Bury Hospice – Financial Report #the #denver #hospice

#bury hospice

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  • VC FUNDING DEALS: Full access to 63,486+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
  • PRIVATE M A DEALS: Full access to 58,494+ M A and Private Equity Deals, including deal multiples, deal advisors, and more. (View Sample M A Deal. View M A Deal Search )
  • INVESTOR RECORDS AND EMAILS: Full access to 19,726+ Investor Profiles, including PE Firms, VC Firms, Angel Groups, & more with PARTNER & EXEC. NAMES AND DIRECT EMAILS! (View Sample Investor Report )

Bury Hospice is a privately-held company that operates in the health care providers and related medical services industry. Bury Hospice was founded in 2010. Bury Hospice headquarters are located in Radcliffe East Ward, United Kingdom.

  • Health Care Providers & Related Medical Services

Finding information on private companies can be painful. That’s why we created PrivCo — the ultimate private company financial research database — and why we have become the private company research provider and partner for hundreds of clients worldwide

Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

  • Regulatory filings
  • Legal exhibits
  • Business journals trade publications
  • News sources
  • Industry research
  • Company sources

Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.





Business Fraud Protection #community #bank, #banking, #bank, #loans, #deposits, #savings, #financial #services,


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Business Fraud Protection

Thieves have developed increasingly sophisticated and malicious techniques to steal money. They thwart existing authentication controls, gain control of customer accounts, and transfer funds to individuals hired to help launder funds and send them overseas–often beyond the reach of local financial institutions and influence of local law enforcement.

What are corporate account takeovers?

Corporate account takeover is a fast-growing electronic crime where thieves typically use some form of malware to obtain Online Banking login credentials and then fraudulently transfer funds from those accounts. Many account takeover schemes target small- to medium-sized business customers since their account balances are generally higher than consumer accounts and their transaction activity is generally greater, making it easier to hide the fraudulent transfers.

Constant vigilance against downloads from unknown sites or clicking on banner ads may be the only ways to avoid becoming an account takeover victim.

An effective tool in the Internet thief�s arsenal is keylogging . Keyloggers can be surreptitiously installed on a computer when a customer visits an infected website, or clicks on an infected banner advertisement or email attachment. Keylogging can also be accomplished via a hardware device plugged into the computer, which stores the captured data for later use. Generally small in size and adept at hiding themselves on the user’s computer, keylogger files often go undetected by most antivirus programs.

Thieves use keyloggers to steal the Login ID, password, and/or challenge question answers of financial institution customers. This information alone, or in conjunction with stolen browser cookies loaded on the criminal�s computer, may enable the criminal to access the customer�s account(s) and transfer funds to accounts controlled by the criminal, usually through wire or ACH transactions.

Other types of more sophisticated malware allow man-in-the middle (MIM) or man-in-the browser (MIB) attacks. In one scenario, the cyber thief is able to intercept the authentication credentials submitted by the customer and access the customer’s account(s). In another scenario, they do not intercept the credentials, but modify the transaction content or insert additional transactions not authorized by the customer which, in most cases, are funds transfers to accounts controlled by the thief. Criminals conceal their actions by directing the customer to a fraudulent website that is a mirror image of the financial institution�s website, or sending the customer a message claiming that the institution�s website is unavailable and to try again later. Cyber thieves may have the capacity to delete any trace of their attack from the log files.

Avoiding Fraud

It’s important for our business customers to understand the reality of the threats that face them today. Customers are constantly being targeted by advanced malware threats.

Commerce Bank has put together this information to help you identity any weaknesses you may have at your business, and give you helpful information to help you mitigate against any loss you may incur from a fraud happening to your business.

NOTICE: Commerce Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source – The bank is not responsible for the content. Please contact us with any concerns or comments.

Copyright 2017 � All rights reserved. Commerce Bank is a registered service mark in Massachusetts of Commerce Bank & Trust Company. None of the Licensed Material on this website may be downloaded, republished, retransmitted, reproduced or used as a stand-alone file. Website powered by ProfitStars.

  • Member
  • | Equal Housing Lender

Quantum Financial – Independent Financial Planners Sydney #advanced #financial #planning


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We advise a select group of successful professionals, business owners and jet setting retirees.

Quantum Financial clients have a life and are time poor. They value dealing with a professional and are willing to delegate management of their finances and partner with a trusted, expert advisor to protect and build their wealth.

Quantum Financial clients want independent, ethical advice not aligned with a large institution or product provider.

What makes us different

We are one of Australia s few truly independent private wealth management businesses. Our multi-disciplinary advisors come from successful careers in investment banking and accounting and are among the best in the country.

Quantum Financial cannot provide services to everyone we only accept a select number of private individuals and families for whom we know we can add significant value.

Subscribe receive free download
‘How to choose a financial planner’

Working with Tim Claire provides us with a great deal of comfort and peace of mind and we’re happy to recommend them to our family and friends.

When I saw Claire Mackay interviewed on the ABC 7.30 program one night, I felt that she was someone I could work with.

I also like Claire s ethics and the way Quantum Financial charge their clients.

I definitely rate Claire as a person, her services and her willingness to support and listen to me, whether it is finance related or not, at a 10 out of 10.

On a professional level, Claire’s got a great deal of credentials. She’s an accountant, a financial planner and has a law degree too.

They are here for us, willing and ready to listen and help.

They’re not the cheapest financial planners by any means, but I’m happy to pay a fee that is fair and transparent.

Above all, they provide me with sound financial advice, are very professional, knowledgeable and good communicators.

My wife Sue stumbled upon you from a report by Alan Kohler who mentioned this young pair who were out to reform the financial world.

Level of communication and transparency is nothing short of outstanding.


Top 5 ERP Software Systems #enterprise #resource #planning #software, #hosted #erp #software,


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Top 5 On-Premise Enterprise Resource Planning (ERP) Software Systems

Epicor at a glance

Infor at a glance

Microsoft at a glance

Oracle at a glance

SAP at a glance

  • Long history of reputable products
  • Over 20,000 customers, 140 countries, 30 languages
  • In major growth mode
  • Reasonable VAR channel
  • Several strong industry solutions
  • ERP consultant strength
  • MS/SQL/SOA technology
  • Low to moderately priced
  • 3rd largest global ERP maker
  • Over 70,000 customers
  • Several different ERP systems
  • Vertically focused ERP solutions
  • Lean manufacturing capabilities
  • Complex and discrete manufacturing
  • Process manufacturing
  • Strong distribution and SCM
  • Low to moderately priced
  • Over 83,000 ERP customers
  • Strong SMB/mid-market solution
  • Very strong partner channel
  • Only sold through VAR channel
  • Multiple ERP products
  • ERP road map questionable
  • Solutions often vary by global region
  • MS/.Net/SQL technology
  • Low to moderately priced
  • Over 37,000 application customers
  • Claim #1 CRM market share leader
  • #2 ERP market share leader
  • 30 year proven credibility
  • New SOA architecture
  • Deep software functionality
  • Outrageous flexibility
  • Technology is the Oracle stack
  • Priced at the high end
  • More than 35,000 customers, 120 countries
  • Claim #1 CRM market share leader
  • Built the client/server ERP market
  • Definite #1 ERP market share leader
  • Very impressive distribution/SCM
  • Several industry solutions
  • Netweaver, SQL and a chasm of technologies
  • Priced at the high end

Enterprise Resource Planning Software Leaders by Market Segment

For an additional market segmentation perceptive, the below summary points illustrate how the Top 5 ERP systems best line up with the small business, middle and enterprise customer market segments.

Epicor offers strong ERP software functionality along with several impressive Industry solutions for Professional Services Automation (PSA), financial services, hospitality management, retail, distribution, manufacturing, pharma and not for profit. In a late 2007 analyst release report, Epicor was recognized by Aberdeen as achieving the lowest TCO (Total Cost of Ownership) and total per user cost of software, services and maintenance for mid-size companies. In fact, the Epicor ERP solution came in at less than 50% of competing ERP products. We find the company’s channel strategy questionable which may necessitate more review for international buyers.

Infor is the mega company that surprising few ERP software buyers are aware of. Largely based on an aggressive acquisition and roll-up strategy, Infor is the third largest ERP manufacturer – behind only SAP and Oracle. Infor is a vertically oriented software publisher with several different ERP software systems and particularly strong distribution, supply chain management (SCM), lean manufacturing, complex manufacturing and process manufacturing solutions.

SAP is the largest and most recognized Fortune 1000, Global 5000 and enterprise market share leader. The company has achieved its success due to its extremely deep accounting and distribution software suites along with tightly integrated financials, manufacturing, human resource, payroll and customer relationship management software systems. While the company claims that its retains significant middle market share, its definition of ‘middle market’ is more in lines with other definition of the enterprise market.

Oracle is the world’s second largest business applications maker – and is clearly out to take the lead role from SAP. Bolstered by its acquisitions of PeopleSoft (with JD Edwards) and Siebel Systems, Oracle has collected an impressive customer list and portfolio of intellectual property. Now the real work to keep those customers and integrate those products (project Fusion) is underway with results expected very soon. Expect several more acquisition and integration project announcements from Oracle over the coming months.

The ERP Evolution Continues

The ERP systems evolution is taking an unusual turn. For those that may remember, ERP applications were originally introduced as mainframe and host-based monolithic applications in the 1970’s and 1980’s. McCormack and Dodge and MSA (Management Sciences America) were fierce competitors and between them owned the lions share of the ERP software market. The two rivals ultimately merged to become Dun Bradstreet Software. Following the merger of the number one and number two market share leaders, Dun Bradstreet Software believed itself to be an unstoppable ERP application titan, however, was soon thereafter completely replaced by the introduction of client/server applications and later sold to Geac for a marginal fee valued largely on existing customer software maintenance contracts.

Starting in November 1992, the client/server ERP applications began appearing from no-name or lesser name software manufacturers such as Platinum Software, PeopleSoft, Oracle Financials, Baan and SAP. These distributed software and GUI interfaced applications grew at the expense of the mainframe ERP systems. Midrange systems such as the AS/400 continued to survive, however, their growth days were clearly over. The most notable of the client/server ERP players – SAP and Oracle Financials – stand alone as today’s ERP application market share leaders. However, now they too are threatened by new technology paradigms from software as a service (SaaS) competitors and open source software.

At the turn of the century, SaaS ERP systems were introduced as a new pricing and systems management alternative to client/server systems. While originally weak in software depth and scalability, leading ERP systems such as Aplicor, Intacct and NetSuite have evolved to deliver functionally equivalent ERP applications, however, with the advertised advantages of the SaaS delivery model (e.g. subscription pricing, hosted delivery, fewer internal IT resources, etc.). These leading SaaS ERP applications are clearly replacing the middle market client/server ERP systems (most notably the Microsoft ERP products of Great Plains, Solomon, Navision and Axapta) in many situations, however, are not yet mature enough to take on the industry giants Oracle or SAP.

Open Source ERP has yet to prove itself as a replacement to commercial ERP applications. While open source ERP applications are clearly growing, they are more often than not used to create first time business systems for young companies or replace antiquated custom built ERP applications with new custom built ERP applications this time built on open source technology.

While Microsoft, Oracle and SAP would be wise to reference the then seemingly unstoppable power of their Dun Bradstreet Software predecessor, they appear to instead exhibit a similar behavior to Dun Bradstreet. All three have scoffed at the SaaS delivery model and mocked the open source initiative. While they are now finally showing some interest, that interests appears to belittle more than dipping their toe in the water and their strategies appear to be more of a defensive tactic designed to slow down the market share loss of their customer base to these new ERP models. We suspect there will be a turning point where protection of their self interests will prove futile and these industry heavyweights will embrace at least the SaaS model and possibly show some substantive interests in the open source model.

ERPsoftware360.com delivers a 360 degree view of the Enterprise Resource Planning software market


CollegeData: College Search, Financial Aid, College Application, College Scholarship, Student Loan, FAFSA


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College Match

College Chances

Admissions Tracker

Financial Aid Tracker

Scholarship Finder

Net Price Calculator

EFC Calculator

Compare Your Financial Aid

Common App Grid

Universal College App Grid

Opening Your First Checking Account

Dates and Deadlines

  • JANUARY 1, 2015 First date to submit FAFSA for 2015-16 school year
  • JANUARY 9 Registration deadline for February 7 ACT (not in NY)
  • JANUARY 24 SAT Subject Tests test date
  • FEBRUARY 7 ACT test date (not in NY)
  • FEBRUARY 13 Registration deadline for March 14 SAT
  • MARCH 13 Registration deadline for April 18 ACT
  • MARCH 14 SAT test date
  • APRIL 6 Registration deadline for May 2 SAT Subject Tests
  • APRIL 18 ACT test date
  • MAY 2 SAT Subject Tests test date
  • MAY 4-8 AP Exams
  • MAY 8

Registration deadline for June 6 SAT Subject Tests

Registration deadline for June 13 ACT

  • MAY 11-15 AP Exams
  • JUNE 6 SAT Subject Tests test date
  • JUNE 13 ACT test date
  • JUNE 30 Last date to submit FAFSA for federal aid for 2014-15 school year
  • AUGUST 7 Registration deadline for September 12 ACT
  • SEPTEMBER 3 Registration deadline for October 3 SAT & SAT Subject Tests
  • SEPTEMBER 12 ACT test date
  • SEPTEMBER 15 Last date to submit FAFSA corrections for federal aid for 2014-15 school year
  • SEPTEMBER 18 Registration deadline for October 24 ACT
  • OCTOBER 3 SAT & SAT Subject Tests test date
  • OCTOBER 9 Registration deadline for November 7 SAT & SAT Subject Tests
  • OCTOBER 14 PSAT test date
    (redesigned PSAT)
  • OCTOBER 24 ACT test date
  • OCTOBER 28 PSAT test date
  • NOVEMBER 5 Registration deadline for December 5 SAT & SAT Subject Tests
  • NOVEMBER 6 Registration deadline for December 12 ACT
  • NOVEMBER 7 SAT & SAT Subject Tests test date
  • DECEMBER 5 SAT & SAT Subject Tests test date
  • DECEMBER 12 ACT test date
  • DECEMBER 28 Registration deadline for January 23 SAT & SAT Subject Tests
  • JANUARY 1, 2016 First date to submit FAFSA for 2016-17 school year
  • JANUARY 8 Registration deadline for February 6 ACT
  • JANUARY 23 SAT & SAT Subject Tests test date
  • FEBRUARY 5, 2016 Registration deadline for March 5 SAT
  • FEBRUARY 6 ACT test date (not in NY)
  • MARCH 4, 2016 Registration deadline for April 9 ACT
  • MARCH 5 SAT test date
    (first test date for redesigned SAT)
  • APRIL 8, 2016 Registration deadline for May 7 SAT & SAT Subject Tests
  • APRIL 9 ACT test date
  • MAY 2-6, 2016 AP Exams
  • MAY 5 Registration deadline for June 4 SAT & SAT Subject Tests
  • MAY 6 Registration deadline for June 11 ACT
  • MAY 7 SAT & SAT Subject Tests test date
  • MAY 9-13 AP Exams
  • JUNE 4, 2016 SAT & SAT Subject Tests test date
  • JUNE 11 ACT test date
  • JUNE 30 Last date to submit FAFSA for federal aid for 2015-16 school year
  • AUGUST 7, 2016 Registration deadline for September 10 ACT
  • SEPTEMBER 1, 2016 Registration deadline for October 1 SAT & SAT Subject Tests
  • SEPTEMBER 10 ACT test date
  • SEPTEMBER 16 Registration deadline for October 22 ACT
  • SEPTEMBER 17 Last date to submit FAFSA corrections for federal aid for 2015-16 school year
  • OCTOBER 1, 2016 First date to submit FAFSA for 2017-18 school year
  • OCTOBER 1 SAT & SAT Subject Tests test date
  • OCTOBER 7 Registration deadline for November 5 SAT & SAT Subject Tests
  • OCTOBER 15 PSAT/NMSQT test date
    (check with your school)
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    (check with your school)
  • OCTOBER 22 ACT test date
  • NOVEMBER 2, 2016 PSAT/NMSQT test date
    (check with your school)
  • NOVEMBER 3 Registration deadline for December 3 SAT & SAT Subject Tests
  • NOVEMBER 4 Registration deadline for December 10 ACT
  • NOVEMBER 5 SAT & SAT Subject Tests test date
  • DECEMBER 3, 2016 SAT & SAT Subject Tests test date
  • DECEMBER 10 ACT test date
  • DECEMBER 21 Registration deadline for January 21 SAT & SAT Subject Tests
  • JANUARY 13, 2017 Registration deadline for February 11 ACT
  • JANUARY 21 SAT & SAT Subject Tests test date
  • FEBRUARY 10, 2017 Registration deadline for March 11 SAT
  • FEBRUARY 11 ACT test date (not in NY)
  • MARCH 3, 2017 Registration deadline for April 8 ACT
  • MARCH 11 SAT test date
  • APRIL 7, 2017 Registration deadline for May 6 SAT
  • APRIL 8 ACT test date
  • MAY 1-5, 2017 AP Exams
  • MAY 5 Registration deadline for June 10 ACT
  • MAY 6 SAT & SAT Subject Tests test date
  • MAY 8-12 AP Exams
  • MAY 9 Registration deadline for June 3 SAT & SAT Subject Tests
  • JUNE 3, 2017 SAT & SAT Subject Tests test date
  • JUNE 10 ACT test date
  • JUNE 30 Last date to submit FAFSA for federal aid for 2016-17 school year
  • AUGUST 26, 2017 SAT & SAT Subject Tests test date
  • SEPTEMBER 9, 2017 ACT test date
  • SEPTEMBER 23 Last date to submit FAFSA corrections for federal aid for 2016-17 school year
  • OCTOBER 1, 2017 First date to submit FAFSA for 2018-19 school year
  • OCTOBER 7 SAT & SAT Subject Tests test date
  • OCTOBER 28 ACT test date
  • NOVEMBER 4, 2017 SAT & SAT Subject Tests test date
  • DECEMBER 2, 2017 SAT & SAT Subject Tests test date
  • DECEMBER 9 ACT test date
  • FEBRUARY 10, 2018 ACT test date (not in NY)
  • MARCH 10, 2018 SAT test date
  • APRIL 14, 2018 ACT test date
  • MAY 5, 2018 SAT & SAT Subject Tests test date
  • JUNE 2, 2018 SAT & SAT Subject Tests test date
  • JUNE 9 ACT test date
  • JUNE 30 Last date to submit FAFSA for federal aid for 2017-18 school year
  • AUGUST 25, 2018 SAT & SAT Subject Tests test date
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    Too Much Debt For A Mortgage? #dave #ramsey #financial #advisor #recommendation


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    Too Much Debt For a Mortgage?

    Your debt-to-income ratio is a personal finance measure that compares the amount of money that you earn to the amount of money that you owe to your creditors. For most people, this number comes into play when they are trying to line up the financing to purchase a home, as it is used to determine mortgage affordability. (For more information, see Mortgages: How Much Can You Afford? )

    Once financing has been obtained, few homeowners give the debt-to-income ratio much further thought, but perhaps they should. In this article, we will show you how this powerful ratio is used.

    Calculating Debt-to-Income

    Calculating your debt-to-income ratio isn’t hard and it doesn’t cost a dime. There are two main ways to calculate this depending on the debts included in the calculation.

    The less strenuous way to measure this ratio is to compare all housing debts, which includes your mortgage expense, home insurance, taxes and any other housing-related expenses. Once you have the total housing expense calculated, divide it by the amount of your gross monthly income.

    For example, if you earn $2,000 per month and have a mortgage expense of $400, taxes of $200 and insurance expenses of $150, your debt-to-income ratio is 37.5%.

    The more encompassing measure is to include the total amount of money that you spend each month servicing debt. This includes all recurring debt, such as mortgages, car loans, child support payments and credit card payments.

    When calculating this ratio, don’t count monthly expenses such as food, entertainment and utilities.

    Gross Versus Net Income

    For lending purposes, the debt-to-income calculation is always based on gross income. Gross income is a before-tax calculation. As we all know, we do get taxed, so we don’t get to keep all of our gross income (in most cases). Because you can’t spend money that you never receive, the result is a somewhat aggressive picture of your spending ability.

    Consider the $2,000 per month gross monthly earnings example. After taxes at 2008 annual tax rates that imposed a flat rate of $802.50 plus 15% of the amount over $8,025, that $2,000 per is reduced to about $1,708 or less (depending on retirement plan contributions and other factors).

    Despite the original debt-to-income calculation, you can’t pay your bills with gross income, and the net income (take-home pay) is less than the number used in the calculation. That’s nearly $300 that was used to help determine your spending ability but that won’t actually be there to work with when it comes time to pay your bills.

    Don’t forget that, if you are in a higher income bracket, the percentage of your net income lost to taxes will be even higher. Regardless of your tax bracket, you’ll almost certainly be better served by a more conservative approach to your debt-to-income ratio calculation. For anything other than loan eligibility, consider basing your calculations on net income rather than gross income. Using the net number provides a much more realistic picture of your ability to spend.

    Good and Bad Numbers

    Your debt-to-income ratio tells you a lot about the state of your financial health. Lower numbers are indicative of a better scenario because less debt is generally viewed as a good thing. After all, if you don’t have debts to service, you will have more money for other things. From exotic vacations to saving for retirement, most people can think of a million ways to spend a few extra dollars. Unfortunately, a high debt-to-income ratio often means that there aren’t many extra dollars left at the end of the month.

    So, what is a good ratio? Traditional lenders generally prefer a 36% debt-to-income ratio, with no more than 28% of that debt dedicated toward servicing the mortgage on your house. A debt-to-income ratio of 37-40% is often viewed as an upper limit, although some lenders will permit ratios in that range or higher. However, although lenders may be willing to give you the loan, that doesn’t mean that you should take it.

    Keep in mind that an increasing number of people are in the 41-49% range, a zone where financial trouble is imminent. Nearly all experts agree that a debt-to-income ratio above 50% is living dangerously. For many people, the best ratio is as close to 0% as possible, a number that represents debt-free living. While everyone has bills to pay and most of us have at least some recurring debt, unless your income source is unlimited and guaranteed, a lower debt-to-income ratio is almost always better than a higher ratio. (For more insight, see Are You Living Too Close To The Edge? )

    An Equalizer
    Monitoring your debt-to-income ratio is a great way to keep tabs on your expenses and your buying power. Regardless of whether you earn $25,000 a year, $100,000 a year, or $1 million a year, your debt-to-income ratio provides a snapshot of your spending habits. It’s possible to have a small income yet, courtesy of good spending habits, have a low debt-to-income ratio. It’s also possible to have a high income but poor spending habits, resulting in a high debt-to-income ratio. In the end, it’s not how much you earn but how much you spend that makes all the difference.

    Conclusion
    Keep in mind that the more you add in debts, either through housing or recurring debts, the higher your ratio will be. The higher your ratio, the more likely you are to be in financial danger. To make sure you’re on the path to financial freedom, you can calculate this ratio each quarter to keep your finances moving in the right direction.

    If your debt-to-income ratio doesn’t paint the picture of economic health that you’d prefer to see, you’ll need to take steps to improve the picture. To find out how to move in the right direction, read The Indiana Jones Guide to Getting Ahead . Get Your Finances In Order and Three Simple Steps To Building Wealth .


    Julian Harris Independent Financial and Mortgage Adviser Network #independent #financial #adviser, #financial


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    Julian Harris Financial Consultants and Julian Harris Mortgages Ltd have over 24 years of experience in providing highly competitive, professional and completely independent network adviser services, authorised and regulated by the Financial Conduct Authority.

    Our Independent Adviser Network

    One of our main services is providing a route for Financial and Mortgage Advisers to be authorised in giving regulated pensions, investments, mortgages and associated insurances advice. We offer a more comprehensive regulatory and consultancy service than our main competitors in this industry. With over 150 members in our network (80% increase within 2009!), this makes us by far the largest and fastest growing adviser network based in Kent.

    Our qualified and authorised IFAs and Mortgage Advisers pride themselves on their experience and ability to provide independent and impartial advice upon the whole market place to clients on their investment, mortgage, general insurance and protection requirements.

    Protection Comparison

    General Insurance Comparison

    Commercial Insurance Comparison

    Specialist Lending and Packaging Service

    More info on joining our network More info on investments, Mortgages and Protection and General Insurance Download our brochure

    Julian Harris Financial Consultants are Independent Financial Advisers. Julian Harris Mortgages Limited (Co No. 3927189) are whole of market Mortgage Advisers, both of Julian Harris House, Musgrove, Ashford, Kent. TN23 7UN.

    Both firms are authorised regulated by the Financial Conduct Authority. FCA Nos. 153566 304155 respectively.

    The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients . Full details of the FOS can be found on its website atwww.financial-ombudsman.org.uk .


    Online services #online #financial #freedom


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    Online services

    ASIC’s online services can help you lodge documents or make changes online.

    Register for online access

    You need to register for online access and create an account before you can lodge online. We have online services for:

    If you have more than one role, you will need a different account for each (e.g. if you are a company officeholder and business name holder, you will need two accounts).

    Search ASIC’s registers

    You can access a range of information and products through our registers. You can also buy extracts of the data and other search products.

    Service availability

    We sometimes have service interruptions so we can upgrade our systems. Our ‘Service availability’ page has details about any outages or service interruptions.

    Alerts

    You can sign up to receive an alert when a company lodges a document. You’ll receive an email from our automated system when a company tells us about changes.

    You can also sign up to receive an alert when ASIC publishes a media release or when there are changes to ASIC policy .

    Online keys

    Before you can update your details online, you’ll need to have your unique ‘key’. This is so only authorised people can review and change your business details.

    Lodging paper forms

    Not all forms and documents can be lodged online. Visit our Forms page to see the specific lodgement details for each form. Our Lodging paper forms page has more information on how to complete paper forms.

    Application Programming Interfaces (APIs) for software developers

    ASIC APIs give developers an easy way to integrate ASIC Registry interactions (company and business name registration for example) with third party software to create web and mobile services.

    ASIC customers can then use these to transact with ASIC.

    Business name holders can use our online services to manage all aspects of their business name registration. An authorised lodger can submit information on behalf of business name holders and use our online services to update details.

    Business name holders and authorised lodgers

    Company directors can use our online services to download company and invoice statements, lodge changes to company details and more.

    Company officeholders

    A registered agent who manages a company can use our online services to update details.

    Registered agents for companies

    Self-managed superannuation fund (SMSF) auditors can use our online services to manage all aspects of their SMSF auditor registration


    How to Rebuild Your Credit After Bankruptcy – Fast #credit #score,credit #cards,bankruptcy,rebuild


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    How to Rebuild Your Credit After Bankruptcy — Fast

    It’s about as popular as a root canal or a blown tire on the freeway. Yet like both of those dreaded occurrences, filing for bankruptcy is commonplace in modern America. In 2013 1,107,699 individuals and businesses in the U.S. had to file for bankruptcy according to government data. While it’s pretty safe to say that not many of the folks who filed for Chapter 7 or Chapter 13 bankruptcy were eager to do it, it’s worth remembering that bankruptcy is by no means a financial death sentence.

    After all, bankruptcy protection is designed to provide people and companies with a way to discharge at least some of their debts and start over. And one of the very first steps to reboot your financial life involves rebuilding your credit score.

    How Bankruptcy Affects Your Credit Score

    There’s no sugarcoating the fact that any individual who has to file for bankruptcy is going to see a negative impact on their credit score. This matters because lenders rely on credit scores – which typically range from 300 on the low end to a maximum of 850 – to determine whether or not to offer you a mortgage or car loan and, if they do, at what interest rate. Put another way, a credit score is a quick way for lenders to decide how risky it is to loan you money.

    Not surprisingly, a bankruptcy — which, by definition, allows someone to not repay all of their debts — hammers your credit score. How much it hurts depends on where you started. According to the Fair Isaac Corporation, which is better known as FICO and the best-known company that calculates credit scores, someone with a stellar score of 780 would see their rating plummet to between 540 and 560 after declaring bankruptcy. A person with a starting score of around 680 can expect to drop between 150 and 180 points, to between 500 and 530, after a bankruptcy. You can take a look at the credit profiles of the two people used in the FICO example here.

    What does this all mean? In short, bankruptcy is a major red flag to lenders, a fact that is reflected in your credit score. In April of 2014 FICO reported that its median score was 711. Scores of 550 or lower are considered “deep subprime” by lenders and carry with them high interest rates – if you can get a loan at all.

    Rebuilding Your Credit to Improve your Financial Health

    Fortunately, a bankruptcy is by no means game over for your financial life. There are steps you can take to begin rebuilding your credit and, eventually, your overall financial health. “Bankruptcy is a very difficult and emotional time since there are severe consequences, but it also represents a chance to “start over” from a financial sense,” says Bill Harddekopf. CEO at LowCards.com.

    According to Hardekopf, the road back to financial well being starts with rebuilding your credit score. “One of the first things to do is to get a free copy of your credit report, which you are able to do once a year from each of the three major credit reporting agencies. Check this for errors. Make sure you also determine your FICO credit score and work diligently to build up this score each month.”

    Raising your score, says Hardekopf, is all about getting back to basics. “Pay your bills on time. Don’t spend more than you can afford. Get a credit card that reports to the credit reporting agencies and pay off the entire balance each month so you don’t incur any interest charges–this will help slowly build your credit score.”

    Gerri Detweiler, author of Debt Collection Answers. How to Use Debt Collection Laws to Protect Your Rights, counsels that it’s important to avoid the urge to steer clear from credit after a bankruptcy. “Unfortunately, many people avoid credit afterward, which is understandable, but doesn’t help the situation,” she says. Instead, Detweiler says to focus on responsibly repaying any loans — such as a car or student loan — that may have survived bankruptcy. “Continue to pay them on time. You may also want to get a secured credit card. Use it for one purchase a month (your cell phone bill for example) and pay it off right away, and it will provide a valuable credit reference,” she says. “I’ve seen consumers boost their credit scores by 50-75 points or more in one or two years using this approach.”

    Ways to Improve Your Credit After a Bankruptcy: A Checklist

    As both Detweiler and Hardekopf make clear, being proactive about rebuilding your credit score after a bankruptcy is a must. Here are some other ways to take an active role in reinvigorating your financial health post-bankruptcy:

    Know your credit score — Many people put this one off, because it can be painful. You know your credit score is low so does it really matter how low? Yes, it does. Get a copy of your credit report and know your score. Review it for any inaccuracies and make note of your debts. Only then can you come up with a plan to pay off your debts and improve your credit. WisePiggy.com is a great resource to get your score truly for free (without having to enter your credit card number).

    Open a new bank account — Opening a new checking and savings account will demonstrate financial stability. It can also give you a fresh slate to practice good financial habits. When you open your account, talk to the banker about signing up for automatic online bill pay. This will ensure that your bills are paid on time, which is a major factor in good credit.

    Apply for a secured credit card — If big credit card bills led to your bankruptcy, you may feel like this is a terrible idea. Why go down that path again? The best answer is that secured credit cards are one of the easiest ways to build credit and improve credit scores. Compare interest rates of different cards, so you can select a card with the best rate and a low annual fee. A rate around 15% is good and an annual fee less than $30 is desirable.

    Get a gas card or a retail card — Gas and retail credit cards will also improve your credit. If you drive a car, you will have to purchase gas. You should make those purchases work for you. Gas and retail cards typically don’t require applicants to have good credit and, in fact, cater to folks with blemished credit.

    Pay off your balance in full every month — While you are reestablishing your credit, it’s critical to pay off your full balance every month. This demonstrates to creditors that you are not a risk. Timely payments also have a significant impact on your credit score.

    Continue to monitor your credit score — Check your credit score regularly (monthly is ideal) while you are actively improving your credit. Watching that number go up can make you feel like your hard work is really paying off.

    Finally, it’s also important to remember to be patient throughout this process. A bankruptcy can impact your credit for as long as 10 years. But the more active a role you take and the sooner you get started, the quicker you can bounce back from bankruptcy. The bottom line is avoid a bankruptcy if at all possible, but if you have to file, then know there is hope. Good luck and please share any tips or feedback you might have below!

    Curtis Arnold, a nationally recognized consumer advocate, is the founder of BestPrepaidDebitCards.com. which provides ratings of prepaid cards and secured credit cards. He also founded CardRatings.com almost 20 years ago.

    10 Best Cities To Get Rich


    Ogorek Wealth Management LLC #financial #advisor,performance,reviews,feedbacks,contact #information,ogorek #wealth #management #llc


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    Ogorek Wealth Management LLC

    Financial advisors use their knowledge of investments, tax laws, and insurance to recommend financial options to individuals. The SEC typically regulates investment advisers that have assets under management in excess of $25,000,000. Investment advisers that do not meet this threshold generally are regulated by the states. The SEC registers IA firms but does not separately register individual representatives of IA firms. The states register IA firms, and many separately register individual investment adviser representatives. Currently, you can only search for IA firms on this website. In the future, this website also will provide the ability to search for individual investment adviser representatives. In 1996 Congress amended the Investment Advisers Act of 1940 to require that the SEC establish a readily accessible electronic process to respond to public inquiries about investment advisers and their disciplinary information. The SEC created this website to satisfy Congress? mandate.

    Refer to the following references to for additional information before selecting your Financial Advisor

    IARD Investment Adviser Registration Depository
    Investment Adviser Search Search for an Investment Adviser Firm
    U.S. Department of Labor: Financial Advisors Bureau of Labor Statistics: Financial Advisors
    FINRA Financial Industry Regulatory Authority
    AAFM American Academy of Financial Management
    CFP Certified Financial Planner Board of Standards
    FPA Financial Planning Association

    Opportunities

    Explore Investment Opportunities

    Build portfolios using Macroaxis predefined set of investing ideas. Many of Macroaxis investing ideas can easily outperform a given market. Ideas can also be optimized per your risk profile before portfolio origination is invoked.


    Home, Millfield Osceola Financial Consultancy Limited, financial consultancy services.#Financial #consultancy #services


    #

    financial consultancy services

    Financial consultancy services

    Financial consultancy services Financial consultancy services

    Financial consultancy servicesFinancial consultancy servicesFinancial consultancy services

    Thanks for dropping by. We hope you enjoy looking at our website and feel that you are able to ask us to help with your financial needs.

    Millfield Osceola Financial Consultancy Limited was established in 1997 and is a leading provider of professional and independent financial advice countrywide. We have collective experience of over 100 years in financial services.

    Our success is based on providing clients with effective financial planning, focusing on the provision of practical solutions for your current and future requirements.

    The advice is purely independent and free from any restrictions allowing you, the client, to receive quotes from the whole of market to provide you with the best possible service, performance and value for money.

    Our Team comprises of seasoned professionals whose focus is ensuring that clients maintain and grow their financial wealth & protect their assets.

    These are just some of the areas we can advise you on, please talk to us about your requirements.

    Life Assurance

    Investments

    Personal Pensions

    Corporate Pensions

    Employee Benefits

    Mortgages

    Long Term Care

    Equity Release

    Tax Planning

    Millfield Osceola Financial Consultancy Ltd is an appointed representative of Business & Personal Investment Limited, BPI House (Unit L) Bourne End Business Park, Cores End Road, Bourne End, Bucks, SL8 5AS, which is authorised and regulated by the Financial Conduct Authority (http://www.fsa.gov.uk/register/home.do). Business & Personal Investment Limited’s Financial Services Register number is 425865.

    Please read our Privacy Statement before completing any enquiry form or before sending an email to us.

    Millfield Osceola Financial Consultancy Ltd, Registered Address: 38-40 Station Road, Twyford, Reading, Berks, RG10 9NT. Registered in England & Wales, No. 04340642

    Neither Millfield Osceola Financial Consultancy Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

    The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

    The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.


    Federal Student Aid, financial aid for military spouses in college.#Financial #aid #for


    #

    Education

    Financial aid for military spouses in college Financial aid for military spouses in college Financial aid for military spouses in college Financial aid for military spouses in college Financial aid for military spouses in college Financial aid for military spouses in college

    Financial aid for military spouses in college

    The federal government offers several Financial Student Aid Programs. These programs offer you extremely low interest loans and grants (free money). Unlike the GI Bill, these programs are paid by the Dept. of Education through the school; however, like the GI Bill, Federal Student Aid is designed to assist you in meeting the cost of tuition, books, fees, and living expenses while you go to school. That means that once the school has taken its share, the remaining loan or grant balance goes to you.

    Financial Student Aid Eligibility

    It doesn’t matter whether you are active duty, reserve, veteran, retiree, on GI Bill, or not — you should be taking advantage of these programs. There are numerous examples of even senior active duty members receiving federal loans and large grants. Remember: Grants are gifts that you don’t repay!

    Eligibility for most federal student aid is based on financial need and on several other factors. The most basic eligibility requirements to receive federal student aid are as follows:

    • You must be a U.S. citizen or an eligible noncitizen,
    • You must have a valid Social Security number,
    • You must register (if you haven’t already) with the Selective Service, if you’re a male between the ages of 18 and 25,
    • You must maintain satisfactory academic progress (defined as having at least a 2.0 GPA and being on track to graduate within 150% of the normal timeframe) in college or career school, and
    • You must show you’re qualified to obtain a postsecondary education by:
      • having a high school diploma or General Educational Development (GED) certificate;
      • meeting other federally approved standards your state establishes; or
      • completing a high school education in a home school setting approved under state law.

    Readmission Requirements: Was your college enrollment interrupted when you were called to active duty? For information on returning to the college you previously attended, see the Dept. of Education Q A website for guidance on approaching your school when you re ready to reenroll.

    Applying for FSA

    Applying for federal student aid is quicker and easier than ever. You can complete the Free Application for Federal Student Aid (FAFSA) at https://fafsa.ed.gov.

    Money Saving Tip: FAFSA is a Free Application for Federal Student Aid; however there are some websites that offer to complete the FAFSA for you, for upwards of $50. The FAFSA form only takes a relatively short time to complete. It is worth your time to complete it yourself.

    Every accredited school that is recognized by the Education Department will be eligible for some form of FSA. The school’s you select will send you information on how to get the funding you need to reach your education goals.

    Available Loans and Grants

    The following table gives you a quick breakdown on some of the types of loans and grants, applications, current interest rates and monetary limits:


    Paralegal Diploma At Unisa #diploma #in #financial #planning,diploma #in #law,paralegal #diploma,pretoria #branch


    #

    Paralegal Diploma At Unisa

    SOUTH AFRICAN School Of Paralegal Studies 2005
    Die Senior ParalegalDiploma stel my in staat om ook bystand te kan bied met ander aspek-te van sy professie, aangesien dit my met meer kennis en Insurance Law through UNISA. as well as the ACSL (Cer-tificate in Advanced Corporate Law and Securities Law).

    CONTRIBUTORS TO THIS EDITION
    The SACP. Sdumo, who has a paralegal background, is a strong negotiator with developed conflict management and dispute skills. and a Higher Education Diploma Literature from UNISA. Her interest in the relationship between language

    Corporate Social Investment
    Bianca Oelofse and Elsje Van Der Mescht, both 1st year paralegaldiploma students from the Pretoria branch posted above average results. Unisa and will mentor Paulus in establishing his business. The One Great Business Idea 2010

    FACULTY OF LAW Welcome To The University Of Namibia / UNAM
    G.8 Awarding of the DiplomaParalegal Studies (UNISA ); LL M (Utrecht-Netherlands) Associate Professor: Prof N Horn: B Proc (Univ. Johannesburg); LL M (UNISA ); B Th (Hons) (UNISA ); MA (Nelson Mandela Metropolitan University

    Full Page Fax Print Unisa Online
    National Diploma. Correctional Services Management New Curriculum From 2010 (NDCSM please go to the Unisa website Paralegal Studies Should be taken together with or follow on SCL1501 and ILW1501

    ESTATE PLANNING SERVICES
    In Business Leadership from UNISA and a reputation postgraduate diploma in financial planning (specialising holds an Advanced Diploma in Tax Law from UCT and a Paralegal Short Course in Property Law and Deceased Estates.

    Faculty Of Law Undergrad U Te I N FO R M T IO N B R OCHU Re
    dIPLOMa COUrSeS Paralegal Studies Labour Law Criminal Justice and Forensic Investigation Corporate Law LLD (Unisa ) Reinecke, MFB BA, LLB (UP) gaSPrOFeSSOre Brincker, E BA, LLB, LLM, LLD (US) (RAU) (tot 30 Mei 2012)

    GENERAL INFORMATION AND REGULATIONS Welcome To The
    * Diploma in Law (Paralegal Studies) * Diploma in Library and Information Science * Diploma in Local Government Studies * Diploma in Midwifery Science * Diploma in Music * Diploma in Natural Resources Management * Diploma in Public Relations * Diploma

    Faculty Of Law TIONAL DIPLOMA STUDIES NDL001IN W ARALEGAL
    The National Diploma in Law (Paralegal Studies) presented by the faculty of law of the University of Johannesburg is a whole qualificationthat focuses on studying the basic principles of law in combination with the skills that a


    Angela Hospice Home Care – Financial Report #hospice #jobs #uk

    #angela hospice

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    • VC FUNDING DEALS: Full access to 63,486+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
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    Angela Hospice Home Care Inc. is a 501(c)3 not-for-profit provider of inpatient and home hospice care, as well grief and bereavement counseling. Angela Hospice Home Care Inc. operates the 32-room Angela Hospice Care Center at its headquarters in Livonia, Michigan. Angela Hospice Home Care Inc. was founded in 1985 by Sister Mary Giovanni and is operated by the Felician Sisters.

    • Woman Owned
    • Home Health Care
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    • Religious, Non-Profit & Social Organizations
    • VC FUNDING DEALS: Full access to 63,486+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
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    PrivCo’s Data Sourcing Methodology

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    Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

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    Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.





    Paralegal Diploma At Unisa #diploma #in #financial #planning,diploma #in #law,paralegal #diploma,pretoria #branch


    #

    Paralegal Diploma At Unisa

    SOUTH AFRICAN School Of Paralegal Studies 2005
    Die Senior ParalegalDiploma stel my in staat om ook bystand te kan bied met ander aspek-te van sy professie, aangesien dit my met meer kennis en Insurance Law through UNISA. as well as the ACSL (Cer-tificate in Advanced Corporate Law and Securities Law).

    CONTRIBUTORS TO THIS EDITION
    The SACP. Sdumo, who has a paralegal background, is a strong negotiator with developed conflict management and dispute skills. and a Higher Education Diploma Literature from UNISA. Her interest in the relationship between language

    Corporate Social Investment
    Bianca Oelofse and Elsje Van Der Mescht, both 1st year paralegaldiploma students from the Pretoria branch posted above average results. Unisa and will mentor Paulus in establishing his business. The One Great Business Idea 2010

    FACULTY OF LAW Welcome To The University Of Namibia / UNAM
    G.8 Awarding of the DiplomaParalegal Studies (UNISA ); LL M (Utrecht-Netherlands) Associate Professor: Prof N Horn: B Proc (Univ. Johannesburg); LL M (UNISA ); B Th (Hons) (UNISA ); MA (Nelson Mandela Metropolitan University

    Full Page Fax Print Unisa Online
    National Diploma. Correctional Services Management New Curriculum From 2010 (NDCSM please go to the Unisa website Paralegal Studies Should be taken together with or follow on SCL1501 and ILW1501

    ESTATE PLANNING SERVICES
    In Business Leadership from UNISA and a reputation postgraduate diploma in financial planning (specialising holds an Advanced Diploma in Tax Law from UCT and a Paralegal Short Course in Property Law and Deceased Estates.

    Faculty Of Law Undergrad U Te I N FO R M T IO N B R OCHU Re
    dIPLOMa COUrSeS Paralegal Studies Labour Law Criminal Justice and Forensic Investigation Corporate Law LLD (Unisa ) Reinecke, MFB BA, LLB (UP) gaSPrOFeSSOre Brincker, E BA, LLB, LLM, LLD (US) (RAU) (tot 30 Mei 2012)

    GENERAL INFORMATION AND REGULATIONS Welcome To The
    * Diploma in Law (Paralegal Studies) * Diploma in Library and Information Science * Diploma in Local Government Studies * Diploma in Midwifery Science * Diploma in Music * Diploma in Natural Resources Management * Diploma in Public Relations * Diploma

    Faculty Of Law TIONAL DIPLOMA STUDIES NDL001IN W ARALEGAL
    The National Diploma in Law (Paralegal Studies) presented by the faculty of law of the University of Johannesburg is a whole qualificationthat focuses on studying the basic principles of law in combination with the skills that a


    Compare the Best Home Insurance – Reviews, Rates – Ratings #home, #home


    #

    Compare the Best Home Insurance

    Reflects Credio s analysis of each company s policy rate offerings across several of the states in which it operates, and across a variety of demographics. A high (green) rating indicates that the company s rates are relatively lower than its competitors .

    Show the top Home Insurance Companies with the highest Affordability Rating

    An HO-2 only covers named risks; though the list tends to be quite long. It does not cover damage from accidental losses. Since typical accidental losses are likely to be relatively small compared to the total value of a home, it might be best to accept the risk and purchase an HO-2 policy. Note that not many companies offer this policy at the present, as HO-3s are far more popular.

    By far the most common policy, it covers a vast array of risks, including fire, wind, theft and vandalism, freezing, and accidental damage. Most companies exclude the following from HO-3s: floods, sewer backups, earthquakes, termites, pets, mold, rot, and explosions. This policy also covers personal property, but only for named perils, and covers the personal property for replacement cost after adjustment for depreciation, not the full replacement cost.

    It is the same as an HO-3 policy, except that it includes replacement cost coverage for personal property and insures personal property against all perils except specifically excluded perils.

    An HO-8 policy typically pays only for damages up to the actual cash value of what is lost, versus allowing the owner to insure for full replacement cost. HO-8 policies are most appropriate for those with older homes, and are intended to consider that older homes often have ornate woodwork and other features that are very expensive to replace. Replacing such features may cost more than the home is actually worth, and HO-8 policies will repair or replace what is damaged.

    Insurance for tenants who are renting.

    Reflects a company s national complaint ratio, as determined by the National Association of Insurance Commissioners (NAIC). A high (green) rating means fewer complaints made against a company. Each year, the NAIC tallies up all the complaints that have been made by customers against a company to their respective state insurance departments. The ratio is then calculated by dividing the number of complaints by the amount of gross premiums written (in millions of dollars) by the company that year.

    Best Home Insurance Companies Sorted by Customer Complaint Rating (out of 5)

    What to Watch for in Home Insurance

    Ratings
    Don’t automatically select one of the most popular or well-known companies. As the comparison shows, the companies with the largest NAIC Market Shares are not necessarily the top-rated options. Bigger does not always mean better.

    Premiums
    Although sample premiums are used to make general comparisons across home insurance companies, don’t base your personal decision exclusively on the sample premiums. Premiums vary tremendously by location, age of the house, construction type, etc. Contact different companies to receive personalized quotes before making your final decision.

    Complaint Ratios
    Avoid companies with high complaint ratios, as this may indicate poor customer service. Each state’s Department of Insurance provides consumers with complaint ratio data for all of the home insurance companies in their state. Before deciding on an insurance company, make sure that it has a low complaint ratio.

    Your List Your List is the collection of listings you have seen or added to compare. Clear

    Add a home insurance company to your list

    Select the “Add to Compare” link located below the tile of any listing to add an item to your list.

    Related Topics On

    Compare Insurance Companies

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    Are online students eligible for financial aid? #how #to #apply #for #financial


    #

    The Online Course Finder

    Arizona State University is a world-renowned online university offering students a wide range of popular online degree programs. ASU provides students with an experienced faculty and resourceful online learning center to help them every step of the way.

    Available Online Courses

    Online Courses
    by Subject Online Courses
    by State

    Are online students eligible for financial aid?

    A driving factor in the increasing popularity of online courses is the cost. Federal financial aid is available to students attending any regionally accredited school, including accredited online programs. To be considered for this federal aid, students need to fill out the Free Application for Federal Student Aid (FAFSA). Most aid is awarded in the form of loans, such as Stafford loans, which can be subsidized or unsubsidized, or Perkins loans. Stafford loans are fixed-rate loans available to all students enrolled at least part-time. In the case of subsidized Stafford loans, the government will make interest payments on your behalf while you are still in school. However, with unsubsidized loans, you will have to make your own interest payments while you are still attending school.

    Perkins loans are low-interest loans offered to students who are enrolled at least part-time and show great financial need. Students with Perkins loans will not need to make payments while they are still in school at least half-time. In addition, federal grants, such as Pell grants, are also available for those who demonstrate financial need. Unlike a loan, grants do not need to be repaid.

    Students enrolled in online courses may also qualify for a number of non-federal student loans, as well as scholarships and grants. In fact, most students who attend online colleges receive some form of financial aid to help fund their education. For example, more than 75% of students at Capella University receive federal financial aid, student loans, and/or scholarships, according to the school s website .

    Even without financial aid, online programs can be less expensive than campus programs. Though the price difference between online and campus-based tuition may seem minimal at first, the difference becomes clear after considering the additional fees associated with campus learning. While online learners only pay for their courses, campus-based learners must often also pay for housing, dining, and parking fees. For instance, out-of-state tuition at the University of Michigan is about $34,937 per year, according to College Navigator. Students must then add on the cost of housing, which is an additional $8,924 on average, as well as a meal plan, which is about another $2,000. This pushes the cost of attendance to about $45,861 for the academic year.

    In addition, dormitories will need to be furnished and those who wish to attend out-of-state schools must factor in the cost of relocating. In the end, attending a campus-based program could end up costing students more than $10,000 on top of tuition. However, do factor in how much Internet service, a computer, and rent would cost as well if you are doing your online class at home, as this could also influence how much your online course will cost.

    Compare that to the base cost of online programs, and it is easy to see why online education is typically considered more affordable, especially if a student can also take advantage of various financial aid options available.

    The Online Course Finder

    Find the perfect course for you in just 3 easy steps


    What Is a Fee-Only Financial Advisor? The Simple Dollar #finding #a #financial


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    What Is a Fee-Only Financial Advisor?

    Make sure a financial planner s interests align with yours.

    If you re looking for a financial planner, one of the first things you ll want to know is how they are paid.

    Financial incentives influence decision-making in even the most critical situations. and your financial planner is no different. How he gets paid can impact the recommendations he makes, and if those recommendations become the foundation of your financial plan you ll want to be sure they re being made with your interests in mind.

    In this post we ll look at the different ways financial planners get paid, and how working with a fee-only financial planner aligns your planner s financial incentives with your financial interests.

    How Does a Financial Planner Make Money?

    There are three main ways:

    Commission-based: These planners get paid when they sell a product, like a mutual fund or life insurance. They may offer advice for free, but they will make their money by selling the products they recommend.

    Fee-only: These planners do not sell any products. Instead, they are paid directly by the client for the advice they give. There are a few different models here. with some planners working under a monthly retainer, some charging for investment management, and others offering hourly services.

    Fee-based: These planners are a combination of the two. They both charge client fees and earn commissions for selling products. It should be noted that fee-based is not the same as fee-only.

    How Fee-Only Benefits You

    I ll be upfront about this: I am a fee-only financial planner and I therefore have a bias toward the fee-only model. But I chose to go that route because I believe it s the best way to align the planner s interests with the client s interests, and therefore to get the best possible outcome for all involved.

    Here are three big reasons why:

    1. Follow the Money

    For a fee-only financial planner, the financial incentive is to satisfy the client. If the client is satisfied with the advice she is receiving, she will continue to pay for it.

    For someone earning commissions, the financial incentive is to sell more expensive products. And since we know that low cost is the single best predictor of future investment returns. those expensive products may not be in your best interest.

    2. The World Is Your Oyster

    A fee-only financial planner is able to recommend any product or solution that helps you reach your goals. There are no limits.

    A commissioned planner is, at the very least, limited to products that will earn him a commission. Many are further limited to the products their specific company sells.

    Would you rather have your financial planner recommend the best solution for your situation, or the best solution that he is able to sell?

    3. Who s on Your Side?

    Many fee-only financial planners chose that path for the same reason I did: They believe it s the best way to align their own interests with their clients interests.

    That certainly doesn t guarantee that they ll provide a quality service, but it s nice to know their heart is in the right place.

    How to Tell If Your Financial Planner Is Fee-Only

    There are a few easy ways to tell:

    You can start by looking at their website. Many will proudly state that they are fee-only on their home page or about page. A good example is Sophia Bera of Gen Y Planning. who explains that she is a Fee-Only CFP ® in the sidebar that shows up on every page of her site.

    Another option is to check their network membership. The XY Planning Network. NAPFA and the Garrett Planning Network are all financial planner organizations that require their members to be fee-only. If your planner is a member of one of those networks, he or she is definitely fee-only.

    You can also use the CFP Board s financial planner search tool. which lists each planner s compensation method and will clearly say fee-only if they meet the definition.

    Finally, you can always ask them directly if they are fee-only. If their answer is anything other than an immediate yes, you will know they re not.

    This Is About Your Life

    In the end, this is about finding the best financial planner for your specific situation. You want someone who is in a position to make the best possible recommendations for the goals you re looking to achieve.

    No single revenue model can guarantee someone will be able to do that. Not all fee-only financial planners are good, and certainly not all commission-based or fee-based planners are bad. It is by no means that black and white.

    But as an initial filter, going fee-only can increase your odds of finding a financial planner who will give you good, objective advice.

    Matt Becker is a fee-only financial planner and the founder of Mom and Dad Money. where he helps new parents build a better financial future for their families. His free book, The New Family Financial Road Map , guides parents through the most important financial decisions that come with starting a family.

    Recommended For You

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    UAB – Information Engineering – Management #engineering, #professional, #masters #degree, #engineering #management,


    #

    Masters of Engineering Management
    Information Engineering Management
    Online Campus

    What to expect from Our Information Engineering Management (IEM) Master s Program:

    Entrepreneurship focus on Engineering IT management
    Invest 2 days a month for 20 months 100% online
    Engineering undergraduate degree not required
    Flexible classes that fit into work and family schedules
    All online student clients pay in-state tuition
    Real-world focus with immediate life/job use
    Faculty comprised of employed industry leaders
    No GRE/GMAT required for admission

    Is IEM right for you? Here’s what we look for:

    Who we are:

    IEM stands for Information Engineering and Management. We are an executive master degree available in house or 100% online. providing an entrepreneurial focus to engineering and technology.

    Why you want a master degree in Information Engineering and Management:

    You will learn how to network effectively, identify your strengths, bolster your weaknesses, and you will gain the technical skills and perspectives you cannot get anywhere else.


    How to Become a Financial Advisor: 6 Steps (with Pictures) #financial #advisor


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    How to Become a Financial Advisor

    Financial advisors provide advice relating to investment strategies, mutual funds, bonds, and stocks, and their knowledge is more necessary than ever as Baby Boomers near retirement. Becoming a financial advisor takes work, but it can be a rewarding experience. There are many different options for getting started as a financial advisor but all of them involve time and effort and a commitment to the business as a long term career.

    Steps Edit

    Decide whether financial advising is right for you. Being a financial advisor can be a rewarding career, but it demands certain skills and can involve grueling hours. While many people think that being a financial advisor is all about mathematics, it actually is very people-centric and your communication skills and ability to help families evaluate their current position and available options are crucial. Technology platforms make the science of investing much easier than in the past, but learning to communicate complex ideas to investors takes time and experience.

    • Some financial advisors start as unpaid interns, so ask yourself if you’re willing to start at the bottom and work up. Additionally, keep in mind that traditional financial advising is a sales position in that you are constantly trying to gather clients and convince them to invest their money. If you don’t handle rejection well, you might want to consider another career. More professional firms will focus on building long term relationships and serving clients over their investing lifetime.

    Get a bachelor’s degree. The vast majority of financial advisors have college degrees – and if you want a professional certification such as a CFP or CFA, having a four-year degree is a requirement for licensing. Your major doesn’t matter as much as demonstrating your willingness to stick with a program and meet deadlines, though degrees in finance, accounting, economics, mathematics and computer science can look good on a financial advisor’s resume.

    Gain some work experience. Look for an internship that can help you get a feel for the business, or take an entry-level job with a bank or brokerage. Gather as much information as you can about what the job entails and the various career paths financial advisors can take.

    Look for a training program. Some large investment companies offer complete training programs for financial advisors, during which they’ll help you accumulate the necessary work experience and prepare you for licensing exams. Such programs are competitive, but worth the work if you can get into them. Remember, the company expects to teach you the rules and regulations, but they can’t force you to care about the job. To get your foot in the door, demonstrate that you’re passionate about being a top-notch financial adviser.

    • Alternatively, start with a small company. Instead of trying to get in with a large investment firm, try starting out with a smaller company. You might not go through the same structured training regimen, but you’ll have opportunities for one-on-one mentoring and be able to broaden your knowledge by performing several different tasks for different clients.

    Get licensed. Having a professional license is required to engage in the business. Anyone who claims to be a financial advisor but isn’t a registered representative with FINRA and/or a Registered Investment Advisor isn’t able to truly help clients with investing. Which license(s) you need will depend on how you choose to build your financial advising career.

    • Become a Certified Financial Planner. Some financial advisors become CFPs. To do so, you must take preparation courses at an accredited college or university, pass a two-day, ten-hour exam, have three years of work experience, and have a four-year college degree. (If you already have a pre-approved professional designation, you can register for the exam without taking the prep courses. People who can waive the education requirement include PhDs in business or economics, attorneys, Certified Public Accountants, Chartered Financial Analyst, and others.) This designation, however, doesn’t actually impact an advisors ability to sell various products but is a professional credential only. In other words, being a CPA is required in order to engage in certain aspects of accounting, whereas a CFP designation doesn’t allow advisors the ability to do any more or less for their clients, but rather just signifies the meeting of certain standards.
    • Become a Chartered Financial Analyst. Becoming a CFA requires mastery of a complicated curriculum and passing three six-hour exams, as well as having a bachelor’s degree and four years of work experience. Some universities provide CFA preparation course, but for most people the preparation is based entirely on self-study; you’ll receive the curriculum when you register for the exam.
    • Become a Registered Investment Advisor. An investment advisor is anyone who receives compensation for providing financial advice. If you manage a portfolio with assets totaling less than $100 million, you’ll register with your state securities agency; if your portfolio is over $100 million, you’ll register with the U.S. Securities and Exchange Commission. RIAs must pass the Series 66 exam, as well as the Series 6 or 7 exam. Alternatively, they may also just pass the series 65 exam.
    • Follow up with continuing education. Some licenses require you to take continuing education examinations every few years, or pay re-licensing fees.

    Be prepared to work hard. Though the rewards of being a financial advisor can be great, the hours can also be long. Particularly when you’re beginning your career, be ready to work demanding shifts. Build your business by showing your clients or your employer that you’re willing to do extra work for incredible results.


    Term life insurance #financial #strategy,retiree, #pre #retiree,applicant,beneficiary,term #life,customer,young,insurance,prospect,mid #career,family #and #home


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    Term life insurance: Protection for your big plans. (And for your littlest ones.)

    Term life insurance is the simplest way to protect loved ones now—and lock in your lowest available rates for a set period of time. As long as you keep your policy active for a set “term” (like 10, 15, or 20 years), it can replace your lost income, tax-free, in the event of your death. Plus, you can add more coverage or upgrade to a permanent policy later.*

    Yearly Convertible Term

    If you’re on a tight budget or unsure what protection you need, starting with a term policy can make sense. Later on, you can renew or upgrade.

    Level Premium Convertible Term

    If consistency appeals, take comfort with a guaranteed rate that won’t go up until your term runs out (or you convert to whole life coverage).

    Our wide range of riders, some at additional cost, offer extra benefits to help you meet your short- and long-term goals.

    You look out for loved ones every day. Term life insurance helps protect their futures, too.

    It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.

    HOW DOES TERM LIFE INSURANCE WORK?

    Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

    In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance. possibly at a lower price than if you’d put off purchasing until you’re older.

    Could a term policy be right for you?

    Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

    Finally, term insurance is a great option for people who need:

    • Coverage for a well-defined period of time
    • Business protection (in the event you’d lose a key employee or business partner)
    • Extra coverage on top of other, permanent life insurance

    READ MORE


    Health Informatics Online Graduate Certificate Program at UMass Lowell #online, #graduate, #informatics,


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    Online Graduate Certificate Program in Health Informatics

    Course Descriptions

    PUBH.5310 Health Informatics

    The course provides healthcare professionals with a conceptual and practical understanding of information and communication systems, and how they are used. It also addresses the systems analysis, development and implementation challenges in optimizing today’s complex healthcare systems designs to improve both use and clinical outcomes. Students learn the theory, techniques and systems used for transforming clinical data into information useful for decision-making. The current and future role of the health care informatics professional is discussed. 3 credits.

    PUBH.6070 Healthcare Information Systems

    This is the introductory, first-recommended course in health informatics. It provides a broad-ranging overview of the healthcare information systems industry, its history, recent developments and continuing challenges, and a practical understanding of healthcare information systems acquisition and implementation. Topics include meaningful use, EMR, CPOE, and health information exchange. 3 credits.

    PUBH.6320 Health Information System Planning

    A course examining contemporary healthcare information system requirements and focusing on the design, implementation, and modification of these systems. Actual or hypothetical health system related projects are used to support the theoretical framework. 3 credits. Prerequisite: CSCE Graduate Restrictions

    PUBH.6330 Healthcare Database Design

    A practical approach to the design, and development of a relational database with an emphasis on healthcare. Analyzing the requirements of the database proceeds to the design of the structure of the relational database, which is then developed in a Relational Database Management System (RDBMS). Microsoft Access is used as the RDBMS platform. 3 credits.

    PUBH.6350 Healthcare Project Management

    A graduate level course providing a comprehensive foundation for project management as it applies to healthcare. Students will be introduced to the theory and concepts of project management, and the tools to manage projects with a specific focus on health information technology. 3 credits.

    PUBH.6380 Strategic Planning in Healthcare and HIT (Health Information Technology)

    A graduate-level course introducing healthcare professionals to strategic planning for the information systems organization. Skills learned in this course will enable the student to work effectively with and support the information systems planning effort and assure business alignment. 3 credits.

    PUBH.6390 Electronic Health Record Systems

    The course addresses Electronic Health Records (EHR) integration with patient care flow, clinical decision making and patient engagement, as well as clinical quality reporting. The students also learn core EHR functions. The course uses industry-leading EHR software as a learning tool to demonstrate how electronic health record technologies are used in a clinical setting. 3 credits.

    Certificate Requirements

    Students enrolled in graduate certificate programs through UMass Lowell must complete all courses indicated in the curriculum outline. Students may complete the certificate program at their own pace by registering for and successfully completing one or more courses each semester, depending upon his/her personal time constraints. Students are required to maintain a minimum grade point average of 3.0 with no more than one course grade below B to receive the certificate.

    Online courses meet 10 to 14 weeks each semester during the Fall, Spring and Summer semesters (see Academic Calendar for details). Online students generally log into their online course website one or more times per week to retrieve lectures and assignments or to participate in a chat session. Online students should expect to spend 6 to 10 hours per week engaged in course-related activities for each course. For more information on online courses, visit our online program home page .

    Certificate Completion

    Once you have completed all courses in a graduate certificate program, please complete and submit via mail or fax the Graduate Certificate Clearance Form to the Registrar’s Office.

    Registration

    The Division of Online & Continuing Education offers courses during the Fall, Spring and Summer semesters. Approximately two months prior to the start of each semester, we post the upcoming semester course schedule on our website. Once you know which course(s) you would like to take, current students can register using SIS Self-Service. while new students, who have not already applied and been accepted into a program, must use the Non-Degree Registration Form.

    You may take courses without being officially enrolled in a certificate or degree program, but you must meet the particular course prerequisites. Registrations are accepted on a first-come, first-served basis. Class size is limited. We recommend that you register early to reserve your place in class.

    If you would like to be notified by email when we post our next semester’s course schedule, click here.

    Tuition

    Please refer to our tuition and fees page for up-to-date pricing information or refer to the Online & Continuing Education Course Bulletin that is published each semester.

    New Students

    If you have not already applied and been accepted to a program.

    Current Students

    If you have applied, been accepted and are currently enrolled in a program.

    Questions:

    Health Informatics (Cert) Program Support:
    Online Continuing Ed Support:

    Email our Student Support Center for assistance, or call 800-480-3190 and press 1 to speak with an advisor.

    Restrictions

    Please Note: While every effort has been made to ensure the accuracy of the information presented within this website, the Division of Online & Continuing Education reserves the right to implement new rules and regulations and to make changes of any nature in its program, calendar, locations, tuition and fees. Whenever possible, appropriate notice of such changes will be given before they become effective. In applying for a degree program or registering for courses, each student assumes full responsibility for knowledge of and compliance with the definitions, regulations and procedures of UMass Lowell as set forth on our website. For additional information, please refer to the Graduate Program Policies found within the UMass Lowell Graduate Catalog.

    Applying into an Online Graduate Certificate Program

    UMass Lowell Graduate Certificate Programs provide knowledge and expertise that are vital in today’s rapidly changing workplace. In many cases, graduate certificate courses may be applied toward a master’s degree at UMass Lowell. Most graduate certificates consist of four courses, for a total of 12 graduate credits. This is a great way to earn a graduate-level credential on the way to earning your master’s.

    WHO CAN APPLY?

    Holders of an appropriate bachelor’s degree

    HOW TO APPLY?

    Application Fee is $50.00 for all applicants. NO Graduate Record Exam (GRE) is required for graduate certificate programs. Credits earned from a graduate certificate may be used toward a related graduate degree with the approval of the graduate program coordinator. Students who complete a graduate certificate with a cumulative GPA of 3.50 or better in a UMass Lowell graduate certificate program may be able to waive the GRE when applying to a related master’s degree. Graduate Certificate Programs must be completed within a five-year period with a minimum 3.0 grade point average and with not more than two courses with a grade below B. Courses completed for one certificate may not be used for other certificates. Once you have completed all of the courses required for your certificate, please complete and submit the Graduate Certificate Clearance Form.

    Graduate Program Admissions Requirements

    Admission to all graduate programs at UMass Lowell is contingent upon successful completion of a bachelor’s degree. In many cases, applicants may register for a course before they have formally applied into the program; however, students requiring financial aid may want to wait until they have been formally accepted into the program to ensure that their course(s) will be covered. Please see our How to Apply tab for additional information and contact UMass Lowell’s Office of Graduate Admissions if you have questions about the application process.

    Questions Regarding Your Graduate Application?

    For General Assistance:

    Call the Division of Online & Continuing Education at 800-480-3190 if you have general questions about registering for your online courses, or to find out who the advisor is for your graduate program. Our team of Student Support Specialists are here to help!

    Already Applied?

    Fees

    There is a $50 application fee when you apply into this graduate degree program. Please see the Student Financial Services website for more information.

    Restrictions


    Lead Tracking Solutions – Financial Report #lead #tracking #solutions #annual #report, #lead


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    • VC FUNDING DEALS: Full access to 91,732+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
    • PRIVATE M A DEALS: Full access to 60,928+ M A and Private Equity Deals, including deal multiples, deal advisors, and more. (View Sample M A Deal. View M A Deal Search )
    • INVESTOR RECORDS AND EMAILS: Full access to 20,616+ Investor Profiles, including PE Firms, VC Firms, Angel Groups, & more with PARTNER & EXEC. NAMES AND DIRECT EMAILS! (View Sample Investor Report )

    Lead Tracking Solutions is a privately-held lead tracking and lead management software company based in Costa Mesa, CA.

    Finding information on private companies can be painful. That’s why we created PrivCo – the ultimate private company financial research database – and why we have become the private company research provider and partner for hundreds of clients worldwide

    Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

    • Regulatory filings
    • Legal exhibits
    • Business journals trade publications
    • News sources
    • Industry research
    • Company sources

    Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.


    Weldmar Hospicecare Trust – Financial Report #motels #in #san #antonio

    #weldmar hospice

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    • VC FUNDING DEALS: Full access to 63,486+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
    • PRIVATE M A DEALS: Full access to 58,494+ M A and Private Equity Deals, including deal multiples, deal advisors, and more. (View Sample M A Deal. View M A Deal Search )
    • INVESTOR RECORDS AND EMAILS: Full access to 19,726+ Investor Profiles, including PE Firms, VC Firms, Angel Groups, & more with PARTNER & EXEC. NAMES AND DIRECT EMAILS! (View Sample Investor Report )

    Weldmar Hospicecare Trust is a privately-held company that operates in the nursing services and facilities industry. Weldmar Hospicecare Trust headquarters are located in Dorchester, United Kingdom. Weldmar Hospicecare Trust was founded in 1990.

    • Nursing Services & Facilities
    • Elderly & Disability Services

    Finding information on private companies can be painful. That’s why we created PrivCo — the ultimate private company financial research database — and why we have become the private company research provider and partner for hundreds of clients worldwide

    Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

    • Regulatory filings
    • Legal exhibits
    • Business journals trade publications
    • News sources
    • Industry research
    • Company sources

    Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.





    Certified Healthcare Financial Professional (CHFP) Certification #accounting #certifications, #certified #healthcare #financial #professional


    Certified Healthcare Financial Professional (CHFP) Certification

    If you’re looking to improve your career in accounting, obtaining an accounting certificate is an excellent first step. Accounting certifications can expand your accounting knowledge and increase your proficiency in a specific area of the accounting field.

    Introduction to Certified Financial Healthcare Professional Certification

    CFHP certification is designed for healthcare finance managers whose goal is to attain a higher level of education in the healthcare finance field.

    CFHP certification may open up opportunities for professional growth by boosting your credibility and demonstrating your commitment to the field.

    Key Steps to Certified Financial Healthcare Professional Certification

    CHFP requirements for certification are

    • A minimum of 3 to 5 years healthcare financial management experience
    • Passing the CHFP examination
    • Active membership in the Healthcare Financial Management Association (HFMA)

    Details of the Certified Financial Healthcare Professional Exam

    The CFHP exam is a four-hour online test made up of 150 multiple-choice questions. The test covers six topics:

    • Revenue cycle. For example, data collection, clinical documentation and coding, bill generation, collections, and reimbursement (21 to 25 percent of the exam)
    • Budgeting and forecasting: Including projection, capital planning, budget analysis, and monitoring (18 to 22 percent of the exam)
    • Financial reporting: Such as preparing financial statements, Medicare/Medicaid, and internal management reporting (16 to 20 percent of the exam)
    • Internal controls: For example, safeguarding assets and data (15 to 19 percent of the exam)
    • Disbursements: Regulatory and workload data collection (4 to 8 percent of the exam)
    • Contracting. Monitoring contracts to ensure performance compliance (13 to 17 percent of the exam)

    As of 2011, the fee for applying for CHFP certification — includes the price of one exam plus the application fee — is $395.

    If you don’t pass the test on your first try, you can retake it for an additional $200. In the event of a retake, the HFMA recommends that you wait at least 90 days before taking the test again to allow for additional preparation.

    While you’re allowed to bring a personal calculator to the exam, some restrictions apply if you have a calculator with more than four functions. These restrictions include the following:

    • Any calculator with a QWERTY keypad arrangement isn’t permitted
    • Any calculator with the following functions isn’t permitted: execute, memo, formula, program, forward, reverse, go to, run, learn, LRN
    • Non-communicating, non-programmable, battery-operated, silent, and non-printing calculators are allowed.

    Preparing for the Certified Healthcare Financial Professional Exam

    Although the HFMA emphasizes that experience as a healthcare financial manager is the foremost way to be prepared for the exam, it also offers an online study guide which, as of 2011, is available for $195.

    Because access to the online study guide is only available for one year, the HFMA recommends that the exam be taken within a year of purchasing preparation materials to allow for further study should you need to retake the test.

    Because the exam questions are designed for the experienced healthcare financier three to five years of relevant work experience is required prior to taking the exam. Positions that meet the standards for adequate CHFP exam preparation include

    • Director Patient Financial Services
    • Director Reimbursement
    • Patient Accounts Manager
    • Billing Director
    • Controller
    • Director Business Services
    • Director Finance
    • General Manager Finance
    • Business Office Manager
    • Treasury Manager
    • Senior accountant or senior financial analyst

    Maintaining the Certified Financial Healthcare Professional Designation

    In order to maintain CFHP designation, you must complete 90 hours of eligible (see HFMA website for details) continued professional education credits during a three-year period.

    Governing Board Information

    CFHP certification is issued by

    The Healthcare Financial Management Association (HFMA)

    2 Westbrook Corporate Center, Suite 700
    Westchester, IL 60154
    708.531.9600
    www.hfma.org


    Credit Cards FAQs #wells #fargo #financial #phone #number


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    Frequently Asked Questions

    General Questions

    In order to view account information on Wells Fargo Financial Cards Online Customer Service, the front of your card must have the Wells Fargo Financial Cards logo on it. You can also refer to your statement and verify the mailing address for payments is for Wells Fargo Financial Cards. Other accounts you have with other Wells Fargo affiliates will not be available on Wells Fargo Financial Cards Online Customer Service. Please refer to information you have from other Wells Fargo affiliates to determine how to access your account information online.

    You will be asked to provide account and security information. This information helps us to authenticate you and to provide you with the correct account information.

    Call Customer Service at 1-877-906-6055 or mail your request to Wells Fargo Financial Cards, PO Box 5943, Sioux Falls, SD 57117-5943.

    This is a free service provided to you as a feature of your Wells Fargo Financial Cards Credit Card.

    Please use the navigation items on the top of the page. When a user clicks on their browser’s back button, it disconnects you from the web page you’re trying to reach.

    Microsoft Internet Explorer version 5.0 or higher Windows
    Netscape versions 5.0 or higher Windows
    Firefox Web browser

    Account Questions

    Wells Fargo Financial Cards Online Customer Service includes account summary information and your monthly transaction activity. For your convenience, you can also view your transaction activity since the date of your latest paper statement that was mailed to you.

    You may also click on the Services tab to request convenience checks or request a copy of your Account Agreement.

    If you have questions about charges to your account, transactions on your account or any other account information displayed on this Web site, please call 1-877-906-6055.

    To obtain your Personal Identification Number, please call 1-877-906-6055.

    If you have a missing credit card, report it immediately to our 24-hour automated Customer Service number, 1-877-906-6055. We will cancel your card and send you a new one.

    You are able to download certain information into Quicken . Microsoft Money, and other software that you have installed on your computer. You are responsible for obtaining a valid and separate license agreement with the provider of the Personal Financial Management Software. If you are having technical problems with this software, please contact your software provider.

    Registering/Enrolling

    In the Register Now box, enter your account number in the Account Number field and click Submit.
    Complete registration by answering the security questions and creating your User ID and Password.
    You must have a valid email address in order to access online services.
    A confirmation code will be emailed and you must enter the code before you will be given access to online services.

    After registration is complete, you can sign on with your user name and password to access your online services. For your security, the password can be changed at any time under Account Info/Change Password .

    After completing the registration process above, simply enter your user name and password in the Sign In fields and click submit.

    You may have difficulty signing on if:

    1. You entered your user name and password incorrectly. User names and passwords are alphanumeric-case sensitive. If you forget your user name or password, you can still access your account by re-registering with your credit card number.

    2. You tried to sign on three times in a row with the incorrect user name or password. In this case, you are locked out of the system. You can still access your account by re-registering with your credit card number.

    3. There are problems with your Internet connection or with our system. Try again later.

    No. After enrolling, the Account Summary page will be displayed. Simply click on the Add/View Accounts tab. and register your other Wells Fargo Financial Cards accounts.

    Once you have added your accounts, you will be directed to the Add/View Accounts page where you will be able to select the account you wish to view.

    Payment Information

    Please make checks payable to Wells Fargo Financial Cards and include your account number on the check.
    Send payments via regular mail to:

    Wells Fargo Financial Cards
    P.O. Box 660041
    Dallas, TX 75266-0041

    This address is provided for your convenience. Please refer to your payment coupon and send all future payments to the address shown.

    Send any Wells Fargo Financial Cards payments via overnight mail to:

    Wells Fargo Financial Cards
    Attn: Remittance Processing
    334 SW 8th St.
    Des Moines, IA 50309

    Yes. You may make a payment online, see How do I make an online payment? for details. You may also call customer service at 1-877-906-6055 to make a payment over the phone. Additional fees may apply for phone payments, refer to your cardholder agreement for details or contact customer service. You may also sign up for our Automatic Payment program, please contact customer service for details.

    Enroll now and make your payment online any time. Wells Fargo Financial Cards does not charge a fee for this service. Follow these steps to enroll and pay online:

    1. Create a User ID. This can be the same as your online account access ID as long as it is alpha/numeric and between 4-20 characters long. When you select your Online Payment User ID, you must remember it exactly (it is case sensitive).

    2. You must also supply your name and payment address as they appear on your billing statement, your account number, the last four digits of the primary account holder’s social security number, an email address and a security question and answer.

    3. If you have a Visa, Visa Gold, Visa Platinum, Cash on Demand, NowLine or CrediAcceso account with Wells Fargo Financial Cards, the payment address needed to register with online payments is Wells Fargo Financial Cards, P.O. Box 660041, Dallas, TX 75266-0041. This address is provided for your convenience. Please refer to your payment coupon and send all future payments to the address shown.
    If you have an account other than what is listed above, please refer to your billing statement for the payment address.

    4. Your Online Payment Password must be between 8- 20 characters and must meet 3 of the 4 following requirements:

    • Upper case letter
    • Lower case letter
    • Number
    • Special Character

    Additional information regarding Online Payments can be found by clicking on the Help/FAQs link for Online Payments:

    Technical Questions

    You may need to disable your pop-up blocker through your Internet Browser. Please contact your Internet Provider on how to disable your pop-up blocker.

    You may need to designate www.wellsfargofinancialcards.com as a trusted site.

    1. In Internet Explorer, on the Tools menu, click Internet Options

    2. Click the Privacy tab, and then click Edit

    3. In Address of Web site, type: https://www.wellsfargofinancialcards.com

    Please Note: By designating www.wellsfargofinancialcards.com as a trusted domain, all sites operating under these domains should be treated as trusted sites, including those not expressly covered by the www.wellsfargofinancialcards.com Online Data Policy. You may still need to designate certain sites within these 2 domains as trusted sites in order to permit cookies to be set by them.

    Security

    On Wells Fargo Financial Cards Online Customer Service we use advanced encryption techniques to protect your information. In addition to our online security we provide, we require you to validate your identity and identify your account before displaying any transaction activity information online.

    To ensure your privacy, your password is masked as you enter it on the screen. For your security, your Wells Fargo Financial Cards Online Customer Service password should be changed once per month. Memorize your password and never write it down or reveal it to anyone, including bank personnel. Wells Fargo Financial Cards will never contact you and ask you to provide your password. Do not let other people use your password. By giving your password to another person, you take full responsibility (until you notify us) for all transactions made by that person or by anyone else to whom they may give your password.


    Apple May Have Structured Its Nokia Settlement With Its Qualcomm Lawsuit In


    Apple May Have Structured Its Nokia Settlement With Its Qualcomm Lawsuit In Mind

    When it comes to press releases announcing major patent licensing deals, the slightest change in the description of the terms of one deal relative to another can mean a lot. That’s definitely the case for Apple’s (AAPL ) new settlement with Nokia (NOK ) .

    Whereas the press release announcing Apple’s 2011 patent-licensing deal with Nokia, as well as the one announcing Apple’s 2015 patent deal with Ericsson (ERIC ). mentioned that Apple would pay “on-going royalties,” Tuesday morning’s release about Apple and Nokia’s latest settlement only talks of “”additional revenues during the term of the agreement.” The change in phrasing probably has much to do with Apple’s wish to prevent the Nokia settlement from hurting its prospects in its increasingly bitter dispute with Qualcomm (QCOM ). a dispute that has featured lawsuits on both sides and strikes at the heart of Qualcomm’s licensing model.

    Nokia and Apple had sued each other in December 2016, shortly before the expiration of their deal reached in 2011. Nokia alleged infringement of dozens of patents — including those separate from the ones covered by the 2011 deal — covering display, software, UI, chip and video encoding technologies, among other things. Apple, perhaps recognizing a Nokia suit was on the way, accused Nokia of violating antitrust law by handing off some patents to “patent assertion entities” (less charitably referred to as patent trolls), who would then use the assets to sue Apple and others for infringement, with Nokia getting a cut of the proceeds.

    Likely contributing to the tensions: Nokia has gotten more aggressive about trying to monetize its massive mobile patent portfolio since wisely selling its hard-luck phone business to Microsoft (MSFT ) for $7.2 billion in 2014. That sale significantly reduced Nokia’s patent cross-licensing needs, and gave it more leeway to strike harder bargains with phone makers. Two licensing deals were struck with Samsung last year, with Nokia stating the second deal would lift the revenue run rate for its licensing business by €150 million to €950 million ($168 million to $1.07 billion).

    Nokia had cut its run-rate forecast back to €800 million ($895 million) due to the dispute with Apple. But an upwards revision should be on the way soon: Nokia and Apple say they’ve “settled all litigation” and reached a new multi-year IP deal. Nokia’s shares were up 6% on the news, while Apple’s shares were down 0.3% on Tuesday.

    Nokia will get an unspecified up-front cash payment — the 2011 deal reportedly featured a $720 million up-front payment — and will sell “certain network infrastructure products and services to Apple,” which has built a giant global data center infrastructure over the last several years. Apple will also resume selling Nokia’s digital health hardware (a product of the 2016 Withings acquisition ), and the companies will explore potential digital health collaborations.

    But it’s the lack of any indication that the deal will feature royalty payments that’s the most head-turning part of the announcement. Nokia, like Qualcomm and Ericsson, has typically received royalties from mobile licensees that are based on a percentage of a phone’s selling price. From the looks of things, Apple could be replacing the iPhone royalty payments that were part of the 2011 deal with fixed licensing fees.

    Appleis a holding in Jim Cramer’sAction Alerts PLUS Charitable Trust Portfolio.Want to be alerted before Cramer buys or sellsAAPL?Learn more now.


    Angela Hospice Home Care – Financial Report #hospice #by #the #bay

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    Angela Hospice Home Care Inc. is a 501(c)3 not-for-profit provider of inpatient and home hospice care, as well grief and bereavement counseling. Angela Hospice Home Care Inc. operates the 32-room Angela Hospice Care Center at its headquarters in Livonia, Michigan. Angela Hospice Home Care Inc. was founded in 1985 by Sister Mary Giovanni and is operated by the Felician Sisters.

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    • Regulatory filings
    • Legal exhibits
    • Business journals trade publications
    • News sources
    • Industry research
    • Company sources

    Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.





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    Bureau of Workers’ Compensation monthly employer webinars

    BWC is beginning a new series of brief, informative webinars on topics of interest to employers. Webinars will be offered twice a month and will be about 20-25 minutes. To kick things off, June webinars will cover policy year 2017 renewal, the 2-percent early pay discount and future dating of payments.

    Ohio Materials Marketplace

    The Ohio Materials Marketplace is a free online platform allowing businesses and organizations to connect and find reuse and recycling solutions for waste and by-product materials.

    Ohio Business Central

    File business documents online with Ohio Business Central. Available online forms include: articles of incorporation for domestic corporations, nonprofits, and professional associations; articles of organization for a domestic limited liability company; foreign for profit and nonprofit corporation application for license; foreign limited liability company registration; trade and fictitious name registration and renewal; and biennial reports for associations and limited liability partnerships, and more.

    view all Gateway topics


    Nationally Ranked MPA – Rockefeller College of Public Affairs – Policy –


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    Our Advisors – financial advisors and investment advisors at Danielson Financial Group


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    Our Advisors

    Deborah L. Danielson
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    Deborah Danielson is President and owner of Danielson Financial Group. The Las Vegas native has built a solid record of accomplishments and a reputation for excellence among her clients and colleagues. An investment professional since 1981, Ms. Danielson is a CERTIFIED FINANCIAL PLANNER TM. professional and Certified Fund Specialist � the first woman in the state of Nevada to achieve the professional designation — and has a Master�s of Science in Financial Services. She maintains securities registrations with LPL Financial.

    Ms. Danielson employs a comprehensive, client-focused approach to financial planning. Such discipline ensures that recommended programs encompass each client�s financial goals, time frames and risk tolerance. In recognition of her extraordinary efforts, Ms. Danielson was awarded the 1 st Distinguished Endeavor Award by Distinguished Women Men in Nevada, October 2014; named one of the Top 1200 Financial Advisors nationwide by Barron�s Magazine February 2014 2015* and #2 in the State of Nevada*, one of the Top 1000 Financial Advisors nationwide by Barron�s Magazine February 2009, 2010, 2011, 2012 2013*; named one of the Top 100 Independent Financial Advisors by Registered Rep Magazine, August 2008, 2009 2010* 1 ; named #7 of the Top 50 Independent Broker/Dealer Women Advisors in the U.S. by Registered Rep in 2011 *1 ; named one of the Top 100 Women Financial Advisors by Barron�s Magazine, June 2008, 2009, 2010, 2011, 2012, 2013 2014*, and named by Goldline Research, as reported in Forbes Magazine, one of the 5 most Dependable Wealth Management Firms in the Southwest U.S.* 2 Ms. Danielson has been a guest on FOX Business, CNBC Squawk on the Street and Power Lunch and BNN. She has appeared on newscasts live from the floor of the NASDAQ and the New York Stock Exchange.

    Ms. Danielson also is an accomplished writer. She co-authored The Expert�s Guide to Financial Planning, published in 1987 and contributed to Big Vision, Small Business�The Four Keys to Finding Success and Satisfaction as a Lifestyle Entrepreneur, published in 2001. Ms. Danielson, sought after for advice, has been published in Money Magazine, The Wall Street Journal, Dow Jones Wire, Bloomberg, and has appeared on local and national news and radio shows. She has served as the Financial Editor for Nevada Woman magazine since July 1995 and its replacement magazine LV Woman since 2008. Ms. Danielson is actively involved in the professional association, International Women�s Forum (IWF), and has been acknowledged for her leadership contribution. She was a founding member of the National Association of Women Business Owners, Southern Nevada Chapter; the past President and former board member of the Las Vegas Chamber of Commerce; and the past President of the Financial Planning Association (FPA) Las Vegas Chapter.

    Ms. Danielson obtained her WSET (Wine Spirit Education Trust) Advanced Certificate, level three in pursuit of the Masters of Wine designation. She and her husband have raised three children and are now the proud grandparents of four wonderful grandchildren. Deborah is an avid traveler and enjoys collecting wine for her 3000 bottle wine cellar.

    *Barron�s Top 1200 Financial Advisors, Top 1000 Financial Advisors and Top 100 Women Financial Advisors are based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.
    * 1 Awards based on assets under management.
    * 2 Award based on client references, experience, advanced certifications and services offered among other factors.


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    Term deposits Vs savings accounts What s best for you? #savings #accounts,


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    Term deposits Vs savings accounts: What’s best for you?

    Where should one stash their cash: savings accounts or term deposits?Andrea Sophocleous investigates.

    September 7, 2009

    Saving hasn t always been fashionable. Before the global financial crisis began taking its toll on years of economic prosperity and consumer hedonism, excessive spending was a national in fact, global pastime.

    Australia may have escaped the full grunt of the GFC, but the new mood of thrifty restraint appears to be hanging around a little longer. This is the perfect environment in which to begin saving for that next rainy day or home loan deposit. And with interest rates set to rise further, so could your savings.

    Higher interest rates won t just increase your mortgage repayments ; on the plus side, they could also increase the interest you earn on your high interest savings account .

    Savings accounts differ from day-to-day transactional accounts by being designed to help you save for a long-term goal. While you can access your everyday account for all your spending needs using debit cards, ATMs or the internet, any money you deposit in a savings account remains out of everyday reach and accrues interest on the growing balance.

    You can make withdrawals whenever you like, but this would make a dent in the amount of interest you are paid. A more prudent option, therefore, is to make regular fortnightly or monthly deposits but no withdrawals.

    A high interest savings account, however, is not your only option if you want to get serious about saving. If you are easily tempted into spending rather than saving, a term deposit may be a more suitable path for you to take.

    Like savings accounts, term deposits are a low-risk, convenient way to earn higher interest on your money, but because you cannot withdraw any money during the life of your term deposit, your cash will remain safely tucked away, growing at a healthy rate.

    Term deposits require a minimum opening balance usually at least $5,000 and can last anywhere from 30 days to five years. The rate is fixed for the duration of the term deposit, so you know exactly how much money you will end up with.

    If you already have a few thousand dollars saved, a term deposit is a smart choice because you will start earning a decent amount of money in interest straight away. And if you won t need access to the money too soon, opting for a longer term makes more sense because depending on the term, you could score a higher interest rate.

    For example, a 30-day term deposit with ING Direct will see you pocket interest at 3.25 percent p.a. while a two-year term deposit will deliver a more profitable 6.00 percent p.a. interest. So $10,000 will earn $26.71 in interest in 30 days, while after two years your nest egg will be up by $1,200.

    As with all financial decisions, shop around for the term deposit that suits your needs. And ensure you won t need the money before your term expires otherwise you will have to wear the cost in hefty fees. If you are starting from scratch, a high interest savings account is a better option because most do not require a minimum opening balance.

    The ING Direct Savings Maximiser account will dish out 4.75 percent p.a to new customers who signs up before November 30. This special introductory rate will last until 31 January 2010. Other generous high interest savings accounts include UBank s USaver account, which offers 5.11 percent p.a interest, and Westpac s Reward Saver with a 4.70 percent p.a rate.

    There are hundreds of savings accounts to choose from, so researching and comparing interest rates and terms and conditions is essential.

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    Spring Attendee Homepage – Atlanta Home Show – Georgia s Largest Home


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    The 39th Annual Spring Atlanta Home Show – March 24-26, 2017 – Cobb Galleria Centre

    The largest Home Show in Georgia! Hundreds of participating companies! For THREE days only March 24-26, the Cobb Galleria transforms into a one-stop-shop for all your home improvement needs! For 39 years the Spring Atlanta Home Show has been improving home lifestyles and adding value to your largest single investment, your home. We’re proud of our ability to produce a family friendly environment and welcome you to our home.

    Experience exciting and interactive sessions that can inspire you in your yard, with your decor and save you a great deal of time and money on your next remodeling job. » Click here to read more.

    This year’s grand prize is a 7 LED fixture outdoor lighting package provided by Outdoor Lighting Perspectives of Atlanta. No purchase necessary – read more for all the details. » Click here to read more.

    Georgia Landscape presents the Red Hare Backyard Beer Garden! Come learn about landscape design, services and products ranging from grass to fire, flowers to water, patios to recreation areas. You can chat with area experts about local landscape and options for every type of backyard. This is an interactive, educational area designed to give you the information you need to turn your backyard into an outdoor living area to enjoy for years! If all that were not enough, for a $5 donation to Hope Atlanta – the programs of Travelers Aid you can taste your way through this feature. Marietta’s own Red Hare Brewing Company will have SIX of their handcrafted brews available for your approval! Cabot Creamery will also have a sampling of cheeses. So bring your friends, enjoy some great beer and help a worthy cause! » Click here to read more.

    Thanks to PMC Building Materials, members of the home improvement trade receive FREE admission to the show on Friday March 24! » Click here to read more.


    Bury Hospice – Financial Report #faith #hospice

    #bury hospice

    #

    • VC FUNDING DEALS: Full access to 63,486+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
    • PRIVATE M A DEALS: Full access to 58,494+ M A and Private Equity Deals, including deal multiples, deal advisors, and more. (View Sample M A Deal. View M A Deal Search )
    • INVESTOR RECORDS AND EMAILS: Full access to 19,726+ Investor Profiles, including PE Firms, VC Firms, Angel Groups, & more with PARTNER & EXEC. NAMES AND DIRECT EMAILS! (View Sample Investor Report )

    Bury Hospice is a privately-held company that operates in the health care providers and related medical services industry. Bury Hospice was founded in 2010. Bury Hospice headquarters are located in Radcliffe East Ward, United Kingdom.

    • Health Care Providers & Related Medical Services

    Finding information on private companies can be painful. That’s why we created PrivCo — the ultimate private company financial research database — and why we have become the private company research provider and partner for hundreds of clients worldwide

    Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

    • Regulatory filings
    • Legal exhibits
    • Business journals trade publications
    • News sources
    • Industry research
    • Company sources

    Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.