General Tips To Overcome An Interview

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So what if you are not a mountaineer. Or a keen hiker. You still cannot treat your interview like a careless morning trot along a jogger's path. Your jaw-jaw at the interview table is nothing less than a cautious climb up a mountain trail--which begins around your early childhood and meanders through the years at the academia before reaching a new summit in your career. And as you retrace your steps down memory lane make sure that you post flags at important landmarks of your life and career so that you can pop them before the interview panel scoops them out of you. You don't want to be at the receiving end do you! "ace the panel but don't fall of the chair in a headlong rush-and-skid attempt to tell your story. #ake one step at a time.$on't go into unnecessary detail about how you aced your business math midterm in your sophomore year at accounting school. %ere are a few preparation tips from the #eam of "reshersworld.com that books on interviews sometimes overlook. &emember as a fresher you do not have anything to loose but to gain. TYPICAL QUESTIONS THAT AN INTERVIEWER WOULD ASK 1.Tell me about you !el" #he most often asked 'uestion in interviews. You need to have a short statement prepared in your mind. (e careful that it does not sound rehearsed. )imit it to work*Study-related items unless instructed otherwise. #alk about things you have done well at your college and how you wanted to perform in the first job. #. W$y S$oul% We Em&loy You' "or this 'uestion your answer should list out strengths that you feel are relevant to the job. +iven below are some answers which could help you with your answers. %owever structure them to suit your re'uirements. , have good co-ordination skills +ood analytical skills , can persuade people to see my point of view and get the work done -y greatest asset is my ability to motivate people .ven during emergencies , do not loose my cool , have good entrepreneurial skills , have consistently met my deadlines and targets /an say no to people when re'uired to do so0 , am very co-operative with my sub-ordinates and would like to see them grow , am a good team player , am very fle1ible and have the ability to work hard under difficult work conditions , have the e1perience and knowledge relevant to this job 2%ere give appropriate details and e1amples3

(. Do You Ha)e O""e ! * om Ot$e Com&a+,e! ' #his is of course a difficult 'uestion to answer. Obviously you must have applied to other companies if you are looking for a job or would have some offers from other companies already. #herefore do not lie that you have not. %owever you are on thin ice here0 #he interviewer could be checking your honesty. On the other hand he*she may also be trying to find out how focused you are - are you applying randomly or is there a well-planned strategy! 4hatever your answer it should match your career goals. -. W$at Sala y A e You E.&e/t,+0' #ry not to get into salary details early in the interview. ,f pressed you could say that it all depends on the job and would like to talk about it after a job offer. Say this in a convincing tone. ,n case you are asked this 'uestion in your latter interviews give a direct answer. $o not sound apologetic while 'uoting the figure you have in mind. SALARY E1PECTATIONS 2 5. %ow much do you e1pect! ,f you have done your homework you would know how much other people in similar jobs are paid. 6uote the range upfront. 7. %ow much do you think you are worth! 4ork out how much you should be paid given the market value of the job and your skills. ,f you can bring some e1tra skills to the table do not hesitate to ask for more than the market value. 8. 4hat kind of a culture are you comfortable with! ,t is better to be frank about your preferences. Your interviewer will get a clear idea about your e1pectations. 9. 4hich is more important to you-salary perks or growth opportunities! #his one will reveal the real you. So be sure what you are going to say. Above all be true to yourself. ,f you think this is a negotiation move then say clearly that you will never sell yourself short. :. 4hat do you know about our company! $o not give your opinions about the company. Stick to reported facts that you have gathered from newspapers and so on. #alk about the product portfolio si;e income and market perceptions of the company. Also it is better to refer details about each company before going for the interview from "reshersworld.com or <lacement4eek.com =. 4hy should we choose you over someone else! #alk clearly about problems that you have solved in your /ollege*<roject #eam and highlight the 'uality re'uired.

=. Your 'ualifications are e1cellent but you may be over'ualified for the position we have to offer! <oint out that more e1perience can never be a drawback. ,f you are multi-skilled then highlight the fact that a company on the fast-track needs multi-skilled people. ,t needs people within different departments to work together. Also emphasise that the company's future growth will be an e1ponential function of your e1perience. 3 ,+0 4,t$ you 2 a3 /opies of your resumes b3 &eferences and letters of recommendations. *, !t Im& e!!,o+! 2 #here is a common saying that minds are made up within the first : minutes of an interview. So keep in mind these important first impression indicators. 4alk in the door as if you already work there carry yourself as though you feel perfectly comfortable with the situation. Arrive on time or a little early. ,n the waiting area politely tell the receptionist who you are meeting and in a friendly way ask where you should sit. #ake slow deep breaths to help you remain calm and focused. 4hen introduced to the interviewer have a firm but not painful handshake. Smile. %ave good posture when sitting or standing. ,ntroduce yourself in a rela1ed confident manner. %ave a wellgroomed professional appearance. <roject a feeling of confidence. (ring e1tra copies of your resume some thing to write on and something to write with. Type of Questions ,nterviewers use five different types of 'uestions - directive non-directive hypothetical behavior descriptive and stress. (eing aware of the different types can help you in the preparation stage as you build your skills inventory. ,t may also help you focus in on e1actly what is being asked and what the employer is looking for in specific 'uestions. D, e/t,)e Que!t,o+! #he interviewer determines the focus of your answer. #he information that the interviewer wants is very clear. ,f you have completed the research on yourself this type of 'uestion should be easy to answer. E.am&le2 "What skills do you have that relate to this position?" "I have very good communication and interpersonal skills that I have refined through several summer and part-time jobs working with the public. In addition, I am fluent in both nglish and !rench." No+5D, e/t,)e Que!t,o+! You determine the focus of your answer. #he interviewer asks a general 'uestion and does not ask for specific information. #he most common non-directive 'uestion is

""ell me about yourself." When answering the question, keep in mind that the employer is interested in knowing how your background and personality qualify you for the job. In your answer, you should cover four areas: your education, related experience, skills and abilities, and personal attributes. s you talk about these areas, relate them to the job you are seeking. !ecide what your response will be before starting to speak, this helps to keep responses concise. E.am&le2 " "ell me about yourself." "I have a #achelor of $rts %egree in &sychology, and have recently completed the course in 'olunteer (anagement through the 'olunteer )enter of Winnipeg. "hese have given me a strong background in many of the principles of human behavior and the recruitment, training, and supervision of volunteers. I have e*perience in working with young adults in a helping capacity, both through my position as a &eer $dvisor at the +niversity of (anitoba, and as a camp counselor at a camp for behaviorally troubled adolescents. #oth of these positions involved individual counseling, facilitating discussion groups, and teaching young people about health issues - all of which relate directly to the services which I would be training volunteers to provide within your organi,ation. In addition, I thoroughly enjoy working with young people, and can establish rapport with them easily." Hy&ot$et,/al o S/e+a ,o Que!t,o+! 4hen asking a hypothetical 'uestion the interviewer describes a situation which you may encounter in the position and asks how you would react in a similar situation. #his is a good way to test problem-solving abilities. 4hen answering this type of 'uestion try applying a simple problem solving model to it gather information evaluate the information priories the information seek advice weigh the alternatives make a decision communicate the decision monitor the results and modify if necessary. E.am&le2 "-uppose you are working your first day in our laboratory, and a fire at a nearby work station breaks out. What would you do?" "#efore I start working in any laboratory, I always locate the emergency e.uipment, such as eye washes fire blankets and alarms. , would also review the safety protocols. So in this situation , would be aware of these. As soon as , noticed the fire , would shut down my e1periment and if the fire is significant , would pull the firm alarm and help to evacuate the lab. ,n the case of very small flame , would ask the staff member at the station what , could do to help 4hich would vary with the type of substances involved.

3e$a),o De!/ ,&t,)e o 3e$a),o al Que!t,o+! #his type of 'uestion is becoming increasingly popular in interview situations. ,t asks what you did in a particular situation rather than what you would do. Situations chosen usually follow the job description fairly closely. Some employers feel that e1amples of past performance will help them to predict future performance in similar situations. #here is no right or wrong answer to this type of 'uestion but keep in mind that you should relate the answer to the position. ,f you are interviewing for a research position talk about a research project you completed. E.am&le2 "/ive me an e*ample of a work situation in which you were proud of your performance." "While working as a sales representative for 012 )ompany for the summer, I called on &rospective clients and persuaded them of the ecological and economic benefits of 3ecycling. I also followed up on clients to ensure that they were satisfied with the service "hey received. "his involved both telephone and in-person contacts. I increased sales 456 over the same period in the previous year." 4hen preparing for this type of 'uestioning it is crucial that you review the skills and 'ualities that the position would re'uire and identify specific e1amples from your past which demonstrated those traits. St e!! Que!t,o+! Some 'uestions will surprise you and possibly make you feel uncomfortable during an interview. "or E.am&le2> Which do you prefer, fruits or vegetables?" #here are many reasons why an interviewer might ask such 'uestions. #hey may want to see how you react in difficult situations or they may simply be trying to test your sense of humor. Such 'uestions may directly challenge an opinion that you have just stated or say something negative about you or a reference. Sometimes they ask seemingly irrelevant 'uestions such as "If you were an animal, what type of animal would you be?" #he best way to deal with this type of 'uestion is to recogni;e what is happening. #he interviewer is trying to elicit a reaction from you. Stay calm and do not become defensive. ,f humour comes naturally to you you might try using it in your response but it is important to respond to the 'uestion. 4hat you say is not nearly as important as maintaining your composure. E.am&le2 "Which do you like better, 7ions or "igers?" "8h, lions definitely. "hey appear so majestic and are very sociable. "o be honest, I think that seeing "he 7ion 9ing four times has probably contributed to this:"

(usiness Analyst jobs are in huge demand now-a-days with each and every industry turning to such professionals as to whether they can analy;e the company?s business processes and guide the organi;ation towards it business and strategic objectives. So with such a market open for business analysts and jobs mushrooming all over the place you as a business analyst should be well prepared for landing the best job out there. #o help you do so we have here a collation of interview 'uestions which should be like a handbook interview guide to the business analysts out there. #here are several categories of the interview 'uestions depending on the type of 'uestions +e+e al 6a+a0eme+t S7,ll! W$at %o you t$,+7 a e you !t e+0t$! a! a 3u!,+e!! A+aly!t' , think that , have following strengths in my past profile as a business analyst@ A A #he right mi1 of functional and technical knowledge Ability to communicate effectively between the development 2whether internal or third party vendors3 team and the end users. A A Strong levels of persistency and 'uick learning capability Adaptability to the work environment as desired.

W$at %o you t$,+7 a e you 4ea7+e!!e! a! a 3u!,+e!! A+aly!t' , believe in turning my weaknesses into strengths so , strive towards having a calm and cool attitude. Also , would like to at par with the latest technology in the market but it?s not always possible.

W$at /a+ you %o "o u! t$at ot$e & o!&e/t,)e /a+%,%ate! /a++ot' , am confident on being the best fit for this role as my principles are , believe to be in line with the company vision and mission. , will bring to the organi;ation my technical know-how as well as my functional e1pertise striving to achieve success for the company

W$at ,! t$e mot,)at,+0 "a/to 4$,/$ you e.&e/t " om you 8ob' (elieving that the work done by me is contributing in the organi;ational growth and success is my utmost motivation. ,t?s a feeling of knowing that the work done by me has contributed towards the company?s good results and being a part of that achievement howsoever small my part might have been gives me great pleasure. , know for sure that if the company is performing well then it will definitely down the line look after it main resources B its employees and , would be a proud party to that0 W$at Pa t o" You 9ob Do you l,7e T$e 6o!t' #he ability to analy;e and research the various aspects and arriving at the solution or way forward so as to benefit the organi;ation or at least at the project level gives me great satisfaction. W$at Pa t O" You 9ob Do You D,!l,7e T$e 6o!t'

#here is currently no part of my job that , dislike and , am glad that , have chosen this career path. A e you a4a e o" t$e )a ,ou! !o"t4a e met$o%olo0,e!' Name a "e4 #here are various S$)/ methodologies which are available and used by the majority of the organi;ations for their software development projects. Some of these software development methodologies are@ a3 4aterfall method B this is one of the most widely used systems development process b3 Agile methodologies like &C< 2&ational Cnified process3 &A$ 2&apid Application development3 DA$ 2Doint Application development3 . c3 <rototyping -odel Binvolves the presentation of a simplified prototype of the system based on the re'uirements d3 Spiral model B hybrid of the waterfall and the prototyping method W$at a e t$e )a ,ou! te!t,+0 !ta0e! ,+ a !o"t4a e & o8e/t l,"e /y/le' #he major testing stages in a software development life cycle are@ a3 Cnit #esting B this is usually done by the developers who have coded the unit b3 ,ntegration testing B this is done by the 6A team 2'uality assurance3 and *or the business analysts to test that the integration of the units is working fine c3 System testing B is done by the 6A team or the (usiness Analysts to see whether the system is working as a whole or not

d3

&egression testing B is done to test whether the current parts and the new development are synchroni;ed and there is no impact on any other system. #his testing is done by the analysts.

e3

Cser acceptance testing B is covered by the end users in order to test that the re'uirements given for the system are in line with the developed application

f3

Stress and*or )oad #esting B is done by the technical team to test whether the system can sustain heavy load and usage etc.

W$at a e !ome o" t$e /$alle+0e! you $a)e "a/e% a! a 3u!,+e!! A+aly!t As a business Analyst one has to be an interface between the users and the technical team and provide regular support. Some of the major challenges which a business analyst has to face in his profile are@ A #here should be clarity regarding the re'uirements as they lay the foundation of the project. ,n case of any gaps there can be huge repercussions. A #here are several software methodologies technologies documentation standards in the market and they keep on evolving. #he business analyst has to be on top of such methodologies and trends to be successful in the profile. A #he business analyst ,s regarded as the knowledge house regarding domain knowledge and has to keep on updating himself with the industry and company know-how to keep himself at par.

W$at ,! U6L' W$at a e t$e tool! 4$,/$ a e 0e+e ally u!e% by bu!,+e!! a+aly!t! "o U6L %,a0 am!' C-) is Cnified -odeling )anguage and is a worldwide standard for diagrambased object-oriented modeling. /lass diagrams Cse case diagrams and Activity diagrams are usually used by business analysts during their functional documentation and re'uirements analysis process. Csually business analysts use any of the following tools for C-) diagrams@ A A A -S B Eisio &ational &ose Spar1 Systems B .nterprise Architect

W$at a e +o+ "u+/t,o+al e:u, eme+t!' Fon "unctional re'uirements include the following@ A <erformance /haracteristics of the system B speed response time capacity constraints A A .rror and e1ception handling B systems logs error logging .1ternal ,nterfaces G ,ntegration B data integration data feed schedules. A A A Security of the system B user profiles administrator privileges $isaster &ecovery G (usiness /ontinuity <lan B system back ups Cser and #raining re'uirements B for users and technical team

W$at ,! mea+ by lo0,/al %ata mo%el' $ata model tells clear details about the data and how the data is stored physically in a database. W$at %o u mea+ by $,0$ le)el ; lo4 le)el u!e /a!e' A broad view of a business process is called a high level use case. And if we divide the big view into different small sub use cases then it is called low level use case. W$at %o you 7+o4 about SDD ' ,t is also called system design document. -y role as a (A is just a mediator or a middle layer between business users and developers and we make developers to understand the business re'uirements. W$at %o u+%e !ta+% by URS ; *S ' Cser re'uirement specifications and "unctional specifications. #o keep track of these re'uirements we generally use #raceability matri1. (y using Test director we can do traceability of re'uirements n testing phase. Ho4 %o you & e&a e u!e /a!e!' (Y using -S Eisio and &ational rose. Ho4 %o you &a t,/,&ate ,+ te!t,+0 a! a 3A' , participate mainly in reviewing the test cases to see if all the re'uirements have been met. W$at ,! t$e ma,+ :ual,ty o" a 0oo% e:u, eme+t' #he re'uirement should be good clear understandable and consistent and should be easily verifiable. W$at %o u u+%e !ta+% by U6L ' C-) is basically Cnified -odeling )anguage. #his is the standard language used in the system to understand document construct different components in the system. W$at a e %,""e e+t %,a0 am! to be 7+o4+ by a 3A'

.ntity relationship diagram data flow diagram use case diagram class diagram activity diagram state chart diagram se'uence diagram collaboration diagram component diagrams deployment diagrams etc.. Use case diagram: basically e1plains the business environment. Series of all related actions performed by actor. Activity diagram: Csed in the early stage of analysis and designing level. ,t describes each individual component. Sequence diagram: ,t tells the objects interactions with each others arranged in time se'uence. Eery useful for developers and testers to understand the system better. W$e e %,% u u!e at,o+al o!e ; e:u,!,te & o ' 4hen we created different modules of re'uirements for different functions and finally collected all together and made a single re'uirement document we used re'uisite pro to do this. And we used rational rose to create the business model as a visual representation. /reated %igh level G low level use cases. Activity diagrams State diagrams /ollaboration diagrams Se'uence diagrams

W$at %o u+%e !ta+% by )e !,o+ /o+t ol ; /o+",0u at,o+ ma+a0eme+t ' (asically version control is a part of configuration management. -ainly it handles when the previous document changes. 4here as configuration management handles the individual component. W$at ,! mea+t by 0oo% %o/ume+tat,o+ ma+a0eme+t !y!tem ' Should allow to make any changes if re'uired. +ood security features. Should be able to change versions. Authori;ations to only re'uired people. 2renditioning capability3

%ide imp information from others. 2redaction capable3 W$at a e %,""e e+t !o"t4a e met$o%olo0,e!.' S$)/ &C< S.,-/-- Si1 sigma S4O# /ost benefit analysis &isk analysis +ap analysis. W$at ,! OOAD ' Object oriented analysis and designing. Csed in coding od object oriented languages like cHH Dava and SA< (adis etc. W$at ,! UAT ' Cser acceptance testing. ,f the CA# fails (A did not understand the re'uirements properly. W$at %o u mea+ by Data ma&&,+0 ' ,t is the mapping of data from source system to a destination system. W$at ,! bla/7 bo. te!t,+0' ,t is completely a functional testing. i.e the tester need not know how it works technically. %e only bothers what input he is giving and what output he is getting. W$at %o u mea+ by 4$,te bo. te!t,+0' ,t re'uires slight programming knowledge to e1amine the outputs. W$at ,! bu0' -ainly used to see the performance issues and system hangs. Ho4 %o u mea!u e t$e :ual,ty o" a & o%u/t' 4e do it by seeing min bugs in the product according to standards maintained by company. W$at ,! RAD ' ,t is called as rapid application development. ,t is a development process that is used to build applications in smaller periods like :IJI days i.e with some compromises.

W$at ,! ETL ' .1traction #ransformation and loading. Csed mainly in data warehousing. Ty&e! o" te!t,+0 ' Cnit testing (lack bo1 testing Ad hoc testing 4hite bo1 testing .1ploratory "ront end (ack end &egression CA# ,ntegration System testing @ by developer @ "unctional and module level. @ &andom testing..no particular pocess. @ Eery detailed..into the code. @ ad hoc testing with some purpose* goal. @ for web based applications. @ database level @ #esting again and again the same application. @ Cser acceptamce testing @ testing the interaction of 7 or more than 7 modules at a time. @ #esting all the modules together

E!!e+t,al *,+a+/e<ba+7,+0 7+o4le%0e a bu!,+e!! a+aly!t !$oul% &o!!e!! "o a 3A 8ob ,+ ",+a+/e %oma,+= A business analyst is involved in the preparation of the re'uirement documentation analysis of the functional issues supporting the project team throughout the project life cycle and successful delivery to the client. #he basic skills which a business analyst aspiring for a (A job in the finance domain should have are@ a) Functional knowledge the finance domain as such is huge and has immense potential for the right candidate to grow. #here are several subsets of the finance industry wherein you can be in the banking industry financial services or the finance or accounts department of a user company. 4herever be the financial job role be the functional knowledge re'uired is broadly the same. #he re'uirements include the basic knowledge of financial accounting and management understanding of the primary K<,s2Key

<erformance ,ndicators3 if re'uired basic knowledge of the operations in the front and the back offices of the financial organi;ation. b) Management Skills A prospective business analyst in the financial domain should have be proficient and e1perienced in people management good communication and leadership skills e1cellence in project and change management. As a business analyst is a conduit between the users and the technical team its vital that the (A has professional e1perience in handling such project teams and resources c)Technical skills &ight from being brilliant in -S B Office tools such as 4ord .1cel Access Eisio to being hands-on in the programming languages. A business analyst should be up to date in the latest technology trends and the software packages launched recently so as to be capable of providing a viable and innovative solution. d) ducational background B if the prospective business analyst candidate is from a management educational background or has had a finance related education. !n case o" a "inancial industry like the banking domain# there are several types of banking like retail corporate investment etc . #he business processes of each of these industries are somewhat different and the business applications and other technology tools being used are also varied. 4e can discuss in the detail the knowhow re'uired for the various categories here@ a) $etail %anking:basic know how re'uired are the financial operations payments and trade transactions A-)2Anti -oney laundering3 "raud management b) !nvestment %anking: functional e1perience in "L2"oreign .1change3 processes either Options or /ash "ront and back office operations %edge "unds and derivatives Asset management &isk management c) &rivate %anking'(ealth Management @ e1pertise in treasury or cash products traded instruments vendor management regulatory re'uirements related applications based on technologies or tools such as S4,"# (asel ,,

So in case financial organi;ations are interested in a business analyst to join their ranks they will prefer that the business analyst will come to them with minimum of few years in a similar industry and preferably from a business analyst background. ,f so then the business analyst can bring with him the perfect mi1 of technical know-how and domain knowledge specific to that industry.

)ow are the three terms# *re+quali"ication# *re+a**roval , "inal loan a**roval di""ers "rom each other#he first process called pre-'ualification involves the assessment of the total mortgage you can offer to the lender and this is determined by the income-proof provided by you and your credit report. #he verification of your employment and accounts information is conducted in the ne1t process called pre-approval. ,n this very process your mortgage capacity is approved after estimating the market value of the property you are interested in. #he last process known as the final loan approval marks the completion of the loan approval with all necessary documents and other formalities including contingency plan been finali;ed by the lender.

)ow many ty*es o" "irst+time buyer *rograms are thereYou can confirm about the different buyer programs available to you through your agent. (ut always remember that buyer programs are mostly there at the level of your local community state or province rather than at the level of the nation. #his is because the buyer programs are fre'uently created and operated upon at the local level.

)ow could ! know that which one is the best o" the number o" di""erent mortgage *lans#o choose the best mortgage plan for yourself you?ll have to do some research. #his research should include from a local bank having a mortgage program to the brokers that have a wide range of lenders to offer. Other than that you should also visit some sources online like )ending#ree where you will get information about the lenders from across the C.S. You can also have three lenders on offer from a single loan re'uest form that are vying to give you the loan.

!s the !$A retirement "und is acce*ted as the down *ayment "or a house,f it?s your first time to buy a house then you are most welcome to utili;e your ,&A retirement funds. -oreover #he ,&S stipulates that husband G wife can separately utili;e up to M5I III as the 'ualified ac'uisition costs that is also penalty-free provided each of them is buying the house for the first time. #he 'ualified ac'uisition costs is nothing but the costs of having a house built rebuilt or bought including other financial transactions like closing and settlement costs. "irst Btime homebuyer@ A person having no claim on the main home at least for 7 years after the end of which he or she owns the main home 2his or her spouse3 to which these conditions applies is considered as the first-time buyer. Am ! liable to *ay *oints4hen you compare the different mortgages you must take into notice the number of points that is your up-front interest together with your rate of interest. Are there any o*tions "or the individuals having bad credit recordYes there are0 -any lenders are particularly concerned with this kind of clients only. -any of the buyers missed the opportunity of having a better deal stroked because of their sheer apathy towards their credit report. ,t is not always that your credit report is as worse as you think it is. You can get a fair deal once you sit down and re-evaluate your credit report and correct the errors if any along with handling your account better. %ere you are provided with a scheme of free credit report together with free /redit /heck -onitoring Service for 8I consecutive days. ,f you are also facing the problem of a poor credit report but want a great deal on your mortgage then you can rely on the service of the )ending#ree.

(hat the terms "ront ratio , back ratio indicates to# as ! "requently encounter them when looking "or a mortgage *rogram(efore you are awarded a loan it is determined that of what scale a house you can afford and it is assessed through your present income. #his process involves these two terms front G back ratio. Front $atio: ,t is the ratio of all the mortgage payments 2<,#,3 that includes your ta1es principal amount insurance and condominium to your +&OSS income. ,t should be under 7NO mark but is not compulsory. "or an instance if your income is M8JIII*month and your total mortgage payment is MPJ8 and then your front ratio will end up being 7=O.

%ack $atio: ,t is the ratio of the sum of your total mortgage payment credit card payments car payments or any other kind of loan payments to your +&OSS income. ,ts limit is up to 8=O. "or an instance if your income is M8JIII?month your mortgage payment is MPJ8 two credit card payment is M:P and G M98 car payment is M757 that adds up to M57NJ and then your back ratio would be 8:O. (hat should a buyer do in case he doesn.t have any money "or the down *ayment and "or the closing costs#here are a few mortgage programs that allow the individuals having low or no money to buy a home. (ut still you are supposed to deposit funds for the down payment or the closing cost or in some cases both. #his is because the lenders e1pect you to be actively participating in the program as a substantial amount of your income would go into the mortgage payment. ,n some circumstances it has been seen that the seller itself bears some of the closing costs 2normally ranges between 8O-:O3 or the cost of down payment is lowered 2up to :O3. (ut it is very hard to find a case of no down payment at all. Although having a good credit report and money for the closing costs enables an individual to benefit in some ways in the area of conventional loan.

QUESTIONS YOU SHOULD ASK 2 ,nterviewers usually round off by giving you an opportunity to ask 'uestions. #reat it like a welcome opportunity. You could ask 'uestions like. a3 #ell me about your company. b3 Fow that , have outlined my career goals do you think you can offer me the opportunities , need! c3 4hat kind of training and learning can , e1pect in your company! d3 $escribe the work culture and the management style of your company! e3 4hat is the long-term vision of your company! 1. W$at a e t$e mea!u e! u!e% to 8u%0e $o4 !u//e!!"ul I am ,+ t$e ole' #. W$at /a+ I e.&e/t " om you ,+ te m! o" %e)elo&me+t a+% !u&&o t' (. W$e e 4,ll t$e 8ob ",t ,+to t$e team !t u/tu e' -. W$at ,! t$e ma,+ t$,+0 t$e o 0a+,>at,o+ e.&e/t! " om ,t! em&loyee!' ?. A e t$e e a+y &la+! "o e.&a+!,o+'

As a fresher current position and status can impact the way you are interviewed. "resh Out of /ollege #he basis on which you will be judged is your academic background family background and interests. ,f looking for your first job ensure that your previous e1perience even if it is part-time is noticed. -ention projects or responsibilities you may have undertaken. #his will indicate your area of aptitude. You should be willing to put in regular hours in line with the company's policies. #he interviewer needs to know whether you can be punctual and put in full-time work. ,n case you have applied for the post of management trainee you should display an ability to adapt and indicate all-round interests. -oreover you should have good interpersonal skills. You should be enthusiastic to learn and show commitment towards the organi;ation as the company will be spending a lot on your training.