Saturday, December 29, 2012

Are You Considering Bankruptcy?

If you are struggling under a mountain of debt, and there looks to be no end in sight, no hope... Then it might be time to consider filing for bankruptcy. Bankruptcy is a form of debt relief that legally allows a debtor experiencing financial hardship to walk away from or restructure their obligations, providing a second chance to those in need. Banrkuptcy is a serious decision that can provide relief from your obligations but it comes with its own set of costs to your credit and your future that should be understood clearly before you decide if this is the right solution for you.

Bankruptcy Is A Last Resort

There are a variety of long term effecs to filing for bankruptcy that you should be fully aware of before you decide to go bankrupt. Your credit score and ability to get approval for a variety of financial instruments, including credit cards, home loans, car loans, business loans and more. In addition, a variety of other services and products use your credit as a means of evaluating risk and can be impacted. Landlords commonly check your credit when deciding on your viability as a tenant, insurance can adjust rates based on your credit and financial lenders that held balances with you that you walked away from in your bankruptcy can refuse to do business with you for life. In summary, there are far reaching consequences to declaring bankruptcy that should be fully understood before you file.

What Can Be Accomplished By Going Bankrupt

There are two types of bankruptcy, Chapter 7 and Chapter 13, each with their own advantages and disadvantages. Depending on your hardship and financial situation, there are often avenues of bankruptcy law that allow you to protect some of your assets while walking away from a number of your obligations. Recently the bankruptcy code has been changed making it more difficult than ever to navigate a successful bankruptcy, so we strongly suggest you consult a bankruptcy lawyer to discuss your situation directly.

Bankruptcy Alternatives

There are alternatives to bankruptcy even when your back is against the financial wall that you might not be aware of. Please take a look at some of the alternatives to going bankrupt that might apply to your situation and help you avoid filing.

Credit Card Debt Settlement

If you are being burdened by high interest unsecured credit card debt, you may have more leverage than you think. Credit card debt is typically not secured, meaning their are no assets tied to their repayment other than your word and credit score. Find out how you can eliminate up to 70% of your credit card debt without filing for personal bankruptcy.

Debt Consolidation Loans

You might be able to avoid going bankrupt by restructuring your debt through the use of consolidation loans. By extending the terms of your short term debt obligations, you often can reduce your monthly bills by as much as 75% providing instant relief. A new better rate loan that pays off your high interest debt can have you paying more towards reducing what you owe and put more cash in your pocket monthly to get you back on your feet.

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First, click the link below to get the powerful help you need to deal with money problems now. This will get you the immediate proactive help you need now.

Second, look around my website as there are a number of other resources to help, including industry leading offers, money tips and advice as well as do-it-yourself action plans if you prefer just to know how.

Third, with my advice you can stop bill collectors harassing you financially..You've heard it all before... I get it. But we've helped save MILLIONS already, and know all the 'tricks' in the book to help you get the most that you can.

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Sunday, December 23, 2012

The Best Kept Secret About Life Insurance

Do you love someone enough to spend your hard earned dollars on a life insurance premium -- month after month?

Because the real benefit of a life insurance policy isn't for you. It's for those you love... but after you've gone.

Life insurance is money paid to those who rely on you right now to provide a secure standard of living. They can lose this in a heartbeat.

Life insurance is money when needed the most... with no income tax or publicity.

Buying a life insurance policy is challenging because it isn't an easy subject matter to begin with.

Most people get confused about how it works and whom they can trust enough to make the purchase.

And there's a large number of companies and sales agents all clamoring for your attention.

This article will help to clarify a huge misconception about term life insurance. Also, I'll introduce you to what many knowledgable professionals consider to be the best kept secret in a life insurance policy.

Buy term and invest the difference is a phrase touted by those ... including many life insurance agents ... who have absolutely no idea how much harm it's implementation can cause.

The principle theory is you no longer need life insurance when you reach a certain age such as 55, 60 or 65.

Supposedly your kids have finished school and are doing just fine earning their own income. And you and your spouse are living comfortably on retirement savings and social security.

On the surface and to the naive, this might appear reasonable.

Now, it's easy to pick apart this hypothesis, but let's focus instead on the real problem with this scenario.

We are living longer than ever before. We may not be enjoying it very much due to poor health but, nevertheless, we're hanging on.

Life insurance companies know this better than anyone. In fact, most of them now use age 115 has a factor when calculating life insurance policy premiums.

You hear about retirees who are forced to find work at McDonald's or Wal-Mart. Have you ever joined a seniors chat room on the Internet and witnessed the concerns most of them have about running out of money before they die?

Many of these seniors are frightened to death. And what about the millions of babyboomers right behind them.

An intelligently purchased life insurance policy can be the saving grace for those you love the most.

Now, let me set the record straight. I have nothing against term life insurance. For over 24 years I've personally sold millions of dollars worth.

What bothers me ... and what I believe to be criminal ... is when term life insurance is sold under false pretenses.

Let's use a simple example.

A 35 year old nonsmoking male in excellent health can buy a 0,000 term life insurance policy for about 0 per year.

The premium is guaranteed to be 0 for 30 years. Some companies will be a little cheaper and some a little more expensive.

The buy term and invest the difference advocate would compare this to a 0,000 whole life insurance policy at ,650 per year. Once again, some companies will be higher and some lower.

Theoretically, you have ,950 to invest each year for 30 years. I say theoretically because in the real world you would never consistently invest ,950 each year.

Not the same way you would commit to a life insurance policy premium.

How do I know this? Call it human nature based on lots of experience.

But, let's give you the benefit of the doubt and say you actually do invest according to this hypothetical plan. What rate of return are you going to make over 30 years? 5% ... 8% ... 10 percent?

By the way, this question opens up another can of worms. The psychology of investing. But, we'll save that controversy for another time.

For arguments sake let's assume you get an 8% compounded rate of return each year for 30 years. This comes to 0,920.41.

Okay... so now you're 65 years old and you have 0,920.41. But guess what?

When you reach 66 your 0,000 term life insurance policy will lapse without value because the annual premium becomes ,180.

Yep, you read that right! It jumps from 0 to over 21 thousand dollars.

At age 70, it's ,430. At age 75, it's ,970.

There's no way on earth you'll pay this premium. Problem is... you aren't dead yet!

You have paid ,000 over a 30 year timeframe to have a 0,000 life insurance policy during a period of time when the odds are you would never die anyway.

Under normal circumstances you will die somewhere around age 80 -- give or take. Your loved one's investment account still won't be worth 0,000.

What's more, she will have to pay income tax on the investment gains. Remember, life insurance proceeds are income tax free.

Permit me to repeat myself. I am not against term life insurance ... as long it's purchased with an eye towards the reality of future expectations.

If your term life insurance policy is issued by a highly rated company with a broad selection of products, you will have ample opportunity to convert the term into something more permanent over the course of the 30 years in our example.

Keep in mind your age determines the length of time the term policy will have a guaranteed level premium.

You may not be able to get more than a 10 year guarantee if you are over 50 years of age.

So, exactly what is the best kept secret in a life insurance policy?

It is a universal life insurance policy that guarantees the death benefit regardless of investment performance.

Universal life is the most flexible type of policy on the market. The premium is higher than term, but lower than whole life. There are several on the market, so you must be careful.

If you decide to buy term because of budget constraints, then be certain to buy from a company that also offers universal life.

This gives you the chance to slowly convert the term into universal with the same company over the length of the term guarantee.

As your budget permits convert term into universal.

One word of caution. Long term interest rates are critical to the performance of universal life insurance.

Because they've been depressed for several years and will likely continue so, you must get the universal life with an unconditional death benefit guarantee.

Here's an example using our 30 year old male. The 0,000 universal life insurance policy premium is ,871 per year. This compares with the already discussed 0 term and ,650 whole life premiums.

Let's say you really do decide life insurance isn't important when you reach 65. By that time, you would have paid ,130 in total premiums.

Down a rat hole like the term plan? Nope!

The cash surrender value would be at least ,501. It might well be over 0,000 based on the actual competitive interest rates credited to the policy over the 30 years.

When you buy the right type of universal life you guarantee the death benefit for as long as necessary... plus you have the ability to recover your expense if you wish to cash it in.

You can benefit from the best of both worlds when you use the best kept secret in a life insurance policy.

Sunday, December 9, 2012

Political Internet Marketing, Social Media Marketing

Political Internet Marketing, Visibility and Social Media Marketing Strategies for Politicians, Lobbyist, Activist and Fund Raisers by Trent Partridge of Politics280.com

Creating Internet Visibility is a critical goal of Political Internet Marketing. You need to make sure you are on as many influential, popular and niche websites as possible.

You also need to be using key tactics and strategies that will increase your Political Internet Marketing success: Social Network Aggregation, Social Media Optimization, Online Political Brand Identity, Political Feed Aggregation, Search Engine Optimization, VideoSEO, Profile Optimization, Political Search Reputation, Internet Legacy Building, RSS Tactics and many more.

Its Not In Our Budget
The days of 'Its not really in our budget is over.' Political Internet Marketing is here to stay and it is becoming more powerful by the minute. Ron Paul raises Million dollars in 24 hours; Barack Obama essentially wins his Presidency with aggressive and smart Internet Marketing strategies. You cannot run for office, lobby, fund raise without some sort of aggressive Political Internet Marketing and Social Media Marketing strategy.

Your Political Internet Marketing Goals Should Be To:
-Get your winning message out (Influence)
-Make sure you are on a wide variety of websites (30 Minimum)
-Control your online message and reputation (Critical)
-Continue to identify key websites (Growth)

When you are marketing online you cannot have accounts only on Facebook, Twitter, YouTube, Digg and Jumptags. You will not be maximizing your Internet Visibility by being on 5 websites. I have maintained a theory from my early days on the Internet; you have to be on as many web spaces as possible. I would never set up any of my clients in any industry with 8 to 10 accounts and call that Internet Marketing Visibility. Internet and Social Media Marketing professionals like myself were creating multiple social accounts years ago. Being on 8 to 10 websites back then seemed like a small number. But now with the amount of social, niche and community websites on the web 8 to 10 websites is just not cutting it.

The media hypes a few websites (Twitter, Facebook and YouTube) like they are the only ones that matter. But there are thousands of important websites that have millions of members on them. Obviously you cannot reach all of them but you have to tackle a few. Once you understand that everyone isn't going to like the popular hyped websites then you will expand your Internet Visibility reach.

What people are saying:
-Facebook too many people promoting would rather be on Ning
-Twitter just doesn't do it would rather be on FriendFeed
-Tagged is too young baby boomers would rather be on EONS
-I like Facebook but also enjoy targeted sites like Glee, MiGente, BlackVoices

How important is your Internet Marketing Campaign?

Traditional Media Outweighed by Digital Published by SocNets.

Most Popular Media for 2010:

* Email, with 56.8% realistically planning to use it
* Social networks, at 56.3%
* Keyword search (49.7%)
* Radio (42.2%)
* Magazines (42.1%)
* Online display (40.5%)
* Event sponsorship (36.9%)
* Rich media display (35.5%)
* Direct mail (34.7%)
* Regional TV (32.8%)
* Regional newspapers (31.7%)
* Out-of-home (31.2%)
* Email sponsorship (29.5%)
* Online video (26.7%)
* Mobile SMS text (26.1%)
* National TV (18.2%)
* National newspapers (14.8%)

Obviously if you do not have a real strong Internet or Social Media Marketing presence you can possibly lose a race or not be able to effectively market your message.

Top Internet Marketing Opportunities:
1. Video Sharing - YouTube, DailyMotion
2. Social Bookmarking - Diigo, Spotback
3. Social News - Mixx, StumbleUpon, Digg
4. Photo Sharing - TinyPic, PhotoBucket
5. Podcast Audio - Odeo, AmigoFish
6. Podcast Video - PodBean, Mevio
7. Blogs - Wordpress, Blogger
8. Microblogs - Tumblr, Indenti
9. Feed Aggregators - Feedage, RSS
10. RSS Directories - Google, BlogCatalog
11. Online Press Releases - PRWeb, PRLog
12. Article - GoArticles, EzineArticles
13. PPC - Google Adwords, MSN/Bing AdExcellnce
14. Email Marketing
15. Banners - Fox, MSNBC

I gave two examples of each category but there are thousands for each one. If you are serious about any type of marketing you must touch on all of these.

Where are you in the Political Internet Marketing Landscape?

Beginner (3 to 5 websites) The media has hyped us on Twitter, Facebook and YouTube so much that for many lobbyist, politicians and activist the buck stops there. These three websites are great intro websites and I do recommend them as great starting points. But do not stop here!

Intermediate (6 to 12 websites) This person uses the above 3 and includes sites like Flickr, Digg, Linked, Daily Motion and Yahoo Video. The key here is that you have an Internet presence. However you might not have the activity required for a successful campaign.

Winner (13 to 20 websites) This is a real nice spot especially if you are in the 20 website range. Usually these people want daily message aggregation and their same message sent out to many websites. They are on Utterli, Indenti, LiveJournal, Tumblr and 4 to 5 video websites

Champion (21 to 40) If you are in a competitive race or trying to get your message out daily to people on 30 plus websites then this is definitely a must for you. You will be on social media sites like Mister-Wong, Diigo, Flurl, Mixx, Hi5, and 10 video websites. They key to Champions is their message is sent out fast and furious for immediate Internet Visibility.

Dominator (41 to 60) At this level your goal is to dominate text and video websites. Clevver, Clipmoon, VSocial, YouAre, Vidlife are a few of the 30 plus video sites you will have videos posted. Your goal is online visual visibility along with traditional Internet Visibility. A lobbyist, politician or activist who signs up for this type of program clearly wants to dominate the narrative online.

Message King (61 to 80+) When you are at this level you are truly going for the gusto. You will have guaranteed internet impact and your message will be passed virally.

Super Bowl (81 to 140) Clients who we have worked with in this arena just want no excuse for not getting their intended message out. They believe in maximizing their chances of winning by all means necessary.

Why Not?
I get emails, articles and video from politicians, lobbyist, fund raisers and activist all the time and I can tell they are not maximizing exposure. If you have a message and you are trying to get it to the masses local, regional or global why are you not taking advantage of the opportunities that are out there? Why are you not consulting with a Political Internet Marketer to help you plan your online strategy? If you have a budget why isn't a Political Internet Marketer on your team? If you do not know about Political Internet Marketing why do you not set up training or advanced training?

Political Internet Marketing
If you don't make a serious effort to grasp Political Internet Marketing trust me your competitors will. The Internet moves fast! The tactics you were using last year might not be the same three months later. New and improved strategies, software and methodologies happen every day online. You have to be on top of Political Internet Marketing or you fall behind. I highly recommend hiring a Political Internet Marketing strategist, consultant or seek beginning or advance training.

Feel free to contact me anytime I would be happy to talk to you about your own Internet and Social Media Marketing strategies.

Continued success,

Trent Partridge

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Trent Partridge is a national speaker, trainer and author on the subjects of Internet Marketing and Social Media Marketing. Trent wrote 'Internet Marketing for Music Artist, Models and Entertainers, The MyPropFolio Internet Marketing Workbook' and was a contributing writer for 'Be a Real Estate Heavyweight.' Trent's team at Politics280.com is certified in Google Adwords, Google Analytics, Microsoft AdExcellence, Yahoo Ambassador, WebCEO and Search Engine Optimization. Trent's company Politics280.com helps businesses and individuals with Internet Marketing, Social Media Marketing, eGovernance Initiatives, Political Internet Marketing, Internet Visibility, Internet Legacy, Social Media Aggregation, Video Internet Marketing, Reputation Management, Online Identity, Internet Crisis, Search Engine Optimization, Pay Per Clicks, Analytics, Brand Strategy, Online Public Relations, Feed Aggregation, Podcast Audio/Video, Article Marketing, RSS Feeds, Fund Raising, Lobbying Initiatives and so much more.
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Trent Partridge
Politics280.com

Thursday, December 6, 2012

Real US Made Basketball Shoes? You've Got to be Kidding!

My faithful pair of basketball shoes was wearing a little thin so I reluctantly decided it was time to replace them. Being concerned about what outsourcing has been doing to the US economy I resolved that I would replace my old Reeboks (which were made in Korea) with a pair of real and 100% genuine "Made in USA" basketball shoes. During the process I wanted to stay out of the clutches of the scammers and spammers who were selling fake replica shoes.



First I went online and looked at the dazzling array of beautiful new court shoes available, but there was no indication of where these might have been made so off I went to Google. There I soon found out that all of big brand shoes such as Big N ( you know who I mean the king of shoes which made over a billion dollars profit last year) were made overseas, that the labor practices in their overseas plants appeared to be less than desirable, and that the foreign operations of a number of U.S. shoe companies left a lot to be desired.



From there I decided to try the Mall and started looking at the labels of all the brand name basketball shoes - "Made in VietNam", "Made in Korea", Made in China", "Made in Thailand", "Made in Indonesia" and "Made in Brazil". Not a single pair "Made in USA". This didn't seem to help much so I turned to the hovering clerk and asked if she had any Made in USA shoes. That question seemed to bewilder her, so I asked clerks in other stores and those who were not stunned by this question told me that there was no such thing as an American made basketball shoe, with the possible exception of Chuck Taylors. I was soon to find out that even manufacture of these stalwarts was moved overseas when Nike bought out Converse in 2003.



I went back home perplexed and a bit disappointed but resolved to go straight to the horse's mouth, so I started calling the corporate headquarters of some of the major US shoe manufacturers to get the real story.



Nike told me that they were still manufacturing in Indonesia "and lots of other countries in that region", and that "it was not economically feasible to manufacture in the United States". This is the same company that made a profit of over 0 million in the third quarter of 2007 alone?



The nice lady at L.A. Gear seemed a bit surprised when I asked if their shoes were made in USA but told me that their shoes were made in Brazil and several countries in Asia.



Being nothing if not stubborn, I kept the phone warm and called Reebok but all I was told was that "All of our shoes are made somewhere outside of the United States". When I told this lady that I was concerned with shoes being manufactured in deplorable conditions overseas she sent me a very nice brochure which assured me that their shoes were manufactured under circumstances "appropriate in light of national practices and conditions". Several calls later I found that these countries were China, Thailand, Indonesia, Korea, and the Philippines.



Sigh! K-Swiss shoes would only say that they manufactured "offshore" but when I called New Balance I was told that 70% of their shoes are made in the United States, with the remaining 30% made in Europe and Asia. Sadly none of their shoes seemed to fit my needs.



Somewhat discouraged I sat down and thought about it for a bit. How much does it matter I wondered? How easily do principles give way to the need for better ankle support, brand loyalty, fashion or for better pricing? What's all this flap about foreign made replica shoes? Are all the shoes sold online fakes since they are all made overseas? How can I tell if an online shoe site is selling fake replicas or the genuine real thing? Does it really matter so long as the shoes are good? What exactly is a fake and what is real or genuine?



So I decided to join the crowd and went back online and found a nice pair of basketball shoes from a company called kicksbay.com. They probably were not made in USA but the price was right, the shoes were delivered on time, they fit well and seem to be just as good as my old Reeboks on the court. Their customer service was helpful and I will probably buy from them next time, even if I wish I could find a pair of Made in USA basketball shoes.



And now I am having a hard rethink about all the fuss the big manufactures are making over "fake or replica" shoes. Is a pair of shoes that came out of the same factory that produces Nikes or Addidas' shoes just as good as the "genuine real thing" or are the high prices we are paying only to support the billion dollar profits some of these companies are making? It is food for thought and maybe more articles.

Wednesday, December 5, 2012

Working Capital Finance and Identifying Dead Banks Walking

With virtually any conceivable commercial financing situation, it should be beneficial for commercial borrowers to understand what constitutes a "Dead Bank Walking" and what they should do about it if they are in fact working with a "Zombie Bank". Ultimately it is not likely to be in the best interest of a business owner to have extensive involvement with any of the banks which these terms describe accurately. Although recent discussions using these colorful terms have an element of entertainment and humor, there is a practical aspect as well. The impact for commercial loans can be far-reaching because the terms zombie banks and dead banks walking have been applied recently to quite a few commercial banks.

For any business owner currently needing a commercial loan or working capital financing, the concept of "Dead Banks Walking" is likely to be an essential part of their decision. This description has been used by several sources recently, all with a similar reference point of banks which have already gone broke. This critical but apparently accurate assessment is largely derived from a straightforward net worth approach. Such an analysis recognizes that many banks have substantial assets which are either worthless or at least worth well below the values reflected on their books, with the resulting real current value being less than the current debts of many banks.

Based on the evaluation of many observers who have realistically reviewed current asset values, most of the largest banks in the United States been shown to be worth even less than Lehman Brothers (which is already in bankruptcy). Many banks have compounded their public relations nightmare by demonstrating very little common sense in how they make commercial loans and spend money. If a bank is already worthless, it certainly calls into question how businesses and commercial borrowers will benefit by the government throwing money at these "zombie banks" in the first place. The failure of most banks to increase their commercial lending to business owners after receiving government bailout funds has fueled the controversy involving bank survival. Banks who have received bailout funds appear to be determined to hoard the money in order to preserve their own solvency rather than providing commercial finance funding to commercial borrowers.

This raises several questions. The emerging consensus is that giving otherwise bankrupt companies (the dead banks walking) more cash does little more than cover the internal operating expenses for the zombie banks.

First, should we really believe that a bank should be "saved" simply because it is so large? For those suggesting that there would be a crisis of confidence if the three or four largest banks in the United States were taken over because they are insolvent, there appears to be a growing majority of the public which would suggest that these banks have already lost too much good faith to ever recover.

Second, is there a better way to solve the problem than giving insolvent banks more money? George Soros and others have recently described in detail how other banking systems have successfully handled mortgage financing. Even though residential and commercial real estate loans are thought to be at the heart of the current crisis, there is no real effort underway to revise this approach.

Third, how long will it take the government to solve the problem and can business owners afford to wait? Although waiting a few weeks or even several months might be viable for a practical solution which results in needed commercial loans, the current logjam impacting business finance funding shows little evidence of subsiding that quickly. Prudent commercial borrowers should seek alternative sources for essential working capital financing such as business cash advances. In case it is not obvious from the discussion above, dead banks walking and zombie banks can be avoided when seeking new commercial financing.

Monday, December 3, 2012

Real Estate Recipe Postcards - Do They Work?

Are real estate recipe postcards a "delicious dish" for postcard marketing success, or are they a waste of time and money?

Only the individual marketer can answer that question with any finality. The answer will come from experimentation and testing with various postcard marketing tactics, comparing one strategy against another, etc. But I'd be happy to give my take on the subject, based on the time I spent working in the postcard marketing industry.

What's a Real Estate Recipe Postcard?
Let's start with a quick definition, just so we're on the same page. A real estate recipe postcard is a marketing postcard sent from a real estate agent to their audience (usually homeowners and potential home buyers). On one side of the postcard, there's a picture of a tasty dish with the recipe listed out. You know, chili con carne, bananas foster ... that sort of thing.

On the other side of the recipe postcard, the agent will list his or her contact info with some form of "Call me when you need help" message. The basic premise is that the recipient likes the recipe so much -- or finds the postcard so thoughtful -- that they dial up the agent and say, "Will you help me buy / sell a home?"

I know, it's a bit of a stretch. But that's how real estate recipe postcards are supposed to work. The question is, do they work that way? An even better question is, how do the response rates from a real estate recipe postcard stack up against a postcard that makes a powerful offer and employs proven strategies of direct mail marketing?

To my knowledge, there has never been any study on the effectiveness of real estate recipe postcards (when compared to a different form of real estate postcard). Sure, you'll find a handful of testimonials here and there, and perhaps some "Use real estate recipe postcards!" promotional copy on a postcard company's website ... but that's probably it.

So here's my take on the subject, based on my professional experience with both postcard marketing in general and real estate marketing in particular.

Me personally, I wouldn't spend a dime on real estate recipe postcards. And do you want to know why? Because while a real estate recipe postcard might produce one response out of a thousands mailers, there are ways to get much better response rates. You know ... those tried-and-true postcard marketing techniques, like making an offer of some kind.

There are also ways to combine the real estate postcard with an informational website, thereby creating a "super card" that can improve the success of both marketing channels. In short, I believe there are much stronger approaches to real estate postcard marketing than simply slapping on a recipe and waiting for the phone to ring. But that's just me.

* You may republish this article online if you retain the author's byline and active hyperlinks below. Copyright 2007, Brandon Cornett.

Friday, November 30, 2012

Boresha Coffee Review - MLM Coffee, Or Something Better?

I typed up this Boresha Coffee review to provide you with the real facts and give you my personal take as to why this company is going to take advantage of an extremely popular trend occuring right now. So if you just want to buy the coffee and reap the health benefits, or you would prefer to participate in this business, the following review will give you vital information you need to know about Boresha Coffee.

The Company

Boresha Coffee was created by a team of professionals with over 90 years of collective experience in the fields of business, marketing, finance, biochemistry and nutrition. The company has been in existence a little under 3 years and at the time this article is being written has over 9,000 active members.

The Product

The product is coffeee. Coffee is the most consumed liquid, next to water, and is approximately a billion worldwide industry annually, with over 400 billion cups consumed each year. This is the ideal product to sell, considering the overall demand.

Boresha's coffee is composed of one of the more superior species of coffee, Arabica. The coffee is Fair Trade Certified which supports environmentally sustainable farming and production and is grown in the most ideal climate and regions.

This is no ordinary coffee though. Boresha's coffee includes a fat burning thermogenic ingredient, buffered caffeine and a much lower glycemic index compared to other coffees. These added ingredients promote weight loss and are scientifically proven to burn fat, instead of storing it in the body.

The coffee you can buy from Boresha ranges in price. You can purchase 10-day B Skinny kits for .95-49.90 and 30 day kits for around 0. The company also offers combo packs, sweeteners, teas and private estate coffee at competitive prices.

The Business

Boresha Coffee not only sells coffee, it gives anyone, regardless of experience, the opportunity to earn a full or part time. In a business such as network marketing you are rewared for you and your team's performance. Network marketing makes up million in sales in the U.S. alone and around 0 billion worldwide. By moving product through this model Boresha Coffee not only eliminates most intermediary costs, but can pay out more to their sales force.

As a Boresha Coffee distributor you can earn commissions based upon the amount of coffee volume you sell each month and also by the volume your team creates. You will also get paid for any new distributor you enroll into your team. The price to join Boresha is , with a annual renewal fee. You must have a personal sales volume of 50 to be eligible for compensation.

Timing

The timing with this company is prime. The market is very large and their is a huge consumer demand for this product. From a business aspect, more and more people are looking for new ways to create additional income and network marketing is that vehicle. Over 200,000 people are enrolling in network marketing companies and this industry is seeing some of it's highest growth periods ever. Multiple five and six figure incomes are being created in a matter of months and I firmly believe that this company is positioned to change a lot of lives through the product and the payout.

My Personal Review

From someone who has made money in direct sales and network marketing I think this company is absolutely fantastic! I don't work with the company, but I do sincerely believe that many people will earn a lot of money because of the product. I mean let's just look at the facts - the coffee industry, worldwide, is huge, there is a massive demand for it and people would love to drink healthier coffee that promotes weight loss. Plus, people can have the coffee delivered to them and pay much less compared to spending money everyday at their local coffee shop.

I would have to say this type of company makes sense. But that decision is totally up to you. I would like to thank you for reading this Boresha Coffee review and I hope that it has answered your questions.

If you still want to talk to someone about Boresha call Lori at (484) 948-8291 or email her at She will be happy to answer your questions about Boresha Coffee.

Wednesday, November 28, 2012

How to qualify for home loan modification?

The global recession has caused people to struggle with their finances. Many of us have problems keeping up with our mortgage payment obligations and are faced with the possibility of foreclosure. To prevent our homes from being foreclosed, we must try to find a way to lessen the burden of our mortgage obligations so that we could afford to pay it. One of the ways of preventing property repossession is through a home loan modification.

To qualify for a home loan modification you need to pass a certain criteria. You must be having financial difficulties. Your creditor will not entertain your application if you are not having a hard time financially. In the first place, you are hoping to modify the terms of your loan specifically because of difficulty in paying your loan. You must therefore prove to the creditor that you are having such problems by showing them proof of your current financial situation. And even though you are having difficulties at the moment, you must convince them that you can get back on your feet and eventually make reasonable payment arrangements for the loan.

As a last advice, properly represent yourself with a professional during the process of modification. A higher chance of approval has been linked to the presence of some legal representation during negotiations. Although you have to pay a certain sum for their services, the presence of a professional would facilitate a more efficient negotiation with higher chances of success. Loan modifications are often denied so making sure you have all the necessary qualifications to have a higher chance of succeeding at getting your application approved.

Saturday, November 24, 2012

Eczema Treatment - Get Cautious, Not Scared

An enormous number of children and adults are affected by mild to severe breakouts of eczema. These episodes often last a lifetime and flare-up as soon as the skin is irritated by some variable for instance a sensitivity with a soap, dry and frigid weather or specific types of food. Eczema is known as a rash and drying of the epidermis that generally speaking is isolated to sections of the face, neck ,scalp, elbows also, the back of the legs. Eczema breakouts generally are 2, 3 weeks on the other hand symptoms often cause considerable discomfort for some because they battle against the persistent itchiness, even cracking and bleeding on the skin.

Into your situation, you require a pretty sure that requires baby eczema treatment. Well, your long lasting problem will be solved! This is because here are some solutions possibly connect with your infant.Prevention against eczema:Maintain the cleanliness of every department in the house not to mention everything that might result in irritation for ones toddler.Remember to dress your infant in natural fabrics which includes cottons since it can encourage the skin to breathe assure to implement soft cotton on their bed.

Reasons for places chronic eczema occurs is on the flexor parts of joints. These are behind the knees and the inner elbows. Other areas include, in skin folds, over the hand or wrist and in many cases at the face. Facial eczema will often provide embarrassment for most people especially when encountered with many people in public.Natural approachMore and more people are opting for a healthier approach to life. Holistic eczema treatments that are One hundred percent natural and without any chemicals or steroids grown to be a trendy choice since they are a safer alternative. Right here is the approach modern day mothers are employing to manage their babies, youngsters who have got eczema. The nice thing about the natural approach is that it is proactive and might often prevent eczema rather than just a reactive method which only treats the disorder on top. This technique does involve a very complex approach when it comes to diet, lifestyle and also everyday goods that we use,consume and so are come across regularly. This natural alternative but not just treats the eczema but will also improves our general healthiness.

- Seborrhoeic dermatitis or Seborrheic dermatitis ("cradle cap" in infants) is known as a condition sometimes closely connected with dandruff. It causes dry or greasy peeling with the scalp, eyebrows, and face, and quite often trunk. That tinnitus is usually harmless except in severe cases of cradle cap. In newborns it results in a thick, yellow crusty scalp rash called cradle cap, which seems to do with not having enough biotin as well as often curable.

Here are some some home made remedies for eczema that have been which can relieve the symptoms of the actual skin disorder:Using wet or cold compresses to help remedy itching, break the itch-scratch cycle, and keep a full-blown eczema flare-upWearing loose, cool, light, and soft clothes, that include cotton. You need to avoid irritating the epidermis further with heavy, woolly and scratchy clothing.

You need to get you the extra virgin type that is not refined, bleached or deodorized. You can find it online.Whole food-type finance industry is carrying more coconut oil, in pint and quart jars and extra virgin coconut oil. Obtain the organic kind when you.Coconut oil cures a number of other biomechanical problems and skin disorders too, besides making the actual skin soft and smooth. I exploit it for everything including in the form of make-up remover and under my foundation. My skin is consistently soft, silky, smooth, and devoid of rashes, bumps, blemishes, blisters, etc.

E vitamin has strong antioxidants and its a massive cure for eczema.That's three practical, natural eczema treatments you can go with immediately: Blueberry leaf, natural moisturizers, and Vitamin e antioxidant.When you're frustrated with constantly itching and scratching, doesn't a healthy eczema cure understand? For anybody who is weary of red, irritated skin splotches that burn and sting then start trying these natural eczema remedies.

Tuesday, November 13, 2012

At Last, You Can Earn 15.83% Average Annual Rate of Return Without "Wall Street" Risks

Earlier this year I wrote an article with a similar title.

One reader asked: "How can this be possible, because it sounds too good to be true."

Both the "'too-good-to-be-true" quote and the "How" question deserve answers. So, here goes.

Let's start by explaining the TIP investment.Chances are you have never heard of this investment. What is the investment? Life Settlements (LS) --- Also called Transferable Insurance Policy or TIP(s). The best way to understand how a TIP (TIPs is plural) works is by an example, which follows:

EXAMPLE: Joe, age 67, owns a life insurance policy with a 0,000 death benefit and a ,000 cash surrender value (CSV). Joe would like to stop paying premiums. Of course, he can cancel the policy and get the ,000 CSV from the insurance company. An investor (really a group of investors) buys Joe's policy for 0,000, paid in cash to Joe immediately. The investors now own the policy. The group of investors will receive the 0,000 death benefit when Joe dies. This transaction (Joe selling the policy and the investors buying it) is called LS. A TIP is a fractional interest in a LS. Let's say Rick is one of the investors. Say Rick invests 0,000. He will wind up with a diversified portfolio of TIPs (about 5 to 10). Each one of the TIPs will be a fractional interest in Joe's 0,000 policy, say 3 percent or ,000. This TIP (Joe's) will pay Rick exactly ,000 when Joe dies.

A public company (trades on the NASDAQ) invented TIPs. Twice a year the company publishes its average rate of return for the years (now 16) it has been in business.

A common question is, "What are the tax consequences of a TIP?" All taxes are deferred until the TIP is paid. In the above example, Rick would not have any taxable income. A TIP is always ordinary income. It is not payable until he receives the ,000. If Rick had invested his 0,000 from a qualified plan (401(k), profit-sharing, IRA or the like) the income would stay in the plan (like all other investments) and all income taxes deferred until funds are distributed to Rick.

First, a little background about the life insurance industry. There are basically two types of life insurance: permanent [has cash surrender value (CSV)] and term (no CSV). According to Milliman and Robertson, an international actuarial firm, 89.5% of Universal Life policies never result in a death claim. The policies are either surrendered, or worse, allowed to lapse. Note: Universal life is the most common type of permanent life insurance sold in the United States.

And what about term insurances? These facts are, although true, almost unbelievable: According to Tax Planning With Life Insurance, authored by Zaristky and Leimberger, Ten years after issue, there is only a 15 percent probability that at term policy will be in force at the insured's death. There is less than a 2 percent probability that term insurance bought twenty years before an insured's death will be in force. So, on average 93% of all life insurance policies sold never pay even in death benefits.

Amazing! Think about it, life insurance companies deposit premium dollars year after year and about 93% of the time keep all of the dollars, while the insured or his heirs get nothing in return. One exception, the policy owner terminates a policy by getting back the CSV. Long story short, LSs to the rescue. However, before the invention of TIPs, LSs were the sole profit playground of institutional investors: large companies with deep-cash pockets, like giant insurance companies (such as AIG and CNA).

Even Warren Buffet's Berkshire Hathaway has been in the LS game for about 15 years and recently announced a 0 million loan to a new wholly owned subsidiary to invest in LSs. TIPs are the bridge that allows the little guy to get into the LS profit game.

Go back to Joe's LS/TIP example. If Joe had cashed in his policy for the ,000 CSV, the life insurance company would have been off of a 0,000 death benefit hook. It's easy to see why Joe is delighted with his 0,000 LS. Of course, the insurance company is anything but delighted and would like to keep LSs secret.

The pure economic fact is that the investor stands tall in the profit shoes of the insurance company. The investor stands to profit with a gross of 0,000 (0,000 death benefit less an acquisition cost of 0,000), reduced by future premiums (until Joe passes on). The LS side of the transaction with Joe is handled by the NASDAQ company, which then arranges for little-guy investors to purchase TIPs. The potential profit percentage calculated on each TIP investment is based on the projected life expectancy of each LS policy seller at about 16% plus.

Generally, the NASDAQ company only completes LSs where the insured's life expectancy is actuarially five years or less. The result of how a TIP transaction is structured allows the TIP investor to earn an average annual historic rate of return of 15.83%.

No worrying about "Wall Street" volatility or whether "The Market" goes up, sideways, or down.

Now you know how it's done.

You also know because of the strange economics (no death benefit are paid about 93% of the time) of the insurance industry and the ingenious way TIPs are structured that a 15.83% average annual rate of return is indeed, not too good to be true.

Saturday, November 10, 2012

A Usda Loan May Help You Qualify For A House.

One of the side effects of the subprime mortgage cycle we just went through is that many very solid loan programs went unnoticed and unused because there were "easier" options out there. Now with the disappearance of said subprime loans these "old faithful" loan programs are coming back. One of the best ones to resurface in recent weeks is the USDA Rural Development Loan.

The USDA loan was designed to entice home buyers to move into rural, undeveloped areas to buy a new home. They created a government backed loan (meaning the bank is not taking the risk) that is truly zero down and does not have private mortgage insurance (PMI) on it. The rates are very comparable to FHA or conventional rates (6.5%) at the time I am writing this. You will be able to afford about ,000 more in house for the same payment simply due to the fact that there is no PMI. Did you catch the part of about zero down; it is not a typo this loan requires zero down to get into it.

So you may be saying it is too good to be true, and asking what is the catch. Well I would be lying if I said that you were wrong about that. But the catches really aren't that bad. There is an income limit to how much you can make to get a loan like this. It will depend on the size of your family and if you pay child support or not, but for example a family of four in King County is capped at ,400 so it is not too restrictive.

The biggest restriction is you have to purchase in areas that the USDA classifies as rural. Now I know what you are thinking "I am not moving my family out to Winthrop just to get a good loan". Would you be surprised if I told you that half of Maple Valley, Washington is classified as rural by the USDA. As you can see these loans don't force you into buying a farm (not that there is anything wrong with that of course).

If you are first time home buyer or a seasoned pro, you should really consider looking into a USDA rural housing loan option. It very well good be the deal that allows you to buy a house that you may not be qualified for using more conventional loan options.
Not every lender is going to be able to offer you a USDA Rural loan, as only a few different banks will even service them, but if you are working with a broker they should be able to find a lender to fill the need wither it be Chase or Wells Fargo just to name a couple of options.
One other point to make is that this loan is not a refinance loan; it is available only for purchasing new property. Oh and by the way if the property has an in ground pool, it is ineligible. Welcome to the world of tight guidelines.

Thursday, November 8, 2012

Watch Tv On Pc - Over 3500 Channels With Satellite Tv Software For Pc

I always thought Satellite TV Software for PC are great, but with the limitation of mobility. You have a great choice of channels, and visual quality, but only when you are home, and your TV is connected to your satellite dish/receiver set. And i always wondered why noone thinks about creating a mobility solution for my tv watching pleasure.

Well, now it's no longer a question, because i have met the greatest software, SatelliteDirect. It simply turns your pc (or mac of course) into a satellite tv, with a really low and affordable one time fee! Of course, the first thing i thought was "it should be illegal to sell so many channels fort his low". But i have checked it, and everything seems to be very legal.

It's very easy to start just visit this website watch satellite TV on your PC.

Now i can watch the games on my laptop even at work. Going to parents-in-law for dinner is no longer a problem for my virtual league, as i can watch and check the scores anywhere i find internet connection. It has no limits for downloads, or channels you watch. You just simply pay the one time fee, which is paid back if you don't like the service, and instantly you have access to over 3500 channels on your pc or mac.

The system is as simple as possible. You register on Satellite Direct, make your payment with your credit card,or even paypal, download the software for your pc or mac,and start watching any of those 3500 channels you like.

I have started using this software for satellite tv last month, last week i cancelled my satellite tv and i will cancel my cable tv before the end of this month, because this software gives me all the services of satellite and cable. I also bought an HDMI cable and connected my laptop to my tv, so now i have the luxury of a big flat screen with HD resolution. Now i am thinking about using my old pc as a set top box to watch TV, thanks to Satellite Direct, all is need is a cable.

Just today we bought another membership for my brother, and he is really happy now that he can watch the games online wherever he is. Because of his job, he often visits Europe and he was always complaning that he can't reach his satellite channels that he has at home, and always used it as an excuse for his looses on our virtual league. Now he has no excuse left, we will see how he really plays.

I know it sounds like a dream come true, but it really is. Remember the days when we had no internet, and paid huge bills for anything like telephony, video conferencing, etc. Now we got internet and the best advantage of the net is that it reduces our costs for anything, now including our broadcasting needs.

As a conclusion, i recommend you give SatelliteDirect a try. The worst thing you loose will be a few minutes. You get your Money back if you don't like it. You will not see recurring bills like your satellite or cable provider on your credit card report. It's easy to install and also very easy to uninstall. Just register here - , pay, download and meet the new era of TV pleasure with HD resolution.

Wednesday, November 7, 2012

When You Desperately Need Rent Money - How To Find Fast Emergency Cash

Few people would disagree that these are truly hard times for a lot of people. That includes those (like me and perhaps you) who are renters instead of house buyers.

But sometimes, bills pile up, and we need rent money...and need it fast. Rent isn't the only living expense we have, of course, but is there usually any bill we consider more important? After all, if you don't have a place to live, everything else matters less. You can live, if forced to, without a phone, an Internet connection, cable TV, even electricity (though that's a tough one). But when you lose the roof over your head, that's a major big deal, no two ways about it.

If you've ever said, "I need rent money...and I need it fast to avoid eviction," then I'm talking to you here.

In times past, I too have been "up against it," as they say...down to my last few dollars, with the rent already overdue, and waiting for the "other shoe to fall." You know....that knock on the door with your landlord standing there...or a phone call from the apartment or property manager.

What do you do...what CAN you do...to raise what maybe I could call "eviction rent"? Well, having been in just such a situation, I've learned some ways to raise fast emergency cash...and some ways to definitely avoid at all costs. One way that's a total dead-end is to go for the quick, easy fix: a payday or car title loan. You risk your car, your paycheck, your peace of mind...and maybe even get forced into bankruptcy. And if you do manage to pay back your, say, 0 loan over the full term you're given, you're likely to end up paying more like ,200.

But fortunately, there are other ways that can help you get money quick...ways I've uncovered in my own search for ways to get cash quick. Some of them, most everybody already knows about. But beyond those are scores of other dependable, proven ways to find or raise cash when you need rent money or money for some other emergency. I've pulled them together in a brand-new resource that includes ways both well-known and virtually unknown...but all of them, ways that will get you out of your current bind and back to a place where you can breathe again.

Monday, November 5, 2012

All That Glitters is Gold

Once upon a time the amount of currency any particular nation could produce was directly tied to its reserves of gold and other precious metals. This restricted any further production of paper money until there was an equal rise in stocks of precious metals. What this did was preserve the inherent value of money, as at any point it could be exchanged for an equal amount of gold. A unit of currency was not simply an arbitrary figure; it represented the quantity of gold that could be bought for that price.

In the intervening years this system has fallen out of favour with modern policy makers. Where governments were once restricted from increasing the money supply at a whim, currency creation is now just a matter of printing more as required. In fact, physical printing of paper currency, or minting of coins, is no longer necessary. With computers serving as the medium for large transactions, increasingly the money supply can involve as little as authorising a few additional keystrokes.

The problem with this strategy is that increasing the money supply doesn't affect real wealth; it simply causes a rise in inflation. The principle behind this is that since there has been no change in the supply of goods and services, the price of everything will go up to reflect the additional currency within the market. On an individual level, this means that the purchasing power of your money will have shrunk. To give a rudimentary example, your which bought five cheeseburgers one year, may only buy three the next, two the year after that and so on.

When taken in a national context, inflation is what deters countries from simply creating more money in order to repay debts. At least, it should act as a deterrent. If the market is suddenly flooded with a certain currency, its value will decrease. This would cause debt repayments to be worth less than the value of the loan before the increase in the money supply. To avoid this, there has been a recent trend back towards a system based on physical assets. If currency holds in itself an inherent value, it becomes more difficult to simply print more, which in turn will help control inflation.

Of course, completely returning to an asset based system would be infeasible at this point; too much has changed in the global financial landscape. However, hedging ones bets, both on an individual and a national level, by acquiring a portion of physical assets is something worth looking at. Gold offers security, but not necessarily the level of growth investors will be looking for. Property and well chosen shares will keep tabs on inflation, through the simple fact that you can't just print more of them, while providing dividends that should hold the value of your investment above inflation levels.

Saturday, November 3, 2012

The Beginner's Guide to Personal Finance and How to Create Long Term Financial Strategies

Creating long term strategies is paramount when developing personal finance goals. Developing a financial plan includes planning for retirement, setting up a monthly budget and learning how to live within your means. The following article will offer many tips and strategies concerning how you can develop effective personal finance strategies that will work for you.

An effective monthly budget will include both how to pay for your monthly bills as well as how to save for the future. There are many budgeting software systems available; however, if you do not wish to use a software system, you can develop an effective budget with nothing more than a pencil and paper.

Savings should be included as with any effective budget. Whether you are saving for a new home or retirement, it is vital that you remember the importance of saving for the future and include it in your budget.

One of the most effective ways to help develop savings strategies is to track your spending habits. To begin, gather your receipts and write the information down into a composition notebook or software program. Label each receipt into appropriate categories such as entertainment, dining out, groceries and gas. By incorporating this system into your budget, you will be able to curb excess spending which will result in substantial savings.

One of the easiest ways to save for the future is to develop a spending strategy. The best advice that you can receive is to live within your means. By only spending what you have, you will be able to save for your future.

Pay off credit card debit as quickly as possible. Using this tactic will allow you to save money by avoiding the interest associated with credit card debt. The fastest way to pay credit card debt off is to pick the smallest balance and working to pay it off. Once that credit card is paid off, begin paying off the next lowest balance. Or, if you would prefer concentrate on the highest interest rate credit card and pay it off first.

Review insurance coverage to make sure you are adequately covered but not doubly covered. Many of people find that when they review their insurance policies they find they are doubly insured. By eliminating double coverage, you can save yourself a lot of money. You can also plan ahead for future care needs and add supplementary long-term care insurance, to avoid high nursing home costs.

Keep good records. By keeping good records you will be ready when tax time arrives to receive every deductible you are entitled to. Build a file system that will separate each receipt into its proper category. These categories should include transportation receipts, utility receipts and receipts for meals and entertainment.

As this article has shown, there are many ways to help develop long-term financial plans to help you reach your goals. Follow the advice listed in this article to plan for your future, reduce financial worries and get on the right path to success. Remember, financial planning is a long-term commitment that must be undertaken with consistency and dedication.

For more long-term financial strategies, visit our site about Long-Term Care Insurance and learn how to cover your care costs. Also, find a local Long Term Care Financial Adviser to assist you.

For more long-term financial strategies, visit and learn how to cover your care costs. Also, find a local agent in your state here

Thursday, November 1, 2012

How Bali Hut Kits Can Help To Light Some Spark In Your Backyard

Bali hut kits are an easy way to have your very own, personal Bali hut in the place of choice. You can easily build a Bali hut in your backyard or anywhere around the premises of your home. Living in a Bali hut on a beach is often the dream of a many people. However, due to one reason or another, people are unable to live their dream of living in a Bali hut. Now, anyone can build their own Bali hut anywhere they want to with the simple to install kit of Bali hut. By using the manual that comes with it, all you need to do is follow the instructions and before you know it, you will have a Bali hut of your own. This is one of the easiest ways to enjoy the Bali hut at your own convenience and to help yourself create some spark in your backyard with the help of Bali hut kits.

Bali Hut Kits Fit for Everyone

Bali Huts are the new best thing in the market, fit for everyone. They have proven themselves to be exactly what the customer desires to own in their backyard or lawn. Consider spending time in your backyard, preparing a Barbecuing in the Bali hut, what could be more pleasurable than that. Bali hut kits are available in the market for anyone who wishes to have one set up in their lot. Bali hut kits come along with a set of instructions that give detail instruction upon setting up your very own Bali hut. These kit's have everything available in them so that there would be no need to buy any additional thing while setting it up. All of the parts present in the kit are pre prepared for the consumer with the Bali hut thatch as well. The consumer would just need to set up the hut and follow the set of instruction in order to get the best looking hut standing. These huts are even remarked as best in outdoor dcor.

Bali Thatch Huts Displays Online

If you are the type of home owner who enjoy online shopping, then you would certainly love the new marketing strategies implemented by various suppliers of home decorations. These entities have decided to use internet marketing to display their products such as the Bali thatch huts. Many companies in the market are now engaging in making online sites that can be accessed easily by their consumers. This way, their customers and clients can reach them easily without incurring any cost. Also, it is more convenient and easier for the home owners to shop. Therefore, if you want to get Bali thatch huts for your home, you can already see the displays and designs of the companies supplying them. By simply visiting their websites, you can already browse for the different styles of the Bali huts. You can even order online and make purchases. Al you need to do is to have a valid credit or debit card to have a successful transaction.

Sunday, October 28, 2012

How To Identify Excellent Or Fake Credit Union Web Hosting And Design?

Credit Unions is regarded as non-profit financial entities even though it operates significantly similar to a bank, nevertheless they do not offer you all of the services that a bank has. What they focus a lot is to offer its members savings and quality services which typically results in greater rates of interest on savings accounts and lower interest levels on credit cards and loans.

What makes best of engaging credit unions is because they offer you direct monetary advantages. A lot of them offer lower interest levels on loans and greater returns on savings accounts. Lower interest rates on mortgages at the same time as auto loans will allow you to put more money inside your pocket. The higher annual interest yields on savings accounts will also very good too.

Those are a few of the reasons why a lot of credit union owners exist nowadays. The monetary sector is the single largest user of information technology as this moment; thus the competition among monetary service providers is intense.

Credit Unions across the nation face increased competition from banks along with other savings and lending institutions, as well as competition from other Credit Unions. As competition increases, there's increasing pressure to provide more and faster services, and to cut operating expenses.

Well, this will be the time to develop your business face (internet site) online as this can be a great handy way for the achievements of numerous businesses today. Existence over the web can absolutely boost and increase you credit union firm popularity. Not merely that, even though your organization might perhaps work only for a certain time each day, your site may be accessible to customers right round the clock 24/7, accepting members locally, nationally as well as globally.

However, prior to you'll be able to have your internet site you are going to require first a developers and web designers to develop your site with your want. Now, here are the guidelines on how you can decide on the very best Credit Union Web Design & Credit Union Web Hosting Company for you.

Obviously, the very first thing you may need to take into account will be the cost. Great thing if you may set a budget for your site design before you start picking for the best design business. Some individuals will prepare those web design and hosting company that charge highest rates since as they believe that this is the best. Well, that is definitely untrue.

Have a look at the packages offers of the corporation if that is fits your needs and a reasonable priced. Not all offers a highest rates is very best, sometimes even a inexpensive package may possibly be sufficient enough and correct for you.

Next, pick the company that provides a customized services where they can tailor their package based on your preferences. As they says "it is impossible to create a perfect web design with a single stroke" that is why prefer those web designer that is ready to make as numerous changes as required during the development process.

Look the company that has already a lot of expertise and manpower to deal with related with credit union websites. As well as capable at helping you with web development and credit union services so that your web site will be taken care of by a single company only.

Lastly, check those CU Web Design & CU Web Hosting company the offers a complete web solutions services not only those mention above but includes consulting and retainer services, SEO, and financial calculators.

Thursday, October 25, 2012

Credit Fix Made Straightforward With These tips

Practically every thing you see within the earth prices loads of income today. Regardless of whether we are discussing a car, a property, as well as attending a very good school, you are going to pay dearly for these things. It is no mystery why so many folks have very poor credit during this day and age. Luckily, it can be also no mystery to have from this bad scenario as the following will demonstrate.

When trying to fix your credit it is actually essential not to skip any far more of one's regular credit card payments. You may never have the opportunity to really restore your credit should you do that simply because this missed payment will go in your credit profile and keep there for at least seven several years.

When for the road to credit score fix, fork out all of your expenditures promptly. Credit scores foundation a lot of fat on paying again your debts promptly. Make certain you obtain the payment to your creditor prior to the due date. When you start off paying promptly you are going to start out to check out your score rise.

For those who have challenged or denied unfavorable objects with your credit report and a few however keep on being, it's possible you'll have the opportunity to cut back that range even even more by contacting the gathering company or creditor. By regulation, these firms really need to deliver composed evidence the account is yours. What this means is a challenging copy of a signed contract or other legally binding document, not simply a printout on the facts they've got within their computer method. A lot of of these providers don't maintain onto these documents. When they are unable to come up with acceptable evidence, these are needed to clear away the account from the credit profile and stop all assortment makes an attempt.

As you discovered throughout this post, repairing your credit score score is usually a thorough mix of knowledge and action, with understanding obviously being the greater crucial issue. When you find out how to restore that score, it really is up to you to consider the action necessary to depart that bad credit at the rear of you permanently.

Wednesday, October 24, 2012

Ie Advantages And Disadvantages Of Recurring Authorisation Payments

One of the greatest stresses in life is having to pay your monthly bills. Dealing with the financial burden and having to take time out to take keep track of all the different bills and due dates is not something any one looks forward too. Thankfully, with the advent of credit cards, an option that makes bills payments less stressful is now available.

Credit cards now offer what is usually called recurring authorisation payments, or automatic payments. Recurring authorisation payments work by allowing your service provider, such as the electric company or your life insurance company, to automatically charge your credit card each time a bill is due. The charge then reflects on your credit card balance so that you do not have to worry about paying the service provider, but instead take care of your credit card bill.

The most obvious advantage of this set up is that, as long as they have this option, you can set up recurring authorisations with as many of your service providers as you want. This has the effect of consolidating all your bills into just one, your credit card bill. Instead of having to keep track several due dates, which almost always means missed payments for a bill or two, you just have to make sure that you make your credit card payment on time.

Another advantage is that it can make keeping track of your expenses a bit more easy. Since recurring authorisation payments are reflected on your online credit card account, you can easily see if the service provider has already billed you and how much. You also do not have to keep receipts for future reference since they will all be reflected on your statement of account, which you can always recheck if there is any need for it. Furthermore, some of the best credit card providers also allow you to export your financial details to a financial or budgeting software to help you manage your finances. Since you are paying your bills via credit card, they will automatically be part of the expenses, so you won't have to plug them in manually.

As good as it sound though, recurring authorisation payments does have some disadvantages. The same way that it can help you keep track of your bills payments, having this set up can make you lax in keeping track of bills that can soar, like phone bills. Since you do not have to look at your phone bill, knowing it will be taken care off by the credit card company, you can end up with an enormous bill without realising it. This leads to the other disadvantage, which are over the limit charges. If you do not keep track of your spending, this can lead to your going over your credit limit, which can lead to expensive penalties.

Monday, October 22, 2012

Finding an Ontario Bankruptcy Trustee You Can Trust

Many people have found themselves in a position where they really need some help working through their financial situation. They have collectors calling their homes, letters are coming on a daily basis and they find themselves using one credit card to pay the minimum payment on another credit card. While this situation can feel embarrassing and most definitely feels stressful, there is an option that can help.

Meeting with an Ontario bankruptcy trustee will help you to understand just what can be done to improve your financial situation. It is a good idea to ask around to friends and family and find out who they have found that is reputable and that have helped someone that they know. If you do not wish to discuss it with your friends or family, check out the internet. You are sure to find a trustee that you will feel comfortable with.

Being comfortable with your bankruptcy trustee is important because you will need to discuss some personal information with them in regards to your finances. You can obtain a free initial consultation with most trustees so that you can see just how comfortable you feel with them. If, once you have the initial meeting, you feel good about your choice it is time to get started on reclaiming your financial life.

They are not there to judge. They are there simply to help you get back on the right track. It is very likely that they have dealt with many people that were in a much worse situation than you are.

Your bankruptcy trustee will help you understand the different types of bankruptcy and which option would be best based on your personal situation. They will evaluate your income versus your expenses and will take a look at any outstanding credit card debt or other debts that you have. Once they have completed a full evaluation they will make their recommendation as to how to proceed.

Once you have decided on the Ontario bankruptcy trustee that you would like to do business with, it is time to be completely honest with him or her. They will need to know your exact financial position at the time that you meet so they can make the best possible option available to you. It will not do you any good if you hide information that may be embarrassing or shameful from them. Remember, when you put your trust in them, they will do everything possible to help you out of the situation that you are in.

When the bankruptcy trustee brings you their suggestions on how you should proceed, remember, they are not out to get you. They are there to help. The suggestion may be one that you have not considered in the past but if they feel it is the best option then you should take the time to hear what they have to say and to weigh out your options. The relief that comes with the end of harassment from creditors is amazing and the bankruptcy trustee is there to make it happen for you.

Sunday, October 14, 2012

Look at Formula 1 Lottery System

As a long time lottery player, Glen Hooke was always looking for that little something extra that would give him the winning edge. He gained that edge by developing the Formula 1 Lotto System and is now offering it to others.

Before the Formula 1 Lotto System, Glen was like most of us. He had tried everything he could think of, from asking for lucky numbers from family members to drawing numbers out of a hat. No matter what he tried, nothing worked. There seemed to be no end in sight and he was losing money.

Everything changed in one night. The Formula 1 Lotto System was about to be born.

Glen went into a bar one night and sat next to a stranger. As the lottery results were being shown on TV, both men began checking their numbers. Glen saw he had only one selected number much to his dismay. The other man started smiling as he checked his numbers. Glen had to ask how he did and the man responded that he selected 5 out 6 winning numbers. Glen was surprised when he asked the man how much he had won and he had responded "Nothing".

Glen just couldn't understand. He didn't buy a ticket, the man replied, he just liked to choose numbers as a hobby. Wanting to know more about the man, he found out he was a math professor at a college nearby. Glen was told that he had been compiling and studying information on the lottery for over 25 years. During that time period, he had created a mathematical formula that would select the winning numbers 8 out of 10 times.

Glen worked as an IT and saw quickly that with the professor's formula, if it really worked, that he could produce a software system them make him a winner as well as others. The Formula 1 Lotto System was about to become reality.

After weeks of conversations, the professor agreed to let Glen field test his formula by actually using it. To Glen's delight it, he began to win. He won enough to realize that the formula worked.

The Formula 1 Lotto System took over 5 years to become what Glen had dreamed of. The main reason was that he had to hire computer programmers that could transfer the professor's complex formula into an easy to understand system that anyone could use.

This hard work paid off as Glen himself has won almost a half a million dollars in 7 years. Glen decided to offer the Formula 1 Lotto System to the public and when players started using it, he immediately began to receive e-mails from people that had success with it.

An easy to understand program, the Formula 1 Lotto System is very easy to use. If you know how to read and point and click a mouse, you can use it. When you have downloaded the system, you will be given a number of different games in a drop down menu. Choose which game you want to play from that list and you have started.

You will then be given numbers to choose from selected by the sequencing options that are developed from the Formula 1 Lotto System. After you pick your numbers from this list, you select "Yes". Then all you have to do is copy down the numbers onto your lotto form and submit it.

You're now on your way to winning. With every win, you increase your confidence and can't wait to play the next game.

Masterluck recommends the Formula 1 Lotto System highly. It is affordable and easy to use. Let us know of your success. Masterluck is sure it will happen.

Friday, October 12, 2012

Payday Loans No Fax: Money, When You Exactly Needs

Sometimes the money shortage in the mid of a month compels the salaried people to look for forward for monetary support from family and friends. You might need in order to get rid of any expensive bill on a credit card or to pay for utilities bills like telephone and electricity. Payday Loans No Fax is a great financial help and free from any type of faxing documents to the lending company.

This fund opportunity is appropriate in urgent financial condition and needy individual can fetch desired funds within 24 hours directly into his bank account. As its title suggests these loans are parts of payday loans and offers you desired funds on the same day without faxing any sort of documents.

Whether you need loan for paying utilities bills like telephone or electricity, organizing a tour, wedding expenses, shopping, or other all expenses can be answered with this loan facility. There is no need of bank statement of the bank to send the lender for approval. All applicant need to borrow funds is to fill an application online with required personal information. This information includes your full name, present residence address, company's information and ID proof of the country.

These loans are basically for short term just for one to four weeks. Fund ranges from 80 to 1500 can be easily availed without any hassle and wasting time. Your repayment on due date is very important as late payment of these loan carries high interest rates and it is quite hard for the salaried people to manage them from their fixed salary.

As these loans are usable just for four week maximum, most of the lenders don't waste their time in checking the credit history and collateral. This financial help is free from collateral pledging so beneficial for tenants and home owner. Anyone who have good repayment ability can easily apply for these credits and by repaying on time can improve the credit status.

Monday, October 8, 2012

How Home Loans With Bad Credit Are Viable Options For Home Hunters

The difficulty for most of us seeking a home loan with bad credit is in finding a mortgage provider willing to take the risk on. The terms and conditions of taking on such a major debt to buy a home can be crippling, so there is no doubt that the challenge is acute.

However, there is light at the end of the tunnel, with an increasing number of options available to bad credit borrowers looking to purchase a home for the first time. Those that benefit most are tenants, who often have insufficient assets, as well as a poor credit history, working against them, making the chances of securing mortgage approval smaller.

But when hoping to secure a home loan, what are the likely terms to expect when bad credit is a part of the equation?

Why Bad Credit Does Not Matter

It would seem that a poor credit history would be enough to ruin the chances of being approved. But the property market is not able to sustain itself by excluding such a large category of borrower. For this reason, applicants seeking home loans with bad credit can see their applications approved, though with strict conditions satisfied first.

But keeping the market is not the only reason why securing mortgage approval with less than perfect credit ratings is possible. The fact is low credit scores are no indication of risk of default, especially since many bad credit borrowers today are such only because of financial bad luck - not financial irresponsibility.

In any case, the terms of any home loan are such that only those who can prove affordability, not boast a good credit history, can be trusted to meet repayments without a hitch. So, elements like their debt-to-income ratio is much more significant.

Terms To Expect

So what are the terms typically on offer to applicants seeking home loans with bad credit? And how do they compare to normal terms? Well, there is no avoiding the fact that any loan with bad credit usually comes with higher rates of interest. The idea is to compensate the lender for the perceived extra risk.

However, another important aspect to a specially structured mortgage for bad credit borrowers is the repayment term. A term of 25 or 30 years is normal when securing mortgage approval but mortgage providers are willing to extend the term to 35 or 40 years to make the repayments affordable.

Another home loan aspect to expect is a structured mix of fixed and variable interest rates. A fixed rate is charged during the first 3 to 5 years, to help in managing the immediate impact. Once a habit is developed, then a variable rate is charged.

Opting For An FHA Loan

Most of the time, applying for a home loan with bad credit is likely to end with terms that are competitive but still a challenge to meet. However, securing a mortgage through the Federal Housing Administration (FHA) can result in much more effective savings. An FHA mortgage is still granted through regular mortgage providers, but because mortgage insurance is paid by the borrower, the terms are much better.

Also, while securing mortgage approval is normally dependent on providing a 10% down payment, an FHA mortgage expects only a 3.5% down payment. This saving is added to by the fact the seller is permitted to pay closing costs on behalf of the borrower as an incentive.

Still, even with such impressive savings to make via the FHA, it is important to shop around for the best home loan terms. The mortgage issuer, remember, is independent so they will have their own lending policies. However, they must be FHA approved.

Thursday, October 4, 2012

Ten Offline Industries That Need Online Marketing

How important is online marketing for businesses that conduct most of their transactions offline?

Lindsey Miller, Director of Creative Studios at Miles Technologies, shares insight into the importance of online marketing for all industries even those that operate primarily in the traditional marketplace. "With the overwhelming majority of today's consumers using search engines to research products and services before they buy, simply having a physical storefront is no longer sufficient for attracting customers and making sales," Miller reports. "Regardless of whether your business is conducted on or offline, you must have a website that is highly visible in internet searches in order to attract potential customers in your service area."

Miller stresses that failure to engage in online marketing can have devastating results on an organization' success. "If you are waiting to take your marketing efforts online just because most of your business is conducted offline, then you risk missing out on an alarming amount of potential customers in your service area."

According to Miller, the following traditionally offline industries can benefit greatly from a well-designed website and a strong virtual presence:

10. Automotive Repair/Car Dealerships
9. Health/Beauty/Fitness
8. Construction/Contracting/Landscaping
7. Hotels/Travel/Food Services
6. Legal Services
5. Retail
4. Healthcare/Medical/Dental
3. Plumbing/Home Repair
2. Real Estate/Rental
1. Education/Daycare

Miller emphasizes that the need for online marketing is not limited to the industries listed above. "Online marketing is quickly becoming critical to survival in today's economy. Every business, regardless of industry, should be working to gain a competitive edge in the virtual marketplace."

Monday, October 1, 2012

How to Develop Your Vacuum Truck Business!

A vacuum truck is a type of equipment that specializes in dealing with various kinds of fluids including waste water, sewage, and septic tank fluids. These trucks are specifically designed to suction these types of fluids and transport them into their respective disposal or treatment facilities. Since waste water is present almost everywhere, and there are laws that govern the proper disposal of these types of fluids, the vacuum truck business has a huge income-generating potential. Like most other businesses, a constant flow of income does not just happen; it comes with a great deal of time and effort.

While there may be plenty of work available for vacuum trucks, there are also a large amount of competitors for the same jobs. In order to get ahead of the competition, it is important to break away from a conventional approach. Following are some ways on getting ahead in this industry.


* Time-Tested Marketing Strategies To be competitive, it is important to be creative in constructing new strategies to attract clients; however, it is important to understand that things do not always work out as planned. In these cases, defaulting to time-tested marketing strategies could provide the necessary marketing boost. Offering discounted rates for services or providing some small extra perk is a time-tested strategy that works almost every time. The small loss in revenue or extra hours of work will eventually pay off once a customer base is established. This type of marketing strategy can be utilized during the off-peak season or by a company that has found a vacuum truck for sale and is just getting their business started.


* Establish A Distinctive Identity Due to the large number of vacuum truck businesses that are flourishing, one important characteristic to have is uniqueness. In order for a company to become unique, it must be known for something that will set it apart from its competitors. There are many things that can be used for branding a vacuum truck service. A company may want to market themselves on the safety, cleanliness, affordability, and quick service that it provides. It is important that the something creates a positive image, is catchy, and is something that is entirely different from what the competition is offering.


* Maintain High Quality Service Maintaining high quality service is important in keeping a constant stream of revenue. This includes: arriving on schedule; maintaining professional yet friendly client relationships; and carrying out tasks with quality far exceeding what is expected and being provided. Business owners may consider investing in another vacuum truck that is more up-to-date than their current model or as an addition to the current ones in use. Even though vacuum workers deal with dirty fluids, performing a spotless job will easily impress clients and should secure the name of the company for future job opportunities.


* Take Advantage of the Internet The internet is already intertwined with the daily routine of almost everyone and is a powerful marketing tool that any business can use, including a vacuum truck business. It is relatively easy to use the internet as a marketing tool. A simple website containing all of the necessary details, such as the service being provided, the cost, contact details such as email addresses, phone numbers, etc., along with a before and after video or a photo of their work should be enough to establish an online presence and gain exposure to thousands of potential clients.

Getting ahead of the completion is what it takes to be successful in the development of a vacuum truck business. In order to get and stay on top, it is important to utilize effective marketing strategies and maintain extraordinary services. This is how this business is developed!

Sunday, September 30, 2012

The Advantages And Challenges Of Online Credit Card Payment For Auction Services

It is not surprising, then, that more and more web sites are seeking to facilitate business through accepting on line credit card payment for services. Numerous studies have shown that the convenience of on line credit card payment for services can increase business and attract more customers for a service provider.

A lot of businesses particular smaller ones of home based businesses run by a single person can be daunted by the task of setting up their web site so they can accept on line credit card payments though. It is actually not nearly as difficult to do as it may appear at first glance. One need not become a professional banker or a computer software genius to set up the possibility and benefit from the advantages of on line credit card payment.

One of the first tasks that a web site owner has to under take before accepting credit card payments is that of opening a merchant account. You should probably research various options because the best one for you will likely depend on the volume of sales you expect, the number of customers you will have and possibly the size of each average transaction. Fees can be high for numerous small transactions and that may affect your final decision. Monthly fee payments for the merchant account can also be a factor with many of the merchant account options.

The main options in setting up a merchant account include doing it through a bank. This option can instill credibility and trust from the site owner because it can be done through a bricks and mortar bank and you may get the help of a bank expert as to which options are available and would best suit your business. A merchant account with an actual bank is often the best option for large businesses with larger amounts of turn over in on line credit card payments. One problem with setting up a merchant account with a bank, though, may come in the form of restrictions from the bank itself. Banks are often reluctant to provide merchant account to internet based stores, particularly new ones or businesses that have no actual assets other than the web site itself.

Another option for setting up a merchant account for on line credit card payments is going through an independent sales organization. These are organizations that have affiliations with banks. They basically are managing the business on behalf of banks and assuming part of the risk. This is an easier type of account for most people to get although it will probably carry a higher cost. This type of merchant account is becoming increasingly common.

Another option when starting the process to accept on line credit card payments for services is to go through third-party processing. This can be done through, for example, PayPal and similar on line payment services but it is not a completely viable alternative to merchant accounts acquired through banks or independent sales organization. It can often add an extra step to the process and may end up costing the seller more as well.

After setting up a merchant account, the journey toward accepting credit card payments continues with options for actually paying. On the company web site, it is possible to set up shopping carts, which are frequently encountered on thousands of web sites today, allowing customers to collect items as they browse and then pay for it all later through a single transaction. Shopping carts effectively emulate the window shopping or browsing experience that many people enjoy while visiting an actual bricks and mortar store and may encourage larger purchases. This can also be done when accepting credit card payments for services.

Several sites of advice are available so you can research the best methods for your site and find guidance step by step to match the particulars of your needs. What is becoming increasingly clear, though, is that on line credit card payments, even for services, is the payment method of the future. An on line store pretty much cannot exist without being able to accept credit card payments. Options such as PayPal are often clunky and, while not everybody who shops on line has a PayPal account, all of them have credit cards. In fact, to open a PayPal account, the potential customer will need a credit or debit card in the first place.

Thursday, September 20, 2012

Selling A Walmart Gift Card

Do you have a gift card you don't plan on using anytime soon? Do you tend to misplace gift cards before they are used or just let them gather dust in your sock drawer? If this describes your gift card redemption habits then you should consider selling your Walmart gift card. That's right, you can get sell your Walmart gift card and get cold hard cash in return. Of course you will likely have to sell the gift card at a discount from the gift cards total balance but even doing this you are likely to come out ahead. Anyone who has gone to a financial advisor has heard the speech about liquid and illiquid assets, think of your gift card as an asset or investment. Holding a Walmart gift card is a lot like holding stock in Walmart, just stock that does not earn any interest, might be lost/stolen or in some states may even expire. You could hold the Walmart gift card for months on end, but as an asset it is not giving you any value. Now if you turn the card into cash you are free to buy something you need wherever you want, you can put the money in the bank, invest it or use it towards a vacation. It all comes down to what you value more, some potential future purchase at Walmart you may never make or whatever you would consume or invest in today if you sold your gift card.

If you have decided to sell your Walmart gift card then the first thing you will need to do is check the Walmart gift card balance. This is easy enough to do, you can check the balance of a Walmart gift card by phone, online or in the store. The easiest thing to do is flip your gift card over and read the information on the back of the gift card. It will definitely have instructions for checking the Walmart gift cards balance online, by phone, or both. After you know your cards balance it is time to decide where and how you want to sell your gift card. There are many ways you can find a buyer for your Walmart gift card in this article we will look at the easiest way to sell your gift card that brings you the maximum return.

By far the best way to sell your gift card is online. There is a website called Giftah.com that lets you sell Walmart gift cards or gift cards from just about any place that issued gift cards in the United States or Canada. The website pays you a percentage of your gift cards balance in cash. They will pay you by check or Paypal depending on your preference. The best part about selling your gift card on Giftah is the simplicity of the process. It took me less than two minutes to sell my card and the payment arrived very quickly. Unlike some of the other methods for selling gift cards the nice thing about selling your card online is that you don't need to exert the time and energy to track down a buyer for your gift card. After all time is money.

You can also consider selling your Walmart gift card by listing it on Craigslist, Kijiji or another local classifieds online or in a newspaper. People who prefer to sell their gift card locally use this option, however it takes a significant amount of work and time for the card to be sold. You must list and ad, if it's in a newspaper there may be a small fee. Then you wait for a response, if you are lucky and get a response you can than schedule a time to meet the person who would like to buy the card. Remember safety first! Be sure always meet people in a public area where you feel safe.

Friday, September 14, 2012

The Advantage Of Using The Safaricom Postpaid Service

When corporate and individual communication needs are well catered, the efforts of availing the services are in fact rewarded. You will not want interruption in the network or a high tariff or no-credit disadvantage or a no-network nuisance! Safaricom reviews speak volume about the Safaricom's unmatched services. This leading mobile phone operator of Kenya has even gone a step further adopting environment friendly energy solutions combining wind, solar power, and diesel to fill the power shortage afflicting Kenya's mobile communications networks. The Safaricom reviews also find mention about the myriad advantages of availing a Safaricom postpaid service.

Maximizing the benefits of mobile telephony is what Safaricom facilitates users with its postpaid service. As a postpaid user you can avail a whole lot of advantages such as credit facility, lower tariffs, personalized customer service via line 200 call center, fax & data, international roaming, PABX connectivity, Executive Voice Mail, and EDGE technology. With subscription to the Safaricom postpaid service you also benefit from the several packages; one such benefit is free phones. To know more about the Safaricom postpaid service in detail for individuals and businesses, you can visit its corporate website. If you read Safaricom reviews on web, especially related to its postpaid service, you can get to know about real experiences from real users!

International roaming with a Safaricom postpaid connection is one of the many aspects that have been spoken volume in the Safaricom reviews. Outside the geographical coverage area of your home network, you can have access to the portfolio of services that you have been availing including voice, SMS and data services. Irrespective of the destination you go to, you can always stay connected; even overseas travelers landing in Kenya can experience uninterrupted service from Safaricom. The company has agreements with 260 network operators in 116 countries to allow their subscribers roam while in Kenya. No matter whether you are visiting Kenya for business/leisure or as a Safaricom postpaid service subscriber visit other countries, you can stay connected always anytime anywhere with your near and dear ones including business associates.