10 Top Uses For Excel In A Debt Collections Business

Category : It Solutions

When you run a business from home, you need all of the tools at your disposal to make keeping track of the details easier — but some tools, like Microsoft Excel, can take a startling array of forms. A collections business can utilize Microsoft Excel in several mundane and a few very startling ways.

Templates

There are tens of thousands of templates for Excel on the web, not to mention the dozens it comes prepackaged with. Check out a few that a debt collection agency can well use:

SLAs — While most of your service-level agreement will be in text form, there is always a page that requires some of Excel’s organizational capacity — the costs page. With Excel, it’s easy to manipulate cost-per-X, overtime agreements, what charges your contractor will authorize, and more.

Background Checks — One of the more important aspects of a solid debt collections effort is collecting all of the information you can about your debtor. With an in-depth background check template, you can simplify the process by using drop-down menus rather than manually-typed entries, and you can make sure that all of the questions get answered.

[youtube]http://www.youtube.com/watch?v=uS5nH7W-eKk[/youtube]

Employee Training Records — There are a lot of things that a debt collection agent needs to know, especially about the Fair Debt Collection laws. By putting together an exhaustive list and checking off when an employee has been trained on an item, you not only ensure that employees ARE fully trained, but you have the records to prove it.

Receipts — Debt collection receipts can vary in complexity from simple notes to full-page outlines of what’s been paid, what is owed, what is accruing interest at what rate, and how long it will take to pay off the debts at the current rate. Excel templates can do the latter with ease.

Marketing

Every startup debt collection agency faces challenges when it comes to getting clients. A few choice Excel tricks can make this a much easier process.

Direct Mail — For a third-party agency, getting customers is all about finding companies interested in selling you their debt. Contacting a mailing list renter that specializes in first-party collections groups and using Mail Merge to create a form letter announcing your service is easy with Excel.

Online Advertising — Keywords are king when it comes to online marketing. Get a pro to do research what keywords you should use, but request the results in Excel, so that you can sort by any of the several variables each keyword has, and find the best most easily.

The Back End

Excel spreadsheets can take care of much more than the financial paperwork in your back office.

Scheduling — Excel can easily produce both numerical and graphical schedules so that you can easily take notes or see potential scheduling conflicts.

Customer Tracking — There are a myriad of different options that a customer can take when it comes to servicing his debt. Excel can whip up a quick plan that will automatically calculate interest and the pay-off debt.

Inventory — Even a small business with few employees can go through a staggering variety of amount of supplies in a month. With Excel, you can keep inventory and know what you need to order when — but you can also project business a few weeks ahead so you can modify orders based on any potential downturns.

Article Source: sooperarticles.com/business-articles/freelance-home-business-articles/10-top-uses-excel-debt-collections-business-114651.html

About Author:

Jen Morrison is a writer for LastMinuteTraining.ca. Canada’s largest online marketplace for training. They provide access to Excel training in Toronto and in most other major centers across Canada.Author: Jen Morrison


Project Finance In India}

Category : Financial Planning

Submitted by: Anish Mahal

India has been a rapidly upcoming industrial country since multiple years. With the rapid industrialization multiple projects have been upcoming simultaneously. Multi-dimensional growths in business have put forward the future of business firms and corporate and this has actually created the need for financing activities in the projects field. Finance is the backbone of every economy and similar is the case with a developing country like India. Raising capital and financing multiple projects through various funding sources is the base for project finance in India.

With diversification and development there has been a boom in the number of Project finance companies dealing with funding sources in India. In India, project finance has emerged as a separately remarkable domain. This enjoys a leadership position with respect to financing aids to the projecting sector on a large scale. In a country like India while starting an ambitious new project, the main issue that arises is Funds. Project finance is the ultimate God for all such queries that lends money for projects of every domain right from smaller, medium sized to large scale.

Certain advantages of project financing in India:-

The major advantages of dealing with project financing are that it lends a high capital value with which a single party is not able to take up.

This not only aids with finance but also helps to minimize the bulk amount that is basically needed with large projects.

[youtube]http://www.youtube.com/watch?v=fc3Elg49Vlk[/youtube]

This facilitates various niche related to projects like- diversification, expansion, diversification and modernisation.

Project financing is an aid that forms as a balancing act between the demands and needs of project building in India.

Arranging funds for projects has no more been a cumbersome process with the multiple project financing bodies working in the same stream for a single purpose and ease of prospective clients.

Multiple banks and financial organisations have created a separate branch associated with project financing for multiple projects and its needs.

Easy processing and documentation process has made it even more worthwhile with ease facilitation and favourable returns.

Favourable rates of interest for assistance and funds association has also reduced the burden on clients as in case of regular loans.

Basically a project financing model is based on the following types of methods or choices. The project manager chooses from either of the combination or single entity based methodology as below mentioned:-

Term loan

Debenture capital

Commercial banks

Bills discounting

Seed Capital

Government Subsidies

Being a long term financing aid for the infrastructure and industrial projects, project finance companies has spread its roots in the entire country. This has not only eased the project building process but also multiplied the rate of expansion rapidly. With the feature it has become easy to structure the debt and pay back with from the cash earned from the project itself. Basically its a different type of finance facilitation where the amount accrued is re-paid entirely from the project cash flow rather than the assets or project creditworthiness. Thus in order to build the dream project with heavy investment needs project financing is definitely a suitable exercise.

About the Author: Visit here for more details-

ipfs.in/project-finance/

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1950915&ca=Finances}


Listening To Music While Running

Category : Music Chart

Listening to Music While Running

by

Dr Andrew Schneider

Listening to music while running has become very popular in the past 10 years. Some companies such has Nike have even profited from this by making shoes with technology that allow runners to time their runs to music. This even transmits the information directly to an ipod! Many people like the option of having music because it takes their minds off of the workout. Upbeat music is the best option if you are looking for something to distract you from your run. Upbeat music helps to get your adrenalin pumping and can help to lift your spirits.

[youtube]http://www.youtube.com/watch?v=NI8rQEHoE24[/youtube]

Many people say that running is 90% mental and 10% physical. I am a big believer in this. Ask any long time runner and they will tell you that the best way to finish a workout is to distract the mind from making them believe they can’t finish. This is why people encourage themselves out loud while running. It is a method of verbally disagreeing with your mind that you can’t go on, and sometimes it actually works. Listening to music while running does the same kind of thing. It distracts the mind from thoughts of negativity towards the workout. Listening to music while running is not for everyone. Although there are many people who love to listen to music while running there are also many people who refuse to do so. There are many reasons why people choose not to listen to music while running. First, some people like to get lost in their thoughts while they run. I’ve heard runners claim they get some of their best thinking done while running. Listening to music is a good distraction, but some people want to be alone with their minds while they run. Others don’t listen to music while running because it is a safety hazard while running outside. If you are listening to music while running outside you are not as aware of your surroundings and this can actually be dangerous to a runner. There are unfortunate stories of people getting hit by cars, buses, or even trains, when they are not able to hear them coming. Ultimately the decision to listen to music while running is up to personal preference. There are positives and negatives to listening or not listening to music while running. Music can be a great way to help a person push through their workout but it can also be a dangerous distraction to outdoor runners. Whether you listen to music or not while running just remember the ultimate goal is to enjoy your workout, so do whatever helps you achieve this goal!

Dr. Andrew Schneider is a podiatrist in private practice in Houston, TX. He is dedicated to maintaining the health and safety of the feet of athletes and return them to their sport as soon as possible after injury. For more information about foot health in sports, informative videos, and to order Dr. Schneider’s FREE book,

visit his website

and his blog

“The Houston Running Chronicles”

Article Source:

ArticleRich.com


The Importance Of Teambuilding To Real Estate Investing

The Importance of Teambuilding to Real Estate Investing

by

peter V

When you think of

real estate investment

, you probably think of independence, working for yourself and making enough money to retire without worries. These are all highly individual foci, and they are extremely appealing to many people. After all, self-sufficiency is a major goal for nearly all businesspeople, and real estate investing is potentially a great way to get there.

However, with all this emphasis on working for yourself or making your own way, a major tactic used by hundreds of successful real estate investors can get overlooked. That tactic is teambuilding.

[youtube]http://www.youtube.com/watch?v=jrUM00kFe7s[/youtube]

When you are a real estate investor, you have a lot of responsibilities. You can end up working for your real estate portfolio instead of the other way around. In fact, many investors devote all their time to working on deals, following up with potential sellers and identifying new, promising properties.

You can eliminate a lot of this work just by creating a small team. This does not mean go out and hire a receptionist, rent some office space and recruit some killer real estate agents. (This may work for some people, but for many that in itself will turn into a big responsibility fast). When discussing team building, the concept is much simpler. In fact, you might only need one more person in your corner to dramatically increase the efficiency of your real estate investing.

Bringing in an advisor who can help you identify green and red flags early on in your deals can save you lots of time and money. In addition, a more seasoned investor or even just a different perspective on your investing strategies can really help you determine what direction is best for your personal real estate investing career, and streamline your wealth-building in the process.

Peter Vekselman has been successfully investing in real estate since 1996. He has completed over 1200 real estate deals, owned a construction company, been a private lender, and owned a property management company. Peter currently works with clients all over the US helping them achieve riches in real estate.

If you are interested in talking with Peter further about his private

real estate coaching

program please respond to this email with your full name and all your contact information.

Peter Vekselman has been successfully investing in real estate since 1996.He has completed over 1200 real estate deals, owned a construction company,been a private lender, and owned a property management company. Petercurrently works with clients all over the US helping them achieve riches inreal estate investing. For more information please visit

Real Estate coaching

Article Source:

ArticleRich.com


Points To Ponder When Looking At Mississippi Land For Sale

Category : Mortgage Broker

By Chuck Magee

The time has finally come and you are ready to buy a piece of property to build your dream home on. Living in Mississippi offers many wonderful and unique places which can make choosing the right place to raise your family a challenge. When you are looking at Mississippi land for sale to build your new home on there are several things that you need to be aware of before you buy the property and end up with a piece of land that is not suitable.

Since you are looking for a piece of land for sale in Mississippi to build a house on the first thing you need to do is make sure that it is zoned residential and that you can build the type of house you want on it, even if all you want to do is place a mobile home or modular house on the land. Many properties have very stringent zoning bylaws and will only let you build certain types or sizes of house; others will not let you install a mobile home or modular house due to Homeowner Association covenants or their geographical locations.

[youtube]http://www.youtube.com/watch?v=ndVZVmGpJHM[/youtube]

If you are buying unimproved land for sale in Mississippi you need to find out if it is within an area that requires a connection to a sewer system and city water supply. If not you will need to have a professional come out and assess the availability of water, in most cases you will find that you can drill a well that will supply your fresh water, it is a matter of how deep you have to drill. Be prepared to pay someone to drill your well for you as this can cost several thousand dollars depending on how deep the well has to go to find potable water.

If you are not going to have access to city sewers you are going to have to install a septic system. For this you will need to look into the local laws and regulations regarding what type of system you can use. In some areas you may have to have the land perked to see if the drainage is sufficient to allow for a septic system, others require this and a sand mound to accommodate your septic systems. All of this information needs to be checked when you are looking at any land for sale in Mississippi before you consider entering into a contract to buy, you can start this process at the County Health Department.

If you are serious about looking at land for sale in Mississippi to building a home for you and your family, you will find a wide selection of properties listed on MississippiLandsource. For ten years they have been expanding their coverage of properties in the state to include undeveloped land, homes, farms and commercial listings. They cover properties that are currently listed by many of the states top realtors and those for sale by owner to give you access to the largest selection of property to choose from for your dream home.

About the Author: Chuck Magee has been in the land development and sales business for almost two decades. In 2000 Chuck and his wife Lindey developed a website called Mississippi-Landsource.com. The website was launched for uniting the real estate market in Land For Sale In Mississippi. In 2009 more sites were launched as sister sites for other states like Land For Sale In Louisiana and Land For Sale In Alabama.

Source: isnare.com

Permanent Link: isnare.com/?aid=592582&ca=Real+Estate


Murray Hill on the life and versatility of a New York drag king

Category : Uncategorized

Monday, November 19, 2007

The “Downtown Legends” wall at Mo Pitkins House of Satisfaction featured artists known in the East Village performance scene. A few featured in this photo include the Reverend Jen, Allen Ginsberg, Reverend Billy and Murray Hill (pictured)Image: David Shankbone.

Drag—dressing in the clothing atypical of your born gender—in recent years has found mainstream success. Films such as Priscilla, Queen of the Desert, Midnight in the Garden of Good and Evil and To Wong Foo, Thanks for Everything! Julie Newmar have prominently featured drag performers. But they have all focused on men in drag as women.

Murray Hill is a comedian, emcee and performer. He is also a drag king. Called “The Hardest Working Middle-aged Man in Show Business”, The New York Times christened him “the current reigning patriarch of the downtown performance community.” He is seemingly everywhere, emceeing a bingo night at the now closed, Jimmy Fallon-backed Mo Pitkins’ House of Satisfaction on Avenue A, or hosting the Polyamorous Pride Day in Central Park. Hill has become a legend in New York’s “anything goes” counterculture theater scene who is beginning to find mainstream success; which would be a first for a drag king.

David Shankbone’s examination of New York City‘s culture has brought him to the whip’s end of a BDSM dungeon, on the phone with RuPaul, matching wits with Michael Musto, grilling Gay Talese, eating dinner with Augusten Burroughs and quizzing the bands that play the Bowery Ballroom. In this segment he talks to downtown legend Murray Hill, former New York City mayoral candidate and comedian, on the last night of Mo Pitkins’ House of Satisfaction.

Retrieved from “https://en.wikinews.org/w/index.php?title=Murray_Hill_on_the_life_and_versatility_of_a_New_York_drag_king&oldid=4620877”

China overtakes Germany as world’s biggest exporter

Category : Uncategorized

Sunday, January 10, 2010

Chinese officials have said that their country’s exports surged last December to edge out Germany as the world’s biggest exporter.

The official Xinhua news agency reported today that figures from the General Administration for Customs showed that exports jumped 17.7% in December from a year earlier. Over the whole of 2009 total Chinese exports reached US$1.2 trillion, above Germany’s forecast $1.17 trillion.

Huang Guohua, a statistics official with the customs administration, said the December exports rebound was an important turning point for China’s export sector. He commented that the jump was an indication that exporters have emerged from their downslide.

“We can say that China’s export enterprises have completely emerged from their all-time low in exports,” he said.

However, although China overtook Germany in exports, China’s total foreign trade — both exports and imports — fell 13.9% last year.

Retrieved from “https://en.wikinews.org/w/index.php?title=China_overtakes_Germany_as_world%27s_biggest_exporter&oldid=3255271”

HIV-positive man receives 35 years for spitting on Dallas police officer

Category : Uncategorized

Sunday, May 18, 2008

An HIV-positive man was sentenced to 35 years in prison Wednesday, one day after being convicted of harassment of a public servant for spitting into the eye and open mouth of a Dallas, Texas police officer in May 2006. The United States Centers for Disease Control and Prevention says that no one has ever contracted HIV from saliva, and a gay-rights and AIDS advocacy group called the sentence excessive.

Scanning electron micrograph of HIV-1 (in green) budding from cultured lymphocyte Image: C. Goldsmith, CDC.

A Dallas County jury concluded that Willie Campbell’s act of spitting on policeman Dan Waller in 2006 constituted the use of his saliva as a deadly weapon. The incident occurred while Campbell, 42, was resisting arrest while being taken into custody for public intoxication.

“He turns and spits. He hits me in the eye and mouth. Then he told me he has AIDS. I immediately began looking for something to flush my eyes with,” said Waller to The Dallas Morning News.

Officer Waller responded after a bystander reported seeing an unconscious male lying outside a building. Dallas County prosecutors stated that Campbell attempted to fight paramedics and kicked the police officer who arrested him for public intoxication.

It’s been 25 years since the virus was identified, but there are still lots of fears.

Prosecutors said that Campbell yelled that he was innocent during the trial, and claimed a police officer was lying. Campbell’s lawyer Russell Heinrichs said that because he had a history of convictions including similarly attacking two other police officers, biting inmates, and other offenses, he was indicted under a habitual offender statute. The statute increased his minimum sentence to 25 years in prison. Because the jury ruled that Campbell’s saliva was used as a deadly weapon, he will not be eligible for parole until completing at least half his sentence.

If you look at the facts of this case, it was clear that the defendant intended to cause serious bodily injury.

The organization Lambda Legal (Lambda Legal Defense and Education Fund), which advocates for individuals living with HIV, says that saliva should not be considered a deadly weapon. Bebe Anderson, the HIV projects director at Lambda Legal, spoke with The Dallas Morning News about the sentence. “It’s been 25 years since the virus was identified, but there are still lots of fears,” said Anderson.

The Dallas County prosecutor who handled the trial, Jenni Morse, said that the deadly weapon finding was justified. “No matter how minuscule, there is some risk. That means there is the possibility of causing serious bodily injury or death,” said Morse. Dallas County District Attorney Craig Watkins stated: “If you look at the facts of this case, it was clear that the defendant intended to cause serious bodily injury.”

Contact with saliva, tears, or sweat has never been shown to result in transmission of HIV.

A page at the CDC’s website, HIV and Its Transmission, states: “HIV has been found in saliva and tears in very low quantities from some AIDS patients.” The subsection “Saliva, Tears, and Sweat” concludes that: “Contact with saliva, tears, or sweat has never been shown to result in transmission of HIV.” On Friday the Dallas County Health Department released a statement explaining that HIV is most commonly spread through sexual contact, sharing needles, or transfusion from an infected blood product.

Retrieved from “https://en.wikinews.org/w/index.php?title=HIV-positive_man_receives_35_years_for_spitting_on_Dallas_police_officer&oldid=1982884”

Should I Call My Exboyfriend If He Hasn’t Called Me?}

Category : Yoga

Submitted by: Anthony Malibu

Getting your ex boyfriend back can be scary and frustrating. You might not know how he feels about you, and may question whether or not he even wants to date you again. In an effort to win him over, you’ll worry about when and how you should be making contact, as well as what you should say when you talk to your ex again. If your ex hasn’t called yet, here’s what you should know.

Breakups are always different, but the reconciliation process always starts the same way: re-establishing contact with your ex boyfriend. Should you contact your ex? How long should you wait? And are there ways of getting him to dial you up first? Many women are faced with the same problem after a breakup: My ex boyfriend hasn’t called me. This is invariably followed up with the same question: Should I call him?

Before worrying about whether or not you should get in touch with your ex, you’ll first need to establish a situation in which your boyfriend misses you. When he actually wants to hear from you again, the results of your exboyfriend contact will be much more favorable. There are two things you need to do before even considering making such a phone call, and they’re listed below:

Create The Illusion That You’re Totally Over The Relationship

Chasing after your boyfriend? He’s never going to want you back. It’s human nature to want the things we can’t have, so the minute your ex thinks you’re walking away from the relationship… this is also the exact moment he considers being with you again. Sound strange? In a way it is. But when you’re always hounding your ex and trying to get him to change his mind about breaking up with you, he knows that he can have you back at any time. While he knows this, he’s going to keep you on the back burner… while he enjoys single life.

If you want your boyfriend back, you can’t show it. Don’t write him love notes or leave cards on his windshield… don’t even let him know you’re sweating him. By walking cleanly away from the romance, you’re giving the impression that you have better things to do. Many women are worried that not showing an interest in your ex boyfriend will cause him to not show any future interest in you, but in actuality the opposite effect takes place. The more you ignore someone? The more they need to know

why

. The more you don’t seem like you need them, the more they need you.

Instead of sitting around wondering why my ex boyfriend hasn’t called me, you should be creating an atmosphere in which

he needs to call you

. By staying strong after the break up is a critical part of getting your ex back. Let him know you’ve accepted the breakup. Hell, make it known that you’ve even

embraced

it. Allow him to hear about how thrilled you are to be single again – through friends or family or co-workers… however you have to do it. Because once he gets that impression, you’ll become a hell of a lot more attractive to him again.

Surround Your New Life in Mystery by Breaking All Contact

Establishing that you’ve moved on is made all the more effective when you’ve completely stopped talking to your ex. Instead of asking yourself when should I call him, you should be wondering when is my ex boyfriend going to call me! The no contact rule means just that – no communication with your ex in any way, shape, or form. Don’t email your exboyfriend thinking it’s okay. Don’t send him even one little text-message, not even to wish him happy birthday. When you first break up, staying completely silent is the only way to get your ex interested in what you’re doing again. Because while you’re still around in plain view? You’re actually prolonging the break up.

When you’ve stopped communicating with your ex boyfriend, guess what happens? Your ex will start to miss you. He’ll start thinking that you’ve moved on to bigger and better things, and chances are good that his situation has stood still. This will cause him to question the breakup, and maybe even want to call it off. His decision to end things doesn’t look so good when he realizes you’re not chasing after him or trying to get him back, but that in fact you’ve moved on to the point where you’re not even talking to him anymore.

Getting Your Exboyfriend To Call You After The Breakup

After getting dumped, it’s not uncommon to struggle with the question of initiating contact. Should I call him? How long should I wait before calling or texting him? Making the mistake of chasing your boyfriend down can actually scare him away for good. Guys feel strange and awkward after breaking up with you, which is why they want to be left alone for a little while. Unfortunately, this is when many girls feel the pressing need to try the hardest, thinking they can somehow change their exboyfriend’s mind.

If you’re sitting by the phone wondering why my ex boyfriend hasn’t called me yet, it’s because he needs some space. Wondering if you should call him yourself is not a good idea. That being said, eventually you’ll have to somehow get back in touch… just not right now. In order to get back together with your ex, you’ll need to reconnect – and you’ll want to make sure you do it at the right time.

The best type of reconnection? One in which you get your ex boyfriend to call you. There are several methods you can use to accomplish this, and there are some really great techniques for making him curious about you again. Your goal is to put yourself back in your ex’s head, but to do it indirectly so you don’t seem like you’re trying too hard. Also, by making him genuinely need to know what you’re up to, you can get him to initiate contact by phone, email, text-message, or whatever.

About the Author: There are 8 Individual Steps that will

Get Back Your Ex Boyfriend

, so find out what they are! By learning exactly what to do and exactly when to do it, you can map out a blueprint for successfully

Winning Your Boyfriend Back

, even when he hasn’t called yet.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1288990&ca=Break-up}


Cricket: Australia vs India 3rd test – Day 2

Category : Uncategorized

Thursday, January 17, 2008

Thursday was the second day of play in the third test between Australia and India at the WACA, Perth, Australia.

India resumed their first innings at 6/297. Australia took the remaining four wickets before the lunch break. Mahendra Singh Dhoni (19) and Irfan Pathan (28) both fell lbw in successive overs. India reached 330 all out with the loss of Anil Kumble for one run and R. P. Singh for a duck.

Australia struggled early on as Irfan Pathan dismissed both Australian openers for less than ten runs each and Michael Hussey was caught behind without scoring. At lunch, Australia were 3/22. The next session, Australia played well, despite losing Ricky Ponting (20) and Michael Clarke (23), coming to the tea break with a score of 5/148. However, in the last session of the day India took five wickets, sending Australia all out with a score of 212 after fifty overs. Andrew Symonds was Australia’s top scorer with 66 runs, while Adam Gilchrist made 55. R. P. Singh took four wickets for India.

In reply, India are 1/52 at stumps having lost Wasim Jaffer for 11 runs just before the close of play.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cricket:_Australia_vs_India_3rd_test_-_Day_2&oldid=621719”