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Business Customers – Suddenlink – Eureka, CA – Telecommunications Businesses

#telecommunications #businesses, #local # # #long #distance #telephone #service, #cable #television #companies # # #services, #satellite #television #service, #internet #providers, #satellite # # #antenna #equipment #repair, #satellite #television #services, #telecommunications #services, #cable #and #other #program #distribution, #internet #service #providers, #satellite #communications #services, #internet #service #and #access #providers, #satellite #equipment # # #system #repair, #internet, #satellite #equipment # # #systems #repair # # #service, #telephones #communications #services, #television #cable # # #catv # # #satellite #systems #companies


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Suddenlink

Suddenlink – Business Customers in Eureka, CA – Humboldt County is a business listed in the categories Telecommunications Businesses, Local & Long Distance Telephone Service, Cable Television Companies & Services, Satellite Television Service, Internet Providers, Satellite & Antenna Equipment Repair, Satellite Television Services, Telecommunications Services, Cable And Other Program Distribution, Internet Service Providers, Satellite Communications Services, Internet Service And Access Providers, Satellite Equipment & System Repair, Internet, Satellite Equipment & Systems Repair & Service, Telephones Communications Services and Television Cable & Catv & Satellite Systems Companies. If you did business with Suddenlink, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Telecommunications Businesses, Local Long Distance Telephone Service, Cable Television Companies Services, Satellite Television Service, Internet Providers, Satellite Antenna Equipment Repair, Satellite Television Services, Telecommunications Services, Cable and Other Program Distribution, Internet Service Providers, Satellite Communications Services, Internet Service and Access Providers, Satellite Equipment System Repair, Internet, Satellite Equipment Systems Repair Service, Telephones Communications Services, Television Cable Catv Satellite Systems Companies


California s Low Cost Auto Insurance Program, automobile insurance providers.

#Automobile #insurance #providers


California’s Low Cost Auto Insurance Program

Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

About California’s Low Cost Automobile Insurance Program

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

CLCA important links:

  • Reports to the Legislature and Consumer Education and Outreach Plans
  • CLCA Tip Card (PDF)
  • Cost of CLCA Insurance Rates Sheet by County 201 7
  • Cost of CLCA Optional Rates Sheet 201 7
  • Good Driver Definition (PDF)
  • Applicant Income Eligibility Requirement (PDF)
  • Request CLCA Tip Cards to be mailed to your organization.
  • Invite CEOB to your outreach event or meeting!
  • If you have a question about the CLCA program, send us an e-mail!

Contact Us:

The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

Consumer Education and Outreach Bureau

300 S. Spring Street, South Tower

Los Angeles, CA 90013

Toll free (877) 401-9550

The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


Relocate to Tucson – Tucson Metro Chamber #internet #providers #in #tucson #az


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Relocate to Tucson

Department of Transportation
The Transportation Department also operates Tucson’s metropolitan transit system, including Sun Tran Buses and special transport vans, or Sun Van, for those with special needs.
www.tucsonaz.gov/transportation
4220 S Park Ave
Tucson, AZ 85714
Schedule Information: 792-9222
Sun Van Reservations: 620-1234
Special Service: 791-4100

Tucson International Airport
www.flytucsonairport.com
7250 South Tucson Boulevard
Tucson, AZ 85756
Phone: (520) 573-8100

Marana Regional Airport
www.flymarana.com
11700 W Avra Valley Rd.
Marana AZ, 85653
Phone: (520) 382-8052

Port of Tucson
www.portoftucson.net
6964 E. Century Park Drive
Tucson, Arizona 85756
Phone: (520)623-1411

City of Tucson
The Department of Transportation is responsible for maintaining City streets, street signs, traffic signals and street lighting.
dot.ci.tucson.az.us
201 N Stone
Tucson, AZ
Street Maintenance: (520) 791-3154
After Hours/Weekends: (520) 791-4144

Pima County
Pima County Transportation oversees County Street and roads. Regional Flood Department oversees flood control operations.
dot.pima.gov
201 N. Stone
Tucson, AZ
Road Maintenance: (520) 740-2639
Emergencies: (520) 295-4595
Transportation Problems: (520) 740-6410

Regional Flood Department
Flood Control Flooding Problems: (520) 243-1800
rfcd.pima.gov

State of Arizona
The State Department of Transportation maintains the region’s designated State routes, including Interstate 10.
www.azdot.gov
1444 W Grant Rd
Tucson, AZ
I-10 Maintenance: (520) 628-5700
Other Maintenance: (520) 628-5705

Banner University Medical Center North Campus
1501 N. Campbell Avenue
Tucson, AZ 85724
Phone: (520) 694-0111

Banner University Medical Center South Campus
2800 E. Ajo Way
Tucson, AZ 85713
(520) 874-2000

HealthSouth Rehabilitation Institute of Tucson
2650 N. Wyatt Drive
Tucson, AZ 85712
Phone: (520) 325-1300

Holy Cross Hospital
1171 W. Target Range Road
Nogales, AZ 85621
Phone: (520) 285-3000

Kindred Hospital
355 N. Wilmot Road
Tucson, AZ 85711
Phone: (520) 584-4500

Northwest Medical Center
6200 N. La Cholla Blvd.
Tucson, AZ 85741
Phone: (520) 742-9000

Oro Valley Hospital
1551 E. Tangerine Road
Oro Valley, AZ 85755
Phone: (520) 901-3500

Southern Arizona VA Health Care System
3601 S. 6th Avenue
Tucson, AZ 85723
Phone: (520) 792-1450 | 800-470-8262

St. Mary’s Hospital
1601 W. Saint Mary’s Road
Tucson, AZ 85745
Phone: (520) 872-3000

St. Joseph’s Hospital
350 N. Wilmot Road
Tucson, AZ 85711
Phone: (520) 873-3000

Tucson Medical Center
5301 E. Grant Road
Tucson, AZ 85712
Phone: (520) 327-5461

Tucson Electric Power Company
TEP provides electrical service to most area residences and businesses. Its Customer Service Office is open 7:00 am – 7:00 pm (M-F).
www.tep.com
PO Box 711
Tucson, AZ 85702
Customer Service: (520) 623-7711
Informacion en Español: (520) 623-7722
Outages/Storm Damage: (520) 623-7711
Other Emergencies 24 Hrs/7 Days a Week: (520) 623-3451

Trico Electric Cooperative
Trico is a non-profit, member-owned cooperative that economically provides safe, reliable electricity that optimizes benefits for their members and their communities.
www.trico.coop
8600 W. Tangerine Rd.
Marana, AZ 85658
Phone: (520) 744-2944

Southwest Gas Corporation
Southwest Gas provides natural gas service to most area residences and businesses. Its Customer Service Office is open 8:00 am – 5:00 pm (M-F).
www.swgas.com
3401 E. Gas Road
Tucson, AZ 85714
Customer Service: (520) 889-1888
Gas Leak/Emergency: (520) 746-1076
General Offices: (520) 889-5600

Tucson Water Department
Tucson Water Department provides water service to most City residents and a large number of other area communities.
www.tucsonaz.gov/water
310 W Alameda
Tucson, AZ 85701
Customer Services: (520) 791-3242
Emergency/After Hours: (520) 791-4133
General Information: (520) 791-4331

Metro Water District
Metro Water provides water service primarily in the northwest metropolitan Tucson area.
www.metrowater.com
6265 N. La Canada
Tucson, AZ 85704
General Information: (520) 575-8100

CenturyLink
www.centurylink.com
333 E. Wetmore Rd. Third Floor
Tucson, AZ 85705
Phone: (520) 838-3000
*CenturyLink is the official provider of Advanced, IP Voice Communication Services for the Tucson Metro Chamber

Cox Communications
www.cox.com
1440 E. 15th Street
Tucson, AZ 85719
Phone: (520) 867-7470

Nextiva
www.nextiva.com
8800 E. Chaparral Rd. Ste 300
Scottsdale, AZ 85250
Phone: (800) 799-0600

City of Tucson Recycling
Environmental Services provides residential collection of recyclable materials.
www.tucsonaz.gov/esd
4004 S. Park Ave
Tucson, AZ
Recycling Information Line: (520) 791-5000

City of Tucson
Environmental Services provides residential and commercial refuse collection for City residents and businesses. Billing for refuse collection is included in your monthly water bill.
www.tucsonaz.gov/esd
4004 S. Park Ave
Tucson, AZ
Customer Service: (520) 791-3171
Commercial Services: (520) 791-3171

Landfills
Landfill Information: (520) 791-5085
Pima County Information: (520) 243-7300
Public Works Department General Environmental Landfill Information: (520) 740-4014

Waste Management, Inc.
www.wmofarizona.com
5200 W. Ina Road
Tucson, AZ 85743
Customer Service: (520) 744-2600

Pima County Wastewater Management operates the sewer system in the metropolitan Tucson area, including the City of Tucson.
Sewer Emergencies: (520) 443-6500
General Information: (520) 740-6500
Billing: (520) 740-6609



  • Satellite Internet Providers #business #class #internet #providers


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    Skycasters Satellite Internet Service

    When it comes to satellite Internet service providers, you have a choice to make. However, when you need business class satellite Internet service, there is really only one choice to make. You need Internet that is fast, reliable, and always available. In any economy, your business can’t afford to miss any opportunity. That makes your Internet more important than ever. As the new generation gets older, they are relying more on electronic communications, like emails and texting, rather than making phone calls. Even older generations are turning to the Internet as their main source of communication. With the right Internet provider, you will make sure that you meet the needs of all your clients. You will also be assured that your Internet will be there when you need it most. After all, what good is connectivity if it doesn’t come with the speed to handle all of your communication needs?
    Skycasters is the leader in broadband satellite Internet for business entities that need more than traditional terrestrial landlines. Unlike other satellite Internet providers, everything in our infrastructure—from our teleports and hubs to the network operating center—is business-grade and company-owned.

    Advanced
    Infrastructure

    All of our equipment is company-owned, which allows us to give you more reliable, more cost-effective services than the competition

    FASTER
    Connection

    You can’t afford to lose speed when it comes to your business’ operations. We have the resources you need to maintain, and improve, your speed

    Peerless
    Customer Service

    Our team is dedicated to your success. Contact us directly for 24/7 customer support and more!

    Akron, OH – February 13, 2017 Twice a year, Skycasters likes to take a little time to post on our blog and news section about sun fade, a condition which affects all satellite communications. In late winter and again in mid-fall, the sun lines up with the Earth and interrupts transmissions to communications satellites. Our [ ]

    Akron, OH – September 7, 2016 Twice a year, Skycasters likes to take a little time to post on our blog and news section about sun fade, a condition which affects all satellite communications. In late winter and again in mid-fall, the sun lines up with the Earth and interrupts transmissions to communications satellites. Our [ ]

    News for Visitors

    Just in time for Satellite 2016 and the company s 15th anniversary, Skycasters has incorporated exciting new technology allowing the release of new service plans. At Skycasters, high speed reliable connectivity for our customers is only part of our mission. With these advances, Skycasters is releasing new service plans at Satellite 2016, which still include their [ ]

    In the face of disaster, sustaining channels for communication can be critical. Emergency response teams must give instruction, exchange logistical information, and provide key updates to ensure recovery efforts can proceed. Yet traditional ground communication may be compromised as a result of a disaster, and repairing these channels is often the last thing any response [ ]



    Northern Arizona loses Internet, phone lines as CenturyLink fiber-optic line cut by vandals – CBS News, internet providers flagstaff.#Internet #providers #flagstaff


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    Vandals cut northern Arizona’s digital umbilical cord

    Last Updated Feb 26, 2015 12:35 PM EST

    Internet providers flagstaff

    FLAGSTAFF, Ariz. — People across northern Arizona couldn’t use the Internet, their cellphones or landlines for several hours Wednesday after someone vandalized a fiber-optic line that brings communications to a large part of the state, officials said.

    Businesses couldn’t process credit card transactions, ATMs didn’t function, law enforcement databases were unavailable, and even weather reports were affected in an area stretching from north of Phoenix to Flagstaff, about 100 miles away.

    CenturyLink spokesman Alex Juarez said the problem was first reported around noon Wednesday. Internet and phone service started to come back to some residents and businesses in Flagstaff by 6:30 p.m.

    He said in an email sent shortly after 3 a.m. MST Thursday that “all services in North Phoenix and Northern Arizona, lost due to vandalism, have been restored.”

    There was no estimate available on how many people were affected.

    Phoenix police said CenturyLink employees found that the fiber-optic cable in far north Phoenix had been completely cut through. Police were investigating the incident.

    The cable, which CenturyLink owns, is near a riverbed in an area that isn’t accessible to vehicles. It carries signals for various cellphone, television and Internet providers that serve northern Arizona.

    According to Juarez, technicians from Monroe, Louisiana-based CenturyLink had to go through a long, tedious process of inspecting the line “mile by mile.” Meanwhile, Flagstaff’s 69,000 residents tried to go about their daily business.

    Zak Holland, who works at a computer store at Northern Arizona University, said distraught students were nearly in tears when he said nothing could be done to restore their Internet connection.

    “It was kind of a slap in the face if the Internet goes down,” Holland said. “It just goes to show how dependent we are on the Internet when it disappears.”

    Many students told Holland they needed to get online to finish school assignments. University spokesman Tom Bauer said it was up to individual professors on how to handle potentially late assignments.

    In Prescott, businesses were open and trading on the famous “Whiskey Row.” Residents told CBS 5 News-KPHO that being hurled 25 years into the technological past was really just a an inconvenience.

    “No one’s phones work, their internet’s down, none of our computers work, ATMs are down,” said a bartender at the Whiskey Row Pub, where transactions were being conducted in cash-only.

    Kate Hance and Jessie Hutchison stopped at a Wells Fargo ATM to get cash because an ice cream shop couldn’t take credit cards without a data connection. They left empty-handed because the outage also put cash machines out of service.

    “It’s moderately annoying, but it’s not going to ruin my day,” Hutchison said.

    Staff at Bookmans Entertainment Exchange in Flagstaff said they tried for about 45 minutes to restore their Internet connection before employees realized their equipment wasn’t the problem.

    People often go to the popular bookstore and cafe to do homework, listen to music, watch movies and browse jobs online. Some set down their computers Wednesday only to walk out minutes later after learning Internet service was down.

    Staff suggested to kids bewildered by the technical problem that they should read a book.

    Cordell Charley just finished some online banking when the outage happened and shut off his computer to grab lunch.

    “You just feel lost,” he said. “It’s like, what happened?”

    Mark Goldstein, secretary for the Arizona Telecommunications and Information Council, said CenturyLink’s cable likely has bundles of fibers that can be leased to multiple service providers. If the line follows only one direction with no alternative paths to reroute service, then any damage to the line will wreak havoc.

    At Flagstaff City Hall, employees were unable make or receive calls at their desks.

    “It’s quieter than usual,” said Stephanie Smith, assistant to the city manager. “The good thing is there is still lots of work to get done even without phones ringing.”

    The city was relying on the Arizona Department of Public Safety to assist with dispatching police and fire services.

    In Prescott Valley, about 75 miles north of Phoenix, authorities said 911 service was being supplemented with hand-held radios and alternate phone numbers. Water and sewer facilities switched to manual operations, and residents needed cash to make utility and court payments.

    Yavapai County spokesman Dwight D’Evelyn said 911 lines were limited Wednesday afternoon and authorities couldn’t access law enforcement databases.

    Weather reports from the region weren’t able to reach anyone. During their evening newscasts, Phoenix television stations showed blank spaces on their weather maps where local temperatures would normally appear.

    2015 CBS Interactive Inc. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed. The Associated Press contributed to this report.



    Cisco SPA8000 8-Port IP Telephony Gateway Cisco Small Business Voice Gateways and ATAs Data Sheet #ip #telephony #providers


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    Cisco SPA8000 8-Port IP Telephony Gateway Cisco Small Business Voice Gateways and ATAs Data Sheet

    High-Density VoIP Gateway for Analog Devices

    ● Connect up to eight analog devices to your IP network, such as fax, standard phone, or overhead paging system

    ● Continue to use existing analog phones on your VoIP system

    ● Excellent for IP Centrex deployments, providing remote provisioning and support for dynamic, in-service software upgrades

    ● Clear, high-quality voice communication, using standards based voice codec’s and quality of service

    Figure 1. Cisco SPA8000 8-Port IP Telephony Gateway

    The Cisco SPA8000 8-Port IP Telephony Gateway (Figure 1) is a full-featured analog telephone adapter (ATA) for small businesses, providing enhanced communication services via a broadband connection to the Internet.

    The Cisco SPA8000 features eight RJ-11 FXS ports to connect analog telephones to IP-based data networks and includes a single multiport RJ-21 50-pin connector, offering an alternative connection choice when deploying the telephony gateway in varied environments. The device also has one 10/100BASE-T RJ-45 Ethernet interface to connect to either a router or a multilayer switch.

    Solid in design, the Cisco SPA8000 is an affordable solution that is ideally suited for use in business and consumer voice over IP (VoIP) service offerings, including call centers and multidwelling environments. Customers can protect and extend their investment by continuing to use their existing analog telephones and teleconferencing equipment.

    Installed by the end user and remotely provisioned, configured, and maintained by the service provider, each Cisco SPA8000 converts voice traffic into data packets for transmission over an IP network and uses common standards for voice and data networking for reliable voice and fax operation.

    ● Toll-quality voice and carrier-grade feature support: The Cisco SPA8000 delivers clear, high-quality voice communication in diverse network conditions. Excellent voice quality in a demanding IP network is achieved via the advanced implementation of standard voice coding algorithms. The SPA8000 is interoperable with common telephony equipment such as voicemail, fax, private branch exchange (PBX), and interactive voice response systems.

    ● Large-scale deployment and management: The Cisco SPA8000 enables service providers to provide customized services to their subscribers. It can be remotely provisioned and supports dynamic, in-service software upgrades. A highly secure profile upload saves providers the time and expense of managing and preconfiguring or reconfiguring customer premises equipment (CPE).

    ● Ironclad security: Cisco understands that security for both end users and service providers is a fundamental requirement for a solid, carrier-grade telephony service. The Cisco SPA8000 supports highly secure, encryption-based methods for communication, provisioning, and servicing.

    ● Eight voice ports (RJ11) for analog phones or fax machines

    ● Impedance agnostics: eight configurable settings

    ● Call waiting, cancel call waiting, call waiting caller ID

    ● Caller ID with name and number (multinational variants)

    ● Caller ID blocking

    ● Call forwarding: no answer, busy, all

    ● Three-way conference calling with local mixing

    ● Message waiting indication-visual and tone based

    ● Call back on busy

    ● Call blocking with toll restriction

    ● Distinctive ringing-calling and called number

    ● Off-hook warning tone

    ● Selective/anonymous call rejection

    ● Touch-tone phone keypad configuration with interactive voice response (IVR)

    ● Fax: G.711 pass-through or real-time fax over IP via T.38 (T.38 support is dependent on fax machine and network/transport resilience)

    Table 1 contains the specifications and package contents for the Cisco SPA8000 8-Port IP Telephony Gateway. Table 2 compares the SPA8000 with other Cisco Small Business Voice products.

    Table 1. Specifications for the Cisco SPA8000 8-Port IP Telephony Gateway

    * Note: Many specifications are programmable within a defined range or list of options. Please see the Administration Guide for details. The target configuration profile is uploaded to the SPA8000 at the time of provisioning.

    Cisco Limited Warranty for Cisco Small Business Series Products

    This Cisco Small Business product comes with a 1-year limited hardware warranty with return to factory replacement and a 90-day limited software warranty. In addition, Cisco offers software application updates for bug fixes and telephone technical support at no charge for the first 12 months following the date of purchase. To download software updates, go to: http://www.cisco.com/go/smallbiz .

    Product warranty terms and other information applicable to Cisco products are available at http://www.cisco.com/go/warranty .

    Financing to Help You Achieve Your Objectives

    Cisco Capital can help you acquire the technology you need to achieve your objectives and stay competitive. We can help you reduce CapEx. Accelerate your growth. Optimize your investment dollars and ROI. Cisco Capital financing gives you flexibility in acquiring hardware, software, services, and complementary third-party equipment. And there’s just one predictable payment. Cisco Capital is available in more than 100 countries. Learn more .

    For More Information

    For more information on Cisco Small Business products and solutions, visit: http://www.cisco.com/smallbusiness .



    What is Software as a Service (SaaS)? Definition from #erp #service #providers


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    Software as a Service (SaaS)

    Software as a service (SaaS) is a software distribution model in which a third-party provider hosts applications and makes them available to customers over the Internet. SaaS is one of three main categories of cloud computing. alongside infrastructure as a service (IaaS) and platform as a service (PaaS).

    Download this free guide

    Download: Compare the cloud services of Azure, AWS, and Google

    These three vendors offer services ranging from big data in the cloud to serverless computing and more. Read on for a vendor-neutral comparison by our experts.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

    You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

    SaaS removes the need for organizations to install and run applications on their own computers or in their own data centers. This eliminates the expense of hardware acquisition, provisioning and maintenance, as well as software licensing, installation and support. Other benefits of the SaaS model include:

    Flexible payments. Rather than purchasing software to install, or additional hardware to support it, customers subscribe to a SaaS offering. Generally, they pay for this service on a monthly basis using a pay-as-you-go model. Transitioning costs to a recurring operating expense allows many businesses to exercise better and more predictable budgeting. Users can also terminate SaaS offerings at any time to stop those recurring costs.

    Scalable usage. Cloud services like SaaS offer high scalability, which gives customers the option to access more, or fewer, services or features on-demand.

    Automatic updates: Rather than purchasing new software, customers can rely on a SaaS provider to automatically perform updates and patch management. This further reduces the burden on in-house IT staff.

    Accessibility and persistence: Since SaaS applications are delivered over the Internet, users can access them from any Internet-enabled device and location.

    But SaaS also poses some potential disadvantages. Businesses must rely on outside vendors to provide the software, keep that software up and running, track and report accurate billing and facilitate a secure environment for the business’ data. Providers that experience service disruptions, impose unwanted changes to service offerings, experience a security breach or any other issue can have a profound effect on the customers’ ability to use those SaaS offerings. As a result, users should understand their SaaS provider’s service-level agreement. and make sure it is enforced.

    SaaS is closely related to the ASP (application service provider) and on demand computing software delivery models. The hosted application management model of SaaS is similar to ASP: the provider hosts the customer’s software and delivers it to approved end users over the internet. In the software on demand SaaS model, the provider gives customers network-based access to a single copy of an application that the provider created specifically for SaaS distribution. The application’s source code is the same for all customers and when new features are functionalities are rolled out, they are rolled out to all customers. Depending upon the service level agreement (SLA), the customer’s data for each model may be stored locally, in the cloud or both locally and in the cloud.

    Organizations can integrate SaaS applications with other software using application programming interfaces (APIs). For example, a business can write its own software tools and use the SaaS provider’s APIs to integrate those tools with the SaaS offering.

    There are SaaS applications for fundamental business technologies, such as email, sales management, customer relationship management (CRM), financial management, human resource management, billing and collaboration. Leading SaaS providers include Salesforce, Oracle, SAP, Intuit and Microsoft.

    SaaS applications are used by a range of IT professionals and business users, as well as C-level executives .

    This was last updated in May 2016

    Next Steps

    Jama Software may be easier to use than you think

    markm20 – 23 Sep 2012 6:18 AM

    Unlike traditional software which is conventionally sold as a perpetual license with an up-front cost (and an optional ongoing support fee), SaaS providers generally price applications using a subscription fee, most commonly a monthly fee or an annual fee. Consequently, the initial setup cost for SaaS is typically lower than the equivalent enterprise software. SaaS vendors typically price their applications based on some usage parameters, such as the number of users ( seats ) using the application.

    AnonymousUser – 20 Jan 2013 2:11 PM

    Roughly 50% of all SaaS contracts aren’t on a subscriber’s contract template. To put yourself in the best possible position to use your SaaS or cloud computing contract template, you have to get the contract template in front of prospective bidders as a part of a competitive bid. But that implies you have a SaaS contract template to begin with. For a comprehensive SaaS contract and to learn how to negotiate critical cloud terms and conditions, check out the Contract Negotiation Handbook: Software as a Service.

    AnonymousUser – 19 Sep 2013 11:16 PM

    BenefitsPark provide SaaS based EDI Tool in USA, it has provided an access to even the small organization and to effectively integrate it into their systems for better operational efficiency



    VoIP Service – VoIP Phone Service by ViaTalk VoIP Provider #internet #phone, #internet #phone #service, #broadband #phone, #broadband #phone #service, #broadband #phone #services, #broadband #phone #system, #broadband #phone #provider, #broadband #phone, #internet #phone, #digital #phone, #digital #phone #service, #digital #phone #provider, #internet #phone #calls, #voip, #voip #provider, #voip #providers, #voip #service, #voip #services, #residential #voip, #business #voip, #cheap #phone #service, #unlimited #long #distance


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    Special 1 Day VoIP Sale!

    Sign up for VoIP service today before 11:59 PM EST and pay only $189 a year with one year free! Thats only $7.87 a month for 2 years of unlimited calling! With 2 unlimited phone lines, free International calls* and 40 plus calling features this is one offer you don’t want to miss!

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    ViaTalk offers over 40 unique calling features included with each plan. ViaTalk is re-writing the rules for VoIP service flexibility and ease of use.

    Check voicemail via phone, web browser, or email!

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  • 1st Providers Choice #leading #providers #of #emrs


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    1st Providers Choice

    Since 1983 providers all over the U.S. have enjoyed the flexibility and power of our software. 1st Providers Choice specializes in Electronic Health Records Practice Management Software designed to help practices improve the quality of care, reduce risk, cut costs, and increase revenues.

    Customer Service is Our #1 Focus

    Appropriate for any sized practice—from a small solo practice, to a large multi-provider/multi-location group—this feature-rich system allows you to create and maintain patient billing information and Electronic Health Records faster and more efficiently than ever before.

    Testimonial

    Choosing 1st Providers Choice as a business partner has been an excellent choice for our office. We received extensive training from the educational team and find the program to be very user friendly. Scheduling is easy and our billing process has been greatly expedited. The EHR part of the program is easy to work, saves time and helps prevent errors. We have successfully implemented the built-in fax and camera features. 1st Providers Choice is a progressive company that keeps up-to-date on laws and changes and offers excellent support. Thanks, 1st Providers Choice, for helping our office run more efficiently. We really like this program.

    Latest Blog Posts

    Leading Podiatry EHR, Billing Management Software Demonstrated Live at The National 2017 American Podiatric Medical Association (APMA) Annual Scientific Meeting in Nashville July 27 to July 30th Booth #722
    July 21, 2017

    The APMA 2017 Annual Scientific Meeting (also known as The National) will be held July 27–30 in Nashville, TN, at the Gaylord Opryland Resort Convention Center. Leading podiatry professionals will gather for this four-day educational event, projected to be Continue reading

    Leading ASC EHR, Billing Management Software Demonstrated Live at FSASC Annual Conference Trade Show in Orlando July 12th to July 14th
    June 28, 2017

    The 2017 Florida Society of Ambulatory Surgical Center (FSASC) Annual Conference Trade Show, which will take place in Orlando, FL, at the Walt Disney World Swan and Dolphin Resort, will be a great way for ambulatory surgical center teams Continue reading

    Demonstration of Leading ASC EHR, Billing Management Software at Arizona Ambulatory Surgery Center Association 2017 Annual Conference in Scottsdale June 29th to June 30th
    June 16, 2017

    1st Providers Choice is excited to announce that we will once again be participating in the Arizona Ambulatory Surgery Center (AASCA) 2017 Annual Conference in Scottsdale, Arizona. The two-day educational event that will draw leading industry professionals from around the Continue reading

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    Voice over ip #voip #providers #list, #voice #over #ip, #voip #service #providers, #


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    Recently Google has released its new Nexus 6 mobile phone, and it comes with several tweaks, one of which is the fact, that the device is locked for several carriers. Previously Nexus smart phones were open for all carriers and any SIM cards, but it seems that Nexus 6 still can be useful for various carriers in some cases.

    With more than 45% of consumers are expected to buy smart phones or any other digital devices during this festive season, voipproviderslist.com has created a list of shop advices for parents where to get a first mobile phone for their child.

    Mobile Internet revolution does not show any signs of slowing down, with income almost 73 Billion GBP per year for TOP5 European countries.

    CounterPath Corporation, being the true leader in sector of differentiated mobile VoIP software applications, has announced about deployment of its Bria Mobile softphone by VirtualPBX.com, in order to empower subscribers of company’s VirtualPBX service to transform their cellular phones into VoIP endpoints that are operationally completely interchangeable with the appropriate business VoIP platforms.

    Companies Accenture and one of the prominent eCommerce entity Acquity Group have announced a definitive agreement. In framework of the initiative Accenture acquires Acquity, thus improving marketing positions and extending the outreach of IT services that Accenture brings up to its customer base.

    Providers List



    Switchboard Phone System 2017 Buyers Guide #hosted #phone #system #providers


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    Office Phone Switchboard Systems

    Despite its invention over a century ago, the switchboard phone system remains an essential element of business communications.

    Phone calls are the first point of contact with potential customers for many brands, so choosing the right phone system is key to delivering the highest levels of customer satisfaction.

    There are an array of modern switchboard phone systems in the marketplace today. Read on to learn whether a switchboard phone system is right for your business.

    What is a switchboard phone system?

    Today, the switchboard is a highly automated, sophisticated system fully integrated with the latest Internet-based phone systems. It may not even be called a switchboard, but it delivers all features and benefits of a traditional system, and much more. And, as an added bonus, it can give you significant savings on infrastructure and operating costs.

    The latest switchboards are more likely to be called PBXs (Private Branch Exchange) or virtual switchboards. They have the essential functionality to greet callers, provide them with options, route calls to the correct extension and manage call queues, with or without the assistance of an operator.

    If you are planning to upgrade your phone system and you currently have an analogue telephone switchboard or PBX, take a look at the new generation of virtual switchboard solutions.

    If you’re not sure which provider would suit you best, let us help and simply complete our short form today.

    Advantages of Phone Switchboards

    With the advances connected to phone switchboards the advantages for businesses have grown as a result. Whatever type of switchboard solution you decide to implement it is important you choose the right one that offers the most benefits for your organization’s communication process.

    Transfer Calls To Any Location

    The most important advantage they offer is that they are Internet-based. That means they can transfer calls to any location or any device with an Internet connection. If your business has employees who work from home, freelance contractors or sales representative and service engineers in the field, no problem. A virtual switchboard system can reach them. It doesn’t matter if they use home phones, office desk phones or mobile devices, they remain in contact.

    Reduce Your Infrastructure And Maintenance Costs

    A second advantage is that you don’t have to house the system on your own premises. You can take a hosted solution, which is managed and maintained by a service provider ‘in the cloud’. You won’t have any upfront costs for infrastructure and you won’t need a technician on site to run the system. Instead, you pay an affordable monthly fee that covers management, maintenance and upgrades.

    Benefit From Advanced Functionality

    Modern PBXs are generally part of a wider Internet telephony system such as Voice over Internet Protocol (VoIP) or Unified Communications (UC). These systems add even more functionality to the modern switchboard system.

    One of the most useful features is Presence. That tells the system or the operator if an employee is available to take calls, does not wish to be disturbed or is not available. The switchboard can then route calls to another extension if a contact is not available.

    VoIP and UC systems also enable employees to set their own call forwarding preferences. If their office phone does not answer, the virtual switchboard can forward the call to mobile numbers, home phones, voicemail or other devices. That helps ensures callers get a response, rather than a phone just ringing.

    Modern switchboard systems also support multiple communication channels, so callers can make contact by their preferred method, which could include email, voice, text, chat or Instant Messaging.

    Expand Capacity As You Need It

    Hosted switchboard solutions offer another important advantage – scalability. If your business grows, or call volumes increase temporarily, you can increase capacity on demand. There is no need to install new lines or keep customers waiting in lengthy queues. Hosted switchboards give you much greater flexibility.

    Find the right switchboard phone system for your phone business by comparing solutions.

    Choose The Right Switchboard Solution

    There are many benefits in deploying a modern switchboard system, but it’s important to choose a solution that meets your business, operational and financial needs. At the end of this article, you will find information on some of the best switchboard systems available. But before you contact a supplier, it can help to be aware of the main options when it comes to selecting the type of switchboard solution you need.

    There are three main categories:

    • Virtual PBX
    • Interactive Voice Response (IVR)
    • Automatic Call Distribution (ACD)

    Virtual PBX

    A virtual PBX is ideal for businesses that want an affordable solution that gives them switchboard functionality. This solution is hosted in the cloud. eliminating infrastructure and maintenance costs. The virtual switchboard can route calls to the correct extension in any location, manage queues, put callers on hold and alert employees when calls are waiting.

    This is a great solution for small businesses that want the equivalent of an automated answering system that provides a professional response to callers and ensures everyone in the business remains in contact.

    Interactive Voice Response (IVR)

    An IVR system takes virtual reception a stage further and automates call response so you don’t need a switchboard operator. Callers receive recorded greeting and a series of options, such as ‘press 1 for sales’ or ‘press 2 for customer service’. The system forwards the calls to the correct department. Inbound IVR is an ideal system for businesses that wants to route calls to specific departments or allow customers to choose from a larger menu of options.

    Outbound IVR systems are a useful way to automate the distribution of customer communications, such as appointment reminders, sales or service follow-ups. They enable call centres to build engagement with customers through regular communications and to personalise contacts when IVR is integrated with a customer relationship management (CRM) system.

    IVR systems are also available that integrate inbound and outbound functionality.

    Automatic Call Distribution (ACD)

    This type of system is suitable for call centres or larger businesses with sales or customer service teams. ACD systems, as the name suggests, route incoming calls to agents based on predefined business rules. The rules help to ensure a call is answered by an agent with the right skills or product knowledge. However, in busy periods, calls may be routed to the first available agents.

    Set Out Your Requirements

    Before contacting a service provider, you need to draw up a specification for your switchboard system. Do you want a hosted solution or a system on your own premises? What features do you need? How many lines do you need initially, and is the system scalable? An Internet search can help you identify a shortlist of potential suppliers, but take time to discuss your needs in detail with each provider.

    Phone Switchboard Comparison

    Below, you’ll find a small selection of systems from reputable manufacturers.

    MiTel MiVoice Office 400 Series

    MiVoice Office 400 Series

    The MiTel MiVoice Office 400 Series incorporates the Mitel MiVoice 1560 PC Operator, which combines a PC and a telephone. The PC provides a central point of information to support efficient call handling and call management.

    Operators can take, make or forward calls via the PC or any MiVoice Office 400 system phone. This system provides operators with direct access to a wide range of information, as well as flexible call management. The switchboard displays incoming callers’ names to allow a personal greeting. It also indicates presence information so that calls can be routed to the right person or a colleague.

  • Customizable screen layout
  • Caller ID
  • Status information on all employees
  • Call transfer by mouse click or key
  • Alerts by text or email
  • Integration with MiTel MiVoice Office 400 Series

    MiTel MiVoice 4224 Digital Phone

    MiVoice 4224 Digital Phone

    The MiVoice 4224 Digital Phone is designed for operators working with MiTel MX-ONE and BusinessPhone PBXs. Packed with features including the numeric keypad providing single access to all call-handling functions.

    The MiTel MiVoice 4224 Digital Phone model has a large, five-row adjustable graphical display that provides a clear layout for status and call information.

  • A five-row adjustable graphical display
  • 12 function keys with LEDs
  • 4 large Clear and Speech keys with LEDs
  • 1 large Answer/Extend key
  • Headset port
  • Programmable ringer loudness and tone character
  • Acoustic shock protection

    Find out more about the entire Mitel phone system range on our manufacturer profile page.



  • CES 2016: Why the IoT needs fiber-optic broadband to succeed #fiber #optic #broadband #providers


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    CES 2016: Why the IoT needs fiber-optic broadband to succeed

    A panel of fiber broadband experts speaking at CES 2016 in Las Vegas this week said the Internet of Things (IoT) will not only benefit from fiber-optic broadband, it will require it.

    Katie Espeseth, vice president of new products for EPB – the Electronic Power Board in Chattanooga, Tennessee, responsible for building and maintaining one of the country’s most famous fiber-optic networks – explained that the country’s first gigabit-speed municipal broadband network was built to support an IoT application.

    Tasked with maintaining power supply to the city, the EPB sought to deploy a series of supercomputers that would constantly monitor the power grid throughout the city. This called for an always-on, gigabit-speed internet service.

    Today, the organization has 1,400 devices operating in the field, diagnosing problems on the power grid and re-routing power to resolve outages. Espeseth said the system has reduced power outage duration time by 55% to 60% since it was deployed. This would not be possible without a 100% fiber-optic support network, she said.

    An added benefit was the ability to offer gigabit-speed broadband to homes and businesses in Chattanooga, which has driven revenue for the city and earned it the moniker “Gig City.”

    Lev Gonick, CEO and co-founder of OneCommunity, pointed to a common theme at CES this year – the importance of the network to handle 4K high-definition video. While much of the focus at the show is on supporting 4K for entertainment purposes, Gonick highlighted a medical application in use among neurosurgeons in Cleveland, where OneCommunity helped deploy a fiber-optic network capable of 100 Gbps data transfer speeds.

    Gonick pointed to the deployment of Surgical Theater at the Cleveland facility, which uses high-definition cameras to provide video assistance during operations. This is the kind of application that needs to stream ultra-high-definition video and cannot fall victim to video buffering, Gonick said.

    “Anything hanging on the network is IoT,” Gonick said. “These are not switches or optical gear. These are gaming environments that are being used for medical activity.”

    Gonick also highlighted an added benefit of the fiber-optic networks his company helped deploy in Ohio. Using the high-def cameras, doctors at the healthcare facility video-conferenced with high school students in the area, showing videos and answering their questions in real-time.

    Consumer IoT applications, particularly the smart home, may also require fiber broadband. Kevin Morgan, director of cloud and services marketing at ADTRAN, explained how difficult it is to estimate the impact of consumer IoT on the network, especially this early in the market. Another panelist, Kyle Hollifield, senior vice president at Magellan Advisors, suggested future-proofing residential networks with fiber-optics to prepare for the added traffic.

    In fact, network capacity may be critical to the success of the smart home. Hollifield pointed out that if consumers find that their smart home products don’t work because their network can’t handle the traffic, they’ll abandon the devices before trying to re-configure their own networks.

    These predictions may seem speculative, but considering that Cisco predicts consumers will use four-times the amount of data than businesses by 2019 and Gartner says the typical family home could have as many as 500 networked devices by 2022, high-capacity networks are more important to consumers than ever before.

    Join the Network World communities on Facebook and LinkedIn to comment on topics that are top of mind.



    Payment Gateway India, Payment Gateway Provider, eCommerce Payment Gateway in India #online #payment #gateway #providers, #online #payment #gateway #india, #online #payment #gateway #providers #in #india, #online #payment #gateway, #best #online #payment #gateway, #online #payment #gateway #in #india, #online #payment #services, #online #payment #processing, #internet #payment #gateway, #online #payment #gateways #in #india


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    Payment Gateway India, Payment Gateway Provider, eCommerce Payment Gateway in India – EBS

    Latest News

    The talk of not just the town, but the country as a whole is the demonetization stint pulled by the Government on the 8th of November, 2016. While.

    India has now more than 1 billion mobile subscribers, out of which 204 million are smartphone users (Statista). The vast mobile base of Indian.

    India, one of the fastest developing large economies, has recently launched an initiative called Startup India. The intention of this initiative.

    The Indian mobile commerce space is blossoming and now has all the major international eCommerce players vying for presence and hold. The mobile.

    Testimonials

    Mr Piyush Shekhar

    Having already tied up with multiple payment providers what we essentially were looking is to associate with a partner who delivers a very high success ratio.

    EBS has delivered a solution which is perfectly suited for us, what sets EBS apart is their approach methodology which took into consideration our basic requirement and built a solution around this. Delivering the solution is a highly capable and focused team which took the time to resolve every query and a support team which assists us at any given hour. We truly have been left speechless by the quality of service delivered and hope to have a long and fruitful relationship with EBS.

    Shifting our website to EBS payment gateway has been the wisest decision we have made. The earlier payment gateway that we had was highly unstable and was prone to frequent server outage. We were losing a lot of sales due to this.

    With EBS’s reliable and fast servers, there is 0% downtime. This has increased our website’s reliability and our customers are much more comfortable with placing their orders with us. The payment processing is very fast and effective. We have also seen an increase in repeat sales on our website, one of the reason for this is the effective checkout process of EBS.

    EBS’s customer support and fraud prevention tool is very effective and has helped us in filtering fraudulent transactions.

    I wish the entire team at EBS all the best to ensure that similar level of service are maintained.

    “Thank you EBS Team for providing such a wonderful, easy payment gateway. which has increased our sales by 30% in this competitive world, by providing the low TDR and direct cash deposit in our Axis Bank account in 24 hours. which resulted in lowering our products prices on our website and issuing payment’s to our vendor’s across globe on their desired date or when required.

    I also thank EBS team for the Online Net Banking feature which will again result in increase in sales of 20% and thus increasing our ROI and Income.

    EBS support team is also the best and highly qualified which provides support when called and resolves the issues relating to failed payment or on website in less than 30 Min’s time.

    Again Thanks for EBS and keep it UP!!”

    Being India’s Largest Educational Organisation, we are very pleased to inform you that we are using EBS payment gateway since last 3 months. We find that it is functioning very smooth and also touching a very high level standards and safety features.

    Apart from this we are very greatful to you and your team members for such kind of support during the entire duration from signup to integration and later on. When we require a training to understand the complete process your support was very appreciable. Again thankful to EBS for such kind of support.

    Mr. Manish Mohta

    Leading Online Education ERP Partner

    I wish to put on record formally that we have been associated with numerous payment service providers in the past. What we were however looking for was someone where we did not feel like “just another client” and where our requests or issues were attended on priority.

    In EBS we have found that not only do you provide a high success ratio, all possible payment option, latest features and reports but you also provide un-interrupted personal support. It is as if EBS is more of an extension of our organization rather than a vendor.

    We wish you all the success in this domain.



    Top 100 Cloud Services Providers List 2013: Ranked 10 to 1 #top #100 #cloud #services #providers #list, #top #100 #csps #list, #cloud #services #brokerage, #cloud #services #aggregator, #talkin # #cloud #top #100 #cloud #services #providers


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    Top 100 Cloud Services Providers List 2013: Ranked 10 to 1

    Amazon CEO Jeff Bezos has built his company into a cloud services giant — landing No. 2 on our third-annual Talkin Cloud 100 list.

    10. NetSuite, San Mateo, CA, USA: The cloud-based ERP provider continues to enjoy rapid growth and an expanding channel partner base. NetSuite s business expanded about 31 percent to $308 million in 2012. Channel Sales VP Craig West has been recruiting Microsoft partners into the NetSuite program. Among West s innovations: The NetSuite SP100 program which offers partners 100 percent of first-year revenues for new customer engagements. NetSuite also runs one of the.

    Register for Complete Access (Valid Email Required)

    By registering on Talkin Cloud now, you ll not only gain access to Top 100 Cloud Services Providers List 2013: Ranked 10 to 1, you ll get exclusive access to a large archive of premium content.

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    OneProvider – Worldwide hosting solutions and dedicated servers #hosting, #dedicated #server, #dedicated #hosting #server, #server #hosting #dedicated, #vps #hosting #france, #hosting #dedicated, #hosting #site #web, #web #hosting #site, #site #web #hosting, #offshore #web #hosting, #domain #name #hosting, #hebergement #hosting, #hosting #hebergement, #hosting #web #domain, #web #domain #hosting, #domain #hosting #web, #domain #web #hosting, #web #hosting #domain, #hosting #reseller, #hosting #domain, #web #hosting #and, #web #hosting #business, #hosting #email, #hosting #providers, #web #hosting #best, #hosting #web #site, #hosting #websites, #site #hosting, #hosting #site, #hosting #servers, #web #hosting #providers, #hosting #france, #hosting #server, #hosting #website, #hosting #allopass, #hosting #web #hosting, #hosting #web, #alojamiento #web #hosting, #hosting #sites, #hebergement, #hosting #linux, #free #bsd, #hosting #cheap, #hebergeur #hosting, #hosting #unlimited, #unlimited #hosting, #internet #hosting, #web #hosting #gratuit, #hosting #windows, #hosting #web #gratuit, #web #hosting #cheap, #cheap #hosting #web, #hosting #shared, #hosting #company, #host #website, #


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    Mobile Internet #internet #service #providers #business #plan


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    Mobile Internet

    The paradigm of a mobile operator is shifting. Cloud, SDN, and NFV are making it easier for providers to introduce new services quickly at scale and with compelling economics. Architectures that simplify, automate, and virtualize can help create and deliver services securely and efficiently. And with 5G around the corner, you will need to consider having a 5G-ready network foundation in place.
    Cisco’s Mobile Internet can help you:

    • Boost agility to capture new revenue opportunities
    • Improve operations and provide a better customer experience
    • Prepare for 5G, IoT, and beyond with a unified enablement platform that integrates heterogeneous access, transport, core, services with end-to-end automation, management, orchestration, and security – across multi-vendor environments.
    • Take advantage of cloud efficiencies through separate control and data planes and dynamically deliver customized services through network slicing

    Cisco’s Open Network Architecture for service providers is a comprehensive framework to make networks more open, flexible, and programmable. This approach consists of three functional layers: physical and virtual infrastructure. network abstraction. and applications and cloud-based services that are tightly integrated with security, policy, and analytics. It also leverages telemetry and automation to deliver an optimized, high-quality user experience to customers and self-healing to the network.

    SON (self-optimizing network) harmonizes and optimizes network performance across architectures and between vendors. It helps mobile operators cut costs, improve the mobile experience, and reduce expenses by deploying more small cells. Activate new sites automatically, boost performance, and profit from the intelligence gathered from your radio network.

    The inside story on small cells

    Cisco is simplifying wireless access for enterprises, creating new opportunities for you. (Video – 1:38 min)

    Cisco small cell technology delivers 3G and 4G services integrated with our Wi-Fi products for enterprise customers. (Video – 1:10 min)



    International VoIP Calls #voip #providers #international #calls, #international #voip #calls


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    International VoIP Calls

    International VoIP works the same way regular VoIP works (learn How VoIP Works here): audio codecs compress the call and transmit it digitally over Internet Protocol to a local or regional destination, where the call unloads onto the local public telephone network or the appropriate VoIP network.

    Some VoIP providers offer a certain amount of free international minutes with their VoIP service plan.

    Consider, with us, what international calls were like before VoIP made things less expensive?

    Challenges for International VoIP

    Though effective, there are some roadblocks for International VoIP

    1. Different Codecs

    Audio codecs (which convert the sound of your voice to data packets that the Internet can transport) occassionally vary between countries and VoIP providers. That’s a hurdle that VoIP providers usually manage pretty easily.

    2. VoIP is not available in all countries

    In some countries, it is illegal to use or sell VoIP. Obviously, in these countries, you can’t make international calls with VoIP.

    3. International VoIP and Telephone Networks

    The biggest limitation for international VoIP calls is the quality of the phone network in the international destination.

    International calls to developing countries are much more expensive than international calls to developed countries; it is much cheaper to call from the US to Europe than to call from the US to Central Africa. Calls to extremely remote locations are even more expensive (like Antartica).

    However, for the most part, international calls with VoIP are much cheaper than international calls with any other calling method.



    Expanding Services To Reach Victims of Identity Theft and Financial Fraud – Federal Identity Theft Laws #identity #theft, #phishing, #id #theft, #financial #fraud, #identity #crime, #credit #fraud, #stolen #identification, #services #to #victims #of #identity #theft, #financial #crime, #training #service #providers, #pro #bono #legal #assistance, #id #public #awareness #campaign


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    Identity Theft and Financial Fraud

    Federal Identity Theft Laws

    Legislative efforts to create federal identity theft laws must balance the competing needs of victims, government agencies, and businesses, yet stay flexible enough to anticipate future identity crime issues.

    Prior to 1998, crimes that would now be considered identity theft were charged under false personation statutes, which go back to the late 19th century. False personation can be defined as the crime of falsely assuming the identity of another to gain a benefit or avoid an expense.

    It wasn t until Congress passed the Identity Theft and Assumption Deterrence Act of 1998 that identity theft was officially listed as a federal crime. The act strengthened the criminal laws governing identity theft. Specifically, it amended 18 U.S.C. § 1028 ( Fraud and related activity in connection with identification documents ) to make it a federal crime to

    knowingly transfer or use, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. (See http://www.ftc.gov/node/119459 .)

    The Identity Theft and Assumption Deterrence Act accomplished four things:

    • It made identity theft a separate crime against the individual whose identity was stolen and credit destroyed. Previously, victims had been defined solely by financial loss and often the emphasis was on banks and other financial institutions, rather than on individuals.
  • It established the Federal Trade Commission (FTC) as the Federal Government s one central point of contact for reporting instances of identity theft by creating the Identity Theft Data Clearinghouse.
  • It increased criminal penalties for identity theft and fraud. Specifically, the crime now carries a maximum penalty of 15 years imprisonment and substantial fines.
  • It closed legal loopholes, which previously had made it a crime to produce or possess false identity documents, but not to steal another personal s personal identifying information.
  • Over time, state legislative bodies also started to pass laws that helped victims, and these laws ended up being the basis for many national laws years later. As most crimes are prosecuted on the state level, these laws came to have a significant positive impact on victims.

    Other federal laws have been enacted to address the growing complexities surrounding identity theft and fraud. These include the following:

    Fair Debt Collection Practices Act (FDCPA)
    The Fair Debt Collection Practices Act (15 U.S.C. §§ 1692-1692p, as amended by Pub. L. 109-351, §§ 801-02, 120 Stat. 1966) prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that a creditor has forwarded for collection.

    Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA) of 2003
    FCRA is the law governing the accuracy and privacy of credit reports. FACTA amended the Fair Credit Reporting Act in 2003 to strengthen and add to the protections for victims of identity theft. These laws require consumer reporting agencies (CRAs) and creditors to help victims recover from identity theft, and allow consumers to place alerts on their credit files if they are or believe they may become victims of identity theft (fraud alerts). Consumers have the right to dispute inaccurate information, and CRAs and creditors must investigate the claim and correct information if it is inaccurate. The laws also entitle consumers to a free credit report once per year from each of the three credit reporting agencies. As part of the responsibilities under FACTA, the Federal Trade Commission and the federal financial agencies established Red Flag Rules requiring creditors and financial institutions to establish programs designed to address identity theft.

    Identity Theft Penalty Enhancement Act of 2004
    This act (Pub. L. 108–275 § 1028A) establishes penalties for aggravated identity theft, which is using the identity of another person to commit felony crimes, including immigration violations, theft of another s Social Security benefits, and acts of domestic terrorism.

    Identity Theft Enforcement and Restitution Act of 2008
    This act amends 18 U.S.C. § 3663(b) to make it clear that restitution orders for identity theft cases may include an amount equal to the value of the victim s time spent remediating the actual or intended harm of the identity theft or aggravated identity theft. The new law also allows federal courts to prosecute when the criminal and the victim live in the same state. Under previous law, federal courts only had jurisdiction if the thief uses interstate communication to access the victim s PII.

    Federal Privacy Laws

    Driver s Privacy Protection Act of 1994
    The Driver s Privacy Protection Act puts limits on disclosures of personal information in records maintained by state departments of motor vehicles.

    Family Educational Rights and Privacy Act of 1974
    The Family Education Rights and Privacy Act puts limits on the disclosure of educational records maintained by agencies and institutions that receive federal funding.

    Gramm-Leach-Bliley Act of 1999
    The Gramm-Leach-Bliley Act (Pub. L. 106-102, 113 Stat. 1338) includes a Financial Privacy Rule, which requires financial institutions to provide consumers with a privacy notice when the consumer relationship is established and annually thereafter. The privacy notice must explain what information the institution collects about the consumer, where that information is shared, how it is used, and how that information is protected. The notice must also identify the consumer s right to opt out of the information being shared with unaffiliated parties and notify him or her if the privacy policy changes.

    Health Information Portability and Accountability Act of 1996
    The privacy rule regulates the security and confidentiality of patient information. The U.S. Department of Health and Human Services published a final Security Rule in February 2003, which sets national standards for protecting the confidentiality, integrity, and availability of electronic protected health information.

    Office for Victims of Crime
    810 Seventh Street NW. Washington, DC 20531
    The Office for Victims of Crime is a component of the Office of Justice Programs, U.S. Department of Justice.



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    Shared or Dedicated IP Addresses

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    It is very important to know the difference between shared ip and dedicated IP addresses when finding a web host. Some websites don’t need a unique IP address and can function just fine on a shared IP. Many times though a dedicated address is preferred over shared IP addresses.

    What’s a Shared IP?
    Every domain name that is home to a website has an IP address assigned to it. An IP address is the real address of a website or server. Domain names were developed because it is difficult to remember long IP numbers like 234.123.66.7. Usually, in shared hosting where there are hundreds of websites sharing one server those same sites will share one single shared IP address.

    For the hosting company this simplifies the technical aspects of hosting your website. Instead of having a dedicated IP addresses for every domain, they can all share one IP address. This makes it easier for them to manage and maintain the servers.

    The downside to shared IP’s is that if someone sharing your IP happens to get in trouble for spamming or scamming, your IP can get banned or blacklisted. You may not even know it until your site disappears from the search engines or your email start getting blocked by ISPs. In shared hosting the actions of others sharing the server can effect your site and cause problems.

    What’s a Dedicated IP?
    Most larger websites or ecommerce enabled sites have a dedicated IP addresses. This means that your site is the only one on the internet using that unique IP number. For example, if you typed 209.131.36.158 into your web browsers address bar you would see Yahoo!’s website come up. This is their unique IP address and no one elses. This is their own address on the web that has been attached to the domain name yahoo.com.

    If you have a business oriented website then you probably will need a dedicated IP address for your site. Especially if you have a merchant account and accept credit card payments on your site. You can’t even get an SSL certificate for your website until you have a dedicated IP address. You can get around this by using a PayPal shopping cart or something else hosted off your site. But, most people don’t like the idea of sending the customer to a new address to close the deal.

    There is also the SEO or search engine optimizations concerns to consider. Many people have found that sites with a unique IP address do mysteriously better in the search engine results than those utilizing shared IPs. Often times security concerns drive people to upgrade their cheap hosting account to include a dedicated IP address.

    The bottom line is that both shared IPs and dedicated IPs can be useful depending on what kind of website you own. The key is to do some research and find out which one is right for you. There are rumors circulating that eventually we will run out of unique IPs under the current system and a new address or IP system will be necessary. Even today, most hosting companies charge a premium if you want to upgrade to a dedicated IP.

    Web Host of the Month!



    VPS Hosting #top #vps #host, #vps #asp.net #hosting #windows #vps #hosting #best #virtual #private #server #providers #top #services #comparison #reviews #hyper-v #hyperv


    #

    VPS ASP.NET Hosting

    Top 10 reasons to host with our Top VPS Hosting providers recommended list:

    • VPS Web Hosting Services tested by WindowsHostingASP.NET
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    ASP.NET VPS Web Hosting

    A Windows Virtual Private Server (Windows VPS) is a method of partitioning a physical server into multiple servers that each has the appearance and capabilities of running on its own dedicated machine. Each Windows VPS server can run its own Windows OS, and each server can be independently rebooted.

    Windows Hyper-V Hosting

    Hyper-V is a hypervisor-based technology that is a key feature of Windows Server 2008/2012. It provides a scalable, reliable, and highly available virtualization platform, which is truly the Cadillac of virtual private server hosting. Hyper-V VPS brings you as close as you can get to dedicated server features by doing one thing that other virtualization platforms don’t. Actually virtualizing a server giving you control over the entire operating system.

    VPS ASP.NET Hosting features

    • 25-100 GB Disk Space
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    • Multiple Websites (Domains)
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    • Windows 2012 Server
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    Windows VPS Web Hosting Advantages

    • The Latest ASP.NET hosting features
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    Why you need VPS Web Hosting

    The VPS Hosting is a terrific choice for medium and e-commerce ASP.NET web sites! If you need to host more small web sites or to resell ASP.NET hosting services yourself then the VPS Web Hosting is an excellent solution too.

    Find the best VPS ASP.NET Hosting provider

    Why do you look for a new commercial Windows VPS Web Hosting Provider? Because you have created your new ASP.NET website, because you are not happy with your recent ASP.NET hosting company, because you would like to upgrade (need more resources) your recent Windows hosting services, or because you want to start a small ASP.NET hosting business.

    In all of the above reasons what will be the best VPS hosting for you? It will give you the opportunity to focus on your main business, to provide better services for your customers, to have a better company Image, because fast and reliable Web hosting means stable and serious website, and it could also create an advantage over your competitors. Otherwise, if you choose poor VPS Web hosting services could be catastrophic for your business and you could also lose time and money to move your website to a new hosting company.

    There are many Windows hosting companies that offer different types of Web hosting services and technologies, but essential for the Customer is the value of these services, which means that the VPS Host should best suit all of his requirements!

    Every Windows Hosting company has advantages and dis- advantages. Some Companies offer better Shared or VPS Hosting, others have excellent customer support or better prices. So remember that if some ASP.NET Host is the best for your requirements, it could be not for somebody else!

    Top VPS Windows Hosting Providers List

    Do you belive that there are top 10 VPS Windows hosting companies?

    You will not find top 10 best VPS hosting hosting providers in our recommended list, because our experience shows that there are not so many quality Windows hosts. Our best VPS hosting providers list is created for the ASP.NET community, to help finding quality hosting services and solutions.

    The inclusion in the Top VPS Web Hosting Providers list is not a right but privilege. Not every VPS Host could be listed there.

    All of listed the best VPS hosts are rated and tested by our experienced webmasters team. The evaluation process usually takes 2 to 4 weeks.

    To keep the quality of the list only the best Virtual Private Server Hosting Providers will be published. The place in the best VPS Hosting list is not guaranteed! The Hosting company which reduces the quality of the service will be excluded.

    VPS Windows Hosting Useful Resources

    • ASP.NET VPS Hosting Forums – ASP.NET Virtual Private Server discussion. ASP.NET VPS Hosting reviews and solutions.

    Best ASP.NET Hosting Companies

    Find and compare some of the Best Windows Hosting companies delivering the latest ASP.NET Hosting technologies:



    How to Set Up Voice over Internet Protocol (VoIP) in Your Home #voice #over #ip #providers


    #

    How to Set Up Voice over Internet Protocol (VoIP) in Your Home

    VoIP–Voice over IP– means you are able to place phone calls over the Internet to any phone in the world. The phone you are calling does not need to have VoIP. Generally the cost of using VoIP is less than your local telephone company, and you can keep your existing phone number or pick a new one with an area code anywhere in your country. Prices may vary.

    Steps Edit

    Get a VoIP phone adapter. Note that you cannot use an ordinary (PSTN) phone unless it specifically mentions VoIP or Skype. So to use analog phone as VoIP phone, you need to connect that phone to VoIP adapter.

    The VoIP company you obtain your phone adapter from should send you instructions on how to hook it up. Some phone adapters are intended to go between the cable modem and your router or computer, while others must be plugged into a router that you supply. Follow the instructions provided.

    Connect a telephone to the LINE 1 port of the phone adaptor using a standard phone line.

    Power on your phone adapter by plugging in the power cord to the back of the adapter and the plug into the wall outlet. You should leave this plugged in at all times to maintain your phone service.

    Wait a couple minutes while your phone adaptor starts up.

    There may be updates that need to be downloaded, such as new firmware or changes to your features. These will be downloaded automatically. Do not interrupt this process by unplugging the power to the phone adapter or ISP supplied modem.

    Pick up your telephone receiver and listen for a dial tone. If you hear a dial tone, you have finished the installation and can begin making calls.



    Read: Business Telephone Service Providers By Zip Code in #business #telephone #service #providers #by #zip #code


    business telephone service providers by zip code

    business telephone service providers by zip code – Related Posts

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    Providers of Payday Loans – Car Title Loans in Texas #fast #payday #loans


    #money loans online
    #

    Approved Money Center is a Premier Payday Loan Provider

    Looking for a payday loan provider in Texas? You’ve come to the right place! Approved Money Center offers you solutions when financial emergencies and unforeseen expenses arise. We specialize in online and in-store payday loans making it more convenient than ever to get the quick cash you need.

    We understand there are times when getting by until your next paycheck goes in the bank may not be as easy as it sounds. A car repair, an unplanned visit to the dentist, expenses associated with children; it’s part of life’s surprises. Getting an online payday loan with Approved Money Center can be what gets you through that momentary lapse of cash.

    Getting a Payday Loan is Fast and Convenient

    Our online payday loan application, approval, and funding process as good as it gets! It takes about 3 minutes to apply. and with just a little bit of information, we can have you on your way to getting your Texas online payday loan directly deposited into your bank account the next business day. Bridging the gap between paychecks can bring you peace of mind and keep you from incurring late fees and charges on your bills. We won’t run your credit or ask you any embarrassing questions!

    If you prefer working with one of our customer service representatives in person, visit one of Approved money Center’s premier payday loan lending stores. With have over 30 locations to serve you and are happy to answer all of your questions. We believe in building lasting relationships with our customers by offering fast, fair and friendly service. As a Texas payday loan provider we abide by all rules and regulations set forth by the state. Approved Money Center is here for your quick cash needs!

    Approved Money Center is Leading the way with Auto Title Loans

    Auto title loans are a great way to get the cash you need without having to hassle with banks or credit unions. Approved Money center makes the process fast and convenient by taking the equity in your car or truck and putting it to work for you. If you have a steady job and income, own your automobile outright, and can provide us with the “pink slip”, we can get you funded overnight without the hassle of a credit check.

    Getting a Texas auto title loan doesn’t mean you have to give up your car; simply the equity it holds. You will still drive your car or truck as you always do. How does it work? We base your loan amount on the FMV (Fair Market Value) of your car. The higher the value the more you will be approved to borrow.

    An Approved Money Center Auto Title Loan puts your car to work

    You’ve invested in your car over the years why not put that investment to work for you when you need it most? Getting a Texas auto title loan is simple, fast and convenient. We don’t hassle with credit checks or tedious applications. It takes only a few minutes to get started by filling out our easy online application. All it takes is some basic information and we can get started on approving and funding your loan. We are Texas’ premier auto title loan lender offering some of the lowest rates around. Whatever it is you need cash for, Approved Money Center is here for you. Get started now and be on your way to solving your cash crisis!



    Speedy Car Loans – Auto Loan Providers – Spring Valley – Las Vegas, NV – Reviews – Photos #loans #with #no #credit #check


    #speedy loans
    #

    Recommended Reviews

    Robert and his team are incredible! I was frustrated with looking at cars out of state and in Nevada. he found a car within days! INCREDIBLE! If you want a car in this town without the hassle go see Robert. He made my car buying experience enjoyable. He is top notch, he is like the Valet of car dealers. HE DOES EVERYTHING!

    I ve done business with Robert at speedy car loan for many years they are great over there. They tell you how it is and help you get through every situation everything is always very transparent no tricks or salesman gimmicks you want it he ll help you get it. He takes buying a car and reinvent the experience. If you re looking for something in particular and don t want to get trapped into a bait and switch I would definitely suggest you call him.

    First to Review

    If you want a completely easy car buying experience, you need to check out Speedy Car Loans. They have helped tons of people obtain financing for vehicles as well as hunted the right vehicle down and delivered it to the buyer (it seems that a huge amount of their business is referrals from other super satisfied customers – keep that in mind). It constantly boggles my mind on how they can make any money when they are doing all this extra leg work to ensure that the customer gets exactly what they want, with the least amount of hassle I have ever experienced (the dealerships surely don t go to ANY length to do anything other than snow the buyer and attempt to get that sticker price which is a huge markup anyways).



    Providers of Payday Loans – Car Title Loans in Texas #financial #loans


    #money loans online
    #

    Approved Money Center is a Premier Payday Loan Provider

    Looking for a payday loan provider in Texas? You’ve come to the right place! Approved Money Center offers you solutions when financial emergencies and unforeseen expenses arise. We specialize in online and in-store payday loans making it more convenient than ever to get the quick cash you need.

    We understand there are times when getting by until your next paycheck goes in the bank may not be as easy as it sounds. A car repair, an unplanned visit to the dentist, expenses associated with children; it’s part of life’s surprises. Getting an online payday loan with Approved Money Center can be what gets you through that momentary lapse of cash.

    Getting a Payday Loan is Fast and Convenient

    Our online payday loan application, approval, and funding process as good as it gets! It takes about 3 minutes to apply. and with just a little bit of information, we can have you on your way to getting your Texas online payday loan directly deposited into your bank account the next business day. Bridging the gap between paychecks can bring you peace of mind and keep you from incurring late fees and charges on your bills. We won’t run your credit or ask you any embarrassing questions!

    If you prefer working with one of our customer service representatives in person, visit one of Approved money Center’s premier payday loan lending stores. With have over 30 locations to serve you and are happy to answer all of your questions. We believe in building lasting relationships with our customers by offering fast, fair and friendly service. As a Texas payday loan provider we abide by all rules and regulations set forth by the state. Approved Money Center is here for your quick cash needs!

    Approved Money Center is Leading the way with Auto Title Loans

    Auto title loans are a great way to get the cash you need without having to hassle with banks or credit unions. Approved Money center makes the process fast and convenient by taking the equity in your car or truck and putting it to work for you. If you have a steady job and income, own your automobile outright, and can provide us with the “pink slip”, we can get you funded overnight without the hassle of a credit check.

    Getting a Texas auto title loan doesn’t mean you have to give up your car; simply the equity it holds. You will still drive your car or truck as you always do. How does it work? We base your loan amount on the FMV (Fair Market Value) of your car. The higher the value the more you will be approved to borrow.

    An Approved Money Center Auto Title Loan puts your car to work

    You’ve invested in your car over the years why not put that investment to work for you when you need it most? Getting a Texas auto title loan is simple, fast and convenient. We don’t hassle with credit checks or tedious applications. It takes only a few minutes to get started by filling out our easy online application. All it takes is some basic information and we can get started on approving and funding your loan. We are Texas’ premier auto title loan lender offering some of the lowest rates around. Whatever it is you need cash for, Approved Money Center is here for you. Get started now and be on your way to solving your cash crisis!



    Bad Credit Loans Providers. #what #is #an #fha #loan


    #bad credit loans
    #

    Search Results For Bad Credit Loans

    How Lenders Use Personal Credit to Approve Small Business Loans

    How to Increase your chances of being approved for small business loans. Learn how your personal credit is used and how it impacts small.

    Are There Small Business Loans Available in a Bad Economy?

    Business Credit Secrets: What You Don t Know Can Hurt You

    Free SBA Bridge Loans Start June 15

    If your small business is hurting and needs help, the free money starts flowing on June 15. And yes, it really is free – as in.

    Business.com Guide to Taking Credit Cards

    Consumers expect to be able to pay for anything with plastic. Our guide to credit card processing makes it easy for you to make this happen.

    Give Yourself Credit in Properly Managing Small Business Credit Cards

    The Ultimate Guide to Understanding Your Credit Card Processing Fees



    Peachy Payday Loans – Online Payday Loan Providers in UK #auto #loans #for #bad #credit


    #payday loan lenders uk
    #

    Your Guide to Payday Loans

    Payday loans have significantly boomed in popularity in recent years. There has been a massive increase of people seeking the help of these short term loans as a solution to their financial hurdles. However, before you send in your application for this loan, you need to read our complete, highly informative step-by-step guide to payday loans so that you can make the most informed decision.

    What are payday loans?

    In simple terms, payday loans are just small loans which you can use if you find yourself out of money temporarily. These loans are provided in modest money amounts with a short term repayable period of about two weeks, in most cases. Payday loans are unsecured and best used for covering temporary cash gaps. If your car breaks down unexpectedly, for example, you might find yourself really struggling to finance the repair bill. Taking a payday loan in this case is one of the ways in which you can cover such an emergency expense.

    How are payday loans different from other loans?

    The main difference between payday loans and other loans you can get in the financial market is the short repayment period. Ideally, upon taking your payday loan, you are required to repay it within one or possibly two weeks. In general, payday loans act as a financial bridge to your next wage and thus, you should repay them upon receiving your next paycheck. As a result of their characteristic short period of repayment, payday loans have a small credit limit and a relatively higher APR .

    When is the best time to use payday loans?

    Payday loans are best used during emergency situations (the car example that is highlighted above). Nevertheless, you can still use a payday loan in any situation, provided you know that you will get the money to repay the loan when you get your next paycheck. So, if you need money straight away to sort out an issue and you can’t wait for your employer to pay you, then you might want to consider getting financial relief from a payday loan lender. However, it is not advisable that you keep applying for payday loans for things that are unnecessary. Use payday loans only for an emergency or a sudden necessity. Here is a very good post about 10 Things You Shouldn’t Take Payday Loan for .

    How much do payday loans cost?

    Even though payday loans are known for providing financial help at a time when you might have nowhere else to turn to, these short term loans are seriously expensive. In fact, the average lender of payday loans charges no less than £25 as interest for £100 borrowed, with the repayment period generally ranging between 7 to 28 days. Other charges may be included besides the interest, such as a processing fee, though this will depend on the lender. Even though these interest rates are high, it is still possible to get a better deal if you shop around for the lowest APR that you can possibly find on the market.

    What are the problems with payday loans?

    Getting approval for a payday loan is relatively easy and if you are having problems with paying the back the loan, it is not unusual to find your lender tempting you with an offer of a extension, which is known as repayment plan or a deferral. You might think that this is a great solution for your financial problems but, the truth of the matter is that you will only be able to manage these loans if you borrow them on a short term basis, i.e. not more than 30 days. Extension means paying more interest and possibly other fees. In the long run, you will find yourself with unmanageable debts, which can seriously ruin your financial life.

    You might also consider applying for another payday loan from another company intending to use it for repaying your first one. This is a financial massacre and your debts will start growing very quickly. You will find yourself in a vicious cycle of debts that will be nearly impossible to get out of. Missing payments on your payday loans can also tarnish your credit rating in a serious way and this might also compromise your ability to borrow in the future.

    What makes Peachy.co.uk unique, compared to other payday loan lenders?

    Peachy.co.uk provides various options of short term loans that offer borrowers further benefits above what the standard payday loans offer. Peachy.co.uk is a responsible lender and offers loans with multiple repayment options. which are a good alternative to payday loans. The loans offered by Peach have a very clear pricing structure and have flexible repayment options. This way, you are able to understand the loan fully and customize it to your personal situation. The line of credit offered here provides you with instant access to a complete credit limit and you can choose exactly how much you want to take, something that payday loans don’t offer you.

    At Peachy.co.uk. you are even able to pay your loan in installments which you select based on your current financial situation. Therefore, you don’t need to worry about having to pay the whole loan in one lump sum payment on your next payday. Once your application has been approved, cash will be sent to you within minutes and you get 24/7 access to the loan services support department. Peachy’s loans are without a doubt the best alternative for payday loans as they provide you with the best solution to solve your short term financial needs and that are perfectly tailored to suit your requirements.

    Peachy.co.uk has deeply engrained the values of fairness, honesty and transparency into their core business and the loans availed are designed in the most flexible and straightforward way possible. All in all, it is always important that you compare short term loans from different lenders just to be sure that you are getting the best deal possible.



    Find Loans for People on Benefits – Compare Providers Here #online #auto #loans


    #loans for people on benefits
    #

    Find Loans for People on Benefits – Compare Providers Here

    Home Credit Find Loans for People on Benefits – Compare Providers Here

    Living on benefits is never easy. Planning your life around the schedule of your benefit payments is inconvenient at the best of the times. Often it’s completely impossible.

    It’s a fact of life that, inevitably, we all meet with unexpected expenses from time to time. If this happens in-between your benefit payments things can get a little too close for comfort.

    One of the most effective ways to fashion yourself some breathing room is by taking out a short term loan. However, there are a number of things to consider first.

    Interest Rates

    You will find it practically impossible, especially in today’s financial climate, to get a loan from a major bank. If you are considering getting a loan whilst on benefits then, unfortunately, you will have forget about the interest rates you have seen advertised on the high street.

    The lenders you are more likely to secure a loan from operate in what is known as the “sub-prime” market. Whilst you may be used to hearing of interest rates between around 10%-20%, the typical APR on a loan form a sub-prime lender will be somewhere from 500%-4,000%. Some are in the tens of thousands.

    For this reason it is best to borrow on small amounts for very small periods of time, otherwise the amount owed will rise rapidly and you may risk defaulting your repayments. This will impact on your credit rating.

    Loan Amounts and Guarantors

    If you are unemployed the absolute largest amount you are likely to secure a loan for is £3,000, however, only very few lenders offer this much to people who are on social security. Their interest rates are very high and their collection policies are inflexible, meaning if you are unable to keep up with repayments, which realistically, considering the APR, is likely, you’ll be facing all sorts of trouble. Event then, these lenders will only lend an amount such as £3,000 if you have a guarantor.

    A guarantor is somebody who is willing to make your repayments for you should you fail to do so. It can be anybody but it is normally a close friend or family member. Being a guarantor is a big commitment as they are making themselves legally liable to pay off the loan if you can’t and as such guarantor loans need to be thought about carefully.

    Furthermore, they will need to have a job with a decent income and a good credit history, as they will be credit checked by the lender. This means they can’t have received a CCJ or defaulted a payment in the last six years, or be on an IVA or be bankrupt .

    If you are lucky enough to have someone willing to stand as a guarantor for you, it’s worth figuring out between you if it would not be wiser for the guarantor to get a loan in their name and then lend to you as a friend. This is also a big commitment but may ultimately be cheaper and there are typically more lenders for people with good credit then there are guarantor loan lenders.

    For one thing, with their good credit history and income, they should be able to go to a high street lender and get a loan with a considerably lower APR. Secondly, high street lenders can be easier to negotiate with if you run into any troubles and so will your friend/relative.

    If you don’t have a guarantor, which most people don’t, you’ll find it hard to get more than £1,000.

    Credit Checks and Credit History

    Your credit history is also going to be a factor. If you receive a County Court Judgement (a court order to pay an outstanding bill or debt) or receive a default notice (a letter from a company which comes after a final warning to tell you that you’ve defaulted, or failed, to pay outstanding monies) both of these will stay on your credit history for up to six years, limiting the amount you can borrow and the types of lender you can approach.

    There are a number of websites that you can go to in order to find out exactly what your credit score is and what is on your credit history. You normally have to pay for this service, however, it is worth doing. Many people who have received default notices don’t know about it, often losing the actual notice itself amongst other bills and documents.

    Some short term lenders may not credit check you at all, but be honest with yourself. Will you actually make repayments on time? If not, don’t get the loan. These same short term loans are generally loaded with lots of extra fees and charges for failed and late payments. This is on top of the interest so be sure you can pay on time.

    Secured Loans

    A secured loan is where you, the borrower, have to provide collateral to the lender as a kind of deposit for the loan. One particularly common form of secured loan offered to people on benefits or with poor credit are loans secured against cars. This is good news if you have a car or some other form of capital, as it opens up the option of secured loans to you.

    However, if you fail to keep up repayments you will lose your car. Losing capital is the last thing you need when you’re already in a tight spot, therefore you have to asses the risk you are taking very carefully.

    In other instances you may be asked by a lender to pawn some of your possessions in order to get access to a loan. This is similar but less risky as you know where you stand and, generally, the possessions will be worth less than a car. Again the interest rates are very high, so there’s no point sacrificing your possessions if you can’t afford the repayments anyway. You’d be better of selling them for cash. The amount raised would be smaller but at least you’d avoid accruing interest or harming your credit rating.



    Home Loans, Housing Loan, Finance Company, Home Loan Providers In India #motorcycle #loans


    #home loan calculator india
    #

    With HDFC Home Loans Create your own space.

    Retail Prime Lending Rate (RPLR) is 16.30% w.e.f. 6th October, 2015

    The Board of Directors at its meeting held on April 29, 2015 recommended a dividend of Rs. 13 per equity share of Rs. 2 each, subject to the approval of the shareholders at the 38th AGM to be held on Tuesday, July 28, 2015 at Birla Matushri Sabhagar, 19, New Marine Lines, Mumbai 400 020 at 3.00 P M.

    The Register of Members and the Share Transfer Books of the Corporation will remain closed from July 17, 2015 to July 28, 2015 (both days inclusive) for the purpose of payment of dividend for the financial year 2014-15.

    Shareholders who have not claimed their dividend for the F.Y. 2007-08, are requested to do so, on or before August 22, 2015, failing which it will be transferred to the IEPF and no further claim shall lie against the Corporation or the IEPF pursuant to Section 205C of the Companies Act, 1956.

  • RE-LOCATION OF INVESTOR SERVICES DEPARTMENT(ISD)

    All Investors are requested to take note that ISD will be re-located from Tel Rasayan Bhavan, Ground floor, Opp. BEST Workshop, Gate No. 4, Tilak Road Extn, Dadar T.T. Mumbai 400014 to the registered office of the Corporation located at 5th Floor, Ramon House, H. T. Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai – 400020 with effect from September 1, 2014. Contact details of ISD will remain unchanged.

    We request you to send all correspondence pertaining to the securities of the Corporation held by you to the said new address.

    QUICK LOAN FACILITY AGAINST DEPOSITS



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    RBA Cash rate changes in past 5 years:

    What is best fixed rate home loan ?

    Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

    To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

    Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

    Click here to find current home loan interest rate offers.

    What portion of home loan should be on 3 years fixed rate home loan ?



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    Are There Small Business Loans Available in a Bad Economy?

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