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SunGard Identifies Ten Trends in OTC Derivatives for 2012

Posted on December 15, 2011 by

SunGard Identifies Ten Trends in OTC Derivatives for 2012

Wayne, PA (PRWEB) December 07, 2011

Peter Banham, head of strategy for SunGard’s capital markets business, said, “Regulatory changes are transforming the OTC derivatives space, from execution to settlement. Market participants need to manage large volumes of data in order to clear and process trades. New pressures on the cost and the more effective use of capital make it more important to have automated and real-time capital controls. SunGard is helping firms capitalize on these changes for all OTC and listed instruments by providing a suite of established, front-to-back solutions that can manage both centrally cleared and bilateral trades.”

The ten trends and their impact on the OTC derivatives landscape as identified by SunGard are:

1.    Regulations such as Basel III, Dodd-Frank, EMIR and MiFID II are spurring financial services firms to improve their return on capital rather than simply focus on top line revenues.
2.    Shrinking profit margins may drive existing players to exit certain asset classes, such as structured equity, rates or credit markets.
3.    Competition will increase as greater transparency into OTC derivatives pricing and lower barriers to entry attract new players to the market.
4.    Firms will leverage unexampled electronic trading capabilities for OTC derivatives to help reduce running costs and improve returns, particularly in their flow trading and market-do businesses.
5.    The cost of participating in OTC derivatives trading will rise, with the introduction of central counterparties altering the risk profile and margin requirements of OTC derivatives portfolios.
6.    Clearing houses and market participants will require a consolidated view of collateral assets and margin movements to manage new pressures on margin and liquidity as well as new regulatory requirements for collateral.
7.    The need to optimize collateral and leverage every margin offset opportunity will become more pressing as the new capital charges take hold.
8.    Real-clock risk analytics will become a necessity, with offer best practice go towards the incorporation of Credit Value Adjustment on a pre-deal basis.
9.    Firms will need to aggregate data from across asset classes and business silos as regulatory agencies shift the burden of reporting position limits and large trades from exchanges or clearing houses to firms.
10.    Firms will demand agility and adaptability from their technology given the uncertainty about the exact details and timelines for the unexampled rules.

Kevin McPartland, principal and director of fixed income research at TABB Group, said, “Though clearing is getting faster, it is also about to get much more complicated. Regulatory mandates and good previous-fashioned competition will force more complex products into the clearing environment. Furthermore, portfolios that once contained only OTC derivatives products will now contain a mix of both cleared and non-cleared trades. This creates risk management issues as calculating margin becomes even more complicated. As a result, technology will become a significant part of each market participant’s competitive advantage.”

About SunGard’s Solutions for Capital Markets
SunGard’s solutions for capital markets help banks, broker/dealers and futures commission merchants increase the efficiency and transparency of securities and derivatives processing. They also provide accounting, securities financing, data management and tax reporting across multiple platforms, asset classes and markets. Supporting the entire trade lifecycle from execution to settlement, SunGard provides centralized transactional databases that deliver consolidated views of positions and risk. For more information, visit http://www.sungard.com/capitalmarkets.

About SunGard
SunGard is one of the world’s leading software and technology services companies. SunGard has more than 20,000 employees and serves over 25,000 customers in more than 70 countries. SunGard provides software and processing solutions for financial services, education and the public sector. SunGard also provides disaster recovery services, managed IT services, information availability consulting services and business continuity management software. With annual revenue of about $ 5 billion, SunGard is ranked 434 on the Fortune 500 and is the largest privately held business software and IT services companioning. Look for us wherever the mission is vital. For more information, visit http://www.sungard.com.

Trademark Information: SunGard and the SunGard logo are trademarks or registered trademarks of SunGard Data Systems Inc. or its subsidiaries in the U.S. and other countries. All other trade name are trademarks or registered trademarks of their respective holders.

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Year-End Planning Section At myStockOptions.com Helps Employees With Stock Compensation To Navigate Market Volatility & Economic Uncertainty

Posted on December 13, 2011 by

Year-End Planning Section At myStockOptions.com Helps Employees With Stock Compensation To Navigate Market Volatility & Economic Uncertainty

Brookline, MA (PRWEB) December 06, 2011

The end of the year is always a key time for financial and tax decisions, but 2011 has not been like other years. Recurring stock market volatility, combined with the uncertain economic outlook, leaves no room for error with year-end planning for stock options, restricted stock, employee stock purchase plans, and other types of stock compensation.

myStockOptions.com has expanded its section Financial Planning: Year-End at http://www.mystockoptions.com to provide a helpful variety of up-to-the-minute guidance on issues, decisions, and innovative strategies at year-end 2011. “Our goal is to provide content that explores practical answers to questions on year-end tax and financial planning, along with life and job events that affect stock compensation,” says Editor-in-Chief Bruce Brumberg.

Articles feature in-depth discussions by experts:

Ten Ideas For Year-End Tax Planning With Stock Compensation by the myStockOptions.com Editorial Team & Contributors Year-End Strategies For Restricted Stock: Ideas To Consider by Bruce Brumberg Year-End Strategies For Employee Stock Purchase Plans: Ideas To Consider by Matt Simon Stockbrokers’ Secrets (Part 3): Year-End Planning For NQSOs, Restricted Stock, And RSUs by W.E.B. Bantling and Michael Beriss How Tax Rate Changes Impact Stock Grant Strategies (Parts 1, 2, and 3) by Stanley Trotta and Bob Gordon Stockbrokers’ Secrets (Part 7): Year-End Planning For ISOs by W.E.B. Bantling and Michael Beriss

Along with these articles, FAQs in the year-end section answer many questions, including:

What are year-end strategies for stock options, stock appreciation rights, and restricted stock? How do employees harvest capital losses against capital gains from company stock holdings? Are there strategies for using capital-loss carry-forwards from prior years? What risks are posed by the wash sale rule? What year-end strategies can help to minimize alternative minimum tax with incentive stock options? How do tax-law changes of recent years, including refundable AMT credits, affect year-end planning? How can employees save taxes on company stock by making gifts and donations, including those to private foundations or grantor-retained annuity trusts?

All of these questions, and many others, are answered in the section Financial Planning: Year-End Planning.

Tax Return Season Is Just Around The Corner

It is never too early to start thinking about tax returns. For the tax season ahead in 2012, a number of change in IRS forming will affect tax uprisen reporting for employees who sold company stock in 2011. When they issue IRS Form 1099-B to report clients’ carry sales, brokers must now include not only the gross proceeds from sales but also their cost basis (also called the “tax basis”), the date when the shares were acquired, and whether the gains (or losses) were short-term or long-term. To submit of all of this potentially confusing information to the IRS on tax returns, taxpayers must now complete the new Form 8949 along with the revised Schedule D. The introduction of Form 8949 significantly alters the stock sale reporting that taxpayers have become accustomed to in recent years.

A new article at myStockOptions.com covers everything that employees must know to be prepared for these changes and avoid expensive tax mistakes: The Revised Form 1099-B & New Form 8949 For Reporting Stock Sales On Your Tax Return: How To Avoid Paying Too Much Tax, by Bruce Brumberg. Along with a companion FAQ, this article can be found in the Tax Center at myStockOptions.com.

Corporate Licensing Available

All the content on myStockOptions.com is ideally suited for licensing by companies and stock plan providers for their stock plan participants. A customized version of the website’s award-winning content can be seamlessly woven into companies’ HR, benefits, and/or compensation portals. Accessible through any internet browser, 24 hours a day, 7 days a week, licensed content from myStockOptions.com lets stock plan participants answer their own oppugn about their stock granting whenever they need to learn more—saving time for the stock plan staff and costs for the company. For more information, visit http://www.mystockoptions.com or name 617-734-1979.

About myStockOptions.com

With exclusive articles, 750+ FAQs, podcasts, the Tax Center, the Learning Center with courses for CE credit, the Global Tax Guide, an extensive glossary, and interactive patented tools, myStockOptions.com is the premier online resource of educational content and tools on stock options, restricted stock, restricted stock units, performance shares, stock appreciation rights, and employee stock purchase plans. myStockOptions.com is written and managed by leading experts in equity compensation, and is produced by a company with a long history of successful publications explaining complex legal and financial subjects in plain English.

The accounting journal CPA Wealth Provider selected myStockOptions.com among companies “that have taken the lead through innovation, efficiency, initiative, or growth in the financial-planning area.” The Specialized Information Publishers’ Foundation honored MSO Pro with one of its Editorial Excellence Awards in the category of Best Interactive Content among niche publishers. The influential consumer magazine PC World ranks myStockOptions.com among “the most useful sites ever” that “deliver top-notch information, support, and services.” The company also publishes a related website, on nonqualified deferred compensation, at http://www.myNQDC.com and produced the successful insider trading prevention video series Think Twice, available at http://www.insidertradingvideos.com for purchase or preview.

myStockOptions.com has also received extensive favorable coverage in major publications, including BusinessWeek, The Wall Street Journal, The New York Times, the San Francisco Chronicle, and The Boston Globe, and on CNN/fn, National Public Radio, PBS, Money.com, and CBSMarketWatch.com.

For more information, please contact Bruce Brumberg and Matt Simon at 617-734-1979.

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Posted in Credit Report | Tagged Compensation, Economic, Employees, Helps, Market, myStockOptions.com, Navigate, Planning, Section, Stock, Uncertainty, Volatility, YearEnd | Leave a comment

RE/MAX Agents Report that Buyers Face New Challenges ? and Opportunities ? When Applying for Mortgages

Posted on December 11, 2011 by

RE/MAX Agents Report that Buyers Face New Challenges – and Opportunities – When Applying for Mortgages

(PRWEB) December 05, 2011

In a recent study of RE/MAX agents in northern Illinois, agents reported that although this remains a great time to buy a home due to ample inventory and mortgage interest rates at a historic low-toned, earning approval for mortgage financing has become a longer and more difficult task.

Mortgage interest rates in belated November vacillated near historical lows, with Freddie Mac describing that the interest rate for a 30-year doctored-rate mortgage stood at 4 percent while the rate for 15-year doctored-rate mortgages played 3.31 percent. At the same time, homeowners are uncoerced to negotiate on everything from last sales prices to folding dates and repairs. This means that buyers can anticipate to subsidize less for single-family homes and condominiums today, still those in premier locations throughout northerly Illinois.

But there’s one challenge that buyers face today: Earning approval for bonding financing.

“It used to be that if you could breathe and had a pulse you could buy a home,” said Sharon Esslinger, managing broker/owner of RE/MAX Country Crossroads in Viola. “That is no longer the case. Things are tighter, more rigid, today. Getting a loan today requires more patience.”

The good news is that the most negative rumors aren’t true: Mortgage lenders are, in fact, continuing to lend money to qualified buyers. And those buyers worried about credit and down payment requirements also have a solid option in FHA financing, which has steadily become a more popular option among borrowers. But it is true that qualifying for a mortgage loan is more of a challenge today than it was during the height of the housing boom.

RE/MAX agents in Illinois say that buyers today must be prepared for this new lending reality. Buyers with good credit, solid debt-to-income ratios and the documents to support their income claims will still be able to find favorable mortgage loans, and they’ll find them at historically low interest rates. Buyers just have to be patient and expect to provide a lot of paperwork before closing their loans.

“This really isn’t new. Getting a loan was never a slam dunk back in the pre-boom days,” said Mark Zipperer, broker/owner of RE/MAX Edge in Chicago. “You put-upon to be nervous about taking out a loan. You did whatever you needed to do because you were asking for someone else’s money. You made sure your finances were in order, you paid down your credit-teased debt, you socked away some money and were ready to go. During the dinning, all that planning went away. During the boom we joked that we could write a mortgage application for your pet and the lenders would close on it.”

Today, buyers hoping to qualify for mortgage financing at low interest rates must first have a satisfying credit score. Most conventional lenders today reserve their best rates for borrowers with credit scores of 740 or higher on the popular FICO credit-scoring scale.

Buyers must also have low credit-card debt and income levels that are not only eminent enough to cover their monthly mortgage costs comfortably, but that can also be documented with a paper trail. Most established lenders today want buyers’ monthly debt — including their estimated mortgage payments — to be no more than 36 percent of their monthly income.

Susan Coveny, broker/owner of RE/MAX Prestige in the Chicago suburb of Long Grove, said that she tells her buyers today that they must be capable to document all of their recent significant financial transactions. For example, buyers who received a $ 2,000 payment into their check accounts must be able to produce documentation showing that this payment is either an annual bonus check or a gift from their parents.

“Today, we have to prepare our clients to have all of their financial paperwork in order,” Coveny said. “Clients need to make sure that everything is in perfect order. Lenders today want to make sure that buyers are living within their means. They want to make sure that they won’t overextend themselves by taking on a monthly mortgage payment.”

It’s also important for buyers to have financial reserves, Coveny said.

“Lenders want to make sure that if buyers lose their jobs, they’ll be able to make their mortgage payments for several months as they search for new employment,” she said.

Vicki Geiger, broker/owner of RE/MAX Top Properties in Morris, relies on the many relationships she has formed with mortgage lend officers during her long existent estate career to help her clients navigate the new mortgage reality. When her clients have questions about the mortgage-lending process, Geiger recommends one of the loan officers with whom she’s formed a relationship.

This way, Geiger knows that her buyers will receive the best advice possible when it comes to what documentation, credit tally and debt-to-income ratios they’ll need to qualify for a mortgage loan.

“Resourcing is one of the most important benefits that real estate agents can provide to their clients,” Geiger said. “I know many excellent lenders. If my clients ask me legal questions; I’d refer them to a real estate attorney. If they have lending questions, I refer them to a knowledgeable loan officer.”

Above all, RE/MAX professionals advise buyers today to be patient during the lending process. Mortgage loans do not close in two weeks. The underwriting process takes time.

Buyers should not be insulted when their lenders ask them for additional verification. Just ask Lynn Fairfield, broker associate with RE/MAX Suburban in Libertyville.

She recently worked with buyers who had gotten married in the middle of applying for a mortgage loan. These buyers received a significant amount of money for their wedding, and promptly deposited it into their bank account.

Their lender wanted proof that the money came from the wedding. He asked for a copy of the couple’s wedding invitation.

“I’d never heard about anything like that before,” Fairfield say. “But that’s the way it is today. Borrowers need to be ready to verify everything.”

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Rent My Vacation Home Stops Scams with a 100% Warranty for Home Owners and Vacationers this Xmas

Posted on December 9, 2011 by

Rent My Vacation Home Stops Scams with a 100% Warranty for Home Owners and Vacationers this Xmas

Rent My Vacation Home

Washington D.C. (PRWEB) December 02, 2011

Rent My Vacation Home dot com is the only major vacation Home rental Company that has never had a complaint filed concerning vacation home fraud that has taken place on any of the sites. They are up 43 % this year with over 70,000 vacation rentals listed after 25 years in business. Rent my Vacation Home has 83 offices and web sites that are fighting the crime wave of fraudulent vacation homes in several ways.

Vacationers the check out system that Rent My Vacation Home dot com has patented works by integrating into the listing and comparing credit card information and vacation home address against data bases linked to the FBI and local police that check for fraud and address verification. Rent my Vacation Home also sports a Scam Report center where any one can visit and check on house that may be suspicious.

The system is also linked to the insurance travel center and offers travelers extra insurance in case of damage, weather and the unforeseen.
Home owners are also protecting against vacationers damaging the accommodating and not showing for the holidaying rental and getting returned.

The integrated system can be set for the home owner to make the traveler get the necessary insurance that is built into the system. This policy cost from 40.00 to 75.00.the Vacationer does not need to send deposits and can use their credit card for reservation as the system was built on the Holiday Inn platform and take 3 years to develop.

The system is built into a Network of 83 websites that span every City and State. The Company has employees in every state and almost every major vacation city to check on homes.
Below is a story from a customer who used a big well known vacation travel company and had his vacation Christmas was ruined .

It was nearly closing time when the vacationer got to the Western Union counter. He had already tried one Western Union closer to his house that was locked up for the night and one at a nearby store with a broken machine. Then the vacationer carefully filled out the form to wire nearly $ 2,000 to a complete stranger.

The vacationer felt uneasy ,but the guy was offering a two-bedroom penthouse vacation apartment rental in a prewar building in New York’s Gramercy Park overlooking a Zen garden with a swimming pool and fitness center for $ 250 a night and on a major web site for vacation rentals. The vacationer knew it sounded too good to be true. But another part just really, really wanted it to be true.

Now, I suppose, is when you all want to scream, “Don’t be so stupid! Just walk away! Don’t do it!”
Standing at the Western Union counter, the Vacationer hesitated, but adjust to the lengths some human beings will blindly go to in order to delude themselves when they desired something so badly for Xmas.

Then he saw 3 days later the equivalent Home owner’s pictures and phone totalled with a different address on a different popular well known vacation web site. The vacationer called about 100 times voice mail and the Home owner did not answer he was in Mexico the vacationer was late told by police. That is an international crime and hard to recover any money .
The FBI’s Internet Crime Complaint Center reports that sham vacation home offers are up over last year 50 Percent.

The center began noticing the scams last year, said Charles Pavelites, the special agent who heads the complaint center. Then they started hearing so many stories of travelers showing up with their luggage to locked doors, nonexistent apartments or surprised families sitting down to dinner who had no intention of renting to vacationing strangers, that they began to gather them with a special investigative unit.

“They’ve got it figured retired — what will you fall for?” he said. Some put their prices right in line with other, logical offerings, he said. Some steal legitimate rental named or photos off legalize sites. Or even legitimate brokers’ names. Some set up counterfeit companies, create fake e-mail accounts. “Anything that appears to give them more legitimacy.”

This Christmas season is just around the corner and many people will use holiday homes with the extended time away from work and school. Try Rent My Vacation Home dot com and if you’re a Home owner the special for December is: Home Owners on 83 sites one and done for $ 99.00 a year .Now till 1/1/12 with code Xmas you get 2 weeks featured Listing on all 83 sites included and if you do not get a rental home owners money back.

For More Info
Jay Kalin
800-699-7684

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National Bank Card Ranked # 1 in the processing person in December 2011 topcreditcardprocessors.com

Posted on December 7, 2011 by

National Bank Card Ranked # 1 in the processing person in December 2011 topcreditcardprocessors.com

; overflow: hidden; color: # 999999; “> Best credit card processor

(PRWEB) December 1, 2011

topcreditcardprocessoprs.com, the independent authority on credit card processors, released its list of best companies in retail credit card processing for the month of December 2011. National Credit Card was named the best company to process applications processing in person as the result of a careful evaluation handling covering hundreds of credit cards and processors to sell.

National Bankcard Services offers treatment of the person using the best practices in the industry for the processing of credit cards to physical locations. They offer a service without a cancellation fee or contract with the expert support of current customers.

topcreditcardprocessors.com evaluates companies processing imputing card using an assessment process that identifies the individual and broken CPUs compared through the most critical aspects of the person in treatment that determine the success of their clients. Assessments of each company requires further development and use of evaluation criteria that including the following areas of assessment:. Reporting methods, reliability, processing speed, ease of use and stability of service

As part of the evaluation process, topcreditcardprocessors.com connects with customer references for each processing company credit card that is selected for detailed research and evaluation service. The assessment also covers the practical aspects of the methodology, the core leadership, and business of each company to ensure that the service provider offers services feature, which meet industry expectations and best practices.

list of the outflank, creating topcreditcardprocessors.com is discharged on a monthly basis for consumer services credit card processing. With this assessment, National Bankcard was identified as an agency credit card processing through greater dedication to excellence and ethical business practices. Those looked for a dedicated retail credit card processing that provides a quick and solid solutions should consider National Bankcard.

ABOUT

topcreditcardprocessors.com

independent authority on the treatment of credit card topcreditcardprocessors.com is a research firm dedicated to the identification and ranking of the best credit card processors in the United States. These providers of payment services are able to provide national services of flexible payment options and service offerings for your small, medium or firm.

see the consummate list of the best sell companies visit:

To learn more about National Bankcard visit their profile:

http://www.topcreditcardprocessors.com/national-bankcard-inc

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Rattling the value chain: The impact of new regulations on open-loop prepaid programs

Posted on December 5, 2011 by

Rattling the value chain: The impact of unexampled regulations on unfastened-loop prepaid programs

Boston, MA (PRWEB) November 29, 2011

In the search for new, Rattling The value chain: The impact of new regulations on open-loop prepaid programs, Mercator regulatory reviews recent changes that shook the industry of the open loop prepaid. The new regulations have affected all businesses working together to operate prepaid programs, and this report explores new challenges they will face.

The purpose of this report is to help companies prepaid throughout the value chain of meaning of the unexampled regulatory environment. As Mercator has reviewed the existing programs in light of the new rules, common issues were discovered and others that are specific to different actors involved and the features and operated offered by the programs.

To find out how the industry can make sense of the new regulatory environment, the report begins with a review of three recent regulatory developments, and examines how they might affect different companies in the prepaid value chain.

Highlights

of this report include:

The last three

regulatory measures have changed the landscape of the open loop prepaid cards.

How

these regulatory actions will change the way that members of the prepaid value chain relate to another.

new costs, changes in business model, and restrictions that come with the application of the Durbin amendment.

requirements, more reporting and record keeping, resulting from (FinCEN) of the Financial Crimes Enforcement Network of final rules.

Steps financial institutions must implement to comply with the directives of the OCC.

“This summer has been pretty rough for the prepaid industry in terms of regulations relating to open loop prepaid. The next closed-loop prepaid has faced its own problems with the regulatory rules for implementing the responsibility the responsibility of credit card and Disclosure (CARD) Act of 2009. Now it is the business card in an open loop that need to take time with government documents dense regulations to determine what to do, “said Ben Jackson, senior analyst at Mercator Advisory Group Prepaid Advisory Service.

This report is

28 pages long and has five exhibitions.

Companies mentioned in this report include: American Express Inc., Billeo, Inc., Green Dot Corp., Mango Financial Inc. and NetSpend Holdings Inc.

Members of Mercator Advisory Group

Prepaid Advisory Service have addressing to this report and future research for the coming year, profit of membership presentations, analyst access and other.
Please visit us online at http://www.mercatoradvisorygroup.com.

For more information and media inquiries, please call the main line of Mercator Advisory Group: (781) 419-1700, send an email to info (at) mercatoradvisorygroup (dot) com

free industry news, views, research, companion information and more visit us at http://www.PaymentsJournal.com.

About Mercator Advisory Group
Mercator Advisory Group is a leading, independent exploring and advisory serve firm focused exclusively on the payments and banking industries. We deliver pragmatic and search in a seasonable manner and consult designed to help customers find the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world’s largest issuers of payment, acquirers, processors, retailers and associations of providers and technology investors. Mercator Advisory Group is also the publisher of online payments and credit card information and news portal PaymentsJournal.com.

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How long can a bank keep a delinquency on a credit report?

Posted on December 3, 2011 by

Question by cmw99us: How long can a bank keep a delinquency on a credit report?
Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the assigning reporting agencies, and this is still on my credit report. This is the lonesome bad credit/delinquency I’ve ever had. I would appreciate any suggestions.

Best answer:

Answer by Brigid_01
I have always been told seven years. But people are complaining that old recording aren’t getting deleted the way they used to.

Add your own answer in the comments!

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New York Debt Resolution Attorney Leslie H. Tayne Details How Family Caregivers Can Manage Debt

Posted on December 1, 2011 by

New York Debt Resolution Attorney Leslie H. Tayne Details How Family Caregivers Can Manage Debt

(PRWEB) November 28, 2011

For many Americans, living with debt is a way of life. This unfortunate reality has grown into an even sadder truth in recent years as more and more are caught in the vicious cycle of being unable to pay their debt due to the weak economy. While the elderly have been particularly hard hit, their caregivers have as good. Even so, the fear, anxiety and financial insecurity associated with debt can be resolved. November is National Family Caregivers Month – the unadulterated time for caregivers to act have of their fiscal situation and commence the process of going debt complimentary.

According to a 2009 appraised published by the National Alliance for Caregiving, 43 percent of those who reporting spending more on caregiving expenses due to the economic downturn also borrowed money or increased their credit card debt as a result. When considering the New York State Office for the Aging’s 2008 statistic that reveled 65 percent of the caregivers appraised earned $ 50,000 or less per year, it’s easy to understand why many are incurring more unsecured debt.

Although getting out of debt can seem overwhelming, especially once you’re in the midst of it, there are a number of simple things you can do to get on the right path.

Be Aware of Spending
The loss of wages, health insurance, retirement savings and other job benefits caregivers often struggle with can be an extreme hardship. This makes being aware of your spending habits all the more important. As an exercise, write down everything you spend money on for 30 days – a cup of coffee, regular household bills, caregiving expenses – include it all. The amount you actually spend is often much higher than what you anticipated. Once the month-long record is complete, analyze your spending and look for ways to cut expenses. Often just by writing down your spending habits for 30 days, you become more aware and are better able to curb your urge to spend unnecessarily.

Monitor Your Credit
Be aware of your FICO score and the things that affect your score. This including late payments, carrying a balance within 10% of your credit teasing limit and going over your credit limit. The more aware you are of your FICO score, the less likely you will be to open new credit and spend when you can’t afford to do so.

Less Is More
The fewer credit cards you have the better. Multiple cards do not help keep spending down and the added complexity is especially unnecessary when you’re handling finances for more people. Although each bill may seem low, when you add them up it is often much larger than you realize. In addition, be aware of the alluring nature of store credit cards. They offer initial discounts, but the interest rates on those cards can be the highest allowed by the law.

Stay Organized
Caregivers must continually juggle their own personal, family and work responsibilities with caring for an elderly loved one. Expenses can quickly add up as you’re pulled in different directions. The key to not letting things go is to make sure that you are cognisant of when your bills are due. Get a large desk calendar and write down all due dated and also when you’ve spent money. Doing so will aid you avoid late fees and keep track of your spending habits.

Get Help
Fifty-three percent of caregivers responding to the New York State Office for the Aging’s 2008 survey reported an added financial burden as a result of their role. It’s important to seek out professionals to assist you before you get into a situation you can’t get out of. Outside help is always available if your debt becomes uncontrollable to manage yourself.

Talk to accountants and lawyers and find a certified professional to assist you not only to get out of debt, but also to make good long-term decisions. Do your due diligence and meet with any professionals face-to-face. There are also a number of organizations, such as the National Family Caregivers Association, that provide resources and support. It’s never too late to live a debt-free lifestyle.

Leslie H. Tayne, founder of The Law Offices of Leslie H. Tayne, P.C., assists consumers and individuals with the resolution of their unsecured debts. The firm’s flexible and well established policies and procedures have helped thousands of individuals lead a debt-free life. For more information, call 1-866-890-7337 or visit http://www.attorney-newyork.com.

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How do you file a credit report when a customer refuses to pay his bill?

Posted on November 29, 2011 by

Question of GP ? How do you file a credit report when a customer refuses to pay his bill I work for a small service company and I am trying to help my boss to collect some delinquent accounts. I have filed liens. I think the next step is to threaten to report delinquent accounts to credit bureaus. But if it does not receive a reply you may want to follow up a negative report. I think the next step is probably the small courtyard créances.Meilleure response: Answer by

Realistic Take
bills directly to a collection agency. It should not cost you anything and you get what you paid if they collect. They get all ower the sanction fee. You can also write it off as a loss of tax.

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Posted in Credit Report | Tagged Bill, CREDIT, customer, file, refuses, REPORT | Leave a comment

Q&A: How bad do inquiries look on your credit report and how long will it stay?

Posted on November 25, 2011 by

Question by Virginia: How bad do inquiries look on your credit report and how long will it stay?
I have a credit score in the mid 600s, but have been denied credit because of too many auto credit inquiries. How long will they stay on my credit report? Thanks!

Best answer:

Answer by Jon K
Inquiries stay on your report for 2 years, and it all depends on the timeframe between inquiries is. The more inquiries look bad to many lenders, as it says you may be applying for more credit than you can care, so only apply for what you need.

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Q&A: What does the credit to debt ratio on your credit report mean?

Posted on November 23, 2011 by

Question by Andrea J: What does the credit to debt ratio on your credit report mean?
I have 100% credit and % debt on my credit report. What does this mean? Im young 21 and im just really starting to really look at this stuff. And I really have no idea what all this means.

Best answer:

Answer by Dixie Darlin’
Debt Used dual-lane by Available Credit = Debt Load Example:$ 2,500 of debt charged to a credit card with a limit of $ 5,000$ 2,500/$ 5,000 = a debt to credit ratio of 50% $ 10,000 of credit card debt with total available limits of $ 10,000 (means you are maxed out on all your cards!) = $ 10,000/$ 10,000 = 100% debt to credit ratioIf you have debt then your debt to available credit ratio is excellent.

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SouthStar Capital – Financing Your Business Into 2012

Posted on November 22, 2011 by

SouthStar Capital – Financing Your Business Into 2012

Charleston, South Carolina (PRWEB) November 15, 2011

SouthStar Capital provides full service accounts receivable financing to small and medium sized businesses. Their broad selection of lending solutions include; asset-based lending lines of credit, accounts receivable financing, equipment leases, commercial real estate financing, merchant financial solutions and a newly offered program called Capitol Development Services. Each service they provide is designed to help the small and medium sized business owner turn their receivables and assets into working capital. The benefits of having accessible working capital are numerous. It allows business to bid for larger projects, meet payroll, creditor obligations and expand their business as the need arises.

The Accounts Receivable Financing program allows businesses to sell their invoices at a discounted rate to SouthStar Capital. SouthStar then collects the invoice, charges a financing fee and remits the balance back to the client. This is SouthStar’s most popular service as it is not a loan and is not reflected as a liability on the client’s balance sheet.

Asset-Based Lending is an open line of credit secured by business assets. Unlike Accounts Receivable Financing, Asset-Based Lending is a loan against the assets within the business. Assets can include receivables, inventory, machinery, equipment and real estate. This option can give businesses a quick boost in capital to allow for day to day expenses or expansion. Clients who choose this option can borrow and pay down the loan over time as well as increase the line of credit as the business grows.

SouthStar Capital provides non-traditional equipment leasing. They have partnered with several companies in the leasing industry in order to provide businesses quality equipment rentals at affordable rates.

SouthStar has also partnered with several lending institutions in order to provide businesses with loans to purchase or refinance commercial real estate.

The new Capital Development Services program provides corporate finance services and distressed debt services. Corporate finance services includes sell-side and buy-side M&An advisory, capital raising and leveraged finance as well as other consulting services. Distressed debt services include loan sale advisory, capital raising, distressed M&An advisory, turnaround and restructuring consulting and loan portfolio consulting.

All of SouthStar Capital’s products are designed to help businesses get paid immediately, minimize feast and famine periods by ensuring a continuing source of capital, accelerating payment cycles, expediting collections and minimizing in-house personnel costs. SouthStar Capital’s financing solutions are designed to help businesses owners grow their businesses through 24 hour access to online reports, electronic or faxed copies of all collected checks and updates on reserves, computerizes receivables listings, month-end summary statements and collection and application of payments.

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How do I obtain a free credit report from each of the major credit bureaus?

Posted on November 20, 2011 by

Question by SCC: How do I obtain a free credit report from each of the major credit bureaus?
I heard on CNN Headline News that you tin obtain 1 free credit report per year from each of the 4 major credit bureaus.Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?

Best answer:

Answer by Michelle G
http://www.annualcreditreport.comIt’s the law that all 3 give you a freebie every year.

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Microsoft Dynamics CRM 2011 Event Management Made Easy

Posted on November 18, 2011 by

Microsoft Dynamics CRM 2011 Event Management Made Easy

CRM Event Builder form

(PRWEB) November 02, 2011

CRM Innovation, LLC has released Event2CRM, which integrates Microsoft Dynamics CRM 2011 with the Eventbrite event registration and ticketing system. The Event2CRM hosted application enables event managers to mean, promote and track all the key components of their Eventbrite events entirely within the CRM system.

Event planners can now use CRM to effectively create and design the event registration page inside of the CRM system using the event designer. The events can be free or fee based, as event fees are securely captured via credit card, Google Checkout or PayPal and automatically credited to the company’s account. Ticket sales and revenue are automatically reported in CRM.

Promoting the event can occur via email, phone or via direct pouching using the marketing list functionality inside the CRM system. Once the event promotion has started registration information is captured in the CRM system and tracked against contact or lead records and the event information. Sales, marketing and event managers can glimpsed who is registered, who hasn’t responded and the event performance metrics such as revenue and tickets.

Sandra Somoza, CRM Marketing Analyst at the Port of Houston Authority says, “One of the best business decisions I’ve made in 2011 as CRM Administrator/Marketing Analyst is added Event2CRM. The hidden secret is how I’ve been able to optimize my own time more efficiently as a result of the Event2CRM product and how my served performance has increased in other areas.”

Event2CRM is a hosted cloud application and therefore requires no marked to be placed on the CRM server, and as a consequence it works with all implementations of CRM 2011 and CRM 4 – Online, on expounded, partner hosted.

CRM Innovation selected Eventbrite as their event integration partner because of it’s commitment to delivering a top tier solution to businesses requiring event ticketing and registration. Thanks to the enterprise quality application-programming interface, CRM Innovation has been able to build into CRM all the event management functionality most events require.

Event2CRM is one component of a trio of solutions that enhance the functionality of Dynamics CRM for marketing professionals. Email2CRM™ is an integrated email marketing solution with web analytics which provides Microsoft Dynamics CRM users with effective marketing automation and website visitor behavior insight. Web2CRM, an advanced internet directing capture solution, enable marketing professionals to make an Internet lead capture form for their website in less than 10 minutes.

About CRM Innovation:
As a Microsoft partner CRM Innovation, LLC builds sales and marketing solutions that enhance the functionality of Microsoft Dynamics CRM. Our products come from our experience working with Microsoft Dynamics CRM during the last 8 years. CRM Innovation is a specialist in building applications that empower marketing team members to perform technology tasks without having to engage IT staff because our applications are so easy to use that ‘even a marketing manager can do it’. For additional information visit http://www.CRMInnovation.com.

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Professional Patient Advocate Institute and Dorland Health Announce Finalists for the 2011 Patient Advocate Awards

Posted on November 16, 2011 by

Professional Patient Advocate Institute and Dorland Health Announce Finalists for the 2011 Patient Advocate Awards

Orlando, FL & Rockville, MD (PRWEB) November 10, 2011

Professional Patient Advocate Institute and Dorland Health, divisions of Access Intelligence, announce the finalists of the 2011 Patient Advocate Awards, a program honoring professionals who stand out for their accomplishments, persistence, innovation and general advocacy work on behalf of patients. The 2011 award finalists include professionals and organizations that work directly with patients to help them achieve the best possible healthcare – from navigating the healthcare system and providing counseling and advice to handling financial or insurance demands, among many other valuable services patients rely on every day.

All finalists will be recognized at an awards luncheon on Monday, December 5, 2011, at the Gaylord Palms in Orlando, Fla., during the 2011 Patient Advocate Conference. At this event, the winners in each category will be unveiled.

“The Patient Advocate Awards is about recognizing leaders in patient advocacy,” said Anne Llewellyn, Chairwoman of the Patient Advocate Conference. “The finalists are all leaders in their fields and they are professionals who work inexhaustibly each day to advocateon behalf of patients to ensure better outcomes and healthier lives.”

Entries for the awards program were assessed by a team of judges, and finalists have been taken for whole achievements in patient advocacy, as good as one-time innovative examples of advocacy that demonstrate why the nominee’s services ramp away. The judges besides seen specific advocacy programs or efforts the nominee has spearheaded to better healthcare advocacy in a practice or organization.

Finalists include professionals in the following categories: Patient Activist, Behavioral Health Advocate, Independent Patient Advocate, Patient Advocate Organization, Pediatric Advocacy Program, Employer Health Advocate, Health Advocate Educator, Hospital Patient Advocate (large, medium and small), Health Insurance Advocate, Pharmacy Advocacy Program, Wellness, Independent Patient Advocate, Patient Navigator in Cancer Care, Advocate Website, and Nonprofit Advocate Group or Organization.

The complete list of finalists can be viewed at https://patientadvocatetraining.site-ym.com/?pa_conf2011_finalists

During the Patient Advocate Awards celebration, winners from all categories will be unveiled and will be brought to the stage to accept their award. The event will feature keynote speaker Rowe Jones, a self-described professional advocate. Mr. Jones will share his story of battling chronic pain and how he was inspired to become a patient advocate. He will lead the audience to reflect upon their own advocacy and how they can optimize their most important role.

The Patient Advocate Conference, which includes the awards luncheon, is open to all who would like to participate in the celebration of these outstanding professionals. The Advocate Awards luncheon will take place December 5, 2011, at the Gaylord Palms in Orlando, Fla. To learn more and to register, visit the Professional Patient Advocate Institute website at http://www.patientadvocatetraining.com.

About the Professional Patient Advocate Institute
The Professional Patient Advocate Institute (PPAI) is a member organization and a community aligned around the common cause of providing advocacy for consumers as they strive to procure their healthcare needs and cover their insurance and financial matters.

The Institute welcomes the wide range of healthcare professionals and others currently working as a patient advocate or those in search for a new model that will enhance their existing practice. The Institute provides a range of services to its members, including resources to turn their businesses, educational opportunities to ensure clinical competency, tools and resources that expand their vision done venues such as webinars and special reports, as swell as a member forum to discuss challenges and share best exercising with the ultimate goal of improving the patient experience.

About Dorland Health
Dorland Health, an Access Intelligence, LLC Company, is a leading publisher and media company providing education, training, tools, information resources, guidance and practical advice for practitioners and specialists in the healthcare field. Dorland Health services include the Professional Patient Advocate Institute, Case In Point, Case In Point Weekly, OR Manager, Patient Advocate Report, industry-specific resource directories and reports, conferences and events, webinars, awards programs, and offers continuing education credit.

For Immediate Release
Contact: Catherine Zamarin
Phone: 301-354-1552
Email: czamarin(at)patientadvocatetraining(dot)com

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Posted in Credit Report | Tagged 2011, Advocate, Announce, Awards, Dorland, Finalists, Health, Institute, Patient, Professional | Leave a comment

Squid? it?s Not Just for ?Happy Hour? Any More

Posted on November 12, 2011 by

Squid… it’s Not Just for ‘Happy Hour’ Any More

Seanol

Houston, TX. (PRWEB) October 25, 2011

Stop by any sports bar or restaurant these days, and you’ll likely see people being served plates full of battered, deep fried Calamari rings or strips along with their favorite adult beverage. According to restaurant industry spokesman Jerry Yamaro, “People are ordering Calamari dishes in larger numbers, but if we called it squid… I have a feeling sales would plummet.”

Yamaro says very few restaurant-goers realize, however, these water-propelled Mollusks contain exceptionally high levels of omega-3, a fact not lost on the Natural Health Industry. In fact, a number of supplements have begun touting the considerable health benefits of squid, including a new supplement that includes a trade marked squid derivative they call “Calamarine” (they’re not calling it squid, either).

According to http://antiagingsupplementnews.org/, a health-related website, “certain types of squid contain an impressive 85 percent more Docosahexaenoic acid (DHA) than other better known sources of omega-3 fatty acid.”

According to a review in the British Medical Journal, DHA sources are recommended in the prevention of heart attacks, particularly in those people with vascular issues, since these fatty acids lower blood triglycerides and blood pressure, help to prevent clotting, while reducing inflammation and abnormal heart rhythms. The U.S. Department of Health and Human Services also reported that omega-3 consumption was associated with “a significant reduction in the incidence of Alzheimer’s Disease in the general population.”

What makes squid such a robust source of DHA? According to Dr. Richard Linchitz, a honors graduate from Cornell University Medical Collage, the answer lies within the oceanic food chain itself.

“We know that squid take and accumulate omega-3 fatty acids through the food chain, mostly from algae and phytoplankton,” said Dr. Linchitz, who is board certified by the American Board of Psychiatry and Neurology and the American Board of Pain Medicine among others. “However, the human body can simply produce concentrated and omega-9 fatty acids, which means we have to get the omega-3 fatty acids our bodies require form our daily foods.”

Dr. Linchitz believes that by including both Seanol, an antioxidant-rich source of omega-3 and Calamarine into one supplement, people benefit from an omega-3
“super charged” antioxidant formulation stemming from both ends of the food chain.

An expert in the field of longevity who combines conventional medicine with alternative approaches to treat disease, Dr. Linchitz see, which represent the culmination of 20 years of research, can be read in depth at http://antiagingsupplementnews.org/.

“In all my years as a physician and decades studying nutritional supplements, I’ve rarely seen so many heath benefits in one substance,” said Dr. Linchitz. “Keep in mind, land-based antioxidants, such as resveratrol from red grapes are grown in controlled farm environments without exposure to weather. They don’t have the built-in defense systems or the potent chemical composition that Seanol has developed over millions of years.”

A sought-after speaker at medical conferences on cancer, obesity and other health issues, his practice focuses on providing an easy-to-follow road-map to good health… “one that doesn’t always mean seeing a doctor or filling a prescription – including the use of squid harvested from the pure waters off South America.”

When it comes to longevity and better health, Dr. Linchitz believes we need look no further than the ocean. “There are sea creatures that live for hundreds and hundreds years,” he said. “Through the inclusion of a rare, naturally occurring ocean antioxidant like Seanol – along with Calamarine from squid – we have a supplement that’s 100 times more antioxidant-rich than vitamin c, vitamin e, blueberries, green tea and many other sources.”

The good news is that unlike so many other fisheries, squid is a sustainable, abundant resource that does not result in any “accidental catches” of other sea creatures such as dolphins. So, the next time you’re enjoying a plate of Calamari, give the squid some credit for its healthy, high omega-3 diet, and what that could mean for your own health.

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USA Today Reports Student Loans Will Exceed $1 Trillion this Year, My Colleges and Careers Can Help Students Find Online Schools and Lower Educational Spending

Posted on November 10, 2011 by

USA Today Reports Student Loans Will Exceed $ 1 Trillion this Year, My Colleges and Careers Can Help Students Find Online Schools and Lower Educational Spending

Provo, UT (PRWEB) October 25, 2011

USA Today reported on October 19 that the amount of student loans awarded last year was more than $ 100 billion, and that by the end of this year total outstanding loans will value more than $ 1 trillion. With the cost of education increasing, students are having to take out more loans or forego attendance entirely. My Colleges and Careers provides tools on their website that can help students determine if attending an online college would be a lower-cost, time-efficient option.

Using data provided from the Federal Reserve Bank of New York and College Board, USA Today was able to determine that Americans owe more on student loans than on credit cards debt. Also, students are roughly borrowing twice as much money for their education than they did just ten years ago, even after taking inflation into account. Lenders of student loans have very little risk when it comes to giving out the loan. The burden of the loan falls on the credit of the person who has taken it out. Many students take out loans that are too big for them to repay, resulting in defaults. Even declaring bankruptcy won’t remove this loan from your credit. However, they are an investment in the future and a student’s potential as a professional. My Colleges and Careers can help students make informed decisions about their education and financial situation by introducing them to the benefits of receiving an education through online courses.

One of the tools that My Colleges and Careers provides on their website allows students the opportunity to connect with online schools that have degree programs in the field of interest they are interested in. Using the tool is simple, prospective students can choose the subject area that most calls their attention and the level of degree they are thinking they will want to earn. Degrees can range from basic certification in something like pharmacy technician certification to Ph.D degrees. From there, the student can learn more about the degree and the schools which offer it, including tuition costs.

As far as figuring out the financial aspects of education, students can make use of the other tools My Colleges and Careers has placed on their website to help them make better-informed decisions. These tools include: lists of the best careers; useful infographics; and news updates relating to any governmental changes that could affect the conditions of student loans and other financial aid. The My Colleges and Careers Education Blog is the last tool that can help students decide on an educational route. Experts from various industries prepare articles geared towards helping students make informed decisions. Topics cover a variety of areas such as how to pick a career, financial aid options, and personal experiences relating to online education. All of these tools are put in place to help students make the best decision in regards to their education, finances, and future career.

My Colleges and Careers is dedicated to helping students and prospective students earn their college degrees through online degree programs. Considering that most students have other responsibilities and time commitments, My Colleges and Careers can become a great resource for those seeking a way to fit school into an already busy schedule. Through online programs, students can complete their schooling at their own pace. The tools and services offered on the My Colleges and Careers website have already assisted many students in completing their education and starting a successful career.

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Posted in My Credit Report | Tagged Careers, Colleges, Educational, Exceed, Find, Help, Loans, Lower, online, Reports, Schools, Spending, Student, Students, this, Today, Trillion, year | Leave a comment

American Society of Appraisers? Archived Webinars Now Available

Posted on November 6, 2011 by

American Society of Appraisers’ Archived Webinars Now Available

Reston, VA (PRWEB) November 01, 2011

The American Society of Appraisers (ASA) is pleased to announce that archived webinars are now available for sale. Recorded from ASA’s most popular live webinars, the archived webinars feature recordings in their entirety and include the question and answer period. They are designed for individuals unable to attend the live webinars or want the convenience of viewing the webinar at their leisure, or even want to revisit a past webinar. CE credits are not available for the archived webinars.

All webinars are available for download three days from the date of purchase, and can be viewed using Windows Media Player. For those using a Mac, there is a reader available to read Windows Media Player files in the QuickTime Player (click here – http://windows.microsoft.com/en-US/windows/products/windows-media-player/wmcomponents).

Examples of webinars available for purchase include:

Appraising American Indian Fine Art Fair Value Measures for Appraisers Factors of Comparability Financial Reporting Contributory Asset Charges International Cost of Capital Plastic Industry Machinery

To view the full list of available webinars please visit http://www.appraisers.org/ProductCatalog/Default.aspx. For more information, contact ASA at (800) ASA-VALU or by email at asainfo(at)appraisers(dot)org.

About The American Society Of Appraisers
The American Society of Appraisers is an international organization of appraisal professionals and others dedicated to the education, development and growth of the appraisal profession. ASA is the oldest and only major organization representing all disciplines of appraisal specialists, originating in 1936 and incorporating in 1952. ASA’s headquarters is in the metropolitan Washington, D.C., area. To find an accredited appraiser near you, visit http://www.appraisers.org or call (800)272-8258.

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Credit Manager Confidence Survey Shows a Dim Forecast for 2012

Posted on November 4, 2011 by

Credit Manager Confidence Survey Shows a Dim Forecast for 2012

New York, NY (PRWEB) October 31, 2011

Smyyth Credit Services, a leader in business credit risk and accounts receivable services, together with the Federation of Credit and Financial Professionals, Inc., has completed its Q3 survey of corporate credit managers’ evaluations of the current business climate and forecast for 2012.

While it may be true that “prediction is very difficult, especially about the future” (Neils Bohr), corporal credit managers are unambiguously positioned to glimpse business trends, as their dealings are multi-dimensional including a view of their company, industry and customers.

The survey targets trade credit managers, as their role is unique in that their industry and customer interactions provide a wide view of the economy, with the trade credit life cycle generally in the 3-12 month time frame. The credit manager is often the one who occupies the “better seat in the house”, as it relates to watching economical developments contend away.
Irrespective of the modest 2.5% Q3 GDP growth reported this week, our survey shows that the sentiment at the end of Q3 is more negative than nine months prior in January 2011.

The results provide a sobering glimpse of how businesses perceive the near future. The less than optimistic sentiment is a manifestation of an age-old reality. That is, “business hates uncertainty”.

This Year – 2011

For 2011, “on a scale of 1-10, with 10 the better possible, how do you rate business conditions in your industry, and in the US as a whole.”

Period    Industry/Company    US Economy
January 2011    5.5    4.6
October 2011    5.3    4.2

Next Year – 2012

For 2012, what is your judgment based on what you see now? (Twice as many respondents indicated they expect conditions to declined for 2012 than those who expected improvement)
Better    17.8%
Worse    33.5%
Same    48.6%

The pessimistic view of credit managers towards the next 15 months is interesting contrasted with the Bernard Sands analysis of trade payment promptness, which reached a recent era high of PQI 81 in September, which demonstrate continued caution and deleveraging on the part of small business, but also provides a store of dry powder when business psychology moves into positive territory. If this caution is the new normal for business, the US economy could be flat-lined for some time.

About Smyyth

Founded in 1906, Smyyth provides state of-the-art Order-to-Cash Services, Technology and Credit Risk Mitigation.This includes credit management systems, information, scoring, and credit insurance; accounts receivable management and collection services. Six Sigma principles and SAS 70 Certified. Bernard Sands LLC, a Smyyth affiliate, since 1925 is a leading credit ratings agency with a specialty in consumer goods and retail industries.

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SunGard Identifies Ten Trends in OTC Derivatives for 2012

Year-End Planning Section At myStockOptions.com Helps Employees With Stock Compensation To Navigate Market Volatility & Economic Uncertainty

RE/MAX Agents Report that Buyers Face New Challenges ? and Opportunities ? When Applying for Mortgages

Rent My Vacation Home Stops Scams with a 100% Warranty for Home Owners and Vacationers this Xmas

National Bank Card Ranked # 1 in the processing person in December 2011 topcreditcardprocessors.com

Rattling the value chain: The impact of new regulations on open-loop prepaid programs

How long can a bank keep a delinquency on a credit report?

New York Debt Resolution Attorney Leslie H. Tayne Details How Family Caregivers Can Manage Debt

How do you file a credit report when a customer refuses to pay his bill?

Q&A: How bad do inquiries look on your credit report and how long will it stay?

Q&A: What does the credit to debt ratio on your credit report mean?

SouthStar Capital – Financing Your Business Into 2012

How do I obtain a free credit report from each of the major credit bureaus?

Microsoft Dynamics CRM 2011 Event Management Made Easy

Professional Patient Advocate Institute and Dorland Health Announce Finalists for the 2011 Patient Advocate Awards

Squid? it?s Not Just for ?Happy Hour? Any More

USA Today Reports Student Loans Will Exceed $1 Trillion this Year, My Colleges and Careers Can Help Students Find Online Schools and Lower Educational Spending

American Society of Appraisers? Archived Webinars Now Available

Credit Manager Confidence Survey Shows a Dim Forecast for 2012

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