February 26, 2015 | Comments Off
Los Angeles-Long Beach, CA (PRWEB) February 18, 2015
National Debt Relief recently shared in an article published February 13, 2015 on how consumers can prevent falling victim to identity theft. The article titled 8 Important Tips To Prevent Identity Theft lays out some very helpful tips for people to be able to have a proactive approach against identity theft.
The article starts off by pointing out how rampant identity theft has been. It has been happening left and right at an alarming rate that it is almost impossible to pick up a newspaper or watch a news broadcast without learning about another theft. Identity theft is as common as sunshine in the morning which is pretty scary especially for the victims.
Consumers who are looking for ways to protect themselves from identity theft is by looking at request a 90-day credit alert. Also known as fraud alert, the article explains that this allows people to give their existing or new creditors a heads up that they are either already a victim of identity theft or that they feel they are going to be.
Another tool for consumers to consider is getting a free credit report from either one of the three major credit bureaus or all of them. Consumers need to remember that they are allowed to have one free report a year. The article suggests that consumers get their credit reports one at a time at four-month intervals. This allows them to monitor their report every year at no cost.
The article also suggests that consumers put their statements under the microscope and be on alert for any irregularities in their purchases. Once they see that there is record for an item that they did not buy themselves, report it to the lender right away. This helps in addressing the problem as soon as it happens.
Keeping copies of everything can also help in the fight against identity theft. The article suggests keeping all correspondence and paperwork relating to credit reports safe. These can come in handy when reporting any malicious activity in their statements. To read the full article, click this link: http://www.nationaldebtrelief.com/8-important-tips-prevent-identity-theft/
E-Commerce Outpacing Brick and Mortar shops: eConsumerServices Spotlights E-Commerce development and styles, therefore the Evolving part of Dispute Mitigation with 5 guidelines
February 22, 2015 | Comments Off
Tampa Bay, FL (PRWEB) February 17, 2015
A new report granted by the nationwide Retail Federation (NRF) projects that on the internet and other non-store product sales will grow 7per cent to 10% this current year, outpacing the predicted 4.1% growth the retail industry as a whole (1). Relating to Gary Cardone, CEO of transaction dispute firm eConsumerServices, growing e-commerce styles are switching just how merchants and customers do business and helping to drive future development. But an increase in on the web sales often means a corresponding increase in credit card chargebacksand subsequent trickle-down costsunless merchants and clients work together in order to avoid and solve charge card conflicts.
Cardone notes you will find five crucial e-commerce trends that web merchants can capitalize on to profit consumers, improve client satisfaction and encourage repeat company. Here, eConsumerServices analyzes those trends additionally the role of dispute mitigation in shaping the ongoing future of internet shopping:
1. Boost the User Experience. Consumers currently have the ability to compare products, rates and reviews from dozens of businesses with one search; so organizations have to provide an exceptional customer care knowledge to participate. Research firm Harris Interactive found that 50percent of customers stopped using the services of an organization that didnt answer questions within one week, and 89percent of customers began employing a competitor after an unhealthy customer service knowledge (2). By proactively handling clients needs and immediately resolving any issueswhether through in-house customer support associates or a dispute mediation servicecompanies can change an adverse knowledge into a confident one while minimizing costly chargebacks.
2. Personalize the Buying Experience. Buy behavior information has the possible to benefit customers and retailers alike, supplied merchants manage that information carefully. A research by Accenture unearthed that 73per cent of consumers would like to sell to organizations which use buyer data to make their knowledge more cost-effective from a single action to the next, 75% appreciate organizations that modify messaging and provides to be relevant to all of them, and 88per cent desire the flexibleness to manage exactly how their private information is employed to tailor their knowledge (3). Giving customers a say in exactly how their particular data is utilized and leveraging that information to provide a more efficient and appropriate shopping knowledge enables boost customer care and brand name loyalty.
3. Make Mobile a Priority. Modern online shopping information demonstrates that mobile phone features captured an escalating share of both traffic and sales. According to IBM benchmarks the 2014 yuletide season, cellular devices taken into account 45percent of online traffic and almost 23per cent of on the web salesrepresenting a rise of greater than 25% year-over-year (4). By simply making it much easier for consumers to find items, compare rates and put requests while on the go, stores can capture a larger share for the cellular market while allowing clients to enjoy instant shopping satisfaction.
4. Leverage the Power of Social Media. Accentures survey disclosed that 92percent of participants are more inclined to buy from an organization that utilizes social networking stations (3). Harrison Interactive discovered that 26percent of consumers published unfavorable comments on social media after an undesirable customer support knowledge, and just 21percent of them got an answer to their grievance. But the type of which performed, over fifty percent had a confident a reaction to the organization: 46per cent said they certainly were happy by the companys response, and 22percent consequently uploaded an optimistic opinion (2). By acting rapidly to handle consumer concerns posted on social media marketing, merchants can develop goodwill. Those that dont have the time or sources to instantly investigate a complaint can recommend customers to a transaction dispute solution.
5. Accelerate Delivery. With e-commerce leaders supplying same-day delivery in some areas, its redefining consumer objectives for speedy delivery. Business Insider estimated that $ 100 million worth of merchandise would be delivered via same-day fulfillment in 2014; but 92percent of individuals are nevertheless willing to wait four days or longer with their e-commerce plans to-arrive (5). The class let me reveal that quicker stores have the ability to process and ship instructions, the sooner their merchandise is within customers arms.
These e-commerce styles tend to be generating a better and faster internet shopping knowledge for consumers, while enabling savvy online merchants to improve their share of the market, stated Cardone. But between increasing online product sales volumes and elevated customer expectations, retailers have to be ready to react rapidly to consumer issues and grievances. A lengthy wait can lead disgruntled consumers to submit a chargeback, causing greater charges for merchants and trickle-down cost increases for consumers. Our knowledge shows that bank card dispute mediation is a far better solution both for parties; it offers quicker quality, reduces high priced chargebacks and encourages better interactions between e-commerce merchants and consumers. This has the potential is a real game-changer later on of online shopping.
To learn more about eConsumerServices and its own deal mediation services, see http://www.econsumerservices.com.
About Worldwide Danger Technologies and eConsumerServices:
International Risk Technologies is most known for its role in payment handling solutions that focus on each side of the worth sequence: Chargebacks911.com and eConsumerServices.com. The company is headquartered in Tampa Bay, Florida, with workplaces in Ireland and Atlanta. They usually have roughly 350 workers worldwide, and currently manage over 150MM in transactions monthly, with customers found in the U.S. and Europe.
eConsumerServices targets the cardholder or consumer being encourage transactional resolution before it progresses to a chargeback. The organization caters to the B2C (business-to-consumer) sector of Globals initiative, in working to understand better standardization and increased performance within the repayments industry. eConsumerServices is an online mediation solution that works to effortlessly and effortlessly resolve transaction issues between merchants, consumers and banks. For more information, see http://www.eConsumerServices.com.
1. Financial Outlook: Stronger Growth in 2014 units the Stage for 2015; nrf.com/news/economic-outlook-stronger-growth-2014-sets-the-stage-2015
2. 2011 Buyer Experience Influence Report; 2012. oracle.com/us/corporate/acquisitions/rightnow/seven-power-lessons-wp-1502937.pdf
3. Todays Shopper Preferences: Channels, Social Media, Privacy and also the customized knowledge; accenture.com/SiteCollectionDocuments/PDF/Accenture-Interactive-Exec-Summary-Survey-Results-Nov-2012-2.pdf
4. Holiday Benchmark information alarm: total Getaway on line Sales Up 13.9 the 2014 period; www-01.ibm.com/software/marketing-solutions/benchmark-hub/alert.html
5. Same-Day Delivery: E-Commerce Giants tend to be Battling to Own the past Mile; Business Insider; businessinsider.com/e-commerce-and-same-day-delivery-2014-9
February 20, 2015 | Comments Off
Foreclosures: Should I Have a Subscription?
Find out about property foreclosure subscriptions. Choose out if a property foreclosure registration is really what you desire!
Property foreclosure listings usually have much better offers than typical listings, but foreclosure listings which you subscribe for have also better provides! Subscriptions for foreclosure listings tend to be a lot like subscriptions for publications. Therefore, while you do purchase the program, the cost is minimal and you will have a lot more information within reach. Exactly why you will discover subscriptions to particular foreclosure directories is primarily because representatives tend to be compensated to discover the most truly effective deals to put up individuals listings.
You can easily get an excellent offers on standard property foreclosure directories, nonetheless, it’s likely a lot higher you will learn even a better deal for what you’re seeking in case you sign up to foreclosure listings since you will likely be hands down the very first to see the finest of provides. The best of offers are the ones that normally market the quickest and as a result, some circumstances promote even prior to everyone features a opportunity to ascertain them as they are perhaps not listed in any typical foreclosure listings when they offer across the foreclosure listings that require a subscription.
Also in case you sign up to property foreclosure directories, it is vital to check the listings as usually while you’ll be able to to make sure that you simply beat everyone else who may have subscribed to your best provides. Unless you subscribe, it really is more imperative that you just constantly test the foreclosure directories given that you will end up contending versus numerous additional gents and ladies (the typical public), and finding just as good of a deal is likely to be a whole lot extra tough. The great would be the fact that there are several internet sites that make regular property foreclosure listings, in addition as people that you subscribe for, quite easy to make use of. As a result, examining numerous times each day for foreclosure listings doesn’t always have to-be tough, it’s going to just get slightly time, alongside a little work to remember.
Foreclosures Listings: how to Get The best package
Discover about foreclosure directories. Discover out exactly how it is possible to get the best offer!
Just in case you lack a registration, it’s even more needed which you test the property foreclosure listings regularly considering the fact that you will end up contending versus a whole lot extra customers. There are numerous the web sites online making it undoubtedly effortless to check on foreclosure listings and to search and get what you are actually looking for, therefore checking frequently won’t be tough, it will simply take somewhat little bit of time, then one that choices to-be recalled to-be done on consistent basis, ideally many instances each day. The foreclosure directories that you can a subscription to are simply as easy to navigate by means of.
By examining property foreclosure listings really often, it is nonetheless achievable for about of the same quality of a package regarding the regular property foreclosure listing, however, by subscribing becoming 1 of your 1st to understand most reliable offers on foreclosure listings, you may be greatly predisposed to have a lot better package on which you are trying to find.
Composing business articles is the way I made my cash. I love writing and can continue to do therefore so long as i could.
Associated Credit Rating Articles
February 18, 2015 | Comments Off
Plymouth, MI (PRWEB) February 17, 2015
inside chronilogical age of regular internet based safety breaches, income tax season might seem much more stressful to customers this year. And, taxpayers searching for assistance from qualified taxation preparers can be surprised to discover that just four states Ca, Maryland, New York and Oregon have actually adopted instruction and recertification needs for paid taxation preparers.
Inside greater part of says, tresses stylists are susceptible to more oversight than paid taxation preparers, says Wayne Titus, founding member of AMDG Financial, a fee-only monetary services company providing you with income tax preparation as part of a holistic way of helping clients achieve their particular economic targets. Thats why its very important to taxpayers to accomplish their particular homework before selecting a tax preparer and means for processing this current year.
Titus says certified general public accountants (CPAs) and solicitors are considered enrolled representatives by the U.S. irs (IRS), meaning they’ve earned endless practice liberties before the IRS. Other individuals who come to be enrolled representatives must demonstrate competence in tax matters through a written exam. All national taxation return preparers must acquire you need to include a Preparer taxation Identification quantity, or PTIN, when filing returns.
When interviewing a prospective income tax preparer, make sure to ask whether or not the individual has a PTIN, incase she or he intends to signal the return as a preparer, says Titus. Preparers must sign comes back, anytime your preparer will not signal, you need to bring your personal data somewhere else.
Titus says the Michigan Association of Certified Public Accountants (MICPA) has generated a free of charge, downloadable tip sheet to assist consumers get a hold of a competent, honest income tax preparer. MICPAs Top 10 Questions to Ask a Tax Preparer: Tips, Hints and Warning Signs also provides definitions for common tax preparation terms, as well as numbers to demand those who think they could have grown to be victims of fraudulence.
The law calls for taxpayers to register an income income tax return, says Titus, and also if someone makes the return, the taxpayer remains accountable for the info. While no approach to filing fees is wholly risk-free, those who educate on their own before dealing with a paid tax preparer can greatly reduce their odds of becoming victims of fraudulence, he included.
About AMDG Financial
AMDG Financial (http://www.amdgservices.com) is a fee-only fiduciary registered investment adviser (RIA) in Plymouth, Michigan. The company handles more or less $ 80 million in possessions for customers. AMDG Financial ended up being one of the primary 10 firms globally to be certified because of the Centre for Fiduciary Excellence (http://www.cefex.org/advisor) as after international recommendations for investment adviser fiduciaries. The companys credo is, From financial wisdom, better stewardship.
February 16, 2015 | Comments Off
Anthem Offers Free Identity Burglary Repair As well as Credit Keeping an eye on After Breach
Present and also previous Anthem members dating back to 2004 are being offered identity maintenance and repair help and also credit history surveillance services via AnthemFacts.com beginning at 2 p.m. ET on Friday, Feb. 13, 2015. Additionally, some members of other independent Blue …
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LETTER: Identification theft is simply a swipe away
If ever before there was a demand for vigorous research study and advancement, vulnerabilities intrinsic not simply to individual identifications yet even more basically to national safety should be put on top of any short list. Let'' s concentrate on developing impermeable guards …
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Anthem begins offering cost-free ID-theft keeping an eye on solution
RICHMOND– Anthem Inc., the health and wellness insurance firm whose database containing consumers' ' individual info was hacked, said its consumers now can sign up for identity-theft monitoring services. The business, the nation'' s second-largest health …
Find out more on The Daily Development
Anthem to offer identity burglary protection starting Friday
Baseding on the declaration, Anthem has been collaborating with a supplier that is “”quickly making the necessary preparations to give credit surveillance and identification theft protection solutions to the millions of individuals potentially influenced by this assault. We …
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February 14, 2015 | Comments Off
Cardiff University Pre-Departure videos 2013: This video clip provides some information for worldwide students about the coach collection service given by …
Video Rating: 5 / 5
February 13, 2015 | Comments Off
Mechanicsville, VA (PRWEB) February 11, 2015
Colonial Farm Credit had been recognized using coveted Phelps-Martin Award for Community Service by the Farm Credit Council at Councils Annual Meeting in San Francisco. Farm Credit associations from across the country are eligible becoming selected for the prize as tend to be their users and staff members. Colonial Farm Credit obtained the honor for the breadth of their programs emphasizing outreach and training of youthful, beginning, and tiny farmers throughout its area of eastern Virginia and southern Maryland.
We have been humbled to be plumped for for this award at excellent programs becoming conducted by Farm Credit associations, noted Greg Farmer, president and CEO of Colonial Farm Credit. This prize acknowledges the dedication of our employees and directors to serve and enhance our outlying communities. The highlighted programs is partnership with 28 farmers areas by providing financial sponsorship and marketing materials to assist them to advertise and boost their local markets.
Another section of outreach is the partnership with Virginia State University, a land-grant University located in Petersburg, Virginia. Virginia State University has a great, and special, series of programs focused on the small and starting farmer into the central Virginia area, assisting them start greenhouse or livestock functions along with specialty crops and aquaculture. Colonial Farm Credit helps by giving monetary sponsorship of activities, making loan officers open to provide workshops, and being associated with their particular Iron cook and Ag Business Plan tournaments.
One particular location mentioned by the judges for compliments had been the Colonial Agricultural Educational Foundations grant program. In 1990, Colonial Farm Credit offered the seed money for this program and consistently support it annually. The Foundation provides 94 scholarships totaling $ 157,500 to pupils in rural Virginia each year and it has provided over $ 2,000,000 in scholarships since its beginning.
Accepting the prize in san francisco bay area on the behalf of Colonial Farm Credit were Hugh Jones, chairman of board of directors and a dairy farmer from Nottoway County, Virginia; and Megan Lawson, advertising professional and also the coordinator of numerous of this outreach programs noted in prize. With respect to the board of administrators and members of Colonial Farm Credit, we have been happy and humbled to get this prize, stated Mr. Jones. The board supports our mission of outreach and is specially proud of the job for the Colonial Agricultural academic Foundation to produce scholarships into future of farming and rural America.
Concerning the Phelps-Martin Award
The yearly honors were established by the Board of Directors of Farm Credit Council in the memory of two Farm Credit staff members, Steve Phelps, Farm Credit Council general advice, and Marsha Martin, president of the FCA Board and former Tx region bank senior vice-president, each of who passed away of cancer tumors in 2000. Each have been very energetic operating for their communities plus in help of farming.
About Colonial Farm Credit
Colonial Farm Credit is a customer-owned financial cooperative and member of the across the country Farm Credit program. Colonial Farm Credit loans funds and provides financing expertise to farmers, agribusinesses and outlying property owners for land, homes, and farm operating purposes. With twelve offices offering eastern Virginia and southern Maryland, the cooperative features over 4,625 members and $ 607 million in loans outstanding. The entire Colonial Farm Credit 2014 annual report can be acquired at http://www.colonialfarmcredit.com.
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February 11, 2015 | Comments Off
Arlington, VA (PRWEB) February 05, 2015
Tens of millions of Americans could be victims of the latest corporate data breach, this one at Anthem Insurance. Unknown hackers apparently stole personal identifying information (PII) from current and former Anthem customers, including names, addresses, Social Security numbers, dates of birth and other information that can be used for identity theft.
Anthem has set up a separate website with information on the breach, but Better Business Bureau recommends that consumers always go to a companys main website first and follow links from there. Scammers often take advantage of data breaches and subsequent confusion to set up spoof websites and send phishing emails.
BBB offers the following suggestions for consumers concerned that their PII has been stolen (also available at bbb.org/breach):
February 9, 2015 | Comments Off
Joanne from Experian talks about what you can do if you spot errors or mistakes in your credit report. http://www.experian.co.uk/ You can watch more credit q…
Video Rating: 5 / 5
Do you see something in one or more of your reports that doesn’t seem right? Here are steps you can take to fix a potential problem. For more information on …
February 5, 2015 | Comments Off
Two Chicago suburbs drop their particular credit ratings
Wall Street credit history agencies recently withdrew reviews for two south suburban Cook County cities after they did not update their particular existing monetary reports. Standard & Poor's Ratings Services revoked the town of Dolton's BB credit history on Jan.
Read more on Crain’s Chicago Company
S&P cuts oil producer Afren's credit rating
Feb 4 (Reuters) – Standard & Poor's cut its long-term corporate credit score on Afren Plc to 'SD', or selective default, from 'CC', becoming the next major reviews agency to downgrade the oil producer within over per week. "We downgraded Afren …
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Experts say S&P's huge good won't fix credit-rating disputes
S&P's settlement revealed Tuesday with the U.S. federal government, 19 states while the District of Columbia scars a public chastening of a significant credit-rating agency accused of knowingly overrating harmful mortgages that ignited the crisis. Washington, certainly one of …
Find out more on The Seattle Times