3 Ways to Improve Your Credit Score in Less Than 5 Minutes #credit #report,credit #score,credit


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3 Ways to Improve Your Credit Score in Less Than 5 Minutes

If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it’s best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner.

Pay off your credit card balance

This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. Say you have an overall $10,000 credit limit and are carrying a balance of $5,000 total across your credit cards, then your credit utilization ratio would be 50 percent. Most credit experts advice to keep your credit utilization ratio below 30 percent, but if you can get it to zero, it will help dramatically raise your credit score.

If you can’t pay off your entire balance, even paying off a little can help. The lower your credit utilization ratio, the more available credit you have and the better you look to outside lenders. Even paying of 10 or 20 percent of your overall balance can help.

Get a new credit card

Taking out more credit may seem counter-intuitive, but adding to your overall credit limit will raise your credit utilization ratio. Here are the two ways that getting a new credit card can help raise your credit score:

Increase your credit limit: A new credit card will increase your overall credit limit, which in turn lowers your credit utilization ratio. The more credit that lenders approve you for, the more trustworthy you seem to other lenders. As a bonus, look for a credit card that has some great perks like cash back incentives, so you can earn money while you use it. Here is a good list of the best cards with great perks.

Transfer your balance: If you are carrying a balance on your credit cards, you can kill two birds with one stone. If you transfer your balance to a new balance transfer credit card, you can increase your overall credit limit while also being able to pay down your credit card balance. Even better, find a credit card that offers a 0% intro APR for up to 14 months so you will have time to pay down your balance without being charged extra interest on it. These are some good all-around credit cards with a 0% intro APR for balance transfers.

Fix errors on your credit report

If you have errors on your credit report, fixing them is an easy way to raise your credit score. Errors can include a credit lender reporting false late payments, accounts that reportedly went to collections even though you paid, or even accounts opened in your name without your knowledge.

First, you need to pull your credit report see if you have any errors. The government allows each person one free credit report each year from each of the three credit bureaus (Equifax, TransUnion and Experian). You can get these reports from annualcreditreport.com. Look over each credit report for any errors. Each credit bureau’s website includes instructions on how to file the paperwork to get an error fixed.

If you don’t want to go through the effort of fixing errors yourself, you can also hire a credit repair company to send fix requests on your behalf. Keep in mind that credit repair companies might try to convince you to try other ways to fix your credit, but you are paying by the month, so make sure they are focusing on your errors. Here are the two best credit repair companies compared side by side .

The Worst And Best States For Credit


HR Projects- MBA Projects #hr #projects #reports, #mba #project #report #on #hr, #hr #project #report


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HR Project Reports

These HR project Reports are related to HR Management for MBA/BBA Projects download from Allprojectreports.com |

HR Project Topics MBA:- HR Project Topics on HR Work Life Balance, Dual Couple Career, Motivation Level of Employees, Executive Development, Grievance Handling Process, Labor Welfare Activities And Safety Measures, HRMS, Stress Management, Training and Development, HR Policies, TQM, Employees Retention, Enrichment Skills of Employees, Performance Appraisal System and many other different topics available.

HR Project Report on Work Life Balance of Dual Couple Career.

HR Project Report Work Life Balance of Employees, MBA Project Report Dual Career Couple, What is Work Life Balance, Work and Family Balance, Business Benefits, Working Relationships Between Colleagues, Dual-Career Couple Facts, Human Resources at Work

MBA/BBA HR Project Report on Employees Motivation.

MBA/BBA HR Project Report on Employees Motivation, Project Report Employees Motivation | Motivation Level of Employees MBA HR Project Report | Employees Motivation, A person may have several needs and desires. It is only strongly felt needs which becomes motives. Thus motives are a product of needs and desires motives are many and keep on changing with time motives are invisible and directed towards certain goals.

HR MBA Project Report on Executive Development Grasim Industries, Inventory of Executive Manpower.

HR Project Report on Executive Development, Project Report on Executive Development Grasim Industries, Inventory of Executive Manpower, Establishment of Training and Development Programme MBA HR Project Report, Executive Development Importance and Scope

HR MBA Project Report on Grievance Handling System.

MBA Project Report on Grievance Handling System, Causes of Grievance, Employees Dissatisfaction, Project on Employees Grievance Handling System, MBA HR Project Report

MBA HR Project Report on Labor Welfare Activities And Safety Measures In R.V. Enterprises, New Delhi.

MBA HR Project Report on Labor Welfare Activities And Safety Measures In R.V. Enterprises, New Delhi, Medical Facilities and other facilities provided by company, MBA Project on Labor Welfare Activities And Safety

MBA HR Project Report on Role of Human Resource Management System (HRMS) in an Organization.

Project Report MBA HR on Role of Human Resource Management System (HRMS) in an Organization – MBA HR Project Report, Functions of HRMS, Distinction between HRM and HRMS

MBA HR Project Report on Stress Management in BPO Industry.

MBA HR Project Report on Stress Management in BPO Industry, Project on Stress Management in Banking Sector, MBA HR Project Report

HR Project Report on Workmans Performance Appraisal in HP India Sales Pvt. Ltd. Delhi.

HR Project Report on Performance Appraisal System (PAS), Project Report on Performance Appraisal System of HP India, Performance Purpose of performance appraisal, Confidently in appraisals, Steps for ensuring objectivity, Shift from personality trait to job performance

HR Project Report on Training and Development of Employees.

HR Project Report Employees Training and Development Project Report MBA, Nature and Importance of Training and Development, stages in a training and development programme, Training Need Identification for a company, Training Process, Development Process, Training Need for Employees, Training Survey

MBA Project Report HR Policies in Microtek Inverters.

Project Report on Human Resources Management, MBA Project on HR Policies in Microtek Inverters, HR Project Report, Recruitment And Selection, Employees Development, Evaluation, Rewards, Promotion, Operating Organisation, Leadership Styles, Code Of Conduct, Placement And Induction, Training And Development, Salary And Bonus, Work Culture, Employee Welfare Employee Advancement Programmes etc.

HRM Project Report on HR Trends of Indian IT Industries.

HR Project Report HR Management | Emerging Trends of I.T.Industry, Leadership and Employees Involvement, HR Trends of Indian I.T. industry, Compensation Management of I.T. Sector, Information Technology, HR Problems of Indian IT Professionals, I.T. [Information Technology] Outsourcing, I.T. [Information Technology] Scenario, Success Factors of I.T. Industry in India

HR Project Report on Total Quality Management.

HR Project Report Total Quality Management, Concept of TQM (Total Quality Management), Project Report on TQM, Quality Project, Sample, Quality Policy, Total, Quality, Management, MBA, BBA Project Reports, principles, research methodology, annexure

HR Project Report on Performance Appraisal System ? BSNL.

HR Project Report Performance Appraisal System , Performance Appraisal System BSNL Employees MBA Project Report, Methods, Roles, Rating Process, Performance Appraisal system Project Report | Introduction to Human Resource Management Performance Purpose of performance appraisal, Confidently in appraisals, Steps for ensuring objectivitye

HR Project Report on Employees Satisfaction Survey. Retention tool and a Hygiene factor

HR Project Report Employees Satisfaction Survey. Retention tool and a Hygiene factor, Project Report MBA on Employees Satisfaction Survey, Employee Engagement, Organizational Environment, Talent Enhancement Interventions, Standard Employee Retention Surveys, Analysis of Strengths and Weaknesses of Employees

HR Project Report on Survey on Enrichment Skills of Employees, Soft skills of Employees

HR Project Report Survey on Enrichment Skills of Employees, Soft skills of Employees, Communication skills of Employees, MBA Project on Leadership Qualities of Employees, Positive Approach of Employees, Problem Solving Skills of Employees, Time Management, Competitive Measures, Exemplary Attitude of Employees, MBA HR Project Report

These all project reports in HR are used for MBA (Master of Business Administration)

Human Resource Management Subjects.

HR Project Reports : Project Reports on Human Resource Management [HRM] topics like Recruitment and Selection Process, Job Satisfaction, Performance Appraisal, Employee Retention, Employee Motivation, Attrition, Career Development, Gender Issues, Training, Development and Work Environment.


ManageEngine Exchange Reporter Plus #exchange #reporting, #exchange #server #reporting, #microsoft #exchange #server #tools, #exchange #reporting


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What is Exchange Reporter Plus?


Download Now

Microsoft Exchange Server is, by and large the most popular communication, collaboration and email messaging application today. Microsoft Exchange serves as the hub of all email communications in most corporate environments that use the Active Directory technology. It becomes a necessity to have an Exchange reporting tool that will equip an Exchange Administrator with precise, granular, comprehensive and actionable data on all aspects of the MS Exchange Server.

ManageEngine Exchange Reporter Plus is a web-based analysis and reporting solution for Microsoft Exchange Servers. Exchange Reporter Plus is a comprehensive MS Exchange reporting software that provides over 100 different reports on every aspect of the Microsoft Exchange Server environment.

What problems does it solve?

  • Track incoming and outgoing email message, monitor mailbox size, perform Exchange traffic analysis and keep spam away from Active Directory mailboxes with Mailbox Traffic, Mailbox Content. and Mailbox Size Reports .
  • Access real-time monitoring reports on Exchange database and server ; ensure Exchange health and smooth functionality of server roles.
  • Keep up with ActiveSync traffic in your organization by obtaining elaborate reports on ActiveSync usage, sync requests, policy details, status information device details.
  • Keep a tab on the number of messages sent and received by each Exchange server using Server Traffic Reports.
  • Monitor the vital statistics of Exchange Server Public Folders with comprehensive Public Folder Reports.
  • Generate reports on Distribution Lists and also show the traffic for each distribution by running Distribution Lists Traffic Report!

What features does it offer?

Reporting

Real Time Change Auditing

Experience enhanced security and be informed about any unauthorized mailbox logon attempts or changes made to mailbox permissions with Exchange server audit reports.

  • Monitor user logon patterns
  • Obtain reports on stores mounted or dismounted during a particular time frame
  • Probe into changes in mailbox permissions
  • Obtain complete list of access control entries values after and before the change in setting
  • Keep tabs on mailbox property changes such as quota changes, size restriction changes, activated mailboxes, deactivated ones and moved mailboxes.

Exchange Reporter Plus presents these reports in an easily comprehensible format, that even technically naive users can create and interpret. In addition to generating these reports in the blink of an eye, one can also export these reports. The reports can be downloaded as xls, csv, pdf or html files for further activities. Try Exchange Reporter Plus hands-on in our Live Demo !

Exchange Monitoring Storage, Email, Database, Service, and more

Retrieve data on health and status of components and functionality. Get one-stop overview of the entire Exchange organization.

Exchange Reporter Plus – framework functioning

Data, data everywhere! All the data that an Exchange Administrator needs is available in the Microsoft Exchange Server, Active Directory and Message Tracking and IIS logs. Exchange Reporter Plus creeps, collects and consolidates data from all these sources and gathers them in the software’s in-built database. When demanded, Exchange Reporter Plus uses programmatic analytics to convert this data into statistically informative MS Exchange Reports.

Technical Information

Windows XP, Windows 7, Windows 8, Windows 10, Windows Server 2000, Windows Server 2003, Windows Server 2008, Windows Server 2012, and Windows Server 2012 R2.


The 2016 Security 500 Rankings #2016 #security #500,security #500 #list,security #500 #rankings,security #leaders,security #leadership,security #report


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The 2016 Security 500 Rankings

Sponsored Content is a special paid section where industry companies provide high quality, objective, non-commercial content around topics of interest to the Security audience. All Sponsored Content is supplied by the advertising company. Interested in participating in our Sponsored Content section? Contact your local rep .

Brivo asked facility managers across the US a variety of questions about how they secure their facilities.

Events

The tragedy of the United States domestic violence situation is impossible to quantify. There is both a sordid history and an on-going crisis; a crisis that has become normalized. Since 2000, approximately more than 20,000 women have been murdered by domestic partners, or “family terrorists”.

In this webinar, you will learn about the current state of the access control market, including key technologies in use, how to best prepare for and conduct upgrades to access control systems and actionable best practices to protect organizations from common vulnerabilities.

Background Check Policies

Products

Effective Security Management, 5e, teaches practicing security professionals how to build their careers by mastering the fundamentals of good management. Charles Sennewald brings a time-tested blend of common sense, wisdom, and humor to this bestselling introduction to workplace dynamics.

Millennials like smartphones, online banking, selfies and security? The security industry is in need of millennials talent and innovation, but it s necessary to adjust expectations and support to get the most out of this new workforce. The Leadership Issue of Security includes insight into millennials career strategies, data breach response planning, hospital security more.

Copyright 2017. All Rights Reserved BNP Media.

Design, CMS, Hosting Web Development. ePublishing


North Carolina Accident Guide – Steps After An Accident #north #carolina #accident #information, #north #carolina


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Accident Guide in North Carolina

What to Do

If you’re involved in a crash, how you react afterwards can go a long ways towards saving you money and, depending on the situation, saving lives.

  • If you’re involved in an accident, don’t flee. You will be wanted by the law, regardless if you were at fault.
  • Take precautions to prevent other cars from adding to the accident. If possible, remove all the vehicles involved from the road. And then stay at the side of the road.
  • Offer assistance to the injured. Do not move an injured person unless there’s immediate danger, like a burning vehicle.
  • Contact the nearest law enforcement agency.
  • Exchange information with all involved parties. Be sure to provide your name, address, driver license number, vehicle registration number and vehicle insurance provider.
  • Try to get the names and numbers of witnesses.

The Law

Make an immediate report to the police if anyone is killed or injured, or if the total damage to cars and personal property tops $1,000. Failure to report the accident could balloon into legal hassles and result in a suspended license.

Parked Car Collisions

If you hit a parked car and leave a ding, try to find the owner. If you can’t, leave a note with your name, number, and insurance information on the windshield. Then, report the collision to the local police (campus police if you’re on a college campus) or to the highway patrol. If the note blows away, it’ll be considered a hit-and-run, unless it’s been reported.

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THE PLEDGE


CRNA vs #crna, #program, #work, #that, #believe, #hour, #week, #they, #about, #what, #school, #perfusion, #perfusionist,


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CRNA vs. Perfusionist

Aug 27, ’11 by juan de la cruz. MSN, RN, NP Guide

Perfusion is a good career in my opinion. It’s definitely under the radar as far as a career option – very few programs in the US with small class size in most programs. The role goes beyond running the Cardio-Pulmonary Bypass machine in the OR, some work in Extra-Corporeal Life Support centers and provide expertise on ECMO use at the bedside. The pay is lower than CRNA. I found that they have a forum here: http://www.perfusion.com/perfusion/education.html #

I am currently in perfusion school, and will be starting CRNA school in the spring so I can give you some insight into what it takes to get into both. Perfusion programs are considerably easier to get into than CRNA programs mainly because it’s a little known profession and there are far fewer applicants. There are about 25 perfusion programs and 110ish CRNA programs nation wide. The perfusion program I’m in is 18mo and pre-reqs are a bachelors degree, 9 hours of chem including organic and biochem, 5 hours of pre-calc mathmatics, 4 hours of physics, and 7 hours of A+P. You don’t need any prior clinical experience, but I can tell you my experience as an ICU nurse and ECMO specialist put me way ahead of everyone else in my class.

CRNA school requires a BSN or bachelors with an ADN. Minimum 1 year ICU experience (few get in with only 1 year), biostats, physics, college level math class, organic/bio chem. programs nation wide are in the process of switching to the DNP plan of study and vary in length from 24-36mo.

I enjoy perfusion school. It’s challenging but I’ve decided to switch to CRNA for a few reasons: 1 it’s what I have always wanted to do and the reason I got into nursing in the first place. 2 there are about 3500 perfusionists in the US compared to 40000ish CRNAs way easier to find a job or change jobs. 3 CRNA’s are LIP’s perfusionists are not. 4 I see myself getting bored after 5 years or so. 5 Perfusionists starting salary 80000ish CRNA 130000ish.

Perfusion is a great career, and it is what I would be doing with my life had I not been accepted into CRNA this year. If you are interested in perfusion try and set up a time to shadow one. All of the perfusionists I know are smart, easy going, nice guys. If you have any other questions let me know.

Quote from piratenurse0226

Just a heads up, have you thought of going into a surgical or cvicu? Just asking because if you want to pursue CRNA, they will only take adult ICU exp no nicu exp. if you’re serious about applying I would find an adult unit in your hospital to get into.

Schools decide what experience they take. Critical care is the requirement. I attend school with a PICU and NICU nurse. Some places also allow ER.

Hmmmm, well that’s good news then. Most schools that I’ve researched as well as some websites I’ve looked up said most schools will only accept adult ICUs. Thanks for the heads up

You’re correct in that many schools will only accept adult ICU’s. I’m looking at a school in northern california (I’m working in socal at the moment) that takes NICU exp. I don’t see why schools such as Kaiser/CSUF and others don’t acknowledge NICU as critical care experience. Ridiculous, in my opinion.

Quote from bdoubleu

You’re correct in that many schools will only accept adult ICU’s. I’m looking at a school in northern california (I’m working in socal at the moment) that takes NICU exp. I don’t see why schools such as Kaiser/CSUF and others don’t acknowledge NICU as critical care experience. Ridiculous, in my opinion.

I’ll agree with you too. ICU is ICU, you need to do more drug calculations is seems for pediatrics/neonates than adults anyway. Best of luck!


Innovative Solutions Insurance Services – Financial Report #innovative #solutions #insurance #services #annual #report, #innovative #solutions


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  • VC FUNDING DEALS: Full access to 91,732+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
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Innovative Solutions Insurance Services is a privately-held insurance brokerage. Founded in 1998, Innovative Solutions Insurance Services is headquartered in El Segundo, California.

Finding information on private companies can be painful. That’s why we created PrivCo – the ultimate private company financial research database – and why we have become the private company research provider and partner for hundreds of clients worldwide

Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

  • Regulatory filings
  • Legal exhibits
  • Business journals trade publications
  • News sources
  • Industry research
  • Company sources

Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.


Insurance CLUE Reports #clue #insurance #report


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Over the past few years, home insurance rates have gone up, but and you wonder why. Of course natural disasters, recent mold litigation losses, even an individual’s credit history, can increase insurance rates. But a little known report, commonly called the CLUE report, can affect how much homeowners pay for insurance and it’s causing a lot of controversy. The insurance industry says CLUE reports help keep costs down, but opponents say the reports can be a home buyer’s nightmare. There are two major property claims databases, CLUE (the Comprehensive Loss Underwriting Exchange) and A-Plus (Automated Property Loss Underwriting System). Most people refer to the reports generated by either system as CLUE reports

CLUE was created in 1992 and is administered by ChoicePoint, a data management company. Some 600 homeowner’s insurers (about 90% of insurers) contribute claims data to it. The insurance Services Office, an insurance industry organization, runs A-Plus to which about 1,250 companies contribute. Insurers contribute loss data can also withdraw information from the exchange. According to the Insurance Information Institute, a typical homeowner files a claim only once in 10 years. Since the data is only kept for five years, most people have no CLUE record. Data provided in CLUE reports include policy information such as name, date of birth, policy number and claim information such as date of loss, type of loss and amounts paid.

Homeowners can get an electronic or mailed copy of their own CLUE report for a small fee depending on which state they reside in. If a homeowner lives in Maryland, Georgia, Massachusetts, Colorado, Vermont or New Jersey, they are entitled to a free copy of their consumer report.

Unfortunately, if a buyer is in the process of purchasing a home, they can’t order a copy of the home’s CLUE report. It must be done by the seller or the insurance carrier. Sellers who suspect errors may contact ChoicePoint or their insurance agency, which must follow certain procedures to investigate the discrepancy.

A buyer is recommended to make the purchase of a home contingent on receiving a copy of a CLUE report and being able to find affordable insurance.

CLUE reports are playing an increasingly important role in real estate transactions. Many buyers now stipulate that a CLUE report on a home must be included with the real estate transaction. One of the most controversial issues surrounding the information found in the CLUE database is that an innocent inquiry from a homeowner to their insurance company concerning their deductible or a possible claim, can trigger a file to be opened in the CLUE database-even if the homeowner does not file a formal claim.

Sellers might use a clean CLUE report as a marketing tool or a back-up to the Sellers Disclosure Form. The CLUE report will identify a previous 5 year history of the property. Sellers who find that past claims make their home uninsurable may have to take their home off the market. At most the seller would have to wait 5 years for all the claims to drop off the CLUE report as long as no new claims are filed.

Most state insurance laws allow insurers 60 days after issuing a policy to thoroughly review all the underwriting information, including CLUE reports, and cancel a policy if new information comes to light that makes the risk unacceptable. However, a homeowner’s policy must be in place at closing and since many home buyers leave purchasing a homeowners policy to the last minute, the insurer may not have checked all the underwriting material by the time the closing takes place. This may leave issues that could arise after the home has closed and the buyer has moved into the property. Because of this, Realtors are now encouraging buyers to start shopping for coverage early in the real estate transaction process and include a contingency that the purchaser is satisfied with the insurability of the property.


Retail crime in UK at 10-year high, industry report says – BBC News #jobs #in


#british retail consortium

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Retail crime in UK at 10-year high, industry report says

Crime cost the UK retail industry £603m in the 2013-14 financial year, 18% higher than the previous 12 months, according to new research.

The British Retail Consortium (BRC) said shoplifting, cyber-crime and fraud is now at its highest since its current recording system began in 2004.

Theft by organised criminal gangs had become a huge issue, the BRC said.

The value of goods, money or services stolen from stores is now worth an average of £241 per incident.

Although the volume of theft offences fell 4%, the BRC’s annual crime survey said that gangs are targeting more expensive items and stealing in bulk.

The BRC report said that the “upward trend in the value of these offences is thought to be due to the continued impact of organised gangs stealing in volume and targeting higher value items to sell on”.

It said retailers surveyed “estimated that 40% of shop theft is carried out by organised gangs, with the majority of fraud also attributed to activity by organised groups”.

Items most frequently targeted included electrical goods, designer clothes, power tools and cosmetics.

The report found:

  • there were 698,184 offences resulting in loss or damage to property in 2013-14, but said the true figure is more like 3 million
  • customer theft made up the bulk of the criminal activity, accounting for 81% of all incidents
  • retailers reported a total of 135,814 incidents of fraud, up 12% on the previous financial year
  • there were five robberies per 100 stores in 2013-14, a 29% decrease but the cost per robbery fell only marginally, from £1,316 per incident in 2012-13 to £1,280 per incident in 2013-14
  • retailers reported 58,014 incidents of violence and abuse

BRC director general Helen Dickinson said: “Criminal activity against UK retailers continues to have wide-ranging consequences for businesses, employees and the vast majority of honest shoppers.

“It is clear that retailers are facing an increasingly sophisticated criminal. Despite an average investment of £2m per business in crime and loss prevention, retailers need help and support to respond to the threat.”

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