Posts Tagged ‘cost’
July 29, 2014 | 
Author Nonprofit Debt Management Credit Counseling Providing Low Cost Student Loan Help
Lighthouse Point, FL (PRWEB) July 24, 2014
Debt Management Credit Counseling Corp. http://www.dmcconline.org, a nonprofit credit counseling organization (DMCC), announced today that it is providing free and low cost services to help federal student loan borrowers identify and implement affordable repayment options. The U.S. Department of Education offers various repayment options to borrowers who are struggling to repay their student loans. The options available, and the corresponding repayment terms, depend on many economic factors. DMCC provides borrowers free counseling and education to help identify the options that may be available to them. Low cost services may be requested to help borrowers implement their best option.
DMCC’s online calculator, which estimates the monthly payments under various federal repayment options, is the first step for borrowers seeking assistance. Using the calculator, borrowers can easily identify the option that may be best fit their budget. Taking a few minutes to fix what can become a 25 year problem is especially important to those borrowers whose student loans are in default. DMCC also provides links to information about each option’s requirements, costs and consequences. “One of the biggest obstacles that borrowers face is knowing where to start”, said Phil Heinemann, DMCC Executive Director. “Loan servicers do not always volunteer information about all the options available and more importantly, which one is best for you. The federal student loan websites and the options presented can be overwhelming. Our goal is to educate borrowers on their repayment options and help them implement the one that is in their best interest.”
DMCC cautions borrowers who are looking for help with their student loans to avoid debt relief companies charging high fees for such services. The repayment plans available for federal student loans are available at no charge through the U.S. Department of Education. However, the complexity surrounding the process, and consumer reluctance to speak with lenders, causes many borrowers to seek help from aggressively marketed debt relief companies that often charge excessive fees for their services.
DMCC provides its student loan services along with free personal budget counseling and general financial literacy education. Debt management plans to assist consumers with the repayment of credit card accounts are also available. Lower credit card payments obtainable through debt management plans, combined with budgeting, is an option that may provide sufficient relief for student loan borrowers to enable them to balance all of their monthly payments.
Borrowers looking for information about their student loan repayment options should go to the DMCC Student Loan Center or call 866-204-0520, Monday through Thursday 9:00am to 6:00pm ET or Friday 9:00am to 3:00pm ET.
About Debt Management Credit Counseling Corp.
DMCC is a 501c3 nonprofit organization committed to educating consumers on financial issues and providing personal assistance to consumers overextended with debt. Education is provided free of charge to consumers via seminars, workshops, a proprietary financial literacy program, and a vast array of online and printed materials. Personal counseling is provided to consumers to identify the best options for the repayment of their debt at no charge. DMCC is a U.S. Department of Housing and Urban Development Approved Housing Counseling Agency, is approved by the U.S. Department of Justice to provide bankruptcy counseling and education, and has an A+ rating with the Better Business Bureau.
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Posted in Debt | 
Tags: cost, Counseling, Credit, Debt, Help, Loan, Management, Nonprofit, Providing, Student | 
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RSMeans Releases 2013 Editions of Top-Selling Cost Data Books and CDs
Norcross, GA (PRWEB) November 29, 2012
RSMeans, the leading supplier of construction cost information in North America and a division of Reed Construction Data, announces the release of the annual 2013 RSMeans Cost Data publications.
With more than 20 cost data titles, RSMeans provides the comprehensive, up-to-date cost data construction professionals need to build accurate, competitive cost estimates for commercial and residential new construction and renovation projects.
“The 2013 RSMeans Cost Data publications give our customers the latest industry pricing, as well as thousands of costs for green materials and equipment,” said Andrea Sillah, Senior Product Manager, RSMeans. “Our customers rely upon the accuracy of our data to provide information necessary for complete, accurate cost estimates, which can be localized to any specific geographic region in the U.S. and Canada.”
Just released RSMeans titles include:
RSMeans Building Construction Cost Data 2013: Celebrating 71 years, this popular RSMeans title features more than 24,000 updated unit costs for building components, with new information for moldings, entrance doors and sustainable construction costs, such as LED fixtures, electric vehicle charging stations and much more.
RSMeans Square Foot Costs 2013: With updated square foot costs for more than 100 building types, including two new models for 2013, this RSMeans title offers cost information for more than 6,000 building variations and modifications, plus 6,500 in-place components. New for 2013: a complete sample assemblies estimate in print and electronic format
RSMeans Assemblies Cost Data 2013: This helpful guide provides thousands of unit prices not found in other RSMeans’ titles – with building components that make it easy to develop accurate assembly-level cost estimates, verify unit price estimates, and update reference information and cost-planning guidelines
RSMeans Facilities Construction Cost Data 2013: Designed specifically for professionals responsible for commercial, industrial, municipal and institutional properties, this useful guide has over 40,000 unit price line items that give instant access to costs associated with facilities construction and renovation
Green Building Cost Data 2013: In its third edition, this popular title focuses on green building products, such as high-efficiency systems, wind power, photovoltaic panels, green roofing, high performance glass and more, to help estimate, plan and budget the costs of green construction
Additional 2013 RSMeans titles include Electrical Cost Data, Mechanical Cost Data, Plumbing Cost Data, Commercial Renovation Cost Data, Light Commercial Cost Data, Interior Cost Data and many more titles geared to the specific needs of construction industry professionals. As a bonus, 2013 books come with an online, fully-customizable sample costs estimate.
RSMeans is offering special year-end discounts in the month of December. To learn more about 2013 RSMeans Cost Data titles or make a purchase online, visit http://www.rsmeans.com.
About RSMeans
A division of Reed Construction Data, RSMeans is North America’s leading source of construction cost information. RSMeans offers dependable cost data that is locally relevant, accurate and up-to-date. Available in convenient book, CD and online formats, RSMeans tools give owners, developers, architects, engineers and contractors the information they need to build competitive cost estimates and control construction costs. To learn more, visit http://www.rsmeans.com.
About Reed Construction Data
Reed Construction Data, a division of Reed Business Information and part of the Reed Elsevier Group, is a leading North American provider of construction information. Reed Construction Data’s diverse portfolio of innovative products and services includes national, regional and local construction data, building product information, construction cost data, advertising channels and market intelligence solutions to construction industry professionals in the U.S. and Canada. To learn more, visit http://www.reedconstructiondata.com.
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Posted in Industries & Professions | Tags: 2013, Books, cost, Data, Editions, Releases, RSMeans, TopSelling | 7 Comments »
Cost Cuts and Declining Revenues Signal Lack of Future Economic Growth, According to Investment Contrarians Expert
New York, NY (PRWEB) October 10, 2012
In a recent Investment Contrarians article, financial expert George Leong notes that revenues going forward, especially organic growth rates, will be extremely important for a healthy economy. Leong states that revenues need to grow to drive earnings; but businesses are cutting costs to drive earnings instead, signaling a lack of economic growth for the near future.
“Based on the current estimates, earnings for the S&P 500 are estimated to fall 2.6% in the third quarter, which would end the 11 straight months of earnings growth,” states Leong, citing FactSet (http://www.FactSet.com). “So far for the third quarter, 82 S&P 500 companies have issued negative earnings-per-share (EPS) guidance versus only 21 companies reporting positive guidance.”
According to Leong, Alcoa, one of the world’s top aluminum makers, is a good indicator for the global economy, as the metal is used in many industrial applications.
“In the second-quarter earnings season, Alcoa beat slightly on earnings, but revenues are an issue, as will likely be the situation for many U.S. companies,” reports Leong. He also notes that the company’s revenues are estimated to fall 12.7% in the third-quarter earnings season, followed by a 5.0% decline in the fourth-quarter earnings season.
“This is not what you would expect if the economy was healthy,” says Leong, noting that while there is some hope and optimism for the third-quarter earnings season, he expects disappointment across the board.
As in the past quarters, the key question, in Leong’s view, is whether companies are growing their revenues to drive earnings, or is earnings growth being generated by cost cuts. This is critical, and could give a good indication of how well corporate America is actually doing.
“The reality is that many companies cut costs during hard times, and they should be in a better condition now. If the economy was truly healthy, [the market] would see earnings growth driven by revenues,” Leong concludes.
To see the full article and to get a real contrarian perspective on investing and the economy, visit Investment Contrarians at http://www.investmentcontrarians.com.
Investment Contrarians is a daily financial e-letter dedicated to helping investors make money by going against the “herd mentality.”
The editors of Investment Contrarians believe the stock market and the economy have been propped up since 2009 by artificially low interest rates, never-ending government borrowing and an unprecedented expansion of our money supply. The “official” unemployment numbers do not reflect people who have given up looking for work and are thus skewed. They believe the “official” inflation numbers are also not reflective of today’s reality of rising prices.
After a 25- to 30-year down cycle in interest rates, the Investment Contrarians editors expect rapid inflation caused by huge government debt and money printing will eventually start us on a new cycle of rising interest rates.
Investment Contrarians provides unbiased research. They are independent analysts who love to research and comment on the economy and investing. The e-newsletter’s parent company, Lombardi Publishing Corporation, has been in business since 1986. Combined, their economists and analysts have over 100 years of investment experience.
Find out where Investment Contrarians editors see the risks and opportunities for investors in 2012 at http://www.investmentcontrarians.com.
George Leong, B. Comm., one of the lead editorial contributors at Investment Contrarians, has just released, “A Problem 23 Times Bigger Than Greece,” a breakthrough video where George details the risk of an economy set to implode that is 23 times bigger than Greece’s economy! To see the video, visit http://www.investmentcontrarians.com/press.
©Copyright 1997-
, 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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Posted in Debt | Tags: According, Contrarians, cost, Cuts, Declining, Economic, Expert, Future, Growth, Investment, Lack, Revenues, Signal | 8 Comments »
Article by Andrew G Taylor
General Contractor: Offering To Construct Your Building In More Successive And Cost Effective Way
Accommodation is a very special need for all the people in the world. Most of the people try to build their houses in a beautiful manner. On the other hand, people also try to make any building in a proper way that will help them to reduce cost and make the perfectly. To do this, there are many organizations are available who offers to take the responsibilities of and they are also interested to perform to more perfect way with less cost. Basically these organizations perform these tasks by contractors.
contractors usually offer you to take all the responsibilities to make your by most perfect way. On the other hand they also offer to finish all the tasks of the in the stoutest possible of time. Here you can be free from all the hassles of constructing your building by leaving all the responsibilities to the general . General are the professional who are responsible to provide all the facilities to you to make the of your building more suitable way. Sometimes the general offer you the design of your building. But you can also make the main plan of your building form the other suitable way too. The task of contractors is to build your house in most efficient way.
Most of the time, it is seen that man people try to build their home by not taking the help of any consultancy firm. In this case they can also construct their building well but not very efficient way. As all the people are not expert to construct the building they often face trouble during constructing the building. On the other hand, general reserve the experience and knowledge to solve the problems during construction. So, they can use different technologies and tips to make the constructions by the most successful manner.
contractors are not only responsible to make any construction in a faster way; they are also responsible to make the in the cheapest way too. On the other hand, general offer different more strong way too. If we take the responsibilities of all the parts of constructions by ourselves we can construct the building or there constructions successfully, but we can not ensure that they the have done in proper way which can be guaranteed. So, it is better decision to let the contractors to construct your building.
About the Author
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Posted in General | Tags: Building, Construct, Contractor, cost, effective, General, More, Offering, Successive | 3 Comments »
Article by Acroseas
Are you one of those who are nonetheless performing medical transcription in home??
Nicely, in that case it would be advisable that you outsource the medical transcription work as a lot of tedious operate would be reduced for you, and you would be able to concentrate far more on your patients.
As a lot of times due to the fact of the transcription function becoming carried out in residence, the typical wait time of each and every patient increases. Patients will constantly like to be treated quickly and obtain all the required attention from the doctors. Outsourcing makes it significantly less complicated for the physicians and the patients, also turn up to be much more satisfied.
Outsourcing makes several items far more convenient for the doctor and patients as well.
Medical Transcription Outsourcing also proves to be really cost effective to the doctors, physicians, clinics and hospitals, as they don’t have to invest on the labor and other expenditures.
Due to the technological advancements the expense on warehouse is also reduced as doctors have an access to the medical transcribed reports on-line which is far more convenient and fast to access.
Medical Transcription Outsourcing also assists to decrease time and effort in sustaining the staff, and other concerns connected to the staff. The medical transcription really has a excellent team, exactly where all are really specialists and have a very good knowledge in transcribing the reports. Patient’s confidentiality is also given significance and is taken good care by the transcription firm.
Medical Transcription Outsourcing is primarily outsourced in establishing countries like India as India is 1 of the countries that have a massive population, which is very efficient and fluent in the English language. Moreover medical transcription operate when outsourced to India it is considerably far more price efficient for the developed countries.
Medical transcription operate when outsourced also helps to decrease cost on different other things that the physicians or hospitals would have to pay. So to be price effective it is advisable that you go ahead and look for a excellent transcription partner.
The transcription partner would be a great support and support for numerous medical transcription firms along with transcription operate can also aid you with medical coding and medical billing, so a lot of work pressure can be decreased, by merely getting a nice transcription partner.
About the Author
Acroseas is a international provider of Transcription services & has been delivering best-of-the-line transcriptions services to our customers worldwide. For far more information – please log onto http://acroseas.com
Posted in Outsourcing | Tags: cost, effective, Medical, More, OutsourcingOutsourcing, transcription | 4 Comments »