Archive for April, 2009

What Can You Do with Your Money

April 28th, 2009

Money is something most people value because they know that they worked so hard to get some of it.  They know that they have to put or use it in something worthwhile and not just something that seems to be unimportant.  Other things that they have to worry about are getting the right pension for them and their family.  They could even ask information about UK pension transfers so that they would have no problem when the time comes that they want to avail this.

Sometimes, even though they have no plans of opening a bank account, they cannot do anything about it because they have to.  Aside from they want to safe keep some of their resources; they want that guarantee that they have some money stashed away in the bank.  This helps them to sleep soundly at night because they know that this is something they never regret doing.  It may take some practice before a person actually makes it a habit to go to the bank and deposit some of his money.

Nevertheless, availing for transfer of pension is not that hard to do as long as you have that sense of responsibility.  Even though you may not be able to afford the current pension scheme that you have now, at least there is the chance that you will be able to continue paying for the pension at a much lower scheme this time.  The importance of having pension is something people should realize.  It is not every day that you get chance to prepare for your future and not be wary about it.

Aside from putting your money in the bank or investing it in your pension, you could also give some to charity.  Surely, people will highly appreciate this gesture.  Think about it.  Those who have extra money will probably give some of their blessings to the poor.  This is to show that they too care for the people living below the poverty line.  They do this not because they want to be famous but because they have a kind heart.  They believe that if they help others, more blessings will come their way.  Of course, you would not expect every rich person to give donations to charity.  However, they have their own means on how to help others that are in dire need.

Pension transfers may take some time but surely, it is worth the wait.  In case you have some questions about the process, it is better that you direct your question to the person most appropriate to answer your question.  It is inevitable that problems arise due to miscommunication, misunderstanding and the likes.  Whether it is your fault or the company’s, it is the right of both sides to know what is going on.  As soon as you experience problems regarding your pension, you had better tell the company right away.  This will help avoid any more delays in the transaction.

Using money wisely can sometimes be a hard thing to do especially if you have that habit of overspending.  The inappropriate use of the credit cards can leave you in a disastrous state.  With the meager salary that you have, it is not a surprise to know that you are having problems paying your credit card bill.  There is nothing wrong in using your credit card, the thing is, you have to know when to and when not to use it.  You have to remember that you should use your credit card during emergencies only.

Nevertheless, when it comes to the pensions, you could always ask the help of pension transfer specialists.  They would be able to enlighten you in the situations or ideas that you do not know much about.  Even though you two may not be able to meet in a common ground, there is still a chance that you would.  After hearing both sides, perhaps you can come up with a compromise that will make the two of you happy with whatever you talked about before.

Just try to remember that whatever you chose, make sure that this is the best that you can think of for yourself and your family.  It is not about you anymore because you already have an obligation to someone else.  In the event that you do not want to continue paying for you pension, you have to tell this to the company so that they can work things out easily.  It may be hard to tell yourself that you have to stop this.  However, if all hope is gone, there is no choice left but to give in to failure and hope for the best.

There are still other ways on UK pension transfer.  You just have to know which one is the best one for you and try to stick with your decision.  Nothing will be better than to trust your instinct and find out in the end that you made the right choice despite the uncertainty.  Consulting other friends and relatives about this would be okay too as long as you are not narrow-minded.  There is no use to ask advice from the others if you already have the decision in mind.  It would not even help if you just want to justify what you are about to do.  Try to be firm in everything and be strong.

In the end, you will be able to tell yourself that you were able to make the right choices not only for you but for your family as well.  Hoping for the best in everything is what you should do because it helps to be optimistic at times.  There is nothing wrong if you are a very hopeful person because you too will need some sort of strength during such time when you feel that all hope is lost.  Money is not everything in the world.  However, it helps a person to survive in life when he has some resources to help him out in some things in his little world now.

Tags: pension transfer specialists | pension transfer specialists | UK pension transfers | UK pension transfers | transfer of pension | transfer of pension | UK pension transfer | UK pension transfer | Pension transfers | Pension transfers

How to Save For Your Future

April 28th, 2009

Individuals always try to make sure that they would have a secured future because they want something better for them.  It is not always about the money since there are other things that they can enjoy.  One of which is the pension.  Even though they do not give huge contributions, they know that when they retire, they would still be able to get some money.  In case they are unable to pay for the current contribution, they could always ask for company pension transfer.

Despite the fact that you do not have the money with you now, there is always that hope of being able to live a comfortable life after working.  You can start by trying to cut off in buying unnecessary things like bags, designer clothes and the likes.  This will help you be able to save more and learn how to buy practical things.  People should always think about the future because money may not be in their side once they get older.

When people consult pension transfer specialists they try to consider and get the side of the experts on what they think is right for them.  Of course, people will take their word because they are educated in this field.  However, you too can state your side of the bargain and hope that things will work out between the two of you.  There is nothing wrong if you doubt what the specialist told you. 

There is always that chance that what he told you may not work.  Unless you have a better plan, you might want to check things out first before taking that risk.

Aside from the pension, you may also put some money in the bank so that you will be able to use them in the future.  You never know when the rainy days will come so it is better if you prepare for the worst and hope for the best.  Even though you feel that you would not be able to have a large sum of money in your bank account, the important thing here is that you still have some money.  Imagine the other people who live in the slums that work so hard every day just to put food on the table.  With multiple children and a meager salary, it is not surprising that most of them do not have spare money with them.

Fixing or preparing for the UK pension transfers need some time before you can actually avail them.  You should also remember that there are certain protocols that the company follows when it comes to such request.  It is not something that you can wait for overnight.  You have to be patient in this because you are not the only one who wants to have their pensions transferred.  However, you can still be optimistic about it and hope that your request processes faster than the usual.

In the event that you find yourself lost in some of the guidelines, you can always research on the internet or call up the company to find out.  Calling up the company occasionally and ask about your request is okay.  However, you should refrain from doing it repeatedly. 

The company or the agent might get angry with you and tell you that you do not know how to wait.  When the person tells you to call on a specific date or time, do it promptly.  This might be the only shot you will have to know the status of the request.

If you really want to save some effort, time and money, you should do some research before actually pursuing the UK pension transfer

For example, you might find in some of the websites the requirements needed, you can prepare this beforehand.  Once you get to the company, you can present these to them and then wait if you have to provide other documents before they continue the transferring.  Do not think about how much time and money you would have to waste because in the end, you will be able to reap the fruits of these.

Sometimes, you have to learn things the hard way before you tell yourself that you are ready for another dose of it.  Once you know everything that you have to, you would not have a hard time getting and finishing things just the way that you want them to. 

Understanding your strengths and weaknesses can help you big time especially if you have to make sacrifices to give way to the pension contributions that you will make.  You too have to look deep inside and convince yourself that you are a good person and would do everything that you can to prepare and save up for the future.

If you think that pensions transfer is not good at this time, then do not forgo with it.  Sometimes, it is better to trust and follow your instincts rather than following what the outside forces tell you to do.  Just try to find that inner voice within you and listen to what it tells you.  It may bring you pain at times, however, you have to understand that the pains will make you an even stronger person.  Individuals who do not know suffering and hurting are not real people.

Keep in mind that if you really want to have a better future ahead of you, you should start saving now while you can.  As soon as you land on a job, try your hardest to find the will to save some money for yourself.  It does not help you when you just spend all of your earnings into unnecessary and impractical things.  All you have to do now is to try your best to get whatever you can to help you prepare for your retirement.  Asking some of your friends and relatives on this endeavor can help you a lot since they already have an idea on what you need.  Once you get everything there is to know, start building your future slowly but surely.

Tags: pension transfer specialists | pension transfer specialists | company pension transfer | company pension transfer | UK pension transfers | UK pension transfers | UK pension transfer | UK pension transfer | pensions transfer | pensions transfer

What You Should Know About Getting a Career in Customer Service

April 20th, 2009

Before considering if you want to hold a clerical customer service jobs or not, you should understand what it is first. Customer service is simply providing solutions or answers to customer questions or queries. Not all products and services function in a1 condition, performance is not constant and will be affected by external uncontrollable factors. Customer service is the means provided by companies to help customers deal with issues either by enhancement or sometimes replacement.

What are the qualifications needed?

Customer service requires frequent interactions with clients, it is therefore important that individuals planning to have a career in customer service have the ability to communicate properly and effectively. The individual must be able to listen properly and understand what a client needs to be able to respond appropriately. One must know how to positively script responses so that clients are not offended in any way.

Most of the time, customer service issues are in nature negative and in often time’s complaints. Simply put, you would not really contact a company’s customer service department just to congratulate them for a job well done. Clients or customers contact customer service representatives because they have issues or problems with the service. It is then easy to assume that clients one would be interacting with are not happy. Not knowing the right words to say or how to say it can leave the customer more frustrated and may even lead to losing the customer.

Customer service representatives should also be very patient and have a high tolerance for stress. Dealing with a lot of frustrated or disappointed customers maybe very taxing so people who are naturally patient and have high amounts of stress tolerance would do better in jobs of this nature.

There are also some companies who emphasize good physical appearances for people who want to get into their customer service departments because people who look good make customer interactions a lot more pleasant. Most often than not, people who are attractive have an easier tendency to put customers at ease so even if the qualification is a bit discriminating it is usually considered.

Assuming that you have these qualifications then you may want to check the organizational structure and positions usually associated with customer service.

The customer service organizational structure
Just like most departments and organizational structures, customer service starts with an entry-level position, which are usually customer service associate jobs. Customer service associates are those in the front lines of a customer service department. They interact directly with customers and they are the first line of contact between company and client. If workload is to be considered, associates usually have the heaviest load because they interact with clients day in and day out. As long as there is a customer in queue, the associate has some work to do. Their responsibilities are but not limited to maintenance of customer records, resolving customer issues, and processing customer requests.

Some companies allow students or fresh graduates to get customer service internship jobs for experience. These on the job training type jobs expose individuals to a customer service associate’s job without having to take on the responsibility that comes with it. This would be a great springboard for people who want to get their feet in the door because interns are usually offered jobs after the internship period if performance is satisfactory.

The organizational structure customer service have are stratified and multi level. There are a lot of promotional or career growth opportunities one can avail of after a few years of service. It is important to keep in mind though that promotions are based on experience and performance the higher a candidate has in both areas the higher chance of getting a promotion.

In general, the next step after an associate’s position are customer service officer jobs. Individuals who hold these positions handle specialized tasks that either provide support to associates or handle specialized groups of clients. These officers may have fewer tasks to do and have lighter workloads but have heavier responsibilities. Officers can also sometimes be referred to as specialists because they often attend to specialized functions. In a sense, an associates job is general and their responsibilities encompass most processes and procedures but do not go as deep or as in depth as officers do.

Some customer service officers act like team leaders or customer service associate supervisors. They supervise the associates and keep them in line, they make sure goals and directives are achieved. The officers act like micro managers sometimes even handle associate’s discipline like following rules and keeping attendance records clean.

Customer service basically deals with customer issues and concerns. However there are some instances where companies offer their services to other companies, at which point they no longer handle individual people but a group. These types of clients are usually called accounts and to be able to manage these clients properly, companies have workers handle customer service account manager jobs. Customer service account managers are like the client’s eyes and ears and speak for their behalf. They are directly employed the company that provides the service but his or her workload is for the client.

There are a lot more specialized positions that can be possible promotion opportunities for customer service associates after this. Specializing positions are usually dictated by the nature of the company. There are also options where an individual can even transfer from the customer service department to different departments like sales or collections.

A career in customer service could be a very great option for anyone who wants to have a lucrative and stable career. It is however important to keep in mind that just like all other jobs in the business world, success is highly determined by the amount of time and effort one invests in the job. If one works hard and maintains good records then promotional opportunities will come in due time. With enough patience and discipline, career success may just be a matter of a few years.

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Job Opportunities during Recession

April 17th, 2009

Recession has caused a lot of job losses. Due to this, many lost their homes to foreclosure as well as their prized possessions. In addition to job loss, recession has also made it difficult for job seekers to find new employment. Although this is the case, there is still a greater chance that you will find a new job. There are various industries that present employment opportunities. These are the industries that thrive even during recession.

Here are among the opportunities you can look into:

1.    Education

The education industry is less likely to close because students will still go to school even with a financial ordeal. If you do not have an education degree, you can probably offer tutorials to young children. You can also apply for office works in the different colleges and universities. Keep in mind that teachers are not the only employees a school will need in order to operate properly.

2.    Financial consultant

People today need someone to help them manage their finances. And where do they go to find the help they need, to financial consultants or advisers. If you have a background in finance or accounting, this will be the best time to put them in use. If you wish to become one, look for online courses that will help you earn a degree in the field. You can also make your own researches and offer your services with a fee. There are various tools online that can help you with this.

3.    Food

You can also find employment resources in the food industry. Although people are cutting back on their expenses, they will still continue to eat. There are many opportunities in this arena. You can start your own food business by providing affordable food. You can also apply to companies whose main product is food.

4.    Health

The health industry is also quite stable. This is because people are still concern with their health. They go to hospitals when they are sick.

You might consider a course in the medical field. You can be a nurse, a nursing aid, physical therapist and the like. There are also demands for caregivers and other medical service personnel.

5.    Service oriented jobs

There is continuous demand for different service related jobs. You can put up your own house cleaning business. There is also constant need for skilled employees to deal with different problems at home and in the office like broken water pipes, clogged drainage, and plumbing problems. Aside from that, people will also need other services like massage, haircut, manicure, and pedicure.

6.    Online freelancing jobs

You can also conduct an online employment job search for freelance jobs. There are constant demands for freelance writers, web designers, and data encoders. You can take advantage of this opportunity while looking for a stable job. You just have to be careful of scams in the Internet. Make sure that you conduct your own investigation before dealing with any employer. See to it that he has a legitimate business and that he pays on time.

7.    Pharmaceuticals

This is very much related with the health industry. If a doctor prescribes a medicine for the patient to buy, the patient will do whatever he can to purchase it. He may cut back on food and other luxury but he cannot cut down on medicines.
The opportunities above are among the many stable industries in the country today. Recession may have affected these industries in one way or another but they have remained stable and still presents a lot of opportunity.

Since finding a job during these times is more difficult than usual, it is vital for job seekers to put their best foot forward. However, this does not mean that they have to send their resume to all available companies. They have to check the kind of industry the organization is in. What is the industry’s trend? If it shows promise, then send your most impressive resume to the company.
It is also important that you keep the following in mind for applying for new jobs:

Teach yourself new skills

The best thing about the internet today is the availability of the different tools that you can use to hone your skills. There are several free e-books you can download and online tutorials to assist you in learning new computer programs. You might need these skills when you apply for manager jobs. It is also important that you refresh yourself of the basic principles related to your field. The most basic questions are sometimes the most difficult to answer.

Apply for part-time jobs

Recession has taught us that we cannot depend on one job. However, we cannot serve two masters at the same time as well. The best solution is to apply for part time jobs, which is more flexible. With the advent of the Internet, many are able to enjoy working from home. They can work whenever they are able to and they are paid with a decent amount. There are also other part time jobs you can enjoy offline. You can teach during the weekends, or entertain consultation appointments during your break time.
While looking for a regular job, you can also include part time jobs in your list. Identify your field of expertise so that you can figure out the kind of part-time job you can pursue. Take advantage of the technology available to you and start earning extra.

Prepare for interviews

Acing your interview is a very important step to ensuring that you are able to land the job. Always think that you will be scheduled for aninterview when you apply. This means that you have to keep track of the organization you sent application to. Remember the position you applied for whether they are entry-level jobs or executive jobs. See to it that you know your job description. Conduct a little research about the organization as well. This will show the employer that you are really interested in working for them.

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Ways to Choose for the Right Children Furniture

April 14th, 2009

Right children furniture is available in the market today to give kid’s comfortable feel while inside their room. Choose for the children furniture that suits their need and space. Make sure that the furniture is suitable to the children’s room. All you have to do is measure the room and shop kid’s furniture that fits to the space. Also consider your budget when shopping or buying kid’s furniture. Make you kid’s room unique and colorful. A kid most likely loves colorful things, but it doesn’t mean that you choose for different colors that cannot match the theme of the room. It’s important that kid’s furniture match the themes of the rooms. Kids bedroom furniture is one of the most important furniture in the kid’s room. Make sure that the bedroom for your kids makes them comfortable while sleeping. Consider the size of the bedroom furniture while you are choosing. There are bedrooms furniture that come s with different designs and styles. And there is furniture that specially designed for kids that will help you decorating your kid’s room, just make sure that bedroom match the décor and themes of your kid’s room.

If you are looking for Kids Computer Desk also make sure that you get the right one that matches your bedrooms design. Children furniture store are now selling computer desks for kids that kids surely love it.  Buy for the affordable computer desk for your kids. To hold all kinds of computing equipment stylish home computer desks that expertly designed. At the same time as keeping everything you need within easily and reach easy to get to. Kids Computer desks all have the basic features, such as shelving for a CPU, printer and monitor and a pullout keyboard shelf, but there are also loads of not obligatory extras worth depending, considering on your desires. The most common design of the kid’s computer desk is the rectangular-shaped. This computer desk will positioned against any wall in your home. A variety of styles of computer desk for kids are available in the market today, including those with drawers, bookshelves, and CD compartments. The other types of Kids Computer Desk that fits your need is the L shaped.  In the market today, you should have to choose for the durable construction and stylish kid’s computer desk that also comes with a variety of colors to choose from. Keep in your mind that whatever you need, you’re to find a kids computer desk that’s just right for you.

Kids Vanity Table is also advisable to purchase if you are looking for the table for your kids. There is also kid’s vanity table that has heart shape mirrors and two heart topped boxes with hinged lids that suits for your little princess. She can put in all her treasure there. The chair has a crown-shaped back-rest with a seat cushion with golden tassels and a removable heart-shaped back pillow. You can see classic designs of vanity tables that always in good choice. This vanity is sold in light green finishes, lavender, soft pink, linen, natural, and solid white. It is also sold incomplete as well. The drawers cannot be accidentally pulled out and the mirror is child safe acrylic. These pieces are look like they cost an exorbitant sum and stylish, but they do not. Since 1987 Little Colorado has been building the finest quality wooden children’s furniture. You also have to consider the manual of the Kids Vanity Table for you to make sure the right way of cleaning and maintaining this kid’s furniture. In purchasing or buying brand new kids vanity table the manual is a must.

You have to consider the maintenance of the Upholstered Furniture if are planning to buy for this. Maintenance of the Upholstered Furniture is one of the most important. Without proper cleaning and without planning maintenance your beautiful and expensive Upholstered Furniture can easily look old and dirty, so you have to make sure that you know how to clean your Upholstered Furniture properly. The usually common factors that hastens the aging of your Upholstered Furniture is the constant wear and tear, direct light and sunshine and dust that normally happens if you don’t how to maintain your Upholstered Furniture. For you save money on more furniture expenses you should clean and maintained the beautiful appearance of this kid’s furniture. Cleaning and maintaining your Upholstered Furniture is very important. Always keep this kids furniture in the right way for you not to end up wasting money in repairing or remodeling this furniture. Except to the manual you can also find useful ways of cleaning and maintaining this furniture in the internet. There lots of websites that that explain have a brief description about that product. They also explain the materials use in that furniture.

When you are shopping Childrens Furniture also always consider your budget. Considering your budget is very important. You should do a make a list of the furniture that you are planning to buy for your kids and a surveying price is also advisable.  Different kinds of kid’s furniture stores have different prices of their entire products just like Kids Bedroom Furniture, Kids Computer Desk, Kids Vanity Table, Upholstered Furniture, etc. In choosing for any childrens furniture you should go to the right stores that open in the market today. Many shoppers want to touch the items or product personally before they pay or buy for it and they do inspect if the items or products have defects. But there’s also shopping online the in these days. If don’t have time to shop in the market you can also try this way of shopping. You can save time in shopping online. All have is a reliable computer that has internet connection. Shopping online show pictures of the items or products and you choose from the wide selection of Childrens Furniture that comes in different styles, designs and sizes. Make sure that you get the right childrens furniture that fits your needs.

Tags: Kids Bedroom Furniture | Kids Bedroom Furniture | Upholstered Furniture | Childrens Furniture | Childrens Furniture | Kids Computer Desk | Kids Vanity Table | Kids Vanity Table

Insuring your Mortgage Payments

April 14th, 2009

You have the choice of insuring your mortgage payments so that in case you become unemployed, ill, or disabled and are unable to pay for your monthly mortgage payments, the insurance company will take care of the payments.  This way, you won’t default on your loan and risk losing your home.  Not all homebuyers opt for mortgage payments insurance to protect their mortgage payments because it is not required by the lender and it is an additional expense.  Lenders only require insurance of payments in cases when you are unable to pay a minimum 20% down payment.  This type of insurance is called Private Mortgage Insurance (PMI)—it only protects the lender from losses but will not protect you, the borrower, from foreclosures.  In this case, mortgage payment protection insurance (MMPI) policy may be more beneficial because it protects both the lender and the borrower.   

What to look for when getting MPPI

When choosing an MPPI policy, you have to look at two main factors: when the payments start from the time of the claim and how long the payments last.  Most payments from MPPI policies will start 30 to 60 days after the claim.  Depending on your savings and your ability to cover the payments in case that you become unemployed or sick, you can opt for a shorter or longer period before the insurance company starts paying. A policy with a longer deferral may be more affordable than one that pays immediately. However, if you find a company that offers the same mortgage payment protection quotes but a longer deferral, then you should go with the one who pays soonest but offers the same rate.  The other important factor you should consider is how long the payments last for.  Typically, MPPIs cover 6 to 2 months of mortgage payments but some policies can also cover up to 24 months.  What you have to think about is how much time you’ll be able to recover and find another job to continue your mortgage payments on your own.    

Cost of MPPI

The cost of MPPI will depend on the amount of your monthly mortgage payments. The higher your monthly mortgage payments, the more MPPI you have to pay for.  On average, the monthly cost of an MPPI with 12-month coverage is 2.5% of monthly mortgage payments.  At this rate, the payments will start 30 days after the claim (which is the minimum deferral period). This means that to protect a £600 monthly mortgage payment, you have to shell out around £15 a month.  Cumulatively, MPPI could be rather expensive.  Using the previous example, a £15 a month MPPI payment will add up to £180 a year. Over the life of a 20-year mortgage, the MPPI payments add up to £3,600.  Thus, before thinking of getting a mortgage payment protection insurance policy, make sure that it will cover what you need so that the extra expense is worth it.  

What MPPI covers

There are various insurance brokers that offer different types of MPPI policies. A good policy should have the shortest deferral period as possible, which is one month from the time of the claim. 12 months is already adequate coverage. One year should be enough for you to look for a new and stable job should you get unemployed from your previous job. It is also enough time to recover from an illness or a temporary disability.   MPPI will cover mortgage payments in case of involuntary unemployment (when you get fired from your job through no fault of your own), sickness and accident, and in case you get hospitalised.

Who shouldn’t get MPPI

Not all claims will be honored by the MPPI policy. There are certain restrictions that govern payments.  For example, if you already knew that you were going to be made redundant and you still got an MPPI, this will nullify your claim.  If the company already informed the public that there will be redundancies in the near future and you filed a claim thereafter, then your claim will be invalidated.  Also, before any claim can be made, six months of payments should have passed.   If you work part-time, work under a short-term contract, or are self-employed, you are not eligible to get an MPPI. You need to have a secure source of income for you to be eligible.  You are also excluded in making a claim if you have a pre-existing medical condition, are over the age of 64, or have reached the retirement age since there is a higher risk involved in insuring your payments.  There is no need for you to get an MPPI policy if you have enough savings to cover at least one year of your mortgage payments in the possibility that you become unemployed, ill, or temporarily disabled.  In cases of permanent disability or death, you might want to look at other types of insurance such as life insurance and mortgages.    

Where to buy MPPI

There are mortgage lenders that sell MPPI bundled with the monthly mortgage payments. If your mortgage lenders offer this to you, take note that this is optional and you do not have to pay for it if you do not want to insure your mortgage payments. However, you will still be required to pay some other type of insurance such as home insurance or buildings and contents insurance.  If you make a down payment that is below the standard 20%, the lender will also require for you to pay Private Mortgage Insurance as explained in the first paragraph of this article.  When getting MPPI, it is best to go with an independent source.  Mortgage lenders usually charge as much as five times in premiums compared to the independent providers.  Check the terms and conditions of the MPPI policy to see if it provides the coverage that you need. Make sure that you are eligible because it will be a useless expense if in the end you won’t be able to make a claim due to some technicality.           

Tags: Mortgage payment protection quotes | Mortgage payment protection quotes | Buildings and contents insurance | Buildings and contents insurance | Life Insurance and mortgages | Life Insurance and mortgages | payment protection insurance | Mortgage payments insurance | Mortgage payments insurance

Who Are Dun and Bradstreet

April 13th, 2009

Dun and Bradstreet is a merged company of two of the most well known business credit agencies in the US. They work to provide companies with credit information for a business loan, as well as tips for how to run your business guided by the statistics that they have gathered over a period of over 150 years. You can meet with a Dun and Bradstreet associate at one of their locations or on the web.

The company began in 1841 when Lewis Tappan, the great grand nephew of Ben Franklin, started The Mercantile Agency in New York City. He gathered information from businesses that became the first source of consistent data to help businesses grow. Later the company was given to Benjamin Douglass and afterwards his brother-in-law Robert Graham Dun, whom the company was renamed after.

In the beginning years the company serviced some of the best known and respected companies known today, and has employed people including William McKinley, Grover Cleveland, Ulysses S. Grant, and Abraham Lincoln. It expanded across the US and later on across the globe.

In 1849 the Bradstreet Company was founded in Cincinnati, which would become one of the biggest rivals to Dun & Company. By 1933 the two companies had merged together to form D&B. Together they invented The D&B D-U-N-S® Number which is now the standard way to identify each business in the U.S., United Nations, and in the European Commission.

Together Dun and Bradstreet have gathered information on about 140 million records for businesses. This information is used to give business owners advice on the best decisions while running their business. It is also used to compile records for keeping track of your business credit score, which is used by banks and other lending companies when determining which businesses they should give credit to. Some business use Dun and Bradstreet to learn their paydex score as well. A paydex score is given based off of how long it takes you to pay past due balances.

Banks don’t want to extend corporate credit lines to businesses they feel won’t be able to keep up with the payments. Companies like Dun and Bradstreet work to provide these companies with business credit report information so they can make decisions based off of a reliable and consistent source. Just like personal credit, business credit is only established when financial activities are reported to the credit agency. If you are seeking to build your business credit score you will have to make sure that the company reports your payments, otherwise it will take no effect on your score.

The first step to establishing business credit is to get a business credit card. For this you will need a secure a good personal credit score and obtain all of the necessary documents to prove you own a business. Very few banks will lend small businesses money right away because they don’t have any corporate credit.

After a couple years of on time payments you should have no problem getting a business loan from a bank or lending company. As a business owner it is your responsibility to make sure that your business credit report is maintained with all of the major business credit companies.

Tags: business credit report | corporate credit | business credit | business loan | business loan | paydex score | paydex score

Lean The Secrets of the OC192

April 13th, 2009

An OC192 is an optical circuit that transmits data at a high rate of speed.  The OC 192 is an extremely large group of t1 circuits.  The OC 192 is capable of transmitting data at 9.6 gigabits per second.  

It is the fastest connection speed or bandwidth available with current technology.  An OC192 is the largest configuration of t1 circuits you can get.  It is equal to 21,504 T1 standard circuits.  

An OC192 is used primarily as a backbone for ISPs or for very large companies and organizations that rely heavily on transmission of voice and data communication

An OC192 works just like a T1 line does.  The OC192 is engineered specifically for you and installed per your requirements.  The facilities needed for an oc192 are great and therefore the engineering and installation process may be quite long, as the local Telco will need to ensure that the proper infrastructure is in place.  Therefore, much planning is necessary to execute the OC192.  

The OC192 transmits data at the fastest speed possible, giving you the largest bandwidth there is.  You can’t get this type of bandwidth through any other method.  The bandwidth is large enough to support large multiple web sites, streaming video, extensive graphics, and any other application available.  

The bandwidth will also prepare you for future technology, when it becomes available you won’t need to upgrade your service in order to be able to use it.  This large bandwidth will enable you to stay on the cutting edge of technology.

The OC192 is configured specifically for your business.  You can use the OC192 for voice, for data or for a mixture of both.  The enormous capacity makes it a good choice as a backbone for ISP providers as well as large campus environments.  

The OC192 is extremely reliable technology.  The circuits are constantly monitored from the Telco to ensure that they are working properly.  You can also increase your service level by using CSUs (customer service units) on your circuits.  The OC192 consists of a series of T1 lines that are terminated on smart jacks in the telephone room.  

These are then extended either into your telephone system or data network, depending on your application. The CSU is a piece of equipment that the T1′s plug into that serves as an intermediary point.  This unit helps to determine when there is a problem and aids a technician in troubleshooting by providing loopback capability so they can see where the problem originates.  

If there is a problem with one of the circuits it is usually easily and quickly resolved.  It can often be fixed remotely, sometimes before you even realize that there is a problem.  An OC192 is obviously an expensive solution.  However, the OC192 is far less expensive than using the equivalent amount of regular telephone lines.  

It also takes up much less space in the telephone room than the equivalent of that many individual telephone lines.  t1 lines require much fewer wires to provide the same amount of lines.  

An engineering specialist can help you to determine whether the OC192 is a good fit for your business based on your requirements.  If you have a large or extra-large campus and provide voice and/or data circuits you are a candidate for the OC192.

Tags: t1 circuits | t1 lines | oc192 | t1