Associateamp#039s Degrees vs. Bacheloramp#039s Degrees

May 12th, 2015 by admin

Feeling the effects of a recession, more and more people have realized the benefits of having a solid educational background, especially in the face of economic crisis of this magnitude. According to the U.S. Bureau of Labor Statistics, 70.1 percent of high school graduates were enrolled in colleges or universities in October 2009.*

At the same time, not everyone has the wherewithal to spend five to seven years on higher education. For those who want to fast track into fruitful careers without compromising on college education, Associate’s and Bachelor’s degrees offer the perfect start. Here is some information on both types of degree programs:

Associate’s Degree: This degree is the lowest in the hierarchy of post-secondary academic degrees. It is awarded to students who have completed two years of study in a particular field. The degree is usually offered by private, community, and technical colleges as well as some Bachelor’s degree granting colleges and universities.

Average Annual Income: $33,838**

Best Suited for: Associate’s degrees are best suited for entry-level jobs in a variety of fields such as nursing, respiratory therapy, graphic design, computer programming, medical specialties, and many other professions.

Pros %26 Cons: The biggest advantage of an Associate’s degree is the relatively short amount of time needed to complete it. This two-year college degree qualifies individuals for many white collared jobs that would not have been open to high school graduates. The other benefit of an Associate’s degree is that it is less expensive than a four-year Bachelor’s degree. Apart from saving on tuition fee, students also save money on boarding, fuel, car, books, etc. An Associate’s degree prepares the ground for future educational pursuits. Students have the option of applying their Associate’s degree credits to a Bachelor’s degree.

But Associate’s degrees have certain drawbacks when compared to Bachelor’s degrees. First, they put you at a disadvantage when you compete for the same jobs as baccalaureates. Second, your earning capacity is definitely lower than those who graduate with a Bachelor’s degree. Lastly, moving up the ladder to supervisory or managerial positions may be difficult without a higher degree.

Bachelor’s Degree: This is a degree awarded by a post-secondary institution to students who complete an undergraduate program that generally lasts for about four years.

Average Annual Income: $47,853**

Best Suited for: Bachelor’s degrees are best suited for careers in accounting, computer software engineering, healthcare administration, business management, and many other high profile, white collar jobs.

Pros %26 Cons: A Bachelor’s degree generally increases your job prospects, as some positions are only open to those who have this degree. Your earning potential also goes up with the level of your degree. Graduates who have a Bachelor’s degree find it easier than those who hold an Associate’s degree to rise up the ranks and take up roles with higher levels of responsibility in their respective fields. A Bachelor’s degree gives you a wide knowledge base and expertise in your area of study, and you are likely to be treated as a serious professional if you have completed a four-year degree as opposed to a two-year one.

The biggest disadvantage of a four-year degree is the cost, as a Bachelor’s degree tends to be more expensive than an Associate’s. Since it also takes a longer duration to complete, you end up spending a lot of money on rent, car, fuel, books, etc.

Both degree programs have their advantages and drawbacks, and one must make a decision based on their personal goals, expectations from education, and available resources.

*Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook

**U.S. Census Bureau

CollegeAmerica® was established in 1964. It has six campuses with comfortable facilities in Colorado, Wyoming and Arizona. It has trained generations of graduates for new careers in high demand jobs through its high-value accredited degree programs. CollegeAmerica offers undergraduate degree programs in healthcare, business, graphic arts and computers. Flexible online programs are offered through its affiliated institution, Stevens-Henager College Salt Lake City/Murray.

Benefits of Quality Lead Generation Services

May 12th, 2015 by admin

The increased competition generated by globalization ( target market is US ) and the better-educated consumers as a result of access to more information have turned the process of generating sales into a real challenge. We are also witnesses to markets that are more segmented than ever, which means that differentiated messages to buyers are more and more difficult to send. The result of this phenomenon is that enterprises and businesses are turning to quality lead generation services for help.

Companies of all sizes select quality lead generation services both domestically and abroad. These services assist companies in augmenting resources with the purpose of increasing sales and fostering stronger brands. Sales pipelines are built very effectively when it comes to costs, and it is up to your staff to close the sales. Such quality lead generation services include marketing services and sales services.

Leads can be generated in a variety of ways, such as using dialing systems, but quality lead generation services should be based on a variety of methods, including email marketing, banner ads, affiliate publishers, pop ups, and so forth. These services are meant to ensure that applicants who are looking for your type of services or products on the Internet become your new customers, as targeted websites are usually at the basis of lead generation.

In pretty much the same way, any credit repair company can purchase credit repair leads in order to ensure viable prospects. A good alternative for a source of credit repair leads is an Internet Lead Generation company.

What are the benefits of purchasing such leads from an online business?
The most notable advantage is that applicants who are searching the net for credit repairs and come across your offer are very likely to become your customers, as they are definitely not toying with this idea or simply looking for information on credit repair, but are really interested in improving their lifes by escaping the trend of ever sinking deeper into debt. If they have come as far as filling out an online form to get credit repair from a specialized company, you can already think of them as your customers.

Both companies and customers can benefit from the information provided by credit repair leads. Companies use credit repair lead generation services to get customers who are in need of the services they provide, while customers may use the credit repair leads services to come across agencies that can help them fix their financial problems.
Any individual consumer may face some sort of problems or issues and the vital tools in repairing them are the credit repair leads.

How does this process work?
It’s quite simple actually. The consumer uses the credit repair lead services to provide information, and this information is transmitted to specialized companies like yours. This is how the leads become available to credit repair companies, based on the information provided by the consumer. This information has to be both financial and personal, and above al it must be complete and relevant, in order for the customer to receive the best possible assistance.

Credit repair leads represent a quick and inexpensive way of finding potential customers for companies that are in these services. Both financial agencies and individuals can benefit from these wonderful opportunities.
These services will enable companies to create a close relationship with their potential customers, on the one hand, and, on the other hand, customers will have their financial problems fixed which will result in referrals and more clients. One such company, specializing in Credit repair Lead generation is Low cost Solution LLC, you might learn more about their services by visiting them online.

For more resources about Quality lead generation services or even about credit repair leads please review this weblink:

For more resources about Quality lead generation services or even about credit repair leads please review this weblink:

Loan Modification Firms The Top 11 Questions to Ask Before You Hire A Professional To Negotiate With Your Bank

May 9th, 2015 by admin

Most homeowners that are experiencing financial difficulty have probably heard of loan modifications by now. In the past year or so, loan modifications have gone from being a little-known niche industry, to one of the most controversial topics in real estate and in America today.

As soon as homeowners falls behind on their mortgage, many are immediately swarmed by mail and phone calls from ‘foreclosure rescue’ companies. Pundits on TV cry out such as: ‘call your lender to negotiate. They want to keep you in your house…’ Or better yet, ‘help is freely available from the government!’

Obviously, these same so-called pundits haven’t experienced luxuries such being on hold for over 2 hours with loss mitigation at Bank of America before getting disconnected, or other realities of the current mortgage crisis.

The reality is that homeowners who have tried to get their own loans modified or use so-called ‘free services’ have been met with frustration, deceit, incompetence, bureaucracy, and failure due to a system which is rigged to favor the banks, not the homeowners.

My Personal Experience with Financial Hardship and Loan Modification

I speak from personal experience. Hurricane Katrina wiped out my real estate business and I had to do my own loan modifications. I spent over 2 years trying to get insurance claims paid on damaged properties after hiring several attorneys, public adjusters, and engineers.

The irony was that lenders only allowed a 6 month grace period and they wanted their money. 6 months and 2 years left a bit of a gap as you can imagine. I scrambled not only to rebuild my business, but also to save my own home after this catastrophe.

I learned a very hard lesson after the events following Katrina. The banks are definitely not looking out for you. Having a professional on my side would have leveled the playing field.

Former Subprime Brokers Swoop To Take Advantage of the Mess They Created

While government help has been ineffective, many former subrpime mortgage brokers have swarmed in to offer ‘loan modifications’ to desperate homeowners. These individuals have not only scammed homeowners who were already in financial desperation, they have tarnished an industry that serves a vital role in getting our country out of the mess that is in.

This report is dedicated to help those that realize that hiring a professional loan modification firm with a track record of success, is their best solution in keeping their home.

My guarantee to you: after reading through these eleven questions, you will be confident on how to evaluate a potential loan modification firm, and to seperate the scammers from the professionals who can actually help you keep your home.

Ready? Let’s get started.

1.) How long has the company in question been representing clients for loan modifications?

While the fact that a company is new by itself doesn’t necessarily mean that you are going to get a bad modification, you’re less likely to be scammed if the business you are dealing with has some sort of track record.

If it is a brand new company, or they just started doing loan modifications, you want to use more caution. Even attorneys and law firms are no exception to this rule. Law firms have been hit by the downturn as well, and as they have seen their billable hours reduced, some scramble to find work in other areas such as loan modifications.

Whether they are actually competent enough to get a successful modification done is a different matter, and they must be evaluated as stringently as any other company.

2.) What is the loan modification company’s success rate in achieving successful loan modifications?

Most loan modification firms will claim to have above a ’90% success rate’.

If the company can’t tell you their success rate, this is an immediate red flag and you should run, not walk the other way! Ask yourself: if you were in a service business like this, would you take the time to know how many loan modifications you had taken on, and how many had been approved?

Second, you need to dig further when a company gives you their so-called ‘success rate’. What does that mean? That the company got a modification with a payment higher than before and the homeowner defaulted 3 months into it – is that considered a ‘successful modification’?

The definition you should hold of a ‘successful loan modification’ is where the borrower is able to keep their home. Any loan modification company that takes fees after they have a client’s budget and knows they can’t afford the payment, is inherently unethical.

If the loan modification company can’t give you a solid idea of what their real success rate is in getting quality loan modifications done that allow the borrowers to stay in their homes at their current income level, then you need to look elsewhere.

3.) Do you have recent examples of successful modifications you have done?

The loan modification company should be able to produce some documentation of the work they have done. Since the loan modification documents contain personal financial information, you may see the specific new terms such as interest rate and fixed term, but not the homeowner’s personal information such as name, address etc.

If the company cannot produce examples, or they reply ‘…well I haven’t done any yet but I’ve been a loan officer and a real estate agent for 3 years, how hard can it be?’, let someone else be their guinea pig. Saving your home is too important of a task to put in the hands of an amateur.

Also, make sure that the examples are modifications performed by that particular company. A typical scam operation will use ‘generic’ testimonials and loan modifications, or will take the liberty ‘As Seen on TV’ because they talk about loan modifications on TV shows, but not that actual company. If a company cuts corners on testimonials, what makes you think they aren’t going to cut corners when it comes to negotiating with your lender?

4.) What criteria do you look at when deciding whether or not you can do loan modifications?

Examine the answer to this one carefully, and try to get the loan modification company to answer it before they know about your situation. This is a true test of whether they fall into the boiler room category, or a professional advisor.

If the loan modification rep gives a song and dance about how they can do any modification and can save your home no matter what, you know you are dealing with a scam.

A reputable loan modification firm will need to obtain a full analysis and assessment of your hardship, income, assets, liabilities, with supporting docs before they can make any promises, and will be upfront with you that they cannot help every person that contacts them.

Unfortunately, not every homeowner qualifies for a loan modification. If you currently have no income, or any prospects of becoming re-employed in the near future, you may not qualify for a loan modification.

If your lender is not doing loan modifications at this time, you may not qualify. Every situation is different. A competent, professional loan modification company, that does hundreds or thousands of loan modifications each month is going to have a general idea of what lenders are willing to do in terms of modification. These criteria are changing literally weekly, due to the current financial crisis and bailout legislation.

It is up to the professionalism of the loan modification company to not take your fee if they know they cannot help you, or better yet, have a results-based money back guarantee to hold themselves accountable.

5.) How long does it usually take to successfully negotiate a modification for your client?

Today’s lending environment is always fluctuating on a near daily basis, with new legislation being proposed, failed banks, and many other factors. Still, a good loan modification company should be able to give you some idea of how long the process is going to take.

If they duck and run at this question without a clear explanation, you need to give them the finger. (That’s taking your finger and pressing the receiver!)

6.) Does the company offer a money bank guarantee for their services? Do they guarantee that you will have a lower payment than before?

This is a big one. Stories abound of people that were promised the world by a loan modification company, paid a fee of several thousand dollars, and ended up never hearing back from the company.

If a company does not offer a guarantee, or gives an excuse such as ‘ one can guarantee results’, buyer beware. If they do offer a guarantee, examine closely as to what they mean exactly. Some inexperienced loan modification companies do not have the skill to get quality loan modifications done, resulting in payments that are even higher than before!

Bear in mind that loan modification companies take significant risk in offering a guarantee. They are performing a service with up front costs, so it isn’t like returning clothes that they can re-sell.

On the other hand, you as the homeowner are taking a gigantic risk in putting out your hard earned money to do a modification.

You see, by having a strong guarantee, the loan modification company essentially provides a check and balance on whether to take your fee or not – since they know if they don’t do their job, or get a poor modification done for you, they bear a financial risk.

7.) Do they offer a free approval process or is there a charge up front to take an application? If your state requires that a loan modification company be registered, are they?

A good loan modification company will generally not charge an application fee, as their goal is to actually help people get their loan modified and stay in their home, not to collect as many application fees as they can. If a company wants an application fee upfront, you may want to investigate their success record a little more.

Certain states such as California are regulated in how loan modification companies can take upfront payments. However, California ironically also has had more modification start ups in the past 6 months (this report was written in March 2008). Many of them are not registered, are complete scams, and playing a cat and mouse game with the Attorney General’s office.

Others, like Maryland, require that an attorney review the documents. Know the laws in your state before you contact the modification company, and listen to what they say either on the phone or on written materials to test their level of competence.

8.) Will I be kept informed throughout the modification process? Do I have multiple ways to stay in touch on the process – for instance, a way to track my case, phone number, fax number, etc?

You need to have a consistent mechanism to keep track of your file throughout the modification process, ideally a secure website or some form of automated mechanism. If your only source of getting an update on your file is to call and talk to a human, you can rest assured that will eventualy lead to frustration when you can’t get in touch with them.

9.) What other lines of business is the company in besides loan modifications? What lines of business were you in prior to loan modification?

When evaluating a loan modification company, the one thing you need to realize is that the businesses are typically small (less than 100 employees). You want to know what professional credentials and experience they bring to the table.

If the principals in the company just closed the doors of their subprime mortgage broker office that was shut down…it may be a red flag.

Do a Google search and look for the names of individuals involved in the company.

While online forums can be useful, bear in mind that with the anonymous nature of text based sites, anybody (including competitors) can pose as a disgruntled customer…and they often do. Many legitimate companies have been ruined by well-orchestrated smear campaigns on behalf of their competitors. Look at the information, but use caution when evaluating what you see on internet forums.

10.) Will you modify more than one mortgage, and do you offer help with a forbearance agreement, short sale, deed in lieu of foreclosure?  Do you charge extra fees for these additional services?

If a loan modification effort fails, you need to know what ‘Plan B’ is. Even if you can’t stay in the house, walking away and doing nothing is definitely not the right option.

A Deed in Lieu of foreclosure, where you give the house back to the lender, should be your last resort. There are consequences of this action, but they are far less than that of a foreclosure. It will generally leave you with less bruised credit and likelihood of a judgment against you compared to having the lender foreclose.

Some loan modification companies offer alternate services, such as a Deed in Lieu of Foreclosure free of charge if the initial effort to modify the loan is not successful and the homeowner is unable to keep the house.

11.) Do you have any complaints against your company with the Attorney General’s Office, Better Business Bureau, etc?

This is important to know. If a company has complaints it doesn’t necessarily mean they are a bad company, depending on their volume of transactions.

For instance, if a modification company has been in business several years and has processed hundreds or thousands of modifications, a few complaints over several years, is probably not a big deal. However if they started six months ago and already have 30 complaints, then that’s probably a red flag.

If the business is reputable, see how they handled any customer complaints, since every business, if they’ve been around a while, will inevitably have them.

Also bear in mind that the Better Business Bureau rating is VERY subjective – for instance, Best Buy has an ‘F’ rating, and Disney Films has an ‘E’ rating! Ratings also change, so make sure you read between the lines.

Conclusion: We’re currently experiencing an unprecedented era of economic turmoil, and it is unfortunate that many vultures have risen to swoop in and take advantage of people’s desperation.

Hopefully this report has put you in a more empowered position than you were prior to reading it. By applying it to every modification company you look into, you give yourself a much better chance of finding a competent company that can solve your financial crisis.

Remember, while these questions serve as a measuring stick, you also want to take a step back and look into the ‘big picture’ and as the saying goes, ‘trust your gut’. Is the company run by people who are ‘visible’ and put themselves out there publicly using new media tools like blogs and videos, or do they hide behind ‘template’ websites?

Do you get the feeling that they are competent, and that they also truly have empathy for your situation?

No matter what happens, remember that a house is just that…a building. It doesn’t define who you are.

Thomas Jefferson is considered the key author of the Declaration of Independence and one of the greatest presidents and Americans in history, yet few people know that he lived in substantial debt his entire life. He died in deeply in debt and his estate was unable to satisfy it. Should we think less of his accomplishments? No, exactly, and you should not think any less of yourself because of mistakes you may have made. What matters now is what you do going forward.

You can spend time asking yourself ‘why me?’, or you can ask yourself ‘how can I use this challenge to find a way to solve my problem?’ – either way you will get an answer. It is up to you to choose which question to ask.

I wish you success in your search for a solution to your housing crisis.

Todd Wetzelberger is a 11 year real estate industry veteran who rebounded from financial catastrophe after Hurricane Katrina devastated his real estate business. He specializes in issues relating to the foreclosure crisis and loan modifications.

With Todd’s first hand experience as a distressed homeowner himself, he is devoting his energy to help the vast number of financially distressed homeowners who wish to stay in their property, but are failed by the government bailout plan or so-called ‘housing counseling agencies’ like ACORN.

To get the straight facts on solving your own housing crisis visit his website at

The EPA Drafts Legislation To Track and Report Carbon CO2 Emissions

May 9th, 2015 by admin

Mandatory carbon (CO2) emissions reporting is more important than ever as the United States works with facilities to reduce substances known to adversely affect air quality, the climate, and lead to global warming. Most of the known matter that is destroying the earth’s ozone layer and contributing to global warming is derived from manmade compounds and chemicals with high global warming potential (GWP) and commonly known as greenhouse gases (GHGs).

Around the country a comprehensive initiative, which includes mandatory carbon emissions reporting has been introduced by the Environmental Protection Agency (EPA) with the intention of controlling carbon dioxide (CO2) and greenhouse gases (GHGs) that have an effect on global climate change. Unfortunately, some substances like refrigerant gases not only have high global warming potential but they also destroy the ozone layer when emitted into the atmosphere.

The U.S. The Environmental Protection Agency (EPA), working in cooperation with many international governments, reiterate a common message related to the dangers of carbon emissions. CO2 and its unrestricted use will only lead to more environmental damage therefor more regulations will continue to limit carbon emissions in the future. A measuring, managing, and mitigating greenhouse gas emission places the foundation for future carbon emissions trading schemes within the United States. The European Union has worked on carbon emissions reductions as part of The Kyoto Protocol for a number of years. At a meeting planned in late 2009, global leaders in the fight against climate change will rework and redefine the next set of rules to follow The Kyoto Protocol. The U.S. under leadership form President Obama plan to be active participants.

As part of the draft greenhouse gas (GHG) regulations, any organization that uses refrigerant gases or other regulated substances would be required to comply with mandatory carbon emissions reporting. In addition to refrigerant gases, the following 6 chemical compounds all factor into a comprehensive carbon accounting. The Kyoto Protocol establishes legally binding commitments for the reduction of four greenhouse gases; carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), sulphur hexafluoride (SF6), and two groups of refrigerant gases; CFCs and PFCs.)

Refrigerant gases are known to affect the atmosphere and contribute to global warming. Numerous gases are listed in the EPA regulations including nitrous oxide, methane, carbon dioxide, hydrofluorocarbons, perfluorocarbons, nitrogen trifluoride, and ethers. Refrigerant gases, such as hydrofluorocarbons (CFCs), must be managed, tracked, and reported under the existing Montreal Protocol. There is some cross-over between the different regulations that restrict harmful emissions. The good news is any CO2 related tracking will further enhance emissions management practices already in place across an organization.

The EPA’s mandatory carbon emissions reporting plan comes into effect in 2010. Companies must file a first report in 2011 covering the previous year. These requirements cover those facilities with HVAC systems, refrigeration and AC systems, companies that make industrial chemicals, as well as fossil fuels, engines and automobiles. Many industrial chemicals harm the environment by destroying the ozone layer or enhance global warming. The following chemicals, such as refrigerant gases, lead to harmful effects on the environment: chlorofluorocarbons, hydrofluorocarbons, halons, methyl chloroform, chlorine, fluorine, bromine and carbon tetrachloride amongst others.

The U.S. Clean Air Act, in addition to the mandatory emissions reporting by amounts, calls for the facilities and municipalities alike to monitor and track and subsequently report harmful substances, such as refrigerant gases that are in common use. Organizations that either cannot comply or choose to not follow the environmental regulations will be fined by the EPA. On top of regulatory fines, companies may experience a financial loss when they are required to buy carbon credits to meet the cap requirements.

Organizations can comply with CO2 emissions management regulations and reporting in a couple of ways. Monitoring and tracking can be handled manually and the reports completed by hand. However this approach can be very time-consuming and error-prone, and many will opt to use a software program or a web-based application to automatically handle the monitoring and tracking requirements of greenhouse gases (GHGs). Automation helps to ensure that reports are accurate and timely. Service automation or CMMS systems can lead the way to effective company operations. It is more efficient to maintain assets at optimal working conditions and collect relevant carbon related emissions data across distributed enterprises or systems.

Mandatory carbon emissions reporting will definitely lower this country’s greenhouse gas emissions. The government has said that 13,000 facilities are responsible for between 85 and 90% of the harmful substances in the air.

The United States, through the implementation of a mandatory carbon emissions reporting program, ensure that businesses will reduce their carbon footprint and will help to mitigate adverse climate changes in the years ahead. This initiative is being repeated at various locations worldwide with the aim of addressing climate change head on – in as straightforward of a manner with immediate financial incentives to drive rapid and economy wide adoption of carbon reduction and market-based trading.

To learn more effective refrigerant management tactics and the tools that support them, you can contact Daniel Stouffer, the Product Manager for Refrigerant Tracker. This web-based software makes it easy to monitor, manage, and report refrigerant gas usage. Stay in compliance with refrigerant management regulations. Visit Verisae’s

Are You Ready To Get Personal Finance Advice

May 9th, 2015 by admin

As you go through life, getting your finances together is crucial. Even if you aren’t having a problem, it’s important to start getting things in order in case an unexpected event occurs. Here are some great ways to start getting your personal finances together so that you are prepared for anything.

Credit Repair

Don’t bother with store credit cards. Store cards have a bad cost/benefit calculation. If you pay on time, it won’t help your credit all that much, but if a store account goes to collections, it will impact your credit history just as much as any other default. Get a major credit card for credit repair instead.

If you are looking to repair your credit going through a credit repair agency might not be a bad idea. Often times they offer the opportunity to buy something like a flat screen TV in exchange for weekly payments. In this way your credit is slowly restored and you end up with something nice.

Do not believe that credit repair counselors will fully help you. Such a practice is absolutely illegal, and these companies are likely to run off with your money before doing anything to help you with your credit score. This isn’t accurate since there is no similarity to how your credit score is affected to how another deals with credit issues. To claim that they can clear your credit completely is definitely a lie and they are most likely committing fraud.

Your credit score may drop as you try to improve your credit. You may not have done anything to hurt it. If you continue to maintain financial responsibility, your credit score will improve over time.

Stay away from credit repair offers sent to you via email. They promise the world, but they could easily just be a front for identify theft. You would be sending them all of the information they would need to steal your identity. Only work with credit repair agencies, in person, to be on the safe side.

Hiring a credit repair company can help you with some of the legwork involved in cleaning up your credit report, but beware of shady companies that make false or misleading claims. These companies may allege that you can start fresh with a clean credit report by using an Employee Identification number (EIN) rather than your Social Security number. However, they neglect to tell you that requesting an EIN from the IRS for this reason is a federal crime.

If you decide to hire a credit repair firm to help with fixing your credit, make sure you understand what they charge. Many firms charge you by the number of disputes and deletions attempted with no guarantee of success. Try to find a credit repair firm that charges fair and has no hidden fees.

Use these tips to help you organize your personal finances in case of an emergency. Taking care of your finances will help you relax and feel less stressful because you know that you are prepared for any possibility. Getting your finances in shape now is the smart thing to do.

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Credit Card Processor Online – What Is Importance Of Online Credit Card Processor ampamp The Latest Trends

May 9th, 2015 by admin

Virtually any on the internet retail business without Credit Card Processor Online create should consider this to be just as one alternative. Frequently web based business owners feel stressed with the potential client of selecting a credit card cpu for their company. Most of them feel that the particular fees connected with dealing with a web-based cpu are extremely much rather than worth the advantages. If however a person closely weigh all your options you can see that in case you carefully analysis Online Credit Card Processor you’ll find one that meets your company. It will not seem like it although almost any irritation that you just provide your customers on the market point may result in loss in profits. At first this might certainly not appear like a massive offer however, these slight loss can add up to and including considerable decline in revenue.

There are several simple things that that can be done to reduce the options making Credit Card Processor Online headaches free. To start ensure that you don’t get involved with the running organization which will charge an individual costs just to review your software and also get you ready to go. Your next step is to assess the degree of customer support which will Online Credit Card Processor will provide you. Obviously only a few company is the same and many types of include different needs. Accomplished through talking to your merchandise repetition about a quick question at first in addition to testing its effect effort and time to earn your business.

For the specialized area something that is essential to discover is exactly what type of back expert services the Credit Card Processor Online has got set up. If they’re carrying out web server maintenance of in the event that something falls the length of time ahead of its copy system begins. In the event you decide on a company it doesn’t guarantee some sort of backup you can be caught can not method payments for several time. This could seriously hurt business and needs to become tackled severely. You also want to look for as numerous possibilities as is possible if it really involves benefiting from bills. Together with Online Credit Card Processor to be able to settle for assessments simply by web, telephone or maybe fax is definitely a great alternative.

Finally you must obviously think about the tariff of Credit Card Processor Online you will pick. You ought to value this contract charges, designed for situations in the event that within your organization people take care of a lot of slight dealings reduced costs usually are connected with key problem. However if you take care of a lesser number of purchases however with larger fees you may well be trying to find additional features as well. General because tedious simply because this process could it be has to be considered genuine in order for your company to be able to succeed. It is usually a safe choice to match a favorite company that features a proven track file. This post is easily accessible by way of looking at customer supporter sites just like and others. Yet another way to use is to discover popular websites with your market and discover precisely what support they are making use of.

When selecting Credit Card Processor Online many aspects should be thought about beyond the expense. There are several offline and internet-based merchant card account places to select from. You should look at what they’ve to make available and how guide assist your distinct wants. Among the best areas to begin your quest is simply by figuring out in which debit or credit credit cards you want to agree to. Learn provde the option of utilizing straight, nevertheless call for that you build support via one of their own income channels. For example, the places you at this moment loan company Credit Card Processor Online  most likely offers a merchant account and could function as the simplest way to begin your bank card Online Credit Card Processor. Often times merchant service can be found within bundles by using product owner goods that you possibly will not require or maybe work with.

For more information on  Online Credit Card Processor visit my website.  

12 month payday loans it would be the definite solution on your vital cash troubles

May 6th, 2015 by admin

12 month loans are all about solving your cash troubles. Every one of us does alert with these following instant cash issues… debts, grocery bills, school fees, extra luxury, home repair, sudden cash shortage ,no wonder that in our routine life we are bothering with these requirements more or less and for that we need cash as the same moment as we want. You may possibly know about 12 month payday loans.

Imagine one day you need a sudden requirement of cash which you can’t pay back for next few months, on that puzzle state of time, 12 month payday loans came as an instant solution for you and for your unexpected needs. It’s a competitive world, in which a lavishness life style in become a need for everyone and you too having a dream of a luxurious house, electronic, gadgets, car other extra expenses and only a instant cash loan will full fill this need of yours, because a regular pocket have a planed sectors to go like household operating expense, debts, bills education and so on.

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The Economy Fuels Cyber Crime

May 6th, 2015 by admin

According to the Internet Crime Complaint Center (IC3), cyber crime was up in 2008, and if the first few months of 2009 is anything to go by, this trend is not only continuing, it is accelerating.
As the country slides into recession, early indicators for 2009—February to March 2009—shows an additional 50% increase in reported Internet fraud complaints.
“These numbers are shocking, but given that the vast majority of incidents go unreported, the threat of identification theft is actually much more serious than even these figures would lead us to believe,” says Justin Yurek, President of ID Watchdog, Inc. Common wisdom says that only one cyber crime in seven—or about fifteen percent—is actually reported.
Internet fraud includes everything from bogus sales on auction sites such as eBay and classified sites like, to smaller scale version of the Ponzi scheme perpetrated by disgraced New York financier Bernard Madoff.
As an example, a scam recently surfaced via e-mails that masquerade as originating from the FBI and other federal agencies seeking the recipient’s bank account information in order to “help with illegal wire transfer investigations.” Sweet.
The Recession Impact
Many observers put the continued surge in cyber crime down to the recession, and for several reasons.
As reported by the TechArena Forum , McAfee for one, in their annual McAfee Virtual Criminology Report—which examines emerging global cyber security trends, with input from leading academics, criminal lawyers, law enforcement authorities and security experts across the world—identified the following challenges:
The Cyber Credit Crunch — The cyber criminal is now trying to cash in on consumer anxiety to profit from old-fashioned “get rich quick” scams.
Meaning, that there are now people who voluntarily sign up to add malicious code to their websites, lured by the promise of easy money. At the same time, desperate job seekers are being recruited as “money mules” to launder cybercriminal gains under the guise of “international sales representatives” or “shipping managers.”
In addition, with the economic downturn driving more people to the web to seek the best deals, opportunities for cybercriminals to attack are on the rise as people are more easily drawn in.
Governments are distracted — As governments grow more and more preoccupied with the economic downturn, their fight against cyber crime slides down their agenda, inviting more and more audacious individuals onto the cyber crime field.
The Cybercop Shortage — It is a known fact that police forces on the cyber crime front line often lack the specialist skills required to effectively fight these criminals.
Furthermore, the lack of dedicated and ongoing training, sufficient remuneration, or even a clear career path, is causing cyber crime specialists to be lured into the more lucrative private sector or even into underground economies.
Criminality Concealed — Eastern Europe, Russia and China have become key safe havens for cybercriminals while Brazil has become one of the fastest growing scapegoat countries for cybercrime. Traffic is often re-routed (and often via Brazil) as a decoy causing considerable misdirection in the origin of attacks.
Information Silo — While law enforcement is bound to physical national boundaries, cybercriminals are free to cooperate across borders.
Law enforcement communication between countries remains inconsistent and limited. Local issues and priorities take precedence over global efforts and international laws are being implemented with regional variations that impede the ability to negotiate jurisdiction and extradition between countries.
This is an environment that plays right into the hands of the cyber criminal, much to the frustration of cyber police.
Microsoft’s Take
As reported by RedOrbit Microsoft shares McAfee’s view that the global recession could prove to be a starting point for an influx of more cyber criminals seeking to use their computer skills to earn extra money.
“Today these (cyber) attacks are no longer about vandalism, they are about cash,” says Roger Halbheer, Microsoft’s chief security advisor for Europe, the Middle East and Africa.
“Cyber crime has gone from cool to cash. And this will definitely grow in the future,” he told AFP (Agence France-Presse) during a recent international conference on terrorism and cyber security in Spain. “At the moment we are still at the cool side. But I’m expecting it to move to the cash side.”
He then went on to add that it is, “one of the things that scare me about the economic downturn because I expect cyber crime to grow.”
Also, the current economic crisis is causing a large number of layoffs, many of them from tech firms, meaning that more and more computer experts will have a lot of time on their hands, but no money. Tempting.
Fixing any and all security issues in software, does not solve the problem for, “Unfortunately the bad guys don’t give up and go away. Instead they increasingly focus on crimes of deception that prey on human vulnerabilities rather than software vulnerabilities.”
A Law Enforcement Perspective
Lt. Rocky Costa, who until recently headed up the Southern California High Technology Task Force agrees. “In fact, law enforcement has always seen a rise in all sorts of theft crimes when the economy goes south. The crooks look to fraud as the best way to separate folks from their money. People are most vulnerable when money is tight and they are looking to save their homes, savings, retirements, and often, their families.
“They become easy prey to the con-artist who has no sense of right and wrong, but knows how to capitalize on human weaknesses. You see the con artist makes a living studying people and their behaviors. They know their success rate will increase as the economy tumbles and/or the recession climbs. Since a vast number of folks use technology daily, it is only natural to expect technology to be another weakness and another method for exploitation.
“Historically, the number of street robberies goes up, along with shoplifting, and burglaries as the money becomes scarcer. Although we have not yet seen these increases at the lab, we fully expect them. However, with the current economy, even government must begin to cut back. When they do, technology based crimes slide down the priority list in favor of these more visible types of theft.
“People need to stay vigilant in the face is despair, holding onto their values and good judgment will be the only way they will be able to fully protect what they have left, until we all see around the corner.”
A Call to Action During the opening keynote at RSA Conference 2009 Art Coviello, President of RSA, The Security Division of EMC, cautioned that the global cyber-threat continues to escalate and online fraudsters are more organized, collaborative and effective than ever. He addressed major forces such as the economy and emerging technologies that are driving the information security industry to evolve and adapt—and how these forces provide an opportunity for “inventive collaboration” to effectively restructure the information infrastructure.
“To combat the cybercriminals requires far more purposeful collaboration on the part of the industry and a strong security ecosystem built around a common development process focused on risk,” said Coviello. “Today’s security technologies are applied as independent applications cluttering the information landscape and leaving perilous gaps of risk.”
Coviello cited three major forces driving the information security industry to evolve and adapt, including:
• the challenge posed by the criminal threat;
• the demand upon enterprises and governments to achieve unprecedented levels of productivity to restore value to the faltering economy; and
• the opportunity to rethink the approach to security based upon emerging technologies and trends such as virtualization, cloud computing and social networking.
According to Coviello, ‘We must embrace a common development process that allows us to create a more secure infrastructure today. Then with an eye on the future we can ensure that the new technical infrastructure is designed around that process, rather than forcing a process around a collection of technologies.
“We must develop a stronger and healthier ecosystem than the fraudsters and ensure the fluid and frictionless exchange of information on which our global economy depends. It’s not about changing the game; it’s about winning the game,” said Coviello.
Educating the Individual
However, it does not matter of safe our hardware and software becomes, if the individual citizen, desperate for money—and reaching for digital straws, as it were—believes that perhaps this Nigerian Prince really does exist and really does want to spit his $2 Million 50/50 if only he were to help him.
And by the same token, scouring the Internet for the best deal, and finding some that are (in fact) too good to be true, he may pounce on them, not only losing his money in the process, but also his credit card number and other private information.
The same holds true for many “work-at-home” opportunities that only require a small $300 payment for the material you will need to make “thousands a week from your kitchen.” You’ve seen them. Well, as often as not, you will not even receive the material, and by the time you’ve wised up, your card has been charged, your money gone.
The time to wise up is now.
Internet Commerce Made Safe
As we all know, at least during some of our more rational moments—the “too good to be true” deal is often precisely that. But that is not to say that there are no good deals out there. In fact, the Internet is probably the marketplace that to a large extent will pull the economy out of its slump, precisely because it is replete with good deals and true opportunities.
But how to tell the good from the bad?
According to the IC3, the best way to guard against Internet facilitated scams is to stay informed. Keeping informed of the latest scams on the Internet may enable Internet users to recognize and report these scams instead of losing money or their identity information in one of them. To learn about the latest scams, they recommend periodically checking the IC3, FBI, and the FTC websites for the latest updates.
Additionally, the IC3 and its partners have launched a public website, “,” which briefs the consumer about various consumer alerts, tips, and fraud trends. Pay it a visit. Make it a habit.
Also, when it comes to online auctions, and the potential of non-delivery of goods that you’ve paid for, the IC3 makes these specific recommendations:
• Make sure you are purchasing merchandise from a reputable source. As with auction fraud, check the reputation of the seller whenever possible, including the Better Business Bureau.
• Try to obtain a physical address rather than merely a post office box and a phone number. Also, call the seller to see if the number is correct and working.
• Send them an e-mail to see if they have an active e-mail address. Be cautious of sellers who use free e-mail services where a credit card was not required to open the account.
• Investigate other websites regarding this person/company. Do not judge a person/company by their fancy website; thoroughly check the person/company out.
• Be cautious when responding to special offers (especially through unsolicited e-mail).
• Be cautious when dealing with individuals/companies from outside your own country. Remember the laws of different countries might pose issues if a problem arises with your transaction.
• Inquire about returns and warranties on all items.
• The safest way to purchase items via the Internet is by credit card because you can often dispute the charges if something is wrong. Also, consider utilizing an escrow or alternate payment service after conducting thorough research on the escrow service.
• Make sure the website is secure when you electronically send your credit card numbers.
Bona Fide vs. Fraudulent Online Escrow Companies
If you have found a good online deal and are now ready to purchase, it would serve you very well to take IC3’s recommendation and engage an online escrow service.
The problem is that while there are several bona fide online escrow sites, they are nowhere near as many as there are fraudulent ones.
So, how can you be sure that the escrow company you’re considering using is in fact what it says it is?
You must research it. First, do a WHOIS search on the domain. This will show you how long the site has been up, where it is being hosted, how many times the site has been taken down. These are clues. If it smells fishy at all to you, go elsewhere.
Then Google the name of the escrow company to see what gives. This will lead you to forums and other articles. Study them well.
Then, when you have found a site that appears legitimate, travel the extra mile and take one of several additional steps:
• Firstly, while fraudulent sites can buy the necessary certificate to make it a secure site, they seldom do;
• Secondly, you can check at to see if the site you have decided on is listed as a fraudulent site by them; they also maintain a list of bona fide sites;
• Thirdly, you can call the site’s customer service department to make sure they are based in the United States. If you have any doubts about that, ask them to call you back, and check the caller ID—if it is an international call, beware. Also, if the site does not have a customer service department, again, beware;
• Once you know that you’re talking to a U.S. based service department, ask any questions you can think of to ensure they are legitimate, such as which bank are they using for their escrow accounts, and who is their main contact at that bank (whom you can then call to verify that this online escrow company does in deed have an escrow account there);
• If the answer is a well-known American bank, and if the customer service rep can supply contact information at the bank, you are 99% there. Then, if you want to reach 100%, make that final call to the bank to rule out any vestige of doubt.
Now you have found an online escrow company you can trust; register with them and enjoy your purchase.
To make your life a little easier, there is an online escrow company with the credentials to put your mind at ease.
Licensed by the state of California—as well as by the States of Idaho and Arizona, who require separate licenses— is the only on-line escrow company credentialed to serve every state in the Union, and who indeed does so 24/7.
While will handle transactions of any size, it may not make financial sense to turn to them for low cost items since their transaction fee is $25, and their commission is $63 per $1,000 value of the transaction if payment is by credit card and $32.50 per $1,000 for wire transfers.
But, if you value your sleep, would be indispensible for any transaction of $250 on up.
While is gaining increasing recognition as the Internet escrow company to turn to for peace of e-commerce mind, their staff, on a daily basis, also hunt and diligently work to shut down fraudulent impostors, which are encountered daily.
And they spring up like mushrooms, these impostors: there are days that staff discovers as many as ten new such sites.
The good news is that as these sites are tracked down, authorities are alerted and the sites are soon off the air.
Bay Weighs In
To quote the biggest online auction site of them all, eBay: “Pay safely – beware of fake escrow services when you consider using them to pay for your eBay item.
“For eBay transactions, you should use eBay’s only approved Escrow Company:” Customers Weigh In
Zan Christensen operates a small craft mall and recently completed the sale of a domain name using
“This transfer was the most convenient and easy to accomplish sale I could have imagined and hoped for, and the most pleasant surprise of how the process moved so smoothly and quickly! Other companies would do well to follow your business model—service, integrity, excellent help access and communication, and most importantly—safe!”
When asked how he came by, Zan says, “I went online and did some research on third party escrows, and I kept seeing over and over and over again: It kept coming up in multiple discussions, and of course it is recommended by eBay and a whole bunch of domain name companies, selling companies.
“To make a long story short, after researching half a dozen other third party escrow companies and going through their websites page by page and reading thousands of paragraphs about how they operate—everybody is a little bit different—I settled with because I felt it was the safest and I saw that they are very structured, very organized and everything was step by step and validated and verified before the next step is processed, and it worked out great.
“And I definitely picked the right company: The ease of the interface between me and the site in setting up an account; the ease of creating a new transaction, setting out your parameters for the deal, and getting the other party to agree to them: it was so convenient.
“And fast. I received the go-ahead to transfer the name at 7:30 in the morning I had money in the 2:30 that afternoon.”
Elliot Silver buys and sells domain names, and specializes in developing GeoDomans. “ is trusted by non-domain professional and domain professionals alike, they are easy to use, and it’s quick to do a transaction through them.”
When asked what he would recommend you do to establish’s credentials, Elliot said, “For one, they should know that is one of the very few online escrow companies that are approved to do business in California. Then I’d suggest that they Google—such as “ Review” or “ eBay”—and read the articles. That will dispel any fears.
“Also, they’ve been around for a long time, and they own the category. It is the industry-defining domain name. That’s who they are, and that is what they do. They are recommended by the biggest companies who do not handle escrow themselves. They all recommend as a third party.”—A Soon-To-Be Household Name
As gains further and further recognition on its way to become a household name, it gets harder and harder for impostors to defraud the public for the excellent reason that they are not—the only name you know you can trust.
Here’s to good and safe Internet deals.
Ulf Wolf, based in Coeur d’Alene, Idaho, writes about cybercrime for

Coeur d’Alene, Idaho-based Ulf Wolf writes about cybercrime for

Is Your Credit Card Debt Killing You Slowly

May 6th, 2015 by admin

Does the stress and strain of trying to make ends meet month after month continue to worsen? And if you’re behind, you know how the constant collection of letters and phone calls can really get you down. If you enjoy this type of abuse then read no farther. If you’re ready to do something about it, the information is here.

What you need to get out of credit card debt depends a lot on how large your actual pile of bills are in relation to your income. If it is still manageable, the plan below is perfect to use as a roadmap to get out of credit card hell.

If you have any or all of these telltale signs

1. Borrowing from one credit card to pay another
2. Always pay minimums on your bills
3. Late payments are becoming more frequent
4. Automatically accepting any credit card offer to increase your credit availability

You may be on the credit card companies fast train to consumer finance Hell. The financial institutions were successful a couple of years back in limiting your ability to use even bankruptcy to get a fresh start. Add to this their ability to change credit terms whenever they want, and you can find yourself without options chained to purchases long forgotten but still owed on.

If you want to take back control from the creditors and credit card companies, you really need to get our free report on how to deal with this situation.

Don’t allow yourself to continue to sink into debt as the number of options available will continue to shrink until only the worst possible financial scenarios are left. This is why it’s important that if you find yourself heading for serious debt problems that you take control of the situation now

Buying stuff on a credit card is the absolute worst way of getting the product. Understand that a credit card is nothing more than a loan! You wouldn’t consider going down to the bank and applying for a loan then paying their high interest rates every month to buy a CD or iPod. But because a credit card is so convenient, it doesn’t really seem like it’s a loan. Let’s be absolutely clear that using a credit card is definitely a loan and a very expensive one at that.

Realize that any purchase made on a credit card is at the expense of future income. They are loans! Face it, credit cards may be convenient and easy-to-use, but they are also very expensive. While many of today’s credit cards as interest rates and the nine to 14% range, they’re typically designed with a variable rate structure. This means that although you may be paying 14% today, that interest-rate can and will go up sometime in the future. So even if you suspect that you’re carrying too large a credit card debt, think what could happen if overnight the interest-rates go up an additional two to 4% or even more!

The way to get out of credit card debt is to start with a plastic-ectomy. Simply cut up all your credit cards except one to save for emergencies only. An emergency by the way is not a deal on sporting event tickets or a sale at the mall. By removing the ability to add to your debt, you’ve taken the first step in becoming free from all of it.

Abigail Franks has researched debt consolidation options and found valuable information that could help you. On this site find information about debt consolidation loans and other credit and debt options.

How Financial Transparency Ranking will improve Annual Report Contents

May 6th, 2015 by admin

Source Capital and BusinessDAY have come out with an innovative way to improve the level of financial disclosure and transparency in published annual reports. The introduction of a ranking of quoted companies based on the level of financial disclosure and transparency in their published annual reports will improve the contents of annual reports in Nigeria.  

There is no such ranking in the country currently and most companies basically follow the minimum regulatory guidelines in the contents of their annual reports. An evaluation of these contents by analysts who need this information to make an informed investment decision has been largely considered inadequate.  Usually the information in most annual reports are generic, full of platitudes with no in depth explanation of the rational of the business, the risks faced by the business, the strategies put in place to navigate identified risks and forward looking analysis of the company’s position.

Where detailed information is provided, non financial information, that cannot be deduced from the annual report are usually absent. Employee turnover, manufacturing capacity, market share, liquidity position, working capital needs and projections are all information that managers often do not disclose in annual reports. It is to ensure a more detailed disclosure in annual reports, which is the most accessible document, available to all stakeholder interested in a quoted company for their different reason that Source Capital and BusinessDAY have introduced the ranking.

Currently, the FTRA has separate indices for banks and non banks with a separate index for ranking the insurance sector still being worked out.  For banks, the FTRA will cover governance and risk management disclosure in their financial statements.

 The governance section covers disclosures concerning; Board Matters, Remuneration Matters, Accountability and Audit matters. The Risk Management section will analyze the disclosure of banks concerning their Credit Risk, Market Risk, Operational risks, Other risk (Strategy, IT, Legal and Reputational risks) practices.

 Over 100 indices for each area of disclosure have been developed. The sum of points scored by each bank will be covered to percentage scores. The higher the score, the higher the level of disclosure and transparency in the published annual reports analyzed.

The percentage scores will further be converted to an index on a scale of 10 which will be called the Financial Transparency Index (FTI). This index will be attached to the company’s or bank’s listed name on the stock exchange. This will be the indication of the level of financial disclosure by the company or bank, for example if XYZ Bank Plc has an FTI score of 6.5 and ABC bank has a FTI Score 2.5 then any external party looking at this information should easily be able to interpret this to mean that XYZ Bank Plc has a high level of disclosure and transparency in its financial statements than that of ABC Bank Plc.

For none banks, the FTRA will be ranking companies based on the level of their governance disclosures and that of the quality of their Management, Discussion and Analysis (MD%26A). The quality of the MD and A indices have been fashioned based on the exposure draft of the International Accounting Standards Board (IASB) which is in the process of becoming a non binding accounting standard for companies soon. It is quite detailed and ensures that management convinces all stakeholders that they understand the business they are running.  

In future, there are plans to extend this ranking to the public sector to cover state and local governments.

Usefulness of the FTI

Several studies have shown that companies showing a higher level of financial disclosure and transparency in their annual reports are better managed and financially stronger than companies that have low levels of disclosure and financial transparency.

For investors the Financial Transparency Index will thus serve as a good guide of where to put their money. Companies with higher FTI scores will naturally be a better investment choice than companies that have low FTI scores. The FTI greatly simplifies the investor’s decision making process as he or she no longer needs to go through several pages of different annual reports to see companies that are well managed and that deserve his or her earned money. The FTI will greatly simplify the process of investment choices for investors

How it benefits regulators and other stakeholders;

For regulators, the FTI will be an invaluable tool. At a glance, regulators will be able to easily identify companies/banks that pose high risk to the system and increase their supervision and regulatory activities on these companies or banks. Banks/companies with a low FTI score will naturally have a higher risk level than banks with a high FTI score.

Other Stakeholders

Depositors: The FTI will be a good indication of which bank to place their monies as higher FTI scores will indicate a strong bank or company.

Tax Authorities: A higher FTI score will definitely mean that the bank or company is making correct tax returns while a lower FTRA will mean that the bank or company’s tax returns bear further scrutiny  

Suppliers/Creditors: A high FTI score means a company that is in position to pay its suppliers without much difficulty while a low FTI score will mean that company will likely delay payments to its suppliers and may not be in position to even pay its debts.

A credible advisory board has been formed to administer the FTRA.

Finance and communication specialist with experience in banking, research and financial analysis and media. Academic qualifications include an M Sc in Banking and Finance, a Bachelor’s Degree in Finance and professional affiliation to the Chartered Institute of Stockbrokers (CIS level I) and the National Investor Relations Institute (NIRI) United States. Good computer skills- Microsoft Excel, Access and Word-. Won four different merit awards in financial journalism