• January 31, 2018 /  Finance & Invesment
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    With so many people facing foreclosure today, thousands of loan modification companies have emerged offering a financial lifeline. Unfortunately, most demand big upfront fees, are not sufficiently educated in the industry to actually help, and may hurt by wasting valuable time and effort, or many companies (about 75%) are in the business to scam people. As stated by Illinois Attorney General Lisa Madigan–If you are struggling to make your mortgage payments, or if you are facing foreclosure, stay away from anyone who says that they will save your home for money upfront-.

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    Loss Mitigation Specialist C. Thompson Sr (Nationwide Assistance, Clermont, FLA), has determined several tale tale signs of scamming by these companies:

    Charges a huge upfront fee- the purpose of the fee is to contact the lender to ask for a loan modification. But, if turned down, only half the fee or none of the fee is returned. In these cases, there should be a money back guarantee.

    Will not explain the purpose of the fee- all services should be explained and all questions answered.

    Is not interested in your circumstances- may not have your best interest at heart.

    Does not stop the foreclosure proceedings during the negotiation.

    Will accept the first proposal from the lender, which may not suit your circumstances.

    A virtual company-no real office- may not be a real company.

    Too good to be true- promises a fantastic interest rate or/and an exact principle reduction amount, without consulting the lender. No promises can be made without negtiating with the lender.

    No approval process-An approval process should be the first step in the modification process, before a fee is paid. The process should not include credit qualification, and approval should not be made on the first phone call.

    Not a member of the Better Business Bureau.-they are not a leader in the industry.

    Fortunately, you can avoid these scams. There are other avenues to pursue if you need assistance with your urgent mortgage problems. Consider a non-profit agency that will assist you without charging a fee, or a real estate licensee and an attorney who will work and allow payment after the work is completed. You can also obtain free advice and consultation for your refinance, loan modification and foreclosure needs through several government agencies:

    Hope NOW –

    FHA –

    California Department of Real Estate –

    Making Home Affordable-

    The information presented above applies to home refinancing and loan modification abuse. However, if you are seriously looking to improve your finances in general, visit to find out more.

  • January 31, 2018 /  Finance & Invesment
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    NFIB and WIA to Provide Better Protection for Wine Investors

    Millions of Britons enjoy drinking it and many now see it as a long-term investment. Unfortunately, fine wine has also become a focus for fraudsters who trick investors into buying wines or vineyards that bear little resemblance to what they see in the prospectus, or may not even exist. The increasing number of such rorts in Britain has led to calls for action to be taken to protect investors and to increase consumer confidence in fine wines. In the upshot, the UKs National Fraud Intelligence Bureau (NFIB) is joining forces with the newly-formed Wine Investment Association (WIA) to tackle the problem.

    On 14 February 2013, the NFIB and the WIA jointly announced the launch of the new self-regulatory body which will aim to transform the growing wine investment industry by providing better protection for investors in the UK. The WIA has been formed by leading figures from the fine wine investment industry and seeks to support the sector’s growth through voluntary regulation, establishing best practices and setting up processes to identify fraudulent activity.

    Director of the NFIB, Det. Supt. Dave Clark, said: “Fraudsters will always follow the money, wine investment is just the latest in a long line of investment opportunities that are being exploited and corrupted to the detriment of the industry as a whole. He added that the NFIB sees the creation of an auditable framework of self-regulation as a step towards maintaining and increasing consumer confidence, while also identifying investment companies which do not operate in accordance with the required high standards.

    New Code to Tackle Wine Investment Frauds

    Following an extensive consultation period, the WIA has set out the standards and procedures with which its members must comply to remain in good standing. Under the new code of conduct to be drawn up, wine investment firms will undergo stringent audits by accountancy firm Mazars. These will include checks on systems such as stock rotation and to make sure that purchase orders and invoices tally. The director of the WIA, Peter Shakeshaft, revealed that companies which successfully complete the independent audit process commissioned by the newly-formed regulatory body will bear a WIA logo offering consumers a trustworthy safety kitemark. Shakeshaft added: Our industry has been held back far too long by unscrupulous practitioners and issues around fraud. The WIA will really hold the industry to account.

  • January 31, 2018 /  Business Center
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    In small business computer consulting, $100 an hour can be a reasonable and livable rate. Why can setting your rates at $100 an hour make all the difference in the world?

    Take the $100 an hour and multiply it by 1,500 hours a year. This is reflecting a 75% utilization rate; or 75% of a typical forty hour work week as billable time. Now youre at $150,000 a year gross.

    Salary and Affordability

    As a small business computer consulting firm, you will want to take a third of the gross and plow it into sales and marketing. Therefore you can afford a $40,000 base salary for your sales account executive. So, of that one third of your gross small business computer consulting income, $40,000 can go to the base salary and $10,000 can go to related marketing expenses.

    Additionally, one third will take care of taxes, insurance and overhead items for the most part, and you have a third of it or $50,000 left to pay a technical staff salary.

    Surpassing $100 an Hour

    You may be considering exceeding a rate of $100 an hour for your small business computer consulting firm. At that point, you can hit what we call the not-so-imaginary-hourly-billing-rate ceiling.

    Needless to say, if your small business computer consulting clients are paying $110 to $125 an hour, it gets even easier to be able to afford really bright, motivated, highly qualified sales and technical staff.

    Higher Rates Equal Bigger Businesses

    However, if you want to charge above $100 an hour in your small business computer consulting firm, youll almost always need to move above and beyond sweet spot small business clients into really large small businesses, medium size businesses and enterprise-sized accounts that require a different business model and technical skill set.

    Once you do that, youre going to be operating under a completely different type of business model. And you will need even more polished and seasoned salespeople to be able to handle those accounts.

    Copyright MMI-MMVI, Computer Consultants Secrets. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

  • January 29, 2018 /  Banking & Money
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    Buying bank foreclosures may not look attractive at first since it entails a lot of paperwork on your part and the prospect of dealing with a financial institution that has taken back someone elses home seems daunting. However, you have to take into consideration the rewards of navigating financial and legal hurdles since it is not often that you may be able to buy a pretty spacious house with a garden in a nice neighborhood for half the price of its real market value.

    Such opportunities are a goldmine for investors too as prime real estate that are cheap and hard to come by. A tidy profit can be made if you are willing to flex some muscles.

    Where to Look for Bank Foreclosures

    It may seem very hard to find bank foreclosed properties out in the open, but when you know where to look, you can find great deals on homes and other properties for sale.

    Banks may have their own list, but it may be too tedious for you to comb through the whole lot of them separately, especially if you live in another town or state. Your best bet is to look for REOs in listings. These lists are a treasure trove of information and save you a lot of time and effort. These consolidate repossessed homes for sale per location or per state. It is also easier to find the homes you are looking for as you can already do the process of elimination and selection by browsing the list.

    Checking Out the Property

    Take a look at the bank foreclosures that you are interested in. Inspect the condition that they are in and try to get an estimate on the cost of repairs. Have the entire property appraised or talk to an agent and compare prices of similar homes to see if you are really getting a good deal.

    Dealing with The Bank

    Try to engage the services of an agent who has experience in dealing in bank foreclosures. Some lending institutions may not be willing to talk with an unrepresented prospective buyer like you and there may be some financial issues that you may not be conversant in.

    If all goes well, you can negotiate with the bank for a lower price on the property. These foreclosed homes can also be acquired through cash basis, installment or through lease with option to purchase.

  • January 29, 2018 /  Entrepreneurs
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    Any business, no matter how big or how small, starts out with an idea. The ideas were non-tangible things that entrepreneurs started up into real live businesses. Similarly, home based business entrepreneurs need ideas to start up. Perhaps you can take these ideas and turn them into money making businesses? Anyone with a computer, the internet, and a pulse can make them happen.

    Idea #1: Start up a home based business by selling things on E-bay. Research what is selling on E-bay and get involved in that niche by buying wholesale and selling for profit. Learn the tips and tricks of how to effectively sell on E-bay and how to maximize your profits.

    Idea #2: Find out about a topic that people want information on and would pay for that kind of information. Write an e-book or a report that contains the information that the people are looking for, and then sell it.

    Idea #3: Buy or otherwise obtain private label rights products/articles/books/etc. You can do whatever you please with these. You can rewrite the books to your own taste and resell it for 100% profit. If you have a lot of PLR articles about a certain topic, you could compile those into a book for reselling.

    Idea #4: Start up your own online store. More and more people are buying things online, so you could cash in on this. What exactly would you like to sell and to who would you sell it to?

    Idea #5: Build websites for other people. Some people are too afraid to learn programming with HTML, no matter how many books they read or how many courses they take. You might have experience with websites or you can learn HTML from free resources. I know someone who got paid $75 for designing just one site, so there’s money to be made in this field.

    Idea #6: Another home based business for an entrepreneur to start up is a service-based business. Perhaps you know how to get a complete idiot’s site to the top 10 search engine rankings for a certain keyword. There are people will pay money for that, you just have to put your business in front of them. Perhaps you can give consulting services in a certain area, or can do other services that people outsource. What other services can you think of that you can provide for money?

    Idea #7: This is a popular one: join an affiliate program, and and get into the business of affiliate marketing. You promote products from these affiliate programs, and get paid commissions when you refer sales and sign-ups. If you can’t create your own product or service you should look into this.

    These are seven great ideas for entrepreneur start up. But these are just a tiny sample as to what kinds of ideas are available to be turned into home based businesses. Use one of these ideas, or come up with your own, and start your own business.

  • January 28, 2018 /  Trade & Franchise
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    When it comes to buy a Subway Franchise, the first think which clicks in the mind is that how you will go to finance it?. Buying a Franchise or coming in the food chain business involves various things like setting up the restaurant, arranging for the shop fitters to fit out the shop accordingly, kitting it out with all the required catering equipment, fitting all the tables and chairs, and many more. That is the reason people usually look for a financer before buying a Subway Franchise. By having a handsome amount in their hand theyll be able to effectively budget their monthly outgoings through a monthly finance package to operate their business immediately with all the equipment they need.

    Own a Subway Franchise only by going through the process of financing, as by doing this you are keeping your available capital in the bank, leaving it available for other important business expenditures. It will provide you liquid flow of cash to run the day-to-day business activities. You cant imagine how easily youll get back your return on investment easier by opting to tailored franchise finance package. It will benefit you by lending maximum money to your bank account each month on your lease agreement.

    No one can deny the popularity of Subway, not because their unique chain of restaurants but for the quality they provide with mouth watering sandwiches. There is hardly any need to mention that their high profile advertising campaigns and their ongoing popularity and excellent menus are certainly attracting potential franchisees from all over the world. They all want to open their own Subway franchise and want to take a part in the active race to success. If you think about it you almost get it, enormous flexible finance packages on the market are available. It allows you to build in the franchise fee with all useful equipment that goes into the Subway restaurant.

    Fulfill your desire to owe a business related of fast food industry by buying a subway franchise. This is the only platform where food have both moderate as well as healthy flavor

  • January 28, 2018 /  Business Center
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    As a network computer technician I’ve come to the choice that I don’t think my small business clients that employ between 2-10 people should even bother with installing what we might consider a regular server nowadays. It is overkill, expensive and a major source of problems if something goes wrong. So what do I recommend instead? I would recommend a file server with local and offline backup. What made me come to this decision? A number of real world issues, actually.

    Too many computer consultants come from an environment where they were taught and schooled on how to maintain servers. To me this is the old way of doing things. Unless you are hosting your email in-house there isn’t the need for the old server.

    Think about this…what services do you really want to provide that are mission critical for your clients? For my clients the most important need is a way to create and access files that are backed up on a regular basis. I have seen too many small businesses shut down for days on end because they put all of their trust in a old server and a tape backup system. Why are these servers and tapes such a problem?

    Think about this for a second. If a piece of hardware fails in your server, chance are that you won’t be able to replace that broken or failing part with something you can buy locally. Often times you have to call the server manufacturer and wait patiently for them to ship you a replacement part, all the while your business is at a stand still.

    And tapes for backing up data? Unless you have an enormous amount of data, backing up to multiple hard drives is faster. And these hard drives will be able to access that data in other computer while you get your server fixed.

    Another solution I recommend is using a service such as Dropbox to backup files. I don’t completely rely on Dropbox, though. I prefer to have a physical backup of the client’s data at the site of their business and then use Dropbox as a way to get a backup off-site. If anything catastrophic were to happen to the small business, such as a fire of a flood, it is easier to get a computer up and running, re-attach it to Dropbox and the data is back and ready to be used.

  • January 26, 2018 /  Banking & Money
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    Domain flipping has been a fast way to make money online. Many people and internet marketers are heavily involved in flipping domains. Those who serially buy and sell domains are domain flippers. It is a way to make money online which has not been utilized to the full potential.

    Flipping domains means the process of buying and selling domains.

    There are two ways that you can make money by selling domains. The first way is to simply buy a good domain name which is sell-able and may interest buyers.
    The second way is to buy a domain name and earn a good Page Rank, Alexa Rank etc. Once it begins to make a few dollars every month then you can consider selling it in the market. This requires a little more hard work than the first way to make money from flipping domain. Also it will take some time as you will need to wait until the site is indexed in Google so that you can get some organic search engine traffic. However, this will turn out to be more profitable as you are selling an established domain name.

    The second way is to buy a domain name and earn a good Page Rank, Alexa Rank etc. Once it begins to make a few dollars every month then you can consider selling it in the market. This requires a little more hard work than the first way to make money from flipping domain. Also it will take some time as you will need to wait until the site is indexed in Google so that you can get some organic search engine traffic. However, this will turn out to be more profitable as you are selling an established domain name.

    So how does Domain Flipping allow you to earn money fast? When you buy a domain and sell it, generally you can sell it for a few hundred or thousands of dollars, whereas, you can buy a domain name for fewer than ten dollars. So when you buy and sell repetitively on the internet then you have created a lot of wealth in the process. This is why domain flipping is a great way to make money online. With some experience there is no limit to the number of domain names that you can sell. If you have enough skill, then you can even sell one or more domains every week.

    Domain flipping does not require a lot of money to investment. It is a simple way to make money online but requires some patience. This is also a fast way to make money online. So if you are interested then you should definitely give this a shot to make money. Most people who make money from domain name flipping work from home.

  • January 22, 2018 /  Trade & Franchise
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    The monetary slowdown within the current instances has urged guy to be quite diligent and professional in managing his or her personalized finances. They’re compelled to juggle with a number of business enterprise platforms. Thus Foreign exchange EA trading has turn out to be a blessing for the Foreign trade business.

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    The benefits with the expert adviser application usually are one explicit the investor should not be burdened together with brokerage service fee or service expenses. Secondly, it could be run on just about any laptop computer or computer program or cell phone. Thirdly, it analyzes the prior market and might make it pertinent for the present marketplace tactics. Fourthly, it is unperturbed on account of virtually any emotional crisis and makes objective selections. Fifth, the cease loss options assist to increase the revenue and reduce the loss.

    This software program package is drastically commercialized and infrequently perform very well. His or her efficiency is very distinctive from your again once more check outcomes. The software program program could be chosen only from stay on the internet revenue account and avert from falling right right into a scam.

    Stealth Forex Signals

    Precisely what does the software program package really do for that shopper is the fact that the 2 the buying and providing of stock along with a number of forex stock is carried out devoid of human intervention? They do assist to make large profit by means of the funding capital.

    The computer software program package ought to be truly customized and particular person friendly. The shopper support needs to be easily readily available. The cash again guarantee schemes should be availed. An authentic developer actually ought to supply fairly a bit of standards to generate the product productive, simulated accounts may very well be operated to test the top quality. The Help forum is normally formulated to voice his or her reactions. The purchaser is likely to be educated with the video and PDF message boards. It might be useful to get experiences of legendary giants who’ve bought the precise time investigated application.

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    To interrupt the ice with regards to the Forex EA trading, it is extremely good to undergo the Foreign exchange Computerized robotic opinions, have in thoughts experiences of legendary giants that have obtained the real time researched software and been effective.

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  • January 20, 2018 /  Banking & Money
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    To enable us meet and surpass the Money Transfer needs of our Customers, Skye Bank introduced the Western Union Money Transfer Service in 2005.

    Western Union money transfer is an electronic funds transfer service that enables people send money from over 220 countries and 300,000 Western Union Agent locations around the World and receive them in our over 200 Skye Bank branches nation-wide.

    We also have “Dedicated Centers” where only Western Union transactions are consummated. The bank’s dedicated centers are strategically located, catering to numerous Western Union customers within and without the localities.

    The product is uniquely designed to allow both customers and non-customers of Skye bank to receive their funds at our branches. Nigeria is presently a receive-only country for Western Union Money transfer.

    The success of Skye bank in the area of Service Delivery has endeared the bank to the teeming users of the product.

    The bank is opened for Western Union business:

    Monday to Friday: 8.00a.m. – 4.00p.m.
    Saturday: 9.00a.m. – 3.00p.m. (For selected locations)
    Sundays and Public Holidays: 10.00am – 2.00pm

    Benefits of Collecting Western Union Transfers from Skye Bank
    Our services are fast and efficient
    We have over 200 branches and locations, making the service easily accessible to receivers nationwide
    Security of transactions is guaranteed
    Availability of Dollar Cash
    Opportunities to win various gift items with repeated patronage
    Currency conversion service through our Bureau de Change outlets nationwide, making our locations, a one-stop shop for Western Union customers.
    Convenient opening hours
    Procedure To Receive
    The receiver goes to the nearest Skye bank location and completes a Money Receive Form
    Receiver provides the following information
    10 digit Money Transfer Control Number (MTCN)
    Test Question and Test Answer
    Receiver provides acceptable means of identification.
    Any of the following means of identification are acceptable:
    International Passport
    Driver’s License
    National Identity Card
    Other secondary identification acceptable by Skye bank Plc
    Further details on the product can be obtained at any of our locations nationwide.
    You can also call our Western Union Customer Service Center on any of these lines;
    234 1 2703090 or 234 1 8775732 or email us on