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As in any planned purchase, especially with more expensive items, shopping for the best possible terms and price should be the primary goal. One or two interest points gained or forfeited will make a considerable difference to the borrower and the lender as well when calculated on a larger financial scale.
The happy news is that one who is seeking remortgage quotes has quite a varied menu of lenders to choose from. Banks and regular lending institutions that people generally turn to for financing of this type are certainly available. However, there are others who will be more than happy to offer a quote, such as specialty lenders and building societies. Indeed, the competition in this market can only benefit the potential borrower of funds.
What should be remembered as one is shopping remortgage quotes are the underlying fees that may exist in the proffered deal. It would be wise to inquire fully as to the payment structure being offered vis-à-vis term of repayment, transfer fees, and equity release fees that may be applied by the lender.
The question of consolidation of existing debts as part of the financial arrangement is very important as well, if that is indeed one of the goals of the borrower. The inclusion of this issue as a factor in the negotiations can alter the terms of repayment significantly, and will call for a more thorough investigation by the lender into the financial status of the borrower.
Simply put, it is to the prospective borrower’s benefit to have a complete and honest understanding of just what they want to accomplish by seeking a remortgage, as well as a full appraisal of their current credit standing and available assets.
The more one knows about their own worth and liability, the easier it will be to arrive at the best possible terms and arrangements when shopping for remortgage quotes.
Visit us to get more information on topics like remortgage quotes and fixed rate remortgages.
London, UK (PRWEB UK) 27 February 2014
“The EUs cyber security agency ENISA signals that assessing the threats for smart grids is crucial for their protection and is therefore a key element in ensuring energy availability.
Security is crucial for gaining the trust of the EU citizens on using these services. However, there are many security challenges to overcome in order to ensure their successful deployment.” (ENISA, Press-Release, Jan 30, 2014).
Konstantinos Moulinos, Expert in Network & Information Security, ENISA, will be speaking at the 4th annual European Smart Grid Cyber and SCADA Security Conference (London, 10-11/03/2014) on “Minimum Security Measures for Smart Grids”.
This industry leading event will address the latest updates on the threat landscape of cyber-attacks, as well as privacy, integrity and security of data involving Smart Grid technology.
Event’s website: http://www.smi-online.co.uk/2014cybergrids6.asp
Confirmed attendees include: Aegis London, Alliander N.V., BP, Brunel University, California Water and Power Company, Con Edison of New York, Devoteam Consulting, E.ON Sverige AB, Eandis, Electric Power Research Institute, Electricity North West, ENEL Engineering and Research, Energinet.dk, ENCS, European Network and Information Security Agency, EON Metering GmbH, ESMIG, Frazer-Nash Consultancy, Navigant Research, NXP Semiconductors, Omicron Electronics, Parliamentary Office of Science and Technology, PWC, Qatar Computing Research Institute, Serious Organised Crime Agency, SSE, Statnett SF, swissgrid AG and many more.
Keynote Speakers Include:
New York, New York (PRWEB) March 02, 2014
Mark Feldstein and Associates today announces the RRSP (Registered Retirement Savings Plan) deadline for Canadians to contribute is quickly approaching this Monday, March 3rd. Business Review releases the chartered accounting firms advisement that not all Canadians should be contributing to an RRSP and could be saving money by not doing so.
Mark Feldstein and Associates suggests tax payers with smaller marginal rates should consider using a TFSA or a non-registered investment plan and contribute to an RRSP when grouped in a higher marginal tax rate. Young people especially should consider different options, says Mark Feldstein of Mark Feldstein and Associates. Generally, they fall into a category of lower income earners and there are other options that allow them to still save money while maximizing that deduction when they can. Since debt is at an all-time high, making a contribution and using the refund to pay off any debts could also be beneficial.
Contributions are accepted online and at any Canada Revenue Agency tax centre. For more information on tax related service, contact http://www.toronto-accountant.ca.
Mark Feldstein & Associates, Chartered Accountants, provide a wide range of professional services to businesses and individuals. To ensure clients receive the best advice in each area, Mark Feldstein & Associates hire only seasoned specialists who, in turn, devote a good portion of their time to upgrading their skills through in-depth professional development. Mark Feldstein has been practicing public accounting and specializing in voluntary disclosure since 1982. He has experience in a wide variety of industries, including retail, manufacturing, importing and exporting, wholesale distribution, technology, restaurants, law firms, engineering firms, architecture firms, education, IT consultants, wealth preservation planning, forensic investigations, internet service providers and construction.
Business Review, is a daily resource of Gulf Coast business news where readers will find latest breaking business news, updated throughout the day, and some of the weeks top stories from The Business Review and other popular features. Subscribers can also sign up to receive email products including daily business news updates, latest news of 17 industries, dozens of popular topics from around the nation and the latest networking and marketing alerts.
San Francisco, California (PRWEB) February 28, 2014
Whether its the most common resolutions like losing weight, eating healthier, exercising more–or another resolution all together like staying organized–many of us make New Years resolutions to make positive changes in our lives.
Resolutions are typically goals about giving up a problematic behavior or implementing a new healthy behavior. While making the resolution is the easy part, the hard part is sustaining them.
Two months into the year is a great opportunity to reassess where you are at with your goals, and adjust them if needed. Its not too late to recommit–and for your lifes sake it never is, says San Francisco psychotherapist Michael Halyard.
Halyard says whats often missing from peoples plans is awareness of the unconscious minds resistance to change, and plans to cope with emerging uncomfortable feelings. By being cognizant of the unconscious mind and keeping resolutions within some practical guidelines, success is within reach.
Halyard says its important to recognize the unconscious reasons that people sabotage their New Years resolutions–problematic behaviors are often solutions to other problems. For example, problematic behaviors may play a role in meeting unfulfilled emotional needs or numbing painful feelings. When a person stops the behavior, those emotional needs may become conscious and painful feelings may emerge.
Take the popular New Years resolution of losing weight–overeating may play a role in satisfying a persons unmet emotional needs. For example, if a persons relationship lacks affection or physical intimacy, eating may serve as a substitute for physical contact. Eating can also numb uncomfortable feelings like resentments, grief, and anger. People suffering from depression may try to relieve their symptoms with food. Thus, eating can function as an unconscious defense mechanism to avoid painful and uncomfortable feelings, says Halyard.
The good news is that there are ways to cope with the difficult feelings that come up. If a person is beginning a diet, Halyard recommends that she looks at the ways she might be eating to avoid uncomfortable feelings. Journal writing can help a person get in touch with those feelings. Often people have unresolved grief, resentments, or anger that they have been afraid to explore. Taking away a source of comfort could bring forth difficult emotions people are ill-equipped to confront.
Getting emotional support from friends, family, partners, and a therapist can help a person cope with uncomfortable feelings. Its also important to use self-soothing behaviors like going to the park, a museum or a movie, or doing things at home like taking a hot bath, getting a massage, listening to music, drinking herbal tea, or even meditating. There are also 12-step groups that can provide support and tools for those trying to make major changes,” adds Halyard.
Implementing a new behavior has its challenges as well. Its important to anticipate the stress associated with beginning a new behavior. Adding time to implement a new healthy behavior may cause stress because it could reduce a persons leisure time. For example, if exercising at the gym is a goal, one may have less time for socializing. Thus its important to acknowledge this and figure out ways to mitigate it. For example, a person might get an exercise partner and find other ways to relax.
There are also some practical guidelines that can make it more likely that a person’s New Years resolutions will be successful. It’s important to clarify the reason why a person wants to change. For example, if a person wants to quit smoking–she should have a good reason, like improving her health and living a longer life. This will provide stronger and lasting motivation. In addition, a person should set realistic, specific, rewarding, time-limited and measurable goals, and break them down into smaller parts. Finally, the person should write down a detailed step by step action plan.
If someone wants to lose weight, they should be realistic and determine the total amount of weight they want to lose–then they should divide that total amount into weeks. For example, if they would like to lose 30 lbs, they can make a commitment to lose one pound each week for 30 weeks,” says Halyard.
Another suggestion is to record one’s progress–whether its counting calories, a journal of completed exercises, or time spent de-cluttering–one should write down what he did every day, so he is accountable. It’s also important to consider each day independently, so if one falls off the wagon, he can get back on.
Also, people can always revise their resolutions. Technology like apps and websites can also be helpful: for those wanting to lose weight, a pedometer app and websites like http://www.myfitnesspal.com can be invaluable. Finally, incorporating the new behavior into your lifestyle is a foolproof way to give it staying power.
One should surround oneself with consistent, positive reinforcement. One should tell supportive people what their New Years resolutions are, so she can get encouragement and accountability. If a person has a goal like quitting smoking or losing weight, she can even consider doing it with a friend who has the same goal, reveals Halyard.
With careful planning, anyone can accomplish their goals. One doesnt have to do this alone, people are there to help. A personal trainer can help with weight loss, a professional organizer can help de-clutter, a 12-step group can help with addiction, a physician can help with quitting smoking, and a therapist can help with those uncomfortable feelings, adds Halyard.
Michael Halyard, MS, MFT is a San Francisco Marriage and Family Therapist and specializes in LGBT issues, depression, anxiety, addictions and couples counseling in his San Francisco private practice. He can be found on the websites http://www.sftherapy.com/ and
San Francisco, CA (PRWEB) February 25, 2014
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One of the newest features of mobile advertising is the ability to connect customers with instant messages while at certain events. If a person passes by a booth at a supermarket or past a booth at an event, they could instantly receive a message about current discounts or promotions that are being offered. This is really great for targeted local advertising.
For those with the dream of global marketing, advertising through mobile devices is an excellent way to go. There are many benefits one can receive from mobile advertising. One of the biggest benefits is that it is a really powerful approach to advertising. With this type of marketing, companies have instant access to potential clients at any time of day or night and anywhere in the world. Another reason it is powerful is because you can target your ads to go out to specific locations or to users that meet certain criteria.
Two other benefits of marketing through mobile devices is that it can be really profitable and it is versatile. Most people or businesses could never dream of being able to afford an ad spot on TV. Though you have the potential to reach millions, it is not worth the risk of losing that much money. With marketing through mobile devices, it is so much more affordable. Anyone can use this type of advertising and reap the great rewards.
Mobile marketing is versatile because it is not just about placing ads. You can market though connecting with consumers. An example of the versatility is the ability of medical professionals being able to connect with their patients.
They can use the platform to confirm appointments as well as offer products that they endorse or recommend.
Because of the popularity of cell phones and other mobile devices that can connect to the internet, more and more people do not even have personal home computers anymore. The market is much bigger for people with mobile devices than it is for people with just computers.
Marketing to mobile devices can be done really easily with companies like Ad-fonic. They make it really easy to create ad campaigns with an easy step-by-step process. They also offer the ability to target the campaign audience which gives you the ultimate control over your ads.
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Houston, TX (PRWEB) February 18, 2014
On February 10, 2014, Wonderlic, the nations leading publisher of employment assessments and student admissions tests, announced the Most Engaging Leaders and Employers in the Wonderlic Leadership Invitational.
Iscential is honored to have been named in the Top Ten Organizations list, and we are especially honored to have our Account Support Manager, Stephanie Kleinhenz, and our CEO, Warren Barhorst, named in the Top Ten Leaders list.
Please see the Wonderlic press release here.
Beltsville, MD (PRWEB) February 18, 2014
Vocus, Inc. (NASDAQ: VOCS), a leading provider of cloud-based marketing and public relations software, today released “Branding Rules,” an eBook that captures branding principles from 14 industry leaders, with illustrations by renowned cartoonist Hugh MacLeod of Gapingvoid.
Branding strategists from some of todays most well-known brands like The American Red Cross and charity: water, as well as industry leaders, including Laura Ries, Shel Israel, Scott Monty, C.C. Chapman and Chris Brogan, were all asked one question, If you could impart only one piece of branding advice, what would it be? The answers were as varied as the backgrounds of the people asked. Their advice sometimes included tactical measures; other times, it simply recommended a certain perspective toward branding itself or toward the people who receive the marketing message.
A sampling of the branding rules includes:
The brand has to be rooted in your values and your corporate reason for being.
It is not your product, service or logo, though those are important components, it is the need that the product serves coupled with the values you stand for. American Red Cross Vice President Selma Bouhl and Director of Brand Marketing Seth Spiro.
Narrow your focus.
To be successful at building a brand, you need to think as narrowly as possible. And you need to stay as narrowly focused as possible to keep that brand strong. Want to expand? Launch a new brand thats focused. Ries & Ries President Laura Ries
Inspiration is the most important part of your digital strategy.
At charity: water, we devote resources (especially time and passionate energy) to creating content that win the hearts and minds of our supporters and turn them into enthusiastic advocates. We’re constantly asking ourselves: How can we make our supporters feel inspired? charity: water Director, Digital Paull Young
Make and keep commitments.
My number one piece of advice on branding is make and keep commitments. Its really the best brand advice for any human. Every time I run afoul of it, I fail. Human Business Works CEO and President Chris Brogan
This eBook gives marketers insights from some of todays most savvy branding experts, empowering them to refine and improve their companies brands said Vocus Chief Marketing Officer You Mon Tsang. A brand is much larger than a logo or tagline. Its the customers opinion of a company, and that makes branding a very nebulous concept for many people. Without a strong brand, all other marketing initiatives fall apart.
Marketers know that branding is their secret sauce. Although it can be difficult to define, it is a large component of marketing success. A brand is an accumulation of all the thinking, positioning, brainstorming and planning needed to create a relevant experience that connects with prospects and customers. Branding Rules defines branding success for marketers in succinct rules to follow every day, illustrated by interesting cartoons by Gapingvoid, a company made famous for its illustrations for TechCrunch, Cisco and Intel.
The Branding Rules eBook is available for free download here.
Vocus (NASDAQ: VOCS) provides leading cloud-based marketing and public relations software that enables companies to acquire and retain customers. The company offers products and services to help clients attract and engage prospects, capture and keep customers, and measure and improve marketing effectiveness. More than 16,000 annual subscription customers across a wide variety of industries use Vocus software. The company is headquartered in Beltsville, MD with offices in North America, Europe and Asia. For more information, visit http://www.vocus.com or call (800) 345-5572.
This release contains forward-looking statements that are made pursuant to the Safe Harbor provision of the Private Securities Litigation Reform Act of 1995. These statements are predictive in nature, that depend upon or refer to future events or conditions or that include words such as may, will, expects, projects, anticipates, estimates, believes, intends, plans, should, seeks, and similar expressions. This press release contains forward-looking statements relating to, among other things, Vocus expectations and assumptions concerning future financial performance. Forward-looking statements involve known and unknown risks and uncertainties that may cause actual future results to differ materially from those projected or contemplated in the forward-looking statements. Forward-looking statements may be significantly impacted by certain risks and uncertainties described in Vocus filings with the Securities and Exchange Commission.
The risks and uncertainties referred to above include, but are not limited to, risks associated with possible fluctuations in our operating results and rate of growth, our history of operating losses, risks associated with acquisitions, including our ability to successfully integrate acquired businesses, risks associated with our foreign operations, interruptions or delays in our service or our web hosting, our business model, breach of our security measures, the emerging market in which we operate, our relatively limited operating history, our ability to hire, retain, and motivate our employees and manage our growth, competition, our ability to continue to release and gain customer acceptance of new and improved versions of our service, successful customer deployment and utilization of our services, fluctuations in the number of shares outstanding, foreign currency exchange rates and interest rate.