Elder Abuse Financial Scamming of Swindling

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When a family member or loved one gets older, it is common for us to worry about them. Should they be put in a home? How can their needs be best met? Can we trust those who are looking after them?
Sadly, these causes for concern are justified. Cases of abuse are far too common for us to pretend they don't exist. One of the most common forms of elder mistreatment is financial abuse. This article will examine what financial abuse is, how it happens / who does it, and what you can do legally to correct the problem.
What is Financial Abuse?

Financial abuse is a diverse genre of mistreatment that encompasses the illegal embezzlement, theft, or misappropriation of funds or possessions of an elderly individual.
Often older folks have a difficult time managing their resources, and so depend on others to help them. It is at this time that unscrupulous individuals make attempts at taking property, land, goods, and money through acts of deception, intimidation, etc.

Who Could be Financially Abusing Your loved One?
To determine if your loved one is being abused financially, we first have to establish who could potentially be causing the abuse. The culprits could range from close family members to scammers continents away.
Personal Caretakers

A surprisingly large amount of financial abuse cases occur between an older individual and their personal caretaker. Caretakers, who are often relatives or loved ones, are in a uniquely powerful position to commit financial abuse.
With the trust of the victim in hand, the caretaker can slowly steal possessions out of the person's home. They can also use coercion to get the older individual to sign away land, property, or access to bank accounts. Caretakers can also manipulate "power of attorney" and the layout of the last will and testament.
An abusive personal caretaker can be a serious problem as they seemingly have the inside track to all matters regarding your loved one.

Structured Establishments (e.g. Nursing Homes)
Many people worry about the quality of care their loved ones will receive at nursing homes (as well they should be). However, one thing some people forget to do is keep a close eye on how that nursing home charges and handles the finances of the older individual.

Always be certain to compare the level of cost to the amount of care and attention being given. If items and services show up on the bill that you believe have never been performed/given, it is important you follow up with the appropriate administrators.

It is also important to monitor any new 'best friends' your loved one may develop in the home, especially in regards to staff. If the loved one starts adding these individuals into their will or buying lavish things for them, it could very easily be a case of conning, intimidation, or 'sweetheart scamming'.

Scammers
Scammers come in all shapes and sizes and from all over the world. Older people are susceptible to them due to the constant developments in technology and the potential for a loss in mental keen-ness.
Some of the more obvious scammers come in the telemarketing realm. Often phone-scams target older folks who they believe they can scare or coerce. Watch for sharp increases in unusual checks being sent or for a check of exorbitant amount being sent to an unknown person/location. Always follow up with your loved one about these financial decisions and keep a close watch for anything that seems dishonest or too-good-to-be-true.
Older folks are also susceptible to credit card hijacking or other account infiltrating. It can be difficult for anyone to keep their identity and numbers safe, and older people often have trouble keeping up with technology, accounts, numbers, etc.

Legal Recourse if Abuse is Discovered
If you sense foul play in regards to your loved one, don't hesitate to act. Gather as much information and documentation as you can about the abuse being conducted. Find a local attorney in your area that specializes in these kinds of cases and do your best to stay one step ahead of the scammer.
Don't confront the abuser until you are certain you have the legal upper-hand. But more importantly, make sure you gain the legal upper hand as quickly as possible.

Bill Hayes is owner of The Hayes Firm, a specialized personal injury attorney network designed to find the best lawyer for each individual client. Every incident is unique, and it's important to have someone with many years of experience and an extensive network to help you find the right kind of attorney. Elder Abuse is one of Bill's specialties and he will be able to properly guide you through the legal process and get you the help you need. Visit today and receive a free legal consultation!

Elan Credit Card...Mystery Solved

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While completing the research for this article, admittedly I was becoming a bit frustrated. What is it with these companies that have credit cards offers that no one could seem to access online? Seriously, what is the point?

If I am interested in your organizations' credit card, I would expect to go online and search for your card andvoila, an entire website with all the information I need appears. It's not magic; it's the way things should be, any good marketer knows that.

Well to my surprise, this is not what I experienced while searching for the Elan credit card. Instead I was greeted with a card member services page for all my search effort. Now tell me, how can I become a member when I can't even find information on the credit card offer to decide if to follow through with an application.

On further investigation, I realized that the Elan membership page was powered by Elan Financial Services so I thought If I visited their site, I might gain access to the details of the Elan credit card offer.

Once I landed at www.elanfinancialservices.com it became clear why there were no specific credit offers splashed across the Internet and on this occasion I would let go of my frustration because I now understand what Elan is all about.

You see Elan is actually a transaction management company that offers credit cards and other financial services to its partners.

They do not offer credit cards to the general public, but rather they handle the background work such as card authorization processing, system monitoring and point of service transactions to name a few. You can click here => http://www.elanfinancialservices.com/efs/credit_card_programs/index.jsp for more on how Elan works.

You would need to be a business entity in order to benefit from the services of the Elan credit card. This is because your business would partner with Elan to provide credit card services to your customers and management of the day to day transactions would be handled and supported by Elan Financial Services

As an example the following credit cards provided by these two companies are powered by Elan, but the cards are issued in the banks name.

Central Pacific Bank Credit Card
Bloomfield State Bank

Even though the Elan option did not work out, there are many other credit card offers available on the market. You can search through many different categories to find the card that is right for your circumstances. Categories include:

Airline Credit Cards
Balance Transfer Credit Cards
Business Credit Cards
Bad Credit Credit Cards
Rewards Credit Cards
Student Credit Cards

These are just a few of the categories available, so don't delay, start your credit card search today.

Effective Ways To Finance A Business Start Up

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A brilliant business idea cannot be executed properly without sufficient start up financing. Most aspiring entrepreneurs do not have enough personal savings to support a business. However, there are other financial resources available for a business and this is what we'll be discussing on this article.

Here are some effective ways to finance a business start up. Before taking on any of these options, make sure you've weighed them carefully and realize both their advantages and disadvantages:

Borrow funds from friends and relatives. If you have friends or relatives that you feel are capable of providing financial assistance, you can ask for their help on providing additional fund to start up a business. Why is it worth it to seek assistance from friends or relatives?

For one thing, you don't have to worry about the status of your credit history since families and friends would not bother to check on them. Second, you don't have to submit paper work such as a business plan or financial statements to get the money. These are the advantages of borrowing from friends and relatives.

However, keep in mind that when borrowing money either from family or friends, it's best to put everything in writing. Don't simply rely on verbal understanding. A written contract that is signed by parties will protect you and your lender in case problems or conflicts arise. It will also protect both of you from damaging your personal relationships.

Get a bank loan. If borrowing from your friends or relatives is not an option, perhaps you can also obtain a bank loan. Businesses who need additional funding for expansion can apply for a loan. However, for businesses that are still on the planning stage of starting up the business, a bank loan can be a difficult shot since most banks would require a business to be in operations for at least two years. In addition, banks generally prefer a client to submit a security for the loan such as a property or an asset. For these reasons, most business owners seek other option other than a bank loan.

Seek angel investors. You can also try seeking angel investors that support businesses in your industry. Angel investors can be individuals, household, an independent group or a financial association who offer funding for businesses.

Try to win a government grant. If you think you are qualified for a government grant, why not apply for one? However, you need to be aware that applying for a grant can take some time, and can even take up to a year of waiting. If you can't wait that long to start your business, better try other options as well.

Business equipment leasing. This is an option if you're on a limited budget in starting up the business. Equipment leasing enables a business to acquire all the necessary devices, machines, or equipment it needs for operations. Thus, you can use the money you have as a working capital or for other purposes in the business.

Obtain a Business Credit Card

A business credit card works much like your regular credit card but with more options that are specially designed for businesses. For instance, business credit cards come with a higher credit limit, which means you can charge more of your business expenses on your credit card without exceeding your allotted credit. The only disadvantage of using a business credit card is that you need to ensure that you can keep up with your payments if you don't want to pay high interest rates and penalty charges.

Home Equity Loans

A home equity loan is a loan secured by your property. The value of your home property will determine the amount of loan you can borrow. A home equity loan is payable after your loan's term which gives you ample time to save up for the money. However, since it puts your home on the line and nobody can guarantee the success of a business, this is not an advisable choice of funding a business.

Effect of BSE Sensex on Financial Market

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The BSE sensex has so wider reach these days that if you will ask about it in a remote Indian city then you are going to receive some positive feedback on its performance. It has been several times that the BSE sensex figures went down remarkably hitting hard the share market operations and forcing trading companies as well as investors to press panic button. The revival process is still continuing and setting a different trend from that of bigger economies of America and Europe, India is fast recovering from the global recession period. The credit for this goes to the Indian government and the innovative financial measures taken up for consideration by the Reserve Bank of India.

The share investors and financial analysts used to discuss a lot on the BSE market indexes. It allows them to brainstorm on the current market situation and devise useful share trading formulas. The BSE sensex chart shows any fluctuation in the Indian share market prices. The BSE sensitive index covers the prices, performance and calculations of 50 US stock trading companies and 30 Indian live share trading companies. All the BSE market indexes present an overall scenario of different industrial sectors ranging from banking to telecommunication and from automobiles to real estate.

The first time investor should be acquainted with the changing market condition that is reflected well in the BSE sensex figures. The BSE sensitive index reveals all information on the rising and falling share prices of BSE registered companies and provides necessary throughput to investors and analysts. Those searching for sources where they can find the price of complimentary industrial products, raw materials, consumer merchandise, electronics, rubber or iron will be able to get them instantly with BSE sensex. With all these useful information the industrialists can remain updated and work out their production strategy in line with the market demand. If you are thinking to invest in stock market then closely watch BSE sensex nifty calculations and news every day so than you can develop powerful investment plans. Your investment should not be all about buying shares for low price and sell for them at much higher price in opportune time.

The best performing companies can help you generate more business profit. But don't wait or watch for the rise in the share prices of companies not showing consistency in either the profit legacy or stock values. In such situations the share prices may fall severely without showing any sign of recovery and bringing you severe loss. Hence the onus will be on the proper understanding of the market dynamics, gathering data about the company, the shares where you are more likely to invest, gathering the most recent stock quotes, reading the BSE sensex market indexes and the list continues.

Edward Jones Financial Advisor Says Plan for the Expected ... and the Unexpected

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Humble TX Area investors preparing for or living in retirement need to plan for the expected while preparing for the unexpected - and position their investment portfolios for both, says Diana Van Horn, an Edward Jones Financial Advisor
How can one plan for the expected?

"First, envision your retirement lifestyle," Van Horn says. "Do you plan on traveling the world? Or will you stay close to home, volunteering and pursuing your hobbies? Or perhaps you'll even work part-time in some capacity."

Once investors know what their retirement might look like, they can put a "price tag" on it, even if it's only an estimate, she adds.

"Try to contribute as much as possible to your retirement accounts, such as your 401(k) and your IRA," Van Horn says. "Then, as you near retirement, you'll have to calculate how much you can withdraw from your portfolio each year without running out of money and determine if your spending habits are suitable for the amount of income you can count on from your retirement plans, Social Security and other sources."

The "unexpected" factors - those variables that will affect one's retirement costs and lifestyle - investors should consider include:

- Inflation - Over time, even a relatively mild inflation rate can decrease one's purchasing power and erode the value of investments, particularly the fixed-income ones.
- Market volatility - No one can really predict when the financial markets will move up or down, or how big these movements will be, but they will occur and could affect an unbalanced portfolio.
- Health care- As one gets older, health care costs almost certainly rise, but the size of this increase is difficult to forecast.
- Longevity - One doesn't know exactly how long he or she will live, but longevity will have a big impact on spending and investment decisions during retirement.

According to Diana, investors can position their portfolios for the expected and unexpected by achieving balance, specifically balancing the needs for growth and income.

"During your working years, you may need to focus more on growth-oriented investments, within the context of your individual risk tolerance, your time horizon and your specific goals," Van Horn said. "Even when you retire, youll need growth potential in your portfolio to cope with inflation and rising health care costs."

Retirees also have to think a lot more about their spending decisions, Diana says, so they will need a certain percentage of their portfolio devoted to income-oriented vehicles.

"Your Humble TX financial advisor can help you find the right balance in your investments, both before and during retirement," Van Horn says. "And along the way, you'll likely need to adjust your portfolio in response to changes in your life. But if you keep the big picture in mind by planning for the expected while preparing for the unexpected, you can work toward achieving the retirement that you've envisioned and that you deserve."

Edward Jones, a Fortune 500 company headquartered in St. Louis, provides financial services in the U.S. and, through its affiliate, in Canada. Every aspect of the firm's business, from the investments its financial advisors offer to the location of its branch offices, caters to individual investors. The firm's 15,000-plus financial advisors serve more than 7 million clients and care for $1 trillion in assets under management. For additional Humble TX financial advisor information, visit https://www.edwardjones.com/diana-vanhorn of call Diana Van Horn, CFP at (281) 812-7593.

CONTACT:
Diana Van Horn, CFP
Address: 20121 W Lake Houston Pkwy Suite 800, Humble, TX 77346
Phone: (281) 812-7593
Website: https://www.edwardjones.com/diana-vanhorn

Ease your financial pressure

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Financial pressure is something that more and more people face and suffer from. It can determine a deal of different emotions and distress on personal and mental level. When financial pressure takes control over your life a lot of things happen. You may face problems in your relationships, productivity, even health issues.
When you start working to clean up your financial life you start owning your life again. You will discover that every area of your life will improve: health, wealth, relationships. When you start working on your financial area new opportunities arise.
Here are 4 methods to ease your financial pressure:
1. Start budgeting
People often spend more time to think about where to go out to eat than on their financial budget. Excepting the tax season, almost nobody thinks about their financial budget more than once or twice of month when their bills and installments come. Budgeting is the first step to ease your financial pressure. You have to take your time to list all your income and expenses. Sometimes when you start listing expenses you may find out some ugly truths about yourself. Dont get scared and keep going. Its the only way to start getting back your life.
2. Consolidate your debts
Debt consolidation can be another way to ease your financial pressure. Consolidating all your debts may lead to lowering your interest rates. Definitely having only one payment to consider after you consolidate your debts will lead to more ease in your budgeting and monitoring of your expenses. In the same time, it will lead to lower stress levels and it allows you to focus on your life.
3. Multiply your income sources
Everybody knows the saying about keeping all the eggs in the same basket. How many people apply it on the financial life? Most of the people depend on their jobs. When you ensure multiple streams of income, you will still have money to pay your daily expenses and this will contribute to lower stress in your life. Multiplying the sources of income its one of the best ways to keep your financial pressure on manageable levels. Diversifying your investments, looking for a home based business opportunity, seeking a part time job are the most common ways to multiply your sources of income. Choose the right one for your particular situation and start working on that.
4. Use cash only
One simple and most often overlooked tip is to use cash only. Using cash for every payment will allow you keep track on your expenses and also have a stronger psychological impact. Using cash improve awareness over your spending habits and it allows you to control instinctual acquisitions.
Start acting right now and get back yourr life!

Earn Bitcoins Building Your Business

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Simplified Social Media Management

Tired of logging into multiple social networks?
Nexxus University Life Ecosystem was founded by entrepreneurs who have over 30 years experience.
We found that the sharing economy and social marketing offers the freedom to quit whatever it is that holds you from your dreams. Now you can publish posts on Facebook, Twitter, Google+, Pinterest and blogging sites, all from a single compose box. Schedule posts in advance with photos or videos attached we even shorten the links for you. Imagine mobile marketing to people around the world with a one click set it and forget it dashboard system .

Yes its true the most powerful and simple dashboard that reaches out to Billions of people on social media and mobile phones is Finally here!

If youre looking for the best and most effective strategy for generating network marketing leads, then look no further than Nexxus Ecosystem. Ever since weve started our business, weve had a core focus on teaching quality network marketing lead generation tactics.
It also helps that were supported by a team of professionals who have a thorough knowledge of the network marketing industry, MLM leads and lead conversion. Theyre experienced, accomplished and exceptionally skilled.

Our combined 30 years of mlm success to help create the ecosystem for home business people are struggling for success in their business by a one click marketing system where you never buy leads again.

If youre unsure of what to do about network marketing leads, then you can count on Nexxus Ecosystem to help you. Well not only help you build a strong online presence, but well also help you maintain it with our successful lead generation and conversion strategies.
One easy-to-use dashboard for social media, posting, scheduling,

Save time on social media
Easily collaborate with your colleagues and stakeholders, and seamlessly approve content before posting
Identify relevant posts about your brand and your competitors with keyword monitoring
Schedule social media posts to all major platforms in advance, either individually or in bulk
Generate leads even when you're away from your desk with social automation through Twitter Auto-Reply and RSS feeds

Nexxus Ecosystem works with the first global marketplace lending platform for small business loans. We leverage blockchain technology to connect creditworthy borrowers with individual and institutional investors.
Our partner innovates the fields of payments and credit scoring, and makes financial inclusion a reality around the world. All payment transactions are conducted via the bitcoin blockchain. Therefore, our service is available worldwide via the internet and is independent of banks.
To score borrowers who are not covered by conventional credit bureaus, we use alternative data for credit scoring. This includes transactions of small business owners from accounts like eBay, Amazon, Etsy, MercadoLibre, Shopify, PayPal, bank accounts and many others. The data gets evaluated with our proprietary machine learning algorithm.
Our partner is incorporated in Berlin, Germany and is a fully regulated financial institution with its own license.
Nexxus Ecosystem's mission is to help create the largest online cryptocurrency ecosystem including students on Nexxus University ,1000 Crypto ATMs and 100 Crypto Cafs worldwide.

Early Symptoms of Pregnancy after Ovulation Changes, New Cravings

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You know you are pregnant when the early symptoms of pregnancy after ovulation begin to manifest themselves in your body. Ovulation is the release of a single, mature egg from the ovarian follicle, which, after being released, the egg is capable of being fertilized for 12 to 24 hours before it begins to disintegrate. If the released ovum or egg is fertilized and successfully implants, it results in pregnancy.

Cervix's Position Changes

One early symptom of pregnancy after ovulation is the position of the cervix. Many women track their cervical position in order to determine fertility, to wonder if there is at all any correlation between the position of the cervix and early pregnancy.

Unfortunately, there is no simple answer for all women regarding the position of the cervix. The position of the cervix during pregnancy does change but not at the same time in all women.

After ovulation, your cervix drops lower in your vagina and feels firm, it feels like the tip of your nose. When you are pregnant, the cervix will rise a bit and become softer, but the timing of this happening will vary from woman to woman. For some, this will happen shortly before their period is due, but for others, this will not happen until quite a while after their pregnancy has been confirmed.

Given how difficult it is to determine when this could happen, checking the position of your cervix to determine pregnancy is not a reliable indication of whether or not your are pregnant. More reliable ways to find out if you are pregnant is to take a sensitive home pregnancy test or by visiting your doctor for a pregnancy blood test.

Implantation Spotting

Another early symptom of pregnancy after ovulation is you bleeding due to implantation spotting. Occurring if pregnancy has been achieved, this happens about 4 to 12 days after ovulation and is the result of the egg implanting into the uterine lining which may cause a little external bleeding. This does not necessarily happen with every pregnancy.

Fatigue

When you are pregnant, you will notice fatigue to be one of the first symptoms. Its the kind of extreme fatigue resulting from not wanting to do anything except lie down, and is characterized by lethargy and dizziness in the event of too much exertion on the body.

Food Cravings/Aversions

Linked to the early pregnancy hormones that surge through the body are associated food cravings/aversions that you experience. An early symptom of pregnancy after ovulation, food cravings or aversion may mean a sudden want of a certain food - or wanting to throw up at the smell of another.

High Basal Body Temperature

There is another symptom of early symptom of pregnancy after ovulation and you can trace this if you are charting your basal body temperature. You will notice a sustained thermal shift or even a triphasic level of temperature when implantation takes place. Often a woman charting will know shes pregnant well before she can see a positive home pregnancy test. Accompanied with soreness in the breasts, and cramps, headache, moodiness and bloating, you have just completed the cycle of getting your pregnancy recorded through early symptom of pregnancy after ovulation.

Dynamics Of Debt Collection Industry Trends

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Debt collection is a significant part of the financial sector big-league, which keeps cash flowing in an economy. When debt collection falters and the delinquencies related to debt increase, the society as a whole pays its price as then the access to debt is limited for themand there is a hike in cost of borrowing.So a deeper analysis says that by recovering debt from one, a debt collector is extending a chance of borrowing money for the person next-in-line. Because, without debt recoveries, there cannot be a debt for the next person who needs a student loan, or needs to own a vehicle. Without credit recoveries, the U.S. economy can come toppling down. Hence Debt attorneys are playing a critical role in keeping the credit economy in place, and a states economyin progress.

Industry Trends, Benefits, and Backlash

Debt collection industry is under risk, as it is frequently failingto ensure compliance and keeps facing law suits. Its result is ahigher rate of money lending and falling profitability for the lenders. In such a scenario, this industry is in an urgent need of help, to support and manage the risks and save the credit losses, even if in a small measure. Technology has the potential to replace these human follies with technological acumen and free up people from tedious, mundane tasks so that they can focus on debt recovery.
Here are a few trends and challenges that are currently impacting debt collection operations:
1. Instead of Collections, Collections-Functions are Pivotal
Collection functions such as connecting with the banks, pulling out accounts, mitigating risks, complying with the CFPB standards and guidelines, and planning the deals are a significant part of the debt attorneys. While this work does not add up to any real work that can result in profits, it also causes the massive cost to the credit recovery agencies. While the debt attorneys should focus on recovery, they spend at least two days in getting this cumbersome task done, while also continually evolving to meet the regulatory norms.

2. Ineffective Debt Collection System
Debt management and collections system used by majority of the agencies is traditional and manual, under which, the attorney has to work on different portals as there is no one consolidated control system. This results in duplication of data, data loss, inconsistencies and ultimately poor business outcome and more investment. This is a complex process that needs de-cluttering.

3. Dearth of Intelligent Strategies of Recovery
Debt attorneys get so exhausted by the cumbersome clerical tasks that they fail to pay attention to their recovery practices and methods. They want a quick recovery, to obtain that they prefer closing the deal on a lower amount or by confiscation of assets. However, there is a scope for devising better strategies.
4. Paucity of Appropriate Tools
What an attorney needs to successfully close an account is a consolidated platform to find all the information related to the debtor. If the attorney has to refer different systems to gather the information, half of the energy and effort is lost. To help focus on the real work, it is imperative to have a solution that has everything in one place.

The Bottom Line
Debt collection industry is in need of debt management and collections system, which can help them push their ROI up. Technological innovation has already infiltrated into the industry, with debt collection software that automates the clerical debt collection process, and pushing up the profitability of an enterprise. According to analysis, a proper debt collection system leads to 25% increase in revenue collection, with 31% optimization of Control & Task Management work.

Dont Cost Yourself Money! How Wealth Advisors Can Create A Content Rich Site

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Creating a content-rich website for wealth advisors may seem like an impossible endeavor. After all, finance tools and decisions dont always equate to lengthy blogs and articles.

Wrong!

Many businesses are misled into believing that their industry doesnt need excessive content or, in extreme cases, any at all.

Consider this: 96 percent of B2B buyers crave content thats laced with industry-leading voices.

Any business can have rich, quality content that clients want to read. Its about presenting that content in a concise, engaging way.

Its not impossible to create thumb-stopping content. It just takes a little strategy, creativity, and reliability. Lets get started!

Developing a Strategy

In order to create great content, businesses need a strategy. A meeting would never be scheduled without some background information. In the same vein, content cannot just be written.

Theres a severe lack of content planning in many marketing strategies. In fact, a mere 41 percent of businesses think they have a grasp of what an effective content marketing plan looks like.

Businesses should take time to carefully craft a strategy that benefits their operation, as well as their target audience. Theres a wealth of information if one knows where to search.

To begin, businesses should look in the mirror. Wealth advisors have an untapped market of potential. Financial tools, advice, and consultation can be a daunting topic for the month. Yet, industry leaders have the chance to tap into a curious audience that will listen once the content is written clearly and concisely.

Check out this great article by Investormint for an example of what to do.

Writing for an Audience

Now, heres the fun part!

When created correctly, well-researched content can essentially become the selling point. The selling point, in this case, may be a product, service, or the business itself.

As stated above, wealth advisors have a unique opportunity to become a voice of authority. This is a reliable, confident source of information that increases trust and customer retention.

There are a number of ways to build a reliable reputation.

Content must be:

Original: No one wants to hear the same facts and figures. Engaging content is creative, colorful, and above all, interesting.
High-Quality: There is no room for sloppy, poorly crafted blogs in todays digital world. Websites must have well-researched accurate information in order to be taken seriously.
Engaging: If readers are not immediately swayed, they will click out of the website. Its as simple as that.
Consistent: The key to successful websites is consistent content update. In fact, 85 percent of the top marketers post content regularly.

Wrap It up in a Neat Bow

When theres a beautiful product, it only makes sense to present it with the reverence it deserves. Content layout is crucial to attracting readers.

Helpful images, such as infographics, are an indispensable resource to add a splash of color to the page and entice readers to click and share.

Videos are also thumb-stopping additions that engage readers and also serve as a breath of fresh air in between content.

Ready, Set, Write!

Looking for a little more help?

Check out these 5 tips that will help financial gurus build a cache of engaging blog topics.

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How To Create An Easy Content Marketing Strategy
The Top Content Marketing Trends Going Into 2018
[Case Study] How We Used B2B Content Marketing To
12 Local SEO Solutions That Will Help You Outrank

Does The US Owe You Unclaimed Money

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Whether you call it US lost money or US unclaimed money, the long forgotten checking and bank accounts, stock or cash dividends, checks which were never cashed, gift certificates, money orders and a host of other financial assets which lie unclaimed in the state department treasury can well be yours. Yes, the government does owe you money but it conveniently forgets all about it because it needs to balance its budget deficits. What more-it coolly gets away with it saying that the funds were a part of the US unclaimed money.

If we take the example of the State of California, we would realize that on an annual basis, a mind blowing $300 million are added to US unclaimed money. US lost money is being unrightfully used to boost the states treasury while its true owners are being deprived of their basic rights. Brad Pitt and Angelina Jolie are one of the few renowned celebrities along with Keanu Reeves and Adam Sandler who are victims to the US lost money.

Inside reports have it that the state owns thousands of dollars to these stars in the form of US lost money but has failed to return even a single cent. While thousands of dollars are owned to these public figures, the state government is taking no concrete steps to return their dues. The reason they give is that the rightful owners could not be found. Well, how difficult is it to find Hollywood actors or actresses. If the government is facing trouble locating these celebrities, it's about time they took help from the paparazzi.

US unclaimed money is not only owed to celebrities, there is $35 billion or more owed to Americans just like you. US unclaimed money in just the state of California alone amounts to approximately $5 billion and this is on an annual basis. You can imagine the what US lost money could do for its rightful owners.

US unclaimed money is automatically transferred to the state treasury if their owners fail to claim their money time. But when the government knows who their rightful owners are and can locate them as well, what stops the authorities from returning the funds. This is a question each one of us needs to ask the government.

The only real way to ensure that you get US unclaimed money that might be owed to you is to search for it. A simple search using your first and last name will find and tell you what lost money is found for you. So, what are you waiting for? Search for your unclaimed money today!

Does Social Media Help In Getting An Auto Loan

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We live in a world dominated by technology and social media. Whether they are your shared posts, status or your connections, social media platforms play a key role in carving your virtual personality. A well-known fact is that technology is an inevitable yet an integral part of our lives. When it comes to financing your car, social media is building its way and becoming a relevant medium of profiling. For instance, John walked into a dealership to purchase and obtain financing for a car. The quickest and easiest way to search for a tentative background of John would be to get a grasp of his personality on the basis of his behavior on Facebook and Twitter account, respectively. Currently, a small percentage of lenders use social media for judging an individuals creditworthiness. However, the developing presence of social media is gaining mind share of the lenders.

Can Social Media help in ascertaining the Creditworthiness of an individual?

1) Facebook can build your Credit Circle

The very essence of Facebook lies in networking. A creditworthy profile does not require millions of posts or many friends. However, if you have a genuine profile and do not pose any abnormal social behavior, your profile is likely to get approved for an auto loan. Additionally, the presence of certain contacts in your friend list with a clean history and a strong credit score further add to your creditworthiness. Lenders can look for mutual contacts that have been previous customers. The payment history of the mutual contact can then be used as a basis to judge your creditworthiness. In order to get the most out of your circle, seek a person with a good credit score and make him a cosigner and your auto loan process will become smooth.

2) With LinkedIn, lenders can check your Employment Stability

A stable employment speaks volumes about your personality and trustworthiness. LinkedIn can serve as the best source of obtaining information regarding your job history, duration, professional position and interests. The documentation of an auto loan requires you to display evidence of a source of income through pay stubs. However, there is less proof one can gather regarding the stability of employment. Social media can become a tool to ascertain not only if there is job-hopping, but also the financial strength of the individual. A person with a 500+ connections, long duration of employment history and a considerable profile activity can become a favorable applicant in the eyes of the lender.

Buying a Car: Making the Most of your Social Media Profile

Social media has made its way into the minds of auto buyers as well as lenders. As primary sources of guides, nothing comes above your credit score, current income status and payment history. However, virtual platforms such as Facebook and LinkedIn are starting to occupy mind share in terms of creditworthiness. Once the primary sources of information seem insufficient, lenders may turn to social media to get an idea of your personality. A few helpful ways to make sure your social media positively adds to your credit score is to be careful with your online posts, invite only genuine friends into your virtual circle and to always keep your professional profiles updated.

Does Getting Financial Management Assignment Help Online Make You Understand Things Better

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Financial management is the study of organizing the finances of an enterprise effectively to make sure it fulfills all their needs. It is one of the critical topics for student of finance.

Students should be very clear about the intricate concepts of the subject to become a valuable asset to their future companies or workplaces. However, it often becomes difficult for pupils to keep up with all the pressure. Many of them are engaged in extra-curricular activities and miss out lectures that keep their knowledge incomplete.

Although, all hope is not lost. Learners can opt for financial management assignment help online to deal with two birds with one stone. Not only will they have a professionally made project to submit, but also understand these topics in a lucid yet correct manner.

Here are some of the key concepts of financial management that students can learn in detail while getting online help.

Management of cash

This is a vital part of the subject. Efficient cash management can help companies tackle orders and expenses on time. Without proper management, business owners can lose valuable clients and also harm their business reputation.

If students do not have a very organic understanding of cash management, financial management homework help online services can come in handy for examinations and in life.

Financial forecasting and planning

Forecasting is one of the leading growth mechanisms of any business enterprise. It allows corporations to announce the costing and revenue of departments in the coming period and have an idea about its net profit.

However, if forecasting is off, companies can be looking at extreme measures to meet the expenses that they hadnt prepared for.

Reporting

Although reporting is self-explanatory it has huge real-time significance in the successful running of businesses. Departments report their revenues, profits, and expenses to the management so that they can take necessary decisions to control damage or promote growth.

When students miss out on financial reporting classes, online financial management assignment help companies are very useful. Their explanations on reporting along with data, statistics and surveys make it easier for students to understand the concept from reading their project.

Structuring capital

In this age of entrepreneurship and start-up companies, capital management is the future. Companies that are looking to expand need capital help to do so. The business department which handles financial management figures out the best way.

They take offers from financers and capitalists and opt for either debt or equity financing.

Tax planning

A proper tax plan is imperative for any company to stay within the legal bounds of their trade region. Correct payments of taxes help companies avoid audits, penalties, and other fraudulent charges.

Often students have trouble understanding the concept or were unable to attend classes. Online financial management homework help agencies give them a second chance.

To become a successful financial manager, students must grasp these and many other concepts of the subject very clearly. At the end of the day, education should make it easier for them. To apply their knowledge in real life and solve tough situations is the main goal.

Does Credit Repair Really Work

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Be careful who you choose because many "credit repair" companies collect money from consumers for credit repair services, but the services they perform are nothing more than mailing the credit bureaus simple dispute letters.

Some companies perform minimal disputes only, for example it might be disputed that the item really doesnt belong to the consumer or that the consumer never really went late on the derogatory item. The hope is that the creditor will not respond to the dispute and the items will be removed off the credit report as a result. These types of credit disputes depend on creditor ignorance or human error to be effective.

Over the last few years the credit bureaus have wised up to these Free Credit Repair methods. To counter, the credit bureaus now use sophisticated computer systems named E-Oscar and OCR.

The credit bureaus E-Oscar and OCR computers sniff out letters which appear to come from credit companies and then automatically respond to those disputes calling them frivolous. The credit bureaus E-Oscar computer then electronically processes the dispute nearly eliminating human error.

The credit bureau computers now render these types of disputes minimally effective. Some items will get deleted to simply be placed back on the report a short time later, and typically the only accounts that will be permanently removed are older accounts creditors no longer care about.

BUT, all hope is not lost

TRUE Free Credit Repair Florida is actually very effective, but it also is time consuming. Accounts have to be disputed to the credit bureaus in a mythological manner and the most effective disputes are done direct with the creditor themselves.

There are hundreds of consumer protection laws such as FACTA, The Fair Debt Collection Practices Act, HIPPA, The Fair Credit Billing Act, and many more which can be used to get your negative credit items removed from your report.

Many creditors blatantly ignore and violate multiple Federal laws with the hopes that you will not have the knowledge or time to be able to challenge them.

Most people dont possess the legal knowledge to defend themselves. You would have to spend endless time learning all of the hundreds of consumer protection laws to know enough to challenge your creditors successfully on your own.

But, using these creditor Federal law violations as leverage to force the creditor to delete the negative items is a VERY effective tactic to use to repair your credit. Credit companies who use this tactic and participate in direct creditor disputing typically see deletion rates of 70% or higher.

The drawback is in order to effectively dispute and delete your negative accounts, you will spend countless hours learning how to dispute and delete your negative credit items. Or you can find a highly recommended professional company to do it for you instead. But make sure you find a reputable company.

There are only a few 100% legal credit companies in the U.S. One of the most well known companies who produce the strongest and fastest results is Elite Credit Inc out of the Tampa Florida area (www.perfectcreditfast.com.) I have personally seen their dispute methods and results, and even I am impressed. You wont find faster or stronger results at such a low price anywhere else that I have seen.

Or you can visit online credit forums and start learning how to go at it alone. Whatever you decide to do, DONT decide to do NOTHING at all. Bad credit is estimated to cost an individual consumer over $1,000,000 in a 30 year time period.

Strong dispute methods should remove over 70% of your negative items, and this could be the difference between you just struggling living paycheck to paycheck or living the life of your dreams.

Get started now with fixing your own credit, or hire a professional to do it for you. Whichever you chose, stop delaying and get started today on rebuilding your credit profile and your financial security.

Do You Know All the Advantages of a Fixed Deposit Account

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As the world is growing fast and people on it live in major hustle bustle, everyone looks for immediate results. They want their investments to give instant results. As investing in higher risk generated area gives high returns people often opt for investments like mutual funds, shares, equity, etc.

But not everyone wants investments which involve high risk in it. Fixed deposits can be the one if you are in search of low risk involved investment. FD is safe options and also gives easy and high returns.   

Now, fixed deposits are the easiest way and a commonly preferred to save some funds. Fixed deposits are measured as a safer option as opposed to the stock market and mutual funds. Term deposits can be of two types: fixed deposits and recurring deposits.

Fixed deposits are the best investment option for the salaried individual because you will have to devote your funds only once. Since the rate of returns is high, they are considered as the best option for the masses. One of the advantages of fixed deposit is that the rate of interest is not easily affected by the volatility of the market. Another advantage is that the amount that you invest gets an insurance of about INR 1 lakh so even if the financial institution goes into a loss, your money is safe.

Since the tax is levied if you earn more than INR 10, 000 as interest returns from your fixed deposit in one financial year, you need to calculate in advance how much return you will be earning. There are many online calculators available where you can check your interest returns. If you are earning more than INR 10, 000 in tax returns then you can split the investment amount into smaller amounts and invest them in different fixed deposits.

With the fixed deposit market changing drastically over the past few decades, it is not known to a lot of people that even companies provide the facility of fixed deposits. While both banks fixed deposits and company fixed deposits have their own attraction, it is necessary to know which is better.

Fixed deposits are a onetime investment option where you will devote all your funds at a single time. If you opt for recurring deposits, you will have to invest your funds regularly over a period of time. The procedure of the fixed deposit is very easy and it is considered extremely secure.

The interest rates on fixed deposits are high which enables you to earn high returns. Interest rates offered by different banks on fixed deposits differ. They also depend on the funds you invest plus the tenure of your investments.

How to Invest in FDs

If you are going for banks fixed deposits, banks offer you an insurance worth INR 1 lakh. In case you are investing a huge amount then this can sound a bit low. So, here you can split up the surplus amount that you have and invest these split up amounts in various different investment options or fixed deposits. This will not only make sure that you do not go broke if you face a loss in an investment, but it will also give you a higher rate of returns.

This can be also done when you want to earn high returns. You can simply split your amount and deposit into different FD accounts as this can give you high returns over your lump sum amount.

Withdrawing from an FD

Withdrawing your funds from a fixed deposit is difficult as FD restricts you from withdrawal. In the case of withdrawing your funds, you need to break your FD which can cost you a penalty to the bank and will also make your interest rates low.

But in a case of financial emergency, you can use the overdraft facility as this allows you to withdraw up to 90% of the amount of your account. You can simply write a cheque and withdraw the amount. But, here you have to pay the interest on the amount you withdrew on the last day of your overdraft.

Also, you must know that fixed deposits offer a fixed interest rate which remains constant irrespective of the market conditions. The interest doesn't change, unlike the mutual funds which get affected by market conditions.

Also if you have invested in tax-saving fixed deposits which come under the Section 80C, you will be eligible to claim tax benefits. The interest helps you save a major sum of tax. The tax is deducted to the only ones who have an interest rate above INR 10,000.

If you are a senior citizen you will be benefiting with higher interest rates on FD than others. Also, you may earn higher returns if you go for reinvestments. Thus, investing in a fixed deposit can be a safe and beneficial option for investing your funds.

Do You Have A Debt To The Federal Government

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After you throw the cap and gown into the air and strut down the aisle, you may not be thinking about the debt you will have to repay. It comes in the form of a prepayment booklet of sorts in the mailbox.

Finding yourself in debt is not a fun experience for anyone, but finding that you owe the government money and are behind in the payments can be devastating. For those facing bad federal debt, relief may be available in many forms, but caution must be exercised when deciding which road to travel. Some of the avenues with signs pointing to bad federal debt relief may simply be a detour to additional financial anxiety.

There are two major areas that can produce federal debt for individuals, being behind in paying their income taxes and defaulting on federal student loans. Legal troubles can also add to the debt if federal fines have been added to a criminal history. However, for the vast majority of individuals bad federal debt relief is about finding ways out of owing tons of money in past due taxes and fines as well as over due education loans.

While bankruptcy is the most efficient tool for eliminating unsecured debt, new federal laws, as well as the old ones, do not allow for bad federal debt relief on money owed for taxes and defaulted school loans. There are certain circumstances in which a portion of past due taxes may be included in a petition for bankruptcy, but a lot depends on how long the debt has been owed and amount that has accumulated.

There is No Such Thing As A Free Education, we all wind up paying for it sooner or later!

In the recent past, many students would take out federally insured student loans for their higher education and after graduation, before they starting working would file for bankruptcy, leaving their Uncle Sam holding the bill for their education. Today, eliminating this bad federal debt relief on loans on which they have defaulted is considerably tougher. It is alot harder to walk away and not pay your dues. You borrowed it, now you must repay it. What you borrow in good faith must be repaid in the same way.

Before a student loan is even considered for bankruptcy, the student has to prove that being required to repay the loan would place them in a serious financial hardship. However, finding bad federal debt relief for student loans is often made tougher through bankruptcy, with the government arguing that with all other financial obligations removed through the court, the hardship of paying back the loans is reduced.

Similar to bad loans in the private sector, when dealing with bad federal debt relief it is best to be in contact with the office to which the debt is owed and try to make arrangements to minimize the affects of the potential collection process. In most cases, explaining how you arrived in the current position and what you are doing to recover is usually enough to find at least temporary bad federal debt relief. Don't ignore the notices, keep in close contact with them so they know you are not trying to abandonment your debt responsibilities.

Do Fast Loans Make A Difference during Crisis

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Availing a small loan makes a lot of difference especially when you are going through the financial contingencies and struggling to bring stability in your financial life. Actually, these loans are one of the quick and convenient alternatives to raise the funds for dealing with your ongoing financial crisis. In fact, these loans do provide instant financial respite to improve your current situation. Despite many hurdles, these loans give you a nice chance to bring a positive transformation in your prevailing circumstances.

However, the question is whenever you need cash right away, why you should prefer to take out the fast easy cheap loans? Time never remains the same and you cant always be ready to face financial hurdles in your life. Fortunately, when you face financial difficulty, these fast loans are the ideal way to come out of it. Actually, the loans are meant for temporary financial requirements. Here are some great reasons that clarify why these fast and cheap loans are perfect during the financial crisis:

1. Loans Are Easy To Access

Resolving the financial issues tends to get difficult if you are falling short on funds. In that case, the easy accessibility of these loans makes them attractive to the borrowers. The loans are provided through online transactions and can be the real life saver when you need to arrange cash instantly to fix the crisis. With the elimination of paperwork and faxing, you are not going to face any inconvenience in the way of deriving funds. Furthermore, the applicants are able to access these loans without pledging the collateral and this is what makes them the perfect solution for your financial needs.

2. Flexible Loan Option with No Obligations

With the rising financial crisis, most people find themselves unable to tackle the financial issues. While dealing with issues related to the cash shortage, every individual wants to avail loans without guarantor and no credit check process. This is where fast and easy cheap loans come in handy. With no obligations of having a guarantor, accessing loans for those with zero borrowing history and poor credit rating is never a tricky process. In fact, the loans have the flexibility to adjust into every need and demand of the borrowers.

3. Bad Credit History is Acceptable

In todays time, there are many people, who believe that they cant get a loan just because their credit score is not good. Time has changed now and bad credit history is acceptable when it comes to availing a loan. But in general cases, these loans come with comparatively a bit high rates of interest. Now do not give up on your hope because the repayments are surely flexible. And with easy repayments, you can make the payments on time and soon your credit score will be improved.

4. You Are Eligible For Loans If You Are Unemployed

Like good credit score, having a steady job is not necessary for availing these loans. Instead of looking for any other loan, acquiring funds through these loans for bad credit people with no guarantor and no fees in an unemployed situation is the better way to move ahead. What you have to do is to look for the right alternative that can help you boost your financial situation as well as your credit performance.

If you are searching for the credible loan option, you should prefer to search online. While searching online you will have a great chance of getting the most suitable loan option. Therefore, if you really want to bring a difference in your apparent circumstances, then be careful while choosing any loan product.

Divorce Law An Introduction

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Divorce is a complex area of the law, and one that varies depending on the jurisdiction in which the case is being hears, which is usually the jurisdiction of domicile for the defender or defendant in the given action. Whilst no two sets of divorce laws are identical across jurisdictional borders, most abide by certain general principles and overarching rules that should be considered when embarking on pre-divorce haggling and the court process itself, wherever you live, to avoid any dissatisfactory outcome or to prevent disappointment following the court order when it is finally granted at the end of the case.

Grounds For Divorce
Most jurisdictions require that before a divorce can be sanctioned, there be a reason for the divorce that is both legally valid and accepted. Common grounds for divorce include adultery, the commission of a crime against the other spouse, or more commonly some general provision about the unworkability of the marriage, whether as a result of a gradual deterioration in personal relationships or simply as a result of a significant row or fight. Of course where this is disputed the court will look into the matter and rule accordingly, although most jurisdictions do now have some form of general, uncontestable provision like a simple 'breakdown of marriage' clause.

Length Of Marriage
In most instances there will be a minimum default length of time marriages must run for before a divorce can be sanctioned. Whilst in certain occasions there are no minimums, most jurisdictions impose a two year rule, or a five year rule, by which the court must abide in granting any decree of separation. This is designed to protect the sanctity of marriage to at least a certain degree and to ensure that people do understand prior to getting married that there is a legal tie-in period, on public policy grounds. However this area of divorce law in particular is rapidly changing, and may ultimately find itself out of favour worldwide.

Fairness
In terms of any settlement there is usually an overriding principle of fairness adopted by the courts in working out who gets what. Of course there may very well be strict legal rules as to what is decided but, particularly in common law systems, there is an overall consideration of what is fair on both parties and what is just or equitable given the circumstances of the split. Obviously as an area of personal life, the courts will look to attempt to gain the best possible ground for both parties, even where one party is staunchly opposed to the other gaining any ground whatsoever. For this reason it's probably best to save everyone the hassle and agree on something that is objectively fair from the outset.

Division Of Property
Of course, one of the major issues arising from divorce is that of division of property. Whilst it is different in each jurisdiction, the higher earner or higher net wealth spouse can expect to lose out overall to the other spouse, provided there have been no pre nuptial agreements drafted to the contrary. As a result, it's again probably best to go for an out of court solution if you think this may end up affecting your financial health.

dinCloud Acquired by Premier BPO

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Premier BPO CEO Mark Briggs to Lead dinCloud as New CEO

Clarksville, TN February 6, 2018 dinCloud, a cloud platform for hosted workspaces and cloud infrastructure, today announced its acquisition by Premier BPO, a leading business process outsourcing company, and the appointment of Mark Briggs as its new CEO. Agreement terms are undisclosed.

The strategic business move will allow dinCloud and Premier BPO to share their expertise and capabilities of IT outsourcing (ITO) and business process outsourcing (BPO) for customers as a broader portfolio, driving toward the concept of everything as a service. Both brands will continue to go-to-market within their respective areas of specialization: dinCloud will provide IT outsourcing of desktop virtualization, application publishing, and managed IT services; Premier BPO will provide back office support for sales and lead generation, inbound customer service, and data entry work for industries like telecom, transportation and logistics, and healthcare and medical devices.

Customers will benefit from a combined, global organization with a stronger balance sheet and over 600 employees worldwide.

Im excited to be a part of this group of companies, said Mark Briggs, chief executive officer of dinCloud and Premier BPO. During our diligence period, I found a number of benefits that customers of the combined companies will enjoy. Particularly around expanded choice, more security, and scalability.

More Choices for dinCloud Customers With a significant increase in resources, dinCloud will be able to offer customers more choice. In addition to network administration, patching and image management, monitoring services, and fully managed IT services, customers will be able to add-in other business processes. For example: billing and collections, cash flow analysis and accounting, procurement and customer service, as well as lead generation.

dinCloud Technology to Benefit Premier BPO Customers Premier BPO customers will benefit from a deeper technology base including cloud and Desktop as a Service (DaaS). Premier BPO customers already enjoy the safety of enhanced security features that will be further extended through dinClouds technology platform meaning further simplification of network complexity by utilizing virtual desktops that stay on the client network rather than providing Virtual Private Network (VPN) access remotely.

Mark Briggs, dinCloud CEO With over 20 years of executive experience in the technology industry, Briggs has an exceptional track record of achieving aggressive top and bottom line growth, creating shareholder value, and building market leading companies first-hand, holding various C-level roles throughout much of his professional career. Briggs has held the position of Premier BPO chairman of the board and CEO since founding the company in 2003.

New CEO Brings Customer Service Experience Prior to Premier BPO, Briggs was CEO of ClientLogic (now Sitel). Over a period of five years, the company increased revenues from $65M to $400M, the employee count from 1,200 to 13,000 people, and expanded from four to 42 locations in 12 countries. The company also received a $100M private round of funding in 2000. Prior to this, Briggs was CEO of SOFTBANK Services Group (who later became ClientLogic).

Former Ingram Micro CFO, Briggs is Dedicated to the Channel Mark was the CFO of the reseller division at Intelligent Electronics (IE was an IT distributor), and became CEO. IEs revenues increased from $300M to $3.7B in the six years under Briggs leadership.

Prior to IE, Briggs was CFO at Ingram Micro (the worlds largest IT distributor), and COO at Ingram Computer Services. At Ingram Micro, Briggs led the company through multiple financings. Revenues increased from $36M to $1.3B during his tenure at the company.

Our entire management team is excited to have Mark join and lead dinCloud. Marks reputation and track record in the channel will help take dinCloud to the next level, said Ali Din, dinCloud CMO. Combining resources will allow dinCloud to grow deeper in selected vertical markets, while adding additional, high-end services around DaaS. It boils down to providing customers choice by listening to the voice of the customer.

Briggs is a CPA and holds a BS in Business, Accounting from Austin Peay State University (Clarksville, TN).

Based in Clarksville, Tennessee, Premier BPO was listed as one of the Top 100 Outsourcers in a survey conducted by Global Services, and is one of the leading offshore service providers to businesses throughout the U.S. Premier BPOs wide range of services include back office services, call center services, financial services, knowledge process outsourcing, and more.

About dinCloud dinCloud is a Cloud Services Provider (CSP) that helps organizations simplify their use of technology via its cloud platform. Each customers hosted private cloud offers hosted workspaces and cloud infrastructure that the customer controls. dinClouds subscription-based services are tailored to fit a range of business models resulting in reduced cost, enhanced security, control, and productivity. Services are available through dinClouds network of Value Added Resellers (VARs) and Managed Service Providers (MSPs). Visit www.dinCloud.com, www.linkedin.com/company/dincloud, or follow @dinCloud on Twitter.

Product or service names mentioned herein may be the trademarks of their respective owners.

PR Contact: Angela Tuzzo MRB Public Relations 732-758-1100, ext. 105 atuzzo@mrb-pr.com

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Digital Currency Is Bullish, Investors Don't Have To Wait

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On wednesday (January 24th) in 2006, the digital crypto-currency has continued its upward trend since Tuesday, with total market value up $50 billion. In the last 24 hours, most of the top 10 digital currencies in the market value have seen a big increase, with NEO soaring by 22% , four digital currency like Stellar and Ethereum increasing by over 10% and bitcoin increased by 7.47%.The situation seems to reverse public pessimism about digital currencies and to remind investors that the emerging market is booming.Against all odds, digital currency remains standing still in the wind and rain.
Blue Sea, a promising market, has attracted more and more investors. The first generation of digital currencies, however, has a limited number. There are too many people queuing up for a place in the market, but only few can gain access to it. -Said that, investors don't need to worry, as emerging digital currencies have been increasingly developed to meet the needs of the market and users.Some may question that the new currency is not mature enough compared to the old counterpart,such as Bitcoin, and that public acceptance remains to be tested.However, on the contrary, each emerging currency was born on the basis of improving the technology of the original currency, which abandoned the original malpractice and combined the advantages of different old currencies. As a result, it can better meet the needs of investors.The author focuses on the lion chain,one kind of emerging currencies.

Lioncoin is abbreviated to LNC. Founded in June 2017, LNC is the sixth generation cryptographic digital currency developed by Alpha Blockchain Labs in the United States for three years. Alpha Blockchain Labs is made up of the core members of R&D teams including Litecoin, Ethereum and Rivabel, as well as professors and experts from several universities. The technical strength of the team is well recognized by the industry.In 2017, LNC received the dual digital encryption license for FCA and FINRA. After more than half a year of initial mining and certification, LNC will be officially launched in February 2018 for the global market.

Its total design is 99 million, far higher than the 21 million bitcoin.Among them, the initial 9 million were mainly sold through offline consumption or online subscription.In the later stage, LNC's exploitation volume will reach 90 million, which is mainly used for holding interest, promotion bonus and online activity rewards.

First of all, LNC employes the state-of-the-art hybrid blockchain technology, which pioneered the LNCAI smart contract system with an innovative "Pow + Pos" certification based on an optimized Scrypt algorithm. LNCAI is a protocol and recycle system based on P2P protocol + smart contract, which materializes the registration, confirmation, conversion, exchange, betting, circulation and other more complicated interactions on various digital assets.

This hybrid block chain has five layers, namely, application layer, contract layer, logic layer, data layer and security layer.The application layer provides the user with multiteminal-friendly application interface, which is convenient for the user to manage the assets.The contract layer adopts the joint venture contract and the joint control contract to issue and manage the assets. As the core of the algorithm, logical layer make logical judgments on user actions and determinie relevant behavioral instructions. The data layer uses the distributed account book + distributed computing technology to record the details of the distribution, consumption and exchange of assets, making the digital currency more transparent , compatible, more traceable and error-free.The security layer uses the military-level security defense algorithm to protect the digital assets of users.

LNC players generate blocks by contributing themselves or by promoting others' participation in contributing to the community's computational support. For each block generated,the original block will be rewarded with newly-produced LNC, while players play a role in maintaining and increasing their wealth through fair OTC transactions. At the same time, players can offline and online consumption in the global free trade platform and joined businesses independently developed by LNC, realizing the actual use of LNC scene.

The Lioncoin is not only a digital currency, an open platform, but also an industry standard. It can pay, accept and store any currency including fiat money such as the United States dollar, rouble, euro, RMB, virtual currency such as Bitcoin, Wright coin and indirect currencies such as gold, silver, and valuable financial derivatives.

Its core lies in the commercial application and the living payment. Connecting all kinds of merchants, such as basic necessities of food and clothing, food and drink, LNC is determined to build the global commodity free trade platform. In so doing, players with LNC can comsume anywhere in the world and LNC will generate value in circulation.

It can be predicted that LNC will become truly appliable digital currency with circulation value and investment value in the future.

Media contact
Company Name: Alpha Blockchain Labs
Contact Person: Justin Gardner
Address: Alpha Blockchain Labs, Washington, DC, USA
Tele: +1-320-402-2880
E-mail: ilioncoin@gmail.com
Website: http://www.lnc.io

did you get invited to the derek blasberg wedding

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Did you get invited to the derek blasberg wedding?

If you didn't get an invitation to the derek blasberg wedding, don't worry. Some questions still need to be answered before the final vows.

If you are reading this article, chances are that you know derek blasberg or you are just interested in the new york socialite community. In writing this article I pondered the thought if you are not really a wealthy member of the NY Socialite community, how long could you actually last, living in the expensive world of New York without getting married to someone who is?

Will derek blasberg's bride be a NY socialite from 10021 or someone from the midwest? Will Derek Blasberg be looking for a sugar momma, or will derek blasberg seek true love? Will derek marry someone older than him? While there are many more have not's in the world than those that do, many people want to know who will derek blasberg marry? Do New York anomolies like derek blasberg get married to NY socilaites, or forever remain as safe arm candy?

Lets look at why a 10021 New York socialite Upper East Sider might want to get married to derek blasberg:

1. does derek blasberg have better invites and better access to socialite events then them?
2. Is derek blasberg more liked than the real 10021 new york socialites with family money?
3. Is derek blasberg a drawing card of attention, for anyone who he shows up with, giving his wife or date equal attention?

Will a NY Socialite say YES to a man without financial worth? Besides dating or being seen with derek blasberg, or acting like a neutral and safe date, Is there any more value in him? Even if he could influence the writing of an article or photoshoot for his NY socialite fiance in a well read periodical by NY socialites like vogue or vanity fair, is this enough value? If you try to define and compare derek blasberg to NY writers of the past who hung out with NY socialites like truman capote, than derek is not in the same league as far as talent as a writer.

Then there is the question of derek blasberg being gay? What is his sexual preference when the patrick mcmillen camera is off of him? Is lyle maltz his lover, because lyle maltz is seen with derek blasberg at many socialite events together. Is lyle maltz a real NY socialite or someone like derek blasberg who does not really belong? Does derek blasberg belong? If derek blasberg is just a mid west boy from a fly over state, does that mean anyone can move to new york and become a ny socialite? The answer is YES!

This is two in a series of articles written about NY Socialite derek blasberg by socialite publicist rob tencer from rob tencer socialite public relations.

Devo E No Nego, Mas No Consigo Pagar!

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Venha fazer amizades e conhecer pessoas com as mesmas afinidades. Os mtodos que voc ir aprender so constituido de experiencias pessoais e muita pequisa para chegar ao pontoQUASE certeiro. fato sempre foi direcionado a mtodos funcionais para todos,no importa grau de dificuldade no relacionamento, mas isso no existe.

Cid recomenda que os soldados , civis e membros da famlia que se deparar com qualquer conhecido redes sociais suspeito ou perfil site de namoro ou so solicitados nesta forma de uma pessoa se passando por um soldado dos EUA, enviar e-mail imediatamente CID em @ mail mil.

Mas numa das vezes uma mocinha dentro do avio puxou papo comigo, e disse que estava com medo da imigrao e foi contando sua histria. Dava pra perceber que ela no estava indo bem intencionada pra Europa. Na hora de sairmos da aeronave ela me pediu para que passasse com ela na Imigrao, alegando que no falava espanhol e queria que algum falasse por ela.

Isso vai tepermitir que voc veja a si mesmo atravs dos olhos de um outro homem que voc acha interessante e atraente. Cabe a voc decidir aonde isso pode levar. E tambm vai te ajudar a lembrar que homem com quem voc est intimamente envolvida na sua outra vida" no est vivendo como um monge com sua esposa.

Conheci Clube dos Poupadores em 2014 quando estava pesquisando sobre investimento em LCI e LCA. Na poca, eu queria outra opo mais rentvel do que poupana e eu ficava perdido entre tantas opes de renda fixa.

Desde 2007, uma tendinopatia patelar nos dois joelhos incomodava nadador. esforo contnuo foi piorando problema ao longo dos anos. pice da leso foi justamente em 2012, no ano dos Jogos Olmpicos de Londres. A dor era constante, e problema comeou a ameaar a performance do nadador. A soluo definitiva, a cirurgia, no entanto, precisou ficar para depois da competio da Inglaterra. Nadando com os joelhos debilitados, Cielo no conseguiu bicampeonato nos 50m livre, mas levou a medalha de bronze.

relacionamento com essas pessoas foi uma via de uma mo, ondeeu fiz de tudo pra que funcionasse e que algum tipo de amizade, mesmo que rasa, crescesse. Dei tudo de mim enquanto pude, e conforme os anos passaram pouco de energia que sobrou usei para me manter viva, mas chegou um momento que parei de fazer por essas pessoas.

Em Nome de Jesus, atravs dessa Orao Poderosssima, declaro que todas as minhas dvidas, angustias, aflies sejam dissipadas da minha vida, da minha Famlia e meus familiares, e de todos os que fizeram.

Ento, primeiramente precisamos saber em qual das fases voc est nesta conquista. Se na primeira, quando voc tem atrao ou desejo por um cara, e quer despertar mesmo sentimento nele. Na segunda, que vocs j se conhecem ou at mesmo j rolou alguns beijinhos, e voc quer agora transformar isso em algo mais srio. Na terceira, vocs j tem algum tipo de compromisso, porm voc descobriu que este homem da sua vida, ento voc gostaria de artimanhas para conquist-lo de vez, e passar resto da vida ao seu lado.

Definition Personal Finance Budget

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A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment. Past spending and personal debt are considered when creating a personal budget. There are several methods and tools available for creating, using and adjusting a personal budget.

Purpose

A budget should have a purpose or defined goal that is achieved within a certain time period. Knowing the source and amount of income and the amounts allocated to expense events are as important as when those cash flow events occur.

Simplicity

The more complicated the budgeting process is, the less likely a person is to keep up with it. The purpose of a personal budget is to identify where income and expenditure is present in the common household; it is not to identify each individual purchase ahead of time. How simplicity is defined with regards to the use of budgeting categories varies from family to family, but many small purchases can generally be lumped into one category (Car, Household items, etc.).

Flexibility

The budgeting process is designed to be flexible; the consumer should have an expectation that a budget will change from month to month, and will require monthly review. Cost overruns in one category of a budget should in the next month be accounted for or prevented. For example, if a family spends $40 more than they planned on food in spite of their best efforts, next month's budget should reflect an approximate $40 increase and corresponding decrease in other parts of the budget.

"Busting the budget" is a common pitfall in personal budgeting; frequently busting the budget can allow consumers to fall into pre-budgeting spending habits. Anticipating budget-busting events (and underspending in other categories), and modifying the budget accordingly, allows consumers a level of flexibility with their incomes and expenses.

Budgeting for irregular income

Special precautions need to be taken for families operating on an irregular income. Households with an irregular income should keep two common major pitfalls in mind when planning their finances: spending more than their average income, and running out of money even when income is on average.

Clearly, a household's need to estimate their average (yearly) income is paramount; spending, which will be relatively constant, needs to be maintained below that amount. A budget being an approximate estimation, room for error should always be allowed so keeping expenses 5% or 10% below the estimated income is a prudent approach. When done correctly, households should end any given year with about 5% of their income left over. Of course, the better the estimates, the better the results will be.

To avoid running out of money because expenses occur before the money actually arrives (known as a cash flow problem in business jargon) a "safety cushion" of excess cash (to cover those months when actual income is below estimations) should be established. There is no easy way to develop a safety cushion, so families frequently have to spend less than they earn until they have accumulated a cushion. This can be a challenging task particularly when starting during a low spot in the earning cycle, although this is how most budgets begin. In general, households that start out with expenses that are 5% or 10% below their average income should slowly develop a cushion of savings that can be accessed when earnings are below average. Whether this rate of building a cushion is fast enough for a given financial situation depends on how variable income is, and whether the budgeting process starts at a high or low point during the earnings cycle.

One approach is to live on last month's income. This way when budgeting for the month a person will know exactly how much they have available. However, in order to do this, a family would have to do everything within their power to avoid spending any of their income for one entire month. Another option would be to use some money that has already been saved.

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Definition Financial Prosperity

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Don't just dream of a lifestyle, it's time to go and possess the financial prosperity you have always wanted.

The first thing you need to do is take responsibility for you financial future, and understand that it is not your employer's responsibility to make you rich. After you have taken responsibility for yourself the other principle is Change. The way you think about your finances your whole mind set has to change because we have not been taught what the rich are taught.

The definition of insanity is doing the same things and expecting a different result. You cannot achieve financial prosperity doing the same things over and over again. There must be a change in thought, in words and in your actions if you ever want to access financial freedom.

I strongly recommend that you read "Rich Dad Poor Dad" by Robert Kiyosaki. I suggest You make this the first step toward your financial freedom.

This book literally changed my life in terms of the way I think about money. You Will begin to see where you are in your own financial position, and actually realize why the rich are rich and you are not.

In particular it will show you why people go from job to job. Why people get angry with their boss for not giving them raises. I am sure you will even see a little of yourself in this book as well. Like me, you are going to wish that you had read it years ago.

I know it seems like prosperity is only a dream to you because of the insurmountable debt that you are dealing with . And whether it is because of impatience or life's happenstance , it is something that you have got to deal with.

And I can help you in this area if you are disciplined and focused you can achieve your goal.

Realize that as long as you work for someone else you will never acquire financial prosperity, Unless you work for a major corporation in the upper echelon. Let's face it, how many of us are there?

So in order for you to achieve the financial abundance that you now only dream of you have to take action. You see Money is called currency which means that it flows. So in order for money to flow your way you have got to create an avenue or pipe-line for it to flow through to you.

You don't earn it, you create it.

Definition Financial Market Structure

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Financial Market Structure
In economics, a financial market is a mechanism that allows people to easily buy and sell financial securities, commodities, and other fungible items of value at low transaction costs and at prices that reflect the efficient market hypothesis.

Financial markets have evolved significantly over several hundred years and are undergoing constant innovation to improve liquidity.

Both general markets and specialized markets exist. Markets work by placing many interested sellers in one "place", thus making them easier to find for prospective buyers. An economy which relies primarily on interactions between buyers and sellers to allocate resources is known as a market economy in contrast either to a command economy or to a non-market economy that is based, such as a gift economy.

Financial markets facilitate:

* The raising of capital
* The transfer of risk
* International trade

They are used to match those who want capital to those who have it. Typically a borrower issues a receipt to the lender promising to pay back the capital. These receipts are securities which may be freely bought or sold. In return for lending money to the borrower, the lender will expect some compensation in the form of interest or dividends.

Financial markets could mean:

1. organizations that facilitate the trade in financial products. i.e. Stock exchanges facilitate the trade in stocks, bonds and warrants.

2. the coming together of buyers and sellers to trade financial products. i.e. stocks and shares are traded between buyers and sellers in a number of ways including: the use of stock exchanges; directly between buyers and sellers etc.

In academia, students of finance will use both meanings but students of economics will only use the second meaning. Financial markets can be domestic or they can be international.

Types of financial markets

The financial markets can be divided into different subtypes:

1.Capital markets which consist of:
* Stock markets, which provide financing through the issuance of shares or common stock, and enable the subsequent trading thereof.
* Bond markets, which provide financing through the issuance of Bonds, and enable the subsequent trading thereof.
2.Commodity markets, which facilitate the trading of commodities.
3.Money markets, which provide short term debt financing and investment.
4. Derivatives markets, which provide instruments for the management of financial risk.
*Futures markets, which provide standardized forward contracts for trading products at some future date; see also forward market.
5.Insurance markets, which facilitate the redistribution of various risks.
6.Foreign exchange markets, which facilitate the trading of foreign exchange.

The capital markets consist of primary markets and secondary markets. Newly formed (issued) securities are bought or sold in primary markets. Secondary markets allow investors to sell securities that they hold or buy existing securities.

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