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Make Your Fortune With Free Government Publications

Jul 13 2020 Published by under Uncategorized

This is meant to be informative only. This is not to be taken as legal advice.

Very surprisingly, only a small percentage of the U.S.A. population takes advantage of the wealth of informative material provided by the world’s largest publisher – the U.S. Government Printing Office.

Here is a source of priceless, accurate and official information which is reported and written by experts. Almost every conceivable subject has been reported upon in detail in some government publication – topics such as energy, employment, health, business, investments, science and technology, education, careers, transportation, veterans and personal benefits, consumer advice, foreign trade, law, space, food and diet, astronomy, gardening, medical, maintenance, housing, money management, equipment, hobbies, travel – the list goes on and on.

These publications are available to you upon request. In fact, you indirectly helped pay for them. A part of your tax contribution is allocated to operate the government printing office.

Many of these publications feature business sand personal matters that may directly help you make or save money. This report, however, will outline the most simple and ideal method to reap a huge financial gain from these publications – selling this information by mail.

You undoubtedly have noted ads offering reports on government surplus, oil lotteries, land acquisitions, energy, etc. These ads appear in many national magazines monthly. year after year. Such reports contain information extracted from government publications. Often they are copied word for word. The “insiders” know how and where to get this valuable information free, or at low cost, then use this material to earn huge profits for themselves.

Few people realize that government publications are not copyrighted. Anyone has the authority to use this material for his own personal benefit. That includes copying it word-for-word if desired, reproducing it, and selling the information in the form of books, manuals or reports.

From this vast source of published material are many thousands of ideas you can adopt to prepare an informative publication which can be profitably sold by mail.

The first step, obviously, is to find out which publications are available, what subjects they cover and where they can be obtained. The second step is to select topics which would inform, appeal to and attract a large number of people who would be willing to buy your information by mail. The third step, is to compile this information into a book, manual or report, get it printed, then go about the business of marketing it profitably.

Step 1

Besides a huge volume of official documents, the government printing office issues about 25,000 other booklets and reports with topics that concern and interest the general pubic. The government also publishes guides which lists and describes new issues when they become available.

Write to the Consumer Information Center, Pueblo, CO 81009. Request to be placed on their mailing list to receive the “Consumer Information Catalog” which is issued periodically during each year. Also request to receive “Selected U.S. Government Publications” from: Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

Many public libraries stock these catalogs and some government publications. You can check for titles of current and back issues and order anything that interests you or copy any information you need. You may also find copies at other U.S. and State agency offices and perhaps at your local chamber of commerce office.

Publications may also be obtained from government offices such as the U.S. Department of Commerce, U.S. Department of Agriculture, etc. These agencies offer many publications pertinent to matters in their field. For example, the Department of Commerce can provide data and information assistance in various business matters, foreign trade, etc.

The ruling powers in Washington are cutting funds to many agencies. It is likely that in future not as many free publications will be available as were printed in the past. The low cost of any government publication, however, is still a tremendous bargain. Never hesitate to pay a small amount for valuable information that could be the source of financial benefits for you.

Step 2

Which topics to consider for your publication? What type of printed information will the public buy? Basically, to sell successfully by mail, your product must fill a strong need or desire. It must offer a specific appeal factor that will make the public want to obtain the product. Some of the strongest appeals are found in products which promise to help people:

Make Money Be Safe & Secure Have Fun & Enjoyment Save Money Eliminate Problems Find Out Where to Get Save Time & Effort Be Popular Something Beneficial Enjoy Comfort Do Things Better Something Useful Enjoy Health Gain Success

Thus, your publication should deal with the “How To” and “Where To” type of subjects. This is the main information the buying public seeks and will buy. The stronger information appeal your publication offers, the larger number of people will be attracted to you offer. This factor will translate into a greater sales volume and ultimately higher profits.

Emphasized again, the subject matter of your publication must interest and appeal to a large number of prospects. Among large group categories are: households, blue collar and white collar workers, opportunity seekers, investors, dieters, recipe fanciers, gardeners, teenagers, senior citizens, mail order aspirants, health and exercise enthusiasts, fix-it-uppers, hobbyists, sportsmen and many other specific classes of people seeking helpful information to fulfill their desires and needs.

Step 3

When you decide upon a suitable subject or subject or subjects, you next step is to compile the information into your own publication. You can copy word-for-word from the government literature, extract portions of the copy, express the ideas in your own words, or add some of your own ideas and thoughts to enhance the subject and provide the reader with additional information.

The size of your publication will depend upon how many words are necessary to fully cover the subject. Provide every essential and important detail so the reader will completely understand and benefit from the information. Don’t skimp, but don’t include anything that is superfluous or inappropriate to the subject. Give the customer at least what he expects – more if possible. A happy, satisfied customer is a confident prospect for your future offers.

For example, a publication entitled “Second Opportunities”, explaining a large number of money-making activities, might require a booklet form of many pages. A publication entitled “How to Grow Prize-Winning Roses” might be a report of just a few pages.

As stated previously, you can reproduce any government printing, even page for page, if that size would fit the style of your publication. to test your offer, you can get initial copies mimeographed, but the best-looking reproduction can be provided by an offset printer. He can reproduce printed copy. Type your own copy on a machine with carbon ribbon. It will provide clear, dark copy which the printer can reproduce with sharp results.

Adopt a title for your publication that will create attention. The title in a descriptive circular, or stated in a classified or space ad, can affect sales. The title should explain the subject matter in as few words as possible. Bring out as many of the appeals listed in Step 2. Yet, keep the title short without sacrificing any word or phrase that might keep a reader form becoming a customer. Look through magazines for titles of books and reports sold by mail. You will get ideas for preparing titles to attract the mail order buyer.

What price to charge for your publication? Only testing can determine the right price. The right price is the selling price that brings in the most profit Not total sales necessarily, but profit… the bottom line in any business activity. Set a price initially based on the suggestions in the following paragraph. Later tests may determine that you can make more profit by charging more and selling less. Or, tests may prove that by lowering the price and selling more units, you earn more total profits. Often the introduction of a new mail order product requires testing… and testing again… until the most effective sales copy and the right selling price is established to provide the most profit from each promotion.

To make big money selling information by mail, consider pricing your publication at least 10 times its cost. And, that’s just the norm for a multi-paged publication. A report of just a few pages must be sold for 15 to 20 times its cost to realize adequate profits from promotions. To start, get just a few copies printed. but, don’t base your selling price on this cost. Request the printer to quote you on 1,000 and higher quantities. This will be the volume you will be purchasing if your publication is successful and that cost should be the basis for initially pricing your publication.

To promote sales of your publication, use one or all of the usual mail order methods… classified ads, space ads and direct mail.

Classified ads are seldom productive if the advertiser solicits orders for items priced over $3.00 directly from the ad. Classified ads are mainly used to obtain inquiries for higher-priced items. So what can you do with a publication that must sell for $5.00 or $6.00? You should promote this publication through space ads or include the publication in a descriptive circular or catalog featuring this publication among other offers of your own or that of other publishers.

Space ads are what the terms implies; they feature more space than a classified ad. This greater space allows for bold headlines, more details about the offer and inducements for the reader to send in an order. If space permits, an order form is included in the ad.

Direct mail consists of sending your offer to a list of names. These names could be your customer list or names obtained from a list broker. Use only name lists that will be responsive to your offer. For example, an offer for a gardening publication should not be sent to a list of auto mechanics. Such a mailing would stand little chance for success. Also, it would hardly pay to send out a mailing for a $5.00 or $6.00 offer. Use direct mail to promote $10.00 or higher items, or send circulars or catalogs featuring several publications to receive orders for multiple items and higher dollar average per sale.

Selling information by mail profitably, requires application of the basic methods used by other successful mail order operators. This report, of course, cannot provide a complete course in mail order techniques. Obtain some books which explain how to operate a mail order business efficiently.

To summarize, check over the list of government publications that might provide suitable material for your own book or report. Then send for it. Determine if the contents can be the basis for a publication with strong appeal to a large group of prospects. Compile this information into an interesting book or report. Promote your offer slowly and carefully at the start. If promotional tests are favorable you can increase your advertising and promotion efforts, sell larger volumes of your publication and earn larger profits.

Follow these procedures faithfully and you could be on you way to earning a fortune – making your start with free government publications.

Copyright 2004 by DeAnna Spencer

Note to editors:

To show my appreciation to the editors that use my articles, I offer a free solo ad. Simply send an email to me by using the form on the contact me page on my website to tell me the url the article was used on or send me a copy of the ezine it was used in.

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How Your Business Gets A Paradigm Shift With Digital Marketing – Tips By SEO Analyst

Jul 13 2020 Published by under Uncategorized

If we retrospect the last decade or more, one trend emerges clearly. The consumer behaviour has switched from analogue to digital. People today consumer information and data through online modes and to keep up businesses need to target the niche. It is what gave birth to digital marketing. It is the sole valid way of reaching the target audience.

This posits the questions why and how online reputation management services, SEO, SEM, etc. are becoming fundamental. As stated by an analyst, there six insights that define the value of digital policies.

  • Economically Effective

When compared to traditional promotional practices, digital ones leave the pockets unscathed. While this benefit may not weigh heavy on conglomerates, for small businesses, it is saviour sent from heaven. For start-ups and local entrepreneurs moving to the green zone is a pipe dream and their resources are limited.

In such instances, using the internet to reach out to a massive potential customer base is can prove to be life-saving. The icing on the cake is that this increase in awareness doesn’t require a big budget. Furthermore, the digital marketing plan can be customised to employ only those paths that are firmly within the financial limit.

  • Greater Conversion

By the end of the article, it will be apparent that digital strategies have a cumulative effect because the company is not just saving money but also making it through other avenues. Case in point – digital media marketing has proven to have higher conversion rates.

When a firm utilises email marketing, SEO and other aspects of digital strategies, they communicate better with the customer and at a faster pace. Additionally, through digital paths, one can reach out, individually, to those patrons that need your service or product. All these factors result in a more significant conversion.

  • Business Growth

There was a time when small businesses had to pay through their teeth to reach out to the broader audience. As explained above, the era has now changed. SEM and SEO are cost-effective ways of targeting potentials. While this may save a small business precious financial resources, it also opens up a lot of opportunities. It gives the pathways of growth at a lesser expense.

A firm can even enter an already established sector through social media marketing and create brand awareness. It might not turn them into market leaders, but it will unmistakably reach an adequate base pool.

  • Better Support

An impeccable reputation management services is the golden rule of thumb if companies want to survive in the cut-throat competition of today’s industry. How does a firm work on establishing a spotless person? By making customer support a priority. Social media and websites are excellent techniques for generating personal rapport with patrons and offering better support. Through emails, social media platforms and even instant messaging apps, a company that resolves consumer grievances and queries is on the way to succeeding.

The support is not just one-sided, where the business solves problems faced by the customer. It can be vice versa too. Through live chats, the firm can ask the patron for suggestions and improvements on products which can lead to positive associations.

  • Building Confidence

When a customer can contact a business through a social media page and receive an answer almost instantly, it creates trust. The image that is built in the mind of the consumer is of confidence and reliability. Any potential patron who reads or views the exchange is more likely to convert.

Another method through which digital marketing builds assurance is customer reviews. Buyers can rate a service or product on numerous online platforms which can be read by others. This increases the presence of a brand and offers potentials the information they need to convert.

  • Mobile Connectivity

A rarely recognised advantage of digital policies is access to consumers that are on Smartphones. A study shows that websites that are mobile-friendly see an increase in customers because the patron of today wants to view products on their phone. Any business who fails to make a mobile-friendly application or site loses on a large pool of audience.

Humongous Rate Of Return On Investment

Small investment. Increased customer base. Extraordinary conversions. These are the three pillars that drive to a massive rate of return when it comes to digital marketing. Simple web analytics can prove to any entrepreneur that an optimised website is offering increased ROI. The result may not be directly through the website but via more email lead generation and sales calls.

A survey done in harmony with Google proves that digital marketing creates a revenue stream which almost three times more than conventional methods. Coupling all the factors verifies that entering the digital fray is equivalent to minting money from the very first step.

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Does Verbiage on My Credit Report "Account Information Disputed by Consumer" Affect My Credit Score?

Jul 13 2020 Published by under Uncategorized

There is a misnomer that exists when a consumer disputes an account on their credit report. The misconception is when the account shows in dispute status, that this does not affect the credit score. In fact, there are dozens and dozens of dispute narratives that are referred to as Persistent Narratives which means that they stay on even after the dispute is over. When these narratives are showing, this does not mean the system is bypassing the dispute so as not to affect the credit score but quite the contrary. When these are showing, the system actually includes these accounts in dispute as part of the overall equation. However, there is one exception.

Consumer Disputes – Reinvestigation in Process

The initial narrative that is placed on a consumers report when an account has been disputed is Consumer Disputes – Reinvestigation in Process. It’s only when this narrative is used that credit scoring systems bypass the account in dispute. However, it is important to note that the two narratives mentioned here are very easy to get confused but there is a big difference between them. Quite simply, one counts against you and the other does not. The initial narrative that is posted when a consumer files a dispute will only stay around until the dispute has been satisfied by the credit bureaus but while it is present, the account will not count against you. Once the bureau is satisfied that they have accomplished a satisfactory investigation, the narrative can be changed to Account Information Disputed by Consumer, at which point the account begins to count against your overall credit score. Another Persistent Narrative you may see is, Consumer Disputes-Says Belongs to Ex-Spouse.

Consumers may likely see a drop in the credit score once the initial narrative Consumer Disputes – Reinvestigation in Process, is removed. For an example, if a charge-off was being bypassed while it was in the initial dispute process however the initial dispute process is now over, the credit score will likely go down due to the fact that the charge-off is now fair game and being counted against you once again, even though you may still be in the process of challenging the account. There are occasions when the credit bureaus will allow a consumer to continue to dispute and account a number of times in succession, and allow for the initial narrative Consumer Disputes – Reinvestigation, to remain on the report. However in my experience from working with consumers on this issue, the bureaus will usually place a Persistent Narrative after the first or second attempt at disputing the account.

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Information About Rightful Compensation to Consumers in California Through Lemon Law

Jul 13 2020 Published by under Uncategorized

When you purchase a vehicle, how sure are you that it will conform to the warranty norms, and perform well? You trust the manufacturer to deliver.

At times, they do not live up to their promises, and we land up with a defective vehicle. Even with repeated repairs, the vehicle simply does not perform up to the mark. Lemon laws are made to protect the consumers, and California has in place a very strong lemon law, known as the Song-Beverly Consumer Warranty Act.

How to Classify a Vehicle as Lemon under California Lemon Law

If a vehicle, which is under warranty, goes for repair repeatedly, and if the dealer is unable to get it repaired properly, then it is considered to be a lemon vehicle. The number of times it is repaired can be more than once, and it depends on the gravity of the problem.

This law covers new as well as used vehicles in California. It is not so in many other states, where only new vehicles are covered.

You need to meet certain criteria to qualify for this.

  • The vehicle should be purchased from an authorized dealer in California
  • It can be used for personal and family needs
  • It can be used for business needs
  • It can be used by a corporation or a legal firm

California lemon law covers different types of vehicles, and the requirements vary in each case. You will need a legal expert or law attorney to deal with the case. When you seek help from an experienced lawyer to file your claim, he will handle all the case procedures, and negotiate with the manufacturer for the best settlement amount.

When you handle the claim yourself, it is likely that the manufacturer may simply try and delay the process, or even try to settle your claim for a smaller amount. Worse still, you may end up losing money and time. Under this law, lawyer’s fee is payable by the manufacturer, and so you need not worry about the extra expenses.

In most of the cases, settlement is made within a month or two with the help of an attorney. In rare cases, the negotiation fails, and the court settlement takes longer time. Buyback is applicable under lemon law, which means the manufacturer is made to refund your down payment, monthly installments, loan payment, and other procedural charges.

Law for all consumer goods

Other than vehicles, this law covers most of the consumer goods like, television, video camera, computer, monitor, refrigerator, which are used for personal and household purposes.

California lemon law is very strong, and is aimed at protecting the rights of the consumers.

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Going Beyond the Expected With SmartLabel

Jul 13 2020 Published by under Uncategorized

The SmartLabel™ solution gathered substantial momentum over the last year and key CPG brands have joined the consumer transparency initiative.

The GMA SmartLabel initiative came at the right time. Consumer transparency expectations are at an all-time high in both consumers and brands alike. Although SmartLabel™ is still in its initial stages as far as implementation goes, more than 30 major companies have already committed to using SmartLabel™ and by the end of last year, more than 34,000 products are recorded to have ingredient information in the consistent SmartLabel™ format.

When the SmartLabel™ initiative first kicked off, it was seen more as a compliance medium for the GMO labelling regulations that went into effect. A number of consumer brands approached it from the point of view of using SmartLabel™ simply to comply with the regulation, supply mandatory attributes, GMO disclosure and deploy them on their products.

While the USDA is still finalizing the details regarding the GMO information disclosure clause regarding the SmartLabel™, there is a greater opportunity that lies in the SmartLabel™ design that brands and manufacturers should leverage – providing deeper & richer product information to consumers.

As we see it, there are two ways of going about this:

The first comprises of simply offering the mandatory product attributes to consumers regarding nutrition, ingredients, allergens, and other information about the GMO disclosure and the company brand information that’s mostly available off a physical print label.

The second would include offering information on a deeper level that goes beyond what a print label can carry and offers more information to consumers. This is where brands can optimize their product information and further educate their customers. The SmartLabel™ can be an opportunity for brands to engage customers through richer information on ingredients, certifications, health claims etc, among other focus areas.

With SmartLabel, brands have an option to put in deeper, more descriptive ingredient information. For example, providing detailed information regarding what each ingredient is, where it comes from, what role it plays, offers a deeper level of transparency to consumers. Perhaps going a step forward with augmenting basic attributes with additional information, pictures, details, and certification description will provide an edge to brands and help them connect with today’s consumer demands for more information.

The increasing thirst for knowledge among today’s consumers requires brand owners to not just provide information on the mandatory aspects but be more transparent with products information. Going beyond the basic attributes and product information requirements is where the real value lies for brands to offer complete transparency to consumers.

Going beyond the expected with Smartlabel

Greater transparency can only be achieved by providing a holistic view of product information beyond the mandatory attributes and going a step further with offering more to consumers.

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The 4 Consumer Rights

Jul 13 2020 Published by under Uncategorized

The following four rights are the basis of much of the consumer-oriented legislation that has been passed during the last thirty years. These rights also provide an effective outline of the objectives and accomplishments of the consumer movement.

– The right to safety

The consumers’ right to safety means that products they purchase must be safe for their intended use, must include thorough and explicit directions for proper use, and must be tested by the manufacturer to ensure product quality and reliability. Business firms should also be aware that consumers and the government have been winning an increasing number of product-liability lawsuits against sellers of defective products. Moreover, the amount of the awards in these suits has been steadily increasing. Yet another major reason for improving product safety is the consumer’s demand for safe products. People will simply stop buying a product they believe is unsafe or unreliable.

– The right to be informed

The right to be informed means that consumers must have access to complete information about a product before they buy it. Detailed information about ingredients and nutrition must be provided on food containers, information about fabrics and laundering methods must be attached to clothing and lenders must disclose the true cost of borrowing the money they make available to costumers who purchase merchandise on credit. In addition, manufacturers must inform consumers about the potential dangers of using their products.

– The right to choose

The right to choose means that consumers have a choice of products, offered by different manufacturers and sellers, to satisfy a particular need. The government has done its part by encouraging competition through anti trust legislation. Competition and the resulting freedom of choice provide additional benefits for costumers by reducing prices

– The right to be heard

The forth right means that someone will listen and take appropriate action when costumers complain. In fact, corporate management teams begun listening to consumer complains after the end of World War II when competition begun again to increase. Today, businesses are listening even more attentively and many larger firms have consumer relations departments that can be easily contacted via toll-free phone numbers. Actually, one of the services every consumer today expects to receive from the companies he or she selects to purchase things from is consumer support.

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The Components of a Credit Report

Jul 13 2020 Published by under Uncategorized

Although each credit bureau uses slightly different terminology, the information contained in their reports is essentially the same and include these general categories:

  • Personal profile – information about the person, including his or her name, previous name(s), social security number(s), current and former address, current employer, and previous employers.

  • Current credit accounts – the report includes all credit and loan accounts, also known as “trade lines,” opened by the consumer. Information provided includes the type of loan, when it was opened, the current balance, payment history, and the current status, i.e., whether it is still active, paid in full, defaulted, or closed.

  • Credit inquires– when borrowers authorize lenders’ review of their credit report when processing a loan request, referred to in the industry as a “hard inquiry,” it is documented in the credit report and, if there are a high number of inquiries, it can affect the credit score. A “soft inquiry” is one that was not authorized by the consumer, and it does not affect the credit score. Soft inquiries are typically from credit card companies that are marketing pre-approved card offers.

  • Public records & collections – the results of collection efforts by creditors are reported, including collection accounts, bankruptcies, tax liens, foreclosures, wage garnishments, lawsuits, and judgments awarded.

  • Credit Score – the credit scores calculated by credit bureaus are included in the credit reports they offer for sale, but the bureaus are not required to provide that proprietary information in the free annual reports available to consumers under federal law.

There is also specific personal information that the credit report cannot contain, including:

  • Gender

  • Race, ethnicity, or national origin

  • Political affiliation

  • Religious beliefs or preference

  • Checking or savings account information (although specialty bureaus can report accounts that were closed in default with money owed)

  • Hard inquires older than two (2) years

  • Debt accounts subject to seven (7) year limit

  • Bankruptcy filings older than ten (10) years

  • Medical condition or a debt account incurred from a hospital bill

Legally restricted personal information can mistakenly appear in a credit report. A typical scenario is the indirect disclosure of a healthcare debt when the account is sold by the hospital to a collection agency. While the debt account may only be noted as a “medical collection” in the report, the hospital’s name (Dr. Smith’s Cancer Treatment, Williams Diabetes Center, etc.) can lead to an assumption about the consumer’s medical condition.

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Secure Document Shredding Helps Prevent Identity Theft

Jul 13 2020 Published by under Uncategorized

Identity theft is at an all-time high for consumers, but this insidious crime is not just a consumer problem. Companies of all types and sizes are vulnerable as well. After all, when you run a business, you’re no longer just looking out for yourself. You’re responsible for protecting the confidential data of your company, your employees, and your customers as well.

As a business you store all kinds of personal information. From Social Security numbers to credit card data to birthdates, the information you collect, store, and discard can wind up in the hands of identity thieves if you don’t take the proper precautions to shred it.

Secure document shredding is one of the most overlooked aspects of running a business. Simply tossing a sensitive document in the trash or recycling bin puts a customer at risk for identity theft-and your business at risk for costly fines and lawsuits. The public damage to your reputation from exposing customer information can be devastating as well, all of which can result in your business having to close its doors.

The Importance of Secure Document Shredding For Your Business

Although electronic identity theft is on the rise, stealing paper documents is the easiest way for an identity thief to steal the information needed to open new credit card accounts, get loans, write bad checks, and generally live the high life using your good name and credit.

Businesses who have consumer information on paper documents need to utilize a secure document shredding system that protects private data after it is no longer needed. Here are a few tips to help prevent identity theft in your business:

• Implement a document destruction policy within the company. Know which documents you need to save versus which you can throw away, and the specific steps you need to take to safely destroy information.

• Don’t recycle anything unless you shred it first. Leaving confidential documents in an open recycling bin is a sure-fire way to put your business at risk.

• Be proactive. It’s always the best way to safeguard your business from identity theft. Develop a culture of identity theft prevention and security as opposed to just being reactive when something goes wrong.

• Use a professional document shredding service. This is the best way to ensure there are no gaps in your plan to prevent document shredding fraud and identity theft.

Hiring a Document Destruction Company

Even smart businesses that hire a secure document shredding company often disregard investigating the team behind the service. These companies can hire non-bonded employees-even those with criminal backgrounds-who can gain instant access to thousands of documents containing personal information.

To protect and secure the identity of your business, employees, and customers, your organization should consider hiring a secure document shredding service that:

• Conducts background checks and inspections on each employee

• Employs a rigorous training procedure that ensures employees understand the reasons behind protecting your customer information

• Is certified as a document shredding specialist

• Has a secure document shredding chain-of-custody procedure

• Issues a Certificate of Destruction that confirms the secure shredding of your sensitive documents

In addition to hiring a reputable document shredding service, it’s important to take precautions with your own staff. Teach your employees to shred all documents before recycling them. They should also be regularly trained on privacy policies and secure document shredding procedures to reduce the risks of identity theft.

Protecting Your Identity at Home

Don’t forget that you also have your own personal information to protect at home. Buy and use a cross-cut shredder to shred anything that has private data, such as your name, phone number, address, bank account information, Social Security number, credit card offers, and any other documents that contain personal information.

In addition to the secure document shredding of personal data, one of the best ways for you and your business to prevent identity theft is to hire a service such as ID Theft Solutions-the only identity theft protection company that also recovers your identity. ID Theft Solutions is managed by law enforcement and focuses on returning your identity back to pre-theft status.

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Consumer Debt Relief Program Information: What Kinds of Debts Can Consumers Get Help For?

Jul 13 2020 Published by under Uncategorized

Debt relief companies have been around for many decades in one form or another. Since there are so many frauds out there, you should always be careful when obtaining assistance from the “experts.” Sure, you might find a legitimate consumer debt relief program that charges fees, but you need to take the time to research that company and evaluate your own options to determine if it offers the right services for you.

There are numerous ways to deal with debt, including some DIY methods, but many people find themselves to be so tied up in their debts that they just want a company to help them get everything organized. If you feel that you are really behind on many payments and don’t know what to do, then it makes sense to just seek help from a company that does know how to help you get back on your feet again.

If your debts mostly involve credit cards, then it should be easier to get some relief. Here are the types of debts that relief programs usually offer to consumers:

• All major credit cards (MC, Discover, Visa, AMEX, etc.)

• Department store cards (PayPal, GAP, Sears, Walmart, etc.)

• Gas cards

• Most bank loans from prior banks

• Unsecured personal loans

• Installment loans

• Bad rent (if you are no longer the resident)

• Business debts (if the business has already closed down)

• Old cell phone bills (not current)

Consumer Debt Relief Program Consultation

Not every single one of these is going to be offered by every single consumer debt relief program, and some companies might even be able to help you with more.

When getting a free consultation, the company should let you know which option(s) might be best for you. For instance, a consolidation loan is usually a good idea for those who will benefit from just paying one, single bill each month instead of dozens, even though the interest on the consolidation loan itself might not be low.

Credit counseling is almost always a good idea, since you’ll have a professional who can advise you on the best way to handle your particular credit problems. If the creditors find out that you have enrolled in a counseling, management, or repayment plan, they might be willing to give you a bit of a break. However, your credit score might take a hit.

Get answers to all of your problems by getting a consultation with CuraDebt: the #1 consumer debt relief program. Get a free consultation on how much can potentially save and what the best strategy would be for your financial situation.

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Monitored Or Non-Monitored Senior Medical Alert Systems? An Interested Consumer’s Information Guide

Jul 13 2020 Published by under Uncategorized

For seniors or perhaps the handicapped who dwell on their own, medical alert systems are valuable devices which can help them. These systems and devices function by enabling the consumer to summon support through pressing a button. We have all heard about cases of elderly people falling and hurting themselves, sometimes even breaking their hips.

Whatever the emergency circumstance may be, if they’re unable to get back up, or if they are immobilized in any way, they need to call for help. Having a platform similar to this installed in the home, they will be in a position to set-off an alarm simply. For this function, a person would probably come to see that personal emergency medical alarm systems to be very beneficial.

Medical alert systems consists of a pendant or maybe a panic button that is certainly attached to the body and a medical alert base console that triggers an alarm whenever brought on. The pendant or the push button may be pressed by the senior if she feels she is in danger.

There are 2 main kinds of emergency medical alert systems specifically: monitored and non-monitored. On the one hand, monitored elderly emergency medical alarm systems are the sort of senior medical alert systems in which the device contacts a live agent that will speak to the senior. The operator usually conducts a brief interview in a friendly manner about the customer’s circumstances.

The operator will then be the person to request for the emergency situation response for the sake of the user. They will call another person on the responder list of the elderly user or emergency health help. In contrast, non-monitored systems is set to automatically dial a series of phone numbers once an alert has been issued. There is no live dispatcher as an intermediary.

Non-Monitored Medical Alert Systems Have No Monthly Fees

Non-monitored system typically has an one-time only fee for the scheme equipment rather than month-to-month costs. So in relation to value, non-monitored elderly medical alarm systems will be the better choice. Be aware that there could be instances where all contact list members being contacted are unavailable to respond without delay. This could prolong the danger to the parent. Monitored elderly home medical alarm systems would offer a more competent reaction to a bad situation.

There is an additional advantage is that talking with a call center dispatcher. The end user may feel more confident since there is an additional individual who’s cognizant of his or her predicament and obtaining help on their behalf. On the flip side, quite a few seniors could be uncomfortable speaking with an individual they may not be acquainted with. They might prefer to be automatically connected with their kids or alternatively a relative.

If you’re looking for a good home medical alert system pertaining to your needs, take time to study different elderly emergency medical alarm system testimonials. In case the concept of monitored or non-monitored home medical alert systems for the elderly intrigues you, you can get more information. Review carefully the many benefits and features offered.

Consider carefully the various product or service benefits provided. If you’re not the end customer, be sure to speak to the product user and know very well what his or her choices might be. That may insure that the overall consumer experience will be ideal.

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