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	<title>Splurgd! Free Journal Articles</title>
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		<title>National Positions Makes 2nd Appearance in Inc 500</title>
		<link>http://www.splurgd.com/national-positions-makes-2nd-appearance-in-inc-500/</link>
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		<pubDate>Fri, 03 Sep 2010 08:52:10 +0000</pubDate>
		<dc:creator>nationalpositions</dc:creator>
				<category><![CDATA[SEO]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Agoura Hills, CA – National Positions (<a href="http://www.nationalpositions.com/">www.nationalpositions.com</a>) , a leading provider of Internet marketing services, has earned the position of 112 on the Inc. 500 for the second year in a row.  Inc. Magazine’s prestigious listing honors the 500 fastest growing privately-held companies in the US.  Continuing its trend of remarkable growth, National Positions has increased its revenue over the past three years by 2,246% (up from a previous three-year growth of 1,455.6%).</p>
<p><a href="http://www.splurgd.com/national-positions-makes-2nd-appearance-in-inc-500/" class="more-link">Read more on National Positions Makes 2nd Appearance in Inc 500&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Agoura Hills, CA – National Positions (<a href="http://www.nationalpositions.com/">www.nationalpositions.com</a>) , a leading provider of Internet marketing services, has earned the position of 112 on the Inc. 500 for the second year in a row.  Inc. Magazine’s prestigious listing honors the 500 fastest growing privately-held companies in the US.  Continuing its trend of remarkable growth, National Positions has increased its revenue over the past three years by 2,246% (up from a previous three-year growth of 1,455.6%).</p>
<p>&#8220;This is a remarkable achievement that could only have be made possible through the hard work and dedication of our world-wide team, as well as the support of so many of our long-time clients&#8221; said Bernard May, CEO.</p>
<p>National Positions’ ability to offer consistent results and its reputation as a leading provider of Internet marketing services provide a solid foundation to support the company’s exponential growth.   The company has also added several key new products to its suite of SEO solutions, giving clients even more options to grow their businesses online.  New products include enhanced Local Search, Video SEO, Conversion Optimization and Social Media Marketing products.</p>
<p>Another factor in National Positions’ growth is the increasing strength of the search engine industry as a whole.  This is largely due to increasing awareness of the importance of SEO and the role it plays in a company’s success.  Additionally, the ever-changing nature of SEO means that long-term strategies are a crucial component in a company’s continued internet marketing success.  As a recognized and respected <a href="http://www.nationalpositions.com/">SEO company</a>, National Positions is able to offer clients exactly that – a long-term blueprint that recognizes the dynamic nature of search engine optimization for strategies that work not only today, but even as algorithms and user trends evolve.</p>
<p>Since the company’s start in 2004, National Positions has grown from a fledgling business in the CEO’s garage into a worldwide venture, with offices in India, South Africa, and the UK.  With a focus on delivering quality results and an excellent customer experience, National Positions’ more than 95% retention rate points to the most important reason for its continued success.  Continued commitment to these ideals will pave the way for future growth and stability.</p>
<p><strong>About National Positions</strong>: Headquartered in Los Angeles, with offices in India, UK and South Africa, National Positions is one of the fastest growing Internet Marketing companies in the world today. The company’s rapid growth is attributed to an excellent track record, established relationships with major search engines and outstanding levels of client support. With retention rates of over 95%, National Positions stands out in the search engine marketing arena. By leveraging an international presence, proprietary technology, high work standards and competitive pricing, National Positions is committed to delivering exceptional results to businesses looking for an internet marketing strategy that works.</p>
<p><strong>About Inc. Magazine:</strong> Founded in 1979 and acquired in 2005 by Mansueto Ventures, LLC., Inc. magazine (<a href="http://www.inc.com/">www.inc.com</a> <a href="http://www.inc.com/">http://www.inc.com</a>) is the only major business magazine dedicated exclusively to owners and managers of growing private companies that delivers real solutions for today’s innovative company builders.  With a total paid circulation of 724,110, Inc. provides hands-on tools and market-tested strategies for managing people, finances, sales, marketing, and technology.</p>
<p><strong>About Inc. 500|Inc. 5000 Conference:</strong> Each year, Inc. magazine and Inc.com celebrate the remarkable achievements of today’s entrepreneurial superstars — the privately held small businesses that drive our economy. The Inc. 500|Inc. 5000 Conference brings together members of the Inc. 5000 community—both a new class of Inc. 5000 honorees and the list’s alumni—for three days of powerful networking, inspired learning, and momentous celebration.</p>
<p><strong>For More Information:</strong></p>
<p>Bernard May</p>
<p>National Positions</p>
<p>5012 Chesebro Road</p>
<p>Suite 200</p>
<p>Agoura Hills, California, 91301</p>
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		<title>Isn’t it Time You Knew What Is Really Happening with Loan Modifications?</title>
		<link>http://www.splurgd.com/isn%e2%80%99t-it-time-you-knew-what-is-really-happening-with-loan-modifications/</link>
		<comments>http://www.splurgd.com/isn%e2%80%99t-it-time-you-knew-what-is-really-happening-with-loan-modifications/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 23:55:30 +0000</pubDate>
		<dc:creator>Sharon Zeeks</dc:creator>
				<category><![CDATA[Mortgage]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Currently, every Bank’s Foreclosure Department operates at maximum efficiency, smoothly running through the processes required to foreclose on you in “a timely fashion”.</p>
<p>Meanwhile, the Loan Modification department, whose job is to “help” you stay in your home, operates like the three stooges (losing faxes, asking for the same thing over and over, transferring you to multiple untrained personnel – often in India). They just seem to be “unable” to do a job that normally does not take more than a couple weeks completed in less than a year.  <strong>Actions speak louder than words.  The actions are to foreclose.</strong></p>
<p><a href="http://www.splurgd.com/isn%e2%80%99t-it-time-you-knew-what-is-really-happening-with-loan-modifications/" class="more-link">Read more on Isn’t it Time You Knew What Is Really Happening with Loan Modifications?&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Currently, every Bank’s Foreclosure Department operates at maximum efficiency, smoothly running through the processes required to foreclose on you in “a timely fashion”.</p>
<p>Meanwhile, the Loan Modification department, whose job is to “help” you stay in your home, operates like the three stooges (losing faxes, asking for the same thing over and over, transferring you to multiple untrained personnel – often in India). They just seem to be “unable” to do a job that normally does not take more than a couple weeks completed in less than a year.  <strong>Actions speak louder than words.  The actions are to foreclose.</strong></p>
<p>You have heard people say, “Don’t pay a professional to get your loan modified.”  They tell you that you can work with those helpful lenders who got us all into this mess.  They reassure you that you’ll get a great loan mod&#8211; but wait—those are the people who are suing you to foreclose on your home!   Since when do people who are suing you really become (honestly now) “helpers”?</p>
<p>Did you know they make far more money if they foreclose on you?  They lose money if they give you a loan mod.  And don’t overlook this little item: many of them are even guaranteed to make money if they foreclose!  Check out this video that made big waves a couple of months back, it revealed one such guarantee by the FDIC and One West Bank. <a href="http://vimeo.com/10074664">http://vimeo.com/10074664</a></p>
<p>Seriously, the banks hate to see Tila Solutions involved. They know that if Tila is investigating,  they can’t kick you around.  They know that when Tila Solutions Examiners audit home and commercial property loans they find laws broken and fraud committed.   It really messes up the bank’s game plan!</p>
<p>Tila gives the power to force the bank to do a loan mod or have the tides turned on them, with you being the one suing!  That one suit of yours could become the basis for many others.  Class action suits against the banks are rampant right now.  Bank of America is currently being sued for taking government funds to do loan modifications and then NOT DOING THE MODIFICATIONS.  <span style="text-decoration: underline">And remember this:  You are still providing your share of 75 billion dollars to keep the banks afloat so they can pretend to help you while they are actually foreclosing on your home.</span></p>
<p><span style="text-decoration: underline"> </span></p>
<p>Take a look at a couple of the emails that Tila Solutions receive everyday from people needing help.  Below these emails are examples of what the outcome is when Tila Forensic Loan Audits are used with the banks.</p>
<p>Of course, you can try for a loan modification on your own and probably lose your home. Or you can contact a Tila Consultant and ask for a forensic audit on your loan.  They’ll also take over the negotiations for you and in almost all cases they will save your home and cut your payments by 40%-50%.</p>
<p>&#8212;&#8211;Original Message&#8212;&#8211;<br />
From:<br />
Sent: Thursday, May 27, 2010 8:39 PM<br />
To: helpdesk@tila-now.com<br />
Subject: Online Application Information</p>
<p>Name:</p>
<p>Phone number:</p>
<p>State:</p>
<p>Email address:</p>
<p>My situation is: In Feb 2009 we began loan modifacation. Home Eq was sold to Quantum and Quantum recommended we do a re finance. GMFS the refi company has had us waiting since last Feb 2010 on the closing. Recieved notice today that if we do not pay 3,000 by tomorrow our home will be forclosed on June 1, 2010. We do not have those funds and are considering short sale or some advice.</p>
<p>_____________________________________________________________________________</p>
<p>&#8212;&#8211;Original Message&#8212;&#8211;<br />
From:<br />
Sent: Thursday, May 27, 2010 4:28 PM<br />
To: helpdesk@tila-now.com<br />
Subject: Online Application Information</p>
<p>Name:</p>
<p>Phone number:</p>
<p>State:</p>
<p>Email address:</p>
<p>My situation is: I am an attorney and would like to talk to you about using your service.</p>
<p>_____________________________________________________________________________</p>
<p>From:<br />
Sent: Wednesday, May 26, 2010 11:14 AM<br />
To: helpdesk@tila-now.com<br />
Subject: Online Application Information</p>
<p>Name:</p>
<p>Phone number: State:</p>
<p>Email address:</p>
<p>My situation is: Chase was the 2nd mortgage they paid the 1st off now someone cam to my door and told me that they are her to relocate me HELP</p>
<p><strong> </strong></p>
<p><strong>Below are just a few examples of the types of results we get for clients every day at Tila</strong></p>
<p><strong><span style="text-decoration: underline">Loan Modifications &amp; Restructurings:</span></strong></p>
<p>Perm Loan Mod agreed to:  Step Rate mod starts at 2% in 2010 and moves to 5.25% in 2018 until maturity in July of 2050.  $127,542.71 of the principal balance is being deferred by B of A and interest will not be charged on this amount. Remaining Principal balance of $306,152.73 will be interest bearing.  Regular monthly mortgage payment prior to modification was $3809.58/month.  New monthly payment after mod is $1951.27.</p>
<p>FROM LISA: Thank you very much . Without TILA &amp; Liana I believe loan mod agreement for me would never happen.  Lisa</p>
<p>_____________________________________________________________________________</p>
<p><strong><span style="text-decoration: underline">Dianna G</span></strong><span style="text-decoration: underline">: </span></p>
<p>Old Terms:   10.750% Adjustable rate interest, $608.00 monthly payment</p>
<p>New Terms:   4.600% Fixed rate interest, $339.36 monthly payment</p>
<p><em> </em><strong><em>Lowered interest rate by 6.15%! Changed from Adjustable Rate to Fixed Rate!</em></strong><em> </em></p>
<p><strong><em> Homeowner now current on loan and foreclosure has been stopped!</em></strong><em> </em></p>
<p>_____________________________________________________________________________<strong></strong></p>
<p><strong><span style="text-decoration: underline">DOUG  N: </span></strong></p>
<p>Old Principal Balance:     $161,275.55</p>
<p><strong> New Principal Balance: $156,849.13</strong></p>
<p>Old Terms:   7.57% interest, monthly payment including escrow: $1,729.81</p>
<p>New Terms:  4.68% interest, monthly payment including escrow: $1,567.37</p>
<p>Legal fees and outstanding escrow advances amount waived:   $13,191.59</p>
<p><strong><em> </em></strong><strong><em>Lowered Principal balance, lowered interest rate, $13,191.59 of fees waived!</em></strong></p>
<p>_____________________________________________________________________________<em> </em></p>
<p><strong>SHORT SALES</strong></p>
<p><strong><span style="text-decoration: underline"> </span></strong></p>
<p><strong><span style="text-decoration: underline">JIM<em> </em>T</span></strong><span style="text-decoration: underline">. </span></p>
<p>Principal loan amount prior to short sale:    $651,111.52</p>
<p><strong> RESULTS:</strong></p>
<p><strong>Short Sale lender Accepted: $447,950 as debt paid in full</strong></p>
<p><strong><em> Overall debt forgiven:  $203,161.52</em></strong></p>
<p><strong><em> </em></strong><strong><em>Home owner walked away from home with <span style="text-decoration: underline">NO</span> outstanding financial liability to lenders.</em></strong></p>
<p>_____________________________________________________________________________</p>
<p><strong><span style="text-decoration: underline">MARIA D.</span></strong><span style="text-decoration: underline"> </span></p>
<p>Principal loan amounts prior to short sale:  2 Lenders</p>
<p>Senior Short Sale lender: $499,966.69<br />
Junior Short Sale lender: $163,449.09</p>
<p><strong> Results:</strong></p>
<p><strong>Senior Short Sale lender accepted: $365,573.27<br />
Junior Short Sale lender accepted: $    3,250.00</strong></p>
<p><strong><em> </em></strong><strong><em> Overall debt forgiven:  $294,592.51</em></strong></p>
<p><strong><em> Home owner walked away from home with <span style="text-decoration: underline">NO</span> outstanding financial liability to lenders.</em></strong></p>
<p>_____________________________________________________________________________</p>
<p>Sometimes when you are as effective as Tila Solutions, you get attacked.  Usually by the competition or possibly even by those you investigate (the lenders or their paid attack dogs).   Tila’s results speak for themselves, just look at those permanent mods!  Tila poses a real threat to who have been trying  to take your home!    That is why we are most likely the only firm with an A rating by the BBB.   What is your bank’s rating?  Somewhere between a D and a F-?  Or the competition –will almost always be scoring below a C.  Some have fallen to an F.  Tila restores your dignity and self-respect! Despite the attack dogs, Tila Solutions Saves Homes, lives and families.</p>
<p>You can reach a Tila Solutions Consultant by calling 1 -307 -459 – 0232 or visit their website at  <a href="http://www.tilasolutions.com/">http://www.tilasolutions.com</a></p>
<p><strong>TAGS: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure</strong></p>
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		<title>Ways to Protect Your Vehicle</title>
		<link>http://www.splurgd.com/ways-to-protect-your-vehicle/</link>
		<comments>http://www.splurgd.com/ways-to-protect-your-vehicle/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 05:53:30 +0000</pubDate>
		<dc:creator>gotrackinc</dc:creator>
				<category><![CDATA[Cars]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>If you’re worried about your vehicle being stolen, or broken into, you have legitimate concerns. Crimes involving stolen cars, or theft from vehicles, is a huge problem, and not enough people are doing anything about it. However, you can protect your car if you’re willing to do a little bit of extra work.</p>
<p><a href="http://www.splurgd.com/ways-to-protect-your-vehicle/" class="more-link">Read more on Ways to Protect Your Vehicle&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>If you’re worried about your vehicle being stolen, or broken into, you have legitimate concerns. Crimes involving stolen cars, or theft from vehicles, is a huge problem, and not enough people are doing anything about it. However, you can protect your car if you’re willing to do a little bit of extra work.</p>
<p>An alarm system is built-in in pretty much every car you can buy today; in fact, it’s pretty much mandatory for any car seller to offer a reasonable amount of alarm protection to the buyer of the car. However, traditional car alarm systems have never been particularly effective at stopping crime, so protecting your car fully using an alarm system is a little bit trickier. You might want to talk to a professional car alarm company who will be able to offer you a more complex solution than the one you currently have. Some of the latest car alarms have extremely advanced technology and will ward off most thieves, but they certainly aren’t 100% successful. The main problem with an alarm system is that some thieves simply don’t care about the noise that is made by it. Some have worked out ways to disable alarm systems, while others will simply drive your car for 5 minutes and then leave it on the side of the road. Unless you’re within a reasonable distance of your car, an alarm system isn’t necessarily going to stop it from being broken into and stolen. Of course, they are an excellent preventative measure, but there are other solutions that might be better suited to your needs.</p>
<p>Installing an immobilizer is a great way to ensure that a thief is unable to drive your car away. However, despite the theory behind an immobilizer being excellent, it doesn’t always work in practice. The problem is that experienced thieves will know how to bypass most immobilizers to drive the car anyway, so installing one might not really help when someone is trying to steal the car. Some people try to use a steering lock on the car, especially in cities or areas where parking is dense. However, these are cumbersome and frustrating to use, so they aren’t the best solution. Sure, a steering lock will stop most opportunist thieves, but the chances are that you will forget about it after a while or just stop using it because it is so annoying.</p>
<p>Other types of protection are generally excellent ways to stop your car getting damaged or stolen. Adding exterior protection (thicker windows, different material on the doors, etc.) can definitely help if someone is trying to smash your car up, but they are extremely expensive to install. You can talk to a professional firm to ensure things like your windows are better protected, but there’s very little you can do against someone who is hell-bent on breaking into your car, especially if they have a weapon of some sort.  On the other hand, protective measures will increase the safety of your car, which is a great side-effect of trying to keep the thieves away using this method.</p>
<p>A GPS tracking system may be your best bet when trying to keep thieves at bay and ensure safety inside your car. A tracking system will ensure that you can tell exactly where you car is or was at any given time. If your car is stolen, you can simply logon to your computer and see its exact location right there in front of you. The tracking system can also send you alerts whenever the car is driven at certain speeds, in certain areas, and at certain times, so you can monitor suspicious activity from a remote location. Of course, a tracking system won’t necessarily stop your car from being stolen, but it will ensure that you get it back if it is. A GPS system is also great if you’re concerned about the use of a car, or the safety of those driving it. They are popular among parents or business owners who are looking to ensure that a car is being used in the intended way, and within safe boundaries. The tracking system will give you a wealth of data to track the usage of the car, right down to some of the more intricate driving behaviors that are tracks. Tracking systems are also much cheaper than some of the other solutions listed above, so it’s a quick way to get peace of mind about your car, or any cars you are looking to monitor. For more information please Visit : <a href="http://www.gotrackinc.com/">www.gotrackinc.com</a></p>
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		<title>The Other Side of Halloween Costumes World</title>
		<link>http://www.splurgd.com/the-other-side-of-halloween-costumes-world/</link>
		<comments>http://www.splurgd.com/the-other-side-of-halloween-costumes-world/#comments</comments>
		<pubDate>Sun, 22 Aug 2010 18:59:41 +0000</pubDate>
		<dc:creator>Kortney Woods</dc:creator>
				<category><![CDATA[Women's Issues]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Originally the meaning and the way of wearing costumes was different and was followed by other centuries and occasions. Few centuries ego it was a way of living wearing special costumes in everyday life. It was a tribute to fashion, time and of course the position. Today hearing a word “costume” we are thinking about tiny and flashy outfit coming from a movie or cartoon. Woman thinking of costumes imagine sexy garment with flattering curves and funny cuts.</p>
<p><a href="http://www.splurgd.com/the-other-side-of-halloween-costumes-world/" class="more-link">Read more on The Other Side of Halloween Costumes World&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Originally the meaning and the way of wearing costumes was different and was followed by other centuries and occasions. Few centuries ego it was a way of living wearing special costumes in everyday life. It was a tribute to fashion, time and of course the position. Today hearing a word “costume” we are thinking about tiny and flashy outfit coming from a movie or cartoon. Woman thinking of costumes imagine sexy garment with flattering curves and funny cuts.</p>
<p>Costumes in today world have lost their previous meaning serving now for parties, Halloween time and funny moments. Mostly all costumes are coming from seasonably popular movie character which has been promoted a lot by celebrities. But there are also unique costumes which reflect the life of classic character or a hero from famous cartoon. Customized costumes also can be made pairing flattering outfits and adding creativity and imagination. Adding more affords in your masterpiece something absolutely gorgeous and stunning can come live impressing everyone.</p>
<p><a href="http://www.fatalwoman.com"><strong>Sexy costumes</strong></a> are used more often while Halloween time to display your inner world and to have a fun with other people. Costume designers are paying a lot of attention to color combinations, tiny details and of course accessories. Basically it would be better called a costume set not a costume. Such accessories as hats, crowns, boot covers, petticoats, gloves, wigs, stockings, shoes and others are great because thanks to all of them it is very easy to complete the look and create a true illusion. To dress up in a costume is very close to be a theater actor for one time. Someone else clothing, mood, condition and life. Can be very exciting and interesting. In 2010 still popular are schoolgirl costumes (as actually all the yearlong), pirate costumes, queen and heroes, Indian princesses, Sheriffs, cowgirls, French maids, nurses, sailor captains, police officers, mafia costumes mousses, lady bees, pussy cats, cupids, cabaret dancers, military solders, racers, cheerleaders, scouts, bunnies and many, many others.</p>
<p>Alice in Wonderland and other characters from this story are very popular this year. Tea party teasers, wonderland queen, queen of hearts rabbits and Alice itself in variety of colors, patters and views – one of most popular in 2010.</p>
<p><a href="http://www.fatalwoman.com">Lingerie costumes</a> or also called fantasy costumes are made to play and to find a right way for both. Lingerie costumes are made mostly as lingerie sets with additional inserts and attributes to transfer the fantasy into different way. Mostly they are baby dolls, dresses or sets but very short and mostly seer. Additional accessories can be purchased separately to complete the look. Lingerie costumes also come in most popular characters but in luxe way. Sexy French maids will be ready to clean up the house, nurses will arrive in time to check your temperature, naughty schoolgirls will stay extra for additional credits, and super heroes will arrive in time to save any situation.</p>
<p>To take care of your costumes is also something essential and what is in the air. Some costumes partially made of laces and very delicate fabrics which cannot be washed and dried in a regular way. Special instructions on tags and booklets should be followed to extend the life of the costume and in re-usable purposes as well.</p>
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		<title>Reasons To Use A Storage Facility</title>
		<link>http://www.splurgd.com/reasons-to-use-a-storage-facility/</link>
		<comments>http://www.splurgd.com/reasons-to-use-a-storage-facility/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 07:11:04 +0000</pubDate>
		<dc:creator>storagepost</dc:creator>
				<category><![CDATA[Customer Service]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Thousands of people choose to use storage facilities to keep their valuable items safe, but why is that the case? There are a variety of different reasons, and everyone has their own personal situation that dictates how they approach a decision like this; let’s take a look at just a few of the reasons why people use storage facilities.</p>
<p><a href="http://www.splurgd.com/reasons-to-use-a-storage-facility/" class="more-link">Read more on Reasons To Use A Storage Facility&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Thousands of people choose to use storage facilities to keep their valuable items safe, but why is that the case? There are a variety of different reasons, and everyone has their own personal situation that dictates how they approach a decision like this; let’s take a look at just a few of the reasons why people use storage facilities.</p>
<p>Security is probably the primary reason people choose to use a storage facility rather than keeping their valuables at home with them. For many people, it’s just too much responsibility to have something worth thousands of dollars sitting in their home, no matter how well hidden. This is especially true if you’re not in a particularly great neighborhood, or if there have been burglaries elsewhere near you. Whether a piece holds purely monetary value, or you have a sentimental attachment to it, you’re going to want to put it into storage as quickly as possible to ensure it isn’t stolen or damaged.</p>
<p>Now, most <a href="http://www.storagepost.com/">storage companies</a> will focus a great deal on security, but that doesn’t necessarily mean they are doing a good job. Some feel that sheer manpower is enough, but that’s not always true, since human error becomes a factor. Of course, it’s also not a good idea for a storage facility to rely solely on computer-based security, since those can fail (though rarely) as well. That’s why a good storage facility will maintain a good balance between security guards and in-built electronic security. There should be coded security locks on the outer doors, and then coded locks on each individual unit’s door. There should only be one or two entrances for customers or those looking to access the facility, and any other entrances should be well secured. If you can see these signs in a storage facility, they should be able to handle your items very well, and you can be safe in the knowledge that they are completely secure inside the facility.</p>
<p>One of the problems with secure facilities is that they can often be quite difficult to access for customers. It shouldn’t be the case that it feels like a lot of effort just to be able to get to your belongings, so there should be procedures in place to allow you to do that. If it feels like you’re completely separated from your valuables at all times, and you can’t access them in an emergency, it can be quite frustrating, so try to choose a storage company who understands how important it is for you to feel comfortable with them. That’s where customer service comes in; it’s great to use a <a href="http://www.storagepost.com/">storage facility</a> that has staff on-hand to help you when you need them. You want to feel like you are being looked after, and that they understand how important it is for their customers to be happy. If they can’t do this, it might not be worth dealing with them at all.</p>
<p>One of the biggest problems with storing valuables in your own home is that you often can’t set the right kind of conditions in order to keep them in good condition. For example, certain types of art, or even something like wine, need to be kept at a particular temperature, or they will begin to deteriorate. Of course, you could spend hours trying to come up with a complex solution to this problem, but it probably won’t be particularly successful. Instead, you can just put your valuables in a temperature-controlled storage center, where you know for sure that they are not only safe, but will be kept in the right conditions. You can do this for as long as you want, until you would like to take the valuables out for some reason, but they won’t be disturbed at all while they are in storage, meaning you can be sure that they aren’t coming into contact with anything which could damage them.</p>
<p>Other items are particularly fragile, and are very risky to move around often. If you’re in a small apartment or house, you’re not going to want to leave a valuable items precariously on top of a wardrobe  in your bedroom, since that will almost certainly lead to disaster at some point. Instead, carefully put your item in a storage facility that will be able to safely store your item so that it isn’t in any danger of being damaged. You might want to check with the storage facility before you bring your item just in case it is too large for their hallways and they will need to prepare. For more information please Visit : <a href="http://www.storagepost.com/">www.storagepost.com</a></p>
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		<title>If I Am Not in Foreclosure, Do I Need a Forensic Loan Review?</title>
		<link>http://www.splurgd.com/if-i-am-not-in-foreclosure-do-i-need-a-forensic-loan-review/</link>
		<comments>http://www.splurgd.com/if-i-am-not-in-foreclosure-do-i-need-a-forensic-loan-review/#comments</comments>
		<pubDate>Thu, 19 Aug 2010 13:55:11 +0000</pubDate>
		<dc:creator>henry-Jackson</dc:creator>
				<category><![CDATA[Mortgage]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. You do not have to wait to do an audit as a means to stop foreclosure.  Get it before foreclosure even begins!   If you are nearing or are in foreclosure, a Tila Consultant can help.  They can also help people who are current on their loans or those with investment properties.  </p>
<p>Banks operate to make money and they treat you well as long as you are helping them to make money. If you aren’t, then you are “not their kind of client”.  The only relationship you ever will have with the bank is based upon how well you give them the money that you agreed to. The lender does not consider any financial hardship as a good reason to give you a loan modification-mostly they ask for a “hardship letter” to see if you have recovered and thus maybe give them money again.  Their only interest is in seeing the loan they gave you resulting in a monthly payment made on time.  </p>
<p>When a homeowner is rejected for a loan modification by his lender, a Forensic Loan Review is the critical first step that he or she should take to resolve the situation. A homeowner does not have to wait until he needs to stop foreclosure to get a Loan Audit done.  In fact, the wise homeowner does not approach his lender to request a loan mod until he has his forensic loan audit completed.</p>
<p>What is interesting is that  a violation-free loan,  normally can withstand any hard times you may experience during the life of the loan.  </p>
<p>Tila Solutions is an Audit Company that investigates loans.  If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “oddities” or pressuring to get you into that loan, then you should have it audited.  </p>
<p>There is a large body of laws that were passed to help prevent you from getting a predatory loan – which is a loan that heads you straight to foreclosure. Do you remember the day you got your loan?  Do you recall reference to TILA, RESPA, HOEPA and ECOA?  These are the laws that guide lenders and ensure they give you a loan that is in your best interest – they help prevent you from getting a predatory loan. They make sure you understand what you are getting before you sign, and give you a choice to rescind.  Also, Tila Examiners often find fraud in these loans.   </p>
<p>Tila Solutions Examiners will methodically go through your loan and locate all the violations and as you can imagine, your lender then loses much firepower against you! He no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.  </p>
<p>A Mortgage Audit also called a Forensic Loan Review or Forensic Loan Audit is an actual investigation or a detailed examination of the loan that the lender created issued to you.  The audit is done to find all the Federal Laws that the banker violated.</p>
<p>Homeowners cannot forget that it was their lenders who lied to them when they gave them the loan, and it is their lenders who are still lying to them.  Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.</p>
<p>Once the Forensic Loan Audit is completed, you need somebody on your side who can get something done with it! Some lenders, who often seem to operate above the law, have actually told homeowners that the Forensics will do them no good and that the homeowners just wasted  their money!  This is completely false.  There are thousands of reports of bankers pushing borrowers around and misleading them all over the internet – Tila Negotiators know how to get you the best possible result and avoid all those misconceptions.</p>
<p>There is a homeowner hotline at Tila Solutions that you can call.  Their consultants will interview you and help you identify whether or not you should get your loan investigated.  Some reports are saying that as many as 6 million homeowners today have a predatory loan. A Tila Solutions Consultant can help you determine if your loan is in need of a Forensic Loan Audit.  They can help you determine if the Forensic Audit may help stop foreclosure, avoid foreclosure or just ensure that you do get that loan mod.</p>
<p>That is why Tila Solutions offers a free service to help negotiate new terms on your behalf you’re your investigation is completed.  </p>
<p>You can save your home with a Forensic Loan Review!  Call a Tila Solutions Consultant at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.  The Tila Solutions website is amassed with information and solutions.  Visit <a href="http://www.tilasolutions.com/">http://www.tilasolutions.com/</a> for a Forensic Loan Audit and the free negotiation service offered by Tila Solutions. </p>
<p>Tags:  Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, predatory loan, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure, Fraud, Loan Modification</p>
<p><a href="http://www.splurgd.com/if-i-am-not-in-foreclosure-do-i-need-a-forensic-loan-review/" class="more-link">Read more on If I Am Not in Foreclosure, Do I Need a Forensic Loan Review?&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. You do not have to wait to do an audit as a means to stop foreclosure.  Get it before foreclosure even begins!   If you are nearing or are in foreclosure, a Tila Consultant can help.  They can also help people who are current on their loans or those with investment properties.  </p>
<p>Banks operate to make money and they treat you well as long as you are helping them to make money. If you aren’t, then you are “not their kind of client”.  The only relationship you ever will have with the bank is based upon how well you give them the money that you agreed to. The lender does not consider any financial hardship as a good reason to give you a loan modification-mostly they ask for a “hardship letter” to see if you have recovered and thus maybe give them money again.  Their only interest is in seeing the loan they gave you resulting in a monthly payment made on time.  </p>
<p>When a homeowner is rejected for a loan modification by his lender, a Forensic Loan Review is the critical first step that he or she should take to resolve the situation. A homeowner does not have to wait until he needs to stop foreclosure to get a Loan Audit done.  In fact, the wise homeowner does not approach his lender to request a loan mod until he has his forensic loan audit completed.</p>
<p>What is interesting is that  a violation-free loan,  normally can withstand any hard times you may experience during the life of the loan.  </p>
<p>Tila Solutions is an Audit Company that investigates loans.  If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “oddities” or pressuring to get you into that loan, then you should have it audited.  </p>
<p>There is a large body of laws that were passed to help prevent you from getting a predatory loan – which is a loan that heads you straight to foreclosure. Do you remember the day you got your loan?  Do you recall reference to TILA, RESPA, HOEPA and ECOA?  These are the laws that guide lenders and ensure they give you a loan that is in your best interest – they help prevent you from getting a predatory loan. They make sure you understand what you are getting before you sign, and give you a choice to rescind.  Also, Tila Examiners often find fraud in these loans.   </p>
<p>Tila Solutions Examiners will methodically go through your loan and locate all the violations and as you can imagine, your lender then loses much firepower against you! He no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.  </p>
<p>A Mortgage Audit also called a Forensic Loan Review or Forensic Loan Audit is an actual investigation or a detailed examination of the loan that the lender created issued to you.  The audit is done to find all the Federal Laws that the banker violated.</p>
<p>Homeowners cannot forget that it was their lenders who lied to them when they gave them the loan, and it is their lenders who are still lying to them.  Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.</p>
<p>Once the Forensic Loan Audit is completed, you need somebody on your side who can get something done with it! Some lenders, who often seem to operate above the law, have actually told homeowners that the Forensics will do them no good and that the homeowners just wasted  their money!  This is completely false.  There are thousands of reports of bankers pushing borrowers around and misleading them all over the internet – Tila Negotiators know how to get you the best possible result and avoid all those misconceptions.</p>
<p>There is a homeowner hotline at Tila Solutions that you can call.  Their consultants will interview you and help you identify whether or not you should get your loan investigated.  Some reports are saying that as many as 6 million homeowners today have a predatory loan. A Tila Solutions Consultant can help you determine if your loan is in need of a Forensic Loan Audit.  They can help you determine if the Forensic Audit may help stop foreclosure, avoid foreclosure or just ensure that you do get that loan mod.</p>
<p>That is why Tila Solutions offers a free service to help negotiate new terms on your behalf you’re your investigation is completed.  </p>
<p>You can save your home with a Forensic Loan Review!  Call a Tila Solutions Consultant at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.  The Tila Solutions website is amassed with information and solutions.  Visit <a href="http://www.tilasolutions.com/">http://www.tilasolutions.com/</a> for a Forensic Loan Audit and the free negotiation service offered by Tila Solutions. </p>
<p>Tags:  Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, predatory loan, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure, Fraud, Loan Modification</p>
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		<title>Are Call Centers A Good Idea?</title>
		<link>http://www.splurgd.com/are-call-centers-a-good-idea/</link>
		<comments>http://www.splurgd.com/are-call-centers-a-good-idea/#comments</comments>
		<pubDate>Thu, 19 Aug 2010 11:47:49 +0000</pubDate>
		<dc:creator>answerunited</dc:creator>
				<category><![CDATA[Customer Service]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Many people who own businesses try to maintain best practices whenever they can, especially in the early days. It’s a great feeling to be able to handle all of your customer service yourself, and to work in the best possible way with everyone you are connected with. Unfortunately, after a certain amount of time, this becomes unrealistic. Things will soon start to stack up, and you will have more and more responsibilities to attend to. This could mean that your business suffers unless you shed some of the weight that you (and your team) is having to deal with. This doesn’t have to mean that you simply ignore things, it just means you have to look to alternative solutions. Customer service is one of those things that can take up a huge amount of your time, and threaten the rest of your business just by doing so. That’s why so many companies now choose to outsource their customer service so that they can focus on growing the business and increasing profits. For many people, this doesn’t seem like a possibility, while for others, they are totally against the idea of outsourcing the customer service in the first place. After all, it’s likely we’ve all had a bad experience with a call center at some point in our lives, and the last thing you would want is for that to be replicated with your customers.</p>
<p><a href="http://www.splurgd.com/are-call-centers-a-good-idea/" class="more-link">Read more on Are Call Centers A Good Idea?&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Many people who own businesses try to maintain best practices whenever they can, especially in the early days. It’s a great feeling to be able to handle all of your customer service yourself, and to work in the best possible way with everyone you are connected with. Unfortunately, after a certain amount of time, this becomes unrealistic. Things will soon start to stack up, and you will have more and more responsibilities to attend to. This could mean that your business suffers unless you shed some of the weight that you (and your team) is having to deal with. This doesn’t have to mean that you simply ignore things, it just means you have to look to alternative solutions. Customer service is one of those things that can take up a huge amount of your time, and threaten the rest of your business just by doing so. That’s why so many companies now choose to outsource their customer service so that they can focus on growing the business and increasing profits. For many people, this doesn’t seem like a possibility, while for others, they are totally against the idea of outsourcing the customer service in the first place. After all, it’s likely we’ve all had a bad experience with a call center at some point in our lives, and the last thing you would want is for that to be replicated with your customers.</p>
<p>The best way to ensure that your outsourced customer service doesn’t go awry is to constantly monitor them, and to give them everything they need to know about your business, so they can answer any questions that your customers have in the best way possible. Often you’ll find that bad call center services suffer from a lack of information and a lack of understanding by the call operators, which generally leads to a poor customer experience. If you ensure that all the relevant information is available to them, the operators will learn over time and will gradually become better at dealing with customer requests. It’s also very easy to keep tabs on your call center staff, since you can call them anonymously to see how they are doing. You can ask them a few tough questions, be a little awkward, and see how they respond. If you aren’t happy with the results, you can look for a solution, but you might be amazed at how good call center services can be.</p>
<p>Choosing your call center service isn’t an easy decision, but in general you’ll want to go with one that focuses on quality, rather than low prices. Of course you’ll want to save as much money as possible, but you really don’t want to be trying to skimp on something this important, so don’t be afraid to spend a little bit more to get better operators and resources. The outsourcing operation should be handled by a project manager who can mediate between your business and the operators themselves. This will ensure that you get constant updates on the performance of the operators, and can send instructions to them whenever you wish.</p>
<p>As you know already, information is key, so make sure you provide some sort of information pack to all of the operators that you are working with. It should clearly detail the main pieces of information about your business, your products, and other vital areas. It should also explain common questions that customers might have, and common issues they will call about. You can then create templates for the operators so that they basically have to read off a script in order to tell your customers everything they need to know.</p>
<p>Of course, you want a certain amount of initiative and interaction from your operators, which is why paying more for quality is vital. If you try to save too much money, you’ll probably end up with operators who are very flat and unengaged. This will reflect very poorly on your business, and will appear as if you don’t care about customer service. Constantly keeping tabs on everything your customer service team does is absolutely vital to ensuring your outsourced solution is successful. Whilst it will be very hands-off, and you won’t have to worry about them, far too many people think they can simply ignore the call center service, which is a bad idea. It will still need supervision, and you’ll want to keep checking they are doing a good job. If you do all of these things, you’ll never look back and neither will your business. For more information please Visit : <a href="http://www.answerunited.com/">www.answerunited.com</a></p>
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		<title>Are Yoga Bolsters Helpful?</title>
		<link>http://www.splurgd.com/are-yoga-bolsters-helpful/</link>
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		<pubDate>Wed, 18 Aug 2010 11:27:52 +0000</pubDate>
		<dc:creator>yogaaccessories</dc:creator>
				<category><![CDATA[Business]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Practicing yoga without any of the correct tools or resources is almost impossible. Most people start out by buying a mat or other basic piece of equipment to allow them to practice some of the simpler yoga positions, before slowly moving on to equipment that gives them more possibilities. Many people turn to a <a href="http://www.yogaaccessories.com/">yoga</a> bolster for a variety of different yoga positions, and it’s definitely true that it can really help you reach new heights in terms of flexibility and relaxation. In fact, without a yoga bolster, it’s very difficult to pull off some very important yoga positions, so it’s an important stepping stone in becoming increasingly adept at yoga for many people.</p>
<p><a href="http://www.splurgd.com/are-yoga-bolsters-helpful/" class="more-link">Read more on Are Yoga Bolsters Helpful?&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Practicing yoga without any of the correct tools or resources is almost impossible. Most people start out by buying a mat or other basic piece of equipment to allow them to practice some of the simpler yoga positions, before slowly moving on to equipment that gives them more possibilities. Many people turn to a <a href="http://www.yogaaccessories.com/">yoga</a> bolster for a variety of different yoga positions, and it’s definitely true that it can really help you reach new heights in terms of flexibility and relaxation. In fact, without a yoga bolster, it’s very difficult to pull off some very important yoga positions, so it’s an important stepping stone in becoming increasingly adept at yoga for many people.</p>
<p>Many people wonder how a yoga bolster can really improve their practice at home, and it’s a valid question. After all, it’s difficult to really improve your yoga when you don’t have someone to guide you and make sure you are doing things correctly. However, a yoga bolster can allow you to experiment much more, especially if you use more than one at a time. You’ll be able to extend your spine much more using a bolster than you would with a mat alone; it will also give you increased flexibility in the chest area if used correctly. In general, a bolster just allows you to really flex your body much more than you could with other materials, and they can withstand a huge amount of stress, so you really can put them under a lot of pressure. If you buy more than one, you can really start trying new poses and pushing yourself to improve, something which you simply could not do without yoga bolsters.</p>
<p>Bolsters are just one accessory that you can use in your yoga practice – there are many others. It really depends what kind of yoga you are looking to pursue and how regularly you are going to be practicing it. Of course, a yoga professional will be able to help you if you want to know more about particular poses, or the accessories that would help you improve your practice. One thing is for sure, a yoga bolster is an important part of anyone’s arsenal, and without it you won’t be able to see larger improvements in your yoga ability.</p>
<p>Yoga bolsters come in a variety of different qualities, and you can never be sure that you’re buying something which is going to last a long time. Remember, your yoga bolster will be used fairly frequently if you’re practicing yoga on a regular basis, so it needs to be as durable as possible if it’s going to last you longer than a few weeks. If you spend a little bit more money, you’d be surprised how much extra quality you can get, which is why it’s never a good idea to try and save too much money when buying a yoga bolster. You’ll often find that you can save money by simply buying online rather than buying from a traditional ”brick and mortar” retailer. That’s because most online retailers have lower overheads costs and are able to pass on these savings to their customers. Overall, you could save a sizable percentage by simply looking online and waiting a few days to have your product delivered, rather than rushing out and buying it the same day.</p>
<p>Yoga bolsters often come with replaceable covers so that they can last longer. You can then wash the covers that you use and keep it as clean as possible even if you’re using it regularly. However, even though you can switch the covers around, you can’t change the filling of the bolster, so again, quality is absolutely vital to ensuring your yoga bolster remains consistent over a long period of time. As long as you buy a yoga bolster that is made of durable material, and has a good reputation for lasting a long time, you should be fine.</p>
<p>As long as you buy your yoga bolster from a trusted retailer, or perhaps a specialist in yoga accessories, you will be able to enjoy your purchase for a reasonable length of time. If you’re not sure about which yoga bolster to buy, you can always talk to the staff at the retailer and ask them for their help, they are sure to be able to advise you on your best option. For more information please Visit : <a href="http://www.yogaaccessories.com/">www.yogaaccessories.com</a></p>
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		<title>HR Software</title>
		<link>http://www.splurgd.com/hr-software/</link>
		<comments>http://www.splurgd.com/hr-software/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 12:39:24 +0000</pubDate>
		<dc:creator>employwise</dc:creator>
				<category><![CDATA[Software]]></category>

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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Tapping the right information at the right time is crucial for most companies of today. Be it HR, Admin, Operations or Finance, accurate information and data is the key to success. Many companies now are looking into improving employee relationship and are taking interest in customized HR software packages with the aim to organize and streamline human resources. If your business is looking to improve the processes in your HR department then getting an efficient HR software can prove to be quite useful.</p>
<p><a href="http://www.splurgd.com/hr-software/" class="more-link">Read more on HR Software&#8230;</a></p>
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<div class="ezAdsense adsense adsense-leadin" style="float:left;margin:12px; "></div><p>Tapping the right information at the right time is crucial for most companies of today. Be it HR, Admin, Operations or Finance, accurate information and data is the key to success. Many companies now are looking into improving employee relationship and are taking interest in customized HR software packages with the aim to organize and streamline human resources. If your business is looking to improve the processes in your HR department then getting an efficient HR software can prove to be quite useful.</p>
<p>While purchasing a HR Software package it becomes imperative to first evaluate the need of the company and the division and then to determine if the various functions present in the software are of significance or not. Preparing a list of requirements is most useful in such situations and helps in cutting down in time and unnecessary efforts.</p>
<p>A typical HR software package would cater to various functions of any human resource department like employee benefits, information, compensation and joining guidelines etc. Such software packages can be further customized as per individual usage and requirements of the company to simplify day to day tasks and HR activities. A good HR software package would be user friendly, remotey accessed and easy to browse and go through. Quality software packages can seamlessly link to employee payroll systems providing important information to the business type to take timely decisions. This way the package becomes an extremely useful tool in improving employee company relationship in a great way.</p>
<p>Some of the major benefits that any HR department can enjoy from having a well designed HR software package are activities like tracking as well as monitoring employee data, processing employee requirements, creating customized templates for emails, creating forms as well as business employee focused reports. Good packages also offer performance analysis and streamlining important data which in turn brings down overall costs and efforts.<br />
A typical HR software also allows the user to view and compare reports on monthly and yearly basis. It would facilitate the user to update any personal information and view current information pertaining to payroll instantly at a click of a button.</p>
<p>Choosing the right HR Software for your company is as important as choosing the right resource. Many companies today work towards custom development. They use the platform created through their expertise in the industry and then would work with the client to get their specific requirement and hence provide a solution which works the best for their needs. Most software packages can be effortlessly tailored made to meet both requirements of small and large companies and organizations.</p>
<p>Products like EmployWise offer a state of the art HR software to meet company and individual requirements. The company has met various milestones in the past and has pioneered SaaS or software-as-a-service in India having launched the first CRM solution in 2001 when it was still called the ASP (Application Service Provider) model. The company offers single HR software built around employee self-service (ESS) which can be used to support employees through every phase from recruitment to separation. If you are looking for a dependable way of streamlining your HR processes then call up a professional HR software package developer like EmployWise today and make your processes efficient.</p>
<p>For more information on <a href="http://www.employwise.com">HR Software</a> visit <a href="http://www.employwise.com">HRIS</a> or email info@ employwise.com</p>
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		<title>Debt Consolidation – Making the Right Decision</title>
		<link>http://www.splurgd.com/debt-consolidation-%e2%80%93-making-the-right-decision/</link>
		<comments>http://www.splurgd.com/debt-consolidation-%e2%80%93-making-the-right-decision/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 05:50:33 +0000</pubDate>
		<dc:creator>myfinancialgoals</dc:creator>
				<category><![CDATA[Finance]]></category>

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<p><a href="http://www.myfinancialgoals.org/">www.myfinancialgoals.org</a> – Are you one of the many consumers today who have been hurt by the recession and now find yourself drowning in debt? Then it’s important to make the right decision when it comes to choosing a debt consolidation program. At American Financial Solutions, we can help you choose what’s best for your specific situation.</p>
<p><a href="http://www.splurgd.com/debt-consolidation-%e2%80%93-making-the-right-decision/" class="more-link">Read more on Debt Consolidation – Making the Right Decision&#8230;</a></p>
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<p><a href="http://www.myfinancialgoals.org/">www.myfinancialgoals.org</a> – Are you one of the many consumers today who have been hurt by the recession and now find yourself drowning in debt? Then it’s important to make the right decision when it comes to choosing a debt consolidation program. At American Financial Solutions, we can help you choose what’s best for your specific situation.</p>
<p>The airwaves are full of commercials today that promise to cut your debt in half and have you debt free in 24 months. The companies making these claims are Debt Settlement companies. They typically promise to settle debts with your creditors for 40% to 60% of the principal you owe. These companies collect high up-front fees from consumers and then take monthly payments which are saved in an escrow account until enough is available to make settlements with their creditors. During this “saving time”, no payments are sent to the creditors at all. There are few statistics available on the success rate of consumers in a Debt Settlement program, however, a survey by Colorado&#8217;s attorney general found that from 2006 to 2008, less than 10% of Colorado consumers successfully settled their debts through these programs. An investigation by the New York attorney general into an Arizona-based debt-settlement company found that only 0.3% of clients realized the promised savings*. Consumers typically find themselves in a much worse situation after stopping payment to all of their creditors and allowing the fees and interest rates to grow out of control.  Many who go through a failed Debt Settlement program like this end up turning to bankruptcy or find themselves with a judgment filed against them by one or more of their creditors. They are also thousands of dollars out of pocket in fees to the Debt Settlement firm and their credit scores require years to recover.</p>
<p>American Financial Solutions is a non-profit organization that can help you make smart financial choices that will keep you worry free. We can develop a payment consolidation program that works with your creditors to help you reduce your interest rates, eliminate fees, stop the collection calls and, best of all, you will have one convenient monthly payment that you can afford and be debt free in five years or less.</p>
<p>American Financial Solutions is a non-profit 501(c)(3) financial education and credit counseling agency founded in 1999 and is committed to empowering people to improve the quality of their lives through financial education and counseling.<br />
<strong><br />
For More Information:</strong></p>
<p>My Financial Goals<br />
263 4th St.<br />
Bremerton, WA 98337<br />
1 (800) 894-3946<br />
<a href="http://www.myfinancialgoals.org/">http://www.myfinancialgoals.org</a></p>
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