Facilities Operation_Strategic Sourcing_Supply Chain Management ResumeG. Patrick Brown, MBA
George Brown is an entrepreneurial executive with over 25 years of experience in contract management, government sales, and NASA research facility operations. He holds an MBA and has successfully managed contracting activities exceeding $15 million. He is currently seeking new career opportunities that leverage his skills in strategic planning, procurement, project management, and customer relations.
El documento describe las prácticas de producción de carne de McDonalds y KFC, alegando que usan organismos geneticamente manipulados en lugar de ganado vacuno o pollos reales. Según la fuente, McDonalds cría "cosas" sin patas ni cuernos que son alimentadas por tubos y carecen de ojos, cola y huesos. KFC también usa organismos modificados genéticamente que viven conectados a tubos. El documento advierte que el consumo regular de estas carnes puede causar daños a la salud a larg
McDonald's abrió su primer restaurante en 1940 en California. Ray Kroc visitó este restaurante en 1955 y expandió la cadena por Estados Unidos y el mundo. Actualmente McDonald's tiene presencia en 119 países con más de 31,000 restaurantes que atienden a 58 millones de clientes diarios. La Big Mac fue creada en 1968 y se ha convertido en un ícono de la marca.
Este documento resume las palabras de Jesús a sus discípulos en la Última Cena, donde les dice "Tengan valor: yo he vencido al mundo". Aunque Jesús pronto será crucificado, su victoria viene de su amor al dar su vida por la humanidad y resucitar. Esta victoria les da valor a los discípulos y a los cristianos para enfrentar las luchas de la vida, confiando en que Jesús ya ha vencido y les da la fuerza para triunfar también.
O documento repete várias vezes o endereço eletrônico www.bbom.com.br/bbom_wellsc, sugerindo que fornece informações ou recursos sobre o tópico "bbom_wellsc" no site "bbom.com.br".
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
Facilities Operation_Strategic Sourcing_Supply Chain Management ResumeG. Patrick Brown, MBA
George Brown is an entrepreneurial executive with over 25 years of experience in contract management, government sales, and NASA research facility operations. He holds an MBA and has successfully managed contracting activities exceeding $15 million. He is currently seeking new career opportunities that leverage his skills in strategic planning, procurement, project management, and customer relations.
El documento describe las prácticas de producción de carne de McDonalds y KFC, alegando que usan organismos geneticamente manipulados en lugar de ganado vacuno o pollos reales. Según la fuente, McDonalds cría "cosas" sin patas ni cuernos que son alimentadas por tubos y carecen de ojos, cola y huesos. KFC también usa organismos modificados genéticamente que viven conectados a tubos. El documento advierte que el consumo regular de estas carnes puede causar daños a la salud a larg
McDonald's abrió su primer restaurante en 1940 en California. Ray Kroc visitó este restaurante en 1955 y expandió la cadena por Estados Unidos y el mundo. Actualmente McDonald's tiene presencia en 119 países con más de 31,000 restaurantes que atienden a 58 millones de clientes diarios. La Big Mac fue creada en 1968 y se ha convertido en un ícono de la marca.
Este documento resume las palabras de Jesús a sus discípulos en la Última Cena, donde les dice "Tengan valor: yo he vencido al mundo". Aunque Jesús pronto será crucificado, su victoria viene de su amor al dar su vida por la humanidad y resucitar. Esta victoria les da valor a los discípulos y a los cristianos para enfrentar las luchas de la vida, confiando en que Jesús ya ha vencido y les da la fuerza para triunfar también.
O documento repete várias vezes o endereço eletrônico www.bbom.com.br/bbom_wellsc, sugerindo que fornece informações ou recursos sobre o tópico "bbom_wellsc" no site "bbom.com.br".
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
How to Identify the Best Crypto to Buy Now in 2024.pdfKezex (KZX)
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
How to Identify the Best Crypto to Buy Now in 2024.pdfKezex (KZX)
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
2. Debt Consolidation
Making Smart Payments
Why Consolidate Debt?
People consolidate debt in order to reduce their monthly payments. With a
consolidated loan, financial institutions such as banks and credit unions pay off
all of a consumers loans and replace them with a single "consolidated" loan of
all the combined debt, usually at a lower, fixed interest rate. Consumers can
use consolidated loans to pay of debt on automobiles, credit cards, student
loans, medical bills, etc.
If you can't meet your minimum monthly payments, if your loan or loans still
have a lot of life left to them, or if you can get a lower, fixed rate, then it may
be worth it to consolidate. But there are some questions to ask yourself first:
Are you willing to extend the life of your loan in exchange for lower
payments? This is typically how financial organizations are able to offer
consolidated loans at such lower rates.
Are you ready for a new 20 or 30 year commitment? And most importantly, are
you aware that when you consolidate your debt and extend the repayment term,
while it reduces your monthly payments, it will actually increase the total
dollar amount of interest youÕll pay over the long haul?So ask yourself, how
close are you to paying your loans off? It may be more trouble than itÕs worth,
and way more costly, to consolidate for a lower rate if you only have a few
more years of payments under you existing loans.One of the most common
ways to consolidate loans is to use the equity in your home. This can be as
risky a venture as it is convenient. To consolidate this way, you would be
turning unsecured debt into secured debt. You now have even more to lose than
before if you should default on your new consolidated loan. At least with your
current loans you donÕt have the items you purchased on your credit card
taken away from you. But with a home equity consolidated lender will not
hesitate to take your house if you fail to make your payments.
Another type of consolidated loan to beware of is the consolidated loan that
offers you an unbelievably cheap interest rate even if your credit is lousy. The
catch with this type of consolidated loan is the exorbitant application fee. If
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3. Debt Consolidation
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you can afford the application fee, you're better off applying that same amount
to paying off your debt. Plus, there are so many wolves in sheep's clothing
offering these types of consolidated deals, you may never actually see you
consolidated loan when all is said and done.With those warnings in mind, it
may still be well worth your while to consolidate debt, and to do it sooner than
later. For one, the opportunity to consolidate debt may not be around for very
much longer. Both congress and the President are considering legislation that
could turn fixed interest consolidated loans into variable rate loans, or get rid of
consolidated loans altogether.
If you chose not to consolidate your loans, or are unable to for any reason to
consolidate, you could also consider having payments automatically deducted
from your bank account on a regular basis. While it doesn't lower your
expenses like a consolidated loan, it does ensure that your payments are made
on time, and it will help you improve your credit score.
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Why Do You Have To Consolidate?
The primary reason to consolidate debt is to make your monthly payments
smaller. When financial institutions, like credit unions and banks, offer
consolidated loans, what they are offering to do is pay off in full all of a
consumer's loans (credit cards, car loans, hospital bills, student loans, etc.) and
lump the entire debt into one single "consolidated" loan that generally has a
fixed interest rate that is much lower than the cumulative finance charges of all
the smaller loans.
So if your monthly payments are getting out of control, if you've got decades
left of payments ahead of you, and if there's an attractively lower, fixed interest
rate you find yourself eligible for, a consolidated loan may be just the thing for
you. But it may not be. Read on:
While a consolidated loan offers you smaller monthly payments, you're
typically agreeing to years, possibly decades, more of debt. This is how such
low interest rates are even able to be offered in these consolidated packages.
Do you want to be paying off this debt for 20 more years? How about 30?
And don't forget: when you consolidate debt, you end up paying more in
interest for having stretched your payment period out an extra decade or more.
Is it really worth it to commit to all those finance charges just to have a bit of
extra cash month to month, especially if the terms of your loans are almost up?
It might be.
A common way many homeowners consolidate their debt is by borrowing
against the equity in their homes. This type of consolidated plan, while
convenient, is not without its inherent risks. Currently, your debt is unsecured,
but if you consolidate it all under a home equity consolidated loan, it becomes
secure debt. If you default on this new, consolidated loan, you have much more
to lose.
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5. Debt Consolidation
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At least under your current loans you wouldn't, for example, lose the education
you received thanks to all that financial aid you got, should you be unable to
pay it off. With a home equity consolidated loan, lenders won't hesitate to seize
your home if you don't pay.
You have probably seen and heard many of those consolidated loan ads
appealing to the hand-to-mouth set with abominable credit scores. If you've
always thought there was a catch to these consolidated loan package
promotions, you were absolutely right. The initial application fees for these
types of consolidated loans are tremendous, and it is entirely possible you will
never see the consolidated loan promised you.
But not all consolidated loans fit these scenarios. You may still be the perfect
candidate for a consolidated loan, and there are many legitimate consolidated
loan companies out there to help you consolidate right. If you do decide to
pursue applying for a consolidated loan, you may wanted to get started as soon
as you can. Congress and the President both are tossing around ideas for
possible legislation either curtailing or eliminating such consolidated loan
packages.
But if you can't or don't want to consolidate your loans just yet, you do have
other options, not necessarily for lowering your monthly payments, but if
nothing else for helping you stay on a path to good credit. Most lenders will
now assist you in setting up automatic payments from your checking account.
You still have to make sure the money is there to be withdrawn, but the
chances are certainly greater that you will make your payments on time and get
that much closer to being debt-free.
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6. Debt Consolidation
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What is Debt Consolidation?
Debt consolidation what is it? It is a process by which credit counseling
copanies can negotiate with your creditors to obtain the lowest monthly
obligation they can needed to satisfy all of your current credit card accounts.
So what you would do is pay a one low monthly to the debt consolidation
company, in turn they then portion out that payment to your creditors for you.
This monthly payment will in most cases be lower than the sum of your
individual account obligations that you have now.
Our credit counseling web site is designed to help you in take charge of your
credit card debt.
Most Creditors will recognize that people who enter a debt consolidation
program are trying to repay the debt they have in good faith. Creditors will be
more willing to extend favorable terms to such clients in the hope that they can
avoid the significant expense of turning the account over to their collections
department or avoid an extended drawn out process if the account holder
decides to goes through the expense of declaring bankruptcy.
Most debt consolidation companies only deal with unsecured debt which is
when a creditor holds no collateral. For example, an unsecured debt is usually
in the form of: credit cards, department store cards, medical bills, and gas
cards. No form of collateral such as a home or car was utilized to secure the
"loan" for services rendered or goods received. With a secured loan, and as a
precaution against "default" (non payment) what is used as "collateral" for the
loan could be liquidated
This is not a loan, so no credit checks are needed. Debt Consolidation is
confidential and discreet, so there's no need to worry about employment,
reference verification or credit history assessment. This can be accomplished
from the comfort and privacy of your home, so there's no need to worry about
transportation, sitter arrangements, time away from work or embarrassing
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face-to-face consultations. We provide the total debt solution when it pertains
to credit counseling and you becoming debt free.
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What is Debt Management
Debt Management is a very simple financial concept hire a qualified Debt
Counselor or certified Debt Management Company to pay your unsecured
debt.
The Debt Management Company you hire will relieve and eventually reduce
your debt by managing your assets effectively and negotiating with your
creditor regarding interest rates and monthly payments. This is not a loan so
you are no obligated by any contract or other binding paperwork associated
with a Debt Management Plan.
When choosing a Debt Management Company you want to make sure and
beware of several things. First, make sure the company registered with the
Better Business Bureau (BBB) and has been rewarded the "Reliability
Program Online Seal." Second, beware of any companies who want to charge
more than $50.00 a month to open your account and work with your creditors.
Third, make sure the company is able and willing to answer all your questions,
if you feel that the company is "beating around the bush" don't waste your
time; find another company. Last, if you feel pressured by the Debt
Management Company, run, more than like that feeling will not go away.
Once you choose a company and feel comfortable working with them. They
will get you started on your way to a debt free future. There are several steps
that are generally followed by Debt Management Companies. The first step is
listing all your creditors and the amounts owed for each. Remember, not all
creditors are eligible to be included in a Debt Management Plan. The second
step is listing all incomes and expense i.e. mortgage, car payments and cost of
living payments. The third step is deciding how much of your income is
available to contribute to your Debt Management Plan. Your Debt Counselor
will try their best to settle any debt and eliminate interest rates. The fourth step
is reviewing and approving your Debt Management Plan. Make sure you
understand everything and read the fine print. This last step is crucial; it
ensures that you're not in the dark regarding the amount of money being paid
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9. Debt Consolidation
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out.
As with any financial product there are advantages and disadvantages working
with a Debt Management Company. One advantage is the company can lower
or eliminate the high interest rates and fees associated with credit card debt.
The company can also settle your debts for nearly half of the balance. You only
have to make one monthly payment instead of five or ten. The biggest
advantage is you will no longer have to communicate with creditors via mail,
phone or Internet.
One disadvantage is that creditors to not have to agree to participate in your
Debt Management Plan or lower your interest rates. This would still allow
some of your creditors to communicate with you and take legal actions against
you and still charge you interest and other fees regardless of payment efforts.
Also, any settlement agreed upon between your Debt Management Company
and your creditors will show on your credit report.
Keep in mind that this is your decision so it is important for you to be
comfortable with it. Ask around, see if any of your friends have worked with a
Debt Management Company or know anyone who has. Remember, your
Debt Management Company will get your started but it is up to you to finish it.
Hopefully you will learn how to make educated financial decisions, which will
keep you on a debt free path.
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10. Debt Consolidation
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When Your Debts Get Tougher
Financial problems are ones of the most difficult to solve.
We cannot do away with them because there will be points of our lives when
we need to ask somebody to lend us some amount: big or small. Inevitable
situations like death of the breadwinner in a family, terrible sickness or any
emergency for that matter and so many credit cards to pay for. These push
someone to lend money.
You can lend money in the fastest way available now. With an advanced
system of money lending today, you will really be tempt to give it a try.
Borrow fast and pay slow or possibilities may not be favorable to you. Worst,
you will have a hard time paying for them. This is where bankruptcy knocks
on. Bankruptcy is fatal. Yes, it is a figurative way of telling how bankruptcy
may bring the most negative effects to a person or to a home.
When one faces this so tough problem, the bankruptcy laws with a lawyer’s
help may ease the burden. Your lawyer may give u good advice like talking to
your creditor asking them to lower down a bit or ask them to give you more
time to pay. Another option is to seek advice from a credit counseling service.
Private or public, they will help you deal with this situation and may help you
negotiate with your creditors. The last available option is debt consolidation.
US bankruptcy laws offer two options for bankruptcy. One can choose between
liquidation plan and repayment plan. These have both advantages and
disadvantages. Consider all the sides of the situation and choose what suits you
best.
You start your move to survive against bankruptcy by bankruptcy proceedings.
This is commenced by filing bankruptcy forms. One gives his or her personal
information. This includes your list of assets and liabilities. A meeting with
one’s creditors will happen after a month. In most cases, creditors do not show
up. This meeting aims to ask and confirm what one has written on the form. An
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11. Debt Consolidation
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interrogation will let you answer questions regarding your assets and liabilities.
One’s lawyer is always there to help him or her out.
Under the bankruptcy laws, its will protect you from the harassment of your
creditors before the proceeding starts It means you will not experience all those
pressing calls forcing you to pay as soon as the next day. Creditors are not
allowed to contact you during unreasonable hours. In addition, creditors must
not leak your situation in your workplace. It will just modify the way your
work image to your boss. Moreover, creditors are asked to cancel any means of
hurrying you up to pay. Another important point is that your current employer
is not allowed to use your bankruptcy as a reason for firing you out of a
company.
A trustee appointed by the court will work with you after you have filed your
bankruptcy forms. In the liquidation proceeding and repayment option, the
trustee portrays different roles. He has the role to sell your assets and the
money acquired will be distributed among your creditors. That is his role on
the former. On the latter, he has the role of collecting payments from you and
he will distribute them to your creditors. He also takes control in approving any
of your new credit obligations.
After the bankruptcy proceedings, the court will end your accountability to
dischargeable debts. For a span of ten years, all your bankruptcy proceeding
records will be noted. Within this span of time, this record will be considered
by any agency or person you wish to transact business with. The proceeding
and all is not for free but one will not pay too much. An amount for the forms
is the only thing to pay for. For a repayment option, one needs to pay like 10%
of the amount you paid for the creditors. Lawyer’s fee may soar but the result
will send one to greater heights.
Bankruptcy is inevitable. It may be the test of fate. But do not even let it test
you.
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12. Debt Consolidation
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What Is Debtor Education?
A debtor education course by an approved provider should include information
on developing a budget, managing money, using credit wisely, and other
resources. Like pre-filing counseling, debtor education may be provided in
person, on the phone, or online. The debtor education session might last longer
than the pre-filing counseling – about two hours – and the typical fee is
between $50 and $100. As with pre-filing counseling, if you are unable to pay
the session fee, you should seek a fee waiver from the debtor education
provider.
Once you have completed the required debtor education course, you should
receive a certificate as proof. This certificate is separate from the certificate
you received after completing your pre-filing credit counseling. Check the U.S.
Trustee’s website to be sure that you receive the certificate from a debtor
education provider that is approved in the judicial district where you filed
bankruptcy. Unless they have disclosed a charge to you before the counseling
session begins, debtor education providers may not charge an extra fee for the
certificate.
Important Questions to Ask When Choosing a Credit Counselor
It’s wise to do some research when choosing a credit counseling organization.
If you are in search of credit counseling to fulfill the bankruptcy law
requirements, make sure you receive services only from approved providers for
your judicial district. Once you have the list of approved organizations in your
judicial district, call several to gather information before you make your
choice. Some key questions to ask are:
What services do you offer?
Will you help me develop a plan for avoiding problems in the future?
What are your fees?
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13. Debt Consolidation
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What if I can’t afford to pay your fees?
What qualifications do your counselors have? Are they accredited or certified
by an outside organization? What training do they receive?
What do you do to keep information about me (including my address, phone
number, and financial information) confidential and secure?
How are your employees paid? Are they paid more if I sign up for certain
services, if I pay a fee, or if I make a contribution to your organization?
For More Information and Assistance
The U.S. Trustee Program promotes integrity and efficiency in the nation’s
bankruptcy system by enforcing bankruptcy laws, providing oversight of
private trustees, and maintaining operational excellence. The Program has 21
regions and 95 field offices, and oversees the administration of bankruptcy in
all states except Alabama and North Carolina.
If you have concerns about approved credit counseling agencies or debtor
education course providers, such as the failure to provide adequate service,
please contact the U.S. Trustee Program by email, or in writing at Executive
Office for U.S. Trustees, Credit Counseling and Debtor Education Unit, 20
Massachusetts Avenue, N.W., Suite 8000, Washington, D.C., 20530. Provide
as much detail as you can, including the name of the credit counseling
organization or debtor education course provider, the date of contact, and
whom you spoke with.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair
business practices in the marketplace and to provide information to help
consumers spot, stop, and avoid them. To file a complaint or to get free
information on consumer issues contact the FTC toll-free, 1-877-FTC-HELP
(1-877-382-4357). The FTC enters Internet, telemarketing, identity theft, and
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14. Debt Consolidation
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other fraud-related complaints into Consumer Sentinel, a secure online
database available to hundreds of civil and criminal law enforcement agencies
in the U.S. and abroad.
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15. Debt Consolidation
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Using A Loan For Debt Consolidation
If you have a variety of debts, then you may find it hard to keep up with when
and where you should pay money, and you may also be paying more than you
need to. If this is the case, then you should think about getting a debt
consolidation loan. This means you can take all your debts and put them into
once place, which will make it easier to budget each month and also reduce
your monthly payments.
Why get a debt consolidation loan?
The main reason to get a debt consolidation loan is to get out of immediate
debt the fastest way possible. By borrowing a large lump sum of money, you
can pay off your existing debts and then pay back one monthly repayment.
Although this payment may be lower than your current repayments, it is likely
to take longer to pay off. Despite this, it gives you a fresh start and allows you
to begin to move out of debt.
How can I consolidate debt?
Although the simplest way to consolidate your debt is to get one large loan,
there are many other ways that you can consolidate your current debts and so
reduce your monthly payments:
Credit card transfers
One way to reduce your monthly payments is to transfer credit card balances to
new cards with a 0% fee. This can be useful if you can pay the debt off within
the special offer timeframe, although it can be time consuming to keep
switching between cards.
Home equity loans
One of the best ways to consolidate your debts is you’re a home equity loan.
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16. Debt Consolidation
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By securing a loan against your home equity, you will get the best interest rates
and also be eligible for tax deduction against some of the interest. The only
problem is that if you cannot make the repayments, you will lose your home
equity or even your entire property.
Another problem is that home equity loans are usually over a longer period,
meaning that even if you save money in interest, the additional length means
you might end up paying more back than your current debts.
Retirement funds
You can often access your retirement funds as a loan from your employers,
although this should only be used in an emergency of if you have nowhere else
to turn. Using your retirement fund can speed up the debt repayment, but may
leave you with less money in the future, and if you quit your job then the loan
will be recalled in full with immediate effect.
Renegotiate with your current lender
If your debt problems relate to your mortgage, then the only way to consolidate
your debts or improve your situation might be to negotiate your current terms.
Most mortgage lenders would rather renegotiate than repossess your home, as
they will lose out if you default. Stretching out payments may help you to
better manage your debt when you need to the most.
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17. Debt Consolidation
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What Are Debt Consolidation Benefits?
Today, most people are holding more than one credit card and many people are
taking loans such as home loan, personal loan, auto loan & etc. Different
monthly due of each credit card and loan may make you hard to manage your
payment. This may cause late payment or miss payment occur which may
impact your credit rating. The situation becomes even worse if you just make
the minimum payment each month, the interest and financial charges are
stacked over the debt. If you are in this situation, debt consolidation is your
option to bring your financial back to manageable stage.
Let review what are the major benefits of debt consolidation you can enjoy by
choosing this option.
1.Consolidate multiple payment into one monthly payment
Each credit card and loan has different monthly due date, with the debt
consolidation, you can combine these multiple monthly payment into one.
After the debt consolidation, you will only need to remember only one due date
and make only one payment, debt consolidation has made your life easier in
management your debts and the chance of being late is minimized.
2. Reduction or elimination of the accrued interest and penalties
When you are making only minimum payment each month on your credit card
accounts, the interest and financial charges are stacked over the debt. Hence the
total debt amount continues to grow like mushroom. What a debt consolidation
program can offer is eliminates the portion of your total debt built up by
interest and other financial charges; hence, the total debt amount is reduced
consequently.
For example, if your $3000 debt has accumulated to $5000 which the $2000 is
incurred by interest and financial charges, the debt consolidation program will
first eliminate or reduce the $2000 from your debts.
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3. Reduced interest rate
The counselor will be able to negotiate on your behalf with your creditors to
get a much lower interest rate. With the new lower interest rates, the monthly
payments are also less than what used to be earlier.
For example, you have 3 credit card accounts with 18%, 12% and 9% interest
rate, you are paying an average of (18%+12%+9%) / 3 = 13% of interest rate.
If your consolidation program can reduce your interest rates to 12%, 10% and
7%, you are paying an average interest rate of 9.67% after your debt
consolidation.
4. Your debt free life is accelerated
A successful debt consolidation program can make one debt free within 2 to 4
years and saves some money for you. Debt free life is a dream for many
debtors, debt consolidation with an effective repayment plan in place, you will
be able to realize your dream and enjoy your debt free life sooner than you ever
dream of.
5. Get rid of collection calls
By placing your debts under debt consolidation program you can avoid
harassing collection calls too. The consolidation company you are working
with will notify your creditors that they will be representing you from then on.
6. Obtain a good credit
Late payments and charged-off accounts make your credit report look bad and
your credit score goes down consequently. With the debt consolidation
program, your accounts start to get paid off eventually. As a result, you will
building a good credit into your credit report and rise your credit score.
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In summary
Don't let your debt lead you into financial crisis, consolidate all your hard to
manage monthly payments into single payment with the reduced interest rates
not only can save you some money, it will help you to bring your financial into
a manageable level.
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What Is Accelerated Debt Consolidation?
Are you burdened with debts? Are you finding it harder each month to meet the
minimum payments for your debts? Your debts are piling up every month,
creditors' calls make your feel very stressing; and you are praying every day
hoping some miracle will happen and get you out of debt. If you in such bad
debt situation, accelerated debt consolidation could be the best solution for
your debt dilemma.
In the debt consolidation, you are combining multiple, high-interest loans
(debt) into a loan with a single monthly payment on a lower interest rate. Debt
consolidation allows you to pay down more principle each month, often lowers
monthly payments, and allows the balance of your debts to be cleared faster.
Your debts can be categorized into two types, unsecured debts and secured
debts. Unsecured debts are the money you borrow from your creditors without
the need of any collateral. Common unsecured debts include credit cards and
personal loans. Secured debts, on the other hand, are loans or finance packages
that are only approved with a pledge of your collateral in exchange for a certain
amount of money and the creditors have lien on the pledged collateral.
Common types of secured debts include mortgages, car finance, and loans on
personal property. If you fail to pay your creditor in this case, you will lose
your car or house or property.
Accelerated debt consolidation is quit similar with regular debt consolidation
but it only counted in your unsecured debts. Although there is some exception,
most accelerated debt consolidation programs will not include your secured
debts; they will only take your unsecured debt.
When you enroll into an accelerated debt consolidation program, the counselor
from the debt consolidation company will first understand your current
financial situation and they will group all your debts into secured and
unsecured debts. The counselor will only works on your unsecured debt and
proposes a repayment plan after communicating and get the term and
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conditions from your creditors.
If you have a relatively bad credit score and unmanageable, massive debts,
accelerated debt consolidation is probably your best option because this type of
debt consolidation only takes your unsecured debts, which are in general at
smaller amount if compare to secured debts (home loan or car loan amount
normally is larger than credit card balances) and it can enabled you to put a
debt consolidation plan in place with a short period of time, regular debt
consolidation normally takes longer process.
Most of unsecured debts are high interest debts (credit card interest rates may
range from 10%-18% and a personal loan may have interest rate as high as
12%), hence it good for you to put a plan to handle these high interest debts as
soon as possible to avoid further worsen the situation. And an accelerated debt
consolidation can be your best choice on this purpose.
In Summary
Accelerated debt consolidation is slightly different from regular debt
consolidation; it only takes into consideration on your unsecured debts. The
accelerated debt consolidation can be your best option if you are at the critical
financial situation and urgently need a plan to put in place and get your debt in
control.
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When To Use A Collection Agency
What is a collection Agency?
A collection agency is a specialized organization that acts on behalf of a
creditor to collect overdue amounts. A collection agency usually does not take
ownership of the debt but just acts on behalf of its clients to organize the
collection activity. It does not guarantee the collection.
Why do people fail to pay?
There are many reasons why people do not pay on time. A lot of the time
people just don’t want to pay. Sometimes genuine financial difficulties,
particularly of a temporary nature, are among the causes. In such cases, the
person is likely to pay as soon as his financial problems are over.
The downside of using a collection agency
The persons owing the money generally view using a collection agency with
apprehension. This makes them view the approach by a collection agency in a
negative light. This might cause them to resist any attempts to collect money
from them, even if it’s genuine. Moreover, it might result in loss of genuine and
valuable customers, from whom the money would come to you in course of
time, although they might have delayed the payment temporarily or in a
particular case.
It is, therefore, apparent that using a collection agency should generally be the
last resort. There are a few collection agencies that specialize in early
intervention on a diplomatic basis.
Use a collection Agency when the case is clear
The thing that can be inferred straightaway from the above is that you should
use a collection agency when you are reasonably certain that the party has the
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capacity to pay, is obliged to pay the amount, and is refusing or is unwilling to
pay. Also the debt should be due – in fact overdue. It’s always better to wait for
a short while and make your own attempts through reminders and follow up
with the party before you approach a collection agency.
When not to use a collection agency
You should also consider when it is inappropriate to use a collection agency.
There are many situations in which the debtor may have her own defense, and
initiation of any formal or legal proceedings may become counterproductive
and lead to unnecessary delays and complications. First of all, you should
consider whether the debtor – the person owing the money to you – has, or
thinks he has, a valid reason for not paying. If this is the case, it is very likely
that he would be prepared for a fight even if it means a prolonged legal battle.
This works to the advantage of neither of you. In such cases, it is better to first
try and sort out the issue, if possible. Among other things, this is going to
happen if the amount in question is under dispute. If this the case find out the
cause for the dispute and try to settle it through proper communication and
discussion. Another thing that might happen is that there is another claim
against you that the debtor is trying to adjust against the current debt. In this
case it is better to sort out the issue in totality.
Other difficulties and issues
Even where the debtor has no valid reason there might be circumstances under
which it might become difficult to recover the amount legally. For example the
debtor might not be solvent enough to pay the amount. Legal recourse would
only establish your right at the most, but would not obtain the payment to you.
Bankruptcy also prevents collection activities.
The cost of using the services of a collection agency
You must remember that using a collection agency involves payment of fees to
the agency itself. Another consideration is the fact that legal proceedings
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initiated by the collection agency under circumstances similar to the ones
outlined above could make your life more difficult and make the collection
process long drawn out and of uncertain outcome. Because of this, it is better
that you retain control over this process and over the decision as to if and when
to proceed legally.
When you have security
If you possess a collateral security, it is best not to proceed legally or engage a
collection agency if you can use the security to recover your amount.
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Will New Bankruptcy Laws Benefit You?
There are 2 sides to the changes in bankruptcy rules.
It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean
slate.
For businesses, relying on issuing credit, the new personal bankruptcy law is
doing great, reducing personal bankruptcy claims from the thousands to double
digits.(In the short run).
However, lawyers working with the actual people filing for bankruptcy say that
the new law is seriously flawed because it puts more financial burdens on
already broke clients and reduces potential debt repayment to small businesses.
And then of course you have the credit card companies charging high interest
rates which in quite a few cases caused the bankruptcy in the first place.
According to some financial specialists, much of the debt people accumulate is
a result of keeping up with the Joneses and not thinking ahead.
For 80% of clients counseled each month, the debt is credit card related and
averages $32,000 - a result of six to eight cards.
Consumer credit organizations say the new law provides debt-reducing
strategies for those considering filing bankruptcy and curbs abuse.
Under the new law it has become a requirement that the person filing
bankruptcy obtains credit counseling both before and after filing for which that
person will be charged..
So now the consumer would then know the advantages and disadvantages of
declaring bankruptcy. Yet it seems merely another expense for an already
financially stressed individual.
People filing bankruptcy in general are not overspenders, but merely faced with
temporary financial disasters such as medical costs, layoffs, a divorce,
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gambling debts or other crises.
Before you can file bankruptcy,you are now required to complete credit
counseling with an agency approved by the U.S. Trustees office.
This credit counseling is designed to help you determine whether or not
bankruptcy is appropriate.
Once you complete your bankruptcy, the law requires you to attend another
credit counseling session.
These are new requirements, before this law was passed the law did not require
a person to go through counseling either before or after the filing of
bankruptcy.
Second, under the old law, a person could decide to file under Chapter 7 or
Chapter 13. Under the new law, the court will look at your monthly income and
apply a means test relating to the state in which you live. If your income is less
than or equal to the medium income then you will be allowed to file Chapter 7
which in effect will give you a clean slate.
This medium income can vary from $28,000 in Missouri to $56,000 in Alaska.
If your income is greater, you may be forced to file Chapter 13 unless you can
demonstrate you do not have enough disposable income.
Under Chapter 13 you will not get a clean slate but will have to make payments
on your debts.
Also, your attorney now has to personally certify that your bankruptcy filing is
accurate. This means more work for the attorney, with higher legal fees.
Advantages of declaring Bankruptcy:
Legal protection from creditors
Takes care of all or most debt
In some cases, can keep home and car
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May stop complete financial ruin
Provides a fresh start
Disadvantages of declaring Bankruptcy:
Bad credit
May have to repay partial debt load and return collateral to creditors
May lose assets, including house and car (If the house is worth more than a
certain amount).
Bankruptcy becomes public record, and
Remains on credit record for seven to 10 years
“In the past, a bankruptcy offered a fresh start for the filer,” said Columbia
attorney Gwen Froeschner Hart. “The new federal legislation offers language
directed at helping creditors.”
If you analyze credit card expenses for most people you'll see that they often
include medical bills and day-to-day expenses for the elderly or those earning
low or fixed incomes.
Records show that 50% of credit card holders do not pay their full credit card
bills every month.
33% of the population can't afford medical insurance so have to charge their
prescription drugs.
With the recent Medicaid cuts and rigid bankruptcy legislation who knows
what is going to happen to these people.
There are some who say consumers are abusing creditors.
The irony is that credit card companies are begging for customers and offering
large amounts of unsecured credit, yet at the same time, lobbying for stricter
debt controls.
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What Exactly Does a Bill Consolidation Company Do
The burden of debt is becoming more and more common in the United States
than ever before, and many people simply can't find a way out. The reason for
this is that credit cards provide a stream of money that is so convenient, yet
extremely damaging at the same time if used improperly. Thankfully, bill
consolidation is a solution that is available from many companies, and is
becoming popular with people trying to conquer their financial troubles.
Some people would say we simply have to get rid of credit cards, as they are
obviously the biggest contributors to the epidemic of being in debt... but the
truth is, some people simply can't pay all of their expenses with cold, hard
cash. But others may spend excessively on things they don't need, while
putting themselves further and further into debt. Either way, with the high costs
of mortgages, car payments, student loans, and other costs, credit cards are here
to stay.
Eventually, your debts may add up to catastrophic amounts until you simply
can't make the minimum payments anymore. It can become difficult to even
remember when each payment is due. Also add into the equation the fact that
your interest rates could also be drastically increasing.
Bill consolidation provides a very convenient solution to this financial
nightmare. With a bill consolidation company that effectively does its job,
you'll no longer have to worry about multiple payments at all. They'll combine
everything into one convenient payment, and even deal with all of the
annoying creditor calls!
By negotiating with your creditors, they'll also drastically lower your interest
rates and monthly payments. They will be your representative and sit down
with the respective lenders in order to get the lowest rates possible. The goal is
to get you entirely financially free in the shortest amount of time possible.
Also provided by the bill consolidation company is a manageable payment
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29. Debt Consolidation
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plan. It will lay out exactly how much you need to pay per month, and create a
simple budget that you can apply to your daily expenditures. You will then be
on your way to conquering your debt and achieving financial freedom.
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