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From I-64: Take I-64 towards Richmond to I-95 South. Follow I-95 South around the City and take the Franklin Street exit. Go through two stop lights, take a left on Cary Street, and then take an immediate right at the one-way parking entrance behind the Buffalo Wild Wings restaurant.

From I-95 Southbound: Follow I-95 South around the City and take the Franklin Street exit. Go through two stop lights, take a left on Cary Street, and then take an immediate right at the one-way parking entrance behind the Buffalo Wild Wings restaurant.

From I-95 Northbound: This route involves a small toll but is the simplest route from the south. Follow I-95 towards downtown and merge onto I-195 at Exit 74A. Pay the thirty cent toll and take the Canal Street Exit. Make an immediate right on 10th Street. In one block turn right on Cary Street. Follow Cary Street to 15th Street and take an immediate right at the one-way parking entrance behind the Buffalo Wild Wings restaurant.

Parking: Park in the gated section of the Canal Crossing parking lot. WorldView will provide you with a parking token when you are ready to leave.

Entrance: From the parking area, walk into the atrium of the Canal Crossing building. Once inside the atrium, make your first left, and then turn right towards the elevator. Take the elevator to the fourth floor offices of WorldView Solutions.

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21 Giu Dipendente e partita iva: doppia contribuzione INPS

Fra le richieste di consulenza che ci pervengono ogni giorno, riceviamo molto spesso una domanda, che attanaglia diversi soggetti che cercano di arrotondare il proprio stipendio con una seconda attività, ma che molto spesso hanno il timore di farlo per via delle spese piuttosto elevate: se avvio unattività e sono già lavoratore dipendente devo versare due volte i contributi INPS?

Innanzitutto per semplicità trattiamo in questo articolo il caso di un soggetto che apre partita iva nel settore del commercio o dei servizi (quindi tralasciamo lartigianato, lagricoltura, il lavoro autonomo come professionista o le società, per cui vigono delle regole particolari), per cui in condizioni normali sarebbe necessaria liscrizione in Camera di Commercio e liscrizione allINPS gestione commercianti. Quando la doppia contribuzione INPS non è necessaria?

Ci viene in soccorso& la stessa INPS, con una spiegazione molto chiara indicata in una delle pagine del proprio sito (Informazioni) che cito testualmente:

I casi nei quali è prevista la “non iscrivibilità” sono:

  • svolgimento di attività da lavoro dipendente a tempo pieno;
  • partecipazione alla realizzazione dello scopo sociale esclusivamente tramite conferimento di capitale;
  • altra attività prevalente con iscrizione alla relativa cassa/ente previdenziale;
  • iscrizione alla gestione previdenziale degli artigiani o commercianti per altra attività dimpresa.

Devono essere comunicate direttamente all’Inps tutte le informazioni relative alla modifica della posizione contributiva del titolare o del coadiuvante che non siano di interesse del Registro delle Imprese.

E, tuttavia, possibile (ma non necessario) utilizzare ComUnica nei casi di iscrizione di un coadiuvante in un momento successivo alla nascita dell’impresa.

La cessazione di una impresa può non far venir meno lobbligo contributivo per il titolare o socio che contemporaneamente eserciti la propria attività in altra impresa. Tale circostanza (che tecnicamente è denominata continuità contributiva) deve essere evidenziata sul quadro AC della ComUnica.

N.B.: Qualora, a seguito della presentazione della ComUnica, emergano delle incongruenze tali da non consentire il perfezionamento della iscrizione, la procedura emette à una lettera con la quale l’interessato viene invitato a presentarsi, presso gli uffici della Sede Inps competente territorialmente (o a contattare il numero verde 803.164), al fine di chiarire la propria posizione assicurativa.

Quindi emerge chiaramente che se si è dipendenti a tempo pieno (e consigliamo anche a tempo indeterminato, anche se non specificato), non è necessario versare due volte i contributi fissi INPS (il cui importo fisso minimo è di circa 3.200 euro lanno al momento, e costituiscono forse la maggiore limitazione allavvio di imprese commerciali), ma è possibile richiedere nella Comunicazione UNICA la non iscrivibilità, indicando il codice fiscale del datore di lavoro e la matricola INPS del soggetto che richiede la non iscrizione (nel quadro di Comunica AC/INPS).

Cè da dire comunque che in alcuni casi ci è capitato che alcuni soggetti venissero ugualmente iscritti alla gestione commercianti nonostante possedessero i requisiti di non iscrivibilità: in quel caso la stessa INPS richiede un incontro nel quale è possibile presentare la documentazione idonea e, se del caso, presentare unistanza per la non iscrizione alla gestione commercianti.

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É possibile difendersi? Come fare?

Infortunio a scuola. A chi chiedere il risarcimento?

Cosa fare quando un bambino subisce un infortunio a scuola? Ecco come riconoscere le responsabilitГ e agire di conseguenza per ottenere il giusto risarcimento danni.

ARAG SE azienda Top Welfare in Italia

La Repubblica Affari & Finanza, sul dossier n. 42 di lunedГ¬ 11 dicembre 2017, a pagina 31 pubblica i risultati dell’indagine svolta dall’Istituto Tedesco QualitГ e Finanza: ARAG SE sale sul podio nella categoria Assicurazioni del premio TOP Welfare ed inoltre si classifica tra le migliori aziende TOP Carriera.

Infiltrazioni d’acqua nell’appartamento

In caso di infiltrazioni dovute alla vecchiaia o alla cattiva manutenzione dell’impianto idraulico condominiale, la responsabilità , e quindi l’obbligo del risarcimento, gravano sul condominio.

L’esposizione del certificato di assicurazione non ГЁ piГ№ necessaria.

Le nostre autovetture sono sempre state caratterizzate dalla presenza, sul parabrezza, del contrassegno assicurativo, per attestare la regolarità della polizza RC Auto. Oggi l’esposizione del contrassegno non è più obbligatoria: è infatti avvenuta la sua “dematerializzazione”.

Chi risponde per i danni da investimento di fauna selvatica?

A chi chiedere il risarcimento se il proprio veicolo ha subito dei danni per aver investito un animale selvatico su una strada statale, provinciale o comunale? Scopri come far valere i tuoi diritti.


Trova un punto vendita

ARAG ГЁ vicino a te! Trova un intermediario nella tua zona.

In caso di sinistro

Scopri a chi puoi rivolgerti e i documenti necessari per la gestione dei sinistri.


50 anni di esperienza

Una storia che in Italia inizia nel 1965 e continua ancora oggi con te al centro della nostra attenzione.

1000 agenzie e broker

Agenti e Broker che hanno scelto ARAG come partner per la Tutela Legale. Vuoi sapere perchГ©?

Un Gruppo internazionale

Oltre 4.000 dipendenti e piГ№ di 80 anni di esperienza. Una multinazionale nata in Germania nel 1935, oggi presente in 15 paesi europei, negli Stati Uniti e in Canada.

Un network di oltre 750 avvocati e periti

Una rete di piГ№ di 750 avvocati e periti tra i quali troverai sicuramente quello adatto alle tue esigenze.

ARAG SE – Societas Europaea – sede legale D – 40472 DГјsseldorf (Germania), ARAG Platz 1 Capitale sociale Euro 100.000.000. Iscritta nel Registro del Tribunale di DГјsseldorf al n. HRB 66846 – Soggetta al controllo della AutoritГ di vigilanza tedesca Bundesanstalt fГјr Finanzdienstleistungsaufsicht (BaFin). Presidente del Consiglio di Sorveglianza: Gerd Peskes. Consiglio di Gestione: Dr. Paul-Otto FaГџbender (Pres.), Dr. Renko Dirksen, Dr. Matthias Maslaton, Werner Nicoll, Hanno Petersen, Dr. Joerg Schwarze.

Managed Infrastructure Services – Fujitsu Global

#managed #it #services #brochure


Managed Infrastructure Services

Agile IT infrastructure

Is your IT infrastructure as agile as your business needs it to be? Are you spending too much time reacting to problems rather than focusing on the future?

Fujitsu’s Managed Infrastructure Services cut costs and boost efficiency through technological innovation and a focus on high-quality service design. All along the way, these services follow Fujitsu’s lean principals, green environmental best practices and industrialized approach to technical design.

By combining Fujitsu’s unique approach to Lean methods and benefits realization, we are able to build a road map with you to optimize IT infrastructure, operations and premises. Then we link this roadmap to clearly defined business benefits that can be tracked throughout the life of the contract.

We consolidate, standardize, automate and virtualize systems utilizing appropriate cloud services and customer-owned IT to create and deliver efficient, low-cost, flexible IT around the world.

Our Managed Infrastructure Services include:

  • Data Center Services
  • End User Services
  • Network and Communication Services
  • Technical and Maintenance Services
  • Service Desk

Why choose Fujitsu for managed infrastructure services?

  • Fujitsu’s global reach enables us to deliver IT services around the world and is underpinned by one of the largest global IT infrastructures.
  • Global Delivery Centers support our customers in more than 41 languages and with a local presence in 70 countries.
  • We manage infrastructure for customers around the world and provide the assurance that, with Fujitsu, their IT operations can receive the attention to service quality consistency and security they require, where ever they might be located.
  • Our operational delivery processes are ITIL (ITIL is a Registered Trade Mark of AXELOS Limited) compliant. Our global data centers are designed and operated to Uptime Institute standards (mostly Tier III), with secure operations conform to ISO27001 as well as to various national government standards.
  • Fujitsu’s pedigree and global partnerships ensures that we retain leading edge innovative services to support your organization’s unique and complex IT challenges.

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Lap Band Surgery Information Dallas Fort Worth, Texas

#lap #band #surgery, #dallas, #fort #worth, #lap-band #cost, #procedure, #laparoscopic #surgery, #weight-loss #surgery, #silicone #band, #stomach #band, #solutions, #obesity, #obesity #surgery, #laparoscopic #procedure #information, #insurance, #surgeon, #how #much #does #it #cost,



Dr. Jay grew up in Lubbock, Texas and received his bachelor’s degree in Electrical Engineering from Texas Tech University. After a short career as a systems engineer, he went to medical school at Texas Tech University Health Sciences Center, where he obtained Honors in Surgical Research for a study on shock under Dr. Tom Shires.

Dr. Jay completed his General Surgery Residency at Oregon Health Sciences University. He was trained by Dr. Don Trunkey (world-famous trauma surgeon), Dr. Lee Swanstrom (President of SAGES, a laparoscopic society), and Dr. John Porter (editor of the Yearbook of Vascular Surgery).

One of the most experienced LAP-BAND surgeons in the nation, Dr. Nirmal Jayaseelan has performed more than 5,000 weight loss operations. Based at Medical City Dallas for the past 10 years, his practice has every resource to care for the most complex bariatric patient. Dr. Jay readily accepts complex bariatric consults from all over the world, including Mexico, Nigeria, and Barbados. He is long established in bariatrics and has been voted best bariatric surgeon in Dallas every year since the inception of the category in D Magazine.

Laparoscopic weight loss surgery in experienced hands offers the patient many benefits while keeping the risks very low. Dr. Jayaseelan has a single peri-operative mortality rate in more than 3,500 non-revisional cases. He has operated on patients ranging in age from 11 to 79, some who weighed more than 750 pounds.

Dr. Jay is also considered a foremost expert in LAP-BAND surgery. A minimally invasive surgery, 99% of his patients return home the same day and back to work in just three days. Weight loss is gradual, about six to eight pounds per month and 60 to 80 pounds per year. The band offers minimal long-term complications relative to the gastric bypass.

A major advantage of Dr. Jayaseelan’s practice is the world-class surgeons who have been covering his practice for the past 10 years at Medical City Dallas. Patients also benefit from Dr. Jay’s insistence upon patient compliance through numerous follow-up visits, support groups, and other post-operative care opportunities. Follow-up is the key to success with bariatric surgery, and this is where Dr. Jay’s practice excels. His experienced staff ensures every patient receives compassionate and individualized care. A multidisciplinary approach of nutritionists, psychologists, and former patients helps ensure success.

He is board certified by the American Board of Surgery, a Fellow of the American College of Surgeons, and a member of the Texas Medical Association and Dallas County Medical Society. He is also a member of the American Society of Bariatric Surgeons. Assisting Dr. Jay in his practice are Drs. Ronald Aronoff, Ward Lane, John Winter, and Christopher Bell.

Dr. Jay was selected one of the Best Doctors in Dallas by D Magazine in 2005, 2006, 2007, 2008, 2009 and 2010.

Webrisorse: Borsa Italiana Listino Dalla A Alla Z, www borsa italiana it azioni.

#Www #borsa #italiana #it #azioni


lunes, 23 de julio de 2012

Borsa Italiana Listino Dalla A Alla Z

Link per Borsa Italiana Listino Dalla A Alla Z

Chapter 24 – Jane Eyre By Charlotte Bronte

Descrizione: Chapter 24. Classic Literature VideoBook with synchronized text, interactive transcript, and closed captions in multiple languages. Audio courtesy of Librivox. Read by Elizabeth Klett. Playlist for Jane Eyre by Charlotte Bront�: Jane Eyre free audiobook at Librivox: Jane Eyre free eBook at Project Gutenberg: Jane Eyre at Wikipedia: View a list of all our videobooks:

Part 6 – The House Of The Seven Gables Audiobook By Nathaniel Hawthorne (chs 19-21)

Descrizione: Part 6 (Chs 19-21). Classic Literature VideoBook with synchronized text, interactive transcript, and closed captions in multiple languages. Audio courtesy of Librivox. Read by Mark F. Smith. Playlist for The House of the Seven Gables by Nathaniel Hawthorne: The House of the Seven Gables free audiobook at Librivox: The House of the Seven Gables free eBook at Project Gutenberg: The House of the Seven Gables at Wikipedia: View a list of all our videobooks:

Part 4 – The House Of The Seven Gables Audiobook By Nathaniel Hawthorne (chs 12-14)

Descrizione: Part 4 (Chs 12-14). Classic Literature VideoBook with synchronized text, interactive transcript, and closed captions in multiple languages. Audio courtesy of Librivox. Read by Mark F. Smith. Playlist for The House of the Seven Gables by Nathaniel Hawthorne: The House of the Seven Gables free audiobook at Librivox: The House of the Seven Gables free eBook at Project Gutenberg: The House of the Seven Gables at Wikipedia: View a list of all our videobooks:

Los Angeles Office for L

#it #consulting #firms #los #angeles


Los Angeles


In 1987, L.E.K. Los Angeles was the second office to open in the Americas and the first of the firm’s two West Coast locations. Originally focused primarily on clients in L.A.’s entertainment sector, the office now advises U.S. and global clients across L.E.K.’s core industry expertise, helping them achieve excellent results and create measurable long-term value.

Our Specialties

L.E.K. Los Angeles works as part of an integrated system with our other U.S. offices in Boston, Chicago, New York and San Francisco, working to help our clients develop the insights to achieve exceptional results. We also coordinate and collaborate closely with our São Paulo, Brazil office (opened in 2013) and other L.E.K. offices around the globe.

We help our clients achieve their strategic goals by:

  • Developing successful and actionable growth strategies
  • Evaluating and providing due diligence on potential investments
  • Activating corporate strategy
  • Providing strategic market insight for existing or new markets
  • Turning around and improving business performance
  • Optimizing business portfolio performance
  • Completing commercial due diligence

While we work across numerous industries, we offer particularly deep industry experience and innovative thinking for clients in the following sectors:

  • Aerospace Defense
  • Aviation Travel
  • Biopharma Life Sciences
  • Consumer Products
  • Energy Environment
  • Healthcare Services
  • Industrials
  • Media Entertainment
  • MedTech
  • Private equity
  • Retail

Our Culture

L.E.K.’s Los Angeles office is situated in Westwood Village, near the UCLA campus, shopping centers and cafes. The office overlooks panoramic views of the ocean, mountains, the legendary Hollywood sign and many other cultural and sports attractions.

The Los Angeles office actively volunteers at the Ocean Park Community Center. Each year, employees assist the center by volunteering at the Los Angeles Marathon, preparing meals for the homeless and by hosting a holiday drive for children in foster care.


Complete Systems Design Information Technology Solutions IT consultants effective office computer support including network upgrades, server installations, maintenance and support

#complete #systems #design #information #technology #solutions #it #consulting, #systems #support, #it #contracting, #systems #consulting, #computer #systems #consulting


Complete Systems Design Information Technology Solutions IT consultants effective office computer support including network upgrades, server installations, maintenance and support. Serving Los Angeles

Office and Business Networking Support and IT Consulting Services

Complete Systems Design’s IT support group will research your environment and present the best choice of solutions based on your requirements while working within your budget. Our extensive experience and continuous evaluation of new products, brands, models and cutting-edge solutions ensures that your company gains the maximum return on its investment with every solution we implement. We take pride in our work and will not offer systems we cannot stand behind. Your satisfaction with our IT services ensures our long term relationship.

Our IT support staff offers a unique systems consulting service. While most computer consulting firms push hardware products they sell at a significant mark-up as part of their consultative service, CSD stands out from the rest by offering recommendations on the most reliable and effective products for your customized solution and encourages bidding from your preferred vendors. We can recommend vendors and will offer our considerable experience to negotiate better pricing on your company’s behalf. By offering our network consulting service with no equipment overhead, our outsourced IT support team brings immediate savings for your company.

Complete Systems Design’s systems consultants implement solutions for email antivirus protection and virus removal as well as antispam protection and spam blocking. Our professional network support includes data archiving and data backup solutions, business continuity planning (BCP) and disaster recovery planning (DRP). Complete Systems Design’s IT firewall consultants can help ensure internet reliability and with internet failover and uninterruptable power supply solutions and power planning.

Our systems migration consulting team is experienced in data migration planning should your server environment and network environment be passed its prime. Server migrations, office moves and office relocation planning can ensure minimal downtime. CSD’s migration experts can assist with email server migrations and email server installations which include exchange server installation and exchange server maintenance. File server hardware upgrades and file server operating system upgrades may necessitate your file server migrations and email server installations but our information systems consulting company also excels in file server maintenance. Firewall and internet security installs are frequently critical components of any server installation or office moves. CSD can offers complete IT outsourcing as well as supplemental IT support consultants and IT systems consulting.

Areas we support include: Greater Los Angeles, Brentwood, West Los Angeles, Santa Monica, Culver City, Pacific Palisades, Malibu Beverly Hills, Hollywood, North Hollywood, Pasadena, South Pasadena, Sherman Oaks, Burbank, Covina, Commerce City, Eagle Rock, Encino, Glendale, San Fernando, Silver Lake, Studio City, Vernon, Alhambra, Monterey Park, Arcadia, Van Nuys, Northridge, Monrovia, Torrance, Gardena, Orange County, Irvine, Dallas, Tucson, Hartford, Danbury, Stamford, Germany, Singapore, China and Thailand.


Annunci Vendita Auto – Auto Usate e Nuove su Bakeca, subito it auto usate in tutta italia. #Subito #it #auto #usate #in #tutta #italia

Annunci Auto Usate e Nuove in Italia

MINI Mini 1.5 One D Boost 5 porte + NAVI rif. 8972314

2017 · Mini · Mini · 13.600 km

NISSAN Murano 2.5 dCi Tekna rif. 9420055

2011 · Nissan · Murano · 163.000 km

SUBARU Forester 2.0XS Exclusive*Unicoproprietario rif. 8673260

2012 · Subaru · Forester · 109.000 km

LANCIA Ypsilon 1.2 5 porte Platinum KM 77.000 CERTIFICATI rif. 9202458

2012 · Lancia · Ypsilon · 77.000 km

FORD Fusion 1.4 TDCi 5p. rif. 9429054

2005 · Ford · Fusion · 118.000 km

Metti in evidenza i tuoi annunci con Bakeca Business

LANCIA Delta 2.0 MJT DPF Gold rif. 9099729

2011 · Lancia · Delta · 157.000 km

FIAT Punto Evo 1.4 5 porte S&S Dualogic Dynamic rif. 9188638

2012 · Fiat · Punto Evo · 79.000 km

Alfa Romeo Brera 3.2 JTS V6 Q4. Auto introvabile e di interesse collezionistico.

2006 · Alfa · Brera · 82.000 km

NISSAN Qashqai 1.6 dci xtronic TEKNA

2016 · Nissan · Qashqai · 20.000 km

Daihatsu Terios suv compatto 4×4

2003 · Daihatsu · Terios · 107.784 km

AUDI A5 2.0 TDI 177 CV quattro S-line rif. 9252289

2014 · Audi · A5 · 86.000 km

Acquisto auto in Fermo amministrativo,pagamento immediato

2002 · Qualsiasi marca e tipo · 200.000 km

DODGE JOURNEY 2.0 CRD R T Interno in Pelle Cruise Control 2XClima Sedili Ri …

2010 · Dodge · 18.000 km


2004 · Volkswagen · Golf Plus · 300.000 km

KIA Sportage 2.0 CRDI VGT AWD Feel Rebel

2014 · Kia · Sportage · 86.000 km

Fiat 500 1.3 Multijet 75 CV – Diesel

2008 · Fiat · 500 · 111.000 km


2005 · Opel · Agila · 25.000 km

Nissan juke 1600 benzina/GPL

2012 · Asia · Altro modello · 77.000 km

Vendo bellissima smart roadster cambio volante

2004 · Smart · Roadster · 56.000 km

Toyota Hilux 2.4 D-4D 4WD 4 porte Double Cab Comfort

Toyota · Altro modello

OPEL Insignia ST 2.0 cdti Cosmo I 2008 Sports Tourer rif. 9428772

2009 · Opel · Insignia · 118.301 km

Chevrolet Spark 1.0 LS

2011 · Chevrolet · Spark · 125.000 km

Suzuki Gran Vitara

2008 · Suzuki · Grand Vitara · 120.000 km

MERCEDES-BENZ 250 C SW d (BT) Premium 4matic auto Classe C – S205 S rif. 9 …

2016 · Mercedes · 250 · 35.072 km

Volvo XC60

2012 · Volvo · Xc 60 · 175.000 km

Che cos’è un Alert

L’alert è un servizio gratuito che ti permette di trovare comodamente quello che desideri, ricevendo via email tutti i nuovi annunci corrispondenti alla categoria di offerta che ti interessa. Un modo semplice e rapido, per rimanere aggiornati senza dover reimpostare ogni volta i tuoi criteri di ricerca.

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Vendita auto usate, automobili

Questa sezione dedicata alla vendita di auto usate e auto a km0. Consulta gli annunci gratuiti su Bakeca e troverai tante auto economiche! Cerca subito la più adatta a te.

Start Up Loans How It Works – Start Up Loans #consolidation #loan #rates

#startup business loans

How It Works

Do you have a great business idea, or have you been trading for less than 24 months? Are you looking for finance and support to help develop your business? If you answered yes, then a government-backed Start Up Loan could help.

STEP 1 – Register Online

The first step is to check that you are eligible, and if so, to get in touch with us by filling out our quick online registration form . giving us some basic contact information.

STEP 2 – Make a Business Plan

Once you have registered, a member of the Start Up Loans Company, or a Delivery Partner representative, will contact you to discuss the next steps. You will work with a Business Advisor who will provide guidance on your business plan and cash flow. The more prepared these documents are, the better, as they will form the basis of your loan application. There are free templates available on our website.

STEP 3 – Complete Your Application

Once your business plan and cash flow forecast are completed, your Delivery Partner will then put forward your application to be considered for funding. You will never be charged to make a Start Up Loan application. Not by us. Not by our Delivery Partners.

STEP 4 – Get Going

If your application for a Start Up Loan is successful, you will be able to access exclusive business offers including discounted website design, free accounting software and free legal advice.

You will then start to repay your loan. You are required to pay back the loan within 1-5 years, and there is no early repayment fee. The exact term will be agreed with your Delivery Partner as part of your application process.

STEP 5 – Meet Your Mentor

After receiving funding from the Start Up Loans Company you will be offered a mentor who is on hand to help your business succeed. You will likely have a lot of questions that need answering and decisions to make, and a mentor can provide guidance and support to help you grow and develop your business.

Interested in a Start Up Loan?

Know When it Makes Sense to Consolidate Student Loans – US News #pay #day #loans

#consolidated loans

Know When it Makes Sense to Consolidate Student Loans

Consider the type of loan you have and your repayment history before seeking consolidation.

Gone are the days when it was generally a good idea for most federal student loan borrowers to consolidate their loans. The student loan world has changed significantly, eliminating two of the biggest benefits of consolidation.

First, most federal loans previously featured variable interest rates. These rates changed annually, so consolidation allowed borrowers to lock in historically low numbers. In July 2006, interest rates on new loans became fixed. Because consolidation interest rates take a weighted average of the underlying loan rates, borrowers no longer automatically get a lower rate by consolidating.

Second, in the past, it was common to have your federal loans held by multiple servicers. By consolidating, borrowers could pay one servicer instead of many. Now, most borrowers pay all their loans under one bill from the start, thanks mostly to efforts on behalf of the Department of Education.

With these benefits removed, borrowers may be wondering if consolidation is even worthwhile. For many, the answer is, not really. However, it can still be a useful tool for some. Here are some situations where it can make sense to consolidate student loans.

1. To o btain access to forgiveness or repayment benefits: Student loan regulations and laws are complicated, but sometimes that can work to the borrower’s benefit. This is true when it comes to consolidation, Parent PLUS loans and Public Service Loan Forgiveness.

While Parent PLUS loans are technically eligible for PSLF. it’s hard for borrowers to take advantage of this benefit. A borrower must make 120 payments under either a standard 10-year, income-based, income-contingent or Pay As You Earn payment plan to qualify for PSLF.

The catch is that Parent PLUS loans are not eligible for the three income-related payment plans. and a borrower paying under a standard repayment plan will have nothing left to forgive after 120 payments.

If you consolidate a Parent PLUS loan under the Direct Loan program, however, it becomes eligible for income-contingent repayment and therefore has the potential to be eligible for PSLF. If the borrower wouldn’t otherwise be eligible for PSLF, having access to this option could make payments much more manageable, especially if the borrower still owes money when he or she retires.

On a related note, as only Direct Loans are eligible for PSLF, borrowers with older Federal Family Education Loan Program loans can use consolidation to transfer those loans ​into the Direct Loan program to gain access to PSLF.

Consolidation can work the other way too, especially when it comes to Perkins loans. Many unique forgiveness opportunities available to Perkins loans are lost when they are consolidated, so make sure you do your research before taking this step.

2. To obtain a lower payment : While income-related payment plans provide much needed relief for many, those lower payment amounts may still be too high to manage. For those borrowers, especially those with lower loan balances, extending the term of the loan through consolidation may actually yield a lower payment than some other repayment options.

This calculator can help weigh all of those options at once. Just remember that the longer you take to pay the loan, the more you will pay in interest.

3. To manage private student loans: The benefits of student loan consolidation have increased when it comes to private student loans. While it is generally not advisable to consolidate federal loans ​with private loans since you’ll lose the federal benefits, consolidating your individual private loans may make sense.

There’s been a significant increase in lenders offering a private loan consolidation product. increasing the competitiveness of these products. Borrowers can often find a lower interest rate and more favorable terms, especially if they have a good payment history on their existing private loans to date.

At the very least, private loan consolidations can extend the term of your loans, lowering the payment. As we’ve discussed in the past. private loans have very few lower payment options. so consolidating to a longer term with a lower payment can sometimes be the only option available.

If you have good credit and payment history on the loans you want to consolidate, this can also be a way to release the co-signer​ from responsibility of those underlying loans. The co-signer will not automatically transfer to the new loan product, so if you do still require one to consolidate, you’ll need to find a new one, or ask your existing co-signer​ to re-up his or her commitment.

4.To get out of default: If you’ve defaulted on your federal student loans, consolidation is the fastest way to get the loan out of default. Consolidation is not as beneficial as loan rehabilitation, as consolidation doesn’t remove the default from your credit history. However, if you’re not eligible for rehabilitation or can’t take the time to complete that process, consolidation can get your loan back in good standing.

A good place to start to determine the pros and cons of consolidation will be your student loan holder, which will have a good understanding of how consolidation will benefit – or not benefit – your particular situation.

Housing Loan Calculator – Making Sense Out if it #military #auto #loans

#housing loan calculator

Housing Loan Calculator Making Sense Out Of It

Posted on January 2nd

When you are purchasing or refinancing a house, you will inevitably come across a housing loan calculator (also known as mortgage calculator). It is commonly used by mortgage bankers to help illustrate the details of a housing loan for you to more easily understand the whole deal. A proper housing loan calculator will help you plan you personal finances accordingly so that you can repay the property loan comfortably. It illustrates your  payments showing an amortized schedule breakdown.

A proper relevant Singapore home loan calculator should allow you to input your loan quantum amount, term or tenor, home loan interest rates for at least the initial 5 years. When you key in these figures into the Singapore mortgage calculator, the information you are looking for should then be tabulated in a table for you to scrutinize.

The mortgage loan calculator can be confusing especially if it is the first time you are trying to make sense of it. These are some of the terms that you should have a better understanding.

Housing Loan Balance

The first thing to note is the principal amount. If you are applying for a mortgage refinance, this amount is the original loan amount that is still outstanding. It can also be called the amount financed by the lender. For a new home purchase, this is the amount that you are borrowing. For mortgage refinancing, this is the amount that is outstanding on your current housing loan.

Rate of Interest

One of the critical factors in determining monthly payments is the interest rate. This can cost you tens to hundreds of thousands of dollars over the course of the loan. Origination fees are fees added to the principal balance of the loan in exchange for a lower interest rate. This is generally not a good idea because this fee can never be recovered regardless of when you pay off the mortgage.


The loan tenure is the duration of the loan usually described in number of months. A 15 year loan tenure is equivalent to 180 months.

Taxes And Insurance

Mortgage calculators can calculate and show the total costs that you will have to pay. It can show taxes, home insurance, and other related costs expected to incur for the duration of the housing loan. The mortgage breakdown can be illustrated and calculated with or without this information.


The results of the calculator can be illustrated in a table for you to easily observe the details of the housing loan. An amortization schedule will show your payments in future and the outstanding loan amount in the future. This information helps you to also see the interest you will pay over the whole period of the housing loan.

Interest And Principal Portion

The monthly payments that you will see generated by the housing loan calculator will show how much of the payments are for interest and how much are for principal payments. This can show you the outstanding principal at different periods of the housing loan. It can also help you better understand how interest charges are calculated.

Monthly Installments

When annual interest rate changes, the monthly installment commitments should be adjusted accordingly. This is where you will also see adjustments to the repayment on principle and interest portions that the payments are made to.

Cumulative Interest Paid And Outstanding Amount

This is where you will see the accumulated total interest paid and the outstanding principle amount owing at any point in future. Cumulative interest paid will only increase over time, while outstanding principle amount owing will decrease. At the end of the data generated by the Singapore housing loan calculator, the outstanding principle owing will be zero.

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Hard Money: What is it and How do Hard Money Loans Work? #calculate #loan #payment

#hard money loans

Hard Money: What Is It and How Do Hard Money Loans Work?

Most real estate investors hear terms that they don t understand in the beginning. One of these terms, hard money. is little understood, and frequently asked about. Here is a great explanation of hard money.

What Does Everyone Mean by Hard Money? What is Hard Money

Hard money lenders (HMLs) are typically private individuals or small groups that lend money (Hard money) based on the property you are buying, and not on your credit score. Usually these loans cost (percentage-wise) much more then an average mortgage. often times up to twice what a regular mortgage does, plus high origination fees.

Who Needs Hard Money

Developers and house flippers, amongst others, will use it to fund deals because you can often borrow up to 100% of your purchase price! On the other hand, hard money lenders will frequently require you to back up your loan with real assets. If you know you can buy a property and turn it quickly at huge profit, and you can t get a standard mortgage, it might be one way to go. Some investors use hard money to get into the property, do some quick fixes to raise the property value, then get a new loan (based on the property s new, improved value) from a bank to pay off the hard money lender.

In Other Words.

Hard money loans are easily accessed and cut through the red tape. If you can develop a relationship with a LOCAL hard money lender, you can get funds within a couple days, and sometimes with no appraisal or other costs (except for origination fees of course).

Now different HML s have different requirements and protocol. There is a local HML that only charges 12% interest and 1 point origination if you keep it over a year and 2 more points if you keep it less than a year. He only does 30 year notes, and obviously he wants you to keep it. He has over 1100 notes, so he doesn t want the hassle. He wants his money to stay loaned out. I have also worked with another local HML who doesn t charge any points, but he s extremely fickle and can be hard to work with.

Now the typical HML will charge somewhere right around the usury rate. In Texas its 18% annual, so most HML s will charge 5% origination and 13% interest on a 1 year note or no points upfront and 18% interest with a shorter call. Now they can get around usuary by shifting their origination fee into a commitment fee (little different protocol), but most HML s don t know this.

The beauty of HML s is that the loan is normally not based on your credit score (especially with local lenders) or at least not on your credit worthiness (assets and income), you can receive funding within a matter of days (normally about 7-14 days) rather than 30 days+, and you can get a loan on any piece of junk that you find. You also are not normally dealing with a processing team. You deal directly with an individual lender. If he or she says yes, then you have the loan. This is quite advantageous versus going through an entire loan committee process or underwriting process.

HML s on longer term investments are not a good idea, but for short term flips, rehabs, or for the initial purchase, they can be a very strong tool. I started my investing using HML s, and have made very good money using them. I now use mostly a line of credit from the bank, but it took me several years to work into that. I also now do some local hard money loans to other investors.

Thanks to Ryan Webber for his explanation in other words (from our forums )

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Emergency Financial Aid – What it is and Where to Get it #rural #development #loan

#emergency loan

College Emergency Financial Aid

Are You in Need of Serious Help?

Preparing for college takes serious financial planning. Most students rely on a carefully balanced combination of scholarships, grants, loans and personal savings to meet their college tuition costs. Unfortunately, no amount of planning can guard against every contingency, and there are times when a student s financial circumstances can suddenly change. A major illness, the loss of a job, or a family tragedy can all derail a student s college career. Not only emotionally, but financially.

When financial circumstances take a turn for the worse, many students feel they are left with only one option. Leaving school, and abandoning their dreams of a college education. However, there are financial aid programs available that can help students in difficult circumstances hang on to their college ambitions, and ride out the current financial storm. These emergency financial aid programs exist to help students recover from unexpected financial difficulties, and to avoid the last resort of abandoning a promising college career.

Emergency Financial Aid

Emergency financial aid for college students comes in a variety of forms, and addresses a number of different circumstances. Keep in mind, this is aid for students in extreme circumstances, or in a time of crisis. It does not apply to students who have not adequately planned for their financial needs.

Emergency financial aid may come in the form of short-term loans or grants designed to help students remain in school when the completion of their college education is threatened by financial circumstances that are out of their control. Whether it s a death in the family, a sudden major illness or the loss of reliable income, quitting school may not be the only option.

If you are a college student facing a financial crisis, try not to panic. Remember the importance of your college education, and how hard you have worked to get to where you are. Before you consider quitting school, consider the emergency financial aid opportunities that may be available to you.

How Emergency Student Aid Works

Emergency financial aid can take a variety of forms, including tuition waivers, financial aid advances or small personal loans. These measures are designed to help students avoid an interruption in their college studies due to an unforeseen emergency. The most common situations that may lead to a student s eligibility for emergency financial aid include:

  • a sudden health emergency
  • unexpected loss of income
  • death in the family, or other family emergency
  • rent in arrears, and risk of eviction
  • natural disaster

Emergency aid is only available in extreme circumstances, and students will be expected to meet stringent criteria in order qualify. Typically, applicants must be full-time students, with an acceptable minimum GPA. Students applying for emergency aid will also be required to provide adequate documentation of the crisis leading to their need for emergency funds.

Students considering emergency financial aid should understand that these programs offer limited help. They are only a stop-gap in a crisis, not a secondary form of college funding.

College Resources

Colleges and universities often offer emergency financial aid to students in good standing who are facing an unexpected financial crisis. As with any campus-based financial aid, emergency aid programs will vary from school to school, and will be subject to available funds. Students who have found themselves in extreme circumstances should visit their college s financial aid office to find out what types of emergency aid is currently being offered.

The following examples are typical of the types of campus-based emergency financial aid available to college students in crisis.

  • Ithaca College in New York State offers two forms of emergency aid. Students who are facing a financial shortfall may request an Aid Advance on any expected grant or scholarship payouts. In other words, if a student has scholarship or grant money forthcoming, and will have a credit balance after all tuition fees have been paid, the college may provide an advance on that balance to be used for unexpected expenses.Ithaca also offers the Ebsary Loan for students in extreme circumstances. This is an interest free loan that must be repaid by a specific date, and can not be bundled with any other outstanding student loans.
  • Rackham Graduate School at the University of Michigan offers two emergency aid programs for its resident graduate students. The Rackham Graduate Student Emergency Fund provides up to $2500 in emergency financial aid to students who encounter a crisis situation or unforeseen expense. Applicants must supply a detailed statement describing the nature of the emergency, a budget detailing the amount of funds required, and a letter of support from their department head or the dean of admissions.Rackham Graduate School also administers the Center for the Education of Women Critical Need Grant for undergraduate and graduate students, including parents and returning female students who are faced with unexpected financial challenges.
  • Pasadena City College offers campus-based Short-Term Emergency Loans to its enrolled students. Loans are available for unexpected expenses, books and supplies. Loans are typically processed within 24 48 hours, and must be repaid with 30 days.
  • Austin Community College supports a campus-based Student Emergency Fund for currently enrolled students. Circumstances covered include loss of housing due to natural disaster, sudden significant medical expenses and death in the family. To be eligible, students must have completed at least 15 credit hours, and must have a minimum 2.0 GPA. Maximum awards are $500 per student, and are not renewable.
  • The University of California-Berkeley supports a number of Emergency Loans for both undergraduate and graduate students. These short term loans are available to students in good standing who are faced with sudden, and unforeseen, financial need. Students who meet the stringent eligibility requirements may receive between $775 and $1300 in emergency funds. Loans are interest free, and are due within 60 days of disbursement.

Many colleges and universities will also offer tuition waivers and fee deferments for students who face an unexpected financial crisis. Students are encouraged to contact their college s office of financial aid for details on programs which may benefit them in an emergency situation.

The Dreamkeepers and Angel Fund

The Dreamkeepers and Angel Fund for Emergency Financial Aid is supported by the Lumina Foundation for Education, and is administered at more than 30 community colleges across the country. The program was designed to help students avoid dropping out when faced with unexpected financial difficulties. Situations covered by this program include childcare, healthcare, housing and minor car repairs.

To be eligible for Dreamkeepers Emergency Financial Assistance students must have completed a minimum of 15 credit hours at a participating community college, and must be in good academic standing. Students must submit a statement detailing their need for assistance, and will be expected to provide documentation of their financial need. Students who meet the programs requirements will be eligible for up to $1000 in financial assistance.

The Dreamkeepers and Angel Fund is currently administered at 37 community colleges across the country, and students facing a sudden financial crisis should contact their school s office of financial aid to learn whether or not their college participates in the program.

Private Lender Emergency Loans

As a last resort, students who are facing an unexpected financial crisis may wish to consider a short term loan from a bank or other private lending organization. Short term private loans can help students avoid dropping out of college, and stay on track for graduation. However, as with all private lender loans, students should not enter into any loan agreement lightly. Borrowing from a private lender, even in small amounts, should be a last resort when all other financial aid possibilities have been exhausted. Remember, private lender emergency loans will have higher interest rates than standard student loans, and are likely to have very stringent repayment terms. As always, use caution when considering any private lender loan.

Students faced with a sudden family emergency, or an unexpected financial crisis, may feel that dropping out of college is their only option. However, there are programs in place designed to help students in exactly these circumstances. If you are faced with an unforeseen financial crisis, contact your financial aid adviser and discuss your situation. There may be financial aid assistance available that can help you avoid any unwanted interruption in your college education.

How it Works: Illinois #low #apr #loans

#short term loans bad credit

Why Choose

  • Avoid costly late fees, overdraft fees, service cancellations
  • Bad/No Credit? No Problem!
  • Fast, friendly service

At Short Term Loans, L.L.C. we know that you canпїЅt plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.

How It Works – Illinois is licensed to make loans to Illinois residents. If you reside in a state other than Illinois, and submit a loan application on our site, we transfer your loan application into a referral form and share it with third party lender networks. If you are accepted by a lender in that network, the lender will contact you directly by email or phone. You will need to fill out their application and they will provide you with their loan terms including APR and repayment terms.

Payday Loans

A Payday Loan is a short term cash advance that can help you cover bills, car repairs, medical bills, or any other unexpected expense until your next payday. Avoid costly returned check fees, overdraft charges, and late fees by getting a payday loan today.

Installment Loans

An Installment Loan from Short Term Loans can also help you get cash fast for unexpected expenses or any other need while allowing you to pay the loan back over time in manageable payments. makes it simple and hassle free to get the cash you need from the comfort and convenience of your own home.

HereпїЅs how:

  1. Apply Now by completing our easy and secure online application*
  2. Retrieve your email approval in minutes
  3. Money is deposited in your account the next business day


Loans approved before 6:45 p.m. CST will be funded the next business day.

Loans approved after 6:45 p.m. CST will be funded the second business day.

Loans approved after 6:45 p.m. CST on Thursday and before 6:45 p.m. CST on Saturday will be funded on Monday.

NYSLRS – Loans: Getting One and Paying it Back #10000 #loan

#loan application


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Why it – s miles cheaper to avoid the banks when buying a car. #auto #loan #rates

#cheapest car loan

Why it’s miles cheaper to avoid the banks when buying a car

WITH car sales falling off a cliff, there’s never been a better time to buy a car. The number of new cars sold in Ireland last year was a third the number sold in 2000, when the Celtic Tiger was alive and well. The industry is on its knees as a result – so you’ve a better chance of getting a bargain.

“It’s definitely a buyer’s market,” said Conor Faughnan, director of policy with AA Ireland. “You can push the car dealer on price, particularly if you’ve got the cash to do a deal.”

Cash of course is the cheapest way to buy a car – but not many of us have the luxury of having the cash to buy a car outright. Chances are, you’ll have to borrow to buy your dream set of wheels. Choose the wrong car finance however and you could pay as much as €6,000 more for your car than you would have, had you borrowed the money elsewhere.

You usually have two choices of car finance – a hire purchase agreement, where you pay monthly repayments for the hire of the car, or a car loan. You’ll typically be offered hire purchase if you go to a dealer; while a bank will usually offer you a loan.

The Sunday Independent examined the car finance offered by AIB, Bank of Ireland, Danske Bank, Permanent TSB and Ulster Bank as well as the hire purchase deals offered by a few dealers. We found that hire purchase can work out a lot cheaper than a loan – but only if the interest rate is lower than 9 per cent and there are no hidden charges lobbed on top of that.


Up to €2,350 more expensive at the bank

If borrowing €10,000 to buy a car, one of the cheapest ways to do so is through hire purchase with Renault Finance.

If you’re buying a Renault Megane (Coupe, Hatch or Grand), Renault Finance offers interest-free hire purchase of up to €11,000 as long as you pay off the money borrowed over three years – and pay a 30 per cent up-front deposit off the price of the car.

If you’re not interested in a Megane, but have another Renault in mind, you could borrow €10,000 from Renault Finance at an interest rate of 4.9 per cent under hire purchase – as long as you can stump up the 30 per cent deposit. Under that rate, the monthly repayments are €185 over five years – and the cost of your credit, including interest and fees of €150, comes to €1,250. That’s up to €2,350 cheaper than the banks.

If you’re buying from a BMW dealer, BMW Financial Services charges 7.95 per cent interest under HP if you’re borrowing €10,000. The monthly repayments over five years are €198.67, which brings the cost of your credit to €1,920 – almost half what some banks charge. You don’t have to pay a deposit to get the 7.95 per cent interest rate.

Our survey found that Bank of Ireland is the most expensive for car loans. It charges 13.6 per cent interest on a fixed-rate loan of €10,000. Under that rate, your monthly repayments over five years are €226.82 – which brings the cost of your credit to €3,609.

Bank of Ireland will knock off 1 per cent from your interest rate if you get your loan online – but even with that discount, its €10,000 car loans still work out more expensive than those offered by AIB, Danske Bank, and PTSB. Ulster Bank is the second most expensive for a €10,000 car loan. Ulster charges 12.3 per cent interest – which clocks up to €3,238 after five years.

Permanent TSB offers the cheapest €10,000 car loan. Permo charges 9.9 per cent interest, which will cost you €2,595 after five years.

Check if your bank offers hire purchase as that may work out cheaper for you than a car loan. Bank of Ireland charges 10.5 per cent interest on €10,000 borrowed under hire purchase, which brings the cost of your credit to €2,756.40 after five years – about €800 cheaper than the bank’s fixed rate loan.


Up to €5,731 more expensive at the bank

If buying a Renault, Renault Finance should work out a lot cheaper than your bank. It costs €3,510 to borrow €30,000 over five years under Renault’s 4.9 per cent interest rate for hire purchase – but again, you need a 30 per cent deposit to get that rate.

If you don’t have the 30 per cent deposit, you’ll be charged 6.9 per cent interest – which is still cheaper than the banks.

It costs €6,068 to borrow €30,000 over five years under BMW Financial Services’ hire purchase plan – which charges 7.95 per cent interest.

Borrow the €30,000 through Bank of Ireland’s variable loan however, and you’ll pay €9,241 in interest over five years – between €3,173 and €5,731 more than the hire purchase offers we examined. Bank of Ireland charges 11.7 per cent interest on this loan – which makes its variable loan the most expensive of the €30,000 car loans examined.

Danske Bank’s variable loan is also expensive. Danske charges 11.47 per cent on a variable loan of €30,000, which will cost you €9,054 after five years.

The cost of Permo’s €30,000 car loan, which has an interest rate of 9.3 per cent, adds up to €7,277 after five years. The hire purchase offers from Bank of Ireland and AIB worked out cheaper than Permo’s loan however.


Up to €6,192 more expensive at the bank

One of the cheapest ways to borrow €60,000 is through hire purchase with BMW Financial Services. You’ll pay 7.95 per cent interest on €60,000 and this will cost you €12,290 after five years. Get a €60,000 variable loan at 11.7 per cent from Bank of Ireland however, and you’ll pay €18,482 interest after five years – about €6,200 more.

Avoid Danske Bank’s variable loan – it charges 11.47 per cent interest on €60,000, which will cost you €18,107 after five years.

At 9.3 per cent interest, Permanent TSB’s car loan was the cheapest €60,000 bank loan surveyed. The cost of that loan came to €14,555 after five years.

Bank of Ireland’s hire purchase however works out cheaper than Permo’s car loan. The cost of borrowing €60,000 under Bank of Ireland’s hire purchase over five years adds up to €13,515.


If you own your own business and you’ve no desire to own a car outright, leasing could work out cheaper for you in the short-term.

For example, it could cost you €29,560 to buy a Toyota Avensis diesel saloon. If you lease it for five years from Merrion Fleet Management, your monthly repayments come to €512.67. These repayments include the cost of maintenance such as road tax, servicing and tyres. By contrast, the monthly repayments for a €30,000 bank loan over five years range between €619 and €654 and these repayments don’t include costs such as road tax and servicing.

The cost of leasing a car will however add up over time. After five years, the monthly repayments for the lease of the Toyota Avensis add up to €30,760 – and you won’t own your car but must hand it back to the leasing company at an agreed time. As long as you meet the repayments on your car loan or hire purchase agreement, you’ll own your car.


You need to understand everything about a hire purchase agreement before you sign up to it, warns Dermott Jewell of the Consumers’ Association of Ireland.

The main advantage of a loan over hire purchase is that you can sell your car to repay the loan should you fall behind on your repayments. You can’t do this with hire purchase. As a result, you’re more likely to have your car repossessed under hire purchase than a car loan. With hire purchase, you don’t own the car until the final payment is made.

“The inability to pay later has given rise to significant debts when devalued cars are repossessed, sold for small market value and leaving unmanageable balances to pay,” said Jewell.

Irish Independent

More in Business

‘Nama is playing a part in solving homelessness’ – Minister Kelly

What Is Home Equity? What can you Use it For? #pay #day #loans

#home equity loan

What is Home Equity?

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

Home equity is your share of the value of your home. It’s what you truly own and have an interest in. When calculating your net worth and getting a loan, home equity is important to understand. It’s not always easy to use home equity, but it’s still an asset.

An Example

Assume you bought a house for $200,000, made a 20% down payment. and got a loan to cover the rest. In this example, your home equity interest is 20% of the home’s value: the home is worth $200,000 and you contributed $40,000 – or 20%. You own the home, but you really only own $40,000 worth of it.

It might be easier to think about home equity in terms of what you owe instead of what you’ve contributed. Prices change over time. You can figure out how much home equity you have by subtracting any money you owe from the home’s value.

The home is worth $200,000, but you owe $160,000. The loan balance is 80% of your home’s value, so the remaining 20% is your home equity.

Now assume your home’s value doubles (unlikely, but it’ll keep the numbers simple). If it’s worth $400,000 and you still only owe $160,000, you have a 60% equity stake. Your loan balance hasn’t changed, but your home equity increased.

Building Home Equity

As you repay your home loan, your home equity generally increases. With each monthly payment, you pay a little bit of interest and you reduce your loan balance.

Continue Reading Below

Over time, more and more goes towards your loan balance – increasing your home equity interest at an increasing rate.

As the previous example showed, you can also increase equity if the value of your home increases.

What is Home Equity Used For?

Equity is an asset, so it’s a part of your total net worth. You can spend it someday if you need to. You might use it to buy your next home, to fund your retirement, or to pay for a child s education. It’s a large and important asset, so choose wisely.

When you get a second mortgage, you borrow against your home’s equity (second mortgages are also known as home equity loans ). It’s nice to have a large pool of money to draw from, but home equity loans can be dangerous. Your home serves as collateral for these loans. If you can’t repay, your lender can potentially foreclose and you d lose your home.

In the 2008 mortgage crisis, some people found that they relied too heavily on home equity: as equity increased, borrowers withdrew as much of it as they could in the form of cash. Unfortunately, equity from price appreciation can evaporate just as easily as it materializes. It s risky to scrape out as much as you can from your home s value.

Quick Loan Alternative in 15min: How It Works #private #loans #for #college

#quick loans

How to get a quick loan

How to get a quick loan online?

Quick loans are available through a variety of lenders online. Many lenders, like Sunny, allow you to speed up the process by filling in your application on their site. The form is sent off instantly and your decision is back in no time – sometimes in less than 4 minutes. After you are approved, most online lenders can directly deposit your cash into your bank account.

Why is online a fast way to get a loan?

Every unnecessary step is removed when you get a loan online. No going to the individual office or bank. No interview. No waiting for a cheque in the mail or picking up an envelope of cash – there is barely a delay to speak of for your direct deposit. Your research for comparison and your decision can fall in the same short period. And most often, if you’re looking for some quick quid, you need it today, not tomorrow. Online lenders are a great choice when you have an urgent need for funds.

How do quick loans work?

Quick loans offered online work by quickly getting your information only to the people who need it, without waiting periods. The lender’s website lets you pick how much you want to borrow, how many instalments there are and how long they’ll last, and view how much you are going to pay each time with no confusion. After you provide your information in the on-screen application, online lenders can run a speedy credit history check and other background checks, deciding whether to approve it. Once your money has been wired, it’s easy to withdraw it directly from your account. You’ll usually be able to keep track of payment dates via their site or by email updates, and set up direct repayment back to the lender to ensure you never miss a payment.

How do I choose the right fast loan?

With so many fast loan companies out there, it’s important to compare your various alternatives to find the loan that best suits your personal needs. When it comes to emergency expenses, you often need to make financial decisions very quickly, and making a well-informed decision is essential to your financial stability. Consider every aspect of the loan. Will it allow you to pay back early without penalty? Will it allow you to adjust payment dates as you go along? Do you need to reapply every time you take out another sum? And most importantly in this case, how quickly will you get the cash? Scrutinizing lenders’ websites for information like this will help you find the best loan for you to work with.

Sunny’s quick loans

We believe in transparency and honesty to make a difficult time and difficult decision as stress-free as possible. In order to make your choice clear, we provide a little more information about Sunny’s quick loans:

We give you 5 days to change your mind and repay the principal with no fees and no interest. You can do this once per month, no questions asked.

Start Up Loans How It Works – Start Up Loans #home #equity #loans

#startup business loans

How It Works

Do you have a great business idea, or have you been trading for less than 24 months? Are you looking for finance and support to help develop your business? If you answered yes, then a government-backed Start Up Loan could help.

STEP 1 – Register Online

The first step is to check that you are eligible, and if so, to get in touch with us by filling out our quick online registration form . giving us some basic contact information.

STEP 2 – Make a Business Plan

Once you have registered, a member of the Start Up Loans Company, or a Delivery Partner representative, will contact you to discuss the next steps. You will work with a Business Advisor who will provide guidance on your business plan and cash flow. The more prepared these documents are, the better, as they will form the basis of your loan application. There are free templates available on our website.

STEP 3 – Complete Your Application

Once your business plan and cash flow forecast are completed, your Delivery Partner will then put forward your application to be considered for funding. You will never be charged to make a Start Up Loan application. Not by us. Not by our Delivery Partners.

STEP 4 – Get Going

If your application for a Start Up Loan is successful, you will be able to access exclusive business offers including discounted website design, free accounting software and free legal advice.

You will then start to repay your loan. You are required to pay back the loan within 1-5 years, and there is no early repayment fee. The exact term will be agreed with your Delivery Partner as part of your application process.

STEP 5 – Meet Your Mentor

After receiving funding from the Start Up Loans Company you will be offered a mentor who is on hand to help your business succeed. You will likely have a lot of questions that need answering and decisions to make, and a mentor can provide guidance and support to help you grow and develop your business.

Interested in a Start Up Loan?

How It Works – Instant Cash Online, Australia #homeowner #loans

#instant cash loan

How It Works

A Simple and Convenient Service When You Need Cash Fast

Instant Cash Online provides a super-fast paperless application process that requires no filling out of personal, invasive, lengthy application forms that have to be faxed and take ages to approve. When you borrow money with Instant Cash Online, you can be sure that you go through a short and easy online process that keeps your information 100% secure.

Step 1.

Apply online it usually only takes a couple of minutes

Instant Cash Online provides loans from $100 $1000 for a minimum period of 16 days to a maximum length of 50 days. You can check out how much your loan will cost by trying our online calculator.

After you have applied online we will verify your details including income, expenses, transaction history and employment details. This information is verified using our simple automated system.

Step 2.

Receive your approval and confirmation online

As soon as you have been approved for a loan with Instant Cash Online we will notify you by SMS and email so you can Digitally Sign your Contract Online.

Step 3.

Cash in Your Account within 60 minutes

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Then take full control of your IT assets with automatic desktop discovery, computer software and hardware tracking, dynamic network device audit, IT asset management, software license management and helpdesk.

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Synexsys: not just another pc inventory tool

Synexsys Inventory, our computer audit and LAN device discovery software is much more than just another pc inventory tool. This automatic inventory solution is the result of more than ten years of practical experience in the field.

Most network inventory management systems yes, even the expensive ones fall short when it comes to even the basics like providing accurate, useful data. Most IT asset management applications have either an overly complex approach or they’re too simplistic.

Synexsys is simple and complete. It s designed to meet the day-to-day needs of IT professionals just like you. Synexsys has an answer for virtually all of your questions regarding your IT assets. Whether you need specific information on a single registry key value or a top-level view of your 10,000 computers distributed over 250 international sites.

Computer inventory has never been so simple

Everyone says it, but Synexsys proves it. Just ask anyone who has evaluated Synexsys: they know from first-hand experience that Synexsys is genuinely easy to install and easy to use.

You have problems to solve. Our concept is to develop products that will solve your problems and not add any new issues to the existing ones.

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Synexsys lowers your Total Cost of Ownership

You worry about the hidden costs of your IT assets as well you should. Of course IT Asset Management and Helpdesk solutions are high on the buy list when it comes to trying to lower the TCO of your IT assets.

But too often the solution costs more than the problem: complex IT asset management packages take too long, cost too much, and wind up abandoned as shelfware .

Synexsys unique strength is the simplicity it brings to sophisticated IT asset management. It reduces your IT asset TCO by giving you control, and the return on your investment is fast .

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Online Private International School #it #online #school



I’m delighted to introduce you to our school–a fully accredited, U.S. diploma-granting, private online school for grades K–12. All around the world, we help students learn in the ways that are right for them, nurturing a joy for learning and a passion to pursue their interests.
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As an accredited school, K12 International Academy offers courses and a U.S. diploma accepted by schools, colleges, universities, and employers across the globe. Many of our courses can be used for NCAA athletic eligibility.
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What is IT asset management (information technology asset management)? Definition from #cloud #based #it #asset #management


IT asset management (information technology asset management)

IT asset management (information technology asset management) is a set of business practices for optimizing spending and supporting strategic decision making within the IT environment while also increasing the company-wide understanding of IT’s business value.

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What should be in a CIO’s IT strategic plan?

This complimentary document comprehensively details the elements of a strategic IT plan that are common across the board – from identifying technology gaps and risks to allocating IT resources and capabilities. The team has compiled its most effective, most objective, most valued feedback into this single document that’s guaranteed to help you better select, manage, and track IT projects for superior service delivery.

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An IT asset is classified as any company-owned information. system or hardware that is used in the course of business activities. The IT asset management process typically involves gathering a detailed inventory of an organization’s hardware and software and then using that information to make informed decisions about IT-related purchases and redistribution. By avoiding unnecessary asset purchases and making the best use of current resources, IT asset managers can eliminate waste and improve efficiency.

This was last updated in December 2013

Continue Reading About IT asset management (information technology asset management)

Related Terms

ICT (information and communications technology, or technologies) ICT, or information and communications technology (or technologies), is the infrastructure and components that enable modern. See complete definition Total Quality Management (TQM) Total Quality Management is a management framework based on the belief that an organization can build long-term success by having. See complete definition universal basic income (UBI) Universal basic income (UBI) is a model for providing all citizens of a country or other geographic area with a given sum of. See complete definition



What is BYOD Bring Your Own Device? Webopedia Definition #byod, #bring #your #own #device, #workplace, #it #security, #mobile #security, #mobile #connectivity, #firewall, #definition, #glossary, #dictionary


BYOD – bring your own device

In the consumerization of IT. BYOD, or bring your own device. is a phrase that has become widely adopted to refer to employees who bring their own computing devices such as smartphones. laptops and tablets to the workplace for use and connectivity on the secure corporate network .

BYOD Security

Today, employees expect to use personal smartphones and mobile devices at work, making BYOD security a concern for IT teams. Many corporations that allow employees to use their own mobile devices at work implement a BYOD security policy that clearly outlines the company’s position and governance policy to help IT better manage these devices and ensure network security is not compromised by employees using their own devices at work.

BYOD security can be addressed by having IT provide detailed security requirements for each type of personal device that is used in the workplace and connected to the corporate network. For example, IT may require devices to be configured with passwords, prohibit specific types of applications from being installed on the device or require all data on the device to be encrypted. Other BYOD security policy initiatives may include limiting activities that employees are allowed to perform on these devices at work (e.g. email usage is limited to corporate email accounts only) and periodic IT audits to ensure the device is in compliance with the company’s BYOD security policy.

BYOD VoIP Subscription

Another common use of the phrase BYOD is connected to the VoIP industry, and the phrase is used to describe a specific type of VoIP subscription or plan. Subscribers who have their own VoIP device (a SIP -capable device) when signing up for a VoIP service will usually be able to take advantage of a cheaper subscription plan when they use BYOD however not all VoIP service providers will offer special rate plans for subscribers with their own equipment. If the BYOD subscription is unavailable through a VoIP provider you will need to use the provider’s equipment instead of your own.

BYOC – Bring Your Own Computer

BYON – Bring Your Own Network

From A3 to LOL and ZZZ this guide lists 1,500 text message and online chat abbreviations to help you translate and understand today’s texting. Read More

From keyword analysis to backlinks and Google search engine algorithm updates, our search engine optimization glossary lists 85 SEO terms you need. Read More

Microsoft Windows is a family of operating systems for personal computers. In this article we look at the history of Microsoft operating. Read More

Learn about each of the five generations of computers and major technology developments that have led to the computing devices that we use. Read More

Computer architecture provides an introduction to system design basics for most computer science students. Read More

Networking fundamentals teaches the building blocks of modern network design. Learn different types of networks, concepts, architecture and. Read More

Solar Power & Solar Panels Guide, MoneySuperMarket, how much money does it cost to install solar panels.#How #much #money #does #it #cost #to #install #solar #panels


Solar Power

We compare prices from every energy supplier in England, Scotland and Wales to help lower your fuel bills

How much money does it cost to install solar panels

Solar Power

Solar panels can cut your energy bills, and pay you for producing electricity, which makes them an appealing option if your energy costs are going up. But before paying thousands to install solar panels, consider whether your property is suitable, and whether they’ll really cut your bills.

How much money does it cost to install solar panels

How solar panels work

Solar panels harness the sun’s energy through photovoltaic cells. The cells convert sunlight into electricity. You don’t need direct sunlight for the panels to work, as they still generate some power on an overcast day.

  • Cut your carbon footprint – the panels are environmentally friendly, as solar electricity doesn’t release harmful carbon dioxide (CO2) and other pollutants into the atmosphere.
  • Renewable and sustainable – you can’t run out of this type of power.
  • Cut energy costs – sunlight doesn’t cost a penny, once you’ve paid for the panels to be installed.
  • Financial support – solar panels are eligible for Feed-in Tariffs. You earn money for each kWh of electricity you generate, and you get an additional payment for the electricity you export back into the grid.
  • The initial cost – this can be expensive, at thousands of pounds, unless you’re eligible for financial help towards the cost.
  • Dependent on weather – solar panels still produce power on a cloudy day, but the weather may influence how well they work.
  • Your property might not be suitable – you need a roof that’s big enough to fit the panels, and produce enough power. Ideally, your home should also be south-facing. Listed buildings are unlikely to be allowed to install solar panels.
  • Effort – there is a big initial outlay, and building work is required. This will put many people off, when energy is available simply from a range of suppliers.

Call your local Energy Saving Trust Advice Centre on 0800 512 012 for more information on solar panels.

The cost of solar panels

The average 4kWp solar panel system costs around 5,000- 8,000 to install, according to the Energy Saving Trust.

This can generate around 3,800 kWh of electricity a year, and save around two tonnes of carbon dioxide every year. However, costs vary widely between installers – so get several quotes.

Before spending thousands installing a system, make sure it’s worthwhile. Check if other energy saving measures could save more, such as switching suppliers, loft or wall insulation.

Your home must reach band D or higher in the Energy Performance Certificate to be eligible for the highest rate of Feed-in Tariff.

If you’re unable to install solar panels or you decide against it, cut energy costs by comparing tariffs and switching to a cheaper deal. Make sure you’re on the most competitive tariff, particularly given the rising cost of energy.

Fitting solar panels

Tell your buildings insurer: The panels will form part of your home’s structure. This means your insurance could get more expensive, if your insurer decides you need a higher level of cover, particularly if the house needs rebuilding and the panels need replacing.

Consider separate insurance: Your home insurance won’t guard against any mechanical fault in the panels. If they stop working, check if they’re under warranty. You may need to insure them separately.

Check the provider: Look out for the REAL Assurance and Microgeneration Certification Schemes (MCS), ensuring you can trust the company. The MCS mark shows that the installer offers high-quality products, while the REAL Assurance Scheme is a consumer code that offers protection.

How much money does it cost to install solar panels

Can I compare energy prices if I am on a prepayment meter?

If you use a prepayment meter, you can still compare energy prices and potentially switch to another cheaper prepayment deal.

If you are on a prepayment meter, you could switch to a fixed-rate deal and save.

You can compare your current prepayment tariff to alternative tariff options using our energy comparison tool.

Viproy VoIP Penetration Testing and Exploitation Kit #it #penetration #testing


Viproy Voip Pen-Test Kit provides penetration testing modules for VoIP networks. It’s developed for security testing of VoIP and Unified Communications services. Viproy has Skinny, SIP and MSRP libraries to develop custom security tests, as well as PoC security testing modules. The modules below can be used to test SIP design and authorisation flaws, Skinny service issues, cloud VoIP design issues and client software vulnerabilities. Viproy had the key role for the VoIP Wars research series presented in major security conferences including Black Hat (USA, Europe), Defcon, Troopers, Hack in the Box, Ruxcon and AusCERT.

Current testing modules:

  • SIP Register
  • SIP Invite
  • SIP Message
  • SIP Negotiate
  • SIP Options
  • SIP Subscribe
  • SIP Enumerate
  • SIP Brute Force
  • SIP Trust Hacking
  • SIP Proxy Bounce
  • SIP/SDP and MSRP PoC Fuzzers
  • Skinny Register
  • Skinny Call
  • Skinny Call Forward
  • Polycom Configuration Extractor
  • CUCDM Call Forwarder
  • CUCDM Speed Dial Manipulator
  • Cisco CDP Spoofer
  • MITM Proxy TCP
  • MITM Proxy UDP
  • Boghe IMS Client PoC Exploits
  • MSRP Client and Library

    Viproxy MITM Proxy and Testing Tool (v3)

    Viproxy MITM Proxy and Testing Tools is developed using Metasploit Framework environment. It is a standalone Metasploit module which enables users to intercept the TCP/TLS traffic and to execute some attacks against thick client applications, mobile applications and VoIP clients. Viproxy can be used to attack the Microsoft Lync and Skype for Business environments as demonstrated during the VoIP Wars: The Phreakers Awaken in Black Hat USA 2016 and VoIP Wars: Destroying Jar Jar Lync presentation at Black Hat Europe 2015, GSEC Hack In The Box Singapore 2015 and Ruxcon 2015 events. Viproxy has magic words to perform inline attacks. It also has an online rule console to manage the attacks including INVITE subject update, MESSAGE content update and sending invalid content for fuzzing.


    VoIP Wars: The Live Workshop – Troopers, Germany 2017

    Departed Communications: Learn the ways to smash them – BSides Canberra, Australia 2017

    VoIP Wars: The Phreakers Awaken – Black Hat USA 2016

    Workshop: VoIP Wars: The Live Workshop – DEF CON 24

    VoIP Wars: Destroying Jar Jar Lync – Blackhat Europe 15. GSEC HITB 15. Ruxcon 2015

  • Workshop: The Art of VoIP Hacking Workshop – DEF CON 23

    Training: Tactical VoIP Hacking with Viproy – Troopers 15

  • Training: Practical VoIP Hacking with Viproy – Kiwicon 2014

  • VoIP Wars: Attack of the Cisco Phones – DEF CON 22. Blackhat USA 2014

    Viproy VoIP Penetration Testing Kit 2.0 – Blackhat Arsenal USA 2014

    VoIP Wars: Return of the SIP – DEF CON 21. Ruxcon 2013 (Australia)

    Viproy VoIP Penetration Testing Kit 1.0 – Blackhat Arsenal USA 2013

  • SAP Hotel Management: Serving the hospitality community with integrity, loyalty and qualitySAP Hotel Management #sap #hotel #management: #serving #the #hospitality #community #with #integrity, #loyalty #and #quality. #sap #hotels #specializes #in #hotel #management #of #both #full #service #and #select #service #hotels. #the #need #to #be #selective #in #choosing #a #hotel #management #company #has #never #been #more #important #than #it #is #today. #sap #hotels #provides #real #world #solutions #for #it\’s #owners #and #will #increase #your #hotel\’s #top #line #revenue #and #improve #your #hotel\’s #bottom #line #profit.


    SAP Hotels specializes in hotel management of both full service and select service hotels. The need to be selective in choosing a hotel management company has never been more important than it is today. SAP Hotels provides real world solutions for its owners that will increase your hotel’s top line revenue and improve your hotel’s bottom line profit.

    SAP Hotels LLC. is deeply rooted in the hospitality industry. Its senior management is comprised of a team of skilled professionals with averaging nearly 75 years of lodging experience. SAP Hotels LLC. upholds long-standing relationships with the industry’s most highly regarded brands.

    SAP does not take a cookie cutter approach to our services and fees. SAP’s executive team will take the time to get to know you the owner and qualify the needs of your hotel. We will then work with you to design a program that will generate results. SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support.

    Our Services

    SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support. Read More

    • Day to day operation supervision
    • Establish and monitor business plans
    • Monitor and supervise all personnel matters
    • Implement and monitor purchasing and inventory controls
    • Implement and monitor food and beverage systems
    • Implement and monitor accounting systems including reporting
    • Accounts Receivable and Accounts Payable
    • Prepare, annual forecasts, budgets, and weekly variance analysis
    • Prepare, implement and monitor emergency and guest safety plans
    • Establish preventative maintenance programs
    • Prepare capital improvement schedules
    • Prepare goal-oriented bottom line targets
    • Involve owners in decision-making and in the review of hotel performance

    . Know more about Operations

    • Development of top line budget
    • Annual marketing plan
    • Development of group booking goals
    • Development of locally negotiated account consumption goals
    • Sales solicitation goals
    • Sales performance bonus incentive
    • Creative site tour procedure
    • E-Marketing
    • Event management promotions and execution
    • Competitive analysis
    • Sales support and training
    • Public relations coordination
    • Collateral design
    • Quarterly targeted action plan
    • Sales Blitz coordination
    • Outside sales calls
    • Coordination of property and franchise marketing efforts
    • GDS, internet, print, social media marketing

    . Know more about Sales and Marketing

    • Preparation of annual budget
    • Daily flash report
    • Preparation of monthly financial statements
    • Annual reporting and payments of all state, local and lodging taxes
    • Monitor the annual budgeting process
    • Provide financial results analysis and industry comparisons
    • Provide cash flow monitoring and distributions
    • Perform internal financial audits
    • Provide sales, property and income tax audit support
    • Administer banking relationships
    • Loan negotiations

    . Know more about Finanance

    • Line Level Job Descriptions and Employee Handbook
    • Management/Associate’s search
    • Best Hiring Practices
    • Employee Relations and Retention
    • Termination Procedures
    • Bonus and Incentive Plans
    • Compensation Consulting
    • Government Compliance
    • Harassment Free Atmosphere
    • Educational & Leadership Training

    . Know more about Human Resources

    Software Consultant Salary, it software consulting.#It #software #consulting


    Software Consultant Salary

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    Add this chart to your site: It software consulting 640px It software consulting 300px Copy and paste this HTML:

    • Country: United States
    • Currency: USD
    • Updated: 5 Sep 2017
    • Individuals Reporting: 567
    • Country: United States
    • Currency: USD
    • Updated: 5 Sep 2017
    • Individuals Reporting: 92

    Job Description for Software Consultant

    A software consultant helps a company moderate and effectively manage their technological content. Software consultants may handle many different types of software and the data they contain, which could include web content (websites and website code), document management, and digital records and asset management. This individual enables to organization to manage these components effectively and safely within the company’s specifications. Software consultants may also work with clients in a service-based atmosphere. Some consultants work on a client-by-client basis in areas such as website construction and internet advertising. They may also work within the company, helping meet software needs of departments such as marketing and social media.

    Software consultants typically are required to have three to five years’ experience in computer science and in a consulting environment. In addition, a bachelor’s degree in computer science degree is usually required, as is the knowledge and implementation of a wide variety of computer scripts and languages such as Java, HTML, and SQL. Software consultants also should be able to multitask effectively, able to work independently, and have good business judgment. (Copyright 2017

    Software Consultant Tasks

    • Design software systems customized for specific tasks or industries.
    • Analyze a company’s computer system and determine how to use software to make processes more efficient.
    • Provide technical support and troubleshooting services for clients.

    Common Career Paths for Software Consultant

    Add this chart to your site: It software consulting 640px It software consulting 300px Copy and paste this HTML:

    Software Consultants’ salaries may rise greatly for those who assume a higher-end position such as a Solutions Architect. The average Solutions Architect brings home $119K per year. It is quite typical for Software Consultants to transition into roles as Senior Software Engineers or Information Technology Project Managers, where reported median earnings are $30K and $8K higher per year.

    MERP Systems Inc #merp #systems,2201 #cooperative #way, #suite #600,herndon, #va #20171,microsoft #dynamics,sharepoint,it #solution #in #kerala,merp #it #services


    Microsoft Dynamics 365

    Parature Migration Framework

    8(a) Certified

    Legacy Systems Management & Rationalization

    M ERP was founded by professional scientists and information technologists possessing a rich mix of science, government and IT experience. Our unique expertise translates to accurate, timely, cost effective and credible IT solutions to the customer. Superior technical competency is only part of the success equation. We understand the unique challenges government entities face as they strive to meet mission critical objectives while balancing fiscal considerations, transitions, administrative change overs, reorganizations, governance and other priorities and constraints.
    At MERP Systems, our integrative approach to merging science, business and IT ensures successful and low risk solution deployment. MERP Systems Inc. leverages custom platforms as well as best of breed open systems architectures to develop sound and reliable databases, websites and infrastructure and content management systems.

    At MERP Systems, our integrative approach to merging science, business and IT ensures successful and low risk solution deployment. MERP Systems Inc. leverages custom platforms as well as best of breed open systems architectures to develop sound and reliable databases, websites and infrastructure and content management systems.
    Our in-depth knowledge of US Federal, State and local Government, commercial and nonprofit business enables us to identify and undertake best practices for solving perplexing government business challenges.
    Our staff is comprised of both veteran (former) Federal staff members and professional consultants with the right stuff to deliver solutions that reflect your organizational brand and complies with applicable Federal standards, mandates and regulations.

    More information about us? We look forward to hear from you. Contact Us


    M icrosoft Dynamics is a line of enterprise resource planning (ERP) and customer relationship management (CRM) software applications that is catering to mid-large market segments. MERP has helped host of its clients using MS Dynamics Solution.From contract management to contact management, MS Dynamics offers a turn-key solution platform. Microsoft Dynamics AX is a comprehensive, multi-site, multi-currency, global business management solution. This unique platform automates and streamlines business processes and information flow across finance, sales and marketing, HR, manufacturing, distribution, and supply chain to improve productivity, enhance revenue, and reduce costs. MERP’s MS Dynamics practice is tailored towards helping its commercial and government clients in implanting solutions in the contract management, CRM, and financial areas. MS Dynamics CRM offers business solutions tailored to various functions across multi-disciplinary departments. MERP team members have evaluated, recommended, and implemented MS Dynamics over many leading and competing CRM tools. Our unique business acumen, background and functional comprehension coupled with strong MS Dynamics enterprise expertise enables us to achieve highest value proposition and results for our clients.

    S harePoint is a web application framework and platform developed by Microsoft. It integrates intranet, content management, and document management, with recent versions having broader capabilities. MERP helps federal agencies and other clients democratize business information organization and orchestrate business intelligence through adoption and deployment of SharePoint. Engaging and enabling power users are critical success factors for SharePoint adoption. MERP has a center of excellence for SharePoint solution planning, design, development, deployment, and maintenance. Microsoft’s SharePoint deployment strategy employs a hybrid model involving the support for both on-premise and Office 365 cloud. Office 365 integrates the Microsoft Office desktop collection with cloud-based editions of Exchange Online, SharePoint Online, and Microsoft Office Web Applications—to facilitate productivity of clients from virtually anywhere through the Internet. Office 365 presents each client a default Exchange mailbox size of 50 GB. MERP IT is completely prepared to help you migrate your company email to Microsoft Office 365 in a cost-effective and efficient manner that will transform the way you do business.

    ISACA Certified Information Systems Auditor (CISA) #information #systems, #auditor, #professional, #it, #study, #learn, #cisa


    Business and Office Career Courses

    ISACA Certified Information Systems Auditor (CISA)

    The Certified Information Systems Auditor (CISA) Certification training course from Study IT Online provides students with knowledge and skills IT Security professionals and auditors need to prepare for the CISA certification exam, including: the Information Systems Audit Process, Information Technology Governance, Systems and Infrastructure Life Cycle Management, IT Service Delivery and Support, Protection of Information Assets and Business Continuity and Disaster Recovery.

    The Certified Information Systems Auditor (CISA) program, sponsored by ISACA�, has been the globally accepted standard of achievement among information systems (IS) audit, control and security professionals since 1978. As a Certified Information Systems Auditor (CISA), you’ll perform a business-critical function: assessing your organization’s IT and business systems to ensure they are monitored, controlled, and protected.

    Candidates for this exam typically have a minimum of five years of experience as an information systems auditor or a similar combination of education and job experience. The CISA Certification is also part of the new DOD 8570.1 requirements for military and government personnel and contractors.

    Study IT Online’s CISA training course maps directly to the exam objectives and offers numerous features such as exam tips, case studies, and practice exams. We are so certain this class will provide you with the knowledge and skills you need to succeed, we guarantee you will pass your exam!

    � Course Duration: 3 Months

    Learning Segments

    CISA: Certified Information Systems Auditor


    • The IS Audit Process
    • Risk Analysis and Risk Management
    • ISACA Code of Conduct
    • Performing an Audit
    • IT Governance
    • ISS and The Role of Policies and Procedures
    • Risk Management
    • Information Systems Management Practices
    • Organizational Structure and Responsibility
    • Project Management
    • Systems and Infrastructure
    • Business Application Development
    • Application Controls
    • Business Tools
    • SLOC SDLC Demo
    • IT Service Delivery and Support
    • Information Systems Operations, Hardware and Software
    • Enterprise Network Architectures
    • Network Infrastructure
    • IP Addressing
    • Protection of Information Assets
    • Access, Exposures, and Security
    • Auditing the Physical Framework
    • Crypt MD5 Demo
    • Password Restrictions
    • Business Continuity and Disaster Recovery
    • Recovery Strategies
    • MinuteMan
    • IP Subnet Calculator
    • MD5sum

    Free Catalogue Download

    Free Career Path Download

    HR Solutions #outsourced #it


    Welcome to HR Solutions

    I have found HR Solutions to be very professional, easy and quick to obtain advice from and always very accessible.

    Brian Rice, Company Chairman, Dial-A-Cab

    Having worked with HR Solutions for the last three years I can say that the advice and support that I have received from the team has been invaluable. HR Solutions offer a professional service and I would recommend them to anyone needing that additional help.

    Deborah Jacob, HR Manager, Bokomo Foods (UK) Limited

    The service that HR Solutions has offered has been brilliant. Gill and Toni have supported us and have made it as stress free as possible. Their knowledge has been excellent and I would thoroughly recommend their services, especially for people who have minimal HR experience.

    Bridget Hayward, Line Manager, Always Take Care

    No matter how big or small the issue is, HR Solutions provide great advice and have always steered us in the right direction. Due to the nature of our business we are a strong believer in ‘outsourcing’, especially when you get a great service for a great price. I would highly recommend HR Solutions to any business.

    Lee North, Finance Administration Manager, Purchase Direct Ltd

    An excellent value for money approach for companies with a relatively small number of employees to gain access to professional HR advice and guidance.

    David Wilkes, Group Deputy CEO, Boortmalt

    Government Information Library #it #services #colorado


    Government Information Library

    The Government Information Library at CU Boulder is a regional library of the Federal Depository Library Program as well as a depository of Colorado, United Nations and European Union information. We’re here to help you find information from any level of government.

    The Government Information Library is a Regional Federal Depository Library for the State of Colorado. It is also an Official Partner with the Government Publishing Office as a Preservation Steward for Government Documents.

    Featured Resources

    • Proquest Legislative and Executive Publications
      Best place to start for Congressional and Executive Branch publications
    • FDsys: Federal Digital System
      Official source for current federal publications
    • Statistical Insight
      Comprehensive index for local, state, national and international statistics

    New Resources

    • Politico Pro
      This new resource provides in-depth and timely policy analysis of the latest topics and news from Washington DC. The document drawer offers relevant primary and secondary source material, while the Data Point service provides infographics and other visuals to supplement hot topics.
    • State Agency Database Project
      Check out this comprehensive collection of State Agency Databases compiled by the Government Documents Roundtable (American Library Association). These guides are organized by State name and Topic (like Crime and Criminal Justice or Government Finances and Contracts ). You can also browse through all of the links for the state of Colorado. thanks to Samantha Hager at the Colorado State Publications Library!

    Government Information Library. in the news!

    • CU Boulder recently became the first Preservation Steward for government documents with the Government Publishing Office. Read more about this project in this article from the FDLP , this profile in CU Boulder Today. an interview and story on KGNU News. or this interview on CPR’s Colorado Matters

    Research Guides

    Earn the CHAA Credential – National Association of Healthcare Access Management #healthcare #it #certification #programs


    Congratulations on taking the first step toward earning the Certified Healthcare Access Associate (CHAA) credential. The National Association of Healthcare Access Management (NAHAM) established the CHAA program to promote the highest standards of patient access services through the credentialing of those working at the front lines of patient access.

    Payment Information:
    $125 for members and non-members. Complimentary CHAA study guide made available when payment is received.

    REFUND/DATE CHANGE POLICY: as stated in the Candidate Guide to Certification. only in the case of personal illness, natural disaster, or death in the family will a refund/date change be issued free of charge. You must contact NAHAM within your assigned testing window in order for this to policy to apply. If you are unable to take the exam and DO NOT meet the above requirements, please fill out an Examination Date Change form to switch your testing window for a $50 fee.

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    Orlando Plumber, AC Service Orlando, Associated Piping Services, orlando it services.#Orlando #it #services


    Plumbing and Air Conditioning Repairs and Service

    Associated Piping Services, Inc. has been a family-owned and operated business since 1986,

    providing plumbing and air conditioning services, repairs and replacements.

    We offer 24/7 Service.

    Plumbing and Air Conditioning Repairs and Service

    Associated Piping Services, Inc. has been a family-owned and operated business since 1986,

    providing plumbing and air conditioning services, repairs and replacements.

    We’d love to hear from you


    Orlando Plumbing and Air Conditioning Experts

    Welcome to Associated Piping Services, Inc. We look forward to becoming your local Orlando plumbing and Orlando air conditioning company. Associated Piping Services, Inc. has been a family-owned and operated business since 1986, providing plumbing and air conditioning services, repairs and replacements. We will serve each and every customer with the highest integrity. Thank you for your interest.

    Why Choose Us?

    24-Hour Emergency Service

    Planned Maintenance

    Extended Warranties

    We take care of business by offering the following:

    • 24-Hour Emergency Service
    • Planned Maintenance
    • Extended Warranties
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    • HVAC and Plumbing Repairs and Installation
    • Residential, Commercial and Industrial Applications
    • Commercial Jetting
    • Back Flow Certification

    Who Are We?

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    Looking to get a quote today? We re available 24/7.

    Call the Experienced Orlando Plumbers

    Associated Piping Services Inc. has provided local homes and businesses with the dedication and professionalism of the premier full-service plumber for Orlando and the surrounding area. As a family owned and operated business, we pride ourselves on the unmatched commitment to integrity and customer service. Our trained experts are licensed and qualified for any and all repair and maintenance needs for residential, commercial, and industrial properties.

    Fast Response at Any Hour

    When pipes burst, water heaters fail, and toilets clog, the last thing you want to do is wait through the weekend for the next available plumber in Orlando. The more time that passes, the more damage can accumulate on walls, floors, and piping. We provide our customers with prompt and dependable emergency service from an expert Orlando plumber, made available 24 hours a day and 7 days a week.

    Services, Repairs, and Dependable Maintenance

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    Most Wired Hospitals Tackle Cybercrime, Telehealth and Predictive Analytics #most #wired,chime,gil #hoffman,health #information #technology,health #it,hospitals,information #technology,marc #probst,mercy,perioperative,scott #ransom,telemedicine, #cybercrime, #ransomware, #american #hospital #association, #health #forum


    Most Wired Hospitals Tackle Cybercrime, Telehealth and Predictive Analytics

    If they didn t know it already, members of the hospital field s C-suites do now: Keeping health care data out of the hands of cybercriminals is harder than ever.

    Thanks to stories in recent months about the escalation in the types of acts criminals will take to profit from stealing hospital data or holding it for ransom, an awareness of the depth of the problem has reached the general public.

    We can t take this threat too lightly, says Jon Melling, a partner with information technology-focused Pivot Point Consulting. Patients and other interested stakeholders expect health information to be kept absolutely confidential.

    Cybersecurity is just one of the areas shown to be getting a lot of attention in the results of the 2016 Health Care s Most Wired survey, conducted by Hospitals Health Networks and Health Forum.

    (Log on to see the list of Most Wired hospitals. )

    Other matters growing in importance among the Most Wired hospitals and health networks include using data to make the transition from volume-based to value-based reimbursement; helping to connect hospitals in remote locations with specialists via video or audio; and continuing to work to make electronic health records more useful and shareable among different hospitals and health systems.

    But the protection of valuable health care data is at or near the top of chief information officers priority lists. The way [criminals are] getting in primarily is through phishing emails, says Lynn Sessions, a partner with law firm BakerHostetler. What happens is a health care employee gets an email thinking it s a legitimate email. And these are very convincing emails. And they end up giving up their username and password, Sessions says.

    Hospitals and health systems are fighting back in response to the threats presented by hackers, putting more resources into defensive systems and employee education, according to the results of this year s survey.

    Most Wired-designated participants already were big users of defensive measures such as intrusion detection systems every year since 2013, at least 92 percent of them used such approaches. Now, Most Wired hospitals and health systems are taking more aggressive steps to beat back the hordes of hackers and hacking programs searching for a way into hospitals information technology systems. Sixty-seven percent of Most Wired hospitals and health systems are using pattern detection to prevent automated logins, compared with 60 percent in 2015 and just 48 percent in 2013.

    Supporting Articles

    A less-discussed but still important threat that the hospital field is addressing concerns what s called social engineering. The practice entails using personal interaction such as posing as a co-worker or family member to obtain password information or some other means to crack into a hospital s data.

    When we do a security assessment, we look at technical security, the basics like bits, bytes and wires, says Munzoor Shaikh, a director in the health care practice of consulting firm West Monroe Partners, Chicago. But beyond the bits, bytes and wires, there s a lot of internal security measures that actually have to do with the human and the process side. Hospitals should have some type of process to limit that kind of risk, he says.

    Among Most Wired hospitals, 40 percent perform annual social engineering risk assessments, 28 percent perform unannounced assessments and 7 percent perform assessments quarterly. Eight percent perform such assessments no more frequently than every two years, and 17 percent never do, according to Most Wired data.

    Dialing up care

    The Most Wired hospitals and systems in the survey are users of telehealth to varying degrees, but experts say telehealth, in its different forms, is on the upswing, despite being hindered by reimbursement limitations. Telehealth is getting a lot more interest, says Chantal Worzala, vice president for health information and policy operations with the American Hospital Association.

    Part of the interest is driven by increased consumer understanding of how much more convenient it can be to interact with others using devices such as smartphones, and health care follows that trend, Worzala says.

    Another driver of the growth in telemedicine comes from the inpatient side of care, where telemedicine can limit the effects of caregiver shortages, she says. The same holds true for behavioral health care.

    Among those designated as Most Wired hospitals and health systems, the most popular use of telemedicine is for consultations and office visits (61 percent), while the use of telemedicine for rehabilitation (17 percent) was least cited by hospitals.

    Among the Most Wired, use of telemedicine for psychiatric examination or psychotherapy in the hospital setting involved close to half of respondents at 47 percent.

    Telemedicine would be improved by modernization of Medicare s handling of such care. It s extraordinarily limited in what will be covered, Worzala says.

    Analytics use growing

    Meanwhile, the use of IT data to better care for patients and patient populations continues to grow in popularity. Analytics is picking up very, very nicely, says Marc Probst, chairman of the College of Healthcare Information Management Executives and chief information officer for Intermountain Healthcare, Salt Lake City.

    Probst notes that analytics used to be the domain of just a handful of academic organizations that were able to use the data they were collecting to conduct strong analyses and make better decisions for clinical and even financial practices. That capacity is spreading, he says.

    We re seeing a tremendous uptick in capability and use. That s a neat opportunity, Probst says.

    The survey data back up that view, with less than half (41 percent) of Most Wired hospitals and systems performing advanced analytics such as conducting controlled experiments or scenario planning and some form of forecasting.

    But 91 percent of Most Wired respondents are performing business intelligence analyses in a single department, and 82 percent of all respondents are.

    The practice of performing population health analysis with IT as its backbone also is still in the growth phase. The percentage of Most Wired hospitals and systems performing different aspects of pop health management implementation ranged from 48 percent that are synchronizing clinical and financial risk measures for clinical, operational and compliance standards to 84 percent that are identifying and targeting patients for outreach.

    Look for the use of these practices to grow sharply as the field transitions to value-based care models. Most folks would consider the analytics capability for a value-based environment to be an absolutely critical, necessary building block to be successful, says Scott Ransom, M.D. managing director of strategic solutions for Navigant Consulting.

    Integration of data for practical applications has room to grow and potential for great benefits. Fifty-nine percent of the Most Wired integrate clinical and claims data so they are accessible, searchable and reportable across the care community.

    Data management cuts costs

    Managing data properly helped Mercy, Chesterfield, Mo. when the large health system used clinical data to cut perioperative costs, and Mercy is applying what it learned in that area to other parts of its operations.

    In every health care organization, IT as well as the operations and clinical side are looking at ways to drive expense out of the organization, says Gil Hoffman, chief information officer with Mercy. Data play a role in that, figuring out ways we can do things more efficiently and still have the very, very best patient outcomes, Hoffman says.

    Mercy improved efficiency to the tune of $9 million by reworking its purchasing practices using supply cost data in perioperative care. This is an area that drove a large amount of the system s overall costs, says Betty Jo Rocchio, R.N. vice president of perioperative performance acceleration. Mercy standardized its perioperative supply choices in concert with surgeons on its staff and applied those choices across the organization, Rocchio says. In addition to saving money, outcomes have remained the same or improved, she says.

    The biggest task from a data perspective was getting it into an organized, actionable format so that people can make decisions and consume that information in a way that can drive their business, Rocchio says. Most of health care has a ton of data. It s the analytics that we struggle with.

    Here is a sampling of this year s Most Wired hospitals and health systems, in alphabetical order:

    Abington (Pa.) Jefferson Health

    Abraham Lincoln Memorial Hospital | Lincoln, Ill.

    Adventist Health | Roseville, Calif.

    Adventist Health System | Altamonte Springs, Fla.

    Advocate Health Care | Downer s Grove, Ill.

    Corporate News

    Bank Islam Home Loan. Discover It Now! #instant #online #loans

    #bank loan calculator

    Bank Islam Home Loan

    Is a Bank Islam Home Loan Right for Me?

    Bank Islam offers Shariah compliant home financing and refinancing packages especially suitable for Islamic banking customers. There are 2 main Bank Islam home financing products which offer to the customers. Both Bank Islam home financing are semi-flexi package. One of the renowned Bank Islam Housing financing product namely Bank Islam’s Baiti Home Financing is a variable rate Islamic home financing offering an optional two-month break on monthly installments every November and December to keep up with the festive spending. This Bank Islam home financing is based on the principle of Tawarruq (the purchase of an asset with deferred price, then selling that asset to a third party to get cash). There are several benefits that you will gain from Bank Islam Home Financing. Via this Bank Islam home financing, you can attain better costs savings with the exclusion of a processing fee.

    Just like the previous Bank Islam home financing product, Wahdah Home Refinancing comes with the same features for home refinancing i.e. Payment Holiday feature. The main attraction of this Wahdah Home Refinancing is that you can lower your house financing installment. Besides, this Bank Islam home financing allows you to have the extra cash for your personal needs. The only risk that you will face when you sign up to Bank Islam home financing is the changes in effective profit rate (EPR) according to the movement in the Base Rate (BR).

    Bank Islam Home Financing has no lock-in period but Bank Islam home financing contain several fees and charges. In case of an early full redemption you can expect to pay up to 4% on your outstanding financing amount as a penalty fee. Bank Islam’s profit rates are also among the highest among Islamic banks in Malaysia.

    The margin of financing offered by Bank Islam reaches up to 90% inclusive of MRTT (Mortgage Reducing Term Takaful) and financing tenure can be extended up to 35 years (in accordance to the latest ruling by Bank Negara Malaysia) or until aged 70, whichever comes first. As long as you are aged between 18 and 70, you are eligible to apply the available Bank Islam home financing.

    Bank Islam Home Financing Packages

    Bank Islam’s home financing programme includes two Shariah compliant home financing and refinancing packages to suit the different individual needs of Islamic banking customers. The main features of the Baiti Home Financing package and as well as the Wahdah Home Refinancing package are highlighted in the table.

    Minneapolis IT Managed Services #managed #it #services #minneapolis


    Your Minnesota Managed IT Services Partner


    You need to run your business – not on your technology problems. Network Medics is your IT partner that will take care of your network needs and important technology relationships from consulting to technology planning and technical support. What is your time worth? Small business owners always struggle with choosing internal, outsourcing, or delegation – its why the library is full of business development books. With Network Medics, we will get to know your company and make sure your critical systems like email, people, and databases are supported, accessible, and working for you.
    Help Me with My Network »

    Your need to focus on running your IT department. As you likely have a lot of roles at your company, our VitalCare IT Managed Service for IT professionals fills the gaps in your IT department and efficiently solves your IT outsourcing needs. Can you never go on a real vacation? It seems like everything wrong happens when you are out of town, right? We will be there for you when you need to escape to a warm climate and not get called constantly which ruins your time off. Let’s look at how you can count on Network Medics to be your trustworthy team members that bring a diverse expertise to your team.
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    You prefer to use a Minnesota-based private cloud hosting provider. Our Minnesota managed VPS hosting (VitalVM) gives your company enterprise class equipment without the massive investment of installing onsite servers, racks and repairs. Do you know where your data is? We deliver local managed cloud services with our cutting edge servers, security, storage and connectivity. Most importantly, we maintain the equipment, upgrades and repairs. You get flexibility and pay only for the resources you need. VItalVM provides secure, anytime, anywhere access to your network from within our Tier 3 data center.
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    You need help with a public cloud solution and need help managing it. Our managed public cloud (Micosoft Azure ) solutions give your company a secure public cloud hosting solution without the investment of physical servers. Have you noticed Azure confusing? You want local Minnesota IT consultants to help get you through the setup and management of your solution. We will regularly discuss – in person or by phone – the flexibility, solution, how it works, and the resources you need for your cloud services. You will be able to confidently provide your company with secure, anytime, anywhere access to your network. Most importantly, we manage everything so you don’t have to – but you get to be the hero.
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    Business Intelligence And The Smart EMR #explorys,health #catalyst,mckesson,ibm,microsoft,sap,oracle,smart #emr,community #hospitals,healthcare #big #data,hospital #business #intelligence,hospital #electronic #health #record,hospital #electronic #medical #record,hospital #emr,hospital #healthcare #it,hospital #it #systems


    A new study by KLAS suggests that while providers are giving thought to business intelligence needs, they still haven t honed in on favored vendors that they see as holding a leading position in healthcare. That may be, I d suggest, because the industry is still waiting on EMRs that can offer the BI functionality they really need.

    To look at the issue of BI in healthcare, KLAS interviewed execs at more than 70 hospitals and delivery systems with 200 or more beds.

    When asked which BI vendors will stand out in the healthcare industry, 41 percent of respondents replied that they weren t sure, according to a story in Health Data Management .

    Of the other 59 percent who chose a vendor, IBM, SAP, Microsoft and Oracle came up as leaders in enterprise BI applications but none of the above got more than 12 percent of the vote, HDM notes.

    Vendors that did get a nod as standing out in healthcare-specific BI included Explorys, Health Catalyst, McKesson and Humedica (Optum). IBM and Microsoft were also singled out for healthcare use, but respondents noted that their products came with high price tags.

    Meanwhile, QlikTech and Tableau Software were noted for their usability and data visualization tools though lacking in full BI toolsets, according to HDM.

    While these stats are somewhat interesting on their own, they sidestep a very important issue: when will EMRs evolve from transaction-based to intelligence-based systems. After all, an intelligence-based EMR can do more to improve healthcare in context than freestanding BI systems.

    As my colleague John Lynn notes, EMRs will ultimately need to leverage big data and support smart processes, becoming what he likes to call the Smart EMR. These systems will integrate business intelligence natively rather than requiring a whole separate infrastructure to gather insights from the tsunami of patient data being generated today.

    The reality, unfortunately, is that we re a fairly long way away from having such Smart EMRs in place. Readers, how long to you think it will take before such a next-gen EMR hits the market? And who do you think will be the first to market with such a system?

    Hospital EMR EHR Resources

    Recent Comments

    • Operational CIO vs Strategic CIO (3 )
      • Drex DeFord. /darwin-often-misquoted-drex-d eford
      • John Lynn. Tom, Exactly. However, many CIOs relegate themselves to just making sure the servers are on, the desktops.
    • VA (Veteran s Administration) Chooses Cerner EHR (5 )
      • Alec Johnson. Tim you provide an interesting solution to a seriously complex issue. I do respectfully disagree with.
      • John Lynn. So, if EHR s change, government gets smart, or patients start caring. In Vegas we call all of those.
      • Tim Shear. Only if the EHR platforms agree to adopt a standard data platform to take away the advantages and hold on.


    EMR and EHR in the hospital, A complex mess of potential benefit!

    2005 – 2017 Hospital EMR and EHR

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    What is VoIP?

    VoIP or Voice over internet protocol is a term referring to the technology used for making telephone calls through the internet. As it leverages on the power of the internet, VoIP is very Flexible and Versatile. Its potential is almost limitless as it grows along with technology.

    Over the years, more and more people are switching over to VoIP. Known for its many benefits and Low Costs, VoIP is especially useful for people who requires having repeated long overseas conversation with a particular number. They can leverage on the 100% free On-Net calls which only VoIP can provide. And this is only one of the many benefits of VoIP!

    What You Need?

    Want to start using VoIP? All you need is a high speed internet connection. These Internet connections can be either DSL, Cable or Fibre from any high-speed Internet service providers in your area. Calls can be made via an IP-Phone, Smartphone, Computers or even Normal Telephones(with an adapter or IP-PBX). For those of you wondering, an IP-Phones integrate VoIP technology into a regular-like telephone handset, offering advanced communication features. Basically Great Features Easy To Use!


    This biggest advantage of using VoIP over the standard PSTN is costs. Basically, cheap IDD calls of a high quality. As internet directly connects different providers all over the world, you will save money due to the shorter routes taken for each call. With proper software/hardware, VoIP can bring you additional features like Call Transfer, Call Forwarding etc. The benefits will increase even more as technology improves.

    How It Works

    Calls can be made to both local and overseas. Below is an illustration of how regular VoIP Calls and Free On-Net Calls are made.

    Regular VoIP Call

    On-Net Call

    Mobile Ready

    Online Bachelors Degrees in Entrepreneurship: Program Overview #it #bachelors #degree #online, #online #bachelors #degrees #in #entrepreneurship: #program #overview


    Online Bachelors Degrees in Entrepreneurship: Program Overview

    Essential Information

    Entrepreneurship may be offered as a major in itself or as a concentration in a Bachelor of Science in Business or Bachelor of Business Administration program. Several bachelor’s degree programs in entrepreneurship are available online. Some schools require a few on-campus classes. Many online bachelor’s degree programs are intended for students who already have an associate’s degree and have completed pre-business courses in subjects including micro- and macroeconomics, accounting and business law.

    An entrepreneurship program can show students how to form a company’s business plan, problem solve common issues encountered when starting a business and assess the risks involved with various business enterprises. The curriculum also may prepare individuals to apply for certification with the Project Management Institute. The system requirements are Windows 2000, XP, or Vista, or Mac OS X or higher. Students also might need a sound card and speakers.

    Find schools that offer these popular programs

    • Entrepreneurship
    • Small Business Management and Operations

    Bachelor’s Degree in Entrepreneurship

    Online entrepreneur bachelor’s degree programs introduce students to various business, management and marketing strategies. Aspiring entrepreneurs also learn how to formulate and execute a business plan and secure funding for their projects. Most online undergraduate programs in this field require students to complete general education and basic business courses, in addition to 8-12 classes focused specifically on entrepreneurship.

    Program Information and Requirements

    These programs generally can be completed entirely online. However, some colleges and universities require online entrepreneurship students to take at least some courses on campus.

    Undergraduate distance education programs in this field typically require a high-speed Internet connection and either Windows 2000, XP or Vista or Mac OS X or higher. Students also might need a sound card and speakers.

    Common Courses

    In addition to introductory courses in computer science, economics and statistics, entrepreneurship students explore business ethics, human resource management and leadership issues. They also may be able to choose from focused electives, such as interactive e-marketing or financial issues in agribusiness. Some core courses in an online undergraduate program in entrepreneurship might include the following:

    Creating New Ventures

    The process of planning and creating a business plan for a new product or service is the focus of this course. Students also learn about an entrepreneur’s role in economic development, from local to international impact.

    Small Business Financing

    This course covers the start-up costs and day-to-day financial issues facing small business owners. Students explore financing options available to small business and other entrepreneurial ventures through commercial banks, government financing and venture capital investments. They also learn about the initial public offering (IPO) process.

    Marketing Strategies for Small Businesses

    Students learn to develop and implement marketing strategies for the products or services they’ve created. They hone the skills needed to persuasively convey the value of their products and explore ways to deliver those products to their targeted audiences.

    Career Information

    Prospects for those hoping to start a business or launch a product are largely dependent on the state of the U.S. economy. However, graduates of online entrepreneurship programs might also find jobs with existing businesses as sales representatives, financial advisers or marketing executives. Salaries for entrepreneurs vary widely, but the average earnings for job postings with ‘entrepreneur’ in the description was $64,748 as of late 2016, according to

    Continuing Education Information

    Students who want to continue their education in this field might choose to pursue a Master of Business Administration (MBA) with a concentration in entrepreneurship or the less-common Master of Science in Entrepreneurship or Master of Entrepreneurship. These programs are readily available both online and on campus.

    Graduates of an online bachelor’s program in entrepreneurship will be able to assess the needs and enterprises of a business and design effective solution plans. Courses cover topics such as marketing and financing for a small business.

    Next: View Schools

    Insurance Adjusters: Who They Are and How They Handle an Injury Claim #are #public #adjusters #worth #it


    Insurance Adjusters: Who They Are and How They Handle an Injury Claim

    Insurance claims adjusters come with different titles, such as claims specialist, claims representative, or independent claims analyst, but they all do the same job. Understanding who claims adjusters are and how they work to resolve an injury-related insurance claim lets you see that they have no real advantage over you in the negotiation process. Indeed, by having a good understanding of the facts of your own claim, you may well have an advantage over them.

    The Role of the Insurance Adjuster

    When you have filed a claim against someone you believe was responsible for your accident, normally the negotiation process will be with a claims adjuster for that person s liability insurance company.

    Occasionally, a claim is not handled by an insurance company s own adjuster, but instead is referred to a firm of independent insurance adjusters. Insurance companies often do this if they do not have a local claims office in a particular area.

    Independent claims adjusters representing an insurance company operate the same as in-house claims adjusters. The only difference is that they may have a lower authority limit within which to settle a case and therefore must have your settlement amount approved by a claims supervisor at an insurance company office. The negotiation process, however, is exactly the same.

    Public entities such as state governments or large cities that receive lots of claims often have their own claims adjustment offices. The negotiation process with these government claims adjusters works the same as with private insurance adjusters. The only notable difference in negotiating with a government claims adjuster is that if a claim eventually winds up in court, judges and juries tend not to be overly generous in awarding damages with public money. For this reason, government entity adjusters tend to be tighter with settlement money than private insurance adjusters. If you have a claim against a public entity, expect your settlement to be 10% to 25% lower than if it were against a private party.

    It sometimes happens that even though you have not filed a lawsuit, you find an attorney — instead of a claims adjuster — negotiating with you about your claim. Self-insured corporations and some insurance companies without a local claims office sometimes use either their own staff attorney or a local attorney as a claims adjuster. And government entities sometimes have assistant city, county, or state attorneys who deal directly with accident claims even before they get to court.

    If an attorney is handling your claim instead of a claims adjuster, don t panic. In the claims negotiation process, a lawyer cannot do anything different from a non-attorney claims adjuster. A lawyer may bluff a little more than a claims adjuster about the law regarding negligence and liability, but there are easy techniques to call that kind of bluff.

    If you file a claim under your own automobile collision, uninsured, or underinsured motorist coverage, you do not negotiate a settlement with your own insurance agent. All an agent can do is refer your claim to the claims department — and then it is completely out of the agent s hands. You will then negotiate an injury settlement with a claims adjuster who will be acting as the company s representative, not yours.

    How Adjusters Settle Claims

    The job performance of insurance adjusters is judged not only by how little of the insurance company s money they spend in settlements but also by how quickly they settle claims. Most adjusters get between 50 and 100 new claims a month across their desks. They have to settle that many claims — known as clearing or closing a claim file — each month just to stay even. Their performance is also rated on how many claims they can personally settle without having to involve supervisors or insurance company lawyers. Once an adjuster knows that you understand the range of how much your claim is worth, the adjuster will not usually stall your claim.

    During negotiations, you will find that you know much more about your claim than the adjuster does. Except for those assigned to the largest cases, insurance claims adjusters have no special legal or medical training. And most have neither the time nor the resources to investigate or study your claim very carefully.

    The result is that while an adjuster will know more than you about the claims business in general, he or she will not know your particular claim nearly as well as you do. You were there during the accident. You know what your injuries are, how much and where they hurt, and how long they have taken to heal. You have put in the time to understand how the accident happened and to demonstrate through photos and medical records and other documents what your damages were. The insurance adjuster, on the other hand, has only a couple of minutes a week to look at your file. As long as you are organized and understand the process, you are the one with the negotiating advantage.

    The adjuster has the authority to come to an agreement with you on the telephone for what the final settlement amount should be. Once you and the adjuster agree on an amount, the adjuster simply sends you the paperwork to finalize the settlement. But adjusters authority to settle claims on their own is restricted to certain dollar limits. The limits depend on how much experience the adjuster has. For less experienced adjusters, the limit is between $5,000 and $10,000. For more experienced adjusters, the limit is between $10,000 and $20,000.

    An adjuster will not disclose the limits of the adjuster s authority is unless you re going to get an offer higher than that authority. If so, the adjuster will have to ask for approval from a superior usually called a claims supervisor or claims manager. This is neither unusual nor difficult. But if the adjuster does need to check with a supervisor about your settlement offer, get a date by which you will hear back from either one, and then send a letter to the adjuster confirming that date.

    For more details on negotiating an insurance claim, including sample letters to insurance companies, suggestions for handling negotiations, and strategies for dealing with an insurance company that refuses to make a good offer, see How to Win Your Personal Injury Claim . by Joseph L. Matthews (Nolo).

    Get the compensation you deserve.

    IT infrastructure management tools #it #infrastructure #management #tools


    Whenever conversation turns in some specific measurements on network devices, every single time network team guys giving very same question in any project I participate:

    And they are right. They are right asking that even if that looks like measurements are not going to make any impact on devices since the polling frequency or polling amount doesn’t look very huge. Having numbers always better than using common sense.

    I haven’t had chances to make tests on how much IP SLA measurements impacts on devices, but luckily, Cisco guys did that and they posted results. The following results I post here I found in Cisco Press book.

    It’s obvious, that impact on load depends on following parameters:

    • Number of configured operations.
    • Number of probes.

    Also, the version of engine is also very important. Engine version 2 was introduced in IOS 12.2(11)T and later. And it really does have influence on performance as well. Engine v2 has:

    • 20% to 50% reduction in memory consumption pr operation.
    • V2 is backwards compatible. It means, any v1 operation can be achieved on v2 engine.

    The following table illustrates the CPU impact. Cisco 7200VXR NPE225 is taken as an example:

    Number of operations per second

    In one of the projects with IP SLA measurements, our team had a load issue for Cisco routers of multiple IP SLA measurements and demand to keep routers under particular load level from other hand. Since we had a bunch of IP SLA measurements on each router which are caused by probe polls on scheduled intervals, we had load peaks.

    If your routers have an IOS version 12.4(2)T or higher, you can enable IP SLA random scheduler. This feature allows schedule multiple IP SLA operations to start at equally distributed intervals over a specified period of time. So, you can minimize load peaks of IP SLA polls.

    Here is an example of command line on Cisco router:

    More detailed description about this feature I would recommend to read on Cisco web site:

    Looks like System Center geeks are still in their labs and continue improving System Center products. This time SCOM 2007. According to announcements, SCOM 2007 R2 will extend SCOM s functionality and will improve their positions in operations. Here are major features introduced in this release:

    Management of Unix and Linux machines. This is I think the major issue for many customers, where selection of management tool for servers and applications were so limited for SCOM2007 until now. All the rest features also improves SCOM s position in this area.

    Service Level Tracking. This allows to view the infrastructure from a service point of view AND compare with agreed service levels. Before R2, there were opportunity to build some service trees, but R2 with such improvements gives much more. Now IT guys, can have their infrastructure monitoring, compare with SLAs and be cool since real service levels are under control.

    New Monitoring Templates added. Wildcarding in Windows service monitoring, process count enhances possibilities of existing infrastructure monitoring and new templates for Linux and Unix systems allows to expand a list of managed infrastructure.

    Enhanced Usability. MPs can be browsed and downloaded right from SCOM console is the very valuable feature I think. That allows us to downlaod MPs without any hassle.

    Improved Performance. Enhanced reporting times, improved amount of up to 1000 URLs for monitoring per MS are so cool. MS SQL 2008 support added as well.

    I couldn t find any easy to understand comparison data sheet between System Center Configuration Manager 2007 (SCCM) and System Center Essentials 2007 (SCE) in Microsoft website. So I made short comparison table which will give brief understanding main differencies between those two products.

    Application deployment in SCE is limited to exe and msi files and it can be done only on schedule basis.

    Inventory collectionis limited to 30 attributes in SCE and can not be extended like in SCCM. A serial number is not provided in SCE neither.

    In addition, 30 servers can be monitored in SCE.

    My personal recommendation to customers selecting between these two products is like this: it s OK with SCE if you:

    1. Do have other OSD solution or you don t care about it at all;

    2. Your monitoring infrastructure is so small that even monitoring should be done using same tools;

    3. Want to manage less than 500 workstations.

    I have found very nice and detailed paper about operating system deployment (OSD) using SCCM in MyIT Forum and would like to share this link .

    Paper describes OSD very detailed by providing not only step-by-step press the button instructions, but also gives a brief desciption on things are done.

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    Platform as a Service – PaaS – Gartner Cloud Computing #paas #vendors, #it #glossary


    A platform as a service (PaaS) offering, usually depicted in all-cloud diagrams between the SaaS layer above it and the IaaS layer below, is a broad collection of application infrastructure (middleware) services (including application platform, integration, business process management and database services). However, the hype surrounding the PaaS concept is focused mainly on application PaaS (aPaaS ) as the representative of the whole category.

    Plus FREE Gartner Research on Big Data. Information 2020 Beyond Big Data Analytics

    Strategic adoption of PaaS is increasing, while PaaS vendors are continuing to innovate and introduce change. Application leaders responsible for architecture and infrastructure should understand cloud platform market trends to exploit them for competitive advantage.

    The cloud is a platform of continuous innovation, rapid change, business opportunity and vendor hype. Over 200 specialist and generalist PaaS offerings are represented in this comprehensive market analysis, designed for IT leaders guiding their organizations to cloud competence and excellence.

    September 27, 2016

    Moving IT services to Infrastructure as a service (IaaS), platform as a service (PaaS) and software as a service (SaaS) cloud providers profoundly affects the roles and responsibilities of IT. IT Infrastructure Professionals (ITIPs) and managers must think about their roles, hone new skills and build a strategy for staying relevant in the forthcoming IT landscape.

    Application leaders must understand the trends in application platforms to choose and plan new solutions, platform technologies, cloud services, architecture directions, skills, policies and organization models – with confidence. Informed readiness today will translate to business competitive advantage tomorrow.

    IT Manager Training, Jobs, Salary, Skills – Education Requirements #it #manager, #training, #technology, #jobs, #salary, #education #requirements, #certification, #skills, #degree


    IT Manager

    IT managers ensure that their team or department operates efficiently, effectively and inline with organizational goals. These professionals work closely with senior executives and department heads to identify, develop and support new technology solutions. IT managers are also responsible for creating and ensuring adherence to organizational IT policy, procedures and best practices.

    Rapid growth in a range of IT job markets, including networking, cloud computing, software development, data storage and virtualization, plus the proliferation of mobile and wireless technologies, is driving demand for IT workers across the board, which in turn is fueling job growth for the managers who lead and supervise IT personnel. The U.S. Department of Labor predicts IT manager employment to grow by 15% from 2014 to 2024, over twice the 7% growth rate of non-IT management jobs.

    Business and computer schools offer a range of information technology management training programs. Compare top-rated IT management courses and degrees in the U.S. Canada and online.

    a.k.a. Information Systems Manager | IT Administrator | IT Director | Vice President of Information Technology

    IT Manager Skills Responsibilities

    Typical day-to-day activities and in-demand skill sets for technology managers include the following. IT managers:

    • Are responsible for strategic IT planning, including fostering innovation allocating monetary resources.
    • Direct operational IT planning, including planning IT projects and the allocation of manpower resources.
    • Oversee the financial aspects of their IT team or dept. including purchasing, budgeting budget review.
    • Coordinate IT staffing, including hiring, supervision, scheduling, professional development and discipline.
    • Collaborate with and maintain communications with executives and department heads in the organization.
    • Design, implement and enforce the policies, procedures and best practices for their IT team or department.
    • Research IT solutions and make recommendations for the improvement of IT systems and IT infrastructure.
    • Negotiate and approve technology vendor, outsourcing, and consultant contracts and service agreements.
    • Should have superior skills in team leadership, employee development and interpersonal communication.
    • Should have a strong command of project management principles, procedures and best practices.

    IT Manager Salary

    • The average starting salary for IT managers in the U.S. is $132,375.

    IT Manager Salary $132,375

    Starting salary ranges for IT managers and related positions:

    • IT Help Desk Manager: $84,500 – $121,000
    • Telecommunications Manager: $88,500 – $125,000
    • Network Manager: $100,000 – $146,750
    • Information Technology Manager: $105,750 – $159,000
    • Software Development Manager: $105,750 – $160,500
    • Web Development Manager: $111,250 – $154,000
    • Database Manager: $118,000 – $170,500
    • Information Security Manager: $129,750 – $182,000
    • Chief Security Officer (CSO): $140,250 – $222,500
    • Vice President of Technology: $141,000 – $225,000
    • Chief Technology Officer (CTO): $147,500 – $229,000
    • Chief Information Officer (CIO): $172,000 – $268,250

    Source: 2016 IT Salary Guide, Robert Half Technology

    IT Manager Education Requirements

    In addition to some level of technical experience, IT managers are required to have at least a bachelor’s degree education in IT, preferably with well-rounded major such as computer science, information technology or management information systems. Though a bachelor’s degree may be sufficient when balanced with extensive field experience, most hiring managers prefer IT management candidates with a graduate degree. A Master’s of Business Administration (MBA) with a technology concentration is the ideal program for IT managers, as the MBA curriculum covers the business and managerial skills necessary to succeed in a leadership role, and the IT focus teaches managers·how to best apply this knowledge in the technology workplace. Most MBA programs include capstone projects wherein students put their hard-earned skills to the test in a simulated business project to be judged by professors and/or active practitioners in their respective fields.

    Marketable skills to look for in an IT management education program include project management, team leadership, professional development, IT strategy, corporate decision-making, database network management, managerial finance, research analysis methodology, and superior oral, written non-verbal communication skills. With recent technological advancements in online learning platforms, the subject matter in IT manager training programs works better than ever before in the distance learning format.

    Research and compare the top-rated IT management training programs in North America, Canada and online.

    IT Manager Training Degree Programs

    Browse the top-rated undergrad graduate degrees, professional certificates, online training programs and self-paced courses matching the IT Manager education requirements and career path.

    Admissions advisors can provide more info about IT management courses curriculum, admissions start dates, online learning, career opportunities, tuition, personalized financial aid options scholarships.

    Got targeted learning goals? Many schools offer individual courses from campus and online degree programs.

    • Prep for a Range of IT Management Roles with a Focus on Network Security Administration
    • Learn how to Manage and Operate Cisco, Microsoft and Linux Computer Systems
    • Network Security Training in Ethical Hacking, InfoSec Management, and Mobile Security (Android iOS)
    • Includes Exam Prep for Hot IT Certifications from Cisco, Microsoft CompTIA

    Request More Info

    • Includes Certification Preparation for:
      • CompTIA Project+
      • PMI CAPM (Certified Associate of Project Management)
    • Gain the Skills Credentials to Pursue a Range of Technology Management Positions
    • Select, Manage and Close Projects On-Time, Under Budget and to Specifications
    • Explore the Lucrative Field of IT Consulting
    • Use IT to Solve Complex Business Problems
    • Forecast and Capitalize on Tech Innovation

    Request More Info

    • Prepare to Lead Organizations in the Planning, Development, Operation Management of IT
    • Applied Managerial Accounting, Economics, Finance, Marketing and Decision-Making
    • Use IT to Foster a Real Competitive Advantage
    • Learn to Manage Relational Database Systems
    • Networking Telecommunication Management
    • IT Innovation’s Impact on Strategy Operations
    • IT Management and Team Leadership Training

    Find IT Management Schools

    IT Manager Certifications

    Markatable career certifications for information technology executives and managers include:

    IT Management Jobs

    Your IT management education and practical experience qualify you for a variety of lucrative positions including:

    IT Manager Job Outlook

    Employment for IT and information systems managers is expected to increase by 15% from 2014 to 2024, much faster than the average for all occupations. IT managers’ job outlook will be closely tied to the growth of the technology occupations they supervise; rapid growth in a range of IT domains – including network database administration, web mobile application development, cloud computing and virtualization technologies – will continue to drive demand for information technology workers for years to come, in turn fueling the need for talented IT managers.

    Job prospects for qualified IT managers are “excellent” according to the U.S. Labor Department. IT management job candidates with specialized technical knowledge experience, superior communication skills, and strong business acumen, as well as those holding an advanced degree with a tech-focused concentration will enjoy the best hiring prospects.

    Source: U.S. Bureau of Labor Statistics’ 2016-2017 Occupational Outlook Handbook (OOH)

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    Subject Matter Expert Contributor

    Daniel Greenspan is an IT education specialist, web designer and entrepreneur living in New York City. Working closely with IT professionals, world-class trainers and technology executives since 2005 has given him a unique perspective into the IT job market and the skills and credentials IT professionals need to succeed.