money transfer

Finalists announced in first mobile money transfer awards

Some of the biggest and most innovative names in mobile money transfer (MMT) are amongst the finalists for the first Mobile Money Awards at the industry's leading, annual event in Dubai, MMT Global, from 24 to 27 October.  Safaricom, Vodafone, Orange Money, Telenor & Tameer Bank and Western Union are just some of the leading companies that have been nominated in one of six categories for the awards.

MMT Awards
"We want to celebrate the success of mobile money and the impact that it is having on the lives of end users around the world," says Steven Clarke, MMT Global director.  "Following a vigorous review process of scores of entries, our team of judges, made up of industry experts, have selected the top four MMT programmes in each of our six categories."

1. Best MMT entrant of the year
Recognises an operator or financial institution that has launched a successful new MMT service in the past 12 months.
- Grameenphone’s m-ticketing programme for Bangladesh Railway
- Vodafone Money Transfer, Fiji
- Banglalink’s Mobile Wallet Service – Bangladesh
- Telenor & Tameer Bank – EasyPaisa

2. Achievement in financial inclusion
Recognises an MMT service provider who has made a real difference to the unbanked in their country of operation, bringing about tangible social and economic improvement. This award is open to operators, banks or microfinance institutions.
- Safaricom - M-PESA
- GCASH and RBAP
- EKO Financial Services
- Telenor & Tameer Bank – EasyPaisa

3. Best bank led MMT project
Recognises the best bank led customer-facing MMT model. The award will take into account subscription and adoption rates as well as the banks’ market entry strategy and how well the service has been received by customers.
- HSBC Brasil
- MCB Bank
- Yes Bank
- Permanent TSB

4. Best operator led MMT project
Recognises the best operator led MMT model. The award acknowledges subscription and usage rates, customer reach and ease of service for end users.
- Vodafone Money Transfer – Tanzania & South Africa
- Maxis Communications
- Orange Money
- Zoompass

5. Most inventive marketing campaign
Acknowledges the most innovative and appealing marketing campaign, whether they employ advertisements in the media, word of mouth, viral marketing or any other means, this award is all about how you got your target market to engage with your product!
- Safaricom – M-PESA
- Zoompass
- Oi Paggo
- Telenor & Tameer Bank – EasyPaisa

6. Best IMT programme
MMT is viewed as a fantastic vehicle for cross border remittances, yet few providers have successfully launched IMT services. Which to date have been the most successful in terms of product usability?
- Western Union
- GCASH
- aKos
- Banglalink

There will also be a special award acknowledging outstanding individual contribution to mobile money development.

Event website: www.mobile-money-transfer.com/global
Event dates and location: 24-27 Otober 2010, Intercontinental, Festival City, Dubai, UAE

Student Loan Debt Consolidation – Get Rid from all worries

 If you have several student loans to pay concurrently, it can be hard and financially difficult to manage. Luckily for students, there is the option to consolidate all your student loans together. We called it Student Loan Debt Consolidation.

What is student loan debt consolidation?

It simply means consolidating all your student loans into one so you only have to make monthly payments to one lender instead of several. The advantage is that you pay lower interest rates and most student loan debt consolidation has higher repayment periods.

There are many financial institutions and banks that offer private student loan consolidation. They will pay off your existing student loans to their respective lenders. They will then consolidate the loans into one. The interest rate of the new student loan debt consolidation is then calculated by taking the average of the interest rates of your previous student loans. That is why your student loan debt consolidation’s interest rate is lower.

Some student loan debt consolidations are payable at a fixed rate though so be sure to check with your lender first.

APPLY NOW - http://www.acreditconsultant.com/apply-now.php

Personal Debt Consolidation Loan

A personal debt consolidation loan is given to borrowers in lessening their cumbersome debts. By availing this loan, a borrower can consolidate his all unpaid loans into one and later the borrower needs to pay only on that single loan instead of various ones. With an instance, we can explain the method. Suppose a borrower has taken four loans from four creditors. Now, he has to deal with four creditors individually. With a personal debt consolidation loan, he can merge his four loans into one and his deal will be going on with one lender only.

Credit card bill consolidations

Credit card bill consolidations will get you out of mess when your dues with your account have piled up high because of your inability to pay them on time. Piling up begins as you start to pay for the minimum dues because you were already unable to pay more as there is no more money left from meeting all those monthly expenses.

As the interest rates continue to earn with your principal, it seems your dues even get higher. As a result, you continue to default until you realize you are already in difficulty keeping with the skyrocketing total amount from the credit card. If you keep many credit cards, and they all have the same status that is the time when bill consolidations will be considered your savior.

Online AES Student Loan Consolidation

Online AES Student Loan Consolidation

AES Student Loan Consolidation - These loans has been on offer from the American Education Service since 1964 and has grown from a PHEAA division to one of the largest AES student loan consolidation organizations in USA.

The AES student loan consolidation organization started back in 1964 as a division of the PHEAA, and with no more than 4500 students back in the sixties, the AES has grown to be one of the largest and most successful guaranting companies in America, offering AES student loan consolidation to all American citizens.

During the years, the AES has been following a two way strategy in order to ease the financial burden on students as well as to create a stable balance of student liability. The innovative thinking of the AES made it possible to develop a unique streamline financial system and deliverty system, giving students AES student loan consolidation loans.

AES student loan consolidation loans and resources are very useful, helpful and beneficial to all students, and should you be interested in AES student loan consolidation or AES student loans, kindly follow the link below :

http://www.aes-student-loan-consolidation.yolasite.com/

AES student loan consolidation loans are able to give students flexibility, better management of the loan, and finally, more convenience. These loans also offers several ways for students to repay their loans, some of which includes the direct debit method.

The AES also makes provision for defaulted people by now offering direct debit for defaulted borrowers. Simply apply online to have your AES student loan consolidation sorted out without any hassle.

consolidate student loans

Student Loan Consolidation Companies

Student Loan Consolidation Companies

Many graduates use student loan consolidation as a way to combine their loans into one loan.This loan is handled by one creditor. The creditor pays the multiple loans in full, leaving the student to pay for one new loan. Students no longer need to pay multiple student loans with separate billing cycles, dates or interest rates. Once the loan has been approved, graduate students have only one loan and one interest rate which is paid to one creditor. For more information, visit http://student-loans-consolidation1.com/compare-consolid ...

Be sure to do your research, before selecting your loan.First know the terms of agreement, monthly payments, and interest rates for each loan and creditor before looking for a loan consolidation company or program. When selecting a company or program, make it a point to compare them; know their terms of agreement, interest rates and obligations. After you have selected a program or company, send them the information that you have collected.

There are Private and Federal Student Loan Consolidations.Federal Student Loan allows a student to have all their Federal loans combined into one new loan.

The government provides several Federal programs, including:

·   The Federal Family Education Loan Program (FFEL). FFEL will soon be replaced by the Direct Loan program and Pell Grant and the Federal Direct Student Loan Program (FDLP). These programs enable students to have their loans from Stafford Loans, Federal Perkins Loans and PLUS Loans combined into one Federal loan. These are fixed-rate loans backed up by the U.S. Government; offered to parents and students.

·   The Federal Direct Student Loan Program (FDLP) was created by the U.S. Department of Education in effort to assist students and parents with their loans.

Private Loan Consolidation combines private student loans into a single new loan. Prior to considering private loan consolidation, apply for a federal loan, the reason for this is to better maximize federal loans that are available. Private companies such as Sallie Mae recommend it.

Below are several Federal Loans:·   Perkins Loans are funded by the government. They carry a very low interest rate but are need-based, a financial officer would determine if a student is eligible.

·   PLUS Loans are for parents of undergraduate students. There are in addition PLUS Loans for students as well. Payments on this plan will begin once this loan is approved. PLUS loans allow you to take up to 10 years for repayment. Commercial banks and online lenders offer PLUS Loans for both parents and students.

·   Stafford Loans offer a low interest rate. They do not raise their interest rates any higher. Stafford loans do not require a student to pay any interest whilstat school and are not required to pay the loan in the six months after graduation. It offers 10 years for repayment.

Here are a few private companies that offer Loan consolidation:

·   Loan Approval Direct offers interest rates as low as 3 percent. Reducing a student's monthly loan to as much as 60 percent.  

·   SLM Corporation or commonly named Sallie Mae. Sallie Mae offers a range of options depending on the type of discipline or what education program a student would have. Such programs include Federal Stafford Loan, Parent PLUS Loan, Graduate PLUS Loan, Sallie Mae Smart Option Student Loan, Continuing Education Loan and Career Training Loan.

·   Citibank provides programs such as CitiAssist Undergraduate and Graduate Loans, CitiAssist Health Professions; CitiAssist Residency, Relocation and Review Loans; and the CitiAssist Law and CitiAssist Bar Exam Loans. Students receive a 0.25% interest rate reduction in their auto-debit payment program. These programs take up to 20 to 25 years to repay.

·   EdFed is one more private company. By selecting one of their plans a student can lower their monthly payment by as much as 60 percent. They also provide interest-only payments. The fixed interest on EdFed is the weighted average of the interest rates of the loans a student consolidated, rounded to the nearest 1/8th percent. For more information, visit http://student-loans-consolidation1.com/compare-consolid ...

online car insurance

Vehicle sales trend follows car insurance online

 According to GForces, a British web management company for the automotive sector, as much as 20 percent of all UK car sales will be conducted online within the next five years.

It is predicted that the entire buying process could be replaced by an e-commerce procedure. Currently, the process involves buyers going to a dealership and test driving the desired car before signing on the dotted line. Visits to dealerships are expected to continue, as many people prefer to test drive the vehicle and speak face-to-face about the deal.

It would appear, however, that the Internet generation are less inclined to make this effort. Consumers are moving towards behaviour which includes reading online reviews from trusted sources, finding the best price, and then conducting a secure financial transaction over the Internet.

This trend has been boosted by the number of people who search for car insurance: www.pru.co.uk/insurance_protection/car_insurance/ policies online. Consumers are able to search and compare car insurance quotes quickly, easily and in their own time. The convenience of this capability has lead to demand for similar ease when it comes to purchasing products such as televisions, furniture, and eventually, cars.

Tim Smith, GForces' Commercial Director, explains that people are now more comfortable with purchasing large products online. Smith does not believe that this move signals an inevitable decline for traditional dealers. Traditional dealers will have time to create a strong online presence in the next few years.

"This is a fantastic opportunity for car dealers, rather than a looming disaster," Smith says in a release. "Many of our clients are meeting their customers' demands by moving more of the car sales functions online such as vehicle reviews, finance propositions and insurance quotations."

The ability to adapt to consumer trends is a vital aspect of both online and offline marketing. Car dealers who take time to put an effective web marketing strategy in place will be far better equipped to function successfully in the online marketplace of the future.

Wrongful Death Due to Anesthesia

Three years later, a jury returned a $20 million verdict in an anesthesia medical malpractice lawsuit. It was a preventable wrongful death.

The death of Paulett Pettaway Hall in 2006 was one that could have been prevented had the doctor and anesthesiologist paid attention to the patient’s medical records. “Unfortunately, the defendants in this case did not examine her abdomen for the cause of her severe stomach pains and did not read her medical records. The records clearly stated that Hall was a high risk patient, and was at peril for breathing fluids into her lungs,” indicated Daren Monroe, Litigation Funding Corporation, Southfield, Michigan.
 
Hall was having exploratory surgery done to find out what was causing her severe stomach pains. In order to have the surgery, she was given anesthesia. Once she was under, she began breathing bile into her lungs; an incident that later caused her death. “The wrongful death/anesthesia medical malpractice suit contended that the defendants didn’t refer to Hall’s medical records prior to giving her anesthetic,” explained Monroe.

The jury sitting this case found in favor of the plaintiff, Hall’s husband and family, who contended her death was preventable, but for the negligence of the doctors. The damages awarded were $20 million.

The shocking thing about this case and about the trial itself, is that anesthesia deaths clocked in at over 2,200 deaths between 1999 and 2005. These figures are courtesy of the medical journal,
Anesthesiology, which also reveals that anesthetic is the number one underlying cause in roughly 34 fatalities every year in the US. In addition to that, anesthesia is also the contributing culprit in close to 281 deaths. “The figures actually show that just over 46% of the deaths discussed here were due to an overdose of anesthesia, while complications, such as Hall’s, represented about 11% of the recorded deaths,” Monroe added.

Either way, this case is looked at, from the perspective of a wrongful death or the perspective of medical malpractice, as a case of unnecessary death. Hall’s family suffered the tremendous loss of a wife, mother, friend, aunt and sister. Their grief was compounded by having to also find ways to cope without her income, a significant a part of the family dynamic.

During the three years it took for this trial to come to a verdict, the Hall family had to carry on with their lives as best they could, struggling from paycheck to paycheck. Although, for all practical purposes, they were unable to barely make ends meet, this didn’t have to be the case. Lawsuit financing could likely have been secured with one quick phone call.

“Contacting a lawsuit financial company with a good reputation and qualifying for funding would have made the Hall family’s wait a lot easier.  Lawsuit funding removes the pressure to settle early and inexpensively and allows the attorney the time he/she needs to get the litigant the fairest possible result,” said Daren Monroe, Litigation Funding Corporation, Southfield, Michigan.

UGGs at Cloggs going from strength to strength

New York, October 29, 2010—FXCM has announced the winners of the King of the Micro Contest for September. Contest participants demonstrated the perseverance it takes to be King, as the market dictated a decline on the EUR from a five-month high versus the USD and against 15 of its 16 major counterparts concerning bank debt. The live currency trading competition engaged a diverse group of forex traders and the title winner was Zhondg Da Jian, who boasted nearly 2,860.58%* in profits and a prize of $25,000 for September.

Winners:
Standing   Prize   Name                                  Country     Percentage Growth*
1st                $25,000    Zhong Da Jian                  Canada      2,860.58%  
2nd               $10,000    Yong Ze Zhang                    China      1,309.64%
3rd                $5,000    Wessam Elhamy Allam    Egypt       565.18%


More about the Winners and their Strategies:
1st Place:

Zhondg Da Jian, boasted nearly 2,860.58% in profits* and a prize of $25,000 for September. Utilizing fundamental analysis and numerous technical indicators, Jian demonstrated his understanding of the financial markets as he traded GBP/USD, EUR/USD, AUD/USD, and EUR/JPY.  As the first place winner and an avid trader, Jian recommends others to “follow the rules, be disciplined, and concentrate on trading and always be ready to learn.” View Jian’s trading report and survey.

2nd Place:

Runner-up Yong Ze Zhang is a devoted trader with five years of trading experience. He leaned on financial information and currency market commentaries to stay on top of the market and take second place with 1,309.64%* in profits trading the AUD/USD.  Yong Ze Zhang recommends viewing weaknesses as an opportunity to learn and to keep trading even if a loss is experienced. View Zhang’s trading report and survey.

3rd place:
Finishing up in third place was Wessam Elhamy Allam, who opened his first real Micro account in September.  With seven-months of trading experience on a demo account, Allam attained a 565.18%* profit and he finds educational resources not only beneficial but necessary as trading tools. He recommends others to “find a way to deal with your losses and to handle a losing trade when you are still on a demo, as this is one of the most difficult parts of trading.” View Wessam’s trading report and survey.

What is the FXCM King of the Micro Contest?

King of the Micro is a currency trading contest hosted by FXCM, which gives away cash prizes every month: $25,000 for the trader with the highest trading return, $10,000 to second place, and $5,000 goes to third place.

In the past, winners have come from different trading levels, from people who are in the process of learning forex trading to trading experts. It’s free to enter and no registration is needed.

To be a part of the November King of the Micro contest you must be an FXCM Micro client with $500 in your account at the beginning of the month, and you’ll be automatically entered.

You must make ten trades during the month to remain eligible. To read the full contest rules, and to deposit money into your FXCM Micro account, view the King of the Micro Monthly Trading Contest Rules.

About FXCM Holdings LLC

FXCM Holdings LLC (FXCM) is a global online forex and CFD broker† that caters to both retail and institutional markets. Founded in 1999, FXCM is regulated by several of the world’s most respected financial authorities.
At the heart of FXCM’s client offering is No Dealing Desk forex trading. Clients have market access to FXCM’s large network of forex liquidity providers that enables FXCM to offer clients spreads as low as 1 pip on major crosses. Clients also have the benefits of mobile trading, one-click order execution, and trading from real-time charts. FXCM’s UK subsidiary, Forex Capital Markets Limited, offers  CFD products†  with  no re-quote trading and allows traders to trade oil, gold, silver, and stock indices, along with forex on one platform. In addition to currency and CFD trading,† FXCM offers educational courses on forex trading, and provides free news and research through DailyFX.com.

*Past performance is not indicative of future results.
† Please be advised that CFD accounts are not available to residents of the US or its territories.
Trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. Any opinions, analyses, or other information contained is provided as general market commentary, and does not constitute investment advice. Read full risk disclaimer.