Cyber Security & Crime Prevention for IT, Computer & Data Information

#cyber #security, #information #it #security #planning, #cyber #incident #response #planning, #it #incident #response #team, #information #it #security #compliance, #information #security #risk #assessment, #information #security #threat #assessments, #secure #application #program #development, #secure #computing, #secure #networks, #computer #security #program #development, #it #vulnerability #assessments, #information #it #security #audits, #incident #response #team, #computer #it #forensics, #information #it #security #forensics, #computer #emergency #response #team, #it #incident #response #analysis


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Information theft has led to the compromise of intellectual property, credit card information, electronic funds, identity theft, and a host of other negative consequences. Electronic theft, or cyber crime affects individuals, corporations and government entities. Breaches are routinely perpetrated by, ill intended employees, ex-employees, organized crime groups, and foreign government sponsored espionage groups.

While government mandates are driving organizations to address compliance initiatives, the security of many data assets has seen limited improvement. Many organizations are struggling quietly having been victimized by information theft and are seeking to understand the potential consequences and methods to recovery. Information Defense helps organizations to identify threats to intellectual property and sensitive data assets along with the necessary measures to prepare for, prevent, and respond to cyber crime and data theft.

We assist organizations to:

  • Secure data environments through technical measures
  • Secure data through improved information security process and procedures
  • Respond to and recover from information security breaches
  • Build incident response and data forensic teams
  • Model and measure risk to information assets and intellectual property
  • Address compliance initiatives such as PCI, Red Flags Rule and others

Our methods follow a comprehensive risk based approach through our Information Security Management Model (ISMM). The protection of information assets within the workplace is a significant issue. Our approach enables organizations to Prepare, Prevent and Respond to cyber crime.

Latest Cyber & Information Security News

Today more than at any time in the past we are committed to using the Internet for almost all our business and social needs. Never.

Thanks to the guys at SecureWorld who invited me to speak on mobile device management (MDM) and mobile device security yesterday! The.

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Think your cell phone conversations are secure? Think again .computer scientists at Rutgers University have shown how a familiar type of personal computer security threat can now attack new generations of smart mobile phones,

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Dispatcher Certification and Certificate Programs, best event planning certificate programs.#Best #event #planning #certificate #programs


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Dispatcher Certification and Certificate Programs

Both emergency and aircraft dispatcher certificate programs highlight core areas, including telecommunications, equipment training, and dispatcher procedures. Hands-on learning may occur through simulation exercises. View article

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Kaplan University
  • MPA in Fire and Emergency Services
  • MS in Homeland Security and Emergency Management
  • MSCJ – Leadership and Executive Management
  • BS in Fire and Emergency Management
  • BS in Fire Science
  • BS in Criminal Justice – Homeland Security
  • BS in Criminal Justice – Law Enforcement
  • Associate of Science in Fire Science
  • AAS in Fire Science
  • AAS in Public Safety and Security
  • AAS in Criminal Justice
  • View all programs
  • Grand Canyon University
    • MS in Leadership: Disaster Preparedness & Executive Fire Leadership
    • BS in Public Safety and Emergency Management
    • View all programs
  • Video Transcript

    Essential Information

    Certificate programs equip prospective workers with the skills and knowledge to take a certification exam. Emergency dispatcher programs prepare students to work with first responders and other emergency personnel in the event of fires, car accidents, and other urgent situations. Aircraft dispatcher certificate programs prepare students to meet Federal Aviation Administration (FAA) requirements as dispatchers for airplanes and other aircraft. Enrolling in either kind of program requires that the applicant meets typing speed requirements and some also require a high school diploma or GED.

    Emergency Dispatcher Certificate

    In an emergency dispatcher certificate program, students learn 911 procedures, terminology, and requirements. They are taught how to handle high stress situations and to remain calm under pressure. Students learn basic telecommunications procedures and how to operate emergency dispatch equipment. Most programs take less than a year to complete.

    These programs combine classroom study with simulation programs to give students an opportunity to practice what they have learned. Topics may include:

    • Radio procedures
    • Telephone skills and procedures
    • Dispatch operations and medical dispatching
    • Law enforcement communications
    • Communication technology
    • Emergency services

    Aircraft Dispatcher Certificate

    Aircraft dispatcher certificate programs teach the technical skills needed to operate air dispatch equipment and to communicate effectively as part of a flight team. Courses in an aircraft dispatcher certificate program cover the basics of flight patterns, navigation, weather, and aircraft operation. Students are taught about the aircraft they are dispatching and the conditions that may occur during a flight that may require dispatch intervention. These programs also contain simulator instruction to provide hands-on experience for students. Course topics may include:

    • Aircraft systems
    • Aviation law
    • Air safety
    • Dispatching procedures
    • Pilot ground training
    • Instrument training

    SJD Accountancy – Accountants for Contractors, Freelancers and Consultants #accountancy,limited #company,contractor #accountants,contractor #limited #company,accountants,freelancer #accountants,consultants,london,tax,inland #revenue,contracting,tax #help,tax #planning,ir35,vat #registration,it #contractor,umbrella #company,contractor #expenses,contractor #guides,case #studies,take #home #pay #calculator,company #formations


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    SJD Accountancy – Specialist Contractor Accountants

    Tax is complicated and sometimes only a meeting will do. That’s why we don’t just provide a ‘telephone only’ service like many other companies; we also offer unlimited face to face meetings from our many offices across the UK.

    With over 15,000 Limited company clients, SJD is the UK’s largest contractor accountants. We also have more qualified staff than any other firm in our market, boasting qualifications from major tax and accountancy bodies such as ATT, AAT, CTA, ACCA, CA, ACA, FCCA.

    No call centres, no outsourcing, no automated call handling – just your own friendly dedicated accountant.

    SJD Accountancy has won more awards for accounting excellence and customer service than any other contractor accountant specialist, so you know you’re in good hands.

    Low Cost all inclusive Accountancy packages

    We’ll take care of all your business and personal taxation needs. This includes:

    • Completion of accounts
    • Dividends and corporation tax
    • Personal taxation
    • Payroll bureau
    • Free bookkeeping software and company returns
    • All for a fixed fee starting from £120 plus VAT per month
    Essential

    Our Essential business package covers all your company accounting needs and personal tax affairs.

    Premium

    Everything in Essential plus a range of business insurances included as well as registered office address and many more rewards.

    • Experienced, specialist providers to over 15,000 contractors, freelancers and small to medium sized businesses.
    • Ten time winners of the ‘Best Contractor Accountant’ award voted for by visitors to Contractor UK 2007 to 2016.
    • Pro-active service to always keep you on the right side of tax and legislative changes.
    • Unmatched service guarantee to appoint us with a complete peace of mind.
    • More qualified staff than any other specialist firm with qualifications covering: ATT, AAT, CTA, ACCA, CA, ACA, FCCA.
    • Offices across the UK with 25 years of outstanding customer service.
    • Deemed IPSE Accredited Accountants and fully MSC compliant.
    • A recognised authority on IR35.
    • All inclusive, low cost monthly packages starting from a fixed fee of £120 plus VAT per month.

    Planning & Templates #business #continuity #and #disaster #recovery #planning #for #it #professionals


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    Planning Templates

    An organization’s continuity of operations plan documents the overarching strategy, policies, and procedures required to support its headquarters continuity of operations program. As the DHS entity for coordinating the Executive Branch continuity of operations program, National Continuity Programs (NCP) has developed detailed planning guidance and plan templates to help other federal and non-federal entities in their continuity planning.

    Continuity Plan Template For Federal Departments/Agencies

    The purpose of this Continuity Plan template for Federal Departments and Agencies is to provide instructions, guidance, and sample text for the development of Continuity plans and programs in accordance with Federal Continuity Directives (FCDs) 1 and 2 for the Federal Executive Branch.

    Continuity Plan Template For Non-Federal Entities

    This Continuity Plan template for non-Federal entities provides a framework for creating a viable continuity plan and focuses on the key continuity planning elements as addressed in Continuity Guidance Circular 1 (CGC 1), Continuity Guidance for Non-Federal Governments (States, Territories, Tribes, and Local Government Jurisdictions), dated July 2013, and Continuity Guidance Circular 2 (CGC 2), Continuity Guidance for Non-Federal Governments: Mission Essential Functions Identification Process (States, Territories, Tribes, and Local Government Jurisdictions), dated October 2013.

    For the Continuity Plan Template and Instructions for Non-Federal Entities, click here .

    Essential Records Packet Plan Template

    This Essential Records Packet Plan template assists with the identification, protection, and ready availability of organizational essential records, databases, emergency operating records, rights and interests records, and other documents are critical to the successful implementation and execution of a robust continuity plan.

    Pandemic Influenza

    This Pandemic Influenza template provides guidance to assist organizations in developing a Pandemic Influenza Continuity of Operations Plan or, if the organization already has a continuity plan, a Pandemic Influenza Annex. General guidance and sample information is provided for reference and organizations are encouraged to tailor Pandemic Influenza Continuity Plans to meet specific organizational needs and requirements.

    ERG Member Planning Guide

    Developing Emergency Relocation Group (ERG) Member Planning Guides (PDF 256KB, TXT 25KB), A Guide for ERG Positional Requirements Planning, June 2009. The Guide provides tools (templates and checklists) for developing ERG positional standard operating procedures to support organizational continuity programs. ERG positional guides assist ERG staff to understand the key elements of supporting that position and allow continuity managers access to positional requirements that are considered when preparing a Business Process Analysis of organizational essential functions.

    Reconstitution Template

    This Reconstitution template is based on Federal Continuity Directive 1, Federal Executive Branch National Continuity Program and Requirements, October 2012, and provides structure and recommended content for developing a reconstitution plan. Reconstitution is the process by which surviving and/or replacement organization personnel resume normal organization operations from the original or replacement primary operating facility.

    Devolution Template

    This Devolution template is based on the Federal Continuity Directive 1, Federal Executive Branch National Continuity Program and Requirements, and provides a structure and recommended content for developing a Devolution Plan.

    Multi-Year Strategy and Program Management Plan

    A continuity Multi-Year Strategy and Program Management Plan (MYSPMP) provides multi-year planning guidance for the development of effective continuity plans and programs. The MYSPMP serves as a roadmap for organization continuity planners to follow to ensure that critical activities and resources can be implemented and obtained so that their programs continue to improve over time. The MYSPMP provides strategic guidance, a current program assessment, and outlines program needs, goals, objectives, and strategies for the organization’s Continuity program as well as milestones for accomplishing these activities and any issues, concerns, or obstacles that they may face.

     Exercise Templates

    NCP developed a series of continuity exercise templates that incorporate updates from the National Continuity Policy Implementation Plan, Federal Continuity Directive 1 and 2, and Continuity Guidance Circular 1 and 2. These exercise templates are compatible with the Homeland Security Exercise and Evaluation Program (HSEEP) and meet National Exercise Program requirements.

    Department and Agencies Telwork Exercise Template

    This Exercise Plan (EXPLAN) template provides exercise planners with the information necessary for their participation in a continuity telework exercise. This EXPLAN Template is a tool to assist agencies to conduct a telework exercise to determine current capabilities to operate in a telework or a socially-distanced environment and to determine what needs to be done to enhance your current capabilities and to better prepare for a pandemic influenza or continuity event.

    This telework exercise handbook template is set up to provide an example of an exercise player handbook for use when conducting a telework exercise.

    For more information on these or additional templates, please email FEMA-Continuity-WebInfo .

    Little’s Funeral Home: Obituaries, Online Tributes and Guest Book for Love Ones and Friends, Funeral Home Directors Services Since 1918, Orchestrating timeless ceremonies # #little’s #funeral #home, #www.littlesfh.com, #the #funeral #directors, #since #1918, #burial, #casket, #embalming, #cemetery, #crematoriums, #cremations, #crematory, #death #notices, #deaths, #death, #death #obituaries, #funeral #directors, #funeral, #funeral #arrangements, #funeral #home, #funeral #home, #funeral #homes, #funeral #planning, #funeral #flowers, #flowers, #grief, #grief #resources, #mortuary, #local #obits, #obit, #obituary, #obits, #obituaries, #the #obits, #tribute, #planning, #plan #ahead, #prearrange, #pre-arrange, #preneed, #pre-need, #preplan, #pre-plan, #pa, #pa, #pennsylvania, #adams #county, #york #county, #new #oxford #pa, #littlestown #pa, #gettysburg #pa, #hanover #pa, #maryland, #md, #md, #carroll #county, #westminster #md, #taneytown #md, #obituary #md, #obituary #pa, #newspaper #obituaries, #remembrance, #obituary #notices


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    Died: Jun 1, 2017

    J. Steven Nester, 69, of Hanover, died Thurs, June 1, at his home. He was the husband of Dolores “Dee” (Hynes) Nester for 46 years. Born June 9, 1947 in Hanover, Steve was the son of the late Emanuel & Isabelle (Morelock) Nester. He was a Franklin High School graduate of Reisterstown and served in the Navy during the Vietnam War. He was in a Carpenters Apprentice Program in Baltimore and was a carpenter of local Union 101 of Baltimore. He had also been employed with Boyd’s Bears, formerly of Gettysburg.
    Read more.

    Died: May 14, 2017

    G. Lawrence “Larry” Hartman, Jr. formerly of Littlestown, passed quietly to the Lord at his Hanover home on Sunday, May 14. Born in Tacoma Park, DC, he spent most of his life in Adams County. He was the son of the late George Lawrence Hartman, Sr. and Mary Rebecca (Ogburn) Hartman Read more.

    Died: May 13, 2017

    Ronald R. Kerzaya, 89, formerly of Littlestown, died Sat. May 13, at Homewood at Plum Creek, Hanover. He was the widower of Betty J. (Izer) Kerzaya who died May 10, 2013 Read more.

    Died: May 12, 2017

    Helen M. Kessler, 81, of Hanover, died Friday, May 12, at Hanover Hospital. She was the widow of Vernon E. Kessler who died Sept 12, 2006. Born May 12, 1936 in York, Helen was the daughter of the late John W. & Theda (Wagner) Olewiler. She was a farmer and caregiver Read more.

    Died: May 11, 2017

    Scott A. Cassell, 58, of Silver Run, MD, died Thursday, May 11, at John Hopkins University Hospital, Baltimore. He was the husband of Sandra L. (Barrett) Cassell Read more.

    Died: May 9, 2017

    Janet A. Messinger, 85, of Littlestown, died Tues, May 9, at Hanover Hospital. She was the widow of Wilbert J.H. Messinger who died Jan 20, 2006. Born June 18, 1931 in Hanover, Janet was the daughter of the late Alvin & Myra (Rebert) Gerrick. She was a 1950 Littlestown High School graduate and a lifelong farmer Read more.

    Died: May 8, 2017

    Ivan Lane Cornwell, 57, of Littlestown, Pennsylvania, after battling cancer went to his eternal home on Monday, May 8, 2017. He was the husband of Lisa A. (Claflin) Cornwell for 37 years Read more.

    Event Planning Schools – Your #1 Event Planning School Resource, event planning degree.#Event #planning #degree


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    Event Planning Schools

    **Update: We just completed a review of the best online event planning course here. If you are interested in a course, please read it. Otherwise keep reading below or go to the colleges, degrees or certifications pages.**

    Finding the right path to learn about event planning can be hard to do. The reason is that there are many ways to learn and become successful at it. You have to find out which route is best for you and we can help you navigate the way.

    On this website we will show you all the possible ways to learn about event planning. Since you probably found us by searching for the academic route, we go in-depth about colleges and courses.

    Ways To Become An Event Planner (Quick Summary)

    • Option 1: Get a degree in event planning or hospitality management
    • Option 2: Get an event planning certification or take an online course
    • Option 3: Find a job, internship or volunteer opportunity
    • Option 4: Start your own business

    Event Planning Degree

    If you plan on attending a two-year or four-year college, you can look for schools that offer an event planning degree. Actual event planning degrees are not very common and you can find a list of schools that offer this degree on our colleges page. This is the most traditional route.

    Do not worry though there are many degree options that are just as widely accepted as a rare event planning degree. These degrees are sometimes called:

    • hospitality management
    • tourism management
    • event marketing
    • hotel management
    • music production

    Other strong options for a career in event planning are public relations or communications degrees.

    After you receive any of the above degrees, you can gain further qualification by completing an event planning certification program. By having a degree and a certification you greatly increase your chances of getting a job as a planner.

    Event planning degreeIf you are getting ready to graduate from high school and are looking for a college we recommend you review our Event Planning Colleges page.

    Some people already have a college degree or do not want to take the four-years required to earn your degree so they look for other options like shorter planning courses or certifications. This is also a very viable option and many people get jobs this way.

    Event Planning is a very hands-on field therefore short courses combined with internships are often times just as valuable as a college degree.

    Please read our Event Planning Courses section for info on good courses.

    Event Planning Home Study Courses

    There are many event planning home study courses available. Some are better than others.

    We recommend that if you go this route it is helpful to combine the home study with an internship or volunteering with a non-profit organization to strengthen your experience.

    Often times taking a home study course can be just as effective as having a college degree in event planning. Employers value having hands-on experience.

    We rank and review the most popular home study courses.

    Event Planning Certifications

    Event planning degreeThere are several certification programs you can get to add to your resume when applying for a job or talking to clients but it is recommended you first complete an event planning degree program or home study course.

    A certification is great but you must still be able to demonstrate your knowledge and experience in order to put it to use.

    Here is a list of well recognized certifications:

    • Certified Special Event Professional (CSEP)
    • Certified Meeting Professional (CMP)
    • The Professional Convention Management Association (PCMA)
    • International Special Events Society (ISES)
    • National Association of Catering Executives (NACE)

    It is important to know the difference between a certification and a certificate . The four most recognized certification programs above are official certifications , however a certificate is merely something any course can offer. If you position your certificate properly, it can help you but we recommend you get an official certification if that is an option for you.

    Event Planning Internships

    Getting hands-on experience with planning events is very important. Most colleges and home study programs teach you about the industry but you learn better when you get to watch a real event come together.

    This is why creating a portfolio of your work is one of the most important things you can do.

    By doing an internship with an event planning company, you can combine the knowledge from your previous study with hands-on experience for a more powerful resume when applying for a job.

    To get an internship you can either look for openings on popular job sites like Craigslist or you can volunteer at an event with a local non-profit. Often times it is easier to volunteer at events than it is to get hired as an intern. By volunteering at events, you can take photos of the event and document your actions to start putting together your portfolio.

    Event planning degree

    Another important difference is when you volunteer it is typically done on an event-by-event basis; whereas when you intern you are expected to commit to working 10+ hours per week for several months. Both experiences are valuable and you can pursue both simultaneously as long as you have the time.

    Do you have any specific questions about the above information? If you do, you can ask us questions on our contact page.

    Steps to Applying for Financial Aid, Community College of Philadelphia, steps in financial planning.#Steps #in #financial #planning


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    Community College of Philadelphia

    Steps in financial planning

    You are here

    1. Home ›
    2. Paying for College ›
    3. Financial Aid ›
    4. Steps to Applying for Financial Aid

    Steps to Applying for Financial Aid

    STEP 1

    Video Support

    Watch these videos for help and support in filling out FAFSA

    Complete the FAFSA

    You must apply for financial aid each academic year, and completing the Free Application for Federal Student Aid (FAFSA) form is the first step. Go to www.fafsa.ed.gov to get started. Apply for your Personal Identification Number (PIN). You will need a PIN to sign your FAFSA electronically or make corrections to your FAFSA. Your FAFSA application is used to apply for the Federal Pell Grant, Federal Work Study, SEOG, Federal Direct Loans and the PHEAA State Grant. Use Community College of Philadelphia School Code 003249 when filing your FAFSA. In addition to completing the FAFSA, students applying for the Direct Loans must also complete a Master Promissory Note (MPN) and an entrance counseling session at www.studentloans.gov.

    Changes to the 2017-2018 FAFSA

    What’s changing for the 2017–2018 Free Application for Federal Student Aid (FAFSA)? Students can now submit a 2017-18 FAFSA as early as October 1, 2016 rather than beginning on January 1, 2017. Also, beginning with the 2017-18 FAFSA, students will report income and tax information from an earlier tax year. For the 2017-18 FAFSA, use the 2015 income and tax information.

    You are strongly encouraged to submit/renew you FAFSA in February/March after you have filed your tax return, and you must file before April 15 if you are planning to attend College in the fall semester. If you need assistance, please call 1-800-433-3243. Remember, the FAFSA application is always free.

    STEP 2

    Read Your Student Aid Report

    Once you have completed the FAFSA application, you will receive a Student Aid Report (SAR) via email. Review your Student Aid Report carefully and take appropriate steps.

    STEP 3

    Check Your MyCCP and College email Accounts

    We will review your FAFSA application and post any outstanding requirements to your MyCCP account. Please provide the Office of Financial Aid the documents and forms requested as soon as possible so we may assist you in finalizing your application. You may download financial aid forms and worksheets online.

    You must complete, print and sign the appropriate forms before submitting it to the Office of Financial Aid. You may also be required to provide copies of your (and if a dependent student, your parents’) IRS tax return transcripts, W2s, citizenship papers and other documents. For instructions on checking your outstanding requirements in MyCCP, login and click on the “Check Your Overall Financial Aid Status” link.

    MBA in financial planning #mba #in #financial #planning,online #financial #management #programs,mba #financial #management,financial #management #mba,financial #planning #courses


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    MBA in Financial Planning

    An MBA in financial planning will provide you with the skills you need to manage large corporate funds and private investment accounts as well as work directly with clients in managing their financial accounts. Financial management is currently one of the most important aspects of corporate activities and private investment activities. Whether you are interested in becoming a professional business manager, or you are interested in managing the finances of investors.

    Financial Planning Education and Training

    Admission requirements can vary greatly from one institution to another, but most institutions require their applicants to obtain a bachelor s degree in order to be accepted into their MBA programs. Due to the competitiveness of these business programs, students are also required to submit their GRE or GMAT test scores prior to being admitted as well. Your GPA total throughout your academic career may also play a vital role in the admissions process.

    Over the years, the Master s of Business Administration degree has proven to be one of the most important degrees business managers can obtain. In fact, more business managers obtain a Master s in Business Administration degree than any other degree available today. If you are planning on pursuing this degree for yourself, you will have many managerial positions and fund managing positions made available to you upon graduating.

    Many MBA in financial planning programs also request their applicants to submit multiple letters of recommendation when applying. Along with these basic requirements, many institutions request applicants to submit a personal resume with a personal statement to make it easier for the admissions department to determine which candidates are best suited for modern competitive business school programs.

    Coursework in the MBA in financial management degree generally revolves around capital management and international finance. Courses can also cover topics such as entrepreneurial finance, financial risk management, and capital markets. All of the courses that are included in MBA programs with an emphasis in financial management are designed to fully prepare students for careers in the turbulent fast paced global financial markets. Areas of study and practice include
    The topics cover major planning areas such as:

    • General Principles of Finance and Financial Planning
    • Employee Benefits Planning
    • Investment and Securities Planning
    • Insurance Planning
    • State and Federal Income Tax Planning
    • Estate Tax, Gift Tax, and Transfer Tax Planning
    • Financial planning and consulting
    • Asset Protection Planning
    • Retirement Planning
    • Estate Planning

    Certification

    The Certified Financial Planner (CFP) is a professional certification for financial planners that is conferred by the Certified Financial Planner Board of Standards (CFP Board). Successfully passing an exam is required. To maintain certification, one is required to complete thirty hours of continuing education where two hours the Board of Standards approved ethical information, on an on-going basis in addition to paying a licensing fee every two years.

    Careers in Financial Planning

    Since practically every institution on the in business and non-profit must manage sums of capital in some way, there are many job opportunities available to MBA in Financial Management degree graduates in today s economic environment. Whether you are interested in working for a non-profit organization, or you are interested in working with the largest market movers and shakers in the world, you will have plenty of opportunities afforded to you with an MBA in your possession.

    Almost every corporation is in need of individuals who thoroughly understand the complexity of global marketplaces and how institutions can better manage their funds to position themselves for a successful future.

    Due to the extreme market turbulence the global financial markets are currently experiencing, the future is rather unpredictable for individuals who are interested in procuring an MBA in Financial Management. Even so, corporations, non-profit institutions, and private investors will always need the assistance of knowledgeable professionals who have a deep understanding of global markets and capital management.

    Estimated Income and Projected Career Growth

    The amount of money you can expect to earn per year will depend on the school you graduate from, the grades you obtain throughout your academic career, as well as the type of position you seek to obtain. Successful students who seek out positions in the corporate sector of the economy commonly earn six figure salaries immediately upon completing advanced degree business programs. If you choose to work within the public sector of the economy or for a non-profit organization, you should expect your yearly salary to be considerably less attractive.

    The United States Department of Labor Statistics reports that the median salary for financial managers as $113,730 for the year 2009, minus the stock options and bonuses extended to employees. The top 10% of financial managers earned over $138,010 while the middle 50% made between $73,530 and $101,190. The lowest 10% earned below $54,760.

    Programs in Financial Planning

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    • MS in Finance – Financial Planning
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    Swap your pension for cash from April 2017 #annuities,money,standard,financial #planning #(for #retirement),pensions #and #retirement


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    Swap your pension for cash from April 2017

    15 December 2015 • 5:59pm

    M ore than five million pensioners who bought annuities will be able to swap their guaranteed income for a cash lump sum from April 2017, the Treasury has today confirmed .

    The move to create a new secondary annuity market is an extension of the Government’s landmark pension freedoms first announced in 2014, and applying from April 2015.

    Now the Government has said that from April 6, 2017, tax restrictions for people looking to sell their annuity will be removed, giving pensioners with an existing annuity – and anyone who purchases an annuity in the future – the ability to sell it on for cash.

    Currently someone wanting to sell an annuity to a willing buyer would face a tax charge of up to 70pc. The government will scrap this, so people are taxed only at their marginal rate (see the explainer, below).

    The move will be beneficial for those who can swap small or negligible annuity payments for a single, lump sum.

    But critics have pointed out numerous risks, and warn that giving up the right to a guaranteed income could be a dangerous step.

    Tom McPhail, pension expert at Hargreaves Lansdown warned that selling a guaranteed income will not be right for many people.”

    The government estimates there are around 5 million annuity holders, receiving total income of £13.3 billion a year.

    Sell your pension? How it would work

    It’s been the dream of many an unhappy annuity buyer: sell the policy back to the insurer for a cash lump sum. And now the Government wants to make it a reality.

    I t sounds a simple and attractive idea, but there are complexities. How could you be sure you were getting a good price for your annuity? And how much tax would you have to pay? We look at how such a market would work in practice.

    Annuity rates over the past 10 years for buyers aged 60 (dark blue), 65 (blue) and 70 (green)

    Based on a single person with £100,000

    How much would I get for my annuity if I sold it on this new market?

    U nder current proposals, the annuity would continue to exist after you sold it in the second-hand market. Payment would be reassigned to the new owner and the pension would continue to pay out until you – not the new owner – died.

    We can’t be sure how much your annuity would fetch in these circumstances. But one possibility is that the annuity would be worth whatever it would cost someone of your age and life expectancy to buy the same annual income for life that you currently receive from the policy.

    For example, let’s say that you buy your annuity today at the age of 65 while you’re in good health. Roughly speaking, the annuity company will assume that you’ll live for another 20 years, until you are 85.

    Now let’s assume that you want to sell the annuity in five years’ time, when you are 70, and that you are still in good health then.

    I f the company that buys your annuity sells it on to another 70-year-old buyer in good health, it would presumably base its price to that buyer on what it would charge him or her for a new annuity at that time.

    However, the new buyer would probably prefer an annuity that lasted until his or her death, rather than yours. Therefore, he is likely to expect a discount for the “second-hand” annuity. He might also expect you to take a medical to confirm your good health. And the firm that carries out the transaction would expect a cut.

    If the second-hand annuity’s value is based on that of a new one, it would clearly depend on the factors that influence annuity rates at that time. These include the interest paid on government bonds (gilts). If you bought when annuity rates were higher, it means gilts were cheaper then, so your annuity should fetch more now.

    If there was no buyer for my annuity, couldn’t the insurer just buy it back?

    A: This is another possibility. Any annuity carries risk for an insurer because it doesn’t know when you will die and therefore how much money it will pay out in total. If a particular insurer thinks it has taken on too much risk, it could reduce it by buying back annuities. For the policyholder, the question is what price is offered. Experts said insurers would want a discount, perhaps 20pc, on the true value of the annuity.

    But what is that true value? It depends on your life expectancy at the time you want to sell. If your health has deteriorated since you bought the annuity, its value will be lower, reflecting the fact that it is likely to pay out for less time than originally expected.

    B ecause of this, you would probably have to have a medical check-up before you got a trade-in value for your annuity.

    What could go wrong?

    A s mentioned above, the problem for a buyer of your annuity is that payments will cease on your death, not theirs. How many people will want an income that could end at any time? This could severely dent prospects for the new market and make second-hand prices unappealing.

    It’s possible that individual annuities could be bundled together and sold to institutional investors to get round this problem.

    There are also practical problems. There will need to be a mechanism by which the original insurer is informed of the death of the first owner of the annuity so that it can stop the payments.

    It’s possible that these problems could be overcome if insurers were prepared to link payments to the new owner’s death rather than the original owner’s, assuming similar life expectancy.

    If I sold my annuity, how much tax would I have to pay?

    The sale would probably be treated in the same way as accessing your whole pension in one go under the pension freedoms that take effect in April. On other words, the money will be treated as income and taxed at your “marginal” or highest rate.

    UPDATE: Since the publication of this article the Government dropped its plan to create a secondary annuity market.

    LGBT Newlyweds Guide to Money – Financial Planner Los Angeles #financial #planning #for #newlyweds, #lgbt #newlyweds #guide


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    LGBT Newlyweds Guide to Money

    The LGBT Newlyweds Guide to Money, Love and Fiscal Fabulousness. Los Angeles Financial Planner walks you through the must know tips to get on the same page financially as your spouse.

    By David Rae Certified Financial Planner™, Accredited Investment Fiduciary™

    I’ve been gay my whole life, a Certified Financial Planner™ for well over a decade, coupled with my sweetheart for six years and married to him for almost 2 years. From this perspective, I’d like to share a few tips for a happy, healthy and successful marriage to my LGBT brethren. While less experienced at marriage (so far), I do have considerable background as a Financial Planner guiding LGBT couples to the point that it has become my specialty.

    As a community, LGBT Newlyweds and our relationships face a unique set of challenges. Fortunately, lack of legal recognition is no longer a major issue (though I’m not naïve to think discrimination is finished, the tide has shifted dramatically–and permanently–in our favor). But newfound marriage equality is forcing many same-sex couples to deal with issues they may have been able to previously ignore.

    At the same time, all married couples face challenges directly or indirectly related to money and finances. I would never claim to have all the answers to every marriage problem in the universe. But here are some significant ways to help reduce the likelihood of money woes bringing your relationship to an early demise. The LGBT Guide is just the tip of the iceberg.

    Here are the 7 tips I want to convey upon the Happy LGBT Newlyweds to guide them towards Fiscal Fabulousness in regards to LOVE and Money.

    LGBT NEWLYWEDS GUIDE to Plan, Plan, Plan.

    Capable couples communicate about money early and often. Ideally, I’d like to see you have a financial plan in place before you tie the knot. Working on (and working out) a financial plan together can preemptively diffuse monetary time bombs and future chaos. Avoiding conversations about your finances now exponentially increases your chances of some small bump in the road turning into a larger issue later. Essential topics include kids, where to live, how much to save and credit card management.

    LGBT NEWLYWEDS GUIDE to Figure Out How to Split Expenses.

    Find an arrangement that works for you as a couple. Some couples work a 50-50 split while others share expenses based on the size of their incomes. The important thing is to have an arrangement that you both find fair and that works for you. Not taking this step can easily lead to resentment or fights over spending in other areas.

    LGBT NEWLYWEDS GUIDE to Get Your Policies and Paperwork in Order.

    You are now a married couple with legally recognized rights and obligations. Make sure your beneficiaries are up to date. Obtain the proper amounts of life insurance, and consider disability and long-term care insurance. Also remember you will now most likely be filing your taxes jointly. So be strategic with retirement plan contributions and other potential spousal benefits that may be available to you now.

    LGBT NEWLYWEDS GUIDE to Expect the Unexpected.

    Life happens, and odds are if you are together long enough, someone will get sick or laid off, a car will break down, or some other emergency will pop up. Being prepared and having an emergency fund will help keep you on track for your financial goals, reduce the odds of having to cancel the “fun” parts of your plan, and hopefully reduce the financial stress in the household. At the very least a nice financial cushion will mean that much-needed last minute trip to Puerto Vallarta won’t end up piling up interest on a credit card.

    LGBT NEWLYWEDS Guide to Figure in the Fun.

    If you can afford it, also set aside money for the memory-making good times like vacations, adventures on your bucket list or all out holiday binges. Getting into the habit of saving becomes easier when you also include something fun and exciting into the mix. As essential at it is, it may be hard for you two to get excited about contributing to a retirement that could be 20 or 30 years away. But knowing you’re also saving up for a trip Hawaii next winter might help keep things on track. (Mind you, neither one should come at the expense of the other. But you knew that, right?)

    LGBT NEWLYWEDS GUIDE to Take Action Now .

    If you procrastinate and don’t act on your financial plan, even the best advice on the planet is irrelevant. The best advice I can give is to get your head out of the sand and start building your financial lives together now, no matter how long you’ve been together. Consider contacting a professional who can help with your specific situation and time frame. Putting a plan into place and saving for your goals means that you won’t outlive your financial resources and indeed have a shot at living happily ever after.

    LGBT NEWLYWEDS GUIDE to Watch the Waistline Along with the Bottom Line.

    All our newly married friends–gay and straight–seem to pack on a few extra pounds in their first year of marriage. Do yourself a favor and cut back a bit on the dining out and ordering in. Your waistline, your spouse, your wallet and your svelte 90-year-old self will thank you for it. Let the good times roll for sure but keep up with the crunches too.

    Until next time and as always Be Fiscally Fabulous, and remember Gay Money Matters.

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    Creating a Daily Plan #dementia #plan, #alzheimers #plan, #dementia #care, #alzheimers #care, #dementia #planning, #alzheimers #planning, #dementia #activities, #alzheimers #activities, #dementia #caregiver, #alzheimers #caregiver, #dementia #support, #alzheimers #support, #dementia #activity


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    Daily routines can be helpful for both you — the caregiver — and the person with Alzheimer’s. A planned day allows you to spend less time trying to figure out what to do, and more time on activities that provide meaning and enjoyment.

    Organizing the day

    Remember to make time for yourself, or include the person with dementia in activities that you enjoy – for example, taking a daily walk.

    A person with Alzheimer’s or other progressive dementia will eventually need a caregiver’s assistance to organize the day. Structured and pleasant activities can often reduce agitation and improve mood. Planning activities for a person with dementia works best when you continually explore, experiment and adjust.

    Before making a plan, consider:

    • The person’s likes, dislikes, strengths, abilities and interests
    • How the person used to structure his or her day
    • What times of day the person functions best
    • Ample time for meals, bathing and dressing
    • Regular times for waking up and going to bed (especially helpful if the person with dementia experiences sleep issues or sundowning )

    Make sure to allow for flexibility within your daily routine for spontaneous activities.

    As Alzheimer’s disease progresses, the abilities of a person with dementia will change. With creativity, flexibility and problem solving, you’ll be able to adapt your daily routine to support these changes.

    Checklist of Daily Activities to Consider

    • Household chores
    • Mealtimes
    • Personal care
    • Creative activities (music, art, crafts)
    • Spontaneous (visiting friends)
    • Intellectual (reading, puzzles)
    • Physical
    • Social
    • Spiritual
    • Work-related (making notes)

    Writing a plan

    When thinking about how to organize the day, consider:

    • What activities work best? Which don’t? Why? (Keep in mind that the success of an activity can vary from day-to-day.)
    • Are there times when there is too much going on or too little to do?
    • Were spontaneous activities enjoyable or did they create anxiety and confusion?

    Don’t be concerned about filling every minute with an activity. The person with Alzheimer’s needs a balance of activity and rest, and may need more frequent breaks and varied tasks.

    Sign up for our weekly e-newsletter

    Receive caregiving tips and get updates on advances in Alzheimer’s treatments, care and research. Subscribe now.

    Daily plan example (for early- to middle-stages of the disease)

    Planning Tools & Calculators #auto #rotisserie


    #auto calculator
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    Planning Tools Calculators

    Retirement Wellness Planner

    Our online retirement planning resources can help you quickly see if you may be on track with your retirement goals. Our Retirement Wellness Score and Retirement Wellness Planner help you:

    • Quickly see how well you may be tracking towards your retirement savings goal
    • Easily manage, visualize and plan your retirement savings
    • See how making small changes now can help you reach your retirement goals

    Understanding where you are today and where you have the potential to be is the best way to get and stay on track.

    If your employer offers a 401(k), 403(b) or other defined contribution plan with The Principal ®. log in to find your personalized score and access the planner today.

    If you don’t want to log in or you don’t have a retirement account with The Principal, you can still find out if you’re on track.

    Life Insurance Calculator

    Our life needs calculator helps you:

    • Get an idea of how much life insurance coverage you need to take care of your family
    • Learn which kind of life insurance might help you best meet your specific needs
    • Gather information to get you started putting your life insurance plan into action

    Taking the easy step today to understand your life insurance needs can help ensure your family is protected for the future.

    You use your income every day. What would happen if you became too sick or hurt to work? Would you be able to afford your top 3 expenses – typically housing, transportation and food? Find out how you can protect your everyday with the Income Protection Calculator. Simply enter in your income and expenses to get started and see how much coverage you need and how much it may cost.

    Iowa Personal Injury Attorney Des Moines Car Boat Semi Accident Head Neck Back Spine Brain Trauma Product Liability Lawyer Council Bluffs Ames Cedar Rapids #des #moines #car #accident #lawyer, #estate #planning #wills #trusts #will #trust #probate #buisness #family #real #estate #law #financing #permits #plan #licenses #employees #insurance #incorporation #assess #protection #elder #law #divorce #adoption #child #custody #alimony #visitation #support #brokers #contracts #transfers #deeds #home #impection #mortgages #foreclosure #revocable #irrevocable #testamentary #special #needs #trustee #trustor


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    DISCLAIMER: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

    Des Moines, Iowa Attorney practicing in Iowa primarily in Estate Planning. Trust, Wills Probate. Business Law. Family Law. Personal Injury. Real Estate. Attorneys at Howes Anderson, P.C. Law Office are dedicated to serving their clients in Iowa, including the cities of West Des Moines and throughout the state of Iowa, including the communities of Polk County, Dallas County, Warren County, Clive, Waukee, Urbandale, Johnston, Windsor Heights, Ankeny, Norwalk, Grimes, Granger, Pleasant Hill, Altoona, Indianola, Carlisle, Adel, Des Moines and surrounding communities.

    SharePoint Development Services #sharepoint #development, #sharepoint #custom #solutions #development, #sharepoint #site #branding #experts, #sharepoint #development #india, #custom #sharepoint #development,sharepoint #application #development,sharepoint #software #development, #sharepoint #portal #development,sharepoint #webparts #development, #sharepoint #migration #experts #india, #sharepoint #site #migration, #sharepoint #enterprise #content #management, #hire #sharepoint #developer #india,sharepoint #services #india, #sharepoint #cms #india, #sharepoint #developers #india, #sharepoint #deployment #planning #services, #sdps #provider #india, #sharepoint #cms #customization, #top #companies #in #sharepoint, #sharepoint #programmers #india, #sharepoint #2010 #experts #india, #offshore #sharepoint #developer, #sharepoint #developers #india, #sharepoint #bespoke #development, #sharepoint #porting, #sharepoint #server #development, #sharepoint #infopath #development #services


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    SharePoint Development

    We at Mindfire Solutions have been working in SharePoint since last 7+ years and have implemented over 100 projects for global clients worldwide using SharePoint 2013, SharePoint 2010, Office 365 – SharePoint Online, SharePoint 2007 (WSS 3.0 / MOSS 2007), and more.

    We have a dedicated team of 25+ certified SharePoint developers who are trusted and vouched for by clients for technical expertise and delivery excellence in executing SharePoint projects of all sizes. Having served SharePoint clients worldwide in diverse industries such as Healthcare . IT, FMCG, Education, Insurance, Telecom, Utilities, Travel Tourism, etc, we are perfectly positioned to assist you on your project. To know more about the projects we have accomplished, you can view our SharePoint Projects page.

    Download Brochure

    We at Mindfire Solutions provide a wide range of SharePoint services backed by the strong track record of our SharePoint development expertise. From SharePoint project outsourcing to having dedicated SharePoint developers / consultants on contract, we have a solution for all your SharePoint needs. If you are new to SharePoint, please feel free to view the benefits of using SharePoint for your business.

    Services

    Mindfire’s SharePoint development experience has equipped it to provide multiple SharePoint services, catering to the varied requirement of our customers. Here are the services that we provide from our advanced engineering development centers in India.

    Deployment Planning Services (SDPS)

    Our team has developed SharePoint deployment plan customized to client’s environment and business needs. We understand the infinite possibilities with SharePoint and optimize the core SharePoint capabilities. We incorporate best practices to help lower the risks and costs of planning a deployment. Contact us for your SharePoint deployment.

  • Our SharePoint development team has worked on providing custom look and feel to different client web sites. The team has wide experience in using varied techniques for web site branding which includes creation of Custom Site Definitions, Custom Themes and Custom Site Templates, SharePoint Designer.
  • Web Development Portal Development

    Custom Solutions Development

    Custom WebParts Development

    Our SharePoint team has strong experience in delivering custom web part solutions to significantly enhance SharePoint 2013, SharePoint 2010 and SharePoint 2007 (WSS 3.0, MOSS 2007) capabilities.

  • Custom Workflow development for SharePoint 2013, SP 2010 and 2007

    Enterprise Content Management (Sharepoint CMS)

    Our SharePoint web experts have worked on both the SharePoint Administrative OOTB concepts and SharePoint Designer 2007 to deliver rich content management systems and portal sites. The team has deep understanding with the XSL, XML and XSLT concepts which helps building sites using SharePoint Designer with an ease.

  • Online Custom Solutions Development
  • Our SharePoint engineers have migrated older solutions using other content management systems and earlier versions of SharePoint to latest versions. We have done migration from SharePoint 2007 to SharePoint 2010 as well as from SharePoint 2010 to SharePoint 2013.
  • Enterprise Portals and Business Intelligence

    Customization and automation using Content Types and Event Receivers

    Package installers using WSP Builders

  • Conservation OnLine #art #conservation, #bookbinding, #conservation #education, #conservation #ethics, #conservation #of #archives #materials, #conservation #of #cultural #property, #conservation #of #library #materials, #conservation #of #museum #materials, #conservation #suppliers, #conservation #treatment, #conservators, #copyright, #digital #imaging, #disaster #planning, #documentation, #electronic #media, #electronic #records, #health #and #safety, #intellectual #property, #library #binding, #mass #deacidification, #mold, #pest #management, #preservation-related #organizations, #reprographics, #restoration, #conservation #terminology, #collections #care,aic, #faic, #foundation #of #the #american #institute #for #conservation


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    Welcome to CoOL

    Resources for Conservation Professionals

    Conservation OnLine (CoOL) is a freely accessible platform to generate and disseminate vital resources for those working to preserve cultural heritage worldwide. Through the support of the Foundation of the American Institute for Conservation. CoOL is committed to growing and sustaining these resources into the future. As an authoritative and trusted source of information, CoOL serves to foster, convene, and promote collaboration.

    Use the navigation at left to:

    • Search within CoOL
    • Access the Conservation DistList archives and mailing list
    • Peruse the publications archived on CoOL (including JAIC. the Paper Conservation Catalog. and postprints from AIC’s BPG, EMG, PMG, and WAG specialty groups).
    • Access the many sites and organization that are hosted or mirrored on CoOL.

    Content on CoOL

    The content of CoOL comes from a variety of sources, and we hope that all users will consider contributing some material to the project. As you use the server, please pay attention to lacunae that you might be able to help fill. If this is your first time here, please read an important message about copyright. If you would like to contribute material to CoOL, please send a note to wh. To report problems or offer suggestions, select the links at the bottom of each page.

    Why I Give to CoOL

    by Glenn Wharton
    I am a Museum Studies professor at New York University – a new career that continues my habit of changing professions about every seven years. Over my career I shifted from being an archaeological conservator to objects conservator in private practice to specializing in public art, contemporary art, and finally time-based media at MoMA. I am not sure what this says about my own stability, but all these changes meant that I had to access new information fast about every seven years. Read more

    A sample of areas covered on this site.

    Conservation of Cultural Property: Art conservation, Paintings conservation, Paper conservation, Photographic materials conservation, Book conservation, Sculpture conservation, Objects conservation, Artifact conservation, Wood conservation, Textile conservation

    Materials: Archaeological materials, Architectural materials, Archives materials, Artifacts, Artists’ materials, Electronic media, Electronic records, Historic materials, Library materials, Manuscripts, Modern materials, Museum materials, Natural history collections

    Subjects: Biodeterioration, Collections care, Conservation education training, Conservation science, Conservation suppliers, Conservation treatment, Conservators, Copyright, Degradation of materials, Digital imaging, Disaster planning, Documentation, Ethics, Health Safety, Intellectual Property, Library Binding, Mass deacidification, Mold, Pest management, Preservation-related organizations, Reprographics, Restoration, Terminology

    CoOL Hosted Sites:

    ERP Software Solutions #erp #software #solutions, #cloud #erp #software, #cloud #erp #solutions, #erp #solution #providers, #erp #software #development, #web #based #erp #software, #erp #software #for #manufacturing, #erp #business #software, #erp #business #solutions, #enterprise #resource #planning #erp #software, #custom #erp #software, #customized #erp #solutions, #erp #software #implementation, #retail #erp #solutions, #enterprise #erp #software, #buy #erp #software, #integrated #erp #solutions


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    Next Generation Warehouse

    ERP-ORACLE JDE

    Birlasoft as Oracle’s Platinum Partner provides End to End services to customers which enable clients achieve simplified process with optimized JD Edwards’s solutions. As JDE experts, we help clients optimize data, manage risk compliance, increase efficiency, improve productivity and achieve measurable business value from the investments though our offerings that facilitates client to resolve challenges.

    Ø Consulting Services

    • Strategy and Road map creation
    • JDE Architecture solutions
    • Business Process Transformation
    • Health Check Upgrade Assessment Program

    Ø Implementation Services

    • Enterprise Application Implementation and Rollouts
    • Enterprise Integration
    • Rapid Application Upgrades and Platform Migration
    • Functional and Technical Enhancements

    Ø Outsourcing Services

    • Global Application Management
    • CNC on Demand (COD)
    • JDE Services
    • Implementation and Upgrades
      • Process Transformations
      • Information Transformation
      • Strategic Insights
      • Global Implementation/Rollouts
      • Localization, SOX Compliance
      • Global Implementation/Rollouts
    • Migration and Conversions
    • Integration and Customization
      • Enterprise Application Integration
    • Support and Managed services
    • Cloud Hosting
    • Master Data Management
    • Training and Change Management
    • Package Evaluation and Assurance services
      • Proof of concept (POC )
      • Point of View (POV)
    • Packaged Offerings
    • Health check – Upgrade Assessment Program
    • Product Workshops and Functional enhancement.
    • Version Release Upgrades
    • Maintenance and Support including Global shared support
    • Packaged enabled business transformation

    JDE World Soft upgrade program for a globally diversified oilfield services Company

    • Implemented and rolled out solutions in more than 27 countries
    • Deployed a team of 21 consultants working across various time zones
    • Leveraged our proprietary support methodology to set up an offshore helpdesk, supporting users across geographies
    • Well executed project initiation, transition and steady state model of JD Edwards
    • Completed rollouts on time budget, with substantial savings in support costs
    • Efficient support model and clear training plan for end users in their own geographies and time zones
    • Optimized JD Edwards’ applications without any disruption to the business operations
    • Over 95% SLA achievements in problem-solving and turnaround times
    • Mutually beneficial, post-implementation partnership with an emphasis on Client’s ROI

    JDE E1 9.0 implementation for a leading Global Health Care provider

    • Improved inventory visibility and control, regionally and globally
    • Improved tracking and traceability of product
    • Improved “Where Used” capability of finished goods and raw materials
    • Monitor and enforce global consistency of process and data through MDM
    • Standardized patient management capabilities
    • Simplify Global Systems Footprint by consolidating 31 instances of JD Edwards World to 5 instances of JD Edwards 8.12.
    • Standardize processes and data definitions
    • Financials, Supply Chain, Manufacturing

    JD Edwards Managed Services Program for leading paper products producer

    • Establishment of global sourcing model to enable focus on strategic activities
    • Successful implementation of 400 + Change requests in just 3 phases
    • Increased operational efficiency through EDI
    • Improvement in productivity and service levels by process standardization
    • Greater vendor accountability brought in through better SLA compliance
    • Improved system performance resulting in reduction in maintenance cos

    Intelligent ERP Upgrade

    For a sustainable competitive advantage, organizations are increasingly looking at IT as a strategic investment to align to their changing nature of business and increasing global footprint. Keeping its enterprise value chain system up-to-date, is a requisite and not an alternative; to drive advantages such as faster time-to-market enhanced real-time visibility. Some critical considerations delaying an upgrade are:

    • Confidence that there will be no business disruption when upgraded instance goes live
    • Access to proprietary tools to accelerate the upgrade process
    • Option to reduce, consolidate and standardize custom objects
    • Confidence on having seen successful large, complex upgrades

    Solution Overview

    End-to-end R12 upgrade packaged as “Upgrade-in-a-box” covers all Finance | Supply-Chain | Manufacturing processes leveraging in-house tools and accelerators ensuring an expedited upgrade for a fixed quote.

    • Go-Live Readiness on Upgraded Instance in a Quarter
    • Zero Disruption upgrade
    • Financial period closure support
    • User adoption assistance
    • Predictable TCO

    ROMO

    Fresh water is becoming an increasingly scarce global resource. The global demand of Water: may go up by 40% in 2025. About 5% of water requirement, today, is met by Reverse Osmosis. An integral element of the RO process are the membranes used for Desalination of Sea and Brackish Water,
    Waste water treatment and Fresh water purification. For the replacement of these membranes, while availability of Data has been solved, its not properly stored and analyzed to support predictive analysis. The absence of leading indicators prevents the adoption of predictive maintenance. Inability of preventive Maintenance leads to high cost, low membrane life and generation loss

    Solution Overview

    Predicts and prevents membrane failures, resulting in uninterrupted supply of potable water to communities and industries

    • Acquire data from Sensors/DCS/HMI Online through Device Integration
    • Process data to provide KPIs, Lead Fouling Indicators and Prescriptive Action to:

      Eliminate process outage through timely cleaning action

      Eliminate permanent pore blockades due to continued Plugging and Fouling

      Avoid damaging membrane polyamide structure by pinpointing cleaning requirement

      Achieve and maintain lower specific power consumption

    Event Planning Contract #event #planning #contract,sample #event #planner #contract. #event #planning #guidelines


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    Event Planning Contract

    Knowing how to create a solid event planning contract is one of the most important steps you can take in protecting you and your event. In “the good ole’ days,” a person could be held accountable by his or her word and a handshake. Unfortunately, those days are gone; and if you don’t have a legally binding event planning contract to back you up when things go wrong, then you don’t have a leg to stand on.

    You might have noticed that I said “for when things go wrong,” not if things go wrong. Because “events” were given that name for a reason; they are live gatherings where eventful things occur. in other words, something ALWAYS goes wrong!

    For this reason, having a solid, legally-binding event planning contract is absolutely necessary in the event business.

    Types of Event Planning Contracts

    In the world of events, just about everyone needs a contract to “CYB” (cover your bum). Here are some examples of the contracts that are needed for any given event:

    • The event planner and the client need a contract to outline the terms of service; including fees, payment schedules, cancellation clauses, time-lines, and overall expectations.
    • The event planner and the venue need a client to solidify dates, fees, cancellation clauses, and overall expectations.
    • The venue, in turn, needs contracts with every vendor that helps them out; including food vendors, security companies, staging and audio visual companies, parking services, and so on.
    • The event planner needs a contract with any supplemental staff, including on-site coordinators or other contractors she has hired to help her out.
    • The event planner needs a contract with every vendor that will be a part of her event; including catering companies, audio visual companies, production companies, keynote speakers, decor companies, DMC or transportation companies, entertainment, disc jockeys, and so on.
    • When dealing with entertainment, especially big-name entertainment, you will contract either with the agency that is providing the entertainer, or with the production company, or with the entertainer directly. Additionally, the entertainer usually provides a rider, which is an additional contract that outlines other requirements that you must provide for the entertainer.

    It is important to note that different representatives enter into different contracts with various vendors. For example, a concert venue will contract with a food supplier to order the food for an event and the security needed to control traffic and manage crowd control. The event planner, on the other hand, has a contract with the venue, and perhaps a separate security company that is hired to protect her high-profile keynote speaker. The venue is in charge of anything as it relates to the venue; the planner is in charge of anything as it relates to her event.

    So, as you can see, contracts are a necessary way of life for anyone that hopes to plan an event of any kind!

    How Can I Get a Sample Event Planning Contract?

    Another legal element that is necessary to protect you and your event involves insurance, permits, and licenses. Each event involves different legal requirements depending on the type of event, where it is hosted, what the content is all about, etc.

    As you can see, there are a lot different types of legal elements in the event planning business, and each one is vitally important. So important, in fact, that I can’t cover it all in one webpage. This is one area that you can not afford to mess up; without a legally binding event planning contract and the correct insurance, licenses, and permits for every area of your event, you are leaving yourself wide open for lawsuits and lost money.

    Therefore, I have cover all of this in an extensive one-hour video that is included in my Planning Events Course . This topic is so important that I dedicate one-tenth of my online video course to it.

    In this online course, I talk in greater detail about the various elements of contracts, such as cancellation clauses, what needs to be listed in your contract, and so on. I also include numerous sample event planning contracts, including contracts for clients, contracts for vendors, and contracts for entertainment. I also discuss what insurance you might need for both yourself and your event, as well as what licenses and permits might be required.

    Take all of this seriously; they are the foundation of your business as a planner! To learn more, please read about the Planning Events Course below.

    The Planning Events Course

    The Planning Events Course covers all the elements you need to know in order to begin your career in event planning; from an overview to the industry to how to find work, from the initial contracting through to the final billing, and everything in between. I guide you step by step how to plan any special event. Through over ten hours of video, I teach you everything you need to know to get started in this dynamic, exciting career. I also include dozens of downloadable documents, including sample event planning contracts, budget grids, RFPs, proposals, and much more!

    Click here to read an outline and to take the first step toward your destiny, today!

    Used Car Lot Software Online Dealer Management System Auto Websites SEO DMS Software Reconditioning Transportation Auctions Floor Planning Sales #auto #mart


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    Auto Dealer Websites and Marketing

    You need a website where you can list your cars. It does not matter what your size is. Even if you sell 3 cars per month, a website will boost your sales. We provide websites that are ready for search engine optimization at a great price.

    Contact us for more info and demonstration.

    Auctions

    Used car lots get new vehicles in 2 ways: auctions and trade ins. Buying a car in auction is more costly than doing a trade. Most of the time a staff has to be actually present at the auction. This can mean travel expenses if the auction is far. Then there are the purchasing fees. Our DMS can help you track your auction costs. We also have floor planning features. Because our system is online, if you have a smart phone, you can enter the vehicle right at the auction as you buy it.

    Transportation

    The purchased car may need to be moved to the dealer premises. Transportation can be costly. You may choose to drive the car your self or use a shipping company. Our DMS can track both cases. You can arrange multiple stops and update vehicles at once when the transport truck arrives.

    Trades

    A common issue with many dealer systems is that trades need to be entered separately. Our DMS makes this process simple. You can enter trades at the sale time. This saves time and money and prevents errors.

    Contact us for more info and demonstration.

    Reconditioning

    Most dealers do minor repairs after they get a new car. This is like staging for real estate. You have a product and you want to present it in its best state for sale. If you have a service shop, that is great. You can save money and use your staff for most of the repairs. If not, you will need to use other vendors. This is the reconditioning process. Most dealers have a more or less standard set of steps that are used for used car repairs. Replace missing part, windshields, etc. Your used car software should keep track of these steps and how they are applied.

    Parts Management

    Our system can also keep track of the parts used for repairs. You can enter your parts to the system and use them when entering repair work. The stock count will be decremented. We also have a simple order tracking for parts. Our DMS can store shipping tracking numbers. When the order arrives, the part count will be incremented. If you sell the parts or realize you lost some you can always update the stock count manually.

    Dealer Websites

    The world is changing fast. We use Internet for all our needs. Used car lots need a website where they can list their cars. It does not matter what the size is. A website will help you grow your business and make your life easier. Today, you can get a dealer website for a very low price. Even if you sell one more car it will be worth it. Our DMS is integrated with your website. In fact, they are the same system. Our VIN decoder will show the specs of your cars on your website. You can do SEO for every page and each of your cars so that buyers can find your vehicles on Google.

    Inventory Distribution

    You want to sell even more cars? You can start posting your cars to other sites. The main ones are Autotrader, cars.com, Craigslist. Our software helps you post your vehicles to these sites as well as cudlautosmart.com. We make posting to Craigslist as easy as possible. When you use full online marketing power of our DMS, you will attract many leads to your store.

    CRM

    With our DMS, you can save notes about your phone calls to leads and clients. Also, you can check how many calls were made, how many emails were sent and how many of them resulted in visits and sales.

    Desking

    You got the customer to come in. Now you need to crunch some numbers. Our deal wizard makes it easy. Enter the fees, costs and trade info and check the monthly payments. We guide you through the sale process step by step.

    Credit Reports

    You need to check your prospect’s credit. As a dealer, you have a legal duty to make sure that you do not sell to a certain group of people (OFAC list). Our credit reports supplied by CredCo make sure that you sell to the right people.

    Credit Apps

    It is tough being the small guy. Most used car lots are smaller in size. This does not help with financing. We provide direct integration with EZ Dealer Finance. Now you can get financing for your customers and enjoy participation profits.

    Vehicle Reports

    Our DMS provides many vehicle reports that help you run your business day to day. Some examples: vehicles that need reconditioning work, due floor plan loan (helps avoid late fees), need registration, etc.

    Sales Reports

    Check your sales progress monthly, weekly or daily. Easy to read charts. You can see your costs and vehicle turn around times and most importantly profits.

    CRM Report

    This report shows you how your sales people are doing. How many calls did they make and how many of them converted to sales. You can see your best and worst sales people.

    Online Leads Report

    How many people viewed my ads on Craigslist? How many of them came to my website? How many emails did I get as a result of this? Online leads report shows you this info.

    We add reports based on customer demand. Contact us for more info and demonstration.

    Bank of the Bluegrass & Trust Co #kentucky #wealth #managment, #ira, #ira #rollover, #401(k), #401(k) #rollover, #401k, #401k #rollover, #investments, #planned #giving, #endowments, #financial #planning, #toyota #early #retirement, #community #banking, #kasasa,


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    Main Post

    Wealth Management It seems that banks these days are getting bigger and bigger. Individuals become lost in the shuffle. At Bank of the Bluegrass Trust Co. our focus is on you and what is best for you and your family. Click to learn more.

    Mortgage Loans Made Easy! Let us help take the stress out of home buying. Click to learn more.

    Checking Solutions

    Is it Time for a Change? You deserve a bank that s in the business of helping people. Helping you switch banks is just the beginning. Let us help you make the switch to Home Town Banking you can count on to work for you. Click to learn more.

    Savings Solutions

    We re in the business of assisting our customer find Financial Solutions. Planning for tomorrow often starts with saving today. We offer many savings options. If you re just learning to save or you re a disciplined saver, we re sure to have a savings product that will appeal to you. Click to learn more.

    My Money

    My Money is a Personal Financial Management Tool offered to our online customers at no charge. Now you can view all of your account in one place, create custom budgets, set up alerts, track spending, and more. Click to learn more.

    Bill Pay

    Save money, add convenience, simplify paying your bills. Adding Bill Pay to your Online Banking Enrollment will allow you to set up your billers, schedule payments in advance or even set up recurring payments for set amounts. No more postage stamps! Click to learn more.

    Contact Us

    Telephone: 859-233-4500
    Around-The-Clock Banking: 859-381-8845

    Main Office

    101 East High Street
    Lexington KY 40507

    Southland Branch

    215 Southland Drive
    Lexington KY 40503

    Mobile Apps

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    ERP (Enterprise Resource Planning) System, ERP Software, Cloud ERP #erp, #enterprise #resource #planning #software, #erp #software, #erp #system, #saas #erp, #erp #solutions, #cloud #erp


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    Enterprise
    Resource
    Planning

    Accelerate Business Performance with the #1 Cloud ERP

    NetSuite Enterprise Resource Planning (ERP) offers a modern, scalable solution to run all of your key back-office operations and financial business processes in the cloud. From comprehensive financial management capabilities, including sophisticated revenue management and billing solutions, to inventory, supply chain and warehouse management solutions, NetSuite empowers businesses of all sizes, across all industries, in every part of the world to unleash innovation and growth. Built-in business intelligence with real-time reporting and analytics equips your organization with a single version of the truth and ignites better, faster decision making.

    Financial Management

    Drive new efficiencies, gain real-time insights and streamline your financial processes with a comprehensive solution that combines robust finance and accounting capabilities with built-in business intelligence that is accessible from any location, at any time.

    Order Management

    Accelerate the order-to-cash process and eliminate manual bottlenecks by integrating your sales, finance and fulfillment teams with pricing, sales order management and returns management features.

    Production Management

    Gain real-time visibility into your production process and get your products to market as quickly and cost-effectively as possible with product data management, work order management and quality assurance solutions.

    Supply Chain Management

    Define, execute and support your distribution and supply chain management plans from a single collaborative platform that you can access anywhere, anytime and from any location.

    Warehouse and Fulfillment

    Manage your end-to-end inventory and inbound/outbound logistics in real-time while minimizing your total cost of ownership.

    Procurement

    Optimize your procurement process for cost certainty with workflow-driven approval routings and improve the accuracy of procure-to-pay processes by automating and linking key procurement transactions.

    Human Capital Management

    Maximize the value of your most important resources and minimize management costs by utilizing payroll services, incentive compensation management and employee center features in an integrated, flexible and comprehensive HCM solution.

    Enterprise Resource Planning Solutions #enterprise #resource #planning #singapore, #enterprise #resource #planning #solutions, #enterprise #resource #planning, #microsoft #dynamics #nav #providers


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    Microlabs provides a complete range of consulting

    Microlabs provides a complete range of consulting and services by leveraging our domain and business expertise and strategic alliances with leading technology providers. Microlabs aims to provide solutions that adds value in day to day life of the individual as well as in the.

  • Microsoft Dynamics NAV

    Microlabs is a IT consulting firm

    Microlabs is a IT consulting firm that provides fully integrated ERP solutions especially for SME’s. We are specialized in delivering project based management or Job costing solutions with a proven implementation methodology.

  • Business Process Reengineering

    – Business Process Reengineering for your Accounts Payable department
    – Return on Investment for Accounts Payable Automation

  • Search Engine Optimization

    SEO (Search Engine Optimization) is the activity of optimizing Web pages or whole sites in order to make them more search engine friendly, thus getting higher positions in search results.

  • The World’s Leading Virtual Assistant Service

    Focus on your important work and we will take care of the rest.
    Get your own dedicated virtual assistant as low as SGD 179 per month*.

  • Your Satisfaction has always been our utmost concern

    Your Satisfaction has always been our utmost concern.
    Please do not hesitate to contact us if you have any doubts
    or burning questions about our ERP system.

    Welcome to Microlabs

    Singapore-based IT consulting and solutions company. The primary focus of Microlabs is to serve small and medium scale enterprises (SMEs) from across the globe by providing smart and cost-efficient business solutions.

    We treat your business challenges as our own and offer ready-for-use or customized solutions to lessen redundancy and boost productivity.

    “Creativity often consists of merely turning up what is already there.”

  • Estate Planning Council of Birmingham, Inc #estate #planning #birmingham, #estate #planners #birmingham, #estate #planning #attorney #birmingham, #al, #accredited #estate #planner, #certified #estate #planner, #personal #financial #planning, #charitable #planning, #corporate #tax #planning, #wealth #transfer #planning, #financial #planning, #retirement #planning, #executive #compensation, #deferred #compensation, #probate #administration, #trust #and #estate #administration, #business #succession, #estate #and #gift #taxation, #estate #income #tax, #securities #law, #investment #management, #will #contests, #fiduciary #income #taxation, #sale #and #tax #issues, #executive #benefits, #elder #law, #insurance, #equities, #mergers, #acquisitions, #litigation #support, #tax #defense, #attorney


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    Welcome to the website of The Estate Planning Council of Birmingham!

    The Estate Planning Council of Birmingham is a multi-disciplinary professional association organized to provide educational programs and networking opportunities for estate planning professionals in the community. Established in 1960, the Council s membership is currently comprised of more than 200 attorneys, accountants, bank trust officers, life insurance professionals, and financial planners. Others who work in the field of estate planning participate as associate members.

    If you are seeking guidance regarding your estate planning, please use our membership list to assemble a team of professionals who are dedicated to their estate planning practice.

    Meetings: 1st Thursday of each month

    September through May

    The Harbert Center

    2019 4th Avenue North

    Guests are welcome!

    Continuing Education Credit: Up to 12 hours a year if all meetings are attended.

    Membership application on left side of this page (Document Library).

    Initiation Fee: $100.00

    Annual Dues: $275.00

    UPCOMING EVENTS

    September 7, 2017

    TOPIC: The Generous Business: How Families Use their Business as an Engine of Generosity

    Michael King – National Christian Foundation

    TOPIC: Advising Clients through the Toughest Times of Life

    Amy Florian – Corgenius

    Saint Louis County Family Lawyer – Franklin County, Missouri Bankruptcy Attorney – Jefferson County, Missouri Estate Planning Lawyer #call #(636) #587-2733, #laurie #a. #knight #is #dedicated #to #serving #our #clients #with #a #range #of #legal #services #including #family, #bankruptcy #and #estate #planning #cases.


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    Laurie A. Knight, Attorney at Law, L.L.C. is devoted to helping individuals and families in Franklin, Jefferson and St. Louis counties. We understand the values and needs of the people within these communities and can provide reasonable and effective legal representation to meet those values and needs. We provide legal representation in a variety of areas such as adoption ; bankruptcy ; child custody. visitation. and support; divorce ; DWI ; guardianship ; juvenile ; traffic ; and wills, trusts and probate. Our office has flexible appointment times. Call today for a free consultation.

    Dealing with the court system, in general, is a daunting and stressful experience. Individuals and families deserve to have an experienced attorney that understands their goals and needs and can navigate them effectively through the process. At Laurie A. Knight, Attorney at Law, L.L.C. we strive for excellence. We are dedicated to providing our clients with skilled, efficient, professional and personal service. Do not face a legal situation alone. We zealously advocate for our clients and guide the client through this difficult and confusing time.

    We understand that when a person is dealing with overwhelming debt, family break-ups and loss of a loved one, it is a life altering experience. No two families or situations are the same. We provide a personal approach and explain the various options that are available in each situation. We pay attention to the details to provide the most effective representation for each case. We know our clients are in crisis and are here to advocate for them and protect their rights.

    The Ways We Can Help

    Many times when a person is under financial crisis, he/she feels alone with no place to turn. We can help. Bankruptcy may be the answer and can provide an individual with a fresh start. We can assess whether bankruptcy is the right option for the client, and if bankruptcy is the answer, explain which chapter under the Bankruptcy Code is the correct path for the client. With our help, that mountain of debt can be conquered.

    When a family is breaking up, many changes are occurring including changes in financial resources and the family dynamics. During a divorce, one spouse may need to learn new skills such as learning to handle the family finances or learning to become the primary care-giver for the children. Many changes are occurring within the family along with the emotional stress of losing a spouse. We understand these stresses and provide guidance through the family court system. We help families with child custody and support issues.

    Providing for a loved-one after death is important and takes preparation. Many options are available to the client. One such option is a simple will. Another option is a living trust. We help our clients understand the options and provide an individual estate plan. We help our clients achieve their goal of providing for their loved-ones after death and guide them through the probate court process.

    Laurie A. Knight, Attorney at Law, L.L.C. handles a variety of cases. Not sure if we handle that type of case or if we practice in that geographical area? Call our office; each case is assessed on an individual basis. To learn more about the ways we can help, please call our office today or complete the form on our contact page. If you, a loved one, or a friend is in need of legal advice and representation, contact our office for a free consultation.

    Medicaid and Nursing Homes – Sean W #medicaid, #nursing #homes, #assisted #living, #asset #protection, #veteran #benefits, #alzhiemer’s, #parkinson’s, #dementia, #pinellas, #pasco, #lee, #citrus, #hernando, #elder #law, #elderlaw, #dcf, #veteran #benefits, #aid #and #attendance, #spend #down, #personal #care #contract, #florida #medicaid, #medicare, #100 #days, #diversion #program, #florida #long-term #care, #medicaid #waiver, #income #cap, #income #trust, #miller #trust, #durable #power #of #attorney, #alzheimer’s, #caregiver, #va #benefits, #va #contract, #estate #planning, #wills, #trusts, #durable #power #of #attorney, #dpoa, #health #care #surrogate, #living #will, #map, #nursing #home #locations, #nursing #home #ratings


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    Getting old is not easy .

    Help is on the way. A new set of challenges awaits as we grow older: Incapacity, the specter of mortality and nursing home care. Our primary focus since 1990 has been to help our clients avoid the financial ruin of long-term care expenses. The average cost of nursing home care in Florida is above $10,000 per month. If the nursing home is part of your reality, you must take action or be wiped out financially.

    Quick Click and Go Links

    We hope that the resources and information available on our site will help. Should you need more information or solutions including help with asset preservation and Medicaid qualification, please call our offices at 727-539-0181 and schedule a FREE consultation. We serve the ENTIRE state of Florida and teleconference or video conference with clients that cannot meet with us face-to-face.

    Sean W. Scott, Esq.

    Our Facebook Page

    • Looking for a nursing home? Our new Florida Nursing Home Map makes it easy to find a nursing home. Now with star ratings and other data.

    • New mobile site. Check it out on your iPhone and Android at FLMedicaid.com.

    • NEW virtual law office at the University of South Florida Alzheimer’s Byrd Center. In addition to our offices in Pinellas county. Punta Gorda. and Inverness. The new virtual office allows us to meet directly with clients by video conference without having the client having to leave the center.

    • New Facebook integration on our home page. Yay!

    • Check out our aging and dementia store for a collection of books and products we find helpful for our clients including The 36-Hour Day.

    ​ TOTAL CLIENT SERVICE is our mission. The complexity of the issues facing aging clients and the need for integration of multiple disciplines defines and sets us apart from others who purport to do Medicaid filing or planning. These non-professionals often lack the training and experience to adequately meet the needs of the client and are often merely a way to sell financial investments to the client. Not only are the motivations questionable, but they cannot provide the legal services required such as powers of attorney, income trusts, and the complex estate planning that is necessary in every case. We serve the entire state of Florida with physical offices in Pinellas, Citrus, Lake and Charlotte Counties. Please contact us for a free, no charge, initial personal consultation, phone consult or video consult. More.

    MEDICAID IN FLORIDA

    An integral part of obtaining Medicaid benefits is meeting and understanding the Medicaid eligibility requirements. Income, assets, and transfers are the big three eligibility tests that the state uses to determine if you qualify for benefits. More.

    Unfortunately there is a break down in our Medicare system when in comes to coverage for nursing home care. Medicaid helps fix the inadequacies of Medicare. Risk factors like Alzheimer’s and Parkinson’s make it critical to plan now, before placement if at all possible. More.

    If you are looking for some quick answers to your Medicaid questions check out our Top Ten Medicaid Mistakes and The 2017 Medicaid Fact Sheet. While the issues of Medicaid are much more complex these resource are a great place to start. More…

    OUR SERVICES

    For over 25 years we have helped our clients preserve their assets when facing a stay in a nursing home or assisted living facility. By accessing Medicaid and or veteran’s benefits to pay for care, an entire life-time of savings are protected. More.

    Everyone must have a plan in place in the event of death or incapacity. Powers of attorney, wills and trusts put a co-pilot in place and are a fundamental part of future planning. More.

    Few of us have ever had to choose a nursing home or assisted living facility. To help, we have dedicated staff ready to consult concerning placement options and care plans. We also have created an on-line resource, the Florida Nursing Home Map to provide easy access to location and information on Florida nursing homes. More.

    We have some great videos on Medicaid, powers of attorney, estate planning and other issues on our video page. Sometimes it is just easier to watch something than to do all this reading. Check them out. More.

    If you can’t make it out to one of our live Medicaid seminars, we have a Medicaid audio recording to listen to. Note that it was not recorded this year so you will want to check out the most current Medicaid eligibility information. More.

    Our passion is to educate our clients and the public. Come see a live Medicaid seminar at a location near you. Or attend our upcoming Webinars where you can participate right from your computer. Learn how to navigate the maze of Medicaid to pay the cost of care in a nursing home or assisted living facility. See our live seminar calendar. More .

    For a limited time Sean’s Medicaid Handbook is available as a free download. Click to download a pdf version to read on your computer, iPad, Kindle or Nook. More . .

    Mercer Advisors #retirement #calculator, #financial #planning, #investment, #investment #banking, #financial #management, #personal #finance, #financial #management, #financial #accounting, #financial #advisor, #financial #planning, #investments, #retirement #planning, #wealth #management, #budget #planner, #financial #planner, #certified #financial #planner, #investment #management, #financial #manager, #investment #jobs, #financial #advisers


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    Press Releases / News

    Mercer Adds Sixth RIA in 13 Months, Nears $10B Mark, February 14, 2017
    Mercer Advisors Continues Its National Expansion, Acquires Pegasus Advisors, Press Release, November 2, 2016
    Mercer Advisors and Kanaly Trust Merge to Create One of the Largest Independent Wealth Managers in the United States, Press Release, March 28, 2016
    Mercer Advisors Expands Footprint, Acquires Spruce Hill Capital, Press Release, November 12, 2015
    Mercer Advisors Names Loren Pierson as Firm President, Press Release, July 21, 2015
    Mercer Advisors Announces New Chief Investment Officer, Press Release, July 21, 2015
    Mercer Advisors Surpasses $6 Billion in Client Assets Under Management, Press Release, June 15, 2015
    Mercer Advisors Launches Groundbreaking Client Appreciation Initiative, Press Release, June 1, 2015

    Rankings

    Wealth Management

    Top 100 RIAs – #15, November 10, 2015

    Top 100 Wealth Managers – #19, May 1, 2015

    PLEASE NOTE: Mercer Advisors Inc. is a Delaware corporation and is in no way affiliated with Mercer LLC, Mercer Investments, or the Marsh McLennan Companies.

    Mercer Global Advisors Inc. is registered with the Securities and Exchange Commission and delivers all investment-related services. Mercer Advisors Inc. is the parent company of Mercer Global Advisors Inc. and is not involved with investment services. All legal advice, services, and document creation are provided through Advanced Services Law Group. Mercer Advisors is not a law firm and does not provide legal advice or services. ©2016 Mercer Advisors. All Rights Reserved. | Powered by Mercer Advisors

    Probate Lawyer Michigan Attorney Profile #probate #attorney #michigan,probate #attorney #detroit,probate #attorney #south #east #michigan,estate #planning #michigan,estate #planning #detroit,estate #planning #south #east #michigan,probate #attorney #wayne #county,probate #attorney #oakland #county,probate #attorney #metro #area


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    Attorney Profile

    Trust is the key to an effective client-attorney relationship. I believe I ve earned the trust of my clients by personally providing them with individualized service and legal counsel.

    – Michael W. Colton

    Experienced

    Michael W. Colton received his license to practice law in Michigan in 1979 and has since earned a reputation for taking a strong personal interest in every client he represents. He has handled hundreds of cases and is knowledgeable in Michigan probate law and court protocol.

    Involved

    Michael believes in the importance of being involved in his community. He volunteers his services to the City of Southfield s Legal Aid Program and sits on the advisory board for Lewis College of Business in Detroit.

    Educated

    After receiving his bachelor s degree from the University of Michigan in 1975, Michael enrolled in the University of Detroit Law School and earned his law degree in 1978. In addition to his law degree, he holds a Real Estate Brokerage License. Michael has also kept up to date with current changes in the law and regularly attends continuing legal education seminars.

    Member of:

    • The Estate Planning and Probate Sections of the Michigan Bar Association
    • The Oakland County Bar Association
    • The Wayne County Probate Bar Association

    Convenience

    In addition to their home, our parents had a vacation home and property in another part of the state. Because he s both an attorney and a licensed real estate broker it made settling our parents estate much simpler when that time came.

    Home – Stanley Consultants – Global Engineering Service Provider #engineering, #consulting #engineering,program #management, #engineering #planning,engineering #design,architecture,environmental,construction #administration,engineering #service #provider


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    Protecting Owner’s Interest, Quality in Power Plant Construction New power generating units will serve millions in the Dominican Republic with reliable, affordable electricity while lowering overall air emissions.

    Canyon Lake Dam Reconstruction Stanley Consultants evaluated the alternatives, and provided preliminary and final design for this $3.7 million dam reconstruction, which has a lifespan of over 50 years and is designed to safely pass a 500-year flood.

    Novel Bridge-Under-Bridge Design Allowed Six Lanes of Traffic During Construction Using girders that increase the structural depth of the bridge made it possible to construct the substructure of the new bridge underneath the existing bridge.

    Global Reach – Interactive Experience Map Being a Global Engineering Service Provider gives us the flexibility to perform complex engineering projects all over the world. From North and South America to the Middle East, Asia, Africa and Guam, Stanley Consultants has the expertise you need for successful projects anywhere in the world.

    University of Chicago Utility Master Plan Stanley Consultants expands and updates the University of Chicago’s utility master plan for short and long-term needs.

    Stanley Consultants Named IRWA Employer of the Year

    Stanley Consultants has been awarded the International Right of Way Association’s (IRWA) Employer of the Year Award for companies with less than 20 right of way professionals. The award was presented on June 12 at the 63rd annual IRWA Education Conference in Anchorage, Alaska.

    Construction Revs Up on P3 Freeway in Phoenix

    Stanley Consultants is working with the lead design firm on the long-planned Loop 202 Freeway in metropolitan Phoenix.

    Also know as the South Mountain Freeway, Loop 202 will add a 22-mile connection to the eastern and western portions of metro Phoenix to relieve pressure on existing freeway corridors and local streets.

    Stanley Consultants Authors two articles in Power Engineering Magazine

    The May issue of Power Engineering Magazine features two articles authored by Stanley Consultants’ members John Solan, Don’t Freeze in the Dark. and Andy Ungermann, Solving the Power Puzzle for Municipal and Cooperative Utilities.

    Collaborate. Connect. Complete.

    Stanley Consultants is a consulting engineering firm recognized in the engineering industry for our commitment to client service and our passion to make a difference. With a focus on energy. water. transportation and the environment. we bring global knowledge, a century of experience, and multi-disciplinary capabilities to serve our private and public clients.

    We offer a wide range of services and capabilities in program management. planning. studies, design. architecture, environmental. urban design and construction administration. While we are ranked as one of the world’s largest consulting engineering firms, you will notice that our approach to client service is very collaborative, flexible and tailored to your needs. We listen to your concerns and explore all the options before we offer a solution that will work for you now and in the future.

    As a member (employee)-owned company, our members are especially proud that they can make a difference for you. Whether it’s a safer freeway interchange, a sustainable wastewater treatment plant, a stronger levee, or an efficient power plant, we help improve the quality of life for people around the world.

    Connect with our team of professionals who are ready to help you with your engineering, environmental and construction services needs.

    Recent News

    Cowin Joins Stanley Consultants as Business Development Manager

    July 7, 2017 | Doug Cowin has joined Stanley Consultants as a Business Development Manager in the firm’s Energy and Environment market.

    Environmental Technology Project at Ottumwa Generation Station Kicks Off Construction

    June 27, 2017 | Stanley Consultants providing design services for $150 million environmental technology project at Ottumwa Generation Station.

    Age Restricted Apartments Senior Resource Senior Apartments #apartments, #rentals, #apartment, #senior #living, #affordable, #low #income #housing, #age #restricted #apartments, #housing, #real #estate, #seniors, #aging, #health, #medical, #retirement, #insurance, #finance, #financial #planning, #interim #skilled #nursing, #55+, #62+, #affordable #housing,care #homes, #health #care, #communities, #voucher,home #care, #55+, #62+, #handicapped, #subsidized #apartments, #affordable #apartments, #aarp, #states, #


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    What is the age for “senior” apartments?

    Senior age-restricted apartments are usually 55 or 62+ and follow HUD regulations which allow for such “age discrimination”. If restirctions are 55+, at least one person in the apartment must be at least 55 and the apartment community must have no more than 20% of all residents under the age of 55. If they are 62+, than ALL residents must be at least 62.

    Exceptions are made by HUD regulations for renters who are under the minimum age, if they are handicapped.

    Who are renters?

    There are those among the senior rental population who have been renters through their most or all of their adult life. Other renters have sold a home of many years and moved to an apartment. Sometimes a life occurance forces the shift from homeowner to renter:

  • A divorce and the need to divide the equity.
  • The financial inability to continue making payments and keeping up the property.
  • Death or relocation of friends and relatives and the desire to relocate to an area where there will again be an emotional or social support-network.
  • Selling a home to free up equity that can be invested to generate interest and/or dividend income.
  • Desire to be free from home and garden maintenance.
  • Freedom to travel more without the worry of what is happening to property back home.

    Combining those who have always rented with those who sell homes to become renters 23% of 65+ Americans are renters.

    In 1992 AARP research found that 43% of seniors moving to an apartment complex, prefered age-restricted apartment buildings over age-integrated ones.

    Considering becoming a renter because life’s changing circumstances make it difficult to meet your financial obligations?
    If your home is paid off, or almost so a Reverse Mortgage may provide another alternative to selling your home.

    The majority of senior apartment renters do not move further than 5-10 miles from their former home or apartment, unless relocating to be closer to relatives.

    “Thank you for your answer to my age restriction question
    on senior communities. It was complete and clear”.
    Thank you, Mac

    Categories of Sen ior Apartments

    The three pricing categories of apartments (although all may not be available in any one market) are:

  • Market rate
  • Above market rate, luxury rentals
  • Affordable

    Market rate is just that. They offer unit size and numbers of bedrooms and baths as non-age-restricted rentals in the area at a competitive monthly rate, or occasionally 10-15% under general age-occupancy market-rate rents. The senior orientation of the age restricted community may however offer different amenities and other advantages geared to the needs and preferences of seniors.

    Above market rate, luxury rentals also serve the age-restricted market. They appealing to the affluent senior wanting a “home” in a second city, or wanting to be free of maintenance without giving up luxuries. Some high end age-restricted properties definitely offer “snob” appeal.

    Affordable apartments for seniors (sometimes 55+, more often 62+) are in high demand and short supply. Social, cultural and medical changes have certainly contributed to the need.

    Contributing factors are:

  • Predominence of women among the 65+ population and their lower retirement income
  • High divorce rates among women now 55-80
  • Out-living husbands resulting in lowered retirement income
  • Unplanned longevity leading to out-living ones financial resources

    Per HUD ( U.S. Department of Housing and Urban Development ) Families who pay more than 30 percent of their income for housing are considered cost burdened and may have difficulty affording necessities such as food, clothing, transportation and medical care. An estimated 12 million renter and homeowner households now pay more than 50 percent of their annual incomes for housing. A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States .

    Affordable apartments have been created by government programs since the 1930s. What is defined as affordable in one community may not match the definition of affordable in another community.

  • Programs that provide opportunites for affordable housing are structured or defined by regulations from federal, county or city government legislation.
  • “Vouchers” enable a qualified recipient to rent a market-rate home or apartment and the voucher assures the landlord that the renter will pay 30 percent of his or her monthly income toward the rent and the difference between that portion and the market-rate rent will come from the government entity granting the voucher.
  • Bonds may be through city or county redevelopment programs, and use the money raised from the bond sale to fund and subsidize specific development of housing for “lower” income people. Bonds may specify what percent of the median income someone must have to qualify to rent in their building. i.e.You may be restricted to make no more than 50 percent of the median income in the county. Perhaps the funding of the complex specifies that you can make no more than 120 percent of median income. The funding is specifically tied to the complex, or specific units that are “affordable”.
  • Funding can also come from grants, community, government or federally based. The grant money functions similarly to bond money, designating percent of county median income at the time of the grant.
  • Tax credits are another way that the federal government may encourage development of affordable housing. By awarding tax credits (money deducted from a company’s federal tax obligation) in exchange for developing apartments within restrictive guidelines. In the past many years we see properties developed to offer affordable apartments that combine tax credits, grants and bond measures.

    The most commonly-known rental vouchers are Section 8 vouchers which can provide renter-based benefits to a qualified renter. They provide rent subsidies so tenants who hold them do not pay more than 30 percent of their adjusted gross income for rent.

    To find out about affordable housing opportunities in an area. contact city or county housing agencies. Local senior centers and Area Agencies on Aging may also be able to identify affordable housing or even outline the steps for getting onto waiting lists. Because of undersupply, waiting lists prevail in almost all regions for affordable rentals.

    Things to Consider When Apartment Shoppsing

  • Parking convenience to the living unit.
  • Lighting and security around parking.
  • Storage
  • Are there a lot of closets and cupboards?
  • Is their common storage for an additional fee?
  • Stairs may be a deterent or a means of staying fit.
  • Distance to shopping – walking or riding.
  • Public transportation availability and convenience.
  • Distance to medical facilities and doctors.
  • Security.
  • Total complex access from external streets.
  • Individual apartments
  • Intercom to front door, apartment entry and front desk.
  • Safety pull cord in unit.
  • Grab bars in bathroom and tub area.
  • Cabinet and counter height.
  • Shower and/or tub arrangements to meet your present and future needs.
  • Management quality and experience.
  • Ammenities on site:
  • Pool.
  • Spa.
  • Clubhouse.
  • Laundry availability.
  • Services and activities available or provided.
  • Distance to relatives.
  • Greater community cultural activities.
  • If you are eligible for subsidies, do they accept rent vouchers?
  • Used Car Lot Software Online Dealer Management System Auto Websites SEO DMS Software Reconditioning Transportation Auctions Floor Planning Sales #auto #italia


    #used car lot
    #

    Auto Dealer Websites and Marketing

    You need a website where you can list your cars. It does not matter what your size is. Even if you sell 3 cars per month, a website will boost your sales. We provide websites that are ready for search engine optimization at a great price.

    Contact us for more info and demonstration.

    Auctions

    Used car lots get new vehicles in 2 ways: auctions and trade ins. Buying a car in auction is more costly than doing a trade. Most of the time a staff has to be actually present at the auction. This can mean travel expenses if the auction is far. Then there are the purchasing fees. Our DMS can help you track your auction costs. We also have floor planning features. Because our system is online, if you have a smart phone, you can enter the vehicle right at the auction as you buy it.

    Transportation

    The purchased car may need to be moved to the dealer premises. Transportation can be costly. You may choose to drive the car your self or use a shipping company. Our DMS can track both cases. You can arrange multiple stops and update vehicles at once when the transport truck arrives.

    Trades

    A common issue with many dealer systems is that trades need to be entered separately. Our DMS makes this process simple. You can enter trades at the sale time. This saves time and money and prevents errors.

    Contact us for more info and demonstration.

    Reconditioning

    Most dealers do minor repairs after they get a new car. This is like staging for real estate. You have a product and you want to present it in its best state for sale. If you have a service shop, that is great. You can save money and use your staff for most of the repairs. If not, you will need to use other vendors. This is the reconditioning process. Most dealers have a more or less standard set of steps that are used for used car repairs. Replace missing part, windshields, etc. Your used car software should keep track of these steps and how they are applied.

    Parts Management

    Our system can also keep track of the parts used for repairs. You can enter your parts to the system and use them when entering repair work. The stock count will be decremented. We also have a simple order tracking for parts. Our DMS can store shipping tracking numbers. When the order arrives, the part count will be incremented. If you sell the parts or realize you lost some you can always update the stock count manually.

    Dealer Websites

    The world is changing fast. We use Internet for all our needs. Used car lots need a website where they can list their cars. It does not matter what the size is. A website will help you grow your business and make your life easier. Today, you can get a dealer website for a very low price. Even if you sell one more car it will be worth it. Our DMS is integrated with your website. In fact, they are the same system. Our VIN decoder will show the specs of your cars on your website. You can do SEO for every page and each of your cars so that buyers can find your vehicles on Google.

    Inventory Distribution

    You want to sell even more cars? You can start posting your cars to other sites. The main ones are Autotrader, cars.com, Craigslist. Our software helps you post your vehicles to these sites as well as cudlautosmart.com. We make posting to Craigslist as easy as possible. When you use full online marketing power of our DMS, you will attract many leads to your store.

    CRM

    With our DMS, you can save notes about your phone calls to leads and clients. Also, you can check how many calls were made, how many emails were sent and how many of them resulted in visits and sales.

    Desking

    You got the customer to come in. Now you need to crunch some numbers. Our deal wizard makes it easy. Enter the fees, costs and trade info and check the monthly payments. We guide you through the sale process step by step.

    Credit Reports

    You need to check your prospect’s credit. As a dealer, you have a legal duty to make sure that you do not sell to a certain group of people (OFAC list). Our credit reports supplied by CredCo make sure that you sell to the right people.

    Credit Apps

    It is tough being the small guy. Most used car lots are smaller in size. This does not help with financing. We provide direct integration with EZ Dealer Finance. Now you can get financing for your customers and enjoy participation profits.

    Vehicle Reports

    Our DMS provides many vehicle reports that help you run your business day to day. Some examples: vehicles that need reconditioning work, due floor plan loan (helps avoid late fees), need registration, etc.

    Sales Reports

    Check your sales progress monthly, weekly or daily. Easy to read charts. You can see your costs and vehicle turn around times and most importantly profits.

    CRM Report

    This report shows you how your sales people are doing. How many calls did they make and how many of them converted to sales. You can see your best and worst sales people.

    Online Leads Report

    How many people viewed my ads on Craigslist? How many of them came to my website? How many emails did I get as a result of this? Online leads report shows you this info.

    We add reports based on customer demand. Contact us for more info and demonstration.

    Used Car Lot Software Online Dealer Management System Auto Websites SEO DMS Software Reconditioning Transportation Auctions Floor Planning Sales #buy #cars


    #used car lot
    #

    Auto Dealer Websites and Marketing

    You need a website where you can list your cars. It does not matter what your size is. Even if you sell 3 cars per month, a website will boost your sales. We provide websites that are ready for search engine optimization at a great price.

    Contact us for more info and demonstration.

    Auctions

    Used car lots get new vehicles in 2 ways: auctions and trade ins. Buying a car in auction is more costly than doing a trade. Most of the time a staff has to be actually present at the auction. This can mean travel expenses if the auction is far. Then there are the purchasing fees. Our DMS can help you track your auction costs. We also have floor planning features. Because our system is online, if you have a smart phone, you can enter the vehicle right at the auction as you buy it.

    Transportation

    The purchased car may need to be moved to the dealer premises. Transportation can be costly. You may choose to drive the car your self or use a shipping company. Our DMS can track both cases. You can arrange multiple stops and update vehicles at once when the transport truck arrives.

    Trades

    A common issue with many dealer systems is that trades need to be entered separately. Our DMS makes this process simple. You can enter trades at the sale time. This saves time and money and prevents errors.

    Contact us for more info and demonstration.

    Reconditioning

    Most dealers do minor repairs after they get a new car. This is like staging for real estate. You have a product and you want to present it in its best state for sale. If you have a service shop, that is great. You can save money and use your staff for most of the repairs. If not, you will need to use other vendors. This is the reconditioning process. Most dealers have a more or less standard set of steps that are used for used car repairs. Replace missing part, windshields, etc. Your used car software should keep track of these steps and how they are applied.

    Parts Management

    Our system can also keep track of the parts used for repairs. You can enter your parts to the system and use them when entering repair work. The stock count will be decremented. We also have a simple order tracking for parts. Our DMS can store shipping tracking numbers. When the order arrives, the part count will be incremented. If you sell the parts or realize you lost some you can always update the stock count manually.

    Dealer Websites

    The world is changing fast. We use Internet for all our needs. Used car lots need a website where they can list their cars. It does not matter what the size is. A website will help you grow your business and make your life easier. Today, you can get a dealer website for a very low price. Even if you sell one more car it will be worth it. Our DMS is integrated with your website. In fact, they are the same system. Our VIN decoder will show the specs of your cars on your website. You can do SEO for every page and each of your cars so that buyers can find your vehicles on Google.

    Inventory Distribution

    You want to sell even more cars? You can start posting your cars to other sites. The main ones are Autotrader, cars.com, Craigslist. Our software helps you post your vehicles to these sites as well as cudlautosmart.com. We make posting to Craigslist as easy as possible. When you use full online marketing power of our DMS, you will attract many leads to your store.

    CRM

    With our DMS, you can save notes about your phone calls to leads and clients. Also, you can check how many calls were made, how many emails were sent and how many of them resulted in visits and sales.

    Desking

    You got the customer to come in. Now you need to crunch some numbers. Our deal wizard makes it easy. Enter the fees, costs and trade info and check the monthly payments. We guide you through the sale process step by step.

    Credit Reports

    You need to check your prospect’s credit. As a dealer, you have a legal duty to make sure that you do not sell to a certain group of people (OFAC list). Our credit reports supplied by CredCo make sure that you sell to the right people.

    Credit Apps

    It is tough being the small guy. Most used car lots are smaller in size. This does not help with financing. We provide direct integration with EZ Dealer Finance. Now you can get financing for your customers and enjoy participation profits.

    Vehicle Reports

    Our DMS provides many vehicle reports that help you run your business day to day. Some examples: vehicles that need reconditioning work, due floor plan loan (helps avoid late fees), need registration, etc.

    Sales Reports

    Check your sales progress monthly, weekly or daily. Easy to read charts. You can see your costs and vehicle turn around times and most importantly profits.

    CRM Report

    This report shows you how your sales people are doing. How many calls did they make and how many of them converted to sales. You can see your best and worst sales people.

    Online Leads Report

    How many people viewed my ads on Craigslist? How many of them came to my website? How many emails did I get as a result of this? Online leads report shows you this info.

    We add reports based on customer demand. Contact us for more info and demonstration.

    Used Car Lot Software Online Dealer Management System Auto Websites SEO DMS Software Reconditioning Transportation Auctions Floor Planning Sales #auto #led #lights


    #used car lot
    #

    Auto Dealer Websites and Marketing

    You need a website where you can list your cars. It does not matter what your size is. Even if you sell 3 cars per month, a website will boost your sales. We provide websites that are ready for search engine optimization at a great price.

    Contact us for more info and demonstration.

    Auctions

    Used car lots get new vehicles in 2 ways: auctions and trade ins. Buying a car in auction is more costly than doing a trade. Most of the time a staff has to be actually present at the auction. This can mean travel expenses if the auction is far. Then there are the purchasing fees. Our DMS can help you track your auction costs. We also have floor planning features. Because our system is online, if you have a smart phone, you can enter the vehicle right at the auction as you buy it.

    Transportation

    The purchased car may need to be moved to the dealer premises. Transportation can be costly. You may choose to drive the car your self or use a shipping company. Our DMS can track both cases. You can arrange multiple stops and update vehicles at once when the transport truck arrives.

    Trades

    A common issue with many dealer systems is that trades need to be entered separately. Our DMS makes this process simple. You can enter trades at the sale time. This saves time and money and prevents errors.

    Contact us for more info and demonstration.

    Reconditioning

    Most dealers do minor repairs after they get a new car. This is like staging for real estate. You have a product and you want to present it in its best state for sale. If you have a service shop, that is great. You can save money and use your staff for most of the repairs. If not, you will need to use other vendors. This is the reconditioning process. Most dealers have a more or less standard set of steps that are used for used car repairs. Replace missing part, windshields, etc. Your used car software should keep track of these steps and how they are applied.

    Parts Management

    Our system can also keep track of the parts used for repairs. You can enter your parts to the system and use them when entering repair work. The stock count will be decremented. We also have a simple order tracking for parts. Our DMS can store shipping tracking numbers. When the order arrives, the part count will be incremented. If you sell the parts or realize you lost some you can always update the stock count manually.

    Dealer Websites

    The world is changing fast. We use Internet for all our needs. Used car lots need a website where they can list their cars. It does not matter what the size is. A website will help you grow your business and make your life easier. Today, you can get a dealer website for a very low price. Even if you sell one more car it will be worth it. Our DMS is integrated with your website. In fact, they are the same system. Our VIN decoder will show the specs of your cars on your website. You can do SEO for every page and each of your cars so that buyers can find your vehicles on Google.

    Inventory Distribution

    You want to sell even more cars? You can start posting your cars to other sites. The main ones are Autotrader, cars.com, Craigslist. Our software helps you post your vehicles to these sites as well as cudlautosmart.com. We make posting to Craigslist as easy as possible. When you use full online marketing power of our DMS, you will attract many leads to your store.

    CRM

    With our DMS, you can save notes about your phone calls to leads and clients. Also, you can check how many calls were made, how many emails were sent and how many of them resulted in visits and sales.

    Desking

    You got the customer to come in. Now you need to crunch some numbers. Our deal wizard makes it easy. Enter the fees, costs and trade info and check the monthly payments. We guide you through the sale process step by step.

    Credit Reports

    You need to check your prospect’s credit. As a dealer, you have a legal duty to make sure that you do not sell to a certain group of people (OFAC list). Our credit reports supplied by CredCo make sure that you sell to the right people.

    Credit Apps

    It is tough being the small guy. Most used car lots are smaller in size. This does not help with financing. We provide direct integration with EZ Dealer Finance. Now you can get financing for your customers and enjoy participation profits.

    Vehicle Reports

    Our DMS provides many vehicle reports that help you run your business day to day. Some examples: vehicles that need reconditioning work, due floor plan loan (helps avoid late fees), need registration, etc.

    Sales Reports

    Check your sales progress monthly, weekly or daily. Easy to read charts. You can see your costs and vehicle turn around times and most importantly profits.

    CRM Report

    This report shows you how your sales people are doing. How many calls did they make and how many of them converted to sales. You can see your best and worst sales people.

    Online Leads Report

    How many people viewed my ads on Craigslist? How many of them came to my website? How many emails did I get as a result of this? Online leads report shows you this info.

    We add reports based on customer demand. Contact us for more info and demonstration.

    Planning Tools & Calculators


    #auto calculator
    #

    Planning Tools Calculators

    Retirement Wellness Planner

    Our online retirement planning resources can help you quickly see if you may be on track with your retirement goals. Our Retirement Wellness Score and Retirement Wellness Planner help you:

    • Quickly see how well you may be tracking towards your retirement savings goal
    • Easily manage, visualize and plan your retirement savings
    • See how making small changes now can help you reach your retirement goals

    Understanding where you are today and where you have the potential to be is the best way to get and stay on track.

    If your employer offers a 401(k), 403(b) or other defined contribution plan with The Principal ®. log in to find your personalized score and access the planner today.

    If you don’t want to log in or you don’t have a retirement account with The Principal, you can still find out if you’re on track.

    Life Insurance Calculator

    Our life needs calculator helps you:

    • Get an idea of how much life insurance coverage you need to take care of your family
    • Learn which kind of life insurance might help you best meet your specific needs
    • Gather information to get you started putting your life insurance plan into action

    Taking the easy step today to understand your life insurance needs can help ensure your family is protected for the future.

    You use your income every day. What would happen if you became too sick or hurt to work? Would you be able to afford your top 3 expenses – typically housing, transportation and food? Find out how you can protect your everyday with the Income Protection Calculator. Simply enter in your income and expenses to get started and see how much coverage you need and how much it may cost.