images11

Lorem Ipsum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec vel libero at lectus rutrum vestibulum vitae ut turpis. Ut ultricies pulvinar posuere. Nulla rutrum, libero nec pharetra accumsan, enim leo blandit dui, ac bibendum augue dui sed justo. Interdum et malesuada fames ac ante ipsum primis in faucibus. Duis sit amet fringilla mauris. Ut pharetra, leo id venenatis cursus, libero sapien venenatis nisi, vel commodo lacus urna non nulla. Duis rutrum vestibulum ligula sed hendrerit. Ut tristique cursus odio, et vulputate orci fringilla nec. Proin tempus ipsum ut augue consectetur, in varius dolor bibendum. Proin at dapibus nisl.

Aliquam purus lectus, sodales et est vitae, ullamcorper scelerisque urna. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla feugiat, nunc nec gravida varius, nisl tellus dictum purus, a tristique purus lectus eget orci. Vivamus faucibus diam erat, vitae venenatis neque convallis vitae. Etiam eget iaculis arcu. Duis id nisl sapien. Aliquam erat volutpat. Interdum et malesuada fames ac ante ipsum primis in faucibus. Quisque luctus lorem a odio congue auctor. Suspendisse potenti. Nunc convallis, ante sit amet lobortis eleifend, orci dolor lacinia diam, quis luctus ante magna non sem. Phasellus pretium aliquam enim, a suscipit elit sodales vel. Proin tincidunt quis ipsum in condimentum. Vivamus molestie sodales erat et feugiat. Maecenas venenatis, leo in adipiscing commodo, eros tellus dapibus dui, in dignissim risus ligula id elit.

Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Nulla facilisi. Donec semper nisi non enim pulvinar venenatis. Vestibulum semper metus.

images11

Stock Investment Company – The ins and outs

These days, it is not at all rare for one to come across such a stock investment company that offers services with big promises. Stock investment is a serious proposition and stock market positions are very difficult to understand. It is good to do some in-depth research before you choose a stockbroker or stock investment company.

There are many stock trading companies but the choice has to be made based on research. It is important to know and consider the qualifications of the company. The company has to be competent and to ensure this the credentials of the company have to be looked into. The customer should try to get as much information as is possible about the company. There are other issues such as the fees and commissions, which the stock investment company will charge for the stock market trading. If the fees and commissions are excessive, they will take up a major part of your stock trading profits. Your investment goals will be affected. Your decisions in transactions will also be affected. The fees and commissions that the company will charge, therefore, is an important consideration.

There are three principal types of stock investment companies. Some companies just carry out your stock trades. This means that you will instruct and you will buy and sell stocks. The companies will do just this and little else. The next type of companies will carry out your trading instructions and, along with that, provide you with helpful tips and stock market quotes. A type of stock investment company also serves as your investment planner. These companies will see your resources and investment objectives and do the management of the resource on your behalf. It is up to you to decide which type of stock investment company will be the best suited for your purpose.

You may also come across such a stock investment company that does not work with the stock market. The customer has to ensure that the stock investment company operates in the market where the customer intends to invest. If this is not the case, there is a waste of money and time. The advisory services of the stock investment company to help you out should be there. When you choose your stock investment company, you should notice whether it has the right investment advisory services. In stock market investing, no two persons are the same. The capacities of investing in stock markets vary from person to person. The best services are offered by the personalized services of the stock investment company.

business8

How The Copywriter Helps The Entrepreneur

One of my favourite assignments as a copywriter is to help entrepreneurs create the text to promote their new business, product or service. In my five years as a professional copywriter, I’ve helped clients as diverse as electricians, sales trainers, marketing companies, gourmet food shops, property developers, digital agencies, IT consultants and driving instructors to express what they offer in writing – usually at the early stage of building or planning the enterprise. The power of copywriting in that situation simply cannot be overestimated. There really is something almost magical about putting words on the page. It makes ideas real, generates commitment and focuses energy. Just by committing thoughts to paper, we can shape our futures. It’s easy to see how this benefits the entrepreneur as they plan or develop a business. Although most entrepreneurs generally feel positive and confident about their ideas, they sometimes find it hard to do them full justice on the page. Working from a different perspective – the outsider’s perspective – the copywriter can make sure that their client’s marketing pitches the offering to the right audience, with the right tone and the right emphasis.Sometimes, the appropriate ‘level’ for the message may be far ‘above’ the one expected or imagined by the entrepreneur. Sometimes, when they see what I’ve written, my clients respond ‘I could never have written that,’ or ‘I don’t recognise myself’. This type of feedback confirms that the entrepreneur may simply be too close to his or her product or business (whether emotionally or intellectually) to communicate its selling points effectively. If the business is a one-person startup enterprise, it’s easy to see why. Talking an idea through with a good copywriter (one who asks the client lots of questions) is a great way to road-test a new idea. ‘If we translated this concept into marketing messages,’ the entrepreneur is asking, ‘Would it fly? Would the proposition be consistent, compelling and capable of converting interest into sales?’ Here, the discipline of copywriting can act as a useful reality check. The dark side of confidence is over-confidence, and entrepreneurs are prone to many delusions and self-deceptions. But the copywriter cannot spin straw into gold; to make convincing copy, they can’t work with unclear, inconsistent or self-contradictory ideas. As part of the briefing process, the copywriter can help the entrepreneur to iron out all these tangles in their thinking – provided the copywriter is prepared to put some tough questions to the person who pays their bill.

resume

business18

How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

With the way the economy is today, and how most college funding sources are cutting back. Its essential, to think outside of the box and find out how to get free money for school. And if you can do it fast, without credit checks or high interest loans the better.

Before I give you the tactic to use to find funding for your school, let me let you in on a big tip to finding the money you need today.

Most financial aid counselors, teachers and parents mean well when they tell you to apply for Fasfa and government aid. But in reality, they have no clue about how things work anymore.

These traditional resources used to work, 10 to 20yrs ago but today they are overwhelmed with all the people entering school and older people going back to school.

This makes it impossible for you to get the money you need, and it leaves you to resorting to getting school loans that leave graduates in debt for an average of 30 to 40yrs.Not Good!

If you are just willing to think different and learn how to get free money for school, from non-traditional sources you would be way better of!

Here is one very effective way you can use this week, to get the college funding you need fast

Im talking about online funding giveaways and contests. Now, before you start forming your own opinion, hear me out

These are nothing like lotteries or empty promise companies, that charge you just to enter for a chance to win something.

There are tons of websites all over the place that offer money for school, that you register to win. What you end up doing is filling out surveys on how you think, how you spend your time online, what mosts interests you online and what are your top visited websites.

They then take this information and sell it to third parties for market research. This helps them structure their advertising and products. So you buy more.

In turn, they pay a fee to the website that sold them the information. This is how they can provide money for your school funding for free.

Very simple, but most students just don’t have the know-how to think outside of what everybody is telling them to do.

business13

How To Handle A Bank Robbery

Unfortunately, bank robberies are all too common in the United States. Reports estimate that a bank is robbed roughly once an hour. Luckily, due to new banking practices, bank robberies don’t net nearly as much now as they did in years past, which can deter would-be criminals from targeting banks. However, it’s a good a idea to know what steps to take if you are caught in the middle of a bank robbery. All banks train their employees on how to deal with a bank robbery, but you, as a customer of the bank, should also know what to do should the occasion arise.

First, know that no banks carry as much money as they have in years past. They don’t keep vaults full of money like the banks pictured in movies, because it is simply not safe. In theory, that should make them less of a target. However, the time might come where you are caught in the middle of a bank robbery. First, don’t panic. Remember that your money is insured, so the only thing to worry about in the situation is your safety. Remember that the ultimate goal is to get the criminal out of the bank, so letting him have what he wants, as well as allowing the bank employees to do their jobs by enacting their protocol for robberies, is important. Remember that banks have safeguards put in place, like bank bags, that only one or two employees can access. This money may be safe by simply not having anyone in house to access it.

As for your job, do your best to look at the bank robber and try and remember his physical description, what he or she is wearing, their height and weight, as well as any other defining physical features. You might also be able to spot the type of car he or she is driving as well as a license plate. These things will all help when the police arrive at the crime scene. In most cases, the bank employees will comply with the bank robber for the safety of their customers and it is imperative that you do the same.
If going into banks makes you wary, take advantage of the outdoor banking kiosks available for you. You can even make cash and coin deposits at any time during the day or night using a zippered bank bag and a night deposit slot found on the outside of the building. All of these transactions can be done from the safety of your car and save you the hassle of going inside the actual building.

business4

ComForcare Franchise Partners with NPDA to Provide Client-Centered Home Care Services

Streamwood, IL, October, 2012 – ComForcare of Northwest Suburbs in Streamwood IL, is proud to announce they are a member of the National Private Duty Association (NPDA). The NPDA partners with private home care agencies, and companies that offer home care aides, companion care, homemaking assistance, and other supplemental elderly care services to offer trusted and reliable caregiver information.

-The NPDA was founded on the principles of providing high quality private duty home care, and we are pleased to support that cause,- says ComForcare owner, Bryan Ernst. -At ComForcare, our practices reflect their model to employ, train, and supervise caregivers and to create a unique care plan for each of our clients in order to offer a safe, healthy, and independent lifestyle for them in the comfort of their own home.-

As a member of NPDA, ComForcare commits to employ trained caregivers and assume all responsibility for the payroll and related tax information to protect the client and provide the highest level of care. NPDA members also stand together to with the opinion that people should be able to age safely in place at home to the extent possible according to their desires and permitted by their resources. They also champion measures at both federal and state levels to promote home care quality and affordability.

To accomplish these goals, ComForcare offers affordable part-time and full-time home care services for clients on an individual basis to meet their specific needs. As an industry leader, ComForcare has been recognized for its exceptional client-centered transition of care program and relationship-based home care services. ComForcare uses a rigorous 10-step hiring process to ensure all caregivers meet the highest professional, education, and experience requirements in order to provide trusted, reliable, and compassionate care.

About ComForcare Home Care ComForcare began in Bloomfield Hills, Michigan, in 1996 as a company dedicated to establishing a new standard in the quality of non-medical home care. After perfecting the winning formula, ComForcare began franchising. They are one of the fastest growing franchises in the country with more than 135 franchise owners who operate 150 territories throughout the United States and in Canada and the U.K. Each independently owned and operated ComForcare office offers elderly care services including personal care, homemaking, transportation, companionship and family respite services to improve the quality of life and level of independence for every individual and family receiving our services.

ComForcare Home Care 2510 Telegraph Road, Suite 100 Bloomfield Hills, MI 48302 248-745-9700

images4

Business Entrepreneur and the Web Hosting World

Web hosting providers are able to offer business entrepreneur a number of different things when it comes to their Website hosting. Sometimes, Website needs better hosting types for its videos, since a faster connection will allow faster downloads and more consistent flowing. When it comes to web host for streaming videos from Internet servers, there are several important things that user will need to keep in mind. First, an entrepreneur will want to choose a web hosting service provider that is reliable. This is important because no matter how fast the connection is, if it keeps cutting out an entrepreneur will not be able to upload or download what they want to accomplish.

It is also important that the entrepreneur knows disk space and bandwidth limitation when it comes to their Website hosting. Actually there is a limitation on the amount that can be downloaded. When it comes to a web host flowing video from Internet servers, it is very important that if the user notices anything slow of unnerving about the process that they talk to their web host if there is any type of problem.

If an entrepreneur is curious about what type of hosting is suitable for video Website, there are certain options available, and their advantages are almost limitless. For some people, that change shape will be the fact that there are news videos available. For others, it will be the highlights from sports games and races or fights. And still others will be curious about the ever expanding world of online gaming business on the Internet. Even many business entrepreneur building entertainment videos Website for more profit.

This can change from place to place and while controls can be put on the system in order to block certain sites, it will also be important that there are discussions that take place in order to determine what, if anything, will be blocked, this way if anyone ever cannot access something they know why.

Searching for reliable web host on the Internet is not very difficult. All an entrepreneur needs to do is access the search engine of any web browser. From here it is very easy to type in what they want to look for. This will be important if the user want to get reliable web host for the Website. The entrepreneurs do not need to think they will be overcharged by their web host, because this will not happen. If the bandwidth and disk space or other resources used in a right way entrepreneurs do need to pay any extra charges for its specific use, but if they are not then the entrepreneurs need to be aware of what they are getting into.

business19

Wide Spread Loan Modification Abuse Avoid Becoming a Victim

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

>

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

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

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

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

Does not stop the foreclosure proceedings during the negotiation.

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

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

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

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

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

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

Hope NOW –

FHA –

California Department of Real Estate –

Making Home Affordable-

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

images10

Mom Entrepreneurs Getting Down To Business

Tips For Mom Entrepreneurs To Get Down To Business
If you’ve ever attempted to get anything done with a toddler around, you know it’s no cakewalk. It’s a challenge to do the dishes or the laundry (shower, anyone?) let alone actual, potentially lucrative work. Here are 5 ways that you can get down to business, even if it means doing these things between phone calls, diaper changes and mealtimes:

1-Find a need and fill it
Stop staring at the competition. Dont take someone elses idea or existing business, tweak it, and try to call it your own. Take a look at your life, your needs, wants and desires. Ask yourself, what would make your life easier? Find out how to help your friends do X if you have created Y? Filling a void in the market is, in theory, a cinch. Fill a need stop procrastinating. And not by thinking about it, talking about it or dreaming about itdo it
.
2-Create A Plan Of Action
Do not write up a business plan. Dont even Google the words “business plan.” Mom entrepreneurs dont have time to put together a lengthy, heady write-up of profits, losses and EBITDA (wha? Take a pen and write out your plan. Get the gist? Then dive in. Try things out. The more you work on your business idea, the more thrilled you will be to see it in actionand it will keep you building.

3-Work With Your Kids, Not Around Them
Stress being the killer that it is, skip it altogether. Dont fret the childcare or sweat the pick-ups/drop-offs. Incorporate your childs schedule into your work day. Teach them to play the Silent Game while youre on the phone. Have them create something you can hang in your office. And when that noisemaker screams during your conference call? Skip the embarrassmenta whole lot of people also have kids.
Theyll understand
Promise.

4-Embrace the web
The interwebs are your friends. You don’t have to get hooked into social media like facebook and twitter, but don’t stay away either. Make sure youre connecting with folks who can help you along in your business. Find local groups like The Founding Moms where you can meet up with fellow mom entrepreneurs face-to-face. Grow your network who will, in turn, help you and your business grow.

5-Meet up with fellow mom entrepreneurs
Theres nothing like meeting someone in-person. You should embrace the web and all that it has to offer. But, get out of the house. Not only will it bring you great joy to smile at other human beings, but your kids will appreciate staring at new walls, too. Tell us your trials and tribulations of being a mom entrepreneur, then shake hands with like minded people and know your not alone.
Youll thank yourself.

business19

How to Make Money Buying and Selling Estate Tobacco Pipes

One of my favorite things to buy and sell is vintage tobacco pipes. I’ve found it to be very easy to visit different flea markets, yard sales, auctions, and thrift stores and find great deals on vintage pipes.

Your key to success is education. You have to know what you are looking for. Like any type of collectible item, the most important thing to look for is (1) maker’s name, (2) rarity, (3) age, and (4) condition. We will cover each of these in more detail below:

1) Maker’s Name: Some of the more popular tobacco pipe manufacturers include Dunhill, Anne Julie, Teddy Knudsen, Tiffany and more. You also want to keep any eye open for meerschaum pipes. Typically, pipes made by an individual are more desirable than pipes that are mass produced.

2) Rarity: Obviously, the rare pipes are worth more than the common pipes.

3) Age: Typically, older pipes are worth more than newer pipes. There are a few exceptions to this rule, but this is the norm.

4) Condition: Condition is everything. People want the oldest, best and rarest, and they want it in mint condition.

If you are just getting started buying and selling pipes, the best thing you can do is visit your local libarary or bookstore, and get a few reference books. This will help you familiarize with the different types and makes of pipes. Another good option is to visit eBay and search the completed listings to find out which pipes bring the most money.

You will be pleasantly surprised to find that some pipes sell for several thousand dollars or more. And many other vintage pipes sell for several hundred dollars.

Once you’ve reviewed your reference books and eBay, you should start visiting local auctions, yard sales and flea markets and search for pipes. If you see a pipe that catches your eye, check it out.

My general rule of thumb is I never spend more than $5-$10 for a pipe that I don’t know it’s value. When I evaluate a pipe, I use the four criteria mentioned above. Typically, I trust my intuition. If I think a pipe has good potential, I buy it.

In conclusion, buying and selling pipes is a great way to make some extra money. You can get started by studying the different types of pipes and pipe makers. Once you learn the ropes, you can visit flea markets, yard sales and auctions and search for treasure. You will be surprised at what you can find.

To learn more about buying and selling vintage estate pipes visit our Treasure Hunter Community website.

images10

NJ Bankruptcy Attorneys and Loan Modification Lawyers Help Those in Financial Distress

In these tough economic times, nearly anyone could fall into financial hardship. Regardless of the circumstances surrounding a person’s situation, financial obligations do not let up. Very easily, a person can feel too far behind to ever catch up.

Whether medical problems, extended unemployment, or other unforeseen circumstances are the cause of financial distress, loan modification lawyers can help. Loan modification lawyers can work with creditors to renegotiate the terms of a loan.

While loan modification lawyers in NJ may work in the same practice as bankruptcy attorneys, but generally have a different emphasis. Normally, loan modification lawyers seek to prevent bankruptcy or foreclosure.

Loan modification lawyers know that creditors, especially the holder of a home mortgage, want to avoid the bankruptcy and foreclosure process. If a NJ bank has to foreclose on a property and work with bankruptcy lawyers, they will lose a lot of money.

NJ bankruptcy lawyers and NJ bankruptcy attorneys know that the foreclosure process itself is very expensive, so most banks would like to avoid it if at all possible. Loan modification lawyers help take advantage of this fact to negotiate loan conditions that allow the client to meet payments.

Loan modification lawyers can help a client ask for smaller payments spread over a longer time, or for a lower interest rate. Taking this step can keep a client and family in their home, and can be a responsible step to take at the earlier stages of financial distress.

NJ bankruptcy attorneys can help clients if loan modification offers are rejected or were not sufficient to alleviate financial distress. If a person simply cannot meet his or her financial obligations, NJ bankruptcy attorneys can serve as guides through the bankruptcy process.

Like the loan modification experts, NJ bankruptcy attorneys can work to keep families in their homes. NJ bankruptcy lawyers, however, must work within the court system to meet this goal. Once in court, a judge must approve the NJ bankruptcy lawyer’s plan to pay debtors.

NJ bankruptcy lawyers can ask for different arrangements, depending on circumstances. They can request that payments be adjusted, or that debt be absolved with the sale of the property.

Unfortunately, without NJ bankruptcy attorneys or NJ bankruptcy lawyers, the process can be very complicated. NJ bankruptcy lawyers specialize in this legal area, and can simplify and explain all options and proceedings. Clients also appreciate NJ bankruptcy attorneys’ assistance with completing and submitting paperwork.

About Us:

At the Law Offices of Kasuri & Levy, LLC, we have over 45 years of experience. Our loan modification lawyers have an outstanding reputation, and are known for handling complex matters with a comforting and personalized touch. We focus on providing quality service to each client, rather than handling client matters with quantity in mind. Learn more at www.kasuriandlevy.com.

business7

Which Investment Is Riskier Foreign Exchange Or Commodities Trading

In the financial markets, there are several investment instruments that one can pursue. Times have changed and the capital driven markets have increased in popularity in recent years. Its of essence to note that the majority of these investment instruments normally have some correlations with the market data such as sector indexes, currency prices, and commodity prices. Out of the investment opportunities available out there, foreign exchange trading and commodities trading are considered to be the most risky.

The foreign exchange market is more volatile than the commodities market. Generally, the movements witnessed in the moving averages and the Relative Strength Index (RSI) is larger in the forex market than in the commodities market. This is to say that the level of trading activity in the commodities market is not as much as in the forex market. A trader risking 30 pips in the forex market is likely to experience loss faster when the trade goes against his or her expectations.

The risk of trading in the commodities market is lower because the daily movement of prices does not tend to be much. For example, in a day, the price of gold may move by about 1-10 pips. Therefore, losing 10 pips or gaining the same amount of pips is not very risky. Lets take an example of EUR/USD currency pair in the forex market: the pair usually moves by about 50-150 pips per day. Thus, this increases the level of risk a trader is exposed to.

The movement of currencies in the foreign exchange market is determined by several factors, chief of which is the economic health of the country a particular currency represents. At one time a currency may be depreciating in value because of the release of some poor economic data, and moments later, the same currency may start appreciating because of some impressive data. As such, success in the forex market requires someone with an active personality who can stay up-to-date with the events in the world. On the other hand, the movement of commodities is not influenced by such many factors; therefore the risk of investing in them is much lower.

To this end, it goes without saying that investment in the foreign exchange market is riskier than investment in the commodities market. Apart from its many benefits, investment in the foreign exchange market is a considered to be a more risky choice of trading.

images13

SOCIAL MEDIA MARKETING FOR SMALL BUSINESS

SOCIAL MEDIA MARKETING FOR SMALL BUSINESS

About 33 % of consumers are not connecting with brands on social networks, according to a new report by interactive marketing firm Razorfish. Razorfish surveyed 1,000 consumers who reported both social media and ecommerce activity with the goal to find out how social media influences their purchasing decisions. 80 % were members of at least one social network and 40 % were active in two. -Social media has quickly become one of the most talked-about topics in marketing. We didn’t want this report to just be more of the same, so instead we took a different, more scientific approach to evaluating this phenomena and measuring its effects,- said Shiv Singh, VP and Global Social Media Lead at Razorfish. -Today, a brand’s actions speak louder than its words and pushing out messages is no longer enough to excite and engage consumers.- The question is now: How about you the small businesses and your social media activities? More than brand companies, small and medium business should step into social media marketing to expand your message and spread the word to the potential client, to make him informed, to make him interested and to make him a paid customer. To bother your targeted audience with outbound advertising messages is not enough in today’s times. The user out there has established some kind of personal advertising filter. Moreover he wants to find valuable information when he decides that he needs them, not when you decide to send him message through email marketing, radio or TV commercials, or call him by phone and disturb his daily doing. You need to build your credibility to address your marketing message. You need to be personal and authentic and to avoid sounding like an advertisement. Behelpfuland bevaluableofferrelevant content. This is the way how you as a small business cangain customer loyalty. – BE THE FLAME NOT THE MOTH! – Read more great posts like this one, visit -Blog Ad Monkey-. Stay tuned and subscribe to my blog viaRSSto get more great posts like this one. Your comments and ideas are welcome!

KPMRS is a free website ranking monitoring, Keyword rank checker and Back link tracker SEO tool . It tracks search engine positions for keywords phrases on Google, Yahoo, Bing and Monitor your website rankings for different keywords for free.

business9

Financial Exploitation The Undetected Abuse To Seniors Part 1

Undetected or Unreported?

For all types of elder abuse: for every reported case, there are 23.5 unreported cases.

For financial exploitation: for every reported case, there are 43.9 unreported ones.

For neglect cases: for every case undergoing investigation, there 57.2 unreported cases.

The New York State Elder Abuse Prevalence Study was the second-largest study ever conducted on elder abuse and the first one conducted on a statewide scope. Although the studys contents have not yet been released by New York State Office of Children and Family Services, the grim figures above were presented during a recent conference.

Scarier still, is the implication that the incidences of abuse may actually be even higher since the study excluded older persons who were unable to participate in telephone surveys.

Surprisingly, the most commonly reported was emotional abuse, followed by physical abuse; however, financial exploitation seemed to be the most prevalent form of elder mistreatment.

If previously undetected, how do we know if its occurring at all? And what can you do to stop it?

Prevention

Monitor Financial Activity. Look for these things:

Unusual activity based on ability, e.g. ATM use by a physically impaired person
Unexpected new withdrawals in round numbers ($50, $100, $1,000, etc.)
Withdrawals from a savings account or from checking accounts despite of penalties
Increased financial activity on bank statements
Requests to change account beneficiaries or issuance of authorizations
Elder showing signs of confusion related to finances
Property title changes or re-financing reports

Monitor Inheritance and Wills. Watch out for:

Changes in Power of Attorney or Durable Power of Attorney
Will or trust modifications when the elderly is incapable of requesting changes
Requesting will or trust changes that are in favor of a much younger friend

Caregivers should take note of these unusual behaviors:

Avoidance of discussion of financial matters that were once routine
Elderly showing signs of depression
Caregiver says the elderly wants to avoid calls and visits
Caregiver seeming to be overly concerned with financial matters
Caregiver speaking for the elder even when the elder is around
Perform background check if the caregiver has other means of support other than the elders income

Where to Get Support

For more resources related to elder abuse, you can contact the APS Network. You can find the appropriate contact numbers to call by clicking on the Report Abuse button on their website and then choosing your state.

If you require immediate legal assistance, you can contact local attorneys with years of expertise in elder law. For example, in Indianapolis City, you can reach out to Applegate-Harden Law Firm.

images19

Getting Legal Help for Mortgage Modification

Apart from losing your property, a foreclosure may also mean a negative impact on your credit score. How do you prevent this from happening? Sometimes, financial problems may lead to failure in mortgage payments that inadvertently lead to foreclosure. In such a situation, a mortgage modification may be an effective solution.

How do you approach this? It is necessary to get advice from a real estate attorney to handle it properly. He/she would have in-depth knowledge of the Illinois laws relevant to the matter. The following tips could help if you are trying to get a modification to the mortgage plan.

Plan every detail. Initially, this was available for homeowners in default, for a period of 90 days. However, nowadays, this is not a requirement. If your financial situation seems grim, it is better to plan even before you actually default on your loan. This gives you enough time to prepare for it.

Get legal advice. Consulting a real estate attorney in Chicago can be of immense help. A legal professional specializing in loan modification may help you with the planning and negotiation. Moreover, he/she could also help you find out the actual lender, whom you have to negotiate with to avoid foreclosure.

Gather all relevant documents. You would need to provide your lender adequate details pertaining to your financial situation, especially the income and expense details. Therefore, you need to gather documents like your pay-stubs, income tax return, savings and other assets, second mortgage or other credit and so on.

Prepare the hardship letter. This helps the lender understand the reason you got into the financial mess. Explain the details of your situation, and the reasons for it, in simple and lucid terms. Do not exaggerate or fabricate. Do not write a very long letter (no lender would have the patience of going through a five page letter).

Negotiate with patience. You can do it on your own if you have enough knowledge and experience. Get your attorney for help if you are not very confident. Do not settle for an amount that you would be unable to pay. Negotiate with the lender in the presence of your attorney. Still better, let the attorney do it on your behalf.

Finally, do not opt for an attorney who asks for upfront fees. You may be in for a shock as many such services are fraudulent. Choose a reputed and reliable legal advisor to prevent the foreclosure.

If you have come across any legal issues and do not know what to do and whom to ask, exploit this Houston Lawyer Directory to hire a professional lawyer to deal with your case.

images5

Uniformmarket At 2013 Naumd Trade Show

The 2013 NAUMD trade extravaganza, Innovation in Action are going to be held April 5-8, 2013 at the Renaissance Orlando perplexed World. UniformMarket continually attends the NAUMD trade extravaganza to be told what’s new within the Uniform, Footwear, Gear and Accent Trade.

Throughout the year, UniformMarket asks its purchasers that new suppliers they’d prefer to see added the seller Alliance Program, which forms the premise for the work that the executives of UniformMarket do at the NAUMD convention. UniformMarket goes to the NAUMD expo, introducing their business ideas to new uniform trade suppliers and discussing with these suppliers how their participation within the Vendor Alliance Program will profit their distributors additionally as their own businesses. The fullview of the UniformMarket private Store (Company store) ideas, additionally because the on-line uniforms store builder is usually a watch opener for the suppliers at the NAUMD trade extravaganza.

NAUMD 2013 are going to be no totally different, with UniformMarket visiting current suppliers and looking out to fulfill new suppliers. If you’re a retailer, reseller or distributor of uniform, gear, footwear and accent who has interest in a very web site store builder, whereas you’re at the 2013 NAUMD trade extravaganza, offer us a decision and tell us who you would like added to the seller Alliance Program or talk over with us concerning our personal company store ideas.

UniformMarkets Vendor Alliance Program allows makers to share their entire family of uniform programs, images, products, videos, size charts and different promoting materials all the way down to the SKU level to be used in their approved resellers websites. Your approved dealers will simply deploy and maintain up-to-date Uniform eCommerce Websites along with your product, that makes the uniform getting method a lot of seamless and economical.

At UniformMarket, we tend to are committed to advancing the uniform trade makers and their retail channel by increasing their selling hours, client service, and shopper reach through the utilization of advanced on-line company store services. Over the past 5 years, uniform resellers are able to access and sell over 1,000,000 product using the UniformMarket Store System (UMSS). Resellers have deployed each public internet stores additionally personal stores from that complete Uniform Programs are sold and managed.

UniformMarket allows approved retailers to use your product info with our Vendor Alliance Program. The seller Alliance Program dramatically improves the potency of the retailers to come up with incremental revenue via Uniform eCommerce Solutions additionally to their retail stores.