Category Archives: Marketing Reviews

How to Find an FTC-Compliant Debt Settlement Company

Frequently, debt settlement companies make fraudulent claims to potential clients. They might say: “You will only pay 25% of your debts,” or “This will not affect your credit score,” or “Calls and letters from creditors will automatically stop once you join our program.” These are all false statements, and they will not be made by a company that is compliant with the Federal Trade Commission, an independent agency of the United States government. This article discusses what an FTC-compliant debt settlement company should explain to potential clients.

Before we proceed, let’s look at the difference between debt settlement (also known as debt resolution or debt negotiation) and bill consolidation. A bill consolidation business negotiates interest rates and late fees with creditors. A debt settlement company negotiates lower balances. Suppose that you have $25,000 of unsecured debt with two credit card companies at a blended interest rate of 21%. A bill consolidation business negotiates lower interest rates on the two credit cards. A debt resolution company negotiates a lower balance.

Now, let’s go ahead and explain what an FTC-compliant business should clarify to prospective clients.

An FTC-compliant company should give potential clients an “honest assessment” of their current debt situation. They might say that filing for bankruptcy implies that one is not willing to take responsibility for his/her debts. They might also explain that the new bankruptcy laws make it more difficult for consumers to become debt free than before. They might remind prospective clients that bill resolution has worked remarkably for thousands of people over the years. However, personal commitment is needed to make debt negotiation work effectively.

New FTC regulations prohibit debt settlement companies from charging upfront fees before they begin working with consumers and businesses. A FTC-compliant company gives potential clients a free, no obligation debt analysis, which should include a free debt settlement savings estimate.

A debt settlement business that is compliant with the Federal Trade Commission cannot “guarantee” how much money clients will save using debt negotiation. Results vary from person to person. However, a responsible company will do everything to save their clients as much money as possible. A leading debt resolution business has this statement on their website: “We or your assigned local legal representation will do everything … to save you as much money as possible. Review past settlement letters to get an idea of how we have been able to negotiate settlements with creditors before.”

A trusted company will always have debt settlement letters and client testimonials on their website. How can anyone gain confidence in a business that does not provide any of this vital information?

An FTC-compliant company should make it clear that collection calls and letters might continue during debt resolution. A bill negotiation team normally sends out letters to creditors notifying them that a client has asked for debt help. However, this cannot stop “lawful collection activities.” In spite of this, many people report that phone calls and letters from creditors and collection agencies stop or decrease once they have sought debt relief.

Outsourcing Web Development Company

Outsourcing is when you contract out your work to any other company for a large period of time. The party which gets the work is responsible for finishing the work successfully. When a firm outsources its business function to another firm, it does so to concentrate on other core aspects of the business.

Finding the right web development company for your project can be a daunting task, with development companies becoming smaller and more widespread, even a simple local search may return hundreds of possible providers, so how do you go about choosing the right company, with a degree of confidence they have the rights skills and experience to deliver your project on time and on budget.

Similarly a company which wants to outsource web development to another company, it does so to make it more profitable than doing the work in-house. The reasons can be many. We can take some scenarios and see how businesses can benefit from outsourcing to a web designing company or a web development company.

Consider a web development company in a country like India, USA. They are approached by a client for a project to be done using a latest technology in which they don’t have the expertise. Now the firm has to either let the client go or outsource web development to another firm who have the required expertise. That way they not only get a client they also manage to broaden their services if they strike a successful relation with the web firm they outsourced their work to.

Once you have sent out your brief the response can tell you a lot about the professionalism and competence of a company.

If they outsource the work to an offshore web development company, they will not only save on these costs but will also get the work done at a fraction of cost they would be charged for in their country.

Safety Consulting Firm – we salve safety problem of worker

Safety Consultant is to enable employer to protect employees and workers through practical applications. Safety Consultant should provide clients with insight and professional advice that is required to meet the demands of today’s ever-changing health and safety regulatory environment.

Benefits to Hiring a Safety Consultant

* Reduce overhead costs

* 100 percent business expense (deductible)

* Service available either as needed or specified by contract

* Training available for employees when required

* OSHA intervention service available by someone who has experience dealing with the agency,

can negotiate on your behalf, and can save you some serious expense, should you be fined

* Pre-OSHA inspection service and recommendations to correct potential problems at your site

* Up to date on safety regulations

* Available to check current safety manual and upgrade as required or write a new safety manual

specific to your company and industry

* Can set up and check OSHA-required paperwork for construction subs on the job site

Safety consultants are hired by companies, government agencies and consulting firms to help businesses address safety concerns that could potentially affect employees, customers and the general public. They work in a variety of settings, from mines to factories to construction sites.

Safety consultants should look for biological, chemical, physical or radiological hazards in the workplace. They also look for sources of potential injury to those at or near the location.

Additionally, they make sure that businesses put safety equipment in place and maintain it once it is set up.

If an accident occurs, safety consultants will investigate the situation to look for safety violations.They also will determine how to correct safety problems.

In addition to finding and solving problems, safety consultants predict problems by calculating risks and examining data from safety records, as well as industry data.

Our company is a Industrial Hygienist which is providedSafety Consulting Firm.

Loan Modification Process – A Waiting Game

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

A Famous Female Entrepreneur Who Made a Difference

One of the best female business owners in the history of the united states is Mary Kay Ash. She’s got a foundation which was put in place to help end cancer and physical violence against women. The foundation is run on donations and aims to coach women while struggling with cancers like ovarian cancer, endometrial cancer, and breast cancer.

Some of the prizes that she won include things like being called one of the most influential of business leaders in the past 25 years by Wharton School of Business and PBS in 2004. She was given the Women’s Advocacy Award by the legal services firm in North Texas and a book feature in 2001. In 1999, she was profiled by Forbes within their great business stories feature.

There’s lots of people in the heritage of the usa that did great things for the people while setting a great example. Mary Kay Ash was one of those people. She was able to earn multi-billion dollar success while ensuring to give to the city. In reality, she was noted for her unwavering ideals, belief in women, and her generous heart.

She kicked the bucket in 2001, but her heritage endures through her foundations created to fight cancers and violence towards women. Some of the most frequent kinds of cancer that impact women are breast cancer, which one in eight is going to be diagnosed with, endometrial cancer, which one in 40 gets, and ovarian cancer, which one in 72 gets.

Cancer is something that affects both men and women and cash that’s given to that purpose is cash wisely spent. There are lots of different foundations for doing this, and one of which is the Mary Kay Foundation. It was started in 1996 and seeks to assist women that are inflicted by physical violence or cancer.

Most are familiar with her makeup line, giving people the chance to be entrepreneurs or just earn extra money on the side. Of course, it’s not only for those that want to begin a business. They make superb high quality makeup and beauty items which have stood the test of time for a reason.

If you are someone that has long been enthusiastic about beginning your own business and you have no idea where to begin, you should consider looking into Mary Kay products. They supply top quality beauty and makeup supplies that women revel in using. They even design skin care and sun care products for men too.

You’ll find reasons why selling makeup is a secure type of business to start. The main is the fact that there will always be a need for it. Women will usually want to look and feel beautiful, and they love having large amounts of beauty products to do that with. So if you are someone that enjoys speaking with people and can manage your time well, it might be a good way to go.

Find Experienced DUI Atlanta Lawyer at a Registered Criminal Law Firm

If you or any of your relative has been accused of any crime, then you need to speak experienced and skilled lawyers including experienced DUI Atlanta lawyers. It is a fact that after finding involved in any case or your name is found in any criminal case, then your future becomes uncertain. Things become critical when you are placed under arrest. Moreover, failure to act in the best interest could result in disastrous consequences for your finances, your family and even your freedom as well. Some of the criminal and other cases include DUI, license suspension, drum crimes, theft and shoplifting, federal crimes, juvenile crimes, sex crimes, misdemeanors, probation violations, firearms and gun offenses, domestic violence and white-collar crimes.

As far as juvenile crimes are concerned, they can convert the entire life your children. Therefore, it is important to seek immediate solution for them from a reputed law firm. Calling experienced lawyers and attorneys is the first and foremost need, if you or any of your friend, relative, family member or colleague is charged against any case. Leading law firms not only provide you legal advice and assistance, but also provide you some added services. They take your needs to seal or remove your criminal records very seriously. They understand the impact of record, even when not convicted. Apart from this, they also make on your professional and personal life. However, before hiring the right professionals, it is also important to keep some essential points in mind. You should ensure that the professional lawyers are from a registered and reputed Atlanta law firm.

Find the Right Atlanta Criminal Law Firm to Get the Right Solution in Criminal Matters

Among a number of acclaimed law firms in the United States of America, the name of Rayasam Law Firm P.C. comes on the top. Having been on the forefront for last many years, the leading Atlanta criminal law firm is all set to exclusively help clients handle criminal legal matters successfully. Lawyers at this leading firm work with the same approach to each case along with focus on specific strengths and challenges of particular case and craft a detailed plan for resolutions. There are a number of added benefits of reaching at this acclaimed site. Find a reputed and registered Atlanta Law firm from where you can hire experienced DUI Atlanta lawyers. The Rayasam Law Firm PC is also one such reputed law firms in Atlanta Georgia.

Become a Successful Entrepreneur in Your Own Home Wellness Business

The possibility of thriving in a business enterprise seems like a distant dream to many people. This happens because most people are not knowledgeable about entrepreneur success and business. A home wellness business could be the answer.

Most men and women have been taught to be satisfied with working for someone else, which is quite different from being a business owner. Regardless, with simple change in your thinking, the transition from being an employee to entrepreneur can be freeing and even fun. To begin, you have to learn what it takes to be a healthy, happy entrepreneur.

4 Qualities of a Healthy, Happy Entrepreneur

1. Creative and Inventive: You probably haven’t thought of having your own business as a creative opportunity, but it is just that. Enterprising men and women enjoy discovering new opportunities and achieving awesome results.

2. Prosperity Thinking: Having a positive focus and realizing that miracles can happen are qualities of enterprising people that raise them to unimaginable levels of success. Knowing you are on the road to success provides impetus that affects your work ethic and all the people around you.

3. Appreciate Others: Entrepreneurs understand that they succeed because of the people around them, from coming together and helping each other. The joy that comes from interacting, sharing, and assisting others is among life’s greatest gifts.

4. Taking Action: Persistent action is one of the most important keys for succeeding in any enterprise. One key here is to act now. While most people wait for the perfect time to start, effective entrepreneurs recognize that the time is now.

And if you enjoy what you are doing, it’s fun to do what it takes to make it a success. Enterprising people enjoy being members of a dynamic team that’s determined to reach higher reaches of potential and accomplishment.

The idea of working together to achieve a common goal is a time-tested key to success in business and in life. Napoleon Hill taught about the power of the mastermind that’s activated when individuals come together to reach their goals. This approach is as relevant now as it ever was.

With the development of the internet and social media, growing numbers of people are recognizing the importance of cooperation. When you put together all four of these entrepreneur traits, magic happens. They form a sturdy foundation upon which to build your goal of having your own home wellness business.

Paul Zane Pilzner, who was the economist to two presidents, calls the combination of direct selling and the wellness industry the perfect storm of opportunity for our economy. And this rapidly growing industry is effective in any economy. This is also an industry where you can create a home business on your own schedule, with tremendous wealth potential.

Check, If You Are To Get The Financial Aid This Year

A lot of students want to get financial aid. It is quite clear why they want to get it. First of all, it is very rather satisfying to receive money that can cover your education. And to understand that they are given to you because of your outstanding abilities and knowledge.

There are a lot of ways of getting financial aid, as well as types of it. In this article we will tell you about the most popular types of financial aid. So here they are:

Scholarship. It is the most popular and widespread type of financial aid. Also it given more often and to biggest quantity of students (even for a designation of other kinds of the aid). Scholarships are paid in various forms, it can be either a sum of money or a check, or something like that The grant can be paid as periodically, as one time;
Grant. It is a onetime financial aid which is directed on the certain goal. As a rule, it provides competition to get it;
The grant for research work (Fellowship). it is the grant which implies that the students who received it must carry out some researching, trainings, etc;
Award. It is a rather small sum. It is paid one time for a winning any competition, and also for certain achievement in educational process or a social life of your alma mater.

As you can see, there are a lot of types of financial aid. Perhaps, you will try to deserve at least one of them. It is really great to be one of the students who receive financial aid. Try to be one of those who are marked with the aid. Besides, receiving financial aid because of your research work is also great, as this financial aid is paid by private funds and organizations, you can continue your research work being employed to the company which once paid financial aid for you.

Can My Small Business Afford Franking Machine Prices

An Efficient Mailroom Can Help Grow Your Small Business

Enterprises often waste money on mail even though franking machine prices are low, and its computer interface can streamline a mailroom.

Every enterprise needs an efficient method to track costs: how much is spent, and where. Small, medium and large enterprises must all do this and most have franking machines.

Inefficiency wastes money, time and always means additional costs. Even medium and large enterprises often run inefficiently; this is an unnecessary drain on resources especially when renting a franking machine prices can be as low as 15 per month. And in addition, franked mail is 30% cheaper than stamped mail.

Lets Talk About Performance

Franking machines are quieter and more efficient than ever. The technology is neater: they are no longer the hulking eyesores that people expect. They dont take up as much space – for small businesses a franking machines can be a sleek desktop device.

The latest generation of franking machines are a wide range of models to suit any business. Franking machine prices have to reflect a businesss budget and are graded by the quantity of mail the business sends out per month.
A weighing platform makes sure you never pay more postage than you need to, which is one reason why a lot of stamped mail costs the sender more than it should. The weighing platform is controlled from the password protected control centre; here you allocate mail into pre-programmed accounts, eg: public relations department, and can review their account history over a 13 month period.
Franking supplies – ink toner and labels – are as inexpensive as franking machine prices, but you can reorder them using the control panel.

Small Businesses With Low Requirement
If youre a small business with a low budget and requirements you can find franking machine prices as low as 5 per week. Often these include a free trial. NeoPost offer trials of their award-winning Autostamp 2, for example.

Small Businesses With Medium Requirement
Small businesses sometimes send more mail than larger companies – it depends on the nature of their work.
For medium requirements, the U40 is not a bad option at all. It uses digital inkjet technology so can frank a clean logo onto your mail, which is useful for marketing purposes. And if your requirements increase you can attach extra parts many franking machines are scalable, and come with scalable franking machine prices too.

Small Business Blog Tips That Can Make A Big Difference.

Blogs have revolutionized the way that people do business. It seems that all the big companies are making use of blogs to promote themselves and market their products. However, corporate blogs aren’t just for big companies. Blogs can also be utilized by small businesses with great effect.

Setting up a small business blog is easy and has many benefits. They are powerful promotional tools and a great way to communicate with clients.

Here are some tips on using a small business blog:

1. Write Naturally and Honestly

Small business blogs can be more personal than large corporate blogs. It’s best to write in way that feels natural to you. Avoid writing needlessly complex posts filled with technical jargon. Doing so will endear customers and promote conversation, which is what a blog is for, after all.

As with any blog, you must always tell the truth. Blogs should address all issues, be it good or bad. This will ultimately beneficial as it helps builds trust the customers.

2. Post often and Respond to Comments

Remember to post frequently. Provide readers with plenty of content, so that they will keep coming back to your blog.

Comments are a vital part of blogs, providing useful feedback. Respond to reader comments often to build strong ties between them and your company.

3. Promote your business, Promote yourself

A small business blog is an innovative way to promote a business.

A good technique is to document your projects. This is good way to show how capable you are at your profession and to garner trust. This is especially important with small business, where reputations can make a big difference.

Blogs allow for unparalleled interaction with customers. Use this to get closer to clients, and to build bonds of trust. The information gained from readers is invaluable for improving your small business.

4. Be Informed and Informative

Read plenty of other blogs to gain useful information. Post comments and promote your own blog. Be an active part of the blogosphere.

Post links of related information on your blog, and use technology like RSS/Atom feeds to constantly provide your blog with interesting content. This is a great way to promote your business and be informed of everything concerning you industry. Besides informing your readers, it can lead to interaction and possible collaborations with other businesses, all of which will benefit a small business.

5. Search Engines

For those who wish to achieve higher search engine rankings, a blog can be an invaluable asset. The constant updating combined with the right keywords can raise search engine results dramatically.