $2.3 billion, or $1.20 a share, a year earlier. Excluding merger-related and restructuring charges, the bank lost $270 million, or 14 cents a share. Revenue fell 4.5 percent to $7.89 billion from $8.27 billion last year. The results, tainted by exposure to credit markets, were worse than analysts anticipated. Analysts surveyed by Thomson Financial had expected Wachovia to earn 40 cents per share on revenue of $7.98 billion. The earnings estimates typically exclude one-time items. The nation's No. 4 bank said it will cut its dividend by 41 percent to 37.5 cents per share from 64 cents per share.

Before you think of going bottom fishing on WB shares note the low FusionIQ master score of 27, which suggests shares are likely to be out of favor for a while, if not continue to move lower.

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