Sweepstakes Scams Are a Form of Financial Elder Abuse

Sweepstakes scams continue to rack up victims, despite warnings to the public. Often, senior citizens are the target of these types of scams. Thus, sweepstakes scams are a form of financial elder abuse. In a typical sweepstakes scam, a fraudster contacts an elderly victim and informs them that they have won lottery. The catch is that the elderly victim is then told that they must send in money in order to collect the sweepstakes prize. California financial elder abuse attorneys warn senior citizens not to fall victim to sweepstakes scams.

Recently, the Federal Trade Commission announced that it is putting an end to one large sweepstakes scam based in Ventura County. The defendant in the case owned three companies that allegedly mailed out more than 3.7 million letters to people in more than 156 countries. In this case, instead of asking for large sums of money from senior citizen victims, they asked for smaller sums of money. California financial elder abuse attorneys warn the public not to fall for sweepstakes scams no matter how much money the fraudsters ask for.

In this case, the senior citizen victims received personalized letters with official looking seals, stamps and bar codes. The seniors were told that they had won millions of dollars and could get the money by first sending in a small fee of $20-$30 within a limited period of time. According to the Federal Trade Commission, the scam has brought in more than $11 million dollars, mostly from senior citizens. California financial elder abuse attorneys say that senior citizens are often targeted for these kinds of mailings.

One of the letters that was mailed out as a part of this scam states that the victim has been chosen from a pool of 250,637 names. There is fine print on the back of the letter that states that consumers will actually only receive lists of sweepstakes they can enter instead of a cash prize. According to the Federal Trade Commission, the fine print does not clear the company of wrong doing because the claims are misleading and victims do not get what they are promised. Frequently, people do not see the fine print and send in the $20-$30 fee.

Sweepstakes scams such as this are widespread and one of the top five scams targeting consumers, according to the Federal Trade Commission. The fact that sweepstakes scams successfully target senior citizens makes them another form of financial elder abuse.

Evans Law Firm, Inc. handles elder abuse cases in California. If you think that you have witnessed or are the victim of elder abuse then, contact Evans Law Firm, Inc. at 41

Roni Deutch Tax Firm Now Offering Bankruptcy Representation To California

After 19 years of dedicated tax resolution services to those in need across the nation, Roni Deutch’s tax law firm is now offering California residents bankruptcy representation services.

Roni Deutch, The Tax Lady, and her expert team of tax attorneys recently started offering a new service that represents residents of the state of California looking to possibly file for Chapter 7 bankruptcy.

According to Deutch, many who contact the Roni Deutch tax firm for tax debt assistance will often require assistance with other major financial issues. Deutch is very pleased to be offering a new service to residents of California that helps them with their debt and credit issues with the use of bankruptcy representation.

Economic Times and Help

Last year, the US faced troubling economic times. Roni Deutch has stated that the economic issues troubling the nation last year are far from over. More and more individuals and families are facing debts they cannot afford, according to Deutch. Clients possibly seeking a bankruptcy resolution are constantly contacting the Roni Deutch tax firm. Recently, the firm has been able to offer their new bankruptcy resolution service to California residents, opening up the ability for many to file for Chapter 7 bankruptcy.

Free initial evaluations are being offered California residents who may be considering Chapter 7 bankruptcy, and the Roni Deutch team will help clients determine if it is the correct solution to resolve debt issues.

For years, Roni Deutch has been recognized by millions as The Tax Lady. For the past nineteen years, Deutch and her tax team have been helping people nation-wide resolve their tax debt. Roni Deutch has helped taxpayers save tens of millions of dollars and has been directly responsible for agreeable, settled resolutions with the IRS over taxes owed for so many families. The Roni Deutch tax firm is now extending their services to include their new bankruptcy representation service to assist clients with resolving their other debt issues.

Roni Deutch and the Team

Roni Deutch, A Professional Tax Corporation, is a tax law firm recognized across the nation. The firm has been assisting tax clients to find equitable solutions to their tax liabilities for over nineteen years. The Roni Deutch tax law firm is an agency dedicated to debt relief. The firm assists taxpayers in filing for bankruptcy relief under the Bankruptcy Code.

What Type Of Entrepreneur Business Opportunity Should You Choose

Choosing an entrepreneur business opportunity is actually a lot harder than it used to be. There are a lot of scams out there, and sometimes you just never know what you are getting yourself into. But by taking care and learning to identify scams, you can avoid making mistakes and having your money stolen.

The good news is that if you do choose the right entrepreneur business opportunity, you could end up making quite a lot of money. For people who are looking to make a little extra money to supplement their full-time income or even to replace it altogether, you will find that there are many options to choose from.

One of the most popular opportunities right now has to do with selling online travel memberships. These memberships provide extremely good travel discounts for people who buy them, and for you, they can provide a very nice income. In addition, if you sign up for the discount program, you will make even more. By saving money on flights, cruises, and high-end resorts, you are actually adding to your income.

An entrepreneur business opportunity should be fun and enjoyable for you, not to mention provide you with some other benefit rather than just an income, and that is what makes a travel membership business the ideal business for many people. You can learn about travel, get discounts on it, and encourage other people (both online and offline) to sign up and get more travel for less money.

As long as you do your research and choose a legitimate business that has a proven track record of paying on time and providing good service to its affiliates, then you will be in a great position to make a good income and be able to create a business that you can one day hand down to your children.

Safety Consulting Firm – we salve safety problem of worker

Safety Consultant is to enable employer to protect employees and workers through practical applications. Safety Consultant should provide clients with insight and professional advice that is required to meet the demands of today’s ever-changing health and safety regulatory environment.

Benefits to Hiring a Safety Consultant

* Reduce overhead costs

* 100 percent business expense (deductible)

* Service available either as needed or specified by contract

* Training available for employees when required

* OSHA intervention service available by someone who has experience dealing with the agency,

can negotiate on your behalf, and can save you some serious expense, should you be fined

* Pre-OSHA inspection service and recommendations to correct potential problems at your site

* Up to date on safety regulations

* Available to check current safety manual and upgrade as required or write a new safety manual

specific to your company and industry

* Can set up and check OSHA-required paperwork for construction subs on the job site

Safety consultants are hired by companies, government agencies and consulting firms to help businesses address safety concerns that could potentially affect employees, customers and the general public. They work in a variety of settings, from mines to factories to construction sites.

Safety consultants should look for biological, chemical, physical or radiological hazards in the workplace. They also look for sources of potential injury to those at or near the location.

Additionally, they make sure that businesses put safety equipment in place and maintain it once it is set up.

If an accident occurs, safety consultants will investigate the situation to look for safety violations.They also will determine how to correct safety problems.

In addition to finding and solving problems, safety consultants predict problems by calculating risks and examining data from safety records, as well as industry data.

Our company is a Industrial Hygienist which is providedSafety Consulting Firm.

Great Investment Tips For The Current Recession

With many headwinds threatening to send the US back into a recession, many smart investors are focusing their portfolios on only the income generating stocks and commodities (especially precious metals) that still have room to run.

Many astute economists now admit that the hangover from the financial crisis is still playing out and while many people are panicking and losing money there are many areas of growth out there at the moment. Investors just need to look past all the doom and gloom that is out there and being written in the papers and economic journals.

The 7 best ways to protect yourself from the coming economic troubles include:

1) Focus your efforts on High quality businesses and stocks that have A-Type balance sheets and strong yields.

2) Stocks that only provide reliable dividends and have a proven track record in a weak economic environment.

3) Choosing stocks and bonds that show low debt to equities ratios and high liquid asset ratios currently. This is really companies with good balance sheets and no heavy debts lingering from the financial crisis.

4) Choosing the hard assets such as oil and gas royalties, and similar real estate investments with a long term focus on various income streams.

5) Choosing sectors and companies that have high variable costs, and low risk entries such as utilities, consumers staples and especially health care services.

6) Choosing areas such as high growth potential in the Alternative / Clean energy sectors. Or also sectors that are not heavily reliant on bullish equities markets and volatile market swings.

7) Subscribe to the free trends alert with all the latest and greatest tips for investing in a poor economy at with regular updates from some of the best investing minds and forecasters in the world.

The best thing about a weak economic environment is that good opportunities stick out like a sore thumb. You just have to be on the lookout for them. Do not think that there are limited opportunities out there at the moment. There is an era of very aggressive growth coming when the US recovers from this credit crisis hangover. The best time to ride the coat tails of this booming period is before it happens. That time is right now, when everything is cheap and flat lining.

The best bet is to never put all your eggs in one basket. There are always opportunities out there, and no one ever made lots of money but not diversifying. Investment diversification will be your friend in the next few years at the US and economic situation start to get better.

Hire the most expertise attorney for modification of loans

There are several reason for taking loan such as losing the job, a fall in income, any medical emergency or any other crisis. However, with increasing needs people are falling prey to the vicious of loans. Therefore, people facing foreclosure or are struggling to make their mortgage loan payments can easily prefer loan modification. If is not easy to make an attempt for loan modification but if you are consulting an experienced attorney then they can easily help you with the negotiations.

Loan modification attorneys have started to specialize in this area, therefore nowadays you can easily find an attorney for your process, but it is highly advisable to prefer the most reliable one. Therefore, if you are searching for the best then you can easily take the help of the internet.

They are the leading service providers that offer high standard attorney service to people suffering from loan issues. Before modifying any mortgage, their professionals will help you to to investigate the HARP 2.0 programs before making any decision. Their professionals will complete the modification, and will allow you to have insurmountable amount of past due payments. They excel in providing several benefits which include Unlimited Loan-to-Value Restrictions, Lower Banking Fees & Rates, Owner, Investment, Second Homes OK, 30, 20 & 15 Terms Available, Less “Red Tape” and More Lender Participation.

The home affordable refinance program harprequire a quick eligibility which includes that your home loan is owned or guaranteed by Fannie Mae or Freddie Mac, loan should be sold to Fannie Mae or Freddie Mac before May 31, 2009, you are currently on your mortgage payments, you owe more than your home is worth, or is there minimal equity in your home, you have made all of your mortgage payments on time in the last 6 months and you have had NO sixty (60) day late payments in the past 12 months.

Their loan modification specialistwill make it easier for lenders to refinance HARP-eligible mortgages which otherwise would be difficult. Their services will help you to stand in a better position by experiencing a reduction in monthly principal and interest payments. Their efforts will move you from a more risky loan structure to a more stable product. Their home improvement loans

The main aim of the loan modification is to provide access to low-cost refinancing for responsible homeowners suffering from falling home prices. Their solution provide mortgage insurance flexibilities and offer mortgage refinances with no limits on LTV.

For more information regarding their services and facilities you can directly log on to their website. Customers are given special attention and the queries are dealt with special care, so feel free to contact them.

Role of Management Education in Shaping Future Managers and Entrepreneurs

When we talk of management education, we are basically referring to shaping up the students, aimed towards developing their competency and capability either as a manager fit to join an organization and help it to grow or as entrepreneur, to establish and grow ones own business. This capability does not come from possessing a management diploma or degree, but also requires developing in the students the will and skill to contribute for self sustenance and nation building. Presently it is seen, that there is a wide gap existing between the type of management education imparted in MBA colleges and what is there in real life management in business organizations. In order to make management education more realistic and useful for the industry, certain key areas need to be identified. These could be:-

(a)Benchmarking quality management education to create an enduring quality managers and entrepreneurs.
(b)Bring in professionalism in management education.
(c)Adequacy of qualified and competent faculty members, proper infrastructure, support facilities and regular updating of curriculum.

Benchmarking Quality Management Education

Benchmarking with the top management colleges inspires an institute to produce quality managers. Management education needs to include knowledge, skills and abilities (KSA) that are needed today and that will be needed tomorrow by the industry. The mission of management education should be to become innovative and creative. The objectives of benchmarking should be to:-
Make own students employable in industry.
Moving the institute from academic mode to corporate mode. To achieve these objectives the agenda should be:- (a) To identify the industry expectations of the skill sets required of students. (b)To identify the areas of Total Quality Management (TQM) in management education. (c) To identify the changes required in teachers imparting management education.

Professionalism in MBA/PGDM Education

There are many reasons for the wide differences in the quality of management education in different institutes in India. The main reason is the absence of a body that can ensure that the standards set are practiced and retained by all management institutes, like AACSB in USA. We do have an apex body the All India Council for Technical Education (AICTE), that is responsible for setting the basic framework, guidelines and standards for quality of business education, there are however many problems when it comes implementation of these standard by MBA colleges and institutes and these problems undermine the effectiveness of these standards. In order install quality in management education in India, the AICTE and MBA colleges / universities in the country should focus on the following issues:-
Quality of faculty.
Infrastructure development.
Accountability of management institutes.
Values and ethics.
Role of professional bodies (AIMA, ISTD, etc).

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

The 30 Day Challenge For Entrepreneur Success

The moment that you begin with your new online business you are taking the challenge and beginning a new part of your life. Entrepreneur success is about making changes to your habits and your to your thinking, so when you take the 30 day challenge with your online business you set the seeds for success in you.

Habits take about 30 days to become a part of our new way, and by building sturdy entrepreneur habits you set off the process of creating a solid foundation for yourself and for your business. Make some time in deciding what you want to do and achieve over the next 30 days in your online business.

Take the 30 day challenge and set your goals for your entrepreneur success. Make an action plan of what you will to gain knowledge of and begin to master and build an action list of what exactly you will do to develop your online business. It is the process of daily action in the pursuit of your goals that leads to business success.

The very process of starting a new business means you expect to set up a new way of life. Make the new way a way of self empowerment. By educating yourself as much as you work on your business, you will be creating the new habits that are critical factors for entrepreneur success. You can reach whatever you believe you can, and the same applies to you will fail at whatever you believe you will, so by settingstrong empowering beliefs and following your action plans you will lead yourself towards the outcomes that you want. Positive thoughts and actions are the critical success factors.

Adopt change, welcome the change that will occur. The more that you prepare the changes the more you will feel in control of what is happening. We all are happy in ourselves to the degree that we have control of what is happening around us. By organising yourself for the next 30 days you will be taking control of your new habits and actions and at the same time taking control of your new business.

Entrepreneur success is a habit, take the challenge and shape a forward momentum in your life. By changing how you see yourself and how you behave you will at the same time change how others see and believe in you. That will change the outcome with your business.

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