Archive for the ‘Three Credit Bureau’ Category

“Selling To The Generations? Among Most Popular Presentations at Yacht Brokerage University

April 24th, 2012 admin


“Selling To The Generations” Among Most Popular Presentations at Yacht Brokerage University

Norfolk, VA (PRWEB) February 06, 2012

The January 24 Yacht Brokerage University. co-presented by YachtWorld.com, a Dominion Marine Media (DMM) business with the Internet’s largest worldwide database of brokerage boats, and the Florida Yacht Brokers Association (FYBA), drew 192 brokers to the Hyatt Regency Pier 66 in Ft. Lauderdale. The syllabus included the following presentations and led panels:

    “State of the Industry.” Ian Atkins, vice president and ecumenical manager, DMM, and Tim Claxton, director of group product development, DMM, supplied a planetary review of the state of the marine industry and, more specifically, YachtWorld. They shared their insights into the future for consumers and businesses – from unit sales and valuations to a riveted approach on consumer purchasing power. The presentation besides supplied insight into the leading technology owed to establish in 2012. This included inhabit demonstrations of the YachtWorld iPad app and the BoatWizard iPhone app.     “BoatWizard.” Joe Lingerfelt, director of product support, DMM, shown tools to raise the user experience, including the unexampled photo uploader, printing options and unexampled enhancements, QR codes, and the Facebook inventory feed.     “Selling to the Generations.” Shane Pierce, fourth-year director of leadership development, Dominion Enterprises, revealed the dissimilar tactics involved to clear across multiple generations.     “Marketing in the Digital Age.” Kim Rocco, consumer marketing manager, DMM, gave insights into consumers’ mindsets: how they pass their time online, what their habits are, and how to pursue them. Attendees were shown how to act the canonic elements of digital marketing and advertising they already use and do the most of them to pursue target audiences.     “Best Practices panel.” Brokers and industry experts shared better practices and marketing initiatives that helped make more sales in 2011. Panelists were: Mike Reardon (Moderator) – Hill Robinson International
Tim Derrico – HMY Yachts
Bobby Stotler – Stotler Yacht & Ship
Jason White – YachtWorld.com
Paul Burgess – Sunseeker
Darren Plymate – Galati Yacht Sales
Frank DeVarona – Yachting Experts
    “Industry Experts panel. ”Brokers and industry leaders shared their views on the current state of the brokerage market and the future of the industry. Panelists were: Gary Smith (Moderator) – Sarasota Yacht & Ship
Tim Claxton – YachtWorld.com
Ian Atkins – YachtWorld.com
Steele Reeder – All Yacht Registries
Jeff Erdmann – Bollman Yachts
Vicky Bedford – Bureau of Compliance
Danielle Butler – Shareholder at Fowler White Burnett PA
    “IPhone App Testing Session.”The YachtWorld.com technical grouped demonstrated iPhone apps.

Brokers clearly enjoyed and benefited from the University. Among their remarking were, “Shane’s presentation on selling to the generations was the most informative presentation of the day” and “Thank you for putting on these events. They provide a great deal of information for us brokers and keep us on top of what’s new in the industry.”

All CPYB brokers that attended the event will receive credits toward the CPYB program. The Ft. Lauderdale YBU marked the kickoff for the 2012 Yacht Brokerage University series, with extra YBU events to be held in various regions across the US.

About Dominion Marine Media

Dominion Marine Media (DMM) is the Internet partner of choice for the recreational marine industry and operates the three market leading web portals – http://www.boats.com, http://www.yachtworld.com and http://www.boattrader.com. DMM is a division of Dominion Enterprises, a leading marketing services and publishing company, that provides businesses with a comprehensive suite of technology-based marketing solutions including Internet advertising, lead generation, CRM, website design and hosting and data management services. DMM has offices in North America (Norfolk, Virginia; Seattle, Washington; and Vancouver, British Columbia) as well as in Europe (United Kingdom and Italy). The company employs 150 people, has customers in 106 countries and advertises boats for sale in 193 countries. In 2010, over 38 million unique visitors spent time researching products on DMM web and mobile sites, apps and social media outlets. DMM’s global reach includes 22 localized web portals which are translated into 13 languages.

About Florida Yacht Brokers Association

The Florida Yacht Brokers Association was created in 1987 to unite those engaged in the yacht brokerage business for the purpose of promoting professionalism and cooperation among its members, and to promote and maintain a high standard of conduct in the transaction of the yacht brokerage business. Each member is required to abide by a code of ethics to protect the public against fraud, misrepresentation, or unethical practices in the yacht brokerage profession. Each member is to endeavor to eliminate any practices which could be damaging to the public or the dignity and integrity of the yacht brokerage profession.

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Three Credit Bureaus with Three Different Scores

April 21st, 2012 admin


Three Credit Bureaus with Three Different Scores

Article by Mary Scores

Why Each Credit Bureau Has Its Own Credit Score

Not so long ago, a person couldn’t see his credit score from each of the bureaus. This information wasn’t easily accessible to anyone but current and prospective lenders who used these numbers to weigh the risks of lending to a borrower. All that changed in 1999 when California lawmakers passed legislation that required the three bureaus in the U.S. to disclose credit scores to consumers. Now, people are more aware of the roles that credit bureaus play in their finances, but many of them want to know why each one has its own score. Well, there are several reasons for this, including:

• The data in each credit bureau’s files
The information on your credit report goes back seven years (a personal bankruptcy stays on your report for 10 years), and each bureau may have different information that would positively or negatively affect your score. So, if one of the bureaus has data that you missed a car payment five years ago, the other two may or may not have that data, and your score is likely to vary.

• Errors on your report
Given the automated nature of information, it’s almost guaranteed that you will have to contact the bureaus at some point to contest an error on one or all of your credit reports. When you swipe your card at the grocery store, it is one machine transferring information to another and any one of a number of things can occur that will result in an error. Errors on your report are 1 of the main reasons why you should check it often and use a credit monitor serve to help bring these errors to your attention.

• Not all lenders send information to all bureaus
It is very important to remember that some merchants and lenders don’t send their information to each of the bureaus. This is i of the more common reasons for your credit score differing from one bureau to the next.

• Name variations on credit applications
This is likewise why the credit bureaus usually have different scores for the same person. Think about it this way: Is your name spelled exactly the same on all of your cards, utility bills, mortgage, auto loans and other invoices? Probably not. Variations on your name can lead to different scores and more important, also lead to someone else’s irresponsibility showing up on your report.

These are a few of the many reason why credit scores may vary between different bureaus. Remember to obtain copies of your credit reports regularly, look for errors and proactively contest them with each bureau. Be sure to get current copying of your reports before applying for credit on a major purchase. A little diligence on your part could save you thousands of dollars over the life of the loan.

About the Author

FreeScore.com is a destination site for an increasingly credit-conscious public. The site offers immediate access to credit scores, reports and monitoring as well as educational information and tips on how to safeguard one’s credit and identity.





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Thanks to Theater Seat Store and Their New Line of InteriorMark Theater Seats, Everyone Can Enjoy a Top-of-the-Line Home Theater Experience

April 8th, 2012 admin


Thanks to Theater Seat Store and Their New Line of InteriorMark Theater Seats, Everyone Can Enjoy a Top-of-the-Line Home Theater Experience

Most InteriorMark home theater seat models are uncommitted in total leather upholstery like the Aspen demonstrated here.

Golden, CO (PRWEB) January 31, 2012

Movie prices have increased annually for the past seventeen years, while technology offers the newest releases almost as soon as the end credit roll on the theater test. Add in the woeful decline of movie-goer manners over the past decade or so, and the entire movie-going experience is no longer the thrifty thrill that it once was. Fortunately, TheaterSeatStore.com has a solution that’s destined to become a classic.

TheaterSeatStore.com’s collection of InteriorMark theater seats offers a comfy and affordable alternative to fighting the crowding and shushing the clueless. According to Bill Lorden, Director of Sales for Theater Seat Store, “In these days of ever-increasing movie ticket prices and almost-instant access to even the most popular releases, a quality home theater from Theater Seat Store will practically pay for itself in less time than it take to watch the Oscars.”

The InteriorMark Essex line of home theater seating featuring a space-redeeming design in soft and durable microfiber upholstery with the look and feel of leather. The deeply padded cushions and hinder offer excellent lumbar sponsor which can help ease back pain as the viewer sinks into the consoled and gets lost in the film. The chaise picked rest and motorised angling guarantee easy positioning, so people of all personify types can put up their feet and stretch out with room to spare.

InteriorMark’s Parker line offers a step up in fun and luxurious housed theater furniture. The motorized tip and chaise footrest ensure easy, custom comfort that fits well with whatever décor from traditional to contemporary. Little blue LED illuminate in the cupholders make sure the viewer doesn’t losing a scene while setting down a drink. The Parker line is upholstered in thick, top-grain leather, giving any home theater the kind of style, comfort and durability that people count on from InteriorMark leather home theater seating.

The Aspen line is the pinnacle of InteriorMark’s new home theater seating rim, and is a perfect fit for those who work hard and relax completely. The wraparound bucket seats enfolds the body like a really good story, while the motorize headrest lets the viewer selecting the hone angle for watching the show. The chaise footrest supports legs and lower back, and the LED lights in the cupholders are both practical and fun. The InteriorMark line of home theater seating combines the excitement of the theater with the soothe of house.

About TheaterSeatStore.com – TheaterSeatStore.com is a division of InteriorMark, LLC, who is the market leading retailer of home theater furniture products, entertainment furniture, massage chairs, sofas and sectional sets and bedroom furniture. The company offers a wide range of products and services planning to enhance and beautified a living room space or dedicated home theater environment. InteriorMark is a member of the National Home Furnishing Association, and is proud to be a member of the Better Business Bureau.

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Best Credit Cards for Home Business in 2012

March 31st, 2012 admin


Best Credit Cards for Home Business in 2012

CreditDonkey Logo

Los Angeles, CA (PRWEB) January 19, 2012

With more than half of U.S. businesses operating from their home (51.6%), according to a Recent survey by the U.S. Census Bureau, CreditDonkey.com published their updated list of the better business credit cards with the home business owner in mind.

“As home businesses continue to thrive, savvy business owners are turning to business credit cards instead of traditional bank loans,” said Charles Tran, founder of the credit card comparison website, CreditDonkey.com.

Credit card issuers are offering big incentives to entice business owners to sign up.

CreditDonkey.com compared generous rewards, low interest rates, low fees and helpful benefits to determine the best business credit card for home business owners.

“Business credit cards are a competitive advantage for home businesses, when used intelligently. It’s important to pick the right credit card for the specific needs of your home business,” says Tran.

The experts at CreditDonkey.com recommend the following business credit cards, depending on your home business needs:

Cash Back: Chase Ink Cash Business offers $ 250 cash indorse bonus after you spend $ 5,000 within 3 months. 5% cash indorsed on the first $ 25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services. 2% cash supported on the first $ 25,000 spent annually on gas and dining. 1% cash back on all other purchases with no limit to the amount you can earn. All with a $ 0 annual fee.

“Earning cash back helps your bottom line. Business credit cards aren’t just for charging needless expenses. The perks of cash back business credit cards allow you to reinvest into your growing business,” says Tran.

Travel Rewards: American Express Business Platinum offers up to $ 200 airline fee credit to cover incidentals with the airline of your choice. 20% travel bonus when redeeming with Membership Rewards Pay with Points. Complimentary airport club access, including American Airlines Admirals Club lounges. Concierge service to assist with your business needs from gift giving to dinner reservations. Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club, Avis Preferred, and Emerald Club from National Car Rental. There is a $ 450 annual fee.

“Traveling to conferences or meeting clients are well worth the investment. Using business travel credit cards allows business owners to minimize travel expenses while still enjoying the benefits of traveling in comfort,” says Tran.

Cash Flow Management: American Express Plum card offers a 1.5% discount when pay in full within 10 days. Otherwise, pay as little as 10% and take up to 2 months to pay cancelled the balance, interest free. $ 0 introductory annual fee for the 1st year, then $ 185.

“Volatile cash flow, seasonal trends and slow months are problems all home business owners face. Cover expenses with a business credit card until your customers pay,” says Tran.

Home business owners can visit CreditDonkey.com for free comparisons of business credit cards. CreditDonkey.com publishes credit card deals, tips and reviews to help entrepreneurs make informed credit decisions. They can search, compare and apply online, finding the best credit cards for their business needs.

Media Contact:

Charles Tran
charles(at)creditdonkey(dot)com

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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Step 2-Get a Complete Picture of Your Current Credit Situation

March 18th, 2012 admin


Do you find all the commercials and advertisements about free credit reports to be overwhelming? Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, put this great video together for you to share with your clients, to help them learn the three reputable means to obtain a copy of their credit report, and why pulling their own credit is a must! (www.lindaferrari.com)
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Ohio?s AgriPOWER Institute Receives Farm Credit Services of Mid-America Gift

March 15th, 2012 admin


Ohio’s AgriPOWER Institute Receives Farm Credit Services of Mid-America Gift

Louisville, KY (PRWEB) January 19, 2012

Ohio Farm Bureau Federation’s AgriPOWER Institute trains promising young farmers and agribusiness professionals to become strong leaders and advocates for Ohio agriculture. David Benavides, northeast Ohio regional vice president for Farm Credit Services of Mid-America, is a 2010 AgriPOWER grad who found his yearlong experience in the program to be a real eye opener.

“It was very much caring ‘taking the blinders off,’” said Benavides. “Not only did I learn about diverse types of farming operations across the state, I got to know many young leaders whose passion for agriculture and abilities are absolutely amazing. It too really helped me see a different side of farmers, and how policy changes can directly affect their lives and livelihoods.”
Benavides was so impressed with his experience that when he had the opportunity to give something back, he responded by helping AgriPOWER secure a $ 4,500 Farm Credit corporate stewardship donation. The gift was presented recently and will fund the tuition for a future member of the Institute.

“We’re extremely appreciative of Farm Credit’s gift,” said Sandy Kuhn, AgriPOWER director. “It seems like agriculture is constantly finding itself on the defensive about any number of issues these days, and AgriPOWER is developing future leaders and current advocates to be better able to tell agriculture’s story—similar how important it is for each of us to eat on a daily basis, and how Ohio farmers are doing the right things, at the right times, for the right reasons. This gift help us accomplish those kinds of objectives.”

Farm Credit’s David Benavides secured the recent donation to AgriPower. He is pictured here (standing far right) with his 2010 Class during a breakfast at the Ohio Governor’s Residence and Heritage Garden.

The AgriPOWER Institute was launched in 2008 by the Ohio Farm Bureau Federation as an elite program for highly-motivated young farm leaders and agribusiness professionals. The yearlong program focuses on public policy issues confronting agriculture and the food industry such as animal activists, climate change and trade policies. It helps participants develop the skills necessary to become effective leaders and recommending for agriculture by learning from experts in these fields.

The program consists of seven multi-day institutes (17 days total) and covers public policy matters facing local communities, the state of Ohio, the nation and the world. One of the sessions is held in Washington, D.C., to help class members gain a good understanding of national and global issues. To date there have been three classes of the AgriPOWER Institute, with 62 alumni. Class IV is currently in progress with 19 participants.

Kuhn said that follow-up studies have shown that AgriPOWER has been effective in preparing participants to move into leadership positions in local boards, churches, Farm Bureaus, and chambers of commerce, as well as some state organizations. Benavides felt that the training he received gave him a much greater appreciation for the need for people to speak up about agriculture.

“It helps participants understand that we have a voice and that we need to be telling the stories of what farming really is, rather than the perceptions many people today have,” he said. “It’s our job to educate consumers what farmers do, why they do it, and where their food comes from. That’s why I wanted to help Farm Credit give something back (to AgriPOWER). For things that are important to agriculture, we need to be engaged.”

About Farm Credit Services of Mid-America

Farm Credit Services of Mid-America is a $ 17.1 billion fiscal services cooperative serving over 92,500 farmers, agribusinesses and rural residents in Kentucky, Ohio, Indiana and Tennessee. The association provides loans for all farm and rural living purposes including including real estate, operating loans,equipment loans, and housing loans. FCS also provides an array of financial services, including crop insurance and leases. For more information about Farm Credit, call 1-800-444-FARM or visit them on the web at http://www.e-farmcredit.com.

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Credit Repair – Increase your Credit Scores in 75 Days – part Three

March 10th, 2012 admin


Learn how about the credit score problem facing so many Americans today, and what you can do about it! Did you know that 79% of credit reports contain inaccurate information? That’s 8 out of 10 reports! It may not be your fault, but the fault sloppy credit bureau reporting practices. Let us educate you on how you can protect your consumer credit rights!
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Why You Need To Check Your Credit Score Regularly

March 8th, 2012 admin


creditrepairnow.net You are more likely to notice problems and inconsistencies if you check your credit score on a regular basis. At the minimum, you should check it once a year; however, three times a year is ideal. Also ensure that you check your credit rating with each credit bureau: TransUnion, Equifax, & Experian. If you notice anything odd or anything you don’t recognize, such as a charge account you did not open, report it immediately. In addition, you may want to consider purchasing identity theft protection. Sometimes these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either ease, such mistakes can damage your credit report. Fixing these errors is crucial to improving your credit score. If you think you have been thc victim of identity theft, take these actions at once: 1) Contact the three major credit bureaus and ask to speak with the fraud department. Explain that you believe you have been the victim of identity theft and ask that an alert be placed on your file. This will let anyone looking at your report know that you may have been the victim of fraud. You will also be alerted any time someone looks at your file (lenders or criminals). If you have an alert on your report, and a lender is suspicious that the person applying for credit is not you, they will deny the request. If it was a criminal trying to access your credit score, or take out credit in your name, this will …


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PBS Frontline Secret History of the Credit Card

March 5th, 2012 admin


In “Secret History of the Credit Card,” FRONTLINE® and The New York Times join forces to investigate an industry few Americans fully understand. In this one-hour report, correspondent Lowell Bergman uncovers the techniques used by the industry to earn record profits and get consumers to take on more debt. “The almost magical convenience of plastic money is critical to our famously compulsive consumer economy,” Bergman says. “With more than 641 million credit cards in circulation and accounting for an estimated .5 trillion of consumer spending, the US economy has clearly gone plastic.” Millions of American families use their personal, general-purpose credit cards such as Visa, Mastercard, American Express and Discover to make ends meet; credit cards have been a discreet lifeline for families in financial straits. But other consumers, like actor and author Ben Stein, use plastic purely for convenience. While it would appear that Stein — who says he charges a small fortune every month on his credit cards — is the ideal customer, in reality, he is what some in the industry call a “deadbeat.” That’s because he pays his balance in full every month. The industry’s most profitable customers, the ones being sought by creative marketing tactics, are the “revolvers:” the estimated 115 million Americans who carry monthly credit card debt. Ed Yingling, incoming president of the American Bankers Association, tells FRONTLINE that revolvers are “the sweet spot” of the banking …


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Steve Malman Announces Most Successful Year

March 2nd, 2012 admin


Steve Malman Announces Most Successful Year

Malman Law

Chicago, Illinois (PRWEB) January 15, 2012

Things are looking up at the Law Offices of Steve Malman & Associates PC, in every possible way.

The Chicago-based firm’s 17th year proved to be its most successful, according to founding partner Steve Malman, who today announced that his personal injury-focused firm not only expanded its professional staff in 2011 – adding four new attorneys, several paralegals and other administrative staffers – but set new records in the number of new cases taken and cases successfully resolved, and in the total valuation of recovered settlements.

“This was a banner year,” Steve Malman saying. “By taking on and winning more cases than ever in our history, Steve Malman Law was able to deliver some impressive settlements and, more importantly, some justice and peace of mind for our many clients.”

The founding partner partially credited Malman Law’s success to a strong advertising campaign and an unprecedented level of word-of-mouth referrals. His firm is “probably the second-largest television advertiser in Chicago, and probably the largest Internet advertiser,” he aforesaid, while “a good third of our business is referrals from existing clients, and I can’t think of a better endorsement.”

But the No. 1 reason for Steve Malman Law’s big year (and all those personal referrals) is the firm’s total dedication to customer service, he added.

“We have great customer service that makes it as easy as possible for our clients,” Steve Malman said. “For instance, we’ll go out to see clients so they don’t have to come to us. And we’ll always put their needs first and address their concerns as best we can. This is an unbelievably dedicated staff, including the recent hires and those who’ve been with me for years, and they really do care about every client’s wellbeing.”

It’s no surprise that Steve Malman enjoyed such a successful year. The firm is rated A-plus by the Better Business Bureau, which accredited Malman Law in September 2011, and is a member of the Top Trial Lawyers of America’s Million Dollar Advocates Forum. It has successfully resolved over 8,000 cases since 1994, including numerous seven-figure settlements.

The firm divides its time and energy into three basic areas: A third of its resources is dedicated to cases of neglect and abuse in nursing homes; a third is focused on worker’s compensation claims; and a third concentrates on automobile accidents, dog bites and every personal injury claim in between.

While the firm has achieved much success going after neglectful nursing homes, Steve Malman cited a large uptick in worker’s compensation claims – a side effect of the Great Recession – as one of the biggest factors in Malman Law’s triumphant year.

“Our worker’s compensation efforts have gone very well,” the attorney said. “Ironically, that’s because of the high come of layoffs due to the recession. People become more inclined to pursue worker’s compensation claims when they lose their jobs – they file claims they were previously afraid to file, because it might cost them those jobs. Since the statute of limitations is three years from the date of the accident, after people lose their jobs, they pursue a lot of older cases … and we’ve been able to win several of them on behalf of clients who really deserved it.”

The new staff Malman Law recruited in 2011 has been busy. This year, the firm created several focus teams to address specific legal needs, including a Nursing Home Team – an elite squad of attorneys and administrative staff concentrating on cases of abuse and neglect inside Chicago-area elder-care facilities – and the 24/7 Rapid Response Team, widely admitted as Chicago’s foremost 24-hour hotline staffed by licensed attorneys.

The firm also now boasts several uniquely qualified staffers, including a former physician (and law school graduate) who provides expert medical reviews and a former defense attorney who previously represented nurse homes, giving Malman Law a tactical advantage against poorly run care facilities that try to bend regulations to cover their liabilities. The Law Offices of Steve Malman & Associates PC also physically expanded in 2011, taking an additional 1,500 square feet inside its West Randolph Street location to accommodate the new hires.

Already planning further staff additions, including “at least” two new attorneys and several paralegals, the firm’s flopped is anticipating another big year in 2012.

“We’re very pleased to be able to bring these considerable resources to bear on each and every case,” Steve Malman said. “The personal glory, the high-water marks for cases and settlements, all of that is very nice, but in the end, it’s about proving the best legal services and customer services we can.

“That’s why we had such a strong year, and why we’ll continue to perform well in the future,” he added. “Our success is all about our clients’ success.”

About Steve Malman
A graduate of the University of Iowa and the School of Law at Loyola University-Chicago, attorney Steve Malman has been practicing law for 20 years. Since the Law Offices of Steve Malman & Associates PC launched in 1994, it has successfully resolved over 8,000 cases – primarily in the areas of workers’ compensation and personal injury – and achieved a 95-percent out-of-court settlement rate, including numerous seven-digit personal injury verdicts. Steve Malman Law is one the most successful firms serving Illinois’ Lake, Dupage, Will and Cook counties.

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