Are student loans helpful?

 Computer HW  Comments Off on Are student loans helpful?
Jul 182023
 

As there is a great demand of trained professionals all over the world, the cost of professional education is rising day by day. Nowadays it is very difficult to bear all the expenses of higher education on you own. Of course, there are many grants and scholarships but they are not enough for sky-touching costs of professional courses and institutes. If your savings are not enough to bear the expenses of your education, the only way left is student loans. Often students are low interest rate loans and they do not cost much. Therefore, there is no extra burden on students when they complete their studies. You can explore many websites for the best student loan deals. These sites provide you the complete information of different finance organizations and you can compare them, which enable you to pick the best deal suited to your requirements.

You can easily fulfill your education goals with the help of student loan. Student loans are a lifeline for the students who do not have enough resources to complete the higher education. Now you can achieve your dreams of studying in a reputed institute with the help of a student loan. Earlier, many students have to drop their studies due to lack of sufficient resources. Nowadays many financial institutes are coming forward to help needy students and this is their future investment as well. The main reason for offering student loans in such a large number, especially if the history of student loan is not prominent, is that the government is supporting most of the student loan organization.

While taking a study loan you should clear one thing that the amount of your loan does not exceed your needs and you have to repay the loan. Because having loan is an easy task but to pay back is not as easy as they keep growing day by day. Before applying for a student loan, make it clear that you have consumed all the available aids and scholarships. When you finalize a student loan deal, make all terms and conditions clear and understand all the financial aspects as well.

Companies finance loans based on your income, if you are an adult student and if you are dependent on your parents then the income of your parents is taken into consideration. Generally, student loans cover all the expenses such as tuition fee, lodging, books, computer and even the travel cost. Most of the student loans are flexible as you can extend them according to your needs and requirements.

After the consumption of student loan, the first thought that should come to your mind is how and when you will repay the bank loan. It is better to repay your loans as early as possible. If you have taken more than one loan then you must pay the high interest loan first. You are advised remain in touch to moneylender all the time as they could guide you safely from inconvenient situation. You can avail different provisions such as you can leave your study place after the completion of your course and pay your loan from your new working place.

If you have availed some student loan and completed your education, job hunt becomes essential for you, as you have to repay the availed loan. With all your professional education, knowledge, experience, getting a good job is not an impossible task. Therefore, investment in studies is not a bad deal as there is a great demand of qualified professionals all over the places. So, one can say that student’s loan is a lifetime investment for a brighter career and future.

Best mobile phones – Transforming lives

 Fragrance  Comments Off on Best mobile phones – Transforming lives
Jul 172023
 

We, humans, are social in nature. We like chatting up with old acquaintances; we like renewing bonds of friendship and we also like sharing our ideas and opinions with our friends and family. It is impossible for us to exist in a circumstantial vacuum. In addition to being social, we are fun loving. Many among us also like to keep ourselves updated with the latest on information and news, a practice which keeps us in good stead in this ever changing and competitive world. The latest mobile phones enable us to cater to all these diverse needs in a comprehensive manner. And this explains the growing popularity enjoyed by some of the latest and the best mobile phones. We can initiate the discussion by talking about third generation (3g) mobile phones. These highly sophisticated handsets can be used for making video calls, wherein it becomes possible to see the person that you are talking to and that too in real time! These 3g handsets can also be used to access the internet at high speeds and download information at the click of a button.





Apart from 3g handsets, mobile phones with multimedia capabilities as well as imaging options have also captured the imagination of phone users. People in different parts of the globe have been fascinated with the idea of using their handsets to capture images of some of the memorable moments from their life. Many among them have also been enthusiastic about using their mobiles for listening to music – a feature which has now become quite common and is presently available in many of the latest models of mobile phones. For instance, the latest handsets from Nokia, Samsung, Sony Ericsson and Motorola come with integrated mp3 players and digital cameras. In addition, it is possible to download intriguing mobile phone games and ringtones to many of the best mobile phones.




So, what are you waiting for? Browse through an online mobile phone guide, get to know more about the latest features of some of the best mobile phones and take your pick from among the multitude of handsets and deals on offer. It can be said, with some degree of certainty, that owning the latest and best mobile phones would definitely transform your lives for the better!

Best Mobile Phones

Great tips for safe and successful online shopping

 General  Comments Off on Great tips for safe and successful online shopping
Jul 162023
 

The online shopping industry has grown a lot in the last year, and millions of people prefer to buy from the large variety of online stores than to waste time at the long lines from supermarkets. Furthermore, the online shopping industry keeps growing, and more and more products are made available online. You can now find everything from CD’s to fruits and books, and you can purchase the items you want just with a few clicks.

But you need to take some things into consideration if you intend to find the best deals and the best online shops. You also need to beware of the security issues that may occur. If you try to remember the simple things mentioned here your online shopping experience will be practical, fun and safe.

First of all, try to buy from a well-known company that has an online business that everyone has heard about. Most of the large companies also sell their products online, so if you purchase from a well known brand, the risks of fraud or poor quality items disappear.

Also try to use a secure server when you shop and use your credit card. Using the latest version of the internet browser also increases security. Most of the online shopping websites use encrypted information anyway, to prevent hackers from stealing personal information.

Use an online shopping directory to find the best shopping sites and deals. Shopping directories are great when searching for online shopping websites, because they have links to a large variety of sites, and the stores are grouped in categories depending on their region and on the merchandise that they are selling. Some of the online shopping directories also have reviews of the stores that they are linked to, so that you know what to expect from them.

Try to find the lowest prices and deals on the items that you want to purchase. There are some websites that have links to other websites that have discounts and special offers on their products. You can use one of these sites to compare between several stores and find the best prices.

Spend a few minutes to read the privacy policy and the return policy of the company that you’ve decided to buy from, so you know what to expect from them. After placing the order print the page so you keep a proof in case something goes wrong.

Make sure that the merchandise that you ordered will be delivered to you in time. The closer the store is to your location, the faster your order will come to you, and the shipping fees will also be lower too. You may find a cheaper item in an online store that is outside of your country, but it’s better to order from inside your country, because the shipping fees for an item that comes from across the border will be higher.

Online shopping can save you a lot of time and money, and the online market keeps growing so if you haven’t tried buying something from an online store, give it a try and you’ll see that it’s much simpler than going to a supermarket. You can order food and clothes for you family in a few minutes and with a few clicks, and you don’t have to leave your home to do it.

All the online shops contain a brief descriptions of the products that you can buy from them, and pictures so you can see the things, so there’s nothing to worry about. Many people became addicted to online shopping after placing a few orders, and the safety of online shopping keeps increasing, so why don’t you give it a try? Just remember the simple advises mentioned above.

Circling The Sunday Paper Classified Real Estate Ads Seemed Futile With Their Bad Credit-Then It Hap

 Gifts  Comments Off on Circling The Sunday Paper Classified Real Estate Ads Seemed Futile With Their Bad Credit-Then It Hap
Jul 152023
 

After shoveling for a solid three years to get out of the debt hole they had created, Allen and Monica were making some progress. In a full effort to put their past credit history behind them there was still some nagging credit issues to get handled before they would be considered to have taken the full “cure”.

Weekend overtime, extra hours, daily overtime plus part time work resulted from the pact that Allen and Monica had made with each other three years ago. That every evening it seemed so hopeless. Laying out all the bills on the kitchen table and working a plan tied to a budget as laid out by one of the top radio financial specialist they made the commitment to turn their situation around. They agreed that bankruptcy was not an option they wanted to consider. They agreed and reaffirmed that they had made the debts and wanted to pay every penny. It seemed like a long time ago that the plan was put into play. So much had been missed but so much had been gained. Due to the distance that Allen and Monica had traveled, their credit scores had risen from below 500 to just over 580. Just six month ago in the then red hot real estate market, their efforts to buy a house were rebuffed by the “experts” who told them to rent another year and save 10% for a down payment. In the middle of their credit repayment plan, there was no way a requirement to save and put down $25,000 in cash and pay all the closing costs plus the escrow and reserves.

Like clockwork, every Sunday morning, after taking this one precious day to sleep in till 10:00 AM, Allen retrieved the morning paper and went through the sections carefully separating them for Monica until he found the real estate classified ads. This exercise acted as a means to keep their sanity and justify the brutal work schedules and personal denials necessary to stay on point and dig out of their deep financial hole. A part of their joint pact was to earnestly seek to buy a home so that they could start raising a family as a reward and the final payoff for their work out plan on the paying their heavy debts. Allen had done this so many times it seemed like a structured ritual. First the area of homes they wanted to live was noted. Next, the index finger of the left hand started moving down the columns with the blue pen at the ready in the other hand. Allen and Monica could now almost write the ads. This had gone on for the full three years. Allen didn’t really know what he was looking for but theorized that when he saw something he would know it. Allen and Monica had paid their rent on time for the last three years. They had paid $1,400 per month for the rent of a small home. At the completion of their pay back plan they would free up some $1,800 per month. They were just 10 months away from meeting their goal.

Allen and Monica had been reading the real estate market was softening but every time they spoke with a listing agent they seemed to be rigid and inflexible as if they were still living in the red-hot market that existed six months ago. Getting so close to their goal, Allen and Monica were getting pumped by getting so close to their eventual goal. They realized it was still going to be tough with little money available for a down payment but knew their monthly nut was going to down substantially with all their credit cards and installment debts would be wiped out. Allen and Monica, unlike many couples, had gotten even closer through their mutual sacrifice and in their “spare” time were developing an online business plan that they might rollout down the road when start up capital might be applied. The three years had prepared them to do careful planning and research to make sure they were on sound footing when they did not have to work weekends and second jobs. It was a labor of love and gave them both great options.

Allen’s left index finger was on it, but he couldn’t believe what he was reading in the ad. He flipped the front page over to make sure it was the correct date. It would have been a cruel joke. There it was an ad that said: “Got a job and can afford a reasonable payment-call now and start packing.” The agent gave his name, company and phone number and it closed with the statement: “Your creative real estate specialist with good or bad credit”. Allen quickly circled the ad and showed it to Monica. They looked at each other with big grins. Monica handed the phone to Allen knowing what the end game entailed. Allen called the “specialist” hoping it was true but anxious to find out if it was another dead end. Monica looked from across the room not wanting to hear yet another disappointment. Allen was on the phone with “Mr. Creative” for ten minutes. Allen and Monica had already determined that they needed three bedrooms, two baths, with a two- car garage in the area they had called and targeted. They had a budget established of a payment of $1,850/month made all possible with the debt reductions. Allen got off the phone and explained that “Mr. Creative” made a conference call with a mortgage broker and to determine what was possible. Allen and Monica had been monitoring their credit score and knew it first hand. They used this to keep track of their progress of credit debt payoffs. Allen got off the phone with a smile and told Monica, we’re going to look at a house. Monica was shocked. She couldn’t believe it. Monica asked Allen if he had told them all about their situation and the fact they had little money saved. Allen confirmed to Monica that he had and it was still a go.

As Allen and Monica rolled up to the home they were surprised that it had a lot of curb appeal but needed paint and landscaping. It was what they were looking for. They didn’t mind a little work. It would be a cakewalk compared to what they had been through the past few years. The mortgage broker was with “Mr. Creative” and remained in the kitchen as Allen and Monica slowly toured the home and began the mental game of imagining themselves in the home. As they came back to the kitchen Allen posed the question to the two knights, “Well, we like it, now what?” “Mr. Creative”, whose name as it turns out, was really Tommy and the mortgage broker’s name was Richard. Tommy, explained the owner’s had moved out of town and bought another house and needed to sell the home ASAP and was willing to do whatever was necessary to make it happen. It needed to be sold yesterday. Richard explained that with their credit situation they could get a 95% Loan To Value subprime loan which was 5 year fixed ARM loan with a 40 year term. The rate would be 8.25%.

Tommy chimed in that the taxes were $2,600 or $216.67/month and hazard insurance was being quoted at $2,350 or $195.83/month. Richard explained that with a current list price of $195,000 the 95% loan would be $1,322.94/month on $185,250.00 plus $216.67 in taxes and $195.83/mo. in hazard insurance for a total payment of $1,735.44 on the 95% portion. Tommy jumped in with the fact that the seller was willing to hold a 5% Loan To Value 2nd mortgage of some $195,000 x 5% = $9,750 which could be paid at $118.29 over a ten year period with a five year balloon at 8%. The total payment would then be $1,735.44 plus $118.29 on the second for a total debt service payment of $1,853.73/month which was within their budget and they felt like they could handle it. Richard further explained that Tommy had already worked it out with the seller to pay all the closing costs, prepaids and escrows so the Allen and Monica could walk into this situation with the price of an appraisal. The small savings they had plus a bonus would count for two months in housing reserves. Richard explained that this was a band aid loan with a five year clock and went on to reason by that time, they would be able to refinance and get a much lower rate with one loan. The comparable sales were about 10% higher and with a little fix up the price should be right up with the rest of the neighborhood. Allen and Monica were taken aback. They couldn’t believe that this whole thing was possible. After a 30-second discussion, they told Tommy and Richard to make it happen. Richard went on line and hooked up with a network connection and logged in the loan with input from the soon to be new homeowners. After 20 minutes, Richard had a prequal approval. In the meantime, Tommy was talking with the sellers and used his laptop to write up and offer on a writing tablet computer and e-mailed the offer to the sellers. With the verbal approval, Allen and Monica floated out the door not believing what just had transpired. They had banged on so many doors and none had opened, until today. This was a special Sunday where they found a Tommy, a Richard and a seller willing to help them even with challenged credit. All the stories are not on late night TV. It’s happening all around the country. Reach out and touch someone. This is a buyer’s market with great deals available. Buying cycles do not last forever. If in the market, act now.

Dale Rogers
www.sellerhelpsbuyer.com
www.brokencredit.com

How To Find Great Deals At eBay

 Gifts  Comments Off on How To Find Great Deals At eBay
Jul 142023
 

Everyone loves a great deal. Many people spend quite a bit of time searching for good deals on the items that they want and need and when they find those deals they experience a certain amount of satisfaction.

These people typically haunt garage sales, stores that are holding sales, wholesale warehouses, flea markets and especially online
and offline auctions. With the incredible number of auctions that are constantly going on at eBay it can be difficult to find the items you want at the price you want to pay. But it isn’t impossible to find great deals.

There are steps you can take to ensure that you are getting a great deal on the items you purchase through eBay. In fact, these same steps will also help to protect you against fraud. Participating in online auctions is a great deal of fun but you must use caution as well. This caution entails doing your research before you place any bids.

Start with the auction in question. Make sure that you read every word of the description and the auction details. You can never have too much information especially if that information is about an individual that you may be doing business with. Pay special attention to what the description and auction details do not say. For instance, is a guarantee mentioned? Is the item new? Is it authentic? Is there proof of authenticity? Look for auctions that provide the right information and the right amount of information. Avoid those that do not.

Who will pay the shipping and handling costs? Often, the buyer pays these costs and sometimes, the seller tries to charge more than the actual shipping and handling costs are. Beware of high shipping costs, especially for items that will be auctioned off at a very low price. Also note when the item is supposed to ship after the bidding has ended. Depending on what you are trying to purchase the item for it may not arrive in time.

Don’t make the mistake of bidding on an item simply because it is a good deal. It is only a good deal for you if the item is something that you really want or need. Many people simply bid for the sake of bidding or winning without having any real need or desire for the item in question. Before bidding on items that you do want or need, check prices around the Internet and the prices available from offline sources as well. Just because it is on eBay does not guarantee that it is the cheapest price available.

Finally, learn more about the seller. Can you trust them? What is their rating? Read their feedback page. Failure to learn more about the seller can becostly. Not everyone is as honest as you are – and the seller may be trying to take advantage of people that simply don’t know enough to find out more about them. Sometimes scammers make their auctions sound like really great deals. Beware of prices that seem extremely low.

MLM Training – 5 Steps to Easily Handle Your Prospect’s Objections

 Flowers  Comments Off on MLM Training – 5 Steps to Easily Handle Your Prospect’s Objections
Jul 132023
 

Have you ever experienced a loss for words when a prospect asks you “Is this one of those pyramids?” or “Is this like Amway or Mary Kay?” Perhaps you said the wrong thing and lost the their attention. Your prospects will always have objections about your MLM business, but with the right MLM training techniquies, you can easily resolve them when you follow these five steps.

This discussion on handling questions and objections only deals with those that come up during an invite call – as in the first time you talk to a prospect and are inviting them to look at your MLM business.

Let’s start off with defining what “Handle Questions and Objections” means.

Definition: Handle – to deal with effectively (there are a lot of replies out there, but they don’t handle the question or objection)

Definition: Questions – something asked

Definition: Objections – expressed or unexpressed opposition (to be against or resistant to).

The purpose of Handling Questions and Objections is to get the prospect beyond their question(s) and or opposition(s) which are currently stopping them from attaining what they stated they need, want or don’t want as it pertains to your network marketing business.

When your prospect doesn’t do what you’ve asked them to do (like listen to a CD or attend an MLM business briefing) he/she has an unresolved question and/or objection. There are two kinds of questions and/or objections:

Expressed – when your prospect expresses a question or objection – be very thankful! It’s one you don’t have to DIG UP! (Example: My sister tried a network marketing business and she failed.)

Unexpressed – when your prospect withholds their questions or objections. Your job is to locate and remove the unexpressed questions and objections. (Example: Your prospect doesn’t show up at a follow up appointment.)

These questions and objections, whether expressed or unexpressed, can stop and ARE stopping your prospect from getting what he/she has stated they want (more money, work from home, etc). So you need to effectively handle these.

I can assure you – if you don’t handle the questions and objections now, they will linger in your prospect’s mind…even if they still sign up in your network marketing business! It’s happened in my business. I sign someone up. We go through all of the MLM training together. My new person seems excited about network marketing. And then all of the sudden, she’s no where to be found. Doesn’t answer my calls and won’t return them. Most times, they disappear because of an unexpressed objection or question I didn’t resolve when I first introduced them to my MLM business.

There is a formula for handling questions and objections. The reason a formula is necessary is so you do all the necessary steps to effectively handle the objection. If you just “give the reply,” you can miss all the other necessary steps to HANDLE the question or objection and worse – you can upset or give extra strength to their objection. Many, many times I’ve seen the objection fizzle to nothing just by properly doing the first three steps of the Objections Remedy Formula.

Questions & Objections Remedy Formula

Step 1. Listen completely through the question/objection.
Purpose: So you are sure you get the correct objection and to respect the prospect’s right to communicate a full thought without you feeling your thought is more important.

Step 2. Confirm understanding.
Purpose: So that you handle the real objection or question!

Here’s an example:
Prospect: Is this sales?

Networker: I want to make sure I fully understand your question. Could you clarify what you mean by “sales?”

Prospect: Would I have to go out and sell products door to door?

Networker: Oh, now I understand. Thank you for clarifying that. Are you looking for this type of sales? (further clarification)

Prospect: Absolutely not.

Step 3. Make the question or objection valid, but don’t agree with the objection. Use the same or slightly less intensity.

Definition 1: When you make a question or objection valid, you make it important.

Purpose: You want to make the objection important because it’s important to the prospect. Making it important doesn’t mean you also have to agree with it. If you agree with it, you will give it extra strength. This is not the desired effect. You want them to know that you heard them and that you understand their concern.

Definition 2: Intensity is the volume and animation you use. Using similar intensity helps you communicate better with your prospect. If your prospect is very animated about something and you sit there like a stump – your level of communication will lessen. Conversely, if you’re very animated and your prospect is subdued, the same non-optimum effect occurs.

CORRECT: I completely understand your concern. (Made objection important without agreeing with it)

INCORRECT: I feel (felt) the same way…(This is incorrect because you agreed with objection)

INCORRECT: Oh! I totally agree! I would NEVER go door to door – are you kidding me – that is so below me! (This is incorrect because you agreed with objection and used too much intensity)

Step 4. Handle or facilitate handling Questions and/or Objections.
The purpose of handling questions and objections is to get the prospect past the concerns that stop him/her from getting what they’ve stated they need and/or want as it pertains to your MLM business. The most effective way to handle objections is to get the prospect to create a solution to their own objections.

CORRECT: In the past there have been people to use the door to door method to find prospects, but there are many ways to locate interested prospects. What methods of prospecting do you feel comfortable with?

Prospect: Well, I wouldn’t mind mailing out post cards. I also like running newspaper advertisements.

Networker: Good, both of those can be effective ways to find prospects.

See, the networker is not “handling” the objection; he/she is facilitating the prospect to handle their own objection. The key is to ask questions that lead the prospect to their own solution. If you say it – it can be challenged. If the prospect says it – it must be true!

NOTE: Do not move to the next step “Complete and Return to Previous Inviting Formula Step” until you are certain the objection(s) is handled.

Step 5. Complete and return to previous inviting formula step.
Definition: The “Complete and Return to Previous Step” completes the conversation about the question or objection and moves prospect and networker to the step of the Inviting Formula they were on prior to the question or objection.

Note: The “Inviting Formula” is a series of steps that guide you through an entire conversation with a prospect. The full MLM training on Inviting can be found in a CD series I authored called “Professional Inviter.” For quick reference in this article, the Inviting Formula is:

Greet
Qualify
Invite
Handle any Questions/Objections
Close to Action
Follow-up or Follow-through

Example: Thanks for bringing that up. Now that I know a tad bit more about you, tell me, you sound like you’ve had experience in marketing – is that correct? (Moving prospect and networker back to Qualify step – which is where on the Inviting Formula they where when the Question arose.)

Prospect: Yeah I’ve been doing it my whole adult life.

Networker: That’s great – so you understand that marketing is “how you find the customer?”

Prospect: Absolutely – companies couldn’t exist without marketing.

Networker: Since you know that, have you ever thought about marketing for your own business?

It’s very important that you get good at using this formula in order to have success in your MLM business. See, when you take the responsibility of prospecting someone and inviting them to join your MLM business team, you are agreeing to become their teammate, a teammate that will help their mate get over the obstacles that stop them from making a lot of money.

If they could have done it on their own…they would have. They need you! They put this “objection” in their way of wealth. You, being a good teammate, help get them beyond this obstacle. The Questions & Objections Remedy Formula I’ve given you above will accomplish that.

Dealing With Interuptions

 Uncategorized  Comments Off on Dealing With Interuptions
Jul 122023
 

Overcoming Interruptions in the Home Office



Questions:

I have too many interruptions and can’t keep everyone out of my office. I never get things finished. When, kids come home from school for the summer or holidays, it adds another challenge of disruptions meaning less time for work.



This weeks question deals with the many question I received about how to handle interruptions.



Answer:

Any time an unscheduled event or something happens causing your attention to go off focus from what you are currently doing is considered an interruption. Knowing how to effectively manage your time can help you in dealing with interruptions.



Disorganization and people are the two major causes of interruptions. A few suggestions on organizing your environment can be found in a series called “Tackling the Clutter Monster” http://www.simpletimemanagement.com/?cat=6 . Today’s questions address the people interruption. Some of the very reasons why you choose to run a home office become a major source of not getting anything done.



Time Management and Summer Interruptions

How to Handle Holiday and Summer Interruptions



Holiday’s and summer causes a natural slowness in many businesses. Unless your business thrives during these times, why not take advantage of this natural cycle. Summer is a good time to take assessment of the past six months and make some midcourse corrections. End of the year holiday season is an excellent time to wrap up the year and plan for the next.



Let’s get realist about the fact that kids home from school may take away hours once devoted to business.
Their ages will determine the demand they put on your schedule. Adjust your business schedule. Let your clients know ahead of time about the changes.



For Example: Establish summer business hours. Start later and or close sooner. The last thing I wanted to do was work my “normal” business schedule during the summer. Summer is too short here in Cleveland, Ohio to spend it all day cooped up in the office. My daughter and would spend the mornings together at the zoo or head down to University Circle and hang out at the different of museums.



Take your office outside. Put together a portable “mini-office” that can travel to the pool, park or the backyard deck. You can get some work done while the kids are playing. Even though Allyce is away at college now, I still head outside with my portable office.



Don’t fight the changes that summer and holidays cause in your normal business routine… work with them to your advantage. However you still need to maintain your business or summer and holiday interruptions can cause the momentum to stop. While you may work less business hours, make those business hours really work for you.

College Tonight Taps JuiceCaster to Strengthen Online Community

 General  Comments Off on College Tonight Taps JuiceCaster to Strengthen Online Community
Jul 112023
 

College Tonight Taps JuiceCaster to Strengthen Online Community
College Students Can Share Experiences Instantaneously Using Innovative Mobile Social Networking Service

LOS ANGELES, Oct. 24, 2006 (PRIMEZONE) — Juice Wireless, creators of JuiceCaster(tm) — the groundbreaking mobile content-sharing community — today announced that College Tonight(tm), a social networking site dedicated to college students and campus nightlife, will be providing the JuiceCaster service to its members to enrich their college experience.

College Tonight is a social networking mainstay that offers a resource for students and alumni who wish to take advantage of the many social events that happen on and around college campuses. By taking its communities mobile with its agreement with Juice Wireless, College Tonight empowers student members at more than 190 colleges and universities throughout the United States with user-friendly networking and mobile content-sharing tools.

JuiceCaster was the first application to enable users to capture picture and video content on mobile phones and then easily share this content with other JuiceCaster users on their computers or mobile phones. Specifically, a viewer can search for and stream fresh, user-generated videos and pictures directly to a mobile phone.

With its new MediaBox feature, JuiceCaster connects the user’s mobile phone with their entire online life. College Tonight members will be able to easily capture interesting pictures and videos on their cell phone and with one click, post to the JuiceCaster MediaBox on the College Tonight page. Connecting members’ phones to their online life to learn about events, and organize their personal school and social life is a vital, organic, and deeply enriching experience for college students.

“Partnering with College Tonight made perfect sense, as college students use their mobile phones continually throughout the day and night,” said Nick Desai, chairman and co-founder of Juice Wireless. “With JuiceCaster, College Tonight users can share everything that happens instantaneously, the moment it happens with friends and family.”

In addition to MediaBox and its core multimedia mobile blogging capabilities, JuiceCaster offers powerful community and networking features. For example, users can create a self-organizing community for any topic or subject. Additionally, JuiceCaster facilitates user-to-user and user-to-group text messages from their phone or right from the College Tonight website. JuiceCaster also provides user-defined mobile alerts when new JuiceCasts of interest are created and when users of interest are online.

“The JuiceCaster MediaBox feature is a perfect fit for our site, as we are dedicated to offering information about nightlife for college students,” said Zach Suchin, president and CEO of College Tonight. “There’s no better way to share with friends or family members what they are experiencing than through photos and videos taken of the moment, in the moment. Seeing these images of parties and events is a powerful tool for relaying and sharing experiences with friends and encouraging them in turn to take their own photos and videos.”

About Juice Wireless

Juice Wireless, Inc. is an award-winning creator of innovative, consumer-friendly and powerful applications accessible by consumers on virtually all digital devices, from PCs to mobile phones to iPods(tm) and more. Juice Wireless’ flagship service is JuiceCaster (www.juicecaster.com), the world’s first Personal Broadcast Network(tm).

In November 2005, Juice Wireless was awarded the “Best Use of Mobile Marketing in North America” by the Mobile Marketing Association (MMA) for its innovative EpiToGo mobile recipe and shopping application. Juice Wireless has executed highly successful mobile phone-based marketing programs for customers including AOL, Conde Nast, Teen Vogue Magazine, Glamour Magazine, Allure Magazine, The Gillette Company, Sony Connect, Transworld Entertainment (FYE.com) and others.

The Juice Wireless logo is available at http://www.primezone.com/newsroom/prs/?pkgid=2258

About College Tonight

College Tonight ( http://www.CollegeTonight.com ) is the only nightlife networking site on the Internet for college students, and is rapidly growing in popularity. In addition to illuminating the hottest info and deals, catering specifically to each college, the site has many innovative features such as the Crush Calculator(tm), Personal Entourage(tm), a Hook-Ups feature, Your Shots, Social Polling, Personal Social Calendar, a Vacation Feature and various other social tools. Users can tag friends or venues and organize groups. After close to a year of development and the meticulous gathering of data, the site was launched in September of 2006. Since then, the reaction has been extremely positive and has had great success with both undergraduate and graduate students from across the country. Featured on ABC News, FOX News and various other media outlets, College Tonight has garnered international attention for its unique blend of relevant, user-driven information and social networking.

Go wild with the stylish MacSleeve Jungle!

 General  Comments Off on Go wild with the stylish MacSleeve Jungle!
Jul 102023
 

Mobilejuice introduces the bold and stylish MacSleeve Jungle, to protect your MacBook securely with its signature bright colours and sleek packaging suitable for all tastes and ages.



The MacSleeve Jungle is targeted at fashion conscious people especially students who want to protect their precious MacBooks in style. The Mobilejuice design team devised the crinkled texture to enhance its uniqueness and look. The bold colours attract all tastes and ages, allowing them to escape the conventional and boring black laptop cases, and yet sturdy enough to provide optimum protection. Also, the colourful unique animal logos are designed for people who want to make a fashion statement with their laptop case.

The MacSleeve Jungle features lightweight, sturdy, water resistant material, with double padding for added protection. The inner lip improves security and prevents your MacBook from getting scratched by the zippers.

This unique and modern case is available in 4 colours – red, orange, and black with either orange or red piping, uniquely named Tough, Stained, Wrinkled and Bold. It is suited especially for the 13.3″ MacBook.

This funky latest addition to Mobilejuice’s array of laptop cases follows the success of their previous innovative and practical inventions, MacSleeve Color and MacSling.

Mobilejuice is a Singapore based company, specialising in quality accessories for Mac/Apple products like Screenshield screen protectors and protective film for MacBook and MacBook Pro. They also have a large range of iPod cases and protective covers. Currently, they have business deals worldwide, including Asia, Europe, America, Middle East, Africa and Australia.

To know more about Mobilejuice and their products, you can view their website at http://www.mymobilejuice.com.

To enquire about sales in South Asia, Europe, Africa and Middle East, please contact David at corpsales@jchsmedia.com or Chun Hua for Australia, America, North Asia and local sales at chunhua@jchsmedia.com.


-END-
For more information, please contact:

Jean Phillips
JCHS Media Pte Ltd
No. 47 Beach Road
Kheng Chiu Building #04-04
Singapore 189 683
Tel: 65-334-6616
Fax: 65-334-6645
Email: jchsmediapr@yahoo.com.sg

Good Things To Know About Insurance Brokers

 General  Comments Off on Good Things To Know About Insurance Brokers
Jul 092023
 

Insurance brokers are the ones who make the process of paying taxes be as easy as possible. A broker is free to represent more than one client at the same time, very much unlike an insurance agent, who usually represents a single carrier.

In order to get help on finding the best plan for your business, a broker who knows the insurance carriers in your area can be very useful. Another reason for using insurance brokers is because their services are free most of the times.

Theoretically, brokers have the goal of giving the clients the best coverage at the lowest price, helping them understand the industry jargon that is most likely to be used in all the contracts and also dealing with the paperwork. They get paid out of the commissions from the carriers directly, instead of charging the clients for the services they provide.

This all works in theory. But in the real world the line between agent and broker can get very thin. The reason for this is the fact that some brokers have special relationships with certain carriers, meaning that they get a higher commission the more business they place and the good agents will often find the best coverage for their clients, even if it is with another carrier.

This switching thing makes it very difficult a task to choose the best broker on the market. The first thing you must find out about them is how they are compensated and if they have any special commission deals with the carriers they are recommending. They can also charge extra over and above the cost of the coverage. Another good thing to know from the start is how many different carriers they represent in a certain market. Should the answer be only a few, that could mean that they are acting more like an agent.

Never keep a broker who will switch your insurance on and on to new carriers, unless you are given the opportunity to save a significant amount of money. The brokers use to do that as when they bring new business to an insurance carrier they are given higher commissions.

So, you have found a good broker! The bad news is that it’s not enough. You will need a broker to specialize in property and casualty, that is workers ‘ compensation and another one to understand everything there is to know about employee benefits, which include health care. There are cases when you may need a third broker that specializes in another field, depending on your business.

All about Independent Insurance Agents

 Gifts  Comments Off on All about Independent Insurance Agents
Jul 082023
 

In order to get all the possible clients happy, thousands of agents are being employed by the insurance companies all over the world. These agents help the companies cater on a very personal level to all teh needs a client may have.

The insurance agents are the ones to get from all the details for a certain client. Starting with the lifestyle and ending with all the preferences, the agents will make up an insurance plan and policy for you, that will be based on all these details. These insurance agents are called “producers” because they help a great deal in choosing the best deals in insurance coverage and help customize the product to better suit a client’s needs and budget. That is very much like a personal shopper, as you may say!

Insurances are available in so many kinds and they can be personalized so that everyone can be satisfied. You can make an insurance for automobiles, assets, retirement planning, estate planning, for real property, health and even death. You can even get assistance in building a pension plans for businesses. So, you cannot say that you are not given the opportunity to find out which is the one that you really need.

Insurance agents always specialize in each area and aspect of the insurance products they offer. You will have to get the services of the most efficient insurance agents on the market in order to get the best products available.

The insurance agents come in two kinds: the captive agents and the independent ones. A captive agent is the one who works for only one insurance company and cannot give you information on the other options you may have.

An independent agent offers and sells policies for more than one insurance agency. This last type of agent might be most suitable for a person or for a business, given the multiple insurance needs. From the list of insurance providers and their products an independent agent will offer, you can decide for the best deals around, based on his comparative analyses he will set up for you.

So, you will be provided with all the balanced information on all insurance companies and you will have the freedom to choose from all the policy programs available out there.

The deal you will settle for must by all means be best suited for your business.

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