Creating Professional Flyers for Real Estate Marketing Purposes

The use of professional flyers and mini websites for marketing purposes.Physical flyers are a thing of the past since the development of technology. People have taken to the internet more so these days than in the past. Everything is looked up on the internet before any physical contact is made with the seller. The real estate business is at the forefront of that. Let us now dive into the topic at hand.Many outsourcing units have begun to provide realtors and homeowners with a platform that consists of every tool necessary to market property over the web. Flyers and mini websites play a huge part in marketing a property to attract buyers from a larger biographical area.Physical flyers have gone out of style because they have to be hand-printed and distributed, manpower plays a vital role. The cost of creating a flyer, printing them, and then going door to door to distribute them is high and time-consuming. Whereas creating digital flyers and posting them over the web or doling out these digital flyers via email marketing is the best way to market the property in contention.Numerous online Real Estate platforms provide Flyer templates that can be easily edited for your benefit. Include images, details of the property along with your contact details, and you are pretty much done. This not only cuts costs but also saves a lot of time. The added benefit is it reaches a larger audience and therefore finding potential suitors will be easier and the sale of the property will be faster.Creating mini websites is the same way. These platforms create templates that will guide you through the process of listing a property over the web. Mini websites are far more efficient because they are used to list just one property. A mini website will be created for the sole purpose of marketing one property and therefore the chances of creating a buzz for the same are much higher than listing numerous properties on one website.The inclusion of virtual tours in the mini-site along with the images and other details of the property gives prospective buyers more than they need to make a call on buying the property. Over the years numerous Real Estate marketing tools have come into play but Real Estate Flyers and Mini-sites have taken a step further in selling real estate properties. The companies that provide these services/tools will assist you in creating highly creative flyers and mini websites. They will also help in choosing the right domain for the mini-site along with designing it for you. All you will have to do is provide images and details of the property that is up for sale.I hope this article has led you to understand the importance of how Digital Flyers and Mini-sites have taken the Real Estate business to greater heights in terms of leads and sales.

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Term Vs Other Life Insurance – Weighing Your Options

Life Insurance is a very important component of every individual’s financial planning.In India, life insurance has been predominantly sold as a savings cum tax savings tool. The most important reason why life insurance should be bought is to provide security to our family. Most of the people that we have interacted with are ignorant about life insurance and the type of insurance policies they have purchased. Many educated people either don’t feel the need to buy life insurance policy or buy during the months of Jan/Feb/Mar just to save on income tax.Unfortunately, this results in lot of people treating insurance as an investment not realizing what they are getting into. With heavy dose of advertisements in various media, we are led to believe that insurance is an investment. Most of the agents who make a living selling insurance products sell insurance policies that fetch them attractive commissions.Let us now understand what life insurance is all about. It is simply a contract (insurance policy) between the insurer (insurance company) and the insured. On payment of the insurance premium, the insurer promises to pay the nominee a sum of money (sum assured) upon the death of the insured person. Life insurance is meant to provide protection to the family and loved ones of an individual so that they don’t face financial hardships in case of death of the insured person.Insurance only provides the risk cover. If treated as an investment, the returns are diluted due to high charges. Moreover, you will have to continue paying premium for a very long time. If you come across an agent who says “pay only for 3 or 5 years”, it is a signal to stay away from such types of agents. This is a gimmick used to sell the insurance policies. All the illustrations shown by the agent is only a projection. If you do the actual calculation, you will find that the returns over a very long period of time are anywhere between 6 to 8 percent. This is because of the high agency commissions and policy administration charges. There are better avenues available where your investments can generate good returns beating inflation. This way you can avoid high commissions applicable to various investment plans floated by insurance companies.Life insurance has only one purpose and that is to replace the economic loss in the event of the death of the insured person. Life insurance should protect your family from financial disaster in the event of death. In order to arrive at the sum assured, one needs to consider the following:1) Value of outstanding loans if any2) Future value of expenses such as education of children and their marriage3) Calculate amount of money required to be invested in a debt fund which will generate a passive income for the dependent in your absence. This income should be sufficient enough to maintain a decent standard of living.Remember, the amount of insurance cover you need, may change over a period of time. For most, it declines as the obligations towards the family/dependents decline and the value of investments made in various asset classes grow. At some point, it may so happen that you may no longer need insurance cover because you have become financially secured.If you buy other insurance plans and fail to pay the premium after few years, the policy will lapse. Also if the policy is surrendered, you will suffer huge loss as the surrender value will be lower than the total amount of premium that you have paid.When a 30 year old person can buy pure life insurance cover of Rs. 1 crore for approx Rs. 15000 per annum, why go for any other insurance plan by paying much higher premium and settle for lower insurance cover?Next time you buy life insurance, please research carefully and make sure you are buying pure term insurance for protection to your family and not for the benefit of the insurance company and its agents.

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An Art With A New Life Form: With Digital Music And MP3s!

“Music that gentlier on the spirit lies than tired eyelids upon tired eyes”The act of finding a recluse with your inner-self listening away to the tunes of your favorite maestro has evolved from the archaic vinyl record album to the compact disc and finally the ubiquitous iPods and mp3 players of today. Music is the opium of the listener’s state of mind, thus the same tune could possibly be felt in a million different awe-inspiring ways to represent mind’s momentary fusion of the ambience. With the advent of digital music and effervescent mode of internet distribution, the mp3 players and the iPods have given us this freedom of choice – free from the constraints of listening to what the music industry chooses to limit within the bounds of the magnetic/optico-magnetic media. It’s been a fascinating metamorphosis.The mechanism of how people listen to music has evolved over the generations with the prevailing discoveries in the technology. In 1978, Sony introduced the portable, easy-to-carry along reliable Walkman, making it a hot-favorite trendy gadget for the younger people. CDs and CD players became a reality in 1983, with the advent of the capability of reading small discs by laser beams. Never before had the music aficionado access to such clarity and distortion-free listening experience.The rapid adoption rate of CDs caused the disappearance of LPs and vinyl single records from the industry. The introduction of iPod and similar mp3 players in November 2001 revolutionized the archetypal distribution of digital music for the millions of music lovers. With the new audio compression technology and widespread acceptance of the world-wide-web, mp3 or WMA files could be created and archived in the virtual world, without the fear of wearing out a cassette or scratching a CD.As these hi-tech gadgets have evolved over the years, you could carry along 100′s of CDs worth of music in a device slightly bigger than a deck of cards. According to the Recording Industry Association of America, CD sales fell 22.3 percent by January 2003, and internet music-downloading services such as Apple’s iTunes are expected to have 23 percent of the market by 2008. In October 2004, Apple announced that consumers had so far purchased 150 million songs from iTunes and the company sells about 4 million songs every week.The advent of online music has been the music lover’s boon, but has caused a serious disruption of art-form in the creation of cover art and liner notes for the music industry. The popular art-form of composing an album is probably losing ground as individuals may pick and choose the songs to download and play from the internet.Another significant devious impact of online digital music has been the explosion of illegal distribution of music resulting in loss of royalties for the musicians. If we, the music lovers, can join hands to protect the interests of the artists, digital music has caused the first sprout of music in an organic life-form, freeing this wonderful work of art from the bounds of human control!

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Special Issues in Agreements Involving Outsourcing

The trend towards outsourcing will continue to grow as market pressures force corporations to be more tightly focused on core business functions, gaining competitive advantage and reducing costs. Outsourcing is an attractive alternative in good times and bad times. Shifting back end administrative and business functions to an external provider in good times, may be a means for quicker time to market and focusing resources on core business activities to grow the business. In bad times, outsourcing is a means for streamlining the enterprise by eliminating functions, which create a drag on capital and/or do not provide any competitive advantage.In the current economic environment, concerns over, shrinking margins, liquidity and the
need to reduce operating cost structures is accelerating a trend towards shifting certain
back office administrative functions to outside suppliers. This trend is seen as a major
paradigm shift within enterprises, which have realigned their internal corporate
infrastructure to focus on more strategic areas of their core business.Although the human resources (HR) function is viewed as critical within corporations,
increasingly, small, medium and even large corporations are moving to outsource this
service.The case for outsourcing has three basic rationales. First the regulatory
compliance obligations imposed under ERISA, COBRA and IRS regulations, have
become extremely burdensome and expensive for companies. Consequently, avoiding
major legal problems and financial liability requires substantial investment in resources
and capital in an area outside of the core business of most companies. This makes
outsourcing a viable option even if it does not necessarily result in a cost savings in the
near term. Second, the need to upgrade HR systems and invest in new technology is
increasingly difficult when companies are hard pressed to invest in functions aligned with
the core competency of the enterprise. HR outsourcing service providers are better
positioned to invest in new technologies and software more likely to conform to “best
practices” for delivery of the service. Third, for companies with global operations,
employee self-service can substantially reduce costs and improve employee satisfaction
with the service. However, this requires integration of all processes- HRIS, payroll and
benefits administration- across the entire HR operation including its global ones.Because of the business exigencies driving the shift towards HR outsourcing, the industry
is expected to grow to $37.7 Billion in 2003.
Currently HR outsourcing services fall primarily within three categories: Professional
Employer Organization (PEO), Business Processing Outsourcing (BPO) and Application
Service Providers (ASPs).4
PEOs assume and take full responsibility for the human resources administration,
including the legal liability for the company’s workers. It becomes in essence a coemployer
with final say over, hiring, firing, and compensation decisions. The PEO
becomes a partner, in the non-legal sense, with ownership of the HR function while the
company retains responsibility over all business matters.BPO refers to all business processes and not just HR. Typically this involves transferring
the entire function to a service provider and is differentiated from PEOs because it
usually involves introducing new technologies and processes to bear in the HR service.
Because of the complexity of HR systems in large corporations, shifting to BPO may be
more expensive in the short term. However, long term it can result in benefits because
large HR outsource providers will invest in systems and technology viewed as
prohibitively expensive within a firm where this function lies outside of its core business.The BPO services market is growing rapidly with analyst projecting revenues of $128
billion this year and growth to $234 billion by 2005.Finally, ASPs host software on the web and rent it to users. The most commonly known
of these packages is “People Soft”. The latter application and other packages are used to
manage payroll, benefits, head count and other HR processes.Each of the HR outsourcing services described has advantages and disadvantages for
particular enterprises depending, on the number of employees, affordability of the
service, type of business and the degree to which an enterprise desires to retain control of
this function in-house.This paper will briefly cover the legal aspects of HR outsourcing and will discuss some
of the most common contract issues faced in outsourcing relationships, essential items
that ought to be considered by the parties and key provisions within outsourcing service
agreements.As previously discussed, companies facing pressure to reduce costs or address the
personnel shortages due to corporate down sizing have several different outsourcing
alternatives available to them to delegate back-end administrative functions. Typically,
the first alternative firms look to before looking outside, is to retain control of the
function in-house and reduce employment related costs (taxes, benefits, headcount), by
using contingent staff or (temporary workers) or persons classified as “independent
contractors” (IC) to perform the work. Though this may be an appealing solution for
many firms, given the legal and economic benefits, improper classification of someone as
an IC, consultant or temporary worker, who is later deemed an “employee” carries
serious financial risks.Friction has developed between the growing use of contract workers in lieu of full time
employees and, the public policy aims of providing workers with protections under
federal labor laws to take the Employment Retirement Income Security Act (“ERISA”)
and state law employee remedial measures. In addition to the tax risk of an IRS audit, the
risks are higher today that workers will bring claims for social security, workman’s
compensation or other actions challenging the misclassification, so that they may
participate in lucrative benefit programs provided by the employer.
The case that brought these issues to the fore was Vizcaino v. Microsoft Corporation
(“Microsoft I”) and its progeny of cases. In Microsoft I, plaintiffs, employees designated
as temporary workers or “free lancers”, brought an action against the corporation to
recover savings benefits under ERISA and for stock option benefits offered through a
stock purchase plan, that were available to regular employees.6 The Court framed the
legal and public policy issues in the opinion’s opening statement:
“Large corporations have increasingly adopted the practice of hiring temporary employees or
independent contractors as a means of avoiding payment of employee benefits, and thereby
increasing their profits. This practice has understandably led to a number of problems, legal and
otherwise. One of the legal issues that sometimes arises is exemplified in this lawsuit. The named
plaintiffs, who were classified by Microsoft as independent contractors seek to strip that label of
its protective covering to obtain for themselves certain benefits that the company provided to all of
its regular or permanent employees.”The problems for Microsoft arose as a result of an IRS tax audit for tax years 1989 and
1990. The IRS examined the company’s employment records to determine if it was in
compliance with tax laws. Applying the common-law principles defining the employer-employee relationship, the IRS concluded Mircosoft’s “freelancers” were not
independent contractors but employees for withholding and tax purposes.
In reaching this conclusion, the IRS applied the test set out under the common law of
agency, which requires, in determining if a hired party is an “employee”, consideration of
the hiring party’s right to control the manner and means by which the product is
accomplished. The IRS applies a 20 factor “control test” to “assess all of the incidents
of the relationship” with no one factor being determinative of the employment
relationship of the parties.9 The US Supreme Court reached asimilion conclusion in
Nationwide Mutual Insurance Company vs. Darden party not to adopt the IRS factors
and, instead applied a twelve factors that it considered. In assessing the relationship of
the parties the court decided for determining whether an individual qualifies as a
“common law employee”.Microsoft, on first impression, appeared to have taken the appropriate measures to avoid
stumbling into an employer-employee relationship- the workers were told they were
freelancers and signed various agreements classifying them as independent contractors,
that included provisions that the workers would be responsible for paying their own taxes
and benefits. However, after having taken these steps with respect to the form of the
relationship, the court found that Microsoft had fully integrated these workers into its
workforce, placing them alongside regular employees, sharing the same supervisors,
performing identical functions and working the same core hours. Because Microsoft
required them to work on site, they were given admittance keys, office equipment and
supplies of the company.Even after the IRS determined that plaintiffs were “common law employees”, Microsoft
attempted to use a temporary agency to “house” these workers as employees of the
agency, so that it could continue to use them in the same manner previously described.
On review in Vizcaino v. U.S. Dist. Court for Western District of Washington, 173 F.3d
713 (9th Cir. 1999) (“Microsoft III”), the Court in striking down the District Court’s
modification of the class of plaintiffs, which it deemed a contravention of its order on
remand, rejected the lower court’s assertion that the eligibility for benefits of these
temporary agency workers turned on whether they were employees of the Company or
the agency. The District Court’s view precluded the possibility that the agency and
Microsoft could jointly employ the plaintiff. The Court held that at common law it was
possible for the plaintiff’s to be employees of both the temporary agency and of the
recipient of their services (Microsoft), if, based on a determination using the Darden
factors, an employee-employer relationship existed. In essence the agency and Microsoft
were joint employers and the triangular relationship that Microsoft created was not
viewed as precluding or as being mutually exclusive of a two- party relationship that
existed between the company and the temporary workers. So what are the lessons gleaned from the Microsoft cases?o Review the language in the company’s benefit plans to ensure “covered
employees” is properly defined within the plan and not left to statutory or judicial
interpretation.o The mere classification of workers as independent contractors is not sufficient,
and behavioral, financial and the type of relationship between the hiring party and
the workers must support the classification.o Users of outsourcing services should apply the 20 IRS factors to conduct a selfassessment
of the relationship between the parties.o Consider using only ICs that are incorporated so that the relationship is between
entities and not an individual and an entity.o Ensure that the agreement reflects the 20 factors, so for example: allow the IC to
determine the means and the methods for delivery, limit the agreement to the
project, and ensure the contract calls for the IC to cover its expenses and benefits.o Require that the IC submit an invoice prior to receiving any payments.o Avoid placing IC in situations where work is subject to the direct supervision of a
company employee.o Avoid imposing administrative requirements on the IC, which are applicable to
employees.o Allow the IC to hire and delegate the work to its employees subject to the
requirements of the project.In particular, the fact that a worker is employed by a temporary agency, or similar entity
is not a guarantee against misclassification under the joint employer rule applied by the
Ninth Cir. Court in Microsoft III. If a misclassification does occur a firm may qualify for
an IRS Section 530 “safe harbor” exception if it can show the following:1. Reasonable basis for classification of individuals as ICs based on:o Reliance on a relevant court case, the advice of a qualified accountant or attorney,
or IRS ruling;o The IRS did not reclassify the same or similar workers in a previous audit;o It is standard industry practice to treat the particular workers as ICs.2. Consistently treated same or similar workers as ICs in the past.3. Consistently filed federal tax forms 1099 on these same or similar workers.Outsourcing any critical business function and especially one like HR must be carefully
planned and executed to be an economic and strategic success. HR operations require
trained and specialized personnel to handle complex processes and manage the
compliance responsibilities created under the myriad of federal and state employment
regulations. Outsourcing of this function carries the risk of losing qualified personnel and
a degradation of the function. A firm can ill afford the risk of entering into a relationship
with a vendor whose lack of expertise in payroll and benefit administration causes
disruptions and a loss of efficiency. This may, in the worst case, demoralize the work
force and expose the firm to significant legal liability. Partial success in this area can
mean total failure and the loss of strategic initiative.Contracting of the outsource service is a process which requires inputs from all of the
stakeholders (HR personnel, users of the service, and the management team) and those
persons within or outside of the organization with expertise in the function. Before talks
are ever initiated with a vendor, the key goal is to define the scope of the service and the
performance metrics, which will be applied to measure success. The use of metrics will
be covered in greater detail below in respect to Service Level Agreements (SLAs).Important to both parties in the transaction, is defining the kind of relationship, which
must be established for the arrangement to succeed. If the entire HR Dept function is to
be outsourced then it will be in the interest of both parties to enter into a long-term
relationship that will justify the up-front costs and investments that will be required of
each of them. This type of arrangement as previously mentioned is subject to the firms
particular circumstances, and will probably result in selecting either the BPO or PEO
alternative because of the broad scope of the outsourced service. For the buyer this type
of wholesale delegation is expensive, complex and risky. If it doesn’t work out, the
buyers will incur significant costs and, disruption to the business in replacing the vendor
or in bringing the function back in-house.Typically, total outsourcing of a function is a major undertaking with broad implications
for both the buyer and vendor. In this situation the preferred relationship is one that is
more of a partnership, in the non-legal sense, where the parties view their interests as
mutually benefited by the relationship.On the other end of the continuum is the outsourcing of processes, like payroll, which is
very specific and straightforward and can be executed on a short-term basis.
Normally, in the HR area, firms will retain part of the function in-house, and delegate
those functions to an ASP or BPO, which require major investments in technology or
software. An outside supplier whose core compency lies within function is better able to
absorb the costs, based on economies of scale. This type of arrangement will generally
result in an intermediate term relationship where the parties will have to develop close
collaboration but will not have to incur the high costs, and investment of resources
required in a long-term relationship.Partnership arrangements require provisions that maximize the flexibility of the vendor in
performing the service. Typically because such relationships are appropriate in contracts
with long terms of duration, typically five to seven years, and complex service
arrangements, the approach ought to be less prescriptive with respect to the scope and
level of service.
In shorter-term arrangements more typical of supplier/purchaser relationships, contracts
need to be more prescriptive in defining the scope of the services and the client
requirements.Generally contracts ought to build in some level of flexibility to allow for changes in:business circumstances,
technology
and the needs of the buyer.Transfer of Personnel and Assets:Outsourcing arrangements may require the transfer of assets and personnel to the vendor.
Defining the terms covering the transfer of affected personnel will generally have
important implications for the buyer and its employees with respect to employment or
employment rights. When wholesale outsourcing of groups or functions occur, it is
important for firms to take measures to preserve the general morale, of those remaining
and communicate openly and honestly with those persons transferred under the
outsourcing agreement. Contract terms need to address how the outsourcing of the
function and subsequent transfer will affect benefits, pensions and pay of personnel
moved to the service provider. Consideration should also be given to the rights, if any,
the transferring firm may have to either enforce special terms affecting transferred
employees or the right to retain these employees in the event of contract termination.
With respect to equipment and other assets, terms governing the use by the vendor of any
equipment made available to it by the buyer should specify rights of ownership and other
matters related to the transfer of equipment or other items of value.Defining the rights to intellectual property (IP) is critical in all outsourcing agreements.
Typically the vendor will want to retain rights in any IP developed by it in the course of
the arrangement. The thought being that it is providing a service and not being paid to
develop IP. The buyer on the other hand will want all rights to IP developed based on the
transfer of proprietary or confidential information to the vendor and any work product
developed in performing the service. This issue will usually be resolved through
negotiation.
Related to this are confidentiality provisions, which provide important contractual
protections with respect to each party’s right’s in and use of IP in the arrangement.Services
This is will probably be set out in a schedule and negotiated based on the scope of the
services and the functions or processes that will be outsourced. As stated previously, the
nature of the relationship, partnership or supplier/purchaser will determine how detailed
and specific this ought to be.In any event there should be sufficient clarity and definition for the parties to be able to
set mutual expectations and understand the deliverables that must be produced under the
agreement.
Termination
Defining the terms for exiting an arrangement is one of the most critical issues in an
outsource agreement. Generally, early termination provisions, which set out rights and
applicable penalties due in such event, should be a matter of last resort except in cases, of
material breach or force majeure.Default provisions should set out escalation clauses and a reasonable cure period to
ensure the parties have procedures for resolving disputes and issues related to the
performance of their respective obligations.
There should also be provisions governing the management of the exit. These should
include the vendor cooperation in facilitating the transfer of the service to another vendor
and the return of any equipment or other items to the buyer, which were used by vendor
during the contract.
Consideration should be given to other provisions, which might help to reduce the level
of disruption to the buyer’s operations as a result of the termination of the agreement.What is a Service Level Agreement (SLA)?SLAs in an outsourcing arrangement identify the service levels or performance standards
that the vendor must meet or exceed. The SLA also specifies consequences for failing to
achieve the minimum service level set by the buyer.
SLAs should be applied to the key parts of the outsourced service and not necessarily to
every aspect. The purpose of SLAs is to ensure the buyer has the means to control the
level and the consistency of the service received from the provider.
Generally, the minimum level that ought to be set is that which is required to support the
buyer’s on-going business operations and HR requirements. An important rationale for
outsourcing should be to improve the level and quality of the function that is being
outsourced. Therefore the minimum level of service should be at least equal to the level
that existed before the function was outsourced to the provider.
In the HR area metrics are difficult to establish because much of what is being measured
is intangible. For example if buyer wants to determine the success of a web based
application for benefits, this can only be ascertained by surveying user satisfaction. As
such questionnaires and employee satisfaction surveys become essential tools for
measuring the performance of the vendor.SLAS must reflect the agreement understanding of the parties as to what constitutes a
good result and with respect to measuring performance, their agreement on the
mechanisms used to measure the result.
The SLA should also cover what constitutes the best and the worst-case level of service.
In this regard the buyer will want to incorporate service credits, which may become
applicable in the event the vendor fails to meet minimum service levels. At the same time
it is also appropriate to consider incentives or bonuses, which the vendor can receive for
achieving the best-case level of service.The point of any negotiation ought to be that it is in the interest of both parties that the
vendor meet or exceed the service levels set in the SLA. The buyers should not exploit
the use of SLAs, to reduce costs through the application of credits or penalties, because
this will only inject an unnecessary level of contention into the relationship that will
under cut the development of a partnership between the parties.
SLAs should not have a distorting effect on behavior, where the vendor becomes focused
only on those aspects of the service, that are measured, at the expense of other aspects,
which may not be weighted as heavily in the evaluation process. The vendor’s goal
should be to meet, or exceed expectations in every area covered by service.

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Getting the Bank to Respond to Document Requests in Foreclosure

Often, when homeowners need a specific piece of information from their lender, the bank is suddenly unwilling to communicate. Despite numerous faxes or phone calls, the information never seems to make it from the homeowners to the bank back to the owners. There are some options and tactics that borrowers can use to get this information, however, before taking legal action.First, the best idea may just be to call back the lender and keep trying. In many cases, it is usually best to make another phone call and talk with a new company representative until the owners find someone more cooperative.Another method that foreclosure victims can use is to contact the court that handled the case and find out if what they are looking for is part of the public record of the case. For specific property documents, the county court may have records. For specific pieces of information about the mortgage company itself, other government regulatory agencies may have disclosures and other public documents.Finally, homeowners can try to talk to the person who signed the applicable paperwork originally. In the case of many documents that are provided at closing or during the loan application process, the main signer on the loan may have kept a copy or could get a copy from the mortgage broker or closing agent.Lenders and servicers have never been easy to work with. The representatives they hire for loss mitigation are severely overworked, undertrained, and underpaid. The representatives have to deal with angry customers all day long and they all stopped caring about any one homeowner a long time ago. This is why borrowers who are serious about making a case to keep their homes need to be persistent.When dealing with lenders, homeowners and their advocates or family member helpers need to make sure they have authorization to discuss the loan account. They can make sure of this in two ways: the first is to fax is signature authorization from the main account holder to the lender; the second is to have have the main account holder call the lender and give them verbal authorization to speak with someone else. Most lenders will allow a 24 hour verbal authorization to speak with a third party.Once a third party is actually authorized to speak with a lender, the homeowners and advocate need to leave their emotions completely out of the situation. They have to assume that the people working for the lender are not sympathetic and have already heard hundreds of sob stories each week. In fact, they should assume that the bank will mock them and make fun as soon as they are off the phone, if the conversation becomes too emotional. I personally experienced this with a client when the representative thought we had already hung up.Another important mistake many people make is demanding the results they want. Homeowners have to remember that they are at the bank’s mercy in some cases; they do not have to help, and they most likely will not if borrowers become too demanding. By acting politely and professionally, the owners will likely get what they are asking for.When a lender does turns homeowners down, they might try asking if there are other solutions to avoid foreclosure. For example, instead of demanding or threatening litigation when the bank rejects a loan modification application, the owners could ask if they have any advice on how you could obtain the solution or paperwork that is being sought. Most people will be inclined to find a way to help, assuming the borrowers ask in a professional manner.Another question you need to ask in this scenario is what their reason is for withholding some documentation or solution from the owners. It may be a simple matter of obtaining the correct authorization, it may be something that particular office does not have access to, or it may have a more sinister reason behind it. Either way, asking the right questions should help homeowners get to the bottom of their problems with getting documents from banks and servicing companies.

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7 Reasons Consumer-Driven Health Care is Taking the Place of Traditional Insurance

Hello, my name is Jennifer. I am from Warren, OH which is about 20 mins. away from Youngstown. I want to talk for a few minutes about “health insurance”. Now you may or may not know about these issues but they are very important when choosing a health plan for you and your family, especially if any of these pertain to your specific situation.For those of you that are not familiar with what “Consumer-driven Health Plans” are let’s take a few minutes to go over this topic. First, Consumer-driven Health Plans mean that YOU decide who you want as your primary health care provider. If you sign up with one of the Traditional insurance companies they have a list of providers that they work with and you as the consumer are stuck choosing one off their lists. Sometimes you will get lucky and the health care provider that you want to deal with in on those lists.According to the annual BCBSA survey in 2007, the number of consumers using Consumer-driven Health Plans has increased by 25%. Interest in Consumer-driven Health Plan is growing rapidly. The Deloitte and Touche survey found that four out of ten employers alone plan to offer a Consumer-driven Health Plan to their employees in the near future. This trend is growing due to two main factors:First, physician’s and consumers are frustrated by the restrictions and complexity of managed care. They hope that these plans will reduce the intrusion of health insurance into the practice of medicine and restore independence to the doctor-patient relationship. By eliminating the middle-man and different prices for the various providers, it allows the consumer to have one uniform fee schedule, physicians with greater patient satisfaction, and provides them with the quality care they require.Second, many consumers are frustrated by higher deductibles and co-pays. They also find that the prescriptions that once were covered under their insurance plans now are not. Consumer-driven Health Plans give more control and flexibility to allow consumers to manage their own health care expenses. These Health Plans are becoming the more attractive option to Traditional Health Plans.So, now that we have defined what Consumer-driven Health Plans mean, let’s focus on the problems people face and how Consumer-driven Health Plans can solve these problems for consumers.Problem #1Traditional Health Plans do NOT cover pre-existing conditions.SolutionConsumer-driven Health Plans do not care what your situation is or who you are. They cover any type of condition pre-existing or otherwise no questions asked.Problem #2THP do not cover all prescription medications without prior authorization.SolutionCDHP cover over 150 commonly prescribed medications at an average savings between 25% – 94% depending on the medication. There is no prior authorizations required.Problem #3 THP do not cover certain diseases or conditions such as Lupus or Autism.Solution CDHP absolutely NO ONE is turned away or denied coverage due to any specific medical condition or chronic disease.Problem #4 Certain THP require pre-authorization for tests such as MRI’s, CT scans, Ultrasounds, and Stress tests. The main companies that require these are BC/BS and Medical Mutual.Solution CHP save you between 20% – 64% on MRI’s, CT scans, Ultrasounds, and Stress tests. Savings depends on the test done. No prior authorizations required.Problem #5 THP don’t cover diabetic supplies such as test strips, syringes, or glucometers if the consumer does not live in a nursing home. The meters alone are approximately $60 over the counter. Many products for incontinence are not covered by THP either.Solution CHP have a specific discount plan geared towards diabetics for one monthly charge it covers all their supplies for the month such as syringes, test strips, insulin, etc.Problem #6 Consumers between the ages of 55 to 64 have the highest insurance premiums of any age group because they use more health care services than younger people. Conventional policies can cost close to $1,000 per month based on the fact the insured is in good health. Because the price is so high close to 15% of people within this age group are uninsured with women more likely to be without coverage.Solution CHP offer the same savings to the consumers between the ages of 55 to 64 as the consumers that are between 25 and 54. There are NO age limits.Problem #7 Certain THP do not cover blood work and the cost to us as the consumer can range anywhere between $400 to $800 depending on what the primary health provider is testing for.Solution CHP can reduce the amount the you have to pay up to 30% sometimes even more depending on the circumstances.OK, we’ve defined what CDHP is and also pointed out several critical issued that most consumers run into with Traditional Health Plans. So, the next step would be to locate a Consumer-driven Health Plan that solves all of these problems and provides a great savings to you and your family.* NO WAITING PERIODS* NO AGE LIMITS* NO MEDICAL EXAMS

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Low Business Loan Rates – Taking Advantage of the Self Storage Industry

Current business loan rates aren’t necessarily at an all-time low, yet they are creating economic stability and ample opportunities for those who aspire to prosper. With small loans in particular, incentive programs via the Small Business Administration (SBA) have enabled mid-level entrepreneurs to capitalize on a number of commercial loans related to the self storage industry. More than a handful of contributing factors have led to the need for ample storage facilities across the country, yet the main reason is because Americans have a penchant for hanging onto most, if not all of their possessions. As a result, reduced business loan rates have contributed to the situation by allowing investors to play integral roles in the supply and demand game.Commercial real estate loans of this nature can be put to good use in a few different areas, such as long-term purchasing, refinancing, development, and/or remodeling existing structures. Being able to accommodate twenty-first century pack-rats, as well as those who simply lack enough space in their own homes to store their wares is a great way to enter the field while landing a more-than-affordable mortgage rate. Because of the fact that existing business loan rates are some of the best to come along in years, getting started now is strongly advised.When it comes to commercial lending requirements for future investors, initial paperwork is vital to the small loans process. Whether seeking self storage funding or otherwise, many commercial loans are approved quicker through the ability to display financial stability. Credit scores, as well as tax and bank statements that show patterns of reliability will likely enhance the odds of getting funded, but also the ability to whittle a few percentage points off of the current business loan rates being offered. A minor blemish or two is considered acceptable with many commercial lending entities, given the present nature of today’s market.Once approved, small loans of this nature can be invested in a few different areas. Having already scouted a prime area in which to build, the development phase not only includes construction costs, but advertising for the new enterprise as well. The Coming Soon signs can have a tremendous impact on passersby; many American consumers will jump at the chance to be the first ones inside, especially when incentives are included. The previously agreed upon business loan rates may end up taking a back seat to the potential profit margins in significantly shorter periods of time. This is usually what happens when the Federal Reserve, aka The Fed, allows for lower mortgage rate amounts on commercial loans to drop.Owning a self storage business is much like owning a mobile home park, in the sense that very little overhead exists. Operating costs are minimal, as well as maintaining the property: the capital small loans advantage goes to the owner, more often than not.One of the only potential drawbacks of owning self storage facilities in the past has eventually turned out to be a real money-maker in the present. When looking to specifically to pay off individual business loan rates, storage spaces that reach the default stage can now be put up for auction. In most states, owners may be able to pay off their monthly mortgage rate amounts by staging auctions for the contents contained inside foreclosed parcels. While the storage wars continue to thrive, current owners stand to make a profit, regardless. Commercial real estate loans aren’t necessarily designed for these phenomena, yet it’s always nice to have a little fun and excitement as a welcome byproduct.Regardless of the case, commercial lending is now taking place nationwide. Low business loan rates are in part responsible for the frenzy.

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Keep These 5 Rules in Mind for Successful Commercial Designing

Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.

Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.

This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile

When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.

Consider the latest technology implementations

Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.

Keep office aesthetics updated

Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern d├ęcor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.

Provide personalized space to prevent congestion

Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.

Always keep safety first

Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.

Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.

Final words,

It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.

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How Long Should A Laptop Battery Last And How To Increase the Battery Life

No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up to 1000 times. However, many factors play their role to increase or decrease the lifespan of a laptop battery. For instance, the material used for producing the battery substance. So, if you want to ensure that your battery stands the test of time, given below are some of the tips that can help.

1. Install a good battery monitor

If you are looking for an alternative, you can choose from tons of third-party utilities. Basically, the software programs help you monitor your laptop battery. These programs have no compatibility issues with any type of laptop.

Using these tools, you can find out which programs are using most of the battery power. You can then close the unwanted programs to save battery power.

2. Install maintenance apps

You can use some manufacturer-recommended maintenance tools for maintaining your laptop battery. Based on the type of your battery, you will receive different suggestions. Apart from this, your operating system will come with a built-in utility that can help you keep an eye on your battery condition.

3. Maintain your device temperature

You should try your level best to ensure your laptop maintains its temperature. In summer, electronic devices tend to heat up, which negatively impacts the life of the battery packs.

Therefore, you should make sure that there is a little bit of space between the bottom of the device and the table you have placed your device on. Besides, the ventilation system of your device should be working properly. For this purpose, regular cleaning of your device is quite important.

4. Don’t use maximum brightness

When your screen brightness is at maximum level, your device will use the maximum power. So, turning down the brightness is the first thing you can do to save power. Also, it is not a good idea to keep the brightness at max level as it can have a negative impact on your eyesight.

So, by following these simple tips, it will be easier for you to extend the life of your laptop battery.

5. Change the power-saving settings

Before you do anything, go into the power options of your laptop. If you are using Windows operating system, you can go to the control panel to access the power options. The control panel can be accessed from the Start Menu.

Some users have MacOS. If you are one of them, you need to access Energy Saver, which is found in the System Preferences. If these values are set to default, your computer will use the least amount of power.

So, what you need to do is make small changes to the settings so that you achieve a balance between power and performance. For best performance, there is always the choice to connect your device to the AC outlet.

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The Best Ways I’ve Found To Make Money Online From Home

Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the tricks on joining the craft beer movement, opening a gallery or being a tour operator, you will find clever advice that anybody can apply to make money online quickly.

The most basic way to make money online is through affiliate marketing. It is really easy. Basically you set up an ad for someone she is selling something and when they click through and buy it, you make money! Simple enough if you have no technical skill at all. Here are some simple tips on how to earn using affiliate marketing:

Drop-shipping is one of the most useful methods. You select a product in which you believe there is a demand and then drop-ship it to your customers in small quantities. You make money from the difference between what the stock costs and what you sell it for. For this method, it is important to note that you may need to make space for your inventory on your premises or perhaps wait until you have a build of an inventory before you can start drop-shipping; but the advantages make it a good choice for those seeking to make money online from their spare time.

Paid surveys are a great way to earn some extra cash. These can be accessed easily and there are many sites where you can get paid from spending your spare time. There is one site, though, which is said to pay $200 a week for twelve weeks straight – you can’t beat that kind of money making potential. With paid surveys, it is important to note that the sites are generally scams, and that you need to do some research to ensure you are making good money making opportunities.

Finally, a passive income generating method that can bring in money on autopilot is eToro’s Forex trading. This works by allowing you to invest on a demo account and earn money from the performance of the currencies being exchanged. The best thing about this system is that it allows you to do virtually anything and still see profits coming in. eToro has an average starting price of less than $50 and can generate an income of five figures in just a few months.

These are the best things I have found for making money online from your home. Though none of them are as good as, say, a paid-online course, they are much more affordable and can provide a valuable education to start earning money immediately online. With just a little research, you should be able to find a legitimate opportunity to get paid to learn the basics of making money in the currency markets. This is a truly remarkable opportunity.

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