Tag: Pay

NET10 Wireless Smart Phones – Alcatel, Motorola, Samsung, HTC, Nokia, LG, Emporia, CAT, Catepillar,



Connect With Us

International service available for calls originating from U.S. and Puerto Rico only. No international roaming. Personal use only. IMPORTANT NOTICE FOR CUSTOMERS CALLING MEXICO: Unlimited Calls to cellular phones in Mexico, China, Canada and India every 30 day service period. To minimize unreasonable use, each mobile phone will be allowed to call up to 15 unique destination numbers per 30-day period. The number of personal use calls to these unique destination numbers is not limited and automatically resets when the Account is renewed. Other restrictions apply. NET10 reserves the right to terminate your service for unauthorized or abnormal usage. International service available to select destinations which are subject to change at any time. See Terms and Conditions of Service at www.net10wireless.com for complete details.

*At 2G speeds, the functionality of some data applications such as streaming video or audio may be affected. ††To get 4G LTE speed, you must have a 4G LTE capable device and 4G LTE SIM. Actual availability, coverage and speed may vary. LTE is a trademark of ETSI. Please refer always to the Terms and Conditions of Service at NET10Wireless.com.

All offers are subject to change or discontinuance by Net10 at any time without further notice. Net10 reserves the right to limit quantities and to reject or cancel orders in its sole discretion. Product not for resale or distribution.

A month equals 30 days.
◊ Your leased device is covered by the Handset Protection plan.
◊◊ Varies by individual plan you are approved for.
** For no credit score path, FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed. Approval not guaranteed.

NET10® is a registered trademark of TracFone Wireless, Inc. 2017, a subsidiary of America Movil. All other trademarks, service, marks, and trade names referenced in this site are the property of their respective owners.

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Outer Banks – Albemarle Termite – Pest Control – Elizabeth City, NC – Pest


Albemarle Termite Pest Control

Ask About Integrated Pest Management, Beg Bug Control, History & More, Locally Owned & Operated, of Experience Serving the Albemarle Area, Professional Technicians With Years, Proactive Protection, Residential & Commercial, Retail, Schedule Appointme.

Albemarle Termite & Pest Control – Outer Banks in Elizabeth City, NC – Pasquotank County is a business with Technicians on staff and specialized in Ants, Restaurants, Government, Cockroaches, Earwigs, Termites, Industrial, New Homes, Residence and Vermin. Albemarle Termite & Pest Control is listed in the categories Pest Control Services, Moisture & Vapor Control, Moisture Control and Pest & Termite Control and offers New Construction, Residential, FAST RESPONSE & GREAT CUSTOMER SERVICE IS OUR GUARANTEE. SPECIALIZING IN. Termite Control, CONVENTIONAL TREATMENTS, Environmentally Safe Termite Baiting Systems etc. If you did business with Albemarle Termite & Pest Control, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Pest Control Services, Moisture Vapor Control, Moisture Control, Pest Termite Control


Ants, Restaurants, Government, Cockroaches, Earwigs, Termites, Industrial, New Homes, Residence, Vermin

Guarantees, Environmentally Aware, Environmentally Conscious, Environmentally Friendlly, Environmentally Responsible, No Environmental Harm


New Construction, Residential



Professionals on Staff:

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Student Loan Services – Ways to Pay for College #student #loan #services, #college #financing,


Student Lending and Services

* Multi-year approval funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the multi-year approval feature, terms and conditions will be outlined in your promissory note.

1 Average savings of $643 are calculated using the 2016/2017 Award Year Federal Direct PLUS Loan program reporting (as of 5/03/2017 for quarter ending December 31, 2016 not including Grad PLUS) of originations of

$11.1 billion to 740,097 borrowers through 769,597 loans with an average loan size of $15,035.30. Average fee savings is possible with either private student loan option we offer, including the Citizens Bank Student Loan or the Citizens Bank Student Loan for Parents.

2 Average savings based on 57,772 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 6, 2014 and January 31, 2017. The borrower s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.

3 U.S. Dept. of Education. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. For Loans first disbursed between October 1, 2016 and September 30, 2017 the origination fee is 4.276%.

4 Interest rate reduction of up to 0.50 percentage points is possible with the following discounts:

Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

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Buy Here Pay Here NY #ny, #new #york, #buy #here #pay #here, #dealers, #bhph,


Buy Here Pay Here Car Lots New York

Buy Here Pay Here, NY

New York, car lots with car dealer lease to own, pay here finance. Find leasing and bad credit loans from dealerships with tote the note, we finance anyone, in house credit financing. Use car leasing is popular at car centers near New York, NY.

Auto marts with in house guaranteed approved, tote the note, 2nd chance financing in New York, NY find it hard to complete with our auto sales and leasing programs for people with bankruptcy, poor credit, or terrible credit. Complete online application today. Once you apply, you’ll be contacted by finance manager at one of our auto outlet car centers with the max you can borrow.

Get Approved for Dealer Financing Online Today!

Buy a Used Car Today with BHPH or Lease to Own

Get started now by filling out the form below. The process is fast, easy, and secure!

Realtime BHPH Results for People with Bad Credit in New York

Krystie from Freedom, NY didn’t meet the minimum income requirements.
Jun 11, 2017 – 01:45 am

Latrecia from Southold, NY has just qualified for a no money down used car loan.
Jun 11, 2017 – 12:02 pm

An auto loan for Laron from Fallsburg, NY has just been processed.
Jun 11, 2017 – 11:32 am

New York Lease to Own Financing

Our New York used car lots have in house financing available

Buy a car with bad credit in NY cities through one of the many buy here pay here car lots in NY that are part of our New York buy here pay here car dealer network.

Our New York buy here pay here dealers also offer financing from the nation’s most time-tested sub prime lenders.

When you apply online you can get approved before you visit a dealership in New York with in house financing. Our application has zip code routing so we will find a local dealer ready, willing, and able to sell you a car.

All New York Car Lot Locations

Get auto financing no matter what your credit situation may be.

Pre-Qualify in 30 seconds for Auto Financing with our quick Pre-qualification auto loan application.

What People in New York are Saying

“I was very pleased with the service I received. I was treated respectfully and not as someone who couldn’t be helped due to credit problems.” Derek S.

“I really enjoyed being treated as a person, not at all like the other dealership I went to. No pressure was shown. They cared about the person, not just making the sale.” Matt B.

“What a great experience. Our rep was very excellent to work with. We thank you very much for working with us.” Jessica K.

“Excellent service and great car. Very satisfied!” Roger P.

Top New York Dealer Financing Locations

Used Car Auto Loans

If you are in the pursuit of getting a used auto loan considering the fundamental aspect of financing is vital. A used auto loan can help you purchase the car you want, rather then the car you could buy for cash from a private seller or used automobile sales dealership.

Providing online lending solutions for a used auto loan has nearly no limitations. Bankruptcy, no credit used auto loan, bad credit used auto loan � regardless, you can get instant approval from one of the many financing programs available.

Used auto loan financing helps you to buy a used car with no stress or hassles. There is no factoring in your credit score or history which relieves 100 percent of the stress from the start. Next to a house, purchasing a vehicle is the next in line for major purchasing. This line of credit can help you to establish credit or rebuild your damaged credit all in less than an hour. Amazing!

Bottom line- you can get that used auto loan you need with a committed financing lender at the terms that are affordable for you. Get ready to hear “yes” and hold your head high, you are on your way to driving the car you only dreamt about with pride that you decision was a wise and affordable one.

New York Car Lots Sponsors

Roadrunner Auto Sales
610 Sunrise Hwy
Baldwin, NY 11510
Phone: (516) 867-2701

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Pay Per Click Management Experts Talk About Paid Search, ppc pay per click.#Ppc #pay


PPC – Pay Per Click Management

Ppc pay per click

A Must Do List When Starting Up A New Website 06 Sep 2017

Ppc pay per click Starting a website is an exciting adventure to embark on. You have the freedom to make a website about anything you want, and design the website however you like. For this reason, there does not really need to be much motivation when starting a website since the majority of people create websites about things they love to do, .

2 Ways to Save Money in a PPC Campaign 05 Sep 2017

Ppc pay per click PPC campaigns are an extremely effective way to gain contextual traffic to a designated landing page. The concept behind only paying for traffic and not ad space is something that has proved to attract millions of advertisers to platforms such as Google AdWords. However, a PPC campaign can become quite costly when not .

GAME Analyse A Real PPC Campaign 31 Aug 2017

Ppc pay per click The last PPC campaign I analysed in the Analyse A Real PPC Campaign series was from AB Toys and More, who had made a general PPC campaign for fidget spinners. This was a poor targeting choice by AB Toyz and More which did not even mention fidget spinners on the landing page at all. With the Nintendo Switch .

Tips to Using the Right Language in PPC Advertising 30 Aug 2017

Ppc pay per click Pay per click advertising is an extremely effective platform to promote just about anything when done correctly. A key component to the advert and landing page of a PPC campaign is the content itself. You could have the most desirable product that is flying off the shelves. However, your advert might be using the wrong content .

Google Increases Site Links in Mobile PPC to 8 29 Aug 2017

Ppc pay per click Google has been busy updating the way pay per click advertising looks for mobile users to further improve the experience web users have with PPC. It was only a little while back that Google updated the site link extensions in PPC to accomodate more links, previously at a value between 2-6 links. This enabled the web user to use .

Are your search marketers doing enough to increase ROI of PPC campaigns? 28 Aug 2017

Ppc pay per click I started my career as an Intern in a digital marketing agency. I was fresh out of college and got a call. Frankly speaking, I didn’t have an idea what exactly digital marketing is back then. Perhaps, I heard a couple of times about online marketing. As things turned out, I found it damn interesting. It is a world in itself. .

AB Toyz and More Analyse A Real PPC Campaign 24 Aug 2017

Ppc pay per click The last PPC campaign I analysed in the Analyse A Real PPC Campaign was from Kenwood Travel, who had good search advert and a good landing page, except for the bland colour scheme used on it (which needed to be more colourful to reflect the type of holiday they were promoting). An interesting product that has .

When to Use PPC and When to Use SEO 23 Aug 2017

Ppc pay per click Although it has been mentioned many times before, it still needs to be stressed just how important traffic is to a website. Without traffic, to some extent, a website is worthless. Making sure you have sources of traffic to a website is crucial to the success of it. With this, there is an argument to say that there are mainly .

Google s Deadline Day for HTTP Websites Approaches 22 Aug 2017

Ppc pay per click It has been no secret over the last few years that Google looks at the security of websites as a ranking factor for their search engine. With this has come the rise of websites migrating to https://, otherwise known as adopting an SSL certificate. An SSL certificate is a way of encrypting the connection between the website and .


Ppc pay per click MOST IMPORTANT REASONS YOU MUST AVOID FOR YOUR SUCCESS IN PPC ONLINE ADVERTISING Pay-per-click marketing is a valid and authenticated method that marketers use to present their company in front of local and international audience. It is successful because almost every hour a day is a peak hour somewhere around the world when .

About PPC.org and Pay Per Click Marketing

We created this blog to spread tips, tricks and insider info about Google Adwords, BingAds, YouTube Ads and Facebook Ads. We want to help the world to make good profits from your PPC Ad Campaigns. With a vast amount of competition in the paid search market, everyone needs a little help. Even the experts. Advertising dollars are being poured into online marketing more than ever before, it’s now harder than ever to bring a decent return on investment through your Adwords Campaigns. We try to offer only the best quality content, case studies and resources to improve your pay per click ad campaigns.

Whether you’re a beginner to the online world or you’re an experienced pay per click expert, we have all the tools that to help you take your PPC campaign to the next level. We specialize in paid search management of Google AdWords, adCenter, Youtube and Facebook ads as well as many other paid search networks. We keep up with all the latest trends and releases from Google, Microsoft, YouTube, Facebook and other search marketing networks. We provide as many “how to” guides to learn the latest tips and tricks to get you the best results out of your campaigns.

We teach you everything from starting your first campaign, knowing what keywords to use, improving your CTR, to upping your quality scores. Our goal is to teach you everything you need to know to get your campaigns optimized to their greatest potential. We teach you to make money for your business through AdWords, adCenter, YouTube and Facebook ads, as well as a few other networks.

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Payday Loans Online & Payday Advance Loans from Check City #pay #day #loans #online,payday


Too Many Days Till Payday? Get Fast
Payday Loans Online & In Store.

Check City realizes that payday may not always come on the day that you need it to. With a fast, convenient payday loan from Check City you won’t have to worry. A payday loan is surprisingly easy to qualify for and affordable.* When used effectively, a payday loan is a superior alternative to late, over draft, over the limit, and reconnection fees as well as the long term affects that such fees can have over time due to changes in your credit score. A payday loan also gives you access to money you need to take advantage of great sales or limited time offers that you would otherwise miss out on if you waited till payday.

Getting a Payday Loan is easy, you can Apply Online or visit a Check City Location near you. Either way, the process only takes a few minutes. It s so easy!

Here s How Online Payday Loans Work:

  1. Visit www.CheckCity.com and fill out the application online.
  2. We will review your application.
  3. Within 24 Hours your funds will be Direct Deposited into your account upon approval.

Here s how a Payday Loan works in Stores:

  1. Walk in to a convenient Check City Location and fill out an application.
  2. Write a personal check† for the amount you need (plus our standard fee) .
  3. Walk away with CASH upon approval!

To Qualify for a Payday Loan you must:

  1. Have a steady source of income
  2. Photo ID
  3. A checking account

Apply Online or come by a Check City Location today and get the cash you need now!

DON’T HAVE A CHECKING ACCOUNT? Check City offers Signature Loans. Stop by any of our Utah Locations for more details.

*Payday Loans should be used for short-term financial needs only, not as a long-term financial solution. If you are experiencing credit difficulties, we encourage you to seek credit counseling. Although we strive to assist every applicant, not all loan applications will be approved.

†Check City holds the check until your next payday or some other date you specify and then cashes the check to repay the loan.


Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans.

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process.

Actual loan amounts vary. See Rates and Fees for specific information and requirements.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

Check City provides loan services in: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.

Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Fri.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

VCC Credit Services Inc. dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21

Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

Utah Customers: For consumer questions or complaints regarding payday loans and/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator The Utah Department of Financial Institutions at (801) 538-8830.

Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.

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What business tax will you pay #financing #a #business

#business taxes

#Tax rates and tax thresholds
We’ve scoured the web to get you the most up-to-date advice which includes the most useful tools on offer from the officials themselves. The list below links to details of the current tax rates, rates for the previous year and forthcoming changes to tax rates and tax thresholds where they have been previously announced.

    National Insurance
    National Insurance Contributions (NICs) are payable whether you are self-employed or employed by your own company, although different rules and rates apply. National Insurance contributions can significantly increase the amount of tax you pay.
    Also in this topic

    • Self-employed National Insurance
    • Employer s National Insurance contributions
    • Employee National Insurance

    Capital gains
    Capital gains are made when you sell something for more money than you paid for it. As a result, you can be subject to tax. Capital gains tax allowances and capital gains tax rates are determined by whether you are an individual or a company.
    Also in this topic

    • CGT for individuals
    • Chargeable gains for companies

    Commercial property taxes
    Business property taxes are likely to apply to businesses with commercial premises. There are two key commercial property taxes: business rates and stamp duty land tax. You also need to understand how VAT applies to business premises.
    Also in this topic

    • Business rates
    • Stamp duty
    • Annual Tax on Enveloped Property

    International trade
    Trading with overseas customers can be very profitable, but it should come as no surprise that international taxes can be complex and in some cases hefty. International taxes of which you need to be aware include customs duties, VAT, tax on your profits and any local overseas taxes that may affect your business.
    Also in this topic

    • Importing – import tax, VAT and excise
    • Exporting – export VAT and tax
    • International tax planning

    Specific business taxes
    The main UK business taxes include tax on profits, National Insurance Contributions, business rates and so on. But there are other UK business taxes that may affect you and your business. Understanding these can help to ensure you remain within the law and minimise the taxes you pay.
    Also in this topic

    • Environmental taxes
    • Construction Industry Scheme

    Tax problems and investigations
    Complying with each and every tax rule can be complex. It’s no surprise that many businesses face tax problems, while even the most routine tax inspections can be stressful, even when you have nothing to hide.
    Also in this topic

    • Tax payment problems

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    Welcome to CFLR #pay #per #click #courses


    Do-it-yourself division of CP items does not deprive trial court of jurisdiction to divide them equally.

    In reversal, Third District holds that trial court erred by denying wife s motion to divide unadjudicated community property under Fam C 2556 because wife was not required to file prior motion for set-aside of default disso judgment before seeking division and was not precluded from seeking division some two years after disso judgment was entered

    In re Marriage of Huntley

    California Court of Appeal 3 Civil C080534 10 Cal.App.5 th 1053. 216 Cal.Rptr.3d 904, 2017 FA 1786, per Hoch, J (Butz, Acting PJ and Renner, J, concurring). Yolo County: White, J, reversed. For appellant: Matthew Smith, (530) 758-7800. For respondent: Pamela Bair, CFLS, (530) 756-2247. CFLP J.2.0.2.

    Frank and Deanna Huntley were married in 2000 and separated in June 2011. In December, Frank served Deanna with a disso petition, an I E declaration, and a property declaration, which listed the family home as their only property. Deanna did not respond to the petition, and in July 2012, Frank filed a request for default, which he served on her. The trial court entered a default judgment in October 2012, which dissolved the parties marriage, but did not mention any community property. Some time after that, Deanna signed a grant deed conveying her interest in the family home to Frank.

    In January 2014, Deanna filed a motion under Fam C 2556, seeking to adjudicate omitted community property. At a subsequent hearing, the trial court reasoned that Deanna should have been aware that no property orders were made in the default judgment and filed a motion to set aside the judgment, since she was fully aware of the parties assets and debts and had been in charge of paying their bills during the marriage. In the meantime, the lower court reasoned, the parties community assets were held as per their title, retirement accounts were owned solely by the party who earned them, and the parties had divvied up their furniture and furnishings. In addition, the trial court continued, the fact that Deanna had signed the grant deed supported Frank s claim that he and Deanna had an oral agreement to divide their community debts and assets. Finding that the case was concluded, the trial court denied Deanna s motion.

    Deanna appealed, and the Third District reversed and remanded.

    Left out, but not forgotten.
    Deanna contended that Fam C 2556 gave the lower court continuing jurisdiction to divide unadjudicated or omitted assets without a prior motion to set aside the default judgment. The justices found that her contention has merit. The panel explained that a spouse s entitlement to a share of the parties community property may be altered only by a judicial decree or the parties own agreement. Moreover, they continued, property that is not mentioned in the disso pleadings is not affected by the disso judgment and remains unadjudicated until future litigation. In the meantime, the panel noted, that property is held by the parties as tenants in common.

    The KISS principle.
    The panel noted that when the Legislature enacted former CC 4353, later codified without change as Fam C 2556, it intended to do away with the then-existing requirement that a party must file a new action to obtain division of community assets omitted from the disso judgment. The panel found that the statute gives the trial court continuing jurisdiction to divide omitted assets without the moving party s having to file a set-aside motion, and requires that court to divide the unadjudicated assets equally, unless an unequal division is required by a finding of good cause or the interests of justice. Moreover, it applies even where the parties were aware of the extent of their community property when the disso judgment was entered. And, the justices pointed out, it contains no time limit for filing a motion under its provisions.

    In writing or on the record.
    Frank urged the justices to follow the lower court s determination that the parties had previously divided their community property per their oral agreement, leaving it with nothing to divide. Not so, the justices said. Any agreement that the parties made, the panel found, was not valid or binding on the trial court unless it was in writing or recited on the record, neither of which was the case here. Thus, the trial court still had the duty to divide the parties community property equally and had not been deprived of jurisdiction by any alleged oral agreement of the parties. Given all that, the justices concluded, the trial court s disso judgment must be reversed and the matter remanded for further proceedings.

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    7th Pay Commission – Details, Benefits on Pay scale, Expected Hike #seventh #pay #commission


    Latest Updates. The Union Cabinet has approved the recommendations of the Seventh Pay Commission on 29 June, 2016. As many as 47 lakh central government employees and 52 lakh pensioners stand to benefit from the implementation of Seventh Pay Commission recommendations and they are expected to get their revised salaries from August, 2016 onwards

    All CentralGovernment employees, including defence personnel keenly await the Seventh Pay Commission. Since Independence, India has had seven Pay Commissions put up to review the existing costs, inflation and other impact costs and make suitable revisions to the salary structure of central government employees.

    The Seventh Pay Commission

    On 24 February 2014, the Government of India issued a Gazette notification announcing the formation of the Seventh Central Pay Commission with Justice A.K.Mathur as the Chairman, Vivek Rae – Member (full time), Dr. Rathin Roy – Member (part time), and Meena Agarwal – Secretary. The Seventh Pay Commission had to submit its recommendations within 18 months (expected by August 2015) and the same is to be implemented from 1 January 2016.

    The ‘Terms of Reference’ was to examine, review, evolve and recommend changes regarding the emoluments structure comprising pay, allowances, facilities and benefits – in cash or kind. The Commission has been asked to examine the existing scheme of bonus and its bearing on productivity and performance, examine the incentive scheme to reward performance, productivity and integrity, and examine the pension scheme along with other retirement benefits that will impact:

    • Central Government employees – industrial and non-industrial
    • Personnel belonging to All India Services
    • Personnel of the Union Territories
    • Officers and employees of the Indian Audit and Accounts Department
    • Members of regulatory bodies (excluding RBI) set up under Acts of Parliament
    • Officers and employees of the Supreme Court
    • All employees of Defence Forces

    Also Visit – Key Highlights of 7th Pay Commission Report: Salary to go up by 23.55%; allowances by 63%; pension up by 24%

    The Commission is mandated to make recommendations based on current:

    • Pay structure, associated benefits and existing retirement benefits.
    • Economic conditions prevailing in the country and fiscal prudence.
    • Adequacy of resources to meet various welfare measures and developmental expenditures.
    • Impact on State Government finances as most states adopt recommendations made by the Commission with some revisions as per their priority.
    • Best global practices and adopt the same.

    Pay Commissions Over the Years

    Stakeholders have been debating the level of salary increase expected prior to each Pay Commission recommendations.

    The First Pay Commission chaired by Srinivasa Varadachariar, was formed in January 1946 and submitted its recommendations in May 1947 to the then interim government.

    The Second Pay Commission in August 1957 and submitted its report in 1959. The Pay Commission was headed by Jagannath Das and its central theme was to ensure smooth government functioning by recruiting persons with minimum qualifications, to give more people an opportunity to join government services.

    The Third Pay Commission. headed by Raghubir Dayal, was established in April 1970 and submitted its report in March 1973. Coming in the wake of an expensive war with Pakistan, the Pay Commission made its mark by adopting a different approach from the first two commissions, which focussed on pay being kept at minimum subsistence levels. The commission, for the first time, referred to the need of ensuring that the pay structure incorporated concepts of adequacy, comprehensiveness and inclusiveness to ensure a fair compensation. This approach cost the government Rs 1.44 billion, which was a significant escalation in cost at the time.

    The Fourth Pay Commission chaired by PN Singhal was set up in June 1983 and submitted its recommendations in three phases, over a four-year period.

    The Fifth Pay Commission chaired by Justice S. Ratnavel Pandian was set up in 1994. This Commission left its mark as its recommendations had a major impact on not just central, but for the first time, on state governments. Its recommendations resulted in an increase in central government expenditure, including salaries, pensions and other related costs by 99%, and state governments’ by 74%. The dramatic increase in expenditure created a major controversy with 13 states failing to fulfill their salary obligations and seeking central assistance.

    Amongst other radical recommendations was to reduce the central government staff levels by 30%. The Commission furthered suggested that the government should not fill the 3,50,000 job vacancies. Even the World Bank expressed surprise over the cost escalation and radical level of reforms suggested. The government, however, did not accept any of the recommendations made.

    The Sixth Pay Commission chaired by Justice BN Srikrishna was appointed on 5 October 2006 and submitted its recommendations on 24 March 2008. The Commission made the following recommendations:

    • Special pay scales for Secretary to Government of India posts and Cabinet Secretary.
    • Introduction of four distinct running pay bands, with one running band each for Group ‘B’ and ‘C’ employees, and two running bands for Group ‘A’ posts.
    • Total number of grades running across four distinct pay bands be reduced to 20 from the earlier 35.
    • Defence Forces be allowed running pay bands and grade pay on par with civilians.
    • Introduction of Performance Related Incentive Scheme (PRIS).
    • Pension to be paid at 50% of average emoluments or the last pay drawn.

    Controversies Regarding Seventh Pay Commission

    Inter-service rivalries extend to salaries and benefits received by certain services. There is widespread resentment against the IAS officers, who are seen to be favoured by most pay commissions. The Indian Revenue Service has raised objections to an IAS Officer being included as part of the Seventh Pay Commission since there is no representation from their side. The IRS lobby believes that they have a right to be on par with the IAS since the revenue for the government is collected by them.

    Same stands true for the Defence Forces. For many years, the senior most positions in all three forces have been downgraded progressively, in terms of promotions, salaries and benefits, while the IAS lobby has progressively increased its stature, promotions, emoluments and benefits, as compared to what senior Defence Officers received.

    Furthermore, the Defence Forces have a long standing demand (and rightly so) for a representation from the Services on the Pay Commission, especially since the role, responsibilities and risks of work are unique to the forces and thus require a qualified representative who understands the nature of work and can thus make suitable recommendations on the basis of that. This demand has been strongly resisted by the IAS lobby all these years.

    It remains to be seen how the present government deals with demands of its employees from different arms when setting up the Eighth Pay Commission subsequently.

    Macquarie India: Seventh Pay Commission may be implemented from Mid-2016

    Macquarie India has said that the seventh pay commission is likely to be implemented from mid 2016. Rakesh Arora, Managing Director and Head of Research of Macquarie India said that it is still uncertain that the new pay commission will be implemented in next six months as the 6 th pay commission took 2.5 years to be implemented.

    Report on Seventh Pay Commission to be submitted on 19 November

    As per sources, the recommendations of the 7 th Pay Commission are likely to be submitted to the Finance Minister on 19 November 2015. It is also believed that the new Pay Commission is likely to hike salaries of the central government employees and pensioners by only 15%, which is much lower than the 35% hike implemented in the 6 th Pay Commission in 2008. The 7 th Pay Commission came into effect from 1 January 2016.

    Seventh Pay Commission Likely to Increase Salries by 40%

    As per an analyst from Credit Suisse, the seventh pay commission is likely to raise the salaries of the government employees for about 40%. He also said that as one –third of the middle class are employed in government job, the hike will boost “discretionary spending”. He also added that the hike will boost the real estate market especially in Tier 3 and Tier 4 cities.

    Rs. 70,000 crore provisioned for Seventh Pay Commission in 2016 Budget

    A top finance ministry official confirmed the allotment of Rs. 70,000 crore for Seventh Pay Commission in the Union Budget 2016-17. The sum would be used for implementation of Seventh Pay Commission for all government employees. It is estimated that the implementation of pay commission report would cost the government, a sum of Rs. 1.02 lakh crore.

    For further information on 7th pay commission, please log onto official website. http://7cpc.india.gov.in/

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