Monthly Archives: April 2018

Sweepstakes Scams Are a Form of Financial Elder Abuse

Sweepstakes scams continue to rack up victims, despite warnings to the public. Often, senior citizens are the target of these types of scams. Thus, sweepstakes scams are a form of financial elder abuse. In a typical sweepstakes scam, a fraudster contacts an elderly victim and informs them that they have won lottery. The catch is that the elderly victim is then told that they must send in money in order to collect the sweepstakes prize. California financial elder abuse attorneys warn senior citizens not to fall victim to sweepstakes scams.

Recently, the Federal Trade Commission announced that it is putting an end to one large sweepstakes scam based in Ventura County. The defendant in the case owned three companies that allegedly mailed out more than 3.7 million letters to people in more than 156 countries. In this case, instead of asking for large sums of money from senior citizen victims, they asked for smaller sums of money. California financial elder abuse attorneys warn the public not to fall for sweepstakes scams no matter how much money the fraudsters ask for.

In this case, the senior citizen victims received personalized letters with official looking seals, stamps and bar codes. The seniors were told that they had won millions of dollars and could get the money by first sending in a small fee of $20-$30 within a limited period of time. According to the Federal Trade Commission, the scam has brought in more than $11 million dollars, mostly from senior citizens. California financial elder abuse attorneys say that senior citizens are often targeted for these kinds of mailings.

One of the letters that was mailed out as a part of this scam states that the victim has been chosen from a pool of 250,637 names. There is fine print on the back of the letter that states that consumers will actually only receive lists of sweepstakes they can enter instead of a cash prize. According to the Federal Trade Commission, the fine print does not clear the company of wrong doing because the claims are misleading and victims do not get what they are promised. Frequently, people do not see the fine print and send in the $20-$30 fee.

Sweepstakes scams such as this are widespread and one of the top five scams targeting consumers, according to the Federal Trade Commission. The fact that sweepstakes scams successfully target senior citizens makes them another form of financial elder abuse.

Evans Law Firm, Inc. handles elder abuse cases in California. If you think that you have witnessed or are the victim of elder abuse then, contact Evans Law Firm, Inc. at 41

How Bruce Kovner Started With Only $3,000 And Ended Up Making $11 Billion Trading Forex

Bruce Kovner was a NYC Taxi Cab Driver who didn’t have money to trade forex. So in 1977, he borrowed $3,000 on his credit card and started his journey trading forex and futures. He eventually made $11 Billion.

Many people don’t know his name. But he is a legend of forex trading who started with no money and ended up making a true fortune. This is a lesson to all those who procastinate and think that trading forex requires a lot of money. What this story shows is that anyone with determination can start trading forex with no money and end up making a fortune. Now, don’t take me wrong! This does not mean that you and me can repeat the success story of Bruce Kovner. What it means is that if we want we can also make a mini fortune something like a few million dollars in the next few years trading forex.

Forex is a huge market. Everyday something like $3 trillion get transacted in the global forex market. You too can take part in this global forex trading game and if you are really good at it claim your share.

How do you play a game? With determination and will power to win the game. This is exactly how you should also play the forex trading game.

Now, as shown by Bruce Kovner, you don’t need a lot of capital to play this game of currency trading. You can start with only a few hundred dollars and over time compound that small amount into a huge fortune.

However, what you need is the right methods and the right forex trading strategies. This requires determination, effort and learning on your part. But one thing is clear money is not important in starting forex trading.

What is more important is your mind, your discipline and your determination in winning the forex trading game. Trading is all about discipline and right strategies.

Let me give you another example of Richard Dennis. Richard Dennis is another trading legend famous for his Turtle Traders. Whatever, once upon a time, he was a small time trader. He started trading commodities with only $300. Guess, how much he made eventually in the next few years? He made $200 million plus. What these stories illustrate that all great traders had started small but they had the determination to succeed big. You too can follow in their footsteps. You don’t need money to trade forex, you only need determination and the right skills! Good Luck!

Doing Taxes Online Is Easy Pay Taxes Online, Save Time And Money!

Every year, when the tax time approaches nearer, most taxpayers get annoyed because of the complex process of paying taxes. And this is one of the reasons why many prefer getting it done by someone else on their behalf for avoiding the pain. As the technologies have advanced, more and more people are turning towards the internet and computers to make the task quicker and easier. Yes, you can prepare and file your income tax return on the internet more quickly and conveniently. So, why not doing taxes online for your benefits and become free from worries mentally that you have to pay your taxes in due time?

When you finally choose to do it online, the most common and convenient way to prepare your return is to do it with the help of software. You can buy software and install it in your computer before you start doing it on your own. It is one of the most common ways of preparing return file on the internet for years. You have another alternative for performing this task on your own. And the option is you can prepare your return, print it at your convenience and e-file it using your computer with internet connection. If you do not have complicated tax and you just have to do one, then it is the best option for you.

Whether your taxes are complex or simple, you can do it easily online and perhaps, the majority of the people have been gradually opting for this online method of filing their return. The IRS has started a program called FreeFile which put emphasis on the convenience, easiness and advantage of online filing method. This FreeFile program is offered by the IRS partnering with several reputed tax preparation companies facilitating the taxpayers with preparing, printing and e-filing federal income taxes for free of cost. It is the most preferred way by all for doing this task and getting refunds as little as ten days via direct deposit option.

When you begin doing your taxes on the internet, you do not have to worry about the process whether you have knowledge of it or not. You just require following some easy interview-type processes whereby you will need answering simple questions regarding your expenditure as well as you income. The online tax forms will be filled up the way you go on putting the right information asked by the program on the internet. Within just few minutes, you will be able to complete preparing your return file accurately!

How To Conduct A Market Research

The availability of the free market research tools has made it easier for the company owners collect the data which is needed to conduct the market research surveys to improve the business as well as to understand the business better. The method of market research analysis is known as a well organized method to know about the requirement, thought and the satisfaction of the buyers about any product or service. So, this process works as the main path to successfully manage any business.

With the results of research analysis, the companies can be aware of the process to market their products or services in the best way. The focus group discussion and questionnaire surveys play major roles in this type of survey. All of these things are easily available online and you can also download the survey templates directly from the market. These days, conducting the market survey has become easier than ever due to the In this article, I will discuss the way how the market research survey software system work. .

Learn what the clients wish for: Instead of only guessing what those clients are searching for, who are interested in your niche market, you will be able to survey the accurate demographics with the help of the market research survey online software program. Besides, it will also offer you a clear idea of how to plan the marketing campaign in the best way.

Easy to access: In case you are concerned about using the complex survey software which would take loads of time to learn, make it sure that the online survey software that you are choosing as an entrepreneur or an online business owner, is more convenient and user friendly. This thing adds the benefit that the business owners would be able to create some surveys quickly in order to poll several questions to the clients with instant feedbacks and results. It will also help the business owners to find the right answers.

Or you can also use this survey as the medium of market research that would allow you to tap the hidden trends within the targeted market. While you will get the survey results, you will be able to analyze all the information within the chart and table and this thing will help you to prepare reports for your company and for yourself to decide the best action in the forthcoming marketing campaign.

Marketing is not at all a guessing game: Your success as the online business entrepreneur is the thing that should be steadfast, secure and reliable. Moreover, you have to know The online survey software is so vital because it helps the companies to get direct feedbacks from their clients about their likes and dislikes and therefore it tailors the web appeal and advertising of the companies to acquire good revenue every year.

If you want to know some more information about this software system or if you want to buy it online, then contact with www.magicsurveytool.com.

Make Wise Investment Decision By Investing Money In Mutual Funds

In India, although a number of investment instruments are available which provide safe investment opportunities, Mutual fund is considered as one of the best instruments which help in capital appreciation and saving investors from gyrations of the market. For over the past few decades, stock market has shown tremendous growth and for accumulating substantial wealth, it is the need of the hour to include stock in the investment portfolio. By investing in mutual funds, one can actively accumulate huge capital within stipulated time period. Being regulated by SEBI, mutual fund is a company which pools money of numerous investors in various stocks, short and long term money market instruments, bonds and other securities.

An Overview about Mutual Funds

An investor can choose from plethora of mutual fund’s schemes depending upon his needs and requirements as different funds offer different benefits and even costs and expenses structure also varies from fund to fund. With the passage of time, the popularity of mutual funds has increased significantly. It is a fact that even small investors are able to invest in these financial instruments at a reasonable cost and for a longer period of time. Equity funds, fixed income funds, balanced funds are three types of categories in which mutual funds are divided.

On the behalf of the shareholders, mutual fund is professionally and efficiently managed by portfolio managers, who with their expertise knowledge diversify the money over various securities. For reaping the desired monetary benefits of the investments, it is necessary to avail the erudite services of portfolio managers. They keep a track of your investment requirements and give them desired shape by recommending investment alternative which is best suited for an individual.

Avail Advisory Services Online

By searching on the internet, one can find numerous websites that provides personal financial advisory services to an investor. By availing these services, even a novice investor can make wise decisions, depending upon individual investment’s requirements as these websites offer feasible suggestions backed by strong financial analysis. Business giant like network18 is an apt source through which an individual can acquire the investment advisory services or suggestions and fulfill his investment objectives. It is not wrong to say that there is no better alternative for minimizing risk and maximizing returns, then to invest in mutual funds. Therefore, multiply your money manifold by investing money in these instruments.

Berkeley CA Homes for Sale Market Comparison Report (December 2009 vs. December 2008)

We analyze several housing market indicators in order to present an in-depth breakdown of Berkeley Ca Homes for Sale Market comparing December 2008 to December 2009.

Summary of Key Points

Berkeley Ca Homes for Sale market suffered a decrease in home prices however that acted as an incentive for buyers leading to a significant increase in home sales

Median Sales Price (-8.23%), Median Days on Market (-26.86%), and Number of Units Sold (30.77%)

Big Picture: Out of 20 cities analyzed in the East Bay, Berkeley was one of 12 cities that saw a decrease in median home prices and Berkeley buyers used that to their advantage snapping up 30.77% more homes in Dec 09

Berkeley Ca Homes for Sale

The city of Berkeley experienced an 8.23% drop in median sales price from last year going down from $751,333 (Dec. 08) to $689,505 (Dec. 09). In the city of Berkeleys case, the decrease in median sales price spurred a dramatic reduction in median days on market and a comparable increase in number of units sold. Median days on market for a house in the city of Berkeley for December 08 was 43 days compared to 31 days in December 09 and number of units sold have increased from 39 units in Dec 08 to 51 units in Dec 09. It is apparent that the $60,000 drop in home prices caused a ripple in the Berkeley housing market. The drop in prices was enough to cut median days on market by 26.86% and alternatively drove up sales 30.77% by attracting home buyers with lower prices. A similar trend as Berkeley can be seen when analyzing home data for neighboring cities Walnut Creek and Castro Valley. Walnut Creek ca homes for sale saw their median prices slashed by almost 20% but like Berkeley, that in turn caused a drop in median days on market (23.08%) and an increase in number of units sold (5.26%). Same for Castro Valley ca homes for sale drop in median home prices (8.01%) however a decrease in median days on market (46.08%) coupled with an increase in the number of units sold (26.32%).

Marketing Management Process

Marketing Management is a business discipline which is focused on the practical application of marketing techniques and the management of a firms marketing resources and activities.

Marketing trend is the most of the business units make the production in the anticipation of demand. In these circumstances, if the insist dose not takes place according to the expectations in the fixed period, and then individual efforts are to be made for this. It is clear that the extent to which the sale is more to that extent the working capital cycle will also be speedy and the profitability of the unit also increases. In short, the power of the business unit and long life depend on the sales. In the same way the employment opportunity arises due to growth of the business.

The activity of entire useful services necessary for the business activities increases and as a result the economic development of the country also becomes possible. Thus, the sales activity has a special importance. In the developed countries about 50% and in developing countries about 20 to 40% of employed personals are engaged in marketing activity. So, it is necessary to put special weight age on the marketing management process.

2. Meaning of Marketing Management process: Marketing is not just an advertisement or a process of sales or distribution. Actually, the analysis of market opportunities and formation of marketing strategy are also included in marketing management process.

In a simple definition The process related with the formation of marketing strategy and implementation means marketing management process.

As said by Philip kilter, the marketing process consists of marketing opportunities, researching and selecting target markets designing marketing strategies, planning marketing programmes and organizing, implementing and controlling the market efforts.

Marketing Management process is a part of business activity related to the sale of profitable products in the targeted market. It includes the analysis of business opportunities, selection of targeted market, formation and effective implementation of the marketing strategy.

3 Stages of marketing management process:

Following stages are included in the marketing management process:

[1] Examine marketing opportunities.
[2] Searching and selecting target markets and audience.
[3] Formation of marketing strategy.
[4] Preparation of marketing programme
[5] Implementing and controlling the marketing efforts

Interesting Research on Websites – What You Didn’t Know

What You Need To Know About Reading Webimax Reviews

Today, in this age of high speed Internet, it has become incredibly difficult to imagine the existence and survival of a business without a website.Today there are numerous companies that can be hired and the online work can be outsourced to them.Choosing the right search engine optimization, or SEO service provider is the most important step as far as increasing your online presence is concerned.They have experts who are skilled people and are well trained in handling all types of online business works.It is considered to be an important venture for your online marketing strategy due to the fact that hiring an unethical company to handle the needs of your website can cause major problems and waste your advertising time, budget, and worst still can even ruin the image of your brand.

Today since there is a huge demand for these search engine optimization services the companies are increasing in number each day.People get sufficient information related to your business and its concerned services and this helps in magnetizing large number of individuals.Before seeking the services of a good company, it is always recommended to go through the Webimax reviews and these reviews help you in constructing a rough idea about how the company works.The SEO companies love to take up these challenges. They work according to the guidelines provided by Google.The web experts of a leading SEO agency employ a lot many innovative and relevant strategies to promote your brand image in the correct manner, as they have enough experience in winning the SERP race.You must read the Webimax reviews so that you will know the qualities of a good company.Professional experts or companies promote the websites of their clients and increase its visibility in search engine result pages.These web specialists can either make your break the image of your brand online, therefore you must choose a reputable search engine optimization company that is known to deliver superior ethical SEO services to its clients.You must ask them about their past work, Webimax reviews and testimonials that are written by their clients so that you can judge their experience and reputation in market.

Before you finalize a deal, don’t forget to confirm about the SEO services and its cost.A few basic SEO services include directory submission, article submission, press release, ranking maintenance, link exchange, forum posting, blog creation etc.With so many emerging companies nowadays, it is hard to distinguish the genuine ones from the fraud ones, so you should read Webimax reviews.Today always look for affordable SEO services and the genuine company that believes in offering best and reliable services through Webimax reviews.

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

Getting Down To Basics with Tips

Here’s How to Select the Right Teeth Whitening Kit for You

If you don’t know which among the teeth whitening kit to buy in the market to whiten your yellow teeth, then I strongly recommend that you read this article until the end as you are sure to get valuable information. The plethora of available products in the market can make you feel confused of which one to buy and you’re not able to choose the perfect item. If you want deal with this predicament, the following are tips that can be very useful in your situation.

Browsing the web is one of the simplest ways that you can do to find a good product. You can check out various sites over the internet with good resource and allows you to do comparison of different teeth whitening kits in the market. See to it that you don’t rush doing comparisons if you want to ensure that you’re making the right purchase.

And while you are browsing the web, there’s a high chance that you will find several stores online that offer deals for teeth whitening at a price you can’t resist. On the other hand, before you decide to buy one, the most important step you should remember is checking the store’s credibility and product being offered. It’s a bit the same to the need of checking the source of product and the marketer when you are buying from local store or straight from the dentist. Due to the reason that these stores are offering irresistible deals regarding home teeth whitening, fraud marketers can easily sell their products to interested customers online. To avoid such scenario, it will be smart that you search for certifications as well as approval from any authorized and known institutions to get a great kit.

Free trials is without a doubt an effective way to check the credibility of the product particularly when it comes to teeth whitening kit with LED light. Many stores on the internet do offer users the chance of checking their products before buying it. To do this, what you must do is sign in and inquire for free sample of their teeth whitening. There are instances that you have to shoulder the shipping fee.

It will be preferable if you’d take a part of your time in reading and reviewing product composition and consider the suggestion of your dentist. It’s a good submission because aside from being expensive, these professionals know which will work well for your oral health and teeth. With their assistance, you can be certain to get only the best whitening teeth kit.