Monthly Archive: July 2017

Structured Settlements Lump Sum Cash Out #structured #settlement #purchasers

Structured Settlement Annuities in Clarksville

To find structured settlement buyers you do not have to look very far. However, you do need to be aware that they are not all equal. Educating yourself on the pros and cons first and then comparing quotes should be a top priority if you think you would like to cash out part or all of your income stream from your settlement annuity. There are important considerations outlined here on this site. Please take a moment to review the highlights before making your final decision. Structured Settlement agents or consultants provide services to the defendants and their counsel, plaintiff attorneys and the injured parties and their families through the whole settlement process in order to determine the needs of the injured victims and, if appropriate, the proper amount of money to pay the victims.

Structured Settlement Defined

Structured settlements are a modern day and guaranteed process of paying damages to injury victims in legal disputes. It is a deliberate agreement made between the injured victim and the defendant. It creates a regular and periodic stream of income paid to the injured party through the purchase of an annuity by the defendant and issued by a premium rated life insurance company. Or, an alternate funding option can be accomplished through the purchase of U.S. Treasuries.

Favorable tax treatment by the IRS is one of main reasons that injury victims are encouraged to use structured settlements as opposed to a lump sum payout. Attorneys, legislators, judges and disability advocates are also proponents of this financial instrument for injury victims. The Periodic Payment Settlement Act of 1982 was enacted by the U.S. Congress (Public Law 97-473) and formally recognizes and encourages the use of this kind of instrument to settle physical injury cases and wrongful death suits to provide security and guaranteed long term, tax free income to victims. Find Structured Settlement Buyers in Kingston, NY 12401

Structured Settlement Annuities are Safe, Secure and Highly Regulated in
Clarksville, IN

These annuities have a long history of being very secure. Over the past twenty years their security has improved in numerous ways. Some examples are; minimum capital and reserve requirements, mandatory and spontaneous audits, and homogeneous investment guidelines to name just a few. It is a State responsibility to regulate life insurance companies doing business within the State. Each State implements rules that minimize the risk that an issuer of these instruments will become insolvent. The rules are set forth in such a way as to maximize the safeguards for annuitants in the unlikely case of an insurance company becoming insolvent.

Structured Settlements funded by annuities and all brokers of these policies are also regulated by the state insurance commissions. In addition, structured settlement consultants and the companies that provide them comply with at least seven Sections of the U.S. Tax Code that pertain to these policies (Section 104(a)(1), 104(a)(2) and 130. 451, 461(h), 83 and 5891).

What to Know Before Selling Your Structured Settlement in Clarksville, IN

If you are thinking about cashing out your income stream for a lump sum payout there are some important considerations that you should make beforehand. First of all, ask for counsel from a trusted attorney. If you do not currently have an attorney, then at the very least, call the firm or attorney that originally negotiated your case. If you are not able to get in touch with that individual, then try contacting your State Attorney General.

Currently, 48 States and the Federal Government have passed consumer protection statutes that create strict requirements for these sales. Under the Federal law, court approval and oversight are required for injured parties who wish to sell their payment streams to a third party company.

Benefits of Selling Your Structured Settlement Annuity

A structured settlement is specifically designed to meet the needs of the plaintiff or injured party at the time it is created. But what happens if the installment arrangement no longer adequately accomodates the injured victim? If you need money for a large purchase or other expenses, you may wish to consider selling part or all of your settlement. Many companies purchase partial or all remaining periodic payments for a lump sum payout. This can boost your cash flow by providing funds you can use immediately to buy a home, pay college tuition, invest in a business, pay off debt or whatever you might immediately need.

Understanding Discount Rates

Before you decide to cash out, make sure you are aware of the fact that you will be discounting your future payment stream. For example if the future value of your settlement is $100,000 and you decide to sell today, you will be offered something less than $100,000. The discount rates can vary wildly from one company to the next. You may see discounts as low as 10 to 12 percent and as high as 30 percent. Obviously, you will want to make several side by side comparisons before making your decision. And, as mentioned earlier, the law requires that all sales be court approved in advance of the sale taking place. Typically judges tend to safeguard the interests of the selling party and avoid approving predatory discount rates charged by some of the less reputable buyers. As a seller, the judge also has the right and obligation to ask you questions with regard to your motivations for wanting to sell. The judge will make a determination about whether the transfer or sale will serve your individual needs as well as the best interests of any affected dependents and other family members. All of the aforemenitioned precautions are for your safety and security when comparing structured settlement purchasers in Indiana.

Structured Settlement Factoring

Clarksville. Indiana 47129

Adventure Medical Kits Travel Medic #travel #medic



This pocket-size travel first-aid kit has everything you need to relieve the pains of traveling. Except for a quicker way through security lines!

  • Features six Extra Strength Tylenol® tablets, two antihistamine (diphenhydramine 25 mg) and four antacid tablets
  • Includes two knuckle and butterfly closure bandages, three After Cuts & Scrapes® wipes, two triple antibiotic ointments, three wash-up towelettes
  • Also includes one 4 x 3-inch piece of moleskin, two safety pins and three 3 x 1-inch adhesive bandages
  • Packaged in a waterproof polyethylene sleeve

REI membership


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Addiction behaviors checklist #addiction #behaviors #checklist


Common Symptoms and Behavior of Addiction

The Commonalities of Addiction

Every addict is unique, but there are observable traits that such individuals tend to share. Being aware of the common symptoms and behavior of addiction can be helpful because it makes it possible to indentify people who may have addictions. It also makes it easier for the individual themselves to determine if they have a problem, which may be something they are ignoring because of denial. There are many types of addiction, but there are certain commonalities that tend to link them all.

Addiction Defined

The word addiction tends to be overused and this has meant that it has lost some of its meaning. In common speech people will use this term just to describe liking something a lot. Even among the experts there can be disagreement about exactly what is mean by addiction .

One way to describe addiction is as a physical and psychological dependence upon a mind-altering substance. This definition excludes many types of behavior such as gambling and other compulsive behaviors. A more inclusive definition of addiction describes it as a compulsion and dependence that can occur in relation to any substance or behavior.

Psychological Dependence

To say that an individual is psychologically dependent means that they experience cravings. It also means that even the idea of not using the substance, or engaging in the behavior, will cause them discomfort. They now feel that they need this crutch to make it through the day. It may be difficult to imagine life without it. The individual with devote much of their time to thinking about the addictive substance. They may be in complete denial as to the extent by which this behavior is damaging their life.

Physical Dependence

Physical dependence only occurs with alcohol and drug addiction. The body changes in response to the persistent use of these substances. Tolerance increases and if the level of the substance falls too low in the body the individual will begin to experience withdrawal symptoms. In some instances these symptoms can be so severe that they prove fatal. Even people who are using prescription medication can develop physical dependence if they use the drug for long enough, and at a high enough dose.

Types of Addiction

It seems that every year there are new forms of addiction mentioned in the media. Some of the most common types include addiction to:

* Illegal drugs
* Alcohol
* Inhalants
* Prescription drugs
* Overeating
* Cigarettes
* Membership of cults
* Caffeine
* Chocolate and sugar
* Internet and TV
* Exercise
* Sex and pornography
* Gambling
* Anorexia and bulimia
* Work

Addictive Personality and Behaviors

It is a widely held belief that addiction is more likely to occur with certain personality types. While it is not an exact science there does seem to be certain characteristics that addicts tend to share. The addictive personality includes such traits as:

* High degree of tolerance for criminal behavior
* Prone to act impulsively
* Periods of depression
* Antisocial behavior
* History of attention seeking
* Low self-esteem and confidence
* An admiration for rebellious behavior
* Feels like an outsider
* Insecurity in relationships
* Anxiety
* They find it hard to wait for rewards

Common Symptoms of Addiction

Those who are addicted to substances or behavior may exhibit any of the following symptoms:

* Secretiveness and attempts to hide the extent of their addiction
* They can begin to lose interest in activities they previously liked
* Increasingly focused on the substance or behavior
* Lying and other unethical behavior
* Defensiveness
* Financial problems
* Criminality
* Work problems
* Family problems
* Loss of interest in personal hygiene and grooming
* Unexplained disappearances
* Mood swings
* Depression
* Suicidal thoughts

Those who are addicted to alcohol or drugs can also exhibit the following common symptoms:
* Paranoia
* Slurred speech
* Inability to concentrate
* Blackouts and other types of memory loss
* Manic behavior
* Excessive talking
* Illogical thinking
* Hallucinations
* Withdrawal symptoms
* Frequently ill from the night before
* Accident proneness and clumsiness
* Easily agitated

Begin your journey today. Enroll in DARA Thailand’s First Step 7-day Program

DARA Thailand is Asia’s premier and leading international destination for drug rehab and alcohol addiction treatment. If you or a loved one needs help with addiction, please contact DARA Thailand today. Admissions counselors are available 24/7.

Recent Articles

Admissions and Financial Aid #waynesburg #university #mba


Admissions and Financial Aid

Admission Requirements

Admission requirements for Walden s programs vary but generally include the following:

  • Official transcript(s)
  • Applicable test scores
  • Completed online application
  • Employment history
  • List of transfer credits

Doctoral Degree Requirements

  • A master’s degree or higher.
  • Three years of related professional or academic experience.
  • Select doctoral programs only require a bachelor s degree for admission.

Master’s Degree Requirements

  • A bachelor s degree or higher.

Bachelor’s Degree Requirements

Admission is considered for adult students who hold a high school diploma or its equivalent.

Applicants must also meet one of the following criteria:

  • You are 21 years of age or older.
  • You are less than 21 years of age with 60 quarter-credit hours.
  • You are an active member of the military or a veteran with documentation of service.
  • You are concurrently enrolled in an approved partner institution with an articulation agreement with Walden.

Walden s Transfer of Credit Process—As Easy as 1-2-3

Obtain an official transcript from your previous institution(s). We can help you with this and will even pay the transcript fee for you.

We will carefully review your previous coursework to maximize the amount of credits we can apply to your Walden program of study.

You will receive a preliminary transfer credit evaluation within three business days, including a summary of the courses that have been accepted for transfer up to the maximum credits.*

Additional Financial Aid Information

Tuition and fees vary by degree program because programs at Walden are tailored to the specific needs of professionals in each field. Fill out the form on this page or call 8552035779 8552031384 to get in touch with an enrollment advisor about your program of interest.

Let us help support you on your educational journey with more than $10 million in social change scholarships and grants. Click here to view our limited time tuition-savings offerings, or contact one of our enrollment advisors at 8552035779 8552031384 to learn more.

Walden University partners with ECSI to provide students with an alternative to paying full tuition at the beginning of each term. Through ECSI s monthly payment plan, you may spread the cost of your tuition over multiple months interest free. The ECSI plan is not a loan, and there is an enrollment fee.
Simplify your school expenses with:

  • Convenient monthly payments that allow you to pay tuition in manageable installments.
  • Multiple payment plan options, including some that can be combined with school loan programs (if available in your country of residence).
  • Interest-free payments, which may eliminate your need for loans.

General Considerations for International Students

  • English is the language of instruction. Depending on the language in which you earned your previous degree(s), you may need to submit test scores showing your level of English proficiency.
  • Walden University is not authorized to grant student visas for study in the United States.
  • To be admitted, you need the equivalent of a high school diploma, associate degree, bachelor s degree, or master s degree from an appropriately accredited non-U.S. institution or a U.S. school accredited by a regional, professional/specialized, or national accrediting organization recognized by the Council for Higher Education Accreditation (CHEA) or the U.S. Department of Education. You may have your transcript(s) evaluated free of charge by Walden. This evaluation will only be valid for application to Walden.
  • Applicants requesting transfer of credit must have their transcript(s) from outside the United States certified for equivalency to U.S. degrees or coursework. Walden offers this service for free.
  • International applications are due at least eight weeks before the U.S. application deadline, so please plan accordingly.
  • You will need regular access to a computer with an Internet connection (1.5Mbps or higher due to streaming media needs).

How to Negotiate With the IRS Over Back Taxes #tax #settlements #with #irs


How to Negotiate With the IRS Over Back Taxes

This week, Gail offers tips on how to settle your I.O.U. with Uncle Sam.

Let’s say that back in 2004 you exercised stock options that by the end of the year were worth less than what you paid for them. Or, maybe you simply forgot to report that time you hit the jackpot in Vegas. Or maybe your tax preparer had you invest in one of those can’t-fail schemes that promised to give you a big tax write-off.

In early 2005 you spend your savings account to turn your basement into a home theater. Then in mid-summer your world starts to crumble. You get laid off. Your child needs and emergency operation and you no longer have health insurance.

A few months later you receive a letter stating that the way the IRS calculates your taxes, you actually owe the government $34,000 for the previous year. Since you have no cash, you send back a check for a few hundred bucks hoping the IRS will interpret this as a good faith effort.

In 2006 you find a job at half the salary and are able to again (barely) cover your mortgage payments. However, to make ends meet during the period you were unemployed, you maxed out your credit cards. Collection agencies are hounding you. The IRS repeatedly reminds you of the obvious: you owe Uncle Sam a bunch of money from the year before and interest charges are being assessed.

Since you needed as much money as possible in order to throw an occasional check at your creditors, you didn’t have enough tax withheld from your paychecks last year. As a result, your (new) tax preparer informs you that you owe an additional $9,000 in federal income tax. By this time, you’re so far in the hole you can’t afford to include a check when you file your return.

The IRS notices keep coming. Since you don’t know what to do, you take the ostrich approach: you stuff them in a drawer. But you’re a nervous wreck. You’re sure you’ll show up for work one day and an IRS agent will be waiting for you.

Then, one sleepless night you stumble downstairs, turn on your 60-inch plasma screen TV and (in surround sound) hear the answer to your prayers:

Settle your back taxes for pennies on the dollar!

The actor in the ad describes something called an Offer in Compromise, explaining that this allows you to wipe out your tax bill by making an offer to the IRS of an amount that you feel are able and willing and able to pay. How civilized! The ad even includes a testimonial from Joe in Fargo who was able to discharge (the legal term for erase ) $200,000 in taxes by paying just $2,000, or some other amazingly puny amount.

Although you feel slightly stupid for not knowing about this sooner, a huge weight is lifted from your shoulders. The company sponsoring the infomercial will even help you fill out the paperwork — for a fee, of course. But who cares if you can wipe out your back taxes. You rush upstairs and wake your spouse to share this wonderful news.

Now here’s a little reality check.

Offers in Compromise have been around for years. But attorney Mike Goller at the Milwaukee firm of Reinhart Boerner says in order to literally settle your tax bill for pennies-on-the-dollar, you really have to be poor .

If you have no equity in your home, don’t own any assets or investments, and are not likely to earn enough to ever pay back your debt, the IRS will settle for a small amount of money just to save the cost of seizing whatever paltry assets you do own.

However, Goller says, If you’re upper middle class, the IRS will want a big chunk of your assets. Moreover, generally it’s not how much you owe. it’s how much you can pay .

And that is determined, not by you, but by the IRS.

In other words, don’t think for a second that you get to pick a number out of the sky and submit this as your offer. (Forget about proposing that your settlement be a percentage of your outstanding tax debt. That won’t fly at all.) There’s a formula that determines how much you can theoretically afford to pay. You arrive at this amount by filling out two IRS worksheets — Form 656 and Form 433-A (businesses would use Form 433-B). These require you to list the value of your assets, including your home, as well as all of sources of income. Everything must be documented.

After the paperwork is submitted to the IRS the fun begins. Government examiners will review your numbers. According to Goller, they could agree that your offer is acceptable, or they could come up with a different amount and kick it back.

You might have to negotiate what your future wages will be and/or the current value of your assets. This is where the compromise comes in.

Say you estimate your house is worth $200,000 and the IRS says it’s worth $300,000, says Goller. That’s a $100,000 difference in equity.

Oh, and that company you hired to fill out the forms for you? Don’t assume they’re going to help if you reach the negotiation stage. Read the fine print: it might say that their only obligation is to complete the original paperwork.

Here’s the good news: you don’t have to pay someone else $5,000-$10,000 to file an Offer in Compromise. You absolutely can do this yourself, according to Goller. Besides, wouldn’t you be better off if that money went toward reducing your tax bill, instead? The forms and instructions can be downloaded from the IRS website, .

The number of Offer in Compromise submissions has increased significantly in recent years (those infomercials are apparently quite effective). Goller says one reason more folks are filing them is that once it receives your offer, generally, the IRS will stop its collection activity.

Translation: if the IRS is about to garnish your paycheck, filing an Offer in Compromise can put that on hold.

In order to reduce the volume of bogus Offer in Compromise requests (presumably by people who could afford to pay up, but want to postpone doing so), in recent years the IRS has instituted a number of changes in how these are processed. One of the first was to slap a fee of $150 on every application.

Goller, an expert on this topic, says the IRS is also taking a very technical approach. If your paperwork is incomplete or if you don’t meet specific deadlines, your offer will be rejected. I’ve seen offers denied because they were a day late, he says.

His advice: read the instructions carefully, be sure the worksheets are complete and accurate, attach copies of all back-up documents required — bank statements, pay stubs, brokerage statements, etc.— and, by all means, observe all deadlines.

However, Goller say it’s the latest policy change that has sent a shiver through the legal and accounting profession: effective last July, anyone submitting an Offer in Compromise has to include a non-refundable partial payment for 20 percent of the amount they are offering as a settlement.

Say you owe $50,000 in back taxes and penalties. According to the way you value your assets, you figure you should be able to settle for $10,000. In addition to the $150 filling fee, you now have to include a check for 20 percent of this.

You scrape together your last $2,000 and hope you can get another $8,000, says Goller. The risk is that the IRS rejects the offer and keeps the money. So you still owe $48,000. Now you’ve got to negotiate a new amount.

According to Goller, most offers are lump sum settlements where the taxpayer agrees to settle up with the government in one or no more than five payments, usually within 90 days after agreement is reached with the IRS.

However, he stresses that those 90 days could be a year from now because of how long it takes to process your offer. In other words, you’ve got time to come up with the rest of the money.

If you choose the periodic payment method it’s more costly. Although you get to spread your payments over several years, you have to make payments each month — including the months you’re waiting for the IRS to review your offer. And, either way, you have to pay a good percentage of your offer up front, says Goller.

At this point you may be wondering why you shouldn’t just file for bankruptcy and get your back taxes wiped out that way. The simple answer is that it’s probably not possible.

Philadelphia attorney Stephen Ross, who does a lot of bankruptcy work, says that under Chapter 13 certain debts are non-dischargeable, i.e. you still have to pay them back. This includes child support, attorney fees, up to a year of mortgage payments, and taxes owed.

Filing under Chapter 7 erases more debt, but this does not include child support, student loans, or taxes — with one exception. If your back taxes are at least five years old and you filed income tax returns for those years this could be discharged under Chapter 7, says Ross.

The bottom line: if you find you owe taxes you can’t afford to pay, the sooner you contact the IRS and try to work out a deal, the better.

If back taxes are keeping you awake at night, try a glass of hot milk and an old movie instead of watching those infomercials.

Hope this helps,

AIGA, the professional association for design #graphic #design #community #college


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  • Evergreen Bank – Seattle Office on 301 Eastlake Ave E in Seattle, Washington (WA) #evergreen #bank #seattle


    Evergreen Bank – Seattle Office
    on 301 Eastlake Ave E in Seattle, WA

    Routing numbers

    Evergreen Bank – Seattle Office Seattle routing numbers are listed on this site along with more information about how to find your routing number. Call Evergreen Bank – Seattle Office for more information about routing numbers.

    Routing numbers to Evergreen Bank – Seattle Office in Seattle are collected manually from the banks official website or provided by the Federal Reserve Financial Services Database.

    Job Openings

    Open positions for Evergreen Bank – Seattle Office in Seattle.

    Evergreen Bank – Seattle Office Bank Hours (Business hours)

    These are the bank hours for Evergreen Bank – Seattle Office. Call (206) 628-4250 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

    Monday 8:30 am – 5:00 pm
    Tuesday 8:30 am – 5:00 pm
    Wednesday 8:30 am – 5:00 pm
    Thursday 8:30 am – 5:00 pm
    Friday 8:30 am – 5:00 pm
    Saturday closed
    Sunday closed

    Fees, interest rates and costs

    There’s currently no additional information available about fees or rates for Evergreen Bank – Seattle Office.

    Ask a question or leave a comment

    We’d love to hear about your experience. Did you suffer through long waiting times, unprofessional staff or high fees or were you treated with great customer service, the business hours you were expecting and a great overall experience? This is your chance to share your thoughts about this branch and help other consumers get the best banking experience in your city.

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    Share your experience

    We’d love to hear about your experience with Evergreen Bank – Seattle Office. Did you suffer through long waiting times, unprofessional staff or high fees or were you treated with great customer service, the business hours you were expecting and a great overall experience? This is your chance to share your thoughts about this branch and help other consumers get the best banking experience in Seattle.


    Evergreen Bank – Seattle Office 301 Eastlake Ave E
    Seattle, WA 98109

    Area Code: 206
    Latitude: 47.6210208
    Longitude: -122.3292863
    County: King
    FIPS county code: 53033 Ask question Write review

    Business hours

    Evergreen Bank – Seattle Office Bank Hours (Business hours)

    These are the bank hours for Evergreen Bank – Seattle Office. Call (206) 628-4250 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

    Monday 8:30 am – 5:00 pm
    Tuesday 8:30 am – 5:00 pm
    Wednesday 8:30 am – 5:00 pm
    Thursday 8:30 am – 5:00 pm
    Friday 8:30 am – 5:00 pm
    Saturday closed
    Sunday closed


    Phone: (206) 628-4250
    Fax: No listed fax number.

    Email address

    No listed email address.

    Areas of practice

    Evergreen Bank – Seattle Office is listed under Banks in Seattle, Washington. Pro tip Browse Banks & bank offices in Seattle, Washington by bank issue and category.

    Massachusetts Mesothelioma Attorney #massachusetts, #mesothelioma, #attorney, #what #is #asbestos, #what #is #mesothelioma, #asbestos #attorneys, #mesothelioma #attorneys

    Massachusetts Mesothelioma Attorney

    If you are a victim of mesothelioma you should contact a Massachusetts mesothelioma attorney and file a case against the companies that you worked for with asbestos contaminated job sites. Mesothelioma is a fatal condition and has no cure, it is caused by asbestos exposure and this exposure is due to the negligence of companies that exposed their employees to this harmful mineral, this is the reason why you should seek retribution for your pain and suffering by contacting a Massachusetts mesothelioma attorney and file a case. This condition also develops decades after asbestos exposure as it has a prolonged latency period. This makes it next to impossible to treat as a person is usually in an advanced stage of mesothelial cancer when mesothelioma is diagnosed.

    Massachusetts is one of the many states in America where deposits of naturally occurring asbestos can be found. In the case of this state, there are two main locations of the naturally occurring mineral; one is found near the Quabbin Reservoir close to the Harvard Forest, which happens to be the central part of the state. The second deposit is situated towards the western side of the state near Pittsfield, which is a rural area.

    Other than these two sites where asbestos occurs naturally, Massachusetts was also home to two asbestos mines. Ironically, both these mines can be found rather close to the natural deposits of the mineral, which tends to happen normally. One of these mines is situated in North Cambridge and the ownership is associated with a rather infamous name in terms of asbestos exposure, the WR Grace and Company. The name is linked to many cases of asbestos induced diseases reported as a result of the asbestos poisoning and exposure for which the company is solely responsible.

    Mesothelioma and asbestos:

    Mesothelioma is a deadly cancer of the mesothelial lining of the internal body cavities and the vital organs like the heart and the lungs. This cancer has no cure is often fatal within 18 months of acquiring the disease. Asbestosis and lung cancer are also caused by asbestos exposure. Asbestos [1] is a naturally occurring mineral which has been linked with mesothelioma and other asbestos related conditions such as lung cancer and asbestosis. It is a fact that asbestos is composed of very fine and minute fibers which can be easily inhaled or ingested into the human respiratory or digestive system from the atmosphere and can then causes deadly diseases. Hence, asbestos has been deemed dangerous for all workers, as well as their families, who are required to work with asbestos related materials or projects at their work site.

    Asbestos present in buildings:

    Many of the buildings in the state of Massachusetts were constructed decades ago. One of the core elements during the construction of these structures was asbestos and many people in the construction industry, workers and contractors alike acquired asbestos exposure working at these sites. The state of Massachusetts closely monitors all demolition and renovation activities making sure that the workers and residents are not exposed to further harmful effects of asbestos [2].

    Asbestos used as an insulation material:

    Apart from the construction industry, many factories also use asbestos for insulation purposes. One of the greatest properties of the mineral is that it does not conduct electricity and heat and therefore it is an effective thermal, chemical and electrical insulator. These include chemical factories, power generation plants, and steel mills among others. Workers in these industries are required to wear protective specialized suits for protection against elevated temperatures at the work sites. Ironically, these suits are made with asbestos linings as well for effective heat proofing, which may protect them against fire, but also exposes them to the risks of developing diseases such as asbestosis and mesothelioma. When these suits tear or rip, asbestos comes in direct contact with these workers. If you have worked at such a job site and developed mesothelioma, you should contact a Massachusetts mesothelioma attorney and file a case against the company’s negligence.

    Asbestos fibers are not only good insulators, but their other properties including high tensile strength, frictional resistance, acoustical insulation abilities, incombustibility and various other profitable traits, allowing them to become the material of choice in over three thousand and six hundred commercial materials and products. Majority of these properties such as insulation, fireproofing etcetera are used in the construction industry even today.

    Mesothelioma and asbestos related deaths in Massachusetts:

    Since the year 1979, approximately one thousand, three hundred and fifty five people have fallen victims to various diseases induced by asbestos exposure, leading to death in the state of Massachusetts. Out of these, almost 800 people were reported to have died of the rare lung cancer caused by asbestos exposure, known as mesothelioma. According to statistics, Massachusetts has received almost three thousand shipments of vermiculite from Libby, Montana. These shipments and their contents were then distributed among seven main locations within the state in Charlestown, Westminster and Cambridge. The city that received the greatest amount of vermiculite however, was Easthampton.

    Job sites with asbestos exposure in Massachusetts:

    One of most infamous names in terms of asbestos exposure and contamination in Easthampton is the Zonolite Company located on Wemelco Way. The company is enlisted with the federal government due to the excessive asbestos poisoning and exposure caused by it [3]. If you have worked at a similar work site that has caused you or a loved one to develop mesothelioma due to asbestos exposure, you should contact an experienced Massachusetts mesothelioma lawyer and file a case as soon as possible.

    Mesothelioma treatment centers in Massachusetts:

    The following treatment centers in the state of Massachusetts can be contacted for mesothelioma diagnosis and treatment:




    BOSTON MA 02115


    Advances in Technology Impact Veterinary Medicine – Veterinary Medicine at Illinois #vet #technology


    Advances in Technology Impact Veterinary Medicine

    3D printing is used so surgeons can practice a surgery before performing it on a live patient.

    Have you ever heard of 3D printing? This is a process in which a three-dimensional solid object is made from a digital model under the control of a computer. This technology is used in many industries, including architecture, fashion, aerospace engineering, and medicine. Dr. Stephen Joslyn. a veterinarian radiologist at the University of Illinois Veterinary Teaching Hospital in Urbana, explains the application of three-dimensional printing (or “Rapid Prototyping”) in veterinary medicine.

    3D printing is the process of creating 3D objects by a three-dimensional printer. A physical object is created layer by layer, as a liquid ultraviolet resin and an ultraviolet laser build each layer. The laser etches out the pattern and also cures and solidifies the layer. At the end of this process, a physical object is created.

    This modality can be used to print a model of an animal’s bones from a computed tomography (CT) scan. Dr. Joslyn explains that he uses the images from a CT scan and will isolate the bone in the image away from the soft tissue structures.

    Once he has a clear picture of the desired structure, in this case a bone, the image is sent to a printing lab. The lab makes the structure using a 3D printer and sends the printed bone to the veterinarian. In addition to printing bones, 3D printing can be used to reconstruct blood vessels as well as muscles and other organs. What are the advantages of using this technology in veterinary medicine?

    “3D printing is used so surgeons can practice a surgery before performing it on a live patient,” explains Dr. Joslyn. “Multiple copies of the tissue can be printed. In addition to surgical planning and visualization, owner education and veterinary education benefit greatly from the use of three-dimensional printed objects.”

    Additionally, because 3D printing has become less expensive since it was introduced in the 1980s, it is also a cost-effective means of making models.

    Technological advances are happening every day, and the implications 3D printing could have on the medical and veterinary field in the future are limitless.

    “In ten years I think every specialist hospital will have a 3D printer with the capability to print many things such as customized patient specific implants. Veterinarians in orthopedics will be using this technology all of the time,” suggests Dr. Joslyn.

    Dr. Joslyn and his lab are currently experimenting with printing in different types of materials to see which best represents an animal’s bone. He is also looking at different CT settings that may make it easier to optimize the images before they are sent to be printed.

    For more information about 3D printing, speak with a veterinary radiologist or surgeon familiar with this technology.

    By Sarah Netherton

    How to Prep for Laying a Patio or Path #laying #flagstone #pavers


    How to Prep for Laying a Patio or Path

    Just as walls require sound foundations for construction, surfaces such as patios, paths and driveways also require a firm base. Foundation depth and type is purely dependent on whether the area will be used only for walking on, or whether cars will be driving or parking on it. Other considerations include the need for adequate drainage, so that water is channeled away from the surface, and away from any walls and the house. As well as being functional, paths and patios have a role in garden design and are often made of decorative materials.

    Designing Paths and Patios

    You may already have a clear idea of where you want a path to lead or a patio to be situated, but take time to consider your options. As well as taking into account the hard landscaping itself, think about how the layout and materials fit in with the overall design and style of your house and garden. If your garden has an informal style, consider including some areas for planting, and staggering paving materials to soften straight lines. For a more formal area, choose geometric shapes to carry on the theme.

    Privacy is a key concern when planning a patio, because both you and your neighbors will probably prefer not to be overlooked. The exposure of a seating area is also important—a south- or west-facing area receives the most sun during the day and early evening.

    You can use garden paths to lead the eye to a focal point and to create interest, or they can be purely for access. Your choice will influence your design—a decorative path might take a winding route, while an access route is more likely to follow a straight line. You can use a single material to create paths, or mix different surfaces. Consider laying slabs or pavers in different patterns.

    Hard-landscaped areas are generally designed with some form of edging. If you are making a gravel path or using slabs or pavers laid dry on a sand bed, the edging will help prevent any lateral movement of the surface. Even if the slabs or pavers are bedded into mortar, an edge of some type provides the neatest finish. If a hard-landscaped area abuts a lawn, the edging should be lower than the lawn, so that you can mow over it. Treated lumber can be used or edging blocks bedded into a mortar strip. Treated lumber is the most straightforward to work with, does not require mortar and provides instant guidelines for leveling across a site.

    Utility Covers

    Never seal over any utility covers or other access points to underground services with any kind of hard landscaping. Either build around them or, if they are set very low, create an easily removable and well-marked panel in the surface above or raise the cover itself on a course of bricks. Engineering bricks are ideal for building up the level of a utility cover because of their strength.

    Damp-Proof Courses

    The top of an area of hard landscaping that abuts the house must be at least 4 inches below the damp-proof course in a masonry house wall. Any higher than this and splashes from falling rain can bridge the course and cause water problems inside.

    Laying Pavers and Slabs

    The pattern chosen for laying slabs or pavers is very much a personal choice. Manufacturers often provide good displays or brochures showing the various options. Some simple types of paver and slab design are shown below. Also remember that bricks can be used for paving. You can also buy cut or curved slabs to create alternative designs. Cutting such a curve yourself is practically impossible. Don’t forget that you can also pave areas with any combination of pavers, slabs, gravel and cobbles.

    Examples of Pavers


    You will need drainage around the edge of large hard-landscaped areas. Standing water near the house may soak into walls and cause mildew. Water on a paved surface can lead to the growth of algae and vegetation, making it slippery and dangerous—a problem for paving laid on a concrete slab or if mortar has been used. If pavers have been bedded onto sand, some water will drain down through joints and into the subsoil below. Always lay paths and patios with a very slight slope running away from adjacent walls.

    Establishing a Slope

    Over a small area, you can establish a slope to aid drainage by reducing the amount of mortar or sand under slabs or pavers as you move away from the house. For larger areas of hard landscaping, establish the correct slope in the foundations. A slope of 1 inch in 6 feet is sufficient.

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    The three nationwide consumer reporting companies have set up one central Web site, toll-free telephone number and mailing address through which you can order your free annual report. To order, click on, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. is only one online source authorized to provide free credit reports under the federal law. Beware of other sites that may look and sound similar. Consumers who order their free annual reports online must be sure to correctly spell to avoid being misdirected to other Web sites that offer supposedly free reports, but actually require the purchase of other products.

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    you ll have to go to the government approved internet website that is setup for that kind of purpose. You could find the site address through the search engines then typing in freeannualcreditreport or perhaps Free Yearly Credit Report Government and you will get the results you need. That government site won t request you to present any kind of financial data that lets you pay. You only need to fill out  your own name, your date of birth, your SS number, also previous and current  address to be able to access or view your credit report.“FreeCreditreport.Gov

    Once you fill out all the information needed, you’ll get the acces to see all the three reports ( from TransUnion, Equifax and Experian). You can only see this credit report Government once a year, so you better have your printer ready when visiting the web-site. Or there’re other way to get a copy of you free annual credit report government :

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    Thursday, January 7, 2010

    Credit Report: Looking in past days!

    How to Review Your Credit Report

    Review your credit report carefully when you receive it. Why?

    * Discover and correct errors: Credit reporting errors can cause your applications for credit, employment, or housing to be denied unexpectedly and unfairly. If possible, order and review your credit reports at least six months in advance of applying for a major loan to allow enough time to dispute any errors that you might find, and give you time to prepare an explanation for any remaining inaccuracies to a potential creditor.

    * Get a snapshot of how creditors see you: Lenders want to know how you ll perform as a borrower. Once you ve identified any weaknesses in your credit file, you can work to resolve them and improve your appeal as a borrower in the eyes of creditors.

    * Become aware of identity theft in its early stages: Most people don t know they ve been a victim of identity theft for months or even years after their identity is initially stolen. I was fortunate to discover that my identity was stolen after only 2 months. The sooner you recognize and address identity theft, the sooner you can minimize any damage to your credit and your finances. I keep tabs on my identity (since it was stolen) by monitoring my credit.

    What s in a Credit Report?

    Although each of the three credit reporting agencies uses a slightly different format, all credit reports contain the same four main types of information:

    * Identifying data

    * Credit history

    * Credit inquiries

    * Public information

    Identifying Data

    The identifying information in your report comes primarily from your past credit and loan applications. This section will generally include the following data:

    * Your full name, including any nicknames and suffixes (e.g. Jr. Sr. III) used to apply for credit

    * Your spouse s name, if you re married

    * Your Social Security number

    * Your birth date

    * Your current and previous addresses

    * Your current and previous employers

    Credit History

    The credit history is the most important section of your credit file. It lists every credit account opened in your name. Each listing contains the following information:

    * Name of creditor and account number

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    Because business records and other kinds of evidence are typically stored digitally these days rather than on paper, electronically stored information (E.S.I.) is at the heart of every case.

    That being said, a greater trail of evidence than ever before is generally stored across various digital devices. It also means that a high degree of technical expertise is needed to effectively harvest that information along with a significant arsenal of specialized forensics hardware and software.

    The good news is that such digital information, if processed properly and professionally, is potentially recoverable and useable for litigation and settlement purposes.

    With our specially trained forensic Engineers and Examiners, Digital Forensics Corp can locate and recover digital artifacts, such as phone logs, e-mails, texts, chats and other communications even if they have been hidden or purposely deleted.

    Computer forensics is essential for most litigation and settlement negotiations. Whether critical data is located on a laptop, cell phone, servers, tablets or other devices, our certified forensic engineers and examiners are trained to collect and analyze electronic evidence, employing stringent forensic protocols and best practices.

    Our technicians have been recovering data from damaged devices over a decade. Our certified engineers can rebuild broken drives and other devices, using parts harvested from our vast and carefully inventoried library of discontinued and rare drives from all over the world. Even drives that have experienced water or fire damage or have not worked in years can be taken apart and reconstructed by our skilled staff to recover your precious data.

    Importantly, all of our procedures are designed to ensure that your evidence is properly preserved and documented, in accordance with all relevant federal guidelines, so your digital forensics will be admissible and respected in a court of law.

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    Our state-of-the-art cleanrooms and broad arsenal of leading-edge forensic software ensure that your vital evidence is preserved properly in accordance with the latest regulations, documented and presented in a form that is compliant with recent case law.

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    How to Qualify for a Small-Business Loan in 5 Steps #qualifying #for #a #small #business #loan


    How to Qualify for a Small-Business Loan in 5 Steps

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    Qualifying for a small-business loan is easier when you’re prepared. Below is a to-do list that will help you qualify for the cash you need to grow your business.

    Whether you end up applying for an SBA loan through a bank or opt for an online small-business loan, you should be familiar with the requirements of each lender. Knowing whether you meet its criteria before you apply will save you time and frustration.

    How to qualify for a small-business loan

    1. BUILD personal and business credit scores

    Your personal credit score ranges from 300 to 850 (the higher, the better), and evaluates your ability to repay your personal debts, such as credit cards, car loans and a mortgage. The FICO score, commonly used in lending decisions, is based on five factors: your payment history (35% of your score), the amounts owed on credit cards and other debt (30%), how long you’ve had credit (15%), types of credit in use (10%) and recent credit inquiries (10%). Small-business lenders require a personal credit score for loan applications because they want to see how you manage debt.

    Get Your Free Personal Credit Score Every Week from NerdWallet

    • Open more doors for financing your business.
    • Set your goals and track your progress.
    • Signing up won’t affect your score.

    Paying your bills on time is crucial to building your score. But even if you pay your bills like clockwork, credit report errors could be damaging your score. One in 4 consumers identified damaging credit report errors, according to a 2012 study by the Federal Trade Commission. However, 4 out of 5 consumers who filed a dispute got their credit report modified, the study found. A follow-up study by the FTC found that 20% of those consumers saw a jump in their credit score after resolving errors. You can get a copy of your credit reports for free once a year at and dispute any inaccuracies you find through each of the credit bureaus’ websites (Experian, Equifax and TransUnion).

    Businesses that are more established and want to apply for bank loans can check out their business credit scores (which generally range from 0 to 100) at three business credit bureaus: Experian, Equifax and Dun Bradstreet. Check out these five steps to building business credit. and if you see any mistakes on your reports, contact the bureaus.

    More than likely, you’ll need an excellent business credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank; this will depend on the individual lender and business factors such as your revenue, cash flow and time in business. In general, online lenders look at personal credit scores but can be a bit more lenient when it comes to credit score requirements, as they place more emphasis on your business’s cash flow and track record.

    If you re looking for the best financing for your business, take our quiz to find your options.

    2. Know the lender’s minimum qualifications and requirements

    Meeting a lender’s minimum qualifications and requirements will make you a stronger applicant. Some lenders may offer some flexibility if you’re underperforming in one area but overperforming in another, but your best chance of getting approved is meeting or exceeding all of their minimums.

    Borrowers typically need to meet minimum criteria related to credit scores, annual revenue and years in business. And lenders generally frown upon recent bankruptcies and other past delinquencies.

    If you’re looking for loans backed by the U.S. Small Business Administration, you have to meet additional SBA loan requirements. Your business must meet the SBA’s size standards because these loans are only for small businesses. Borrowers typically need to have strong personal credit and business revenue, and must be current on all government loans with no past defaults. So if you’ve been late on a federal student loan or a government-backed mortgage, you’ll be disqualified.

    Your business must operate as a for-profit company and you can’t be on the SBA’s ineligible businesses list. which includes life insurance companies, financial businesses such as banks and real estate investing.

    Qualifying for online lenders can be easier. Although online lenders typically underwrite loans based on traditional factors such as credit scores, annual revenue and cash flow, the loans carry less stringent requirements than SBA loans. For example, some online lenders may qualify you even without strong credit or an established business, and the lender may be more lenient with a recent bankruptcy. On the downside, this speed and ease of qualification typically comes with a more expensive loan.

    3. Gather financial and legal documents

    Banks and other traditional lenders typically ask for a wide range of financial and legal documents during the application process. They can include:

    • Personal and business income tax returns
    • Balance sheet and income statement
    • Personal and business bank statements
    • A photo of your driver’s license
    • Commercial leases
    • Business licenses
    • Articles of incorporation
    • A resume that shows relevant management or business experience
    • Financial projections if you have a limited operating history

    These requirements can make getting a bank loan time consuming. That may not be an issue if you’re in the market for a long-term business loan to finance a major investment.

    However, if you need money faster, online lenders may be a better fit, as they can provide a streamlined online application process with fewer documentation requirements and faster underwriting. If you have good credit and strong business finances, some online lenders may offer you rates comparable to those for bank loans.

    4. Develop a strong business plan

    Lenders will want to know how you plan to use the money and will want to see that you have a strong ability to repay. They may require a solid business plan that details the purpose of the loan and how you expect it to increase profits.

    Your business plan should include current and projected financials, and clearly demonstrate that your business will have enough cash flow to cover ongoing business expenses and the new loan payments. This can give the lender more confidence in your business, increasing your chances at loan approval. Your business plan should include:

    • Company description
    • Product and/or service description
    • Management team
    • Industry analysis
    • Facilities and operations plan
    • Promotional, marketing and sales strategy
    • SWOT analysis (strengths, weaknesses, opportunities, threats)

    5. Provide collateral

    To qualify for a small-business loan, you may have to provide collateral to back the loan. Collateral is an asset, such as equipment, real estate or inventory, that can be seized and sold by the lender if you can’t make your payments. It’s basically a way lenders can recover their money if your business fails.

    SBA loans require “adequate” collateral for security on all loans, plus a personal guarantee from every owner of 20% or more of the business. A personal guarantee puts your credit score and your personal assets on the hook.

    Some online lenders do not require collateral but may want a personal guarantee. Others may also take a blanket lien on your business assets — essentially another form of collateral — giving the lender the right to take business assets (real estate, inventory, equipment) to recoup an unpaid loan. Each lender has its own requirements, so don’t be afraid to ask questions if you are unsure.

    If you don’t have collateral to get a loan or don’t want to take on the risk of losing personal or business assets, unsecured business loans may be a better option.

    Which financing option is best for me?

    You may also like

    Alcoholism and Its Relation to Hypoglycemia – An Overview #alcoholism #clinical #and #experimental #research


    Science and Education Publishing

    3. Alcoholism Hypoglycemia

    Alcoholism is the enhanced consumption of ethanol (> 120ml/day) and hypoglycemia is a condition where there is decreased blood glucose levels ( 50mg/dl or 2.8mmol/L) [7 ]. Enhanced ethanol oxidation raises NADH levels which inhibit key or regulatory enzymes of gluconeogenesis thus blocks release of glucose from liver leading to hypoglycemia [8 ]. Alcohol exerts substantial influences on pancreatic microcirculation by evoking a massive redistribution of pancreatic blood flow from exocrine into endocrine(insulin-producing) part via mechanisms mediated by the messenger molecule nitric oxide and the vagus nerve, augmenting late phase insulin secretion leading to hypoglycemia [9 ]. Both lipolytic and ketogenic pathways are important to prevent hypoglycemia by providing substrates like glycerol, free fatty acids (FFA), ketone bodies for gluconeogenesis which helps in maintaining blood glucose levels. if these substrates or pathways fail to produce glucose during fasting state it aggravates the risk of hypoglycemia. Chronic malnutrition is also noticed in alcoholics that in turn inhibits release of FFA from adipose tissue and decreases the gluconeogenesis [10 ] .

    4. Alcoholic Hypoglycemia Ketosis

    Alcoholic hypoglycemia occurs as a result of prolonged fasting and excess alcohol intake, when the hepatic glycogen store becomes depleted and alcohol inhibits gluconeogenesis [11. 12 ]. Ethanol also causes structural abnormalities in the liver mitochondria which leads to ketosis superimposed by starvation, chronic malnutrition [13. 14 ]. When ethanol is infused into starved rats’ liver it was observed that the ratio of beta hydroxy butyrate, acetoacetate rises in the effluent [15 ]. The ethanol content in tissues of alcoholic ketotic patients disappears apparently [16 ]. Thus, alcoholic hypoglycemia and alcoholic ketoacidosis are associated with excess consumption of alcohol, food deprivation and increased ratio of NAD + /NADH. The increased NADH levels favours accumulation of hydroxyl butyrate thus leading to ketosis [17 ] .

    5. Conclusion

    Alcoholic hypoglycemia is due to inhibition of gluconeogenesis by ethanol and alcoholic ketosis is due to accumulation of beta hydroxy butyrate by increased concentrations of NADH. Thus alcoholic hypoglycemia and alcoholic ketosis are the sequential events occurring one after another in alcoholism and liver can replenish its function on supply of glucose and the most salient feature of liver is that changes in liver can be seen only after chronic alcoholism associated which is also with malnutrition. Further research is required to know the mechanism in liver that helps to maintain the reduced hepatic redox state during alcoholism longer than expected.


    Sabitha kandi, Neelesh Deshpande, Venkata Bharath Kumar Pinnelli, Ramakrishna Devaki, Pragna Rao, K.V. Ramana. Alcoholism and its role in the development of oxidative stress and DNA damage: An Insight. American Journal of Medical Sciences and Medicine, 2014:2(3):64-66.

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    Please read our community guidelines before posting.

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    Get Rid Of Inquiries On Credit Report #credit #bureaus

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    How do I get rid of inquiries on my credit report

    Each time you apply for credit and the creditor checks your credit report, a credit inquiry is added to your file. This also applies to credit offers received in the mail and in which you have responded.

    All credit inquiries are supposed to come off your credit report after two years. However, you may take these steps to try to get them off sooner.

    First, find the credit inquiries that are hurting your credit. Order all three of your credit reports. Then, take a look at the end of your credit report files to find the inquiries. There may be some inquiries that are promotional ones and will not be shown to creditors. You do not need to worry about them. Only find the inquiries that are shown to creditor. They will be the ones where you have applied for credit, but some others may seem to be completely unknown to you.

    Second, find the addresses for each credit inquirer. If the addresses are not on your credit reports, you may need to call them or visit their website.

    Third, prepare letters to be sent to each inquiring creditor asking them to remove the inquiry they have made. The Fair Credit Reporting Act allows only authorized inquiries to appear on your credit report. You must write a letter challenging and disputing that the creditor had authorization to pull your credit report.

    Finally, send the letters Certified Mail Return Receipt Requested and keep a copy of each letter sent.

    The main objective of these letters is to get the creditors to simply agree to removing the inquiries, because they don’t want to take the time to verify that you have authorized them to pull your credit report.

    What Is a Good Car Loan Credit Score? #free #credit #score #canada

    #how to get your credit score

    What Is a Good Car Loan Credit Score?

    Your credit score is very important when shopping for an auto loan. as it’s what lenders look to as a point of reference. Here is a breakdown of the typical interest rates you can expect with different credit scores:

    • 850 – 740: Excellent credit score – 3.2% interest rate (on average)
    • 739 – 680: Average credit score – 4.5% interest rate (on average)
    • 680 and below: Sub-Prime credit score – 6.5 – 12.9% interest rate (on average) *

    See what kind of interest rate you can get

    The credit score essentially paints a financial picture of a person, and helps determine the likelihood of them paying back the loan that was given to them. However, with a bad credit score, a person can expect to have a little rougher time on their hands. A lender looks at the credit score and other documentation, then determines whether a person is a good candidate to lend to. The credit score is probably the most important of all the documentation presented.

    Hard Credit Check vs. Soft Credit Check #bad #credit #card

    #credit checks

    Hard Credit Check vs. Soft Credit Check

    Your credit score is an extremely important number. A good credit score can have an affect on your ability to get a loan, how much interest you will pay, your ability to rent a house or an apartment, or even get a job. But did you know that the simple act of having your credit score pulled too often can have a negative impact on your credit score? Too many hard credit pulls can be seen as a sign by lenders that you may be borrowing too much money and are at risk for not being able to pay back your loans.

    A credit pull (also known as a credit check or credit inquiry) is when you or someone else accesses your credit history. But not all credit inquiries have the same effect on your credit score. There are times when pulling your score has no effect on your credit score. Why the difference? It depends on why the credit inquiry is made. There are two types of credit pulls, hard credit pulls and soft credit pulls.

    Soft credit check vs. hard credit check

    A soft credit check is one that does not effect your credit score. A soft credit check is recorded in your credit history, but is only visible to you and not visible to lenders. You can check your credit report and score as often as you want with no negative effects to your credit score. Some examples of soft credit inquiries are:

    • Credit score and credit reports you request for yourself.
    • Pre-approval credit checks done by credit card companies and mortgage lenders. (You know that junk mail you hate to receive? Lenders who send out pre-approved loan applications do a soft credit check to find potential customers in a certain credit score range. If you apply, then a hard credit check is made to verify your score).
    • Routine credit checks by your credit card or insurance company to review your current credit situation.
    • Pre-employment screenings by potential employers or for a security clearance .
    • Identity verification when opening a new bank account (note: some institutions do a hard credit inquiry).

    A hard credit check is one that can negatively impact your credit score. These occur when you give a lender permission to check your credit history with the intent to open up a new line of credit. Each hard credit check can cause your score to drop by roughly 5 points and can affect your score for 6 months to a year. The hard credit pull is visible to anyone and will remain on your credit report for up to two years. The good news is that hard credit pulls are almost always voluntary i.e. you are applying for a new line of credit and give permission for the credit inquiry to happen.

    The reason your credit score will drop is because the more money you have access to through loans, the more difficult it is to repay. That is why your available credit is part of your credit score .

    Some examples of hard credit pulls occur when:

    • You apply for a credit card.
    • You apply for a mortgage, auto loan, HELOC. or other loan.
    • Opening a new bank account at certain institutions. (here is a list of banks that do hard credit pulls ).
    • Opening a new cell phone account.

    Be careful when checking your credit score or applying for credit

    Because too many hard credit pulls can lower your credit score. you should only get a hard credit pull when necessary. For example, when shopping for a car or looking for a house, don t let every loan officer pull your credit score to tell you how much your payments will be. It is best to pull your own credit score (which counts as a soft credit pull) and ask them to run a preliminary check with your numbers. The loan officer should be able to give you an unofficial number based on your score and you can have them run the official numbers if you decide to take a loan out through them. Just be careful and don t let them pull a bait and switch on you!

    Am I in trouble with the IRS? Q – A #trouble #with #irs


    Am I in trouble with the IRS?

    It’s very unlikely that you’ll get into any legal trouble. The simple reason is that the money has not been stolen; it was deposited in accordance with the instructions that were provided on a (presumptively) correct tax return. So long as your husband was aware that you were filing a joint return (I am assuming that you filed a joint return) and did not object to that filing or demand to review the return before it was filed, he has no basis to complain and the IRS will ultimately tell him that if he persists in pursuing a claim that the money was stolen.

    That being said, I realize that it may cause a lot of trouble with him, but you might consider telling him that the money was deposited into your account as per the instructions that were included on the filed return. However, if that is going to put you at risk of any physical harm, I would suggest that you not do so; if there’s any risk of him becoming violent, let him pursue the matter with the IRS because it will take a lot of time for that process to go through.

    The bottom line is: you will certainly have some trouble with your husband who is likely to be upset that he cannot get access to the money; however, he almost certainly has no recourse against you.

    0 found this answer helpful helpful votes | 3 lawyers agree

    If somehow the IRS issues a second refund and he deposits that money in a joint account or it is used in any way for your benefit, you may then be liable. I would be surprised if the IRS issues a second payment though, as its due diligence will show that the money was deposited in your account. I agree with the first attorney though in that the best idea may be to tell your husband what happened now before this potentially becomes a mess. Stopping his investigation now may save a lot of time and money down the road.

    Circular 230 Disclaimer: To ensure compliance with IRS Circular 230, any U.S. federal tax advice provided in this communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (i) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer, or (ii) in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction addressed herein. Attorney-Client Relationship Disclaimer: This email does not create an attorney-client relationship between sender and any receiver.

    0 found this answer helpful helpful votes | 3 lawyers agree

    Dana Whitney Atchley

    Posted May 30, 2012 4:06pm

    The IRS will almost certainly not issue a second refund check -definitely not on the original return. Even if theft of the original refund check could be proven, it would take a long, long time before the IRS issued a replacement check for the stolen funds. In this case, since the funds were not stolen, I can comfortably say that the IRS will never issue a second check for the refund claimed on this return.

    Jeffrey Anton Collins

    Call Reveal number tel: 312-212-1000

    • Posted June 1, 2012 10:31pm

    I filed my husband and my taxes this year I had the refund money directly deposited into my business account where my husband could not touch it. He is now looking for the money and I am not telling him what I did. He wants to press charges that the money has been stolen. Am I going to get trouble legally for what I did?

    No, you won’t get into trouble with the IRS. This is not a problem for the Department of Treasury. But eventually, you will have to tell your husband where you put the money, and what you did with it. If you’re in trouble, it’s with your husband.

    Hope this helps, and good luck.

    0 found this answer helpful helpful votes

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    Chez Amadeus, nous utilisons les cookies pour vous garantir une expérience de navigation optimale sur notre site Web. Ils nous permettent également de nous assurer que nous vous présentons le contenu que vous recherchez. Si vous ne modifiez pas vos paramètres, nous en déduisons que vous acceptez de recevoir tous les cookies envoyés par le site Web Amadeus. Toutefois, si vous le souhaitez, vous pouvez modifier vos paramètres de cookie à tout moment. Pour plus d’informations à ce sujet, consultez le lien des cookies en bas de page.

    Chez Amadeus, nous utilisons les cookies pour vous garantir une expérience de navigation optimale sur notre site Web. Ils nous permettent également de nous assurer que nous vous présentons le contenu que vous recherchez. Si vous ne modifiez pas vos paramètres, nous en déduisons que vous acceptez de recevoir tous les cookies envoyés par le site Web Amadeus. Toutefois, si vous le souhaitez, vous pouvez modifier vos paramètres de cookie à tout moment. Pour plus d’informations à ce sujet, consultez le lien des cookies en bas de page.

    En poursuivant votre navigation sur notre site, vous acceptez notre politique concernant les cookies

    Chez Amadeus, nous utilisons les cookies pour vous garantir une expérience de navigation optimale sur notre site Web. Ils nous permettent également de nous assurer que nous vous présentons le contenu que vous recherchez. Si vous ne modifiez pas vos paramètres, nous en déduisons que vous acceptez de recevoir tous les cookies envoyés par le site Web Amadeus. Toutefois, si vous le souhaitez, vous pouvez modifier vos paramètres de cookie à tout moment. Pour plus d’informations à ce sujet, consultez le lien des cookies en bas de page.

    En poursuivant votre navigation sur notre site, vous acceptez notre politique concernant les cookies

    Amadeus connecte l’industrie du tourisme afin de bénéficiez de nouvelles opportunités d’affaires.

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  • AMA Adopts New Guidance for Ethical Practice in Telemedicine #american #telemedicine


    • Creating the Medical School of the Future

    See how the AMA works with schools to prepare for the future.

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    AMA Adopts New Guidance for Ethical Practice in Telemedicine

    For immediate release:

    For immediate release:
    June 13, 2016

    CHICAGO – New ethical guidance adopted today at the American Medical Association’s (AMA) Annual Meeting will help physicians understand how their fundamental responsibilities may play out differently when patient interactions occur through telemedicine, compared to traditional patient interactions at a medical office or hospital.

    The new ethical guidance on telehealth and telemedicine was developed over the past three years by the AMA’s Council on Ethics and Judicial Affairs, and adopted by a vote of physicians from every corner of the country. The development of the new guidelines coincides with innovations in technology that are changing the ways in which people live their lives, including reshaping the ways they engage with medicine.

    “Telehealth and telemedicine are another stage in the ongoing evolution of new models for the delivery of care and patient-physician interactions,” said AMA Board Member Jack Resneck, M.D. “The new AMA ethical guidance notes that while new technologies and new models of care will continue to emerge, physicians’ fundamental ethical responsibilities do not change.”

    In any model for care, patients need to be able to trust that physicians will place patient welfare above other interests, provide competent care, provide the information patients need to make well-considered decisions about care, respect patient privacy and confidentiality, and take steps needed to ensure continuity of care.

    The evolution of telehealth and telemedicine capabilities offers increasingly sophisticated ways to conduct patient evaluations as technologies for obtaining patient information remotely continue to evolve and improve. The AMA guidelines permit physicians utilizing telehealth and telemedicine technology to exercise discretion in conducting a diagnostic evaluation and prescribing therapy, within certain safeguards.

    “Physicians who provide clinical services through telemedicine must recognize the limitation of the relevant technologies and take appropriate steps to overcome those limitations,” said Dr. Resneck. “What matters is that physicians have access to the relevant information they need to make well-grounded recommendations for each patient.”

    The AMA guidelines also recognize that a coordinated effort across the profession is necessary to achieve the promise and avoid the pitfalls of telemedicine. Active engagement should support ongoing refinement of telemedicine technologies and relevant standards, while also promoting initiatives that will help make needed technology more readily available to all patients who want to use telemedicine services.

  • Arts Educational Schools London: ArtsEd #arts #school #online


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    Everyone is committed to the school and wants to get the most out of every minute of the day. At ArtsEd we believe that people learn best and achieve more when they feel positive about themselves.

    Our mission is to deliver successful and fulfilling careers for all our students and staff. As a drama school we inspire confidence, nurture talent and deliver results!

    Our achievements were celebrated in 2016 when we were named School of the Year by The Stage.

    We look forward to welcoming you to ArtsEd.

    Jane Harrison, Principal

    The future of this country’s theatre tradition depends on centres of excellence, such as the Arts Educational Schools London. Working with young performers is a particular passion of mine and I am delighted and honoured to be their President.

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    Altiris Deployment Solution 8 offers enhanced workstation and server deployment capability that dramatically reduces the time and cost of deploying and managing your servers.

    Product Overview

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    Deployment Solution helps reduce end-user downtime by automating the deployment process and increases IT efficiency through automated, repeatable deployment processes.

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  • What is a rating agency? BBC News #credit #card #offer

    #credit rating agencies

    What is a rating agency?

    By Rebecca Marston Business reporter, BBC News

    20 October 2014

    Image caption A high score from a credit rating agency means cheaper borrowing – a low mark generally prompts a heavier price

    AAA, Ba3, Ca, CCC. they look like some kind of hyper-active school report.

    They are, indeed, a marking system, and one that is designed to inform interested parties.

    The ratings are given to large-scale borrowers, whether companies or governments, and are an indication to buyers of this debt how likely they are to be paid back.

    The score card can also affect the amount that companies or governments are charged to borrow money.

    If a country is deemed to have suffered a downturn in fortunes and its rating is lowered, investors may demand higher returns to lend to it, as it is judged a riskier bet.

    Borrowers in the news with downgraded scorecards now include the UK, most eurozone governments, and the US. Just two of the G7 countries, Canada and Germany, retain a top AAA rating.

    But the companies doing the marking are nowhere near as familiar.


      Private-sector firms that assign credit ratings for issuers of debt A credit rating takes into account the debt issuer’s ability to pay back its loan That in turn affects the interest rate applied to the security (eg a bond) being issued A credit downgrade can make it more expensive for a government to borrow money

    They are credit-rating agencies, which exist to assess the creditworthiness of bond issuers – companies or, as in this case, countries who borrow money by issuing IOUs known as bonds .

    But who are they? Do we need them and how do they work out whether to give the top-of-the-class AAA or a lower grade, such as CCC, which – sticking with the schools analogy – means the issuer is suspected of planning the financial equivalent of bunking off?

    Poor and Moody

    Standard Poor’s (S P), as the oldest, comes first. It was begun in 1860 by Henry Poor, who wrote a history of the finances of railroads and canals in the United States as a guide for investors.

    The “Standard” part came into being in 1906, when the Standard Statistics Bureau was set up to examine finances of non-railroad companies.

    The two businesses joined forces in the 1940s.

    Moody’s was started in 1909 by John Moody, who published an analysis of the tangled and uncertain world of railway finances, grading the value of its stocks and bonds.

    These are now mighty concerns, with operating income in the high hundred million dollars.

    They each have 40% apiece of the business of rating major companies and countries.

    Fitch, with another eponymous founder, John Fitch, was set up in 1913 and is a smaller version of the other two.

    There are hosts of other ratings agencies, whose names rarely appear even within the darker corners of the financial pages – so why are these three businesses the ones everyone watches?

    Track record

    Part of the answer lies with the Securities and Exchange Commission (SEC), the US financial watchdog.

    In 1975, it acknowledged these three as Nationally Recognized Statistical Rating Organizations (NRSRO).

    The reasons for ratings adjustments vary, and may be broadly related to overall shifts in the economy or business environment – or more narrowly focused on circumstances affecting a specific industry, entity, or individual debt issue Standard Poor’s

    An endorsement from an NRSRO makes life quicker and easier for countries and financial institutions wishing to issue bonds. It basically tells investors a firm has a track record and indicates how likely it is to be able to pay back the money.

    Further impetus for NRSROs comes from the fact that certain regulated investment funds are required by the SEC to hold only those bonds that have a very high rating from accredited agencies.

    An insurance company’s strength is also judged by the ratings applied to the investment reserves it holds.

    A downgrade of an issuers’ rating typically pushes down the value of a bond and raises its interest rate. It can mean regulated funds must now sell these bonds.

    But this can cause a vicious circle.

    If lots of funds are forced to sell, the price of the bond reduces further. That means a higher interest rate must be paid, which puts an even bigger strain on the borrower.


    The SEC actually has 10 NRSROs on its approved list, including a Canadian agency and two Japanese ones. The big three – Standard Poor’s, Moody’s and Fitch – remain the industry standard-bearers.

    This is partly because they make their ratings available freely to investors – making their money from charging the organisations who want their bonds rated – something some believe can create a conflict of interest.

    As a statement from the European Commission put it: “As a rating agency has a financial interest in generating business from the issuer that seeks the rating, this could lead to assigning a higher rating than warranted in order to encourage the issuer to contract them again in the future.”

    The products to be rated vary hugely in design.

    Investment banks issuing complex products – like those that included sub-prime debt – often structure the products to make them appear as safe as possible in an attempt to attract a top rating.

    This does not apply to government bonds, which are straightforward IOUs.

    So how do the agencies form their judgments?

    Standard Poor’s says a committee of between five and eight people decides the actual rating.

    They base their assessment on a range of financial and business attributes that might influence the repayment, some of which may depend on the issuer of the bond (i.e. the borrower).

    When asked why it changes ratings, S P responded: “The reasons for ratings adjustments vary, and may be broadly related to overall shifts in the economy or business environment – or more narrowly focused on circumstances affecting a specific industry, entity, or individual debt issue.”

    S P gave a long list of indicators it might use, including “economic, regulatory and geopolitical influences, management and corporate governance attributes, and competitive position”.

    That seems to cover everything.

    ‘Serious mistakes’

    But since the credit crisis began in 2007, these agencies have come in for heavy criticism.

    The US SEC is tightening up on the way they behave. One move would stop individuals on their sales and marketing side from taking part in the actual rating.

    The EU is not happy either.

    The potential for a downgrade to destabilise a country was so feared that the European Parliament this year agreed a set of rules designed to rein them in.

    They state that agencies can issue ratings on countries no more than three times a year, and only after markets have closed.

    Europe also wants to dilute the power of the Big Three rating agencies by encouraging financial firms and others to do their own credit assessments.

    The Internal Market Commissioner, Michel Barnier, said: “Ratings have a direct impact on the markets and the wider economy and thus on the prosperity of European citizens. They are not just simple opinions. And rating agencies have made serious mistakes in the past.”


      Rating agencies use different systems involving a long list of letters A top mark is AAA or Aaa Down to BBB or Baa3 is also safe BB or Ba1 down to C is speculative – or “junk”

    After all, lots of mortgage-backed securities – the investments that were backed by mortgages that were either never going to be paid back or were even fraudulent – were given the very best grade by the three supposed experts in rating the likelihood of the money being paid back.

    These financial products turned out to be virtually worthless. And the sudden realisation that they were rubbish, rather than gold-plated investments, triggered the worst financial crisis in decades.


    But the agencies’ power does not always cause mass market upheaval.

    More recent downgrades have not prompted swings in investor behaviour.

    After the mighty US received its downgrade in 2011, rather than its cost of borrowing going up, it actually went down, as lenders decided that the US government was still one of the safest bets in the world.

    And although the UK government long spoke of the importance of maintaining its triple-A status, when it was downgraded for the first time in more than 30 years, economists suggested that it would have limited impact.

    Moody’s was just catching up with what the financial world already knew – that the UK economy, in line with many others, will take longer to recover from the aftermath of the financial crisis than expected.

    Share this story About sharing

    How Safe is an Online Credit Report

    #credit report online

    How Safe is an Online Credit Report?

    Online credit report and credit score offers seem to be everywhere these days. You can’t turn on the television, surf the Internet or check your e-mail without seeing an advertisement enticing you to “see your online credit report and score instantly.”

    However, you might be wondering, “I know reviewing my credit information is important, but is it safe to view my online credit report?”

    As long as you are careful to access your online credit report through a reputable credit reporting company, you are safe. In fact, the credit reporting bureaus point out that you may be more vulnerable to identity theft when your credit report is mailed to you. There’s a greater likelihood that your “snail mail” credit report could be mis-delivered to a wrong address by a mail carrier or intercepted by a thief.

    You are entitled to a free online credit report

    When you want to do a credit check, in the world of online credit reports, you have many options available to you. Under The Fair and Accurate Credit Transactions Act (FACT Act), the three major credit bureaus (Equifax, Experian, and TransUnion) are required to provide all U.S. citizens with an annual free credit report upon request. The federal government established an official website,, to provide consumers with a safe, secure site through which they can order their free online credit reports.

    Additionally, there are a number of reputable companies who can provide you access to your online credit report as part of their credit management or identity theft protection services. Unfortunately, identity thieves have set up fraudulent websites with names that are similar to the reputable website as a means to lure in unsuspecting citizens and trick them into providing their private information, especially their Social Security Number (SSN).

    Access your online credit report on a secure server

    So how do you know whether your source for a free online credit report is safe? Well, you’ll need to do some research to verify the legitimacy of the company and its offer, but since it’s your finances that are at risk, it’s certainly worth your while to do a web search on the company and confirm that its offer is valid and lawful.

    In addition to a web search, you should check for certain security beacons. Secure sites use “https” rather than “http” in the address line of your browser window when you are supplying them confidential information, such as your credit card information or SSN. They also have lock icons along the bottom of your browser window. Legitimate companies will also provide you with a privacy policy that details how your information will be used and what recourse you may have if you feel you’ve been treated unfairly.

    If any of these security signs are missing, dismiss the offer, and order your credit report elsewhere. After all, there’s no shortage of offers for a free online credit report. Remember: You’re entitled to one free online credit report a year from each of the three credit bureaus at

    How often should I check my credit scores? #what #is #my #credit #rating

    #checking credit score

    How often should I check my credit scores?

    Dear Erica,

    How important is it for me to get my credit scores? I heard I should check them every year. But doesn t that hurt them, too? I m totally not understanding this. If you think I should get them, what is the best place?   James

    Hi James,

    Checking your credit scores can either be very important or not important at all. It all depends on what you re intending to do in the future.

    Essentially, credit scores are shorthand for the financial information that is listed on your consumer credit reports. There are many types of scores some created by the reporting bureaus that collect all that data and others from private companies. However, the model developed by Fair Isaac Corp. (the FICO score) is what most people think of when referring to such scores. And it s what most lenders use. FICO scores range from 300 to 850, with higher numbers being preferable, as they indicate less risk to the lender. You actually will have three FICO scores one each from the three major credit bureaus (TransUnion, Equifax and Experian).

    So why would you not care about your credit scores? When don t want to do anything that requires them as part of an assessment process. Consider them as you would a high school grade point average. If you want to attend a good college, you d certainly be concerned with your GPA, because those institutions rely on it to see if you re the type of student they want on their campus. An anemic GPA can definitely hold you back from being welcomed into the schools of your choice and perhaps from the degree you d like to attain.

    Then again, if you have no interest in going to college at all, your GPA wouldn t matter. It is the same with credit scores. If yours are low, the chances that you d qualify for a loan or credit line diminish, but if you have no plans to conduct business with a bank or other lender, your numbers are irrelevant.

    I m a big believer in keeping your options open, though. Even if you have no interest in borrowing money right now and, therefore, don t need appealing scores, it doesn t hurt to see what they are today. That way you have plenty of time to repair any major damage before you do apply for a loan. Checking your reports and scores is also the way to spot errors and fraud.

    I strongly suggest that you check both your credit reports and your credit scores periodically. The best place to get your credit reports is from You can get each of your reports (again, you ll have three one from each bureau) for free once per year and checking once per year is usually fine. However, if you ever suspect that something is amiss (like a credit card balance that seems unusually high), you can dispute the error. If your dispute results in a change to your credit reports, the bureaus will send you updated copies after the change has been made.

    As for your FICO scores, you can get those from They re about $20 each. Check those at least a few months before approaching a creditor. Excellent scores are in the mid-700s and above.

    Don t worry about what your personal sleuthing will do to your credit rating. Yes, I know that this is contrary to what you may have heard, which is why it s so critical to get the facts about the system straight from those in the industry. When you check your own score, that s known as a soft pull and it won t affect your credit score at all.

    The only time a credit check will impact your scores is when you actively apply for a loan or credit card and a potential lender checks your credit. That would be a hard pull . Hard pulls can temporarily bring your score down a smidge, but even so, they re minor factor compared to the way you manage your bills and how much debt you carry in comparison to the amount you can borrow. Pay on time and in full for a few years, with a few different types of accounts, and your scores will be high whether you see them or not.

    Keeping credit bureaus in check – The Washington Post #free #credit #checks

    #credit bureau check

    Keeping credit bureaus in check

    Finally, the companies that have been keeping track of how we handle our credit will be watched closely by a single federal agency.

    On Sept. 30, the Consumer Financial Protection Bureau — exercising the muscle it was given by Congress — will start supervising credit reporting agencies, including the big three: Equifax, TransUnion and Experian.

    Michelle Singletary writes the nationally syndicated personal finance column, “The Color of Money.” View Archive

    It’s always confounded me that these credit bureaus haven’t had more oversight, considering that the files they compile and use to create credit histories are then used to create credit scores, which affect consumers’ ability to get a credit card, home loan, apartment and even a job.

    For years, consumer advocates have complained that the information collected often includes errors. Under the Fair Credit Reporting Act. the bureaus and any businesses supplying them with data must correct inaccurate information. The bureaus, in turn, are required to put systems in place that allow consumers to dispute information.

    However, surveys have shown that getting erroneous information removed from credit files can be an exasperating experience.

    The credit bureau industry claims that most reports are accurate. But one problem with the system is that the bureaus rely on information provided to them by companies seeking to collect debts.

    You’ve no doubt heard the stories of people spending hours and their own money — sometimes thousands of dollars — trying to correct mistakes. You might even have your own story. I do.

    A storage company claimed I owed them money. I contacted the credit bureau (the company had reported the damaging data only to one bureau) and disputed the information. The bureau then asked the company that reported the information to verify the debt. What do you think the storage company did?

    They reported back the same wrong information, reducing my credit score by about 100 points. I know this because my other two credit reports, which did not contain the incorrect information, produced higher credit scores. The major difference in the three reports was the erroneous overdue debt.

    After the so-called investigation, the incorrect information was again listed in my file. I complained again. After a few rounds of this nonsense, I finally was able to get the inaccurate information removed.

    My case had only minor consequences for me. Yet other stories abound of what some people have to endure trying to get their credit reports corrected.

    The CFPB will supervise credit reporting agencies that have more than $7 million in annual receipts. This means that the agency’s authority will cover about 30 companies that account for about 94 percent of the market. The three major credit bureaus issue more than 3 billion consumer reports a year and maintain files on more than 200 million Americans, the CFPB said.

    Here’s what I hope the bureau will do when it starts conducting examinations of whether and how credit bureaus are complying with the law:

    ●Specifically outline what it means to “investigate” a consumer’s complaint about an error. It’s not enough for the bureaus to say they’ve investigated a claim when all they do is ask the creditor, who just resends the inaccurate information. The investigation should include making the creditor offer proof. And the proof should be more than just the person’s name, last known address, Social Security number and debt amount. The documentation of the debt needs to be more substantial, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit in other people’s names.

    ●Require the credit reporting agencies to provide randomly selected consumer credit reports that would test for the accuracy and completeness of information contained in the files. They should be required to pull enough files that the pool is statistically significant and nationally representative. Several years ago, the Federal Trade Commission found that consumers could be recruited to conduct a thorough and effective review of their credit reports with just telephone interviews.

    ●Set up a mystery shopping program similar to what some retailers do when they hire companies to send in people to test their customer service. In this case, the CFPB could recruit consumers who have verifiable errors in their reports and test how the credit bureaus handle their claims.

    “Because of the critical role that credit reports play in consumers’ lives, it is our job to make sure we understand the full extent of these problems and address them effectively,” CFPB director Richard Cordray said.

    I hope the watchdog agency is effective in addressing consumer concerns about credit bureaus. It’s only fair that since we are graded on what’s in our credit reports, the companies that collect the information be scrutinized even more for the accuracy of the data they pass along for a profit.

    How Low Can Your Credit Score Go? #free #online #credit #report

    #how do you get your credit score

    How Low Can Your Credit Score Go?


    We know many consumers damaged their credit score during the recession. A study released in July 2010 found that more U.S. credit scores are below 600as of April 2010. a score that’s considered subpar by FICO, the company responsible for our current credit model. It’s funny to consider that a score of 600 doesn’t seem far off from a perfect 850. Still, this got us thinking— just how low can a credit score actually go? Can it hit zero?

    Technically, the answer is no. You can score 300, which, according to FICO spokesperson Barry Paperno, is the credit model’s equivalent to a zero.

    “The distribution of FICO scores is between 300 and 850,” Paperno says. “That’s just the way the model is built. It’s not built to deliver a zero.”

    Fortunately for consumers, hitting rock bottom isn’t easy to do.

    Take Seattle resident Mark Mitchell Johnson. He watched his score steadily plummet after a series of poor investments led him to accumulate nearly $300,000 in debt back in 2007. But despite a foreclosure, debt management plan and ultimate bankruptcy, his score never reached the 300s.

    “[It] hit a low of 471 from Experian,” Johnson recalls. “I don’t know what I could have done to get it any lower.”

    That answer is a bit more complicated. FICO tabulates credit scores using five criteria: your past payment practices (how well you pay your bills); your debt to credit ratio; the length of your credit history; the number of accounts you’ve opened and, finally, the type of accounts you’ve opened.

    In order to receive a 300, you would have to a find a way to bottom out in each category. This means, as Paperno explains, you would need to open up a bunch of new credit cards, max them out almost immediately, file for bankruptcy the very next day and then head back out and apply for more credit cards.

    You would also have to be relatively new to the credit industry, since a lengthy credit history, no matter how good or bad it is, will positively impact one criterion of the score. And you could only open one type of account, since having a variety on the books will also help your score. This may, incidentally, have been what spared Johnson’s score since he had a mortgage, a federal loan and several credit card accounts on the books at the time of the 471, as opposed to a wallet full of Visas.

    The lesson, at least where your credit score is concerned, is time heals all wounds.

    “If all these things happened five years ago, you could have a decent score,” Paperno explains. “[It] could have improved.”

    This may explain why a 300 is even more mythical than the 850. Though FICO has told MainStreet the perfect score does indeed exist, Paperno says he’s never come across someone with a 300.

    Neither has John Ulzheimer, a former FICO employee who now works for “The lowest score I’ve ever seen is a 376,” he says.

    FICO couldn’t provide exact stats of what percentage of people fell into the lowest bracket possible, but did say the scores tend to be closer to 850 than 300. Paperno said the average median score, last recorded in 2009, was 711.

    There is a caveat, however. While you may not be able to score a zero, or the model’s equivalent, you can fail to qualify for a credit score. This happens primarily to the unbanked, since FICO requires that a person has opened and then used at least one account in the past six months before it provides the score.

    FICO also requires that you’re alive at the time of the request as a means of fraud protection, a tenement Ulzheimer said could result in a rejection for a legitimate (and living) person should they share a joint account with someone who is recently deceased.

    How to Check Your Vantage Score @ #best #credit #cards #for #college #students

    #how do i check my credit score

    Great. The first thing that jumps out at me? It’s the fact that, as a credit agency, you can be assured you have a promising business environment when you can label the average Joe Blow, C-rated, debt-laden consumer as “Prime.” That. Dear Reader, says a lot about our world. (According to the Bankrate article “New Credit Score Now Online ” (July, 2006), more than two-thirds of all consumers will qualify for a VantageScore grade of “C” or higher.)

    How to Check a Tenant – s Credit Rating #bad #credit #mortgages

    #check credit rating

    How to Check a Tenant s Credit Rating

    by Sarah Davis

    Get a consent to run credit before checking your tenant s credit rating.

    Get the potential tenant rsquo;s written consent to check his credit score before you run a credit check. Even though this information is pertinent to you as a landlord, you may be acting illegally if you don rsquo;t get the tenant rsquo;s consent. The Federal Trade Commission explains that individuals may not check each others #039; credit, but landlords, employers, creditors and insurers may. In order to protect yourself, make sure your prospective tenant signs and dates a consent form, stating that he allows you to check his credit score. Get a copy of this form from landlord books in your local library or online at legal websites, or draft one yourself.

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  • How to Get a Free Credit Report and Why You Should #poor #credit #home #loans

    #how to get credit report for free

    How to Get a Free Credit Report and Why You Should

    Finding out your credit rating or credit score might seem like a mysterious and challenging ordeal, but it really isn’t. It’s possible – and surprisingly easy – to get a free credit report each year. This will help you to annually monitor your credit, ensure that your credit card and loan payments are reported accurately, and protect your identity from being infringed upon.

    What is a Credit Report?

    A credit report is a document that lists events in your recent history that impact your credit rating or credit score. Any loans, credit cards, or other debts incurred over the past 7 years can and should be included on a credit report. Some information – such as past bankruptcies or unpaid tax liens – stays on a credit report for longer, while certain types of credit checks, like those for high-salaried jobs, will pull up all credit information from the very beginning of your history.

    A credit report is usually summarized in a credit score, a number between 300 and 900 that tells banks and other lenders how trustworthy you are and how sound of a lending investment you might be.

    Why Should I Check My Credit Report?

    Your credit report is supposed to include transactions and history for you and only you. That’s why it’s connected to your name and social security number – so that employers, loan officers, credit cards, landlords, and anyone else who might check your credit report knows they are receiving information about the right person.

    But in cases of identity theft – a growing problem in the United States – thieves will use your personal information, such as credit card and social security numbers, to steal money or secure a loan or credit card that they never intend to pay back. These kinds of transactions can have a serious impact on your credit score – one that victims don’t usually learn about until months or even years later, when they are denied a mortgage or passed over for a job offer. Occasionally, there are legitimate mistakes in credit reports that are easy to correct if they’re caught right away, and all but impossible to erase if they’re left for a while.

    The best way to prevent these problems is to check your credit score regularly by ordering a copy of your credit report.

    Free Annual Credit Report

    By federal law, every consumer is entitled to a free copy of their credit report each year. These reports aren’t sent automatically, but it is possible to request one from each of the three major credit reporting agencies, Equifax, Experian, and TransUnion. Each of these reports may have slightly different information, since banks and lenders only report to one or two of these agencies. However, someone checking your credit score may choose to look at all three, so it’s important to keep them accurate and up to date.

    Your free annual credit report will not include a FICO credit score – the number between 300 and 900 – but it will give you all of the credit information that banks and agencies use to calculate that number.

    It’s possible to order your free credit report by phone, mail, or online:

    • By Phone: Call (877) 322-8228
    • By Mail: An Annual Credit Report Request form must be ordered from the Federal Trade Commission and mailed to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can also print the form at the FTC’s Your Rights: Credit Reporting web page.
    • Online: is the sole authorized site, although many other websites offer a free credit report (but in order to get the report you must sign up for a credit monitoring service).

    Copyright © 2008-2010.

    How to Do a Balance Transfer – US News #how #to #get #credit #report

    #credit card transfer

    Follow these steps to slash your interest rate and debt repayment.

    It’s no secret Americans struggle with their finances. The average news reader can barely make it through a week without reading some story proclaiming millennials will have to retire more than a decade later than their parents, or that a third of adults have no retirement savings or the average American has an estimated $10,000 in credit card debt. While there may not be a magic fix for most financial woes, there is one product that can help those with credit card debt: a balance transfer.

    What is a balance transfer?

    A balance transfer is the act of transferring the balance of your debt from one lender to another. Why would someone want to do this? Because transferring debt comes with the benefit of slashing the associated interest rate.

    Credit card debt often carries incredibly high annual percentage rates, which often range from 15 percent to even 28.99 percent for some store cards. The average APR of a retail credit card is 23.23 percent, according to a recent study by

    Here’s an example to show how a balance transfer could save you money:

    If Kyle holds $7,000 on his Discover credit card at a 20 percent interest rate, and pays $250 a month toward the debt, it will take him 39 months and cost $2,507 in interest to pay it off, according to MagnifyMoney’s calculator .

    By using a balance transfer to reduce the interest rate to zero, the $7,000 in debt could be paid off in 31 months and only cost $555 in interest and fees. Multiple balance transfers could reduce the debt repayment even more to only $376 in interest and fees.

    Wait, there’s a fee?

    Yes, there is often a fee to complete a balance transfer. Some people hear the word fee and are immediately reluctant to complete a balance transfer. However, depending on the amount of debt, the fee is usually substantially smaller than the amount of interest that will get paid if the debt is left with the original lender.

    Let’s backtrack to the example of $7,000 at 20 percent APR. If Kyle doesn’t use a balance transfer he’ll pay $2,507 in interest alone to Discover.

    Instead, Kyle decides to do a balance transfer to Citi Simplicity at a 0 percent APR for a 3 percent fee. Including the fee, it would only cost Kyle $555 to pay off his $7,000 in interest.

    Even with a fee, Kyle would save almost $2,000 by doing a balance transfer.

    However, if Kyle only had $700 in credit card debt at 20 percent APR and could pay $250 a month, a balance transfer wouldn’t save him any time and money. So, if you have a low amount of credit card debt you can pay off quickly, then the fee isn’t worth it.

    The new lender didn’t take all the debt.

    It may take more than one balance transfers to get an entire balance to a 0 percent promotional offer.

    Returning to the tale of Kyle, he elects to do a balance transfer to Chase Slate, which offers 0 percent APR at a 0 percent fee for 15 months. Chase only takes $3,000 of Kyle’s debt, so he still has $4,000 at Discover at the 20 percent APR. If he leaves the $4,000, it will take 19 months and cost him $688 to pay it off.

    Kyle could take one of two paths to reduce the interest rate on his remaining debt with Discover. He could call Discover and say he’ll transfer the remaining balance – unless they reduce his interest rate. Discover probably wouldn’t reduce it by more than 2 to 5 percentage points, but every little bit counts.

    If Discover doesn’t want to play ball, Kyle could look to transfer the remaining $4,000 to another lender, thus reducing his interest rate to 0 percent. Even with a 3 percent fee, this option would save him more money than leaving the balance with Discover, unless Discover magically dropped the APR to zero.

    Will this impact my credit score?

    In short: yes.

    Applying for new lines of credit will cause a credit score to drop. However, opening a new credit card usually only drops a score by about five points, according to FICO’s website.

    Only people with good to excellent credit will get approved for the best balance transfer offers. So make a plan and decide how many times you’re comfortable applying for a balance transfer. Those with a 740 score or higher could safely apply for three or four without doing much damage to their score. One caveat: If you’re applying for a mortgage soon, don’t apply for any new lines of credit six months in advance.

    Keep in mind; A credit score isn’t a trophy. A credit score should be used to help save you money and get you the lowest interest rates. Don’t leave it just sitting on the mantle looking pretty.

    This seems too good to be true. What are the traps?

    Banks love debt because it makes them lots of money from simply charging interest. Lenders offer 0 percent promotional offers in the hopes people will transfer their debt, and then slip up and end up paying interest.

    Here are some of the traps to avoid:

    1. Never spend on the card . Once you transfer your balance to the new card, lock the new card away. Any spending you do on the card will immediately accrue interest at the purchase APR and not the promotional APR.

    2. Pay on time. A single late payment could be grounds for the lender to revoke the 0 percent promotional rate and hike to a penalty rate (typically near 30 percent).

    3. Have a plan for when the promotional period ends. If you’re unable to pay off the entire balance before the 0 percent promotional period ends, start looking around for another card. Multiple balance transfers can help you pay down the debt quickly and save hundreds to thousands of dollars.

    How to do a balance transfer?

    Shop around for the best balance transfer offers before you apply for your first one. Don’t forget to explore offers from credit unions.

    Most banks or credit unions allow people to complete a balance transfer online. Once approved for the balance transfer, you can use an online portal to transfer the balance from an existing lender to the lender providing the balance transfer.

    Be sure to complete this step within 60 days of being approved. Otherwise, the promotional offer can be nullified.

    How to Check My Business Credit Report #prepaid #credit #card

    #business credit report free

    Things You’ll Need

    Visit the website for a company that maintains a database of business credit files, such as D B (Dun Bradstreet), Experian or Equifax. Although Dun Bradstreet is a major reporting bureau for business credit, you must have a D B DUNS (Data Universal Numbering System) number in order for your credit profile to be listed in their database.

    Click on the “Business” or “Small Business” link. Select the option to get a business credit report.

    Enter your Business Name along with the geographical location of your business. Click “Search.” This will yield the search results with your business name.

    Click the “Select” button beside your business’s name.

    Determine which type of credit report option you want to purchase. For example, you can choose the yearly subscription or a simple summary that includes creditor information and credit score. Click the “Add to Cart” or “Purchase” button. Exact wording will vary.

    Complete the checkout process by entering your name, email address and credit card information. You will then be able to access and view your business credit report.

    Analytics – Angus Energy #strategic #analytics


    Business intelligence is critical to your company’s effective management and growth. It is the alchemy of transforming raw data into meaningful information to be applied to your business strategy. Using the right tool is critical, as it is essential to helping you make smarter business decisions that affect your bottom line, now and in the future.

    The professionals at Angus Analytics are experts whose deep understanding of technology helps protect your margins. Our team of petroleum industry insiders, business process professionals, and data management and information technology specialists helps you better measure your key performance metrics so you can better manage your business.

    Angus Analytics’ proprietary business intelligence tool, BRITE®, is the only software of its kind available to the petroleum industry.



    Bob Levins is Managing Partner of Angus Analytics (formally Angus Performance Advisors) and plays a leading role in the development, sales, and delivery of the BRITE business intelligence solution to the retail fuel industry. Prior to joining Angus Analytics, Bob had been providing enterprise-level software solutions to the petroleum market. During this time, Bob saw the opportunity to take the increasing availability of back-office systems data and create a more advanced approach to performance management and reporting. As a result, Bob co-founded TAG Business Intelligence in 2000. After years of growth, Bob and his partner decided to sell TAG to Angus Energy, a strategic move for both companies. Since the acquisition, Bob has been heavily involved with the evolution of BRITE, positioning it to meet the ever changing needs of dealers both large and small. Bob began working in the petroleum industry in 1972, and over the course of 40 years, he has become a recognized as foremost authority on fuel business operations and technology ecosystems. Bob holds a B.S. in Aeronautical Science from Embry-Riddle Aeronautical University.



    David Baratz joined Angus Analytics (formally Angus Performance Advisors) team in 2011. David spent more than 15 years at American Express and JPMorgan Chase in marketing, portfolio management, and related functions before turning his focus to data driven challenges. Over the past several years, he has worked for and with small and medium sized companies to help them better understand and interpret their data, restructure their data processes, to align goals with their data providers and reduce time and expense in running their operations. David has an undergraduate degree in Business, Management, and Finance from Brooklyn College, was recognized as a Fuqua Scholar when he earned his MBA from Duke University’s Fuqua School of Business with a concentration in Global Management. He is also a certified Six Sigma Green Belt practitioner.

    Data Analytics, Graduate Certificate #online #analytics #courses


    Data Analytics, Graduate Certificate

    Related Programs

    The rapid pace at which digital data is being generated has resulted in very large amounts of data, usually referred to as Big Data, which require new techniques for processing and analysis. Data analytics is needed in nearly every industry to guide decision-making processes through the collection and analysis of available data—yet, according to a McKinsey Global Institute assessment, the United States alone faces a shortage of 140,000 to 190,000 personnel with the requisite deep analytical skills.

    The new Graduate Certificate in Data Analytics will provide professionals with the skills required to compete for data analysis jobs amid rising global demand. The certificate program will explore the intricacies of data analytics and expose students to various topics related to data processing, analysis, and visualization. Along with probability theory and statistical analysis methods and tools, students will learn how to generate relevant visual presentations of data and will examine and concepts and techniques for data mining, text mining, and web mining. Individuals who complete this program will have a solid knowledge of data analytics practices accompanied by exposure to the methods and tools for data mining and knowledge discovery.

    Students who complete the Graduate Certificate in Data Analytics will be able to demonstrate:

    • Familiarity with applied probability and statistics, and their relevance in day-to-day data analysis
    • The ability to explore the various data visualization techniques and their applications using real-world data sets
    • An understanding of web analytics and metrics, procure and process unstructured text, and delve into the hidden patterns
    • Skills in facilitating knowledge discovery using data mining techniques over vast amounts of data

    Why Choose BU’s Graduate Certificate in Data Analytics?

    • Four-course certificate program comprises courses shared by the MS in Computer Information Systems, ranked #4 among the nation’s Best Online Graduate Computer Information Technology Programs (U.S. News World Report 2017).
    • Students benefit from a supportive online network, with courses developed and taught by PhD-level full-time faculty and professionals with hands-on expertise in the industry.
    • Small course sections ensure that students get the attention they need, while case studies and real-world projects ensure that they gain in-depth, practical experience with the latest technologies.

    Meet Dr. Suresh Kalathur, one of the faculty members you’ll work with in the Computer Information Systems program.

    METCS544 Foundations of Analytics

    The goal of this course is to provide students with the mathematical and practical background required in the field of data analytics. Starting with an introduction to probability and statistics, the R tool is introduced for statistical computing and graphics. Different types of data are investigated along with data summarization techniques and plotting. Data populations using discrete, continuous, and multivariate distributions are explored. Errors during measurements and computations are analyzed in the course. Confidence intervals and hypothesis testing topics are also examined. The concepts covered in the course are demonstrated using R. Laboratory Course. Prereq: MET CS 546 or equivalent knowledge, or instructor’s consent. [4 credits]

    METCS555 Data Analysis and Visualization

    This course provides an overview of the statistical tools most commonly used to process, analyze, and visualize data. Topics include simple linear regression, multiple regression, logistic regression, analysis of variance, and survival analysis. These topics are explored using the statistical package R, with a focus on understanding how to use and interpret output from this software as well as how to visualize results. In each topic area, the methodology, including underlying assumptions and the mechanics of how it all works along with appropriate interpretation of the results, are discussed. Concepts are presented in context of real world examples. Recommended Prerequisite: MET CS 544 or equivalent knowledge, or instructor’s consent. [4 credits]

    METCS688 Web Analytics and Mining

    The Web Analytics and Mining course covers the areas of web analytics, text mining, web mining, and practical application domains. The web analytics part of the course studies the metrics of web sites, their content, user behavior, and reporting. Google analytics tool is used for collection of web site data and doing the analysis. The text mining module covers the analysis of text including content extraction, string matching, clustering, classification, and recommendation systems. The web mining module studies how web crawlers process and index the content of web sites, how search works, and how results are ranked. Application areas mining the social web and game metrics will be extensively investigated. Laboratory Course. Prerequisites: MET CS 544, or MET CS 555 or equivalent knowledge, or instructor’s consent. [4 credits]

    METCS699 Data Mining

    Data mining and investigation is a key goal behind any data warehouse effort. The course provides an introduction to concepts behind data mining, text mining, and web mining. Algorithms will be tested on data sets using the Weka Data mining software and Microsoft SQL Server 2005 (Business Intelligence Development Studio). Prereq: MS CS Prerequisites: MET CS 579; or instructor’s consent. MS CIS Prerequisites: MET CS 669 and MET CS 546; or instructor’s consent. [4 credits]


    Applicants to the program are required to have a bachelor’s degree from a regionally accredited institution, in addition to the equivalent of MET CS 546. Some courses may have additional prerequisites.

    METCS546 Quantitative Methods for Information Systems

    The goal of this course is to provide Computer Information Systems students with the mathematical fundamentals required for successful quantitative analysis of problems in the field of business computing. The first part of the course introduces the mathematical prerequisites for understanding probability and statistics. Topics include combinatorial mathematics, functions, and the fundamentals of differentiation and integration. The second part of the course concentrates on the study of elementary probability theory, discrete and continuous distributions. Prereq: Academic background that includes the material covered in a standard course on college algebra or instructor’s consent. [4 credits]


    Suresh Kalathur

    Assistant Professor of Computer Science; Director of Analytics Programs
    PhD, Brandeis University; MS, Indian Institute of Technology; BS, Regional Engineering College (Warangal, India)

    Jae Young Lee

    Assistant Professor of Computer Science
    PhD, MS, University of Texas at Arlington; BS, Seoul National University (Korea)

    Getting Started

    To learn more or to contact an enrollment advisor before you get started, request information using the button below and tell us a little about yourself. Someone will be in touch to answer any questions you may have about the program and detail the next steps in earning your degree. You can also start your application or register for a course at Metropolitan College.

    • Request Information Have a Metropolitan College enrollment advisor get in touch with you.


    Bachelors of Arts in Human Resource Management #human #resource #online #degree


    Bachelor of Arts inHuman Resource Management

    The Bachelor of Arts in Human Resource Management program consists of 40 credit hours and is offered fully online. The online format is designed for busy adult students who are interested in obtaining their degree and require the flexibility of attending class on their schedule. Online and on-campus (evening) options are also available.

    Concordia University, St. Paul is pleased to announce that the Society for Human Resource Management (SHRM) has acknowledged that its BA in HR Management has renewed its alignment with SHRM’s HR Curriculum Guidebook and Templates. Throughout the world, 402 programs in 300 educational institutions have been acknowledged by SHRM as being in alignment with its suggested guides and templates.

    Area of Study: Business, Finance Marketing

    • Credit Hours: 40
    • Course Length: 7 weeks

    This program can be taken:

    Asynchronous online courses. Study on your schedule, with no live class times required.

    Human Resource Management
    Curriculum Overview


    The B.A. in Human Resource Management degree program offers a hands-on, comprehensive study of the skills needed by human resource practitioners and other organizational leaders who are responsible for achieving results through people.

    Students receive training in key skill-areas of Human Resource Management and its application to the dynamics of present, and future, organizations. The main program focuses on the human resource professional’s role as a strategic partner within an organization.

    • Principles of Ethical Management 4
    • Human Resource Management and Employment Law 4
    • Applied Accounting and Finance 4
    • Marketing in the Global Environment 4
    • Analytics and Technology 4
    • Recruitment, Selection, and Onboarding 4
    • Strategic Compensation Systems 4
    • Organization Development 4
    • Strategic Human Resources 4
    • Human Resources Plan 4

    BUS-380 – Principles of Ethical Management

    Learn how to manage for success! Examine management theories and applications for motivation, decision-making, organizational structures, processes, and group dynamics that shape organizational culture. Gain insight into frameworks for ethical leadership, operational strategy, and essential management skills and responsibilities.

    BUS-382 – Human Resource Management and Employment Law

    Gain insight into the pivotal role human resources plays in helping organizations be successful. Learn the various functions of HR and their relationship to the role of manager. Explore the historical roots of HR in organization life and the application of the law to the present day workplace including wrongful discharge, harassment, interviewing, selection, compensation, and benefits.

    BUS-384 – Applied Accounting and Finance

    Explores the fundamental concepts of finance and accounting within an organizational context, including terminology, budgeting, time value of money, along with ethical and global considerations. Apply standard financial and accounting tools to make business assessments and financial decisions important for managers in any organization.

    BUS-386 – Marketing in the Global Environment

    Develop skills for effective integrated marketing and business strategy to create innovative and sustained competitive advantage in the digital economy. Learn to ethically apply these insights for business growth to advance strategy. Students explore international marketing perspectives emphasizing future trends while examining the current market environment and marketing strategy elements.

    BUS-388 – Analytics and Technology

    Learn to analyze and visualize data by using business analytics concepts and tools. Work in simulated business work groups to practice real-world collaboration. Develop analyses that utilize research and forecasting tools to meet measurable objectives and effectively make business decisions.

    HRM-400 – Recruitment, Selection, and Onboarding

    Study recruitment, forecasting, selection, onboarding and employee retention. Obtain knowledge on contemporary approaches to internal and external recruiting. Understand job analysis within the context of selection and further be able to identify several selection approaches. Understand the employer’s legal responsibilities in the employee selection process. Articulate the positive performance implications related to successful candidate onboarding.

    HRM-405 – Strategic Compensation Systems

    Study the fundamentals of employee compensations and employee benefits. Examine all aspects of compensation program design and administration; from initial strategy-setting to addressing internal equity/external competitiveness to pay communication. In addition, examine the basic elements of employee benefits. Design compensation approaches that support organization’s strategy and objectives and are competitive in the marketplace. Future challenges and trends will also be covered.

    HRM-410 – Organization Development

    Study the fundamentals, theories, and practice of organization development (OD). Learn diagnosis, design, development, and evaluation of OD initiatives. Explore the differences between Human Resource Development and Organization Development, specifically as they pertain to learning and change, and apply them to real life examples. Examine what drives change, how organizations transition through change, and how organizations manage resistance to change. Explore how technology has expanded learning opportunities, the potential it represents for organizational improvement, and how it impacts OD.

    HRM-470 – Strategic Human Resources

    Examine how HR professionals work as strategic partners within organizations. Explore the differences between the administrative Human Resource professional from the strategic Human Resource professional. Identify skills and competencies needed to perform at the strategic level. Recognize the strategic challenges related to the business and HR specifically. Learn the importance of partnering with business leaders across the organization to improve organization effectiveness.

    HRM-440 – Human Resources Plan

    Learn to solve complex human resources (HR) issues through research, solution identification, and HR plan development and presentation. Select and study an HRM-related issue or opportunity for a real organization. Conduct primary and secondary research. Designing a specific solution to the problem and make specific recommendations based on data collection. Write and present an extended report including an implementation plan with costs, barriers, and stakeholders needed to support the plan.


    1. Apply Online
    2. Submit official transcripts from the regionally accredited institution with a minimum cumulative GPA of 2.0 based on a 4.0 system.
      • If you have attended a MNSCU college or university we also ask that you provide an official accompanying DARS or MnTC goal area worksheet. Concordia accepts completed goal areas
      • If you have less than 20 college credits completed, you will need to submit your official high school transcript as well as any college level courses you have taken.
      • If you have not taken any college level courses and have graduated from high school in the last three years, you will need to submit your official high school transcript as well as your official ACT or SAT scores.
    3. Submit a typed personal statement that answers the questions listed below. Completed statements should be labeled with your name, academic program, and your contact information and submitted via your student application portal. Each question should be answered in a minimum of 300 words (1 page).
      • What has led you to pursue your undergraduate degree?
      • What are your long term personal and professional goals?

    *120 credits need to be completed to earn bachelor s degree

    Technology Requirements

    Ankle Sprain-Home Treatment #high #ankle #sprain #rehab #exercises, #home #treatment #of #disease


    Ankle Sprain – Home Treatment

    Ankle sprains take an average of 6 weeks to heal but can take can up to 4 months, depending on the severity. An ankle brace, air stirrup, hiking boots, or other form of ankle support should be worn during this time to protect the ligaments. After the ankle is healed, wearing an ankle brace or taping the ankle may help prevent reinjury.

    For more painful and severe sprains, you may not be able to walk, although you might be able to bear some weight while using crutches and a protective brace, such as a brace with a built-in air cushion or other form of ankle support. If pain is severe, use crutches until your doctor tells you that you can begin to bear weight. In general, if your pain is bearable, you should try to walk or bear some weight while using crutches and a protective brace, because these activities promote healing.

    Some people who have repeated or severe sprains can develop long-term joint pain and weakness. Treating a sprained ankle can help prevent ongoing ankle problems. Rehabilitation (rehab) exercises for an ankle sprain can be done at home to promote proper healing and prevent chronic pain and instability. When rehab exercises are not followed after a sprain, the ankle can become weak and unstable.

    In the case of a minor sprain, rehab exercises begin soon after the injury with walking. You can try wearing hiking boots or other high-top, lace-up shoes for support. But use caution. Don’t force your foot into a boot if you feel a lot of pain or discomfort.

    Stretching exercises should be continued daily and especially before and after physical activities to prevent reinjury. Even after your ankle feels better, continue with muscle-strengthening exercises and balance and control exercises several times a week to keep your ankles strong.

    The timing and type of rehab exercises may vary according to your doctor’s or physical therapist’s preferences. You will probably do the following types of exercise .

    • Range-of-motion exercises to move the joint as far as you can in every direction that it moves. You can start these exercises soon after your injury.
    • Stretching exercises to keep your Achilles tendon (heel cord) flexible while your ankle heals. You can start stretching as soon as you can do so without pain.
    • Strengthening exercises to strengthen the muscles so they help support your ankle. Talk to your doctor or physical therapist about the timing of strengthening exercises for the ankle. In general, you can start these exercises after you are able to stand without increased pain or swelling, as long as you do not feel pain while you do them.
    • Balance and control exercises to help your foot and ankle respond to activities, which can help prevent reinjury. You can usually start balance and control exercises when you are able to stand without pain. But talk to your doctor or physical therapist about the exact timing. You should not feel pain while doing these exercises. Also, don’t try these exercises if you could not have done them easily before your injury. If you think you would have felt unsteady doing these exercises when your ankle was healthy, you are at risk of falling when you try them with an injured ankle.

    Sprained Ankle: Rehabilitation Exercises

    WebMD Medical Reference from Healthwise

    This information is not intended to replace the advice of a doctor. Healthwise disclaims any liability for the decisions you make based on this information. © 1995-2015 Healthwise, Incorporated. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.

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    About Us #denver #drain


    About Us

    Expert 24 Hour Plumber In Westminster, CO

    Total Plumbing, Inc. has been serving the Denver Metro Area since 1980 and incorporated on March 22, 1982. On January 2, 2014, Total Plumbing, Inc. merged with MTech Mechanical.

    Recently, Total Plumbing, Inc. has decided to add “and Heating” to its name to better show the services they offer. Not only do they provide residential and commercial plumbing services, but also provide drain services and full heating and cooling services. With the new vision to be the TOTAL Plumbing and HVAC service provider, they want to be known as the company in the industry that provides quality service at a fair price.


    Our customers know that we go the extra mile to take care of them, no matter what size or type of customer they are.


    Realizing the importance of job security to all of us, we will continually work for the benefit of our employees and the company and to improve the competitive position of our firm. It is our goal to provide the very best product and service to our existing and future customers. Taking care of the customer first enables us to provide jobs and security for all members of our team. In 2014, we merged with MTech Mechanical. We still operate under the Total Plumbing name, specifically for plumbing service, HVAC residential service and plumbing construction special projects. Read more about our merger here.



    In our Service Department, we take pride in the word “service”. Our primary goal is 100% customer satisfaction. Total Plumbing’s foundation has and will continue to be built on satisfied customers.


    We took great care in choosing our name when we began in 1980. Our goal was providing the best possible service for any plumbing project, large or small.

    How To Get Your Free Annual Credit Report #apply #for #credit #card #with #no #credit #history

    #how to get your free credit report

    How To Get Your Free Annual Credit Report

    I’m thinking of a number. between 450 and 850. Do you know what it is? It’s my credit score, and it happens to be be 720.

    Ok, my credit score is actually 750, but I’m sure you’ve heard that commercial before from It’s the one where the guy is sitting on a producer’s chair talking about his credit score in front of a plasma tv. Well I’m here to warn you not to fall for their slick advertising. Their marketing technique is very clever but seemingly misleading. The free credit reports they offer are not truly free as most people would understand it. You have to enroll in their credit monitoring trial program to obtain your complimentary report. If you don’t cancel within the trial period, you will be charged. is the Only Official Free Credit Report Site

    There is only one truly free way to obtain your credit report, and that is through AnnualCreditReport . There are numerous sites out there that claim to offer “free credit reports”, “free credit scores”, or “free credit monitoring” but none of them are part of the legally mandated and official free annual credit report program. In most cases, the so-called credit report product comes with strings attached.

    By law everyone is entitled to a free copy of their credit report from the three major credit agencies, Equifax, TransUnion, and Experian, upon request once every 12 months. These credit reports usually cost upwards of $10 each. It’s a good idea to keep tabs on your credit report and credit score periodically for any fishy fraudulent activity. It’s also a good idea to know where you stand in the eyes of lenders. Don’t worry, requesting your own credit report is considered a soft credit check and won’t have a negative effect on your credit score.

    Your credit report will contain a snapshot of your entire payment history, accounts, balances, and payment history. Keep in mind that even though you are allowed by law to receive a free credit report every year, the free report does not come with a free FICO credit score . the three digit number that lenders use to gauge your credit worthiness. It’s disappointing that the free credit report doesn’t come with a credit score, which some consider just as if not more important than the actual report itself. Hopefully future government legislation will allow everyone to get their credit score as well. Currently, you will have to pay extra to get the score.

    How To Request Your Free Report

    To get your free credit report, simply visit their website at or call (877) 322-8228. You will have to provide identification information such as your name, address, and social security number. The website is jointly operated by the 3 major U.S. credit reporting agencies and each has to provide you a free copy of your credit report. You have the option of requesting reports from all three credit agencies at the same time, or you can choose to stagger the three requests as some experts recommend to better monitor your credit throughout the year.

    What If You Already Used Up Your One Free Annual Credit Report

    If you have already requested your free annual credit report within the last 12 months, you will have to wait until the 12 month period is over before you can request again from AnnualCreditReport. If you’ve already used up your free official credit report for the year, your other choices include taking advantage of the 1 month credit score and credit report trial offers provided by sites such as MyFico or Equifax . They will provide you your complimentary credit report and score for enrolling in their credit monitoring program’s trial period. Just remember to cancel the trial service if you don’t plan on using it after the trial period. Some people do choose to keep the service as they find the monitoring service to be useful. If you want to take advantage of trial offers to get your complimentary credit report and score, my suggestion is to stick with the major companies. There are many shady sites out there looking to steal your confidential information, so please be careful.

    Other Ways To Get A Free Credit Report

    There are few remaining ways to get your free credit report if you’ve already tapped out the option. By law you can get a free report if:

    • You are unemployed and seeking employment in the next 60 days.
    • You are receiving public welfare assistance.
    • You believe there are inaccuracies in your report due to fraud or identity theft.
    • Also, if you were denied credit based on information found on your credit report, you are entitled to a free copy of your report from the credit bureau that supplied the credit report. This entitlement would arise if you were denied insurance, rental housing, or employment due to issues found on your credit report.

    This entry was posted on 10/19/07 (Modified on 3/8/11) and is filed under Credit Cards. Deals and Offers. Debt Reduction. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response .

    How to get your credit report, score #free #credit #cards

    #how to get your credit report

    How to get your credit report, score

    Email story

    When you apply for a loan, the bank or lender will use your credit reports to make its decision. So it’s best to know what’s in your reports before the lender checks — and correct any mistakes before they cost you a car loan or mortgage.

    With multiple credit reference agencies, and various credit rating products and reports, getting the information you need may seem daunting. Here’s a guide.

    Get your statutory credit report

    The best place to start is your statutory credit report, which provides a summary of your credit history.

    By law, all three credit agencies — Experian, Equifax and Callcredit — are obligated to give you a copy of your statutory credit report. You can request your report from each agency as often as you want, and the maximum an agency can charge you is 2 per request.

    You can apply for your statutory credit report either online or by post. Here are the specific instructions for each of the agencies:

    When completing your application form, you will need to supply all your previous addresses from the past six years as well as information about anyone with whom you share credit — a spouse, for example.

    What’s on your credit report? According to the Money Advice Service . your statutory reports will typically contain:

    • Your name and date of birth.
    • Current and previous addresses.
    • A list of your credit accounts (cards and loans), when they were opened and their credit limits.
    • Late payments and when you made them.
    • Those with whom you share joint credit.
    • Information that’s in the public record, such as County Court Judgments. repossessions and bankruptcies.
    • Old accounts that you already closed. These will remain on your report for up to six years.
    • Any alerts placed on your account to show lenders that you’ve been a victim of identity fraud.

    Your statutory reports are important because they can alert you to any errors, such as accounts you never opened. If you see any, you can immediately begin the process of correcting those errors .

    Since each of the three credit bureaus’ versions of your credit report may differ (as different lenders report to different bureaus), it’s important to pull all three. That’s because you don’t know which agency future lenders will use to check up on you.

    Credit monitoring extras

    Getting a copy of your statutory reports is a good place to start, and should be enough for most consumers to keep track of their credit. However, if you’d like more extensive tools, the credit agencies offer them in exchange for a fee:

    Credit scores: All credit reference agencies offer a credit score. It’s important not to get this confused with a credit report. A credit score is a numerical assessment of your credit risk by a credit reference company, based on its own criteria. Using its particular algorithm, it will assign you a number (your score) to provide lenders with a snapshot of your credit health.

    Experian’s credit scores range from 0 to 999. Equifax’s scores range from 0 to 900. Callcredit scores, meanwhile, range from 0 to 1,500. In all three cases, the higher your numerical score, the better.

    As some lenders may require you to have a certain score to qualify for their best interest rate or rewards credit card, having a low score could automatically disqualify you from the best terms. By paying to check your score, you can keep tabs on your credit so that you know exactly when to apply for a credit product.

    Credit monitoring: Credit monitoring services inform you of any changes to your credit report in real time. If a new credit card account is opened in your name and registered to your address, you’ll receive an alert. You can then check the details immediately and, if you’ve been a victim of identity theft or the report is incorrect in some other way, you can take action.

    Even if the changes to your report are legitimate, credit monitoring can help you be more aware of how your actions will affect your credit.

    While a one-off report will furnish you with all of your credit report data, a credit-monitoring service will help you understand how lenders are likely to assess this information, which can be very useful if you’re planning to apply for new credit, says Experian spokesman James Jones. If your score is less than perfect you’ll also receive tips on how you might be able to improve it. Additionally, for people concerned about identity fraud, the monitoring and alerts element of the service may provide some valuable peace of mind.

    Here’s a sampling of what you can expect to pay for credit monitoring from the credit agencies:


    Experian’s CreditExpert service is free for 30 days. After that, it’s 14.99 per month. The service includes unlimited, free access to your credit report and unlimited views of your credit score. It also includes identity theft monitoring and expert tips for improving your score.


    Equifax offers a similar service called Credit Watch , which is also free for the first 30 days. It gives members unlimited access to their credit file and sends automatic alerts within 24 hours of key changes for 8.99 a month, says Neil Munroe, director of external affairs and communications at Equifax. Your credit score, meanwhile costs 14.99 per viewing.


    Callcredit’s Noddle service doesn’t charge consumers for accessing their credit reports and scores. It makes money from the service by selling consumers loans, credit cards and other products for which their credit ratings make them potentially eligible. Members get unlimited access online, and reports are updated each month.

    How To Get Pre-Approved for a Car Loan #barclays #credit #cards

    #getting a loan with bad credit

    How To Get Pre-Approved for a Car Loan

    1 of 3

    In a perfect world, we would all pay cash for our cars and never have to worry about debt or monthly payments. We would likely negotiate the sale price more aggressively with the salesman, because he would know that we had the money and could take our business elsewhere at a moment’s notice. In the real world, however, only a small percentage of people are able to save up enough cash to pay for a car in full. The rest of us have to finance.

    The problem with starting your car financing at the dealership is that you don’t know whether the loan you’re being offered is the best financing you can get. It can also complicate the negotiations and limits where you can shop to get the best price. The best way to counter this is to get pre-approved for your car loan. Getting pre-approved for a car loan is the closest you can come to the perks of paying with cash while not having to save up for months or years in advance.

    Where Can I Get Pre-Approved for a Car Loan?

    Auto loans are available from traditional banks (Chase, Wells Fargo), credit unions (Navy Federal, Boeing Employees Credit Union) or an online lender such as Up2Drive. Capital One or Blue Harbor. The interest rates and requirements will vary by lender, so it doesn’t hurt to shop around. Lenders will finance new cars and used cars, and some also offer car refinancing .

    What Are the Requirements?

    The advertised interest rates you’ll see on Web sites are usually reserved for those with good credit. If you have poor credit, however, there are still options. Lenders such as Auto Credit Express and are more willing to take chances on consumers with shaky credit. The rates will be higher, but at least you’ll know what you can afford.

    If you haven’t looked at your credit score in a while, it is a good idea to do so. This will let you know what to expect when you’re applying for a loan. All consumers are entitled to one free credit report per year.

    Once you’re approved, the lender will give you the total you are allowed to spend and the interest rate for which you were approved. What you do next will depend on whether you are buying a new or used car.

    If you know the exact new car you want to buy, you negotiate for the car as you normally would and the dealer will get in touch with your lender to arrange payment. Some lenders have a list of approved car dealers, so make sure you verify that the place you are doing business with is on the list.

    If you are undecided about what new car you want, many lenders will give you a sort of “blank check” that isn’t limited to a certain car or dealer. The check isn’t truly blank, because its maximum amount will be the one for which you qualified. With this check in hand you can now visit multiple dealerships and test-drive as many cars as you want before making a decision on what to buy. Once you’ve found the right car for you. hand over your check and the dealer will make the arrangements with your lender.

    The requirements for buying a used car are slightly different. Most lenders will specify that the car must be purchased at a franchised dealership. This rules out buying from private-party sellers and independent dealerships. There are also restrictions on the age and mileage of the vehicle. Capital One. for example, says borrowers can only finance up to  $40,000. The vehicle must be 9 years old or newer and can’t have more than 100,000 miles on the odometer.

    If you wanted to buy a used car from a private seller or independent dealership, you would have to take out a personal loan, which usually carries much higher interest rates.

    Why Get Pre-Approved for a Car Loan?

    Pre-approval might seem like an extra step in the car buying process (which already has plenty of them). But there are good reasons to take a little extra time to get a pre-approved car loan:

    • It encourages you to stick to a budget: A pre-approval notice will let you know exactly how much you can spend. Keep in mind that you will need to account for taxes and other fees. In other words, if you have been approved for a $30,000 loan, try searching for something that costs a few thousand dollars less.
    • It allows you to compare interest rates: There’s no guarantee that you’ll get the best rate by getting pre-approved, but at least you’ll have a baseline to compare with the rates that dealerships offer you. It is likely that the dealer will try to beat the interest rate you already have. You can either tell the dealer you’re not interested or fill out the dealer’s credit application to see what’s offered. Automakers often offer highly subsidized loan interest rates as a means of getting people to finance with them. We keep track of these advertised rates on the incentives and rebates page on, and it’s a good idea to check them.
    • It simplifies negotiation: Once you’re pre-approved, you can shop for the car as if you had a check in your pocket. This helps you keep focused on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. When asking for the price on the car, you can simply ask, “What’s the ‘out-the door’ price on this car?”
    • It reduces the risk of spot delivery complications: “Yo-yo financing” occurs when a dealer allows a consumer with shaky credit to take possession of a vehicle without the financing being fully sorted out. A few days later, the buyer gets a call from the dealer saying that the loan was not approved and that he has to bring back the car to either re-apply for a loan (usually with higher rates), or worse, come up with a larger down payment. Buyers can avoid situations like this if they have been pre-approved for a loan.
    • It saves time and hassle in the finance and insurance office: Car buyers dread the finance and insurance (F theoretically should be cut in half. And when the F float:left;margin: 5px;”>

    How To Get Credit Reports And Scores #guardian #credit #union

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    How To Get Your Credit Score For Free #hbc #credit #card

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