Tag : does

Business Development – What does it mean? Who is it for? #market

#business development


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Business Development – What does it mean? Who is it for?

Is it the same for everyone?

Having now worked in a number of roles that you might consider as business development (BD), I thought I’d start my publishing journey on LinkedIn (this is my first post) with a bit of reflection.

I often get asked what the difference between straight selling and BD is, so I thought I’d try and define the differences (for my own sake, if nothing more!).

To some degree, they’re different sides of the same coin.

Selling and BD go hand in hand.

I’ve been in roles where I’ve been strictly selling, others where there is a combination of sales and BD, and also in roles that I would consider true and pure BD.

In all, however, I’ve had some link to what would be considered BD within that particular business.

So the answer to the header title is no, I think; BD is different for everyone and every business, dependent on a number of factors – budget, size of workforce, attitude to BD, etc.

What is ‘true and pure’ BD?

The sales process is one that involves a lot of people – product development, designers, pricing, marketing, technical, management – ‘front-line’ salesmen and ‘top-end’ management need to combine forces to deliver a product that their customers want.

If you walk into a shop to buy a pair of trainers, for example, this has been designed from the early stages by trained footwear designers, manufactured from these designs in a production process of sorts (industrial or bespoke, depending on the brand), marketed in the appropriate manner to raise awareness of the product, eventually landing on the shelves of the shop you’re in, with a friendly guy/gal willing to help you transact some business when you make the decision to buy them.

So where does BD fit into this process? What’s it all about then?

I think the foremost word that comes up in the BD world is ‘relationships’.

That’s pretty much what it’s all about.

Good business development will help identify, maintain and encourage relationship building within a firm, building rapport with both suppliers and customers.

It helps strengthen the bonds between these links, supporting the marketing copy and material that establishes your product in the relevant marketplace.

It helps provide information as to what the client needs to the ‘front line’ sales team, assisting them in closing the deal at the end of the process.

It helps inform management as to how the market is moving, providing insights into new developments of technology, social media and other digital avenues that the firm can take advantage of, to build and maintain loyalty.

It helps small companies access bigger markets and large companies engage newcomers.

So my definition of ‘true and pure’ BD is ‘helping a business to develop its relationships’.

Plain and simple.

It’s networking on a daily basis; attending cutting-edge events to learn about the industry you’re working in; finding (er. stalking?) people on LinkedIn to see what events they’re attending and making sure you meet them there, in person, so that you can have that all important introductory chat; it’s offering your loyal customers something more than a newsletter – why not run a seminar and invite them along to it? They might be happy to be invited.

The personal touch is always a winner.

We hear more and more now about relationships marketing, social currency, engagement, etc.

BD is the platform that most of this is built on.

As I’ve mentioned before, I’ve worked in roles that have been classed as BD but have really been sales. I’ve worked in hybrid roles where you might do a bit of both. And I’ve worked in the ‘true and pure’ BD roles to.

What this has shown me is that BD has a place in every business. You can’t ‘develop’ your business without a good BD strategy.

So whether you’re encouraging your front-line staff to sign up to a few newsletters, or get yourself down to a few networking events, or join a LinkedIn group and start up a discussion, BD is something that can’t be overlooked.

It’s all very well to have a great product and a nicely designed website, with some great leaflets and a slick business card but, without the right approach to BD, no one is going to see it in the way you want to.

Having worked as a supplier to a lot of startups and growing SMEs, the one thing that I’ve noticed which has set apart the successes from the failures is their approach to BD.

Develop the relationships – build a community around your business and your product just needs to do what it says on the tin. The rest will fall into place and you’ll have a strong, loyal customer base who are happy to sing your praises.

For that reason alone, if nothing else, BD is essential for pretty much any business going.

That’s my opinion anyway, although I may be a bit bias, of course.

How much does it Cost to Start a Professional Photography Business? #small

#photography business


How much does it Cost to Start a Professional Photography Business?

Photography has become one of the in trends right now. Every special event in a person s life needs a photographer to capture and make the moments truly unforgettable.

So, do you want to go pro? Here are the estimated costs when you are starting your photography business:

Get a pro photography gear.

Of course, the most important thing to consider in your financial plan would be the cost of the camera and the accompanying accessories.

As a professional, you need to have at least two professional cameras. Camera glitch can sometimes happen and you don t want to add to the stress of your client when your camera malfunctions on that very event.

Your budget and gear will depend on what field of photography business you would want.

Buy the camera body but not the kit. You can replace the kit with cheaper versions .

If you are a wedding photographer, consider buying 2 Nikon D750 cameras for $2,000.00 each (total cost =$4,000.00)

If you are a portrait photographer, consider buying 2 Nikon D7100 cameras for $1,200.00 each (total cost= $2,400.00)

These recommended lenses will work fine on both cameras and less expensive version than the kit that comes with the cameras above:

Nikon 35mm f/2.0= $350.00

Nikon 50mm f/1.8 lens= $299.00

Nikon 85mm f/1.8 lens= $499.00

For wedding photographers, you may consider the Nikon Lens 70-200 f2/8: this will do the magic when the wedding is at night or in a dark enclosed church where there is a limited source of light or you cannot go that close to the couple. The cost is about $2,400.00.

Wedding photographers must have at least 2 flashes Nikon SB-700 (at $329 each) total= $658.00

Other essential accessories: memory cards, reflectors, light stands, flash triggers, camera bags ($500.00 to $ 1500)

Computer and software:

21 iMac Computer= $1299

2 external memory drives=$ 85 each total: $170.00

Lightroom and photo shop=$119 per year

This aspect is the one mostly neglected by newbies in photography business, making their business legal

Yearly accounting service: $300.00

Incorporating the business: $125.00

Photography contracts and attorney fee= $400-$2000

Because of the evolution of technology nowadays, people think that having a photography business is easy as taking a plunge.

Sure you may have an informal business at first but if you want to get paid like a pro, you must take your photography business to a professional level.

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Does OnDeck Offer Unsecured Business Loans? #business #partners

#unsecured business loans



Does OnDeck Offer Unsecured Business Loans?

OnDeck loans are secured by a general lien on business assets but are not dependent upon the value of specific assets, unlike traditional bank loans

Interested in financing for your business? Get a true loan decision in minutes with OnDeck.

Many small business owners are interested in a loan or line of credit for their business, but don’t have enough specific collateral that a bank may require, such as real estate, inventory or other hard assets.

Banks generally underwrite loans based on the value of specific assets and take liens on those specific assets. In this way, the bank can significantly reduce its lending risk. This process can be difficult for business owners whose assets are not valued highly by a bank or whose assets are difficult to value or sell.

Why are OnDeck loans different?

OnDeck makes loan approvals to small businesses based on business fundamentals like cash flow, not based on the value of business assets. OnDeck has a proprietary way of determining who it lends to – the OnDeck Score® – which focuses on the overall health of your business. The existence of specific hard assets doesn’t factor in our analysis of business health. When a small business takes a term loan from OnDeck, a general lien is placed on the business’s assets until the loan has been paid off (OnDeck lines of credit are unsecured). The business owner is also required to give a personal guarantee for the loan, but there is no lien on the owner’s personal assets. In this way, business owners can get funding from $5,000 – $250,000 in as fast as one business day without needing a specific amount of real estate, inventory or other hard assets and without needing to have their specific assets appraised and valued.

So if you’re a business owner that has a strong business but you’re not sure about the value of your specific assets or collateral, consider applying with OnDeck and you could get a decision for your business in minutes.

Compare Loan Requirements

What Federal Licenses and Permits Does Your Business Need? #free #business #advertising

#business license


If your business is involved in activities supervised and regulated by a federal agency – such as selling alcohol, firearms, commercial fishing, etc. – then you may need to obtain a federal license or permit. Here is a brief list of business activities that require these forms and information on how to apply.

If you import or transport animals, animal products, biologics, biotechnology or plants across state lines, you’ll need to apply for a permit from the U.S. Department of Agriculture (USDA).

If you manufacture, wholesale, import, or sell alcoholic beverages at a retail location, you will need to register your business and obtain certain federal permits (for tax purposes) with the U.S. Treasury’s Alcohol and Tobacco Tax and Trade Bureau (TTB). The website has a number of online tools that make this process straightforward. If you are just starting a business in this trade, start by reading the TTB’s New Visitors Guide which offers helpful information for small business owners.

Remember, you will also need to contact your local Alcohol Beverage Control Board for local alcohol business permit and licensing information.

Does your business involve the operation of aircraft; the transportation of goods or people via air; or aircraft maintenance? If so, you’ll need to apply for one or more of the following licenses and certificates from the Federal Aviation Administration:

Firearms, Ammunition and Explosives

Businesses who manufacture, deal and import firearms, ammunitions and explosives must comply with the Gun Control Act’s licensing requirements. The Act is administered by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF). Refer to the following resources from the ATF to make sure your business is properly licensed:

If your business is engaged in any wildlife related activity, including the import/export of wildlife and derivative products, must obtain an appropriate permit from the U.S. Fish and Wildlife Service.

Commercial fishing businesses are required to obtain a license for fishing activities from the NOAA Fisheries Service. This guide includes quick links to permit applications and information.

If you provide ocean transportation or facilitate the shipment of cargo by sea, you’ll need to apply here for a license from the Federal Maritime Commission.

Mining and Drilling

Businesses involved in the drilling for natural gas, oil or other mineral resources on federal lands may be required to obtain a drilling permit from the Bureau of Ocean Energy Management, Regulation and Enforcement (formerly the Minerals Management Service).

Producers of commercial nuclear energy and fuel cycle facilities as well as businesses involved in the distribution and disposal of nuclear materials must apply for a license from the U.S. Nuclear Regulatory Commission

Radio and Television Broadcasting

If your business broadcasts information by radio, television, wire, satellite and cable, you may be required to obtain a license from The Federal Communications Commission (FCC).

Transportation and Logistics

If you operate an oversize or overweight vehicle, you’ll need to abide by the U.S. Department of Transportation offers guidelines on maximum weight. Permits for oversize / overweight vehicles are issued by your state government. Get contact information here .

How Long Does It Take to Become an Ultrasound Tech? #how #long


How Long Does It Take to Become an Ultrasound Tech?

The length of your education depends on your career goals. To get started in a career as an ultrasound tech, you need a minimum of two years at an accredited allied health educational institution. There are schools available both online and offline that are able to provide you with this associate’s degree in sonography. Afterward, you’ll need to complete at least one year of full-time clinical experience, which means that you’ll be working, but under closer supervision of your superiors to ensure that you’re getting all the hands-on training you need for the job. You can then register with the American Registry for Diagnostic Medical Sonography.

Your Education Level Affects Your Employability

The job market, however, is getting more and more competitive. Therefore, many students are opting for a longer four-year program in sonography to get their bachelor’s degree in a field such as medical technology or medical imaging. In either case, there are no state or national licensing requirements for ultrasound techs, but many employers prefer to see registration, which requires you to take an exam after completing your training.

Advancement and Specialization

As you’re working in your field as an ultrasound tech, you can decide to advance even beyond a four-year bachelor’s degree education. There are currently no master’s degrees in sonography, but you may want to go on to get your Master of Health Administration, which will qualify you for more advanced management positions. In addition, there are a number of certificate programs available for ultrasound techs who want to specialize. For example, you could get advanced training to become a registered diagnostic cardiac sonographer, or cardiovascular technician. which would increase your marketability when job-hunting. Specializing means that you’re qualified for positions that pay higher salaries and are more prestigious, so this is a good route after you’ve worked in the field for a few years.

Although most ultrasound techs choose an educational route that lasts two years or four years, the great thing about online education is that you can work at your own pace. So, if you already have a two-year associate’s degree in sonography, for example, you can work on your bachelor’s degree in medical technology or health informatics over the course of three or four additional years as a part-time student, rather than trying to cram your education into two more years. This makes it possible for you to continue to work and even raise a family while going to school.

Is a Two or Four Year Degree Really Worth It?

In general, the education is worth the payoff. When your education is complete, you’ll most likely have student loans, but with a $50,000+ paycheck, it is easy to repay those loans on time or even ahead of schedule. Of course, even if your first job doesn’t come attached to such a high paycheck, this is a great career path simply because there are many jobs available across the country, and the medical field is continually expanding. Some employers will even pay for your schooling if you commit to working there for a certain number of time, so that they benefit from the new knowledge you gain.

How to Maximize Your Profit and Experience While Becoming an Ultrasound Tech

Getting the credentials to be an ultrasound tech doesn’t have to take long, but different educational paths yield different results, and there are ways to plan your program that will yield the best results at the lowest cost and time usage. A few ways you can diminish the financial burden and time cost of school, while still getting a great education are:

  • Take some of your courses online so that you can work while taking classes. This will diminish the debt you need to take on, and you’ll pay less interest in long term loans, for an overall lower cost.
  • Look for paid internships so you aren’t losing money while you get practical experience. If you’re going to spend a year working and learning the trade, you might as well earn some money for it. Areas with high demand for ultrasound technicians are more likely to offer paid internships to students.
  • Complete a full degree, such as an associate’s or bachelor’s, rather than doing the faster, but less comprehensive, one year certificate programs. A degree looks better to employers and will offer you more flexibility for both employment and further education down the road. It is worth taking the time initially, rather than having to make it up later, to get an associate’s or bachelor’s degree.

Scholarships, Tax Credits, and GI Benefits that Can Help You Get a Degree

Anyone looking into higher education, for sonography or any other field, should explore the financial aid options available to them. The U.S. government offers numerous scholarships, grants, and tax credits, as well as benefits for members of the armed forces, to help people get a degree and enter the skilled workforce. Some options you can look into include:

  • Hope and Lifetime Learning Tax Credits . These tax breaks can save you two grand or more on income tax while you’re in school. That should cover your textbooks and then some.
  • Perkins and Stafford Loans . These loans are available to most students, though students with the most financial need will get the largest sums. You have to pay the money back, but the interest rate and repayment plans are much better than anything you’ll find at a bank or from a credit card company.
  • Federal Pell Grants . This is money you won’t have to pay back, but you have to prove you need it. Students of online colleges and universities get millions of dollars in Pell grants each year, and students with serious need can get up to $5,550 per school year to offset their tuition and materials costs.

Careers, Earnings, and Other Ultrasound Technician Info

It helps to have a light at the end of your tunnel when you’re in school and it feels like it will be forever before you can get a job and start paying off those student loans. Here are some encouraging facts about the employment and salary scene for well-trained ultrasound technicians.

  • Employment numbers are high for diagnostic medical sonographers, and will keep going up for the next several years, according to The Bureau of Labor Statistics. An estimated 9,200 more jobs in the field should be created by 2018.
  • Salaries for ultrasound technicians are well above the national median, at $61,800 as of May 2008. Experienced techs in high demand areas can earn even more, though. The top 10% of ultrasound techs earn more than $83,000.
  • Advancement opportunities for ultrasound techs to move into supervisory, managerial, and administrative roles are strong. A dedicated tech can attain some higher level of responsibility and pay after a year or two of high quality work in the trenches.

If you re looking at how long it takes to become a working, professional ultrasound technician, you have to include job search time in the equation.The graph below indicates how long most people search for a job before either finding one or dropping out of the workforce entirely. The trend depicted is general, and not specific to the relatively high growth field of sonography.

In the end, the benefits of getting a few years of education in sonography far outweigh the losses, and anyone who is serious about advancing in the career should not shortchange themselves by taking too little schooling or avoiding somewhat costly certification or registration fees. If you are ready to get started on your diagnostic medical sonography education now, use the widget below to find a school that can meet your needs.

Top Online Health Services Programs

Adventist University of Health Sciences Founded in 1992, the Adventist University of Health Sciences is formerly the Florida Hospital College of Health Sciences, a school focused on privding higher education in the several fields of healthcare. The BS in Health Information Technology program prepares students to become radiologic technicians. Adventist University is accredited by the Southern Association of Colleges and Schools Commission on Colleges.

Debt Consolidation, does debt consolidation affect credit.#Does #debt #consolidation #affect #credit


Debt Consolidation

Does debt consolidation affect credit

Does debt consolidation affect credit

What is ‘Debt Consolidation’

Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones. In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both. Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.

Methods of Debt Consolidation

There are several ways consumers can lump debts into a single payment. One is to consolidate all their credit card payments onto one new credit card – which can be a good idea if the card charges little or no interest for a period of time – or utilize an existing credit card’s balance transfer feature (especially if it’s offering a special promotion on the transaction). Home equity loans or home equity lines of credit are another form of consolidation sought by some people, as the interest on this type of loan is deductible for borrowers taxpayers who itemize their deductions. There are also several consolidation options available from the federal government for those with student loans.


BREAKING DOWN ‘Debt Consolidation’

Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation. However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts. Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor. These loans are usually offered by financial institutions, such as banks and credit unions; there are also specialized debt-consolidation service companies.

There are two broad types of debt consolidation loans: secured and unsecured. Secured loans are backed by an asset of the borrower’s, such as a house or a car, that works as collateral for the loan. More traditional, unsecured debt consolidation loans, which are not backed by assets, can be more difficult to obtain. They also tend to have higher interest rates and lower qualifying amounts. Even so, the interest rates are still typically less than the rates on credit cards. Also, the interest rate is fixed.

“Typically, the loan has to be paid off in three to five years,” says Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit repair and credit-counseling service in Bethesda, Md., and author of “How to Get Out of Debt.”

These types of loans don’t erase the debt; they simply transfer all your debts to a different lender or type of loan. (In circumstances where you need actual debt relief or don’t qualify for loans, it may be best to look into a debt settlement rather than, or in conjunction with, a debt consolidation. Debt settlement aims to reduce your obligations rather than just reducing the number of creditors. Individuals usually work with a debt-relief organization or credit-counseling service. These organizations do not make actual loans; instead, they try to renegotiate the borrower’s current debts with creditors.)

Advantages of Debt Consolidation Loans

Freeman says that debt consolidation loans are most helpful for those who have multiple debts, owe $10,000 or more, are receiving frequent calls or letters from collection agencies, have accounts with high interest rates or monthly payments, are having difficulty making payments or are unable to negotiate lower interest rates on loans. Once in place, a debt consolidation plan will stop the collection agencies from calling (assuming the loans they’re calling about have been paid off).

There may be a tax break, too. The Internal Revenue Service (IRS) does not allow you to deduct interest on any unsecured debt consolidation loans. If your consolidation loan is secured with an asset, however, you may qualify for a tax deduction. Debt consolidation loan interest payments are most often tax deductible when home equity is involved.

A consolidation loan may also be kind to your credit score down the road. “If the principal is paid down faster [than it would have been without the loan], the balance is paid off sooner, which helps to boost your credit score,” says Freeman.

How Debt Consolidation Works

For example, say an individual with three credit cards and a total of $20,000 owing at a 22.99% annual rate compounded monthly needs to pay $1047.37 a month for 24 months to bring the balances to zero. This works out to $5136.88 being paid in interest alone. If the same individual were to consolidate those credit cards into a lower-interest loan at an 11% annual rate compounded monthly, he or she would need to pay $932.16 a month for 24 months to bring the balance to zero. This works out to $2,371.84 being paid in interest. The monthly savings is $115.21, and over the life of the loan the amount of savings is $2,765.04.

Even if the monthly payment stays the same, you can still come out ahead by streamlining your loans. Say that you currently have three credit cards that charge a 28% APR; they are maxed out at $5,000 each and you’re spending $250 a month on each card’s minimum payment. If you were to pay off each credit card separately, you would be spending $750 per month for 28 months and you would end up paying a total of around $5,441.73 in interest. However, if you transfer the balances of those three cards into one consolidated loan at a more reasonable 12% interest rate and you continue to repay the loan with the same $750 a month, you’ll pay roughly one-third of the interest ($1,820.22), and you will be able to retire your loan five months earlier. This amounts to a total savings of $7,371.52 ($3,750 for payments and $3,621.52 in interest).

Top Ten Things to Know if You re Interested in a Reverse

Frequently Asked Questions about HUD s Reverse Mortgages

The Home Equity Conversion Mortgage (HECM) is FHA s reverse mortgage program, which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301. It is smart to know more about reverse mortgages, and decide if one is right for you!

1. What is a reverse mortgage?

A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

2. Can I qualify for FHA s HECM reverse mortgage?

To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, have the financial resources to pay ongoing property charges including taxes and insurance, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.

3. Can I apply for a HECM even if I did not buy my present house with FHA mortgage insurance?

Yes. You may apply for a HECM regardless of whether or not you purchased your home with an FHA-insured mortgage.

4. What types of homes are eligible?

To be eligible for the FHA HECM, your home must be a single family home or a 2-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.

5.What are the differences between a reverse mortgage and a home equity loan?

With a second mortgage, or a home equity line of credit, borrowers must make monthly payments on the principal and interest. A reverse mortgage is different, because it pays you there are no monthly principal and interest payments. With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.

6. Will we have an estate that we can leave to heirs?

When the home is sold or no longer used as a primary residence, the cash, interest, and other HECM finance charges must be repaid. All proceeds beyond the amount owed belong to your spouse or estate. This means any remaining equity can be transferred to heirs. No debt is passed along to the estate or heirs.

7. How much money can I get from my home?

The amount varies by borrower and depends on:

  • Age of the youngest borrower or eligible non-borrowing spouse
  • Current interest rate; and
  • Lesser of appraised value or the HECM FHA mortgage limit of $625,500 or the sales price

If there is more than one borrower and no eligible non-borrowing spouse, the age of the youngest borrower is used to determine the amount you can borrow.

8. Should I use an estate planning service to find a reverse mortgage lender?

FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA-approved lender. You can locate a FHA-approved lender by searching online at www.hud.gov or by contacting a HECM counselor for a listing. Services rendered by HECM counselors are free or at a low cost. To locate a HECM counselor Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you

9. How do I receive my payments?

For adjustable interest rate mortgages, you can select one of the following payment plans:

  • Tenure – equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
  • Term – equal monthly payments for a fixed period of months selected.
  • Line of Credit – unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted.
  • Modified Tenure – combination of line of credit and scheduled monthly payments for as long as you remain in the home.
  • Modified Term – combination of line of credit plus monthly payments for a fixed period of months selected by the borrower.

For fixed interest rate mortgages, you will receive the Single Disbursement Lump Sum payment plan.

  • Single Disbursement Lump Sum – a single lump sum disbursement at mortgage closing.

10. What if I change my mind and no longer want the loan after I go to closing? How do I do this?

By law, you have three calendar days to change your mind and cancel the loan. This is called a three day right of rescission. The process of canceling the loan should be explained at loan closing. Be sure to ask the lender for instructions on this process. Mortgage lenders differ in the process of canceling a loan. You should ask for the names of the appropriate people, phone numbers, fax numbers, addresses, or written instructions on whatever process the company has in place. In most cases, the right of rescission will not be applicable to HECM for purchase transactions.

Protect your computer or remove virus, spyware or other malware in Microsoft


Knowledge Base

This article describes what viruses, spyware and malware are, how to remove a suspected malware infection and ways to protect your system against attack.

Malware has become the name for any type of malicious software such as spyware. adware. or viruses that harms your computer s performance or security. Most malware infections stem from internet activity which include downloading files or even just browsing internet sites. Most measures for protecting against malware focus on ways to make Internet browsing more secure. Various symptoms can be associated with malware, so any one (or a combination) of the following symptoms could be good indicators of malware infection.

  • Browser Redirects, Popups, Homepage Changes: The browser may suddenly redirect to an unknown website, or a previously set homepage may change without warning or input.
  • Slow Computer Response: The computer may seem to lock up or run slow during regular use. It is also not uncommon to experience delays in the operating system loading to the desktop.
  • Processor Utilization at 100% in Task Manager: The processor seems to be working overtime and/or slowly. To check the processor utilization or the Kernel Memory status, press the CTRL + ALT + DEL keys at the same time. Then click the Performance tab. Processor utilization is indicated by the CPU Usage gauge.
  • Virtual Memory Low Message: This message will keep appearing no matter what changes are made to resolve the issue.

For more information about the systems and indicators of an infected system, refer to the article below:

For detailed information on malware, refer to the Wikipedia entry on malware:

Determine if you have security software already installed on your computer. If so, refer to your vendor for information on removal of malware.

One simple way to determine if you have security software is to check the System Tray in the bottom right corner of your screen for a security icon. McAfee icons typically are red in color with a large letter M in the center of the icon.

NOTE: If you do not have or do not wish to purchase any internet security software, Microsoft has created free security software built specifically for your operating system. Visit Microsoft Security Essentials to preview, download and get support.

Dell computers can ship with McAfee Security Center or McAfee LiveSafe, either as a 30-day trial version or subscriptions of up to 36 months. Registration of the product is part of the Windows first-time startup process for your PC. Simply accept the End-User License Agreement (EULA) and supply your email address for registration. No further action is required.

The Microsoft Malicious Software Removal Tool accurately detects and removes about 80% of known viruses and spyware from your system.

  1. Navigate to the Microsoft Windows Malicious Software Removal Tool download page.
  2. Click Download to start the download process.
  3. Click Run to download and run the program.
  4. Follow the on-screen instructions to initiate the scan and remove any malicious software if found.

Learn more about updating your built-in Windows security features!

You can find many home security products available for download at the Dell Store Anti-Virus and Security Center.

If you do not have or do not wish to purchase any internet security software, Microsoft has created free security software built specifically for your operating system. Visit Microsoft Security Essentials to preview, download and get support.

There are best practices and guidelines that can minimize your exposure to infection. You can refer to the article below for more information on these.

If this article hasn t answered your question, then refer to the article below for a list of further articles on this particular subject:

Article ID: SLN128053

Last Date Modified: 09/01/2016 08:40 AM

Seattle Alarm and Monitoring Service and Advice – The Alarm Professor #how


Independent Home Security Advice and Service

Shop Our Alarm Store

Alarm system monitoring is BIG business. Many companies, and almost all the national alarm companies, will not sell, install or service an alarm system unless it is accompanied by a long term monitoring contract. When you see that companies are charging $35 – $70 per month to provide a service that is costing them $5 or less per month to provide, you begin to understand.

Brinks, Protection One and ADT are owned by hedge funds. Their primary focus is to increase the number of accounts that they monitor and thus their recurring revenue.

How much money does ADT, and subsequently each of their customers, spend to be prominently displayed at every televised sporting event?

How much does Protection One spend to sponsor NASCAR racing? How do these activities serve to increase your protection? Why do these companies spend millions of dollars (your monitoring dollars) to promote themselves?

How much does an alarm system cost? (Or more correctly, what is the monetary value of an alarm system)

It depends on who you talk to and how much protection that you want. The only way to know for sure is to ask for the price of an installed system (where you own the equipment) that does not include monitoring. The price is definitely reduced when you commit to a 3 or 5 year monitoring agreement. The price is reduced because a portion of that monitoring fee is subsidizing the initial cost of the system. But does the monitoring price get reduced after the initial 3 or 5 years when you have fully paid for the alarm system?

As more and more police departments charge the customer for police response, is monitoring really desired? If you do have monitoring, it is best to have it an open contract that can be canceled when you no longer need or require the service. More and more alarm users are returning to smaller local companies to meet their alarm security needs. Lower prices, due to reduced overhead, and direct contact with company owners leads to an enhanced feeling of security, quicker and more competent alarm technicians, and greatly reduced prices.

I have included a number of articles and links on this website that will help you to better understand the alarm industry. For a comprehensive look at alarm systems and alarm companies “click” on Alarm Overview.

This website was designed to help educate you about alarm systems. Any feedback or additional information I have left out would be greatly appreciated.

I live in Seattle, WA, on Queen Anne Hill, and I install, service and give system evaluations thoughout NW Washington. Please feel free to call, e-mail or click HERE for a no obligation site survey or system evaluation.

For the smallest wireless alarm sensors that virtually disappear in window and door frames, you’ll find them in the Alarm Shop . I both consulted in their development, am a national technical rep, and have installed hundreds of them myself.

What Does a Consultant Do, what does a financial consultant do.#What #does


What Does a Consultant Do?

Consultants are paid to share their expertise and knowledge to help businesses attain goals and solve problems. Learn about the training, job duties and requirements to see if this is the right career for you. View article

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    • 0:01 Essential Information
    • 0:57 Job Duties
    • 2:14 Job Outlook and Salary

    Video Transcript

    Essential Information

    5% growth for human resources specialists

    $71,887 for information technology (IT) consultants

    $86,181 for management consultants

    Source: *U.S. Bureau of Labor Statistics, **PayScale.com

    Consultants are paid to share their expertise and knowledge to help businesses attain goals and solve problems. Businesses often hire consultants to supplement their staff and save the costs of hiring a full-time employee. As a person new to the company or organization, consultants view the situation from a fresh perspective. Because a consultant isn’t beholden to any particular corporate culture, co-worker scrutiny or morale, consultants can act as the catalyst for change. While there are no degree requirements for a consultant, they do need to have vast knowledge and experience in a particular field. In addition to expertise, a consultant should have a track record of past accomplishments. Individuals with higher levels of education and experience will generally receive greater compensation for their services. Consulting is a broad area of interest, and, from businesses to personal services, there’s a consulting opportunity for practically every industry.

    Find schools that offer these popular programs

    • Actuarial Sciences
    • Business and Commerce, General
    • Business Statistics
    • Customer Service Management
    • eCommerce
    • Logistics, Distribution, and Materials Management
    • Management Science
    • Office Management
    • Operations Management
    • Public and Nonprofit Organizational Management
    • Purchases, Acquisitions, and Contracts Management
    • Transportation Management

    Job Duties

    Job duties can vary depending on the industry in which a consultant is working and based on the specific field of expertise. Fixing or improving a particular component of client’s business is the broadest duty for which consultants are hired. Consultants may sometimes be asked to teach a business’ employees how to manipulate a new software program or some other skill that increases productivity or generates more revenue. They’re also expected to provide advice, make recommendations and excel at problem solving. Consultants are often used prior to, and during, the start-up of a new business or to re-energize a failing business. Consultants are also brought in when a business needs reorganization, including the termination of individual employees or entire departments. A client will retain a consultant’s services until the goal or obligations of the particular endeavor have been met. The time period for consultancy can vary in length, depending on the needs of the client and on any unforeseen problems or additions to the project for which the consultant was hired.

    Successful consultants derive their skill set from a combination of learned techniques acquired from higher education and, to a lesser degree, innate personality traits. These skills include the following:

    • Logical reasoning
    • Leadership
    • Communication
    • Ingenuity
    • Ability to work well with others