Writing An Effective Hardship Letter To Avail Loan Modification

A hardship letter is the most important piece of document required to apply for loan modification. Its substance and validity will make or break an attempt for a loan workout. This is a letter basically contains an explanation why there is a difficulty of settling mortgage amortization. It is only fitting to compose this letter carefully.

When writing a hardship letter, its important to remember to keep it short, concise but not arrogant. A one to two pages maximum letter is strongly advised. Take note that a lender does not have the luxury of time to read a novel-like hardship letter. This letter serves as outline of ones difficulty to pay for periodic amortization, so it should be direct.

Like any letter, begin with a proper salutation, use font type and size reasonably easier to read. Letter size or 8.5 by 11 inches will be the papers size; otherwise an A4 sized paper can be used.

Bear also in mind that there is a clear definition of the term “hardship” for availing loan modification. Such hardship should fall under listed by mortgage lenders. Such as bankruptcy of business, immediate relocation, or divorce from a spouse who is the co-borrower. There are still more to this, to be sure homeowners should check with their lender.

In the actual writing, the first sentence should tell why such letter is written. This may include the explanation that after all possible ways were exhausted theres still failure to meet with mortgage payments. Much of this should be in the first paragraph of the letter.

The second paragraph should describe the events that affected failure to make regular payments. This description should be done tastefully without being overly dramatic. Overly thought out explanation might appear deliberate and fake. Additional paragraph might be added to explain the intent for loan modification pursuant to financial difficulty.

It is also wise to give approximate, if not exact, duration of the hardship period. This will be the basis for the mortgage lenders to get a head start with its response for loan modification. The last paragraph should emphasize the desire to settle the loan, but asking for leeway, for the time being.

Then end the letter with parting words hoping for a loan modification, which will be favorable to both parties. It is also wise to mention about attachments to the hardship letter, which are proofs of financial difficulty claim.

The Benefits Of Small Business Search Engines

Plowing through endless piles of websites is something that most people do not want to do, especially when they have a specific product in mind. In order to eliminate some of the stress, individuals should use small business search engines. What are the benefits of using a site such as Feedster for your shopping needs?

It’s No Nonsense
Sometimes, when you are using other search engines, you wind up with a bunch of scams and phony websites shown on your page. Through small business search engines, the information presented takes you right to the source. No useless junk sits in your way, which allows you to find what you are looking for in no time.

A Brief Preview
Another issue that occurs is when you have no idea what specifically a website is about. By using small business search engines, you’ll see a little snippet under the link to the site. As a result, you, and other consumers, will have a sneak preview as to what the content of the website is about. Instead of clicking on ten different sites only to find out they do not meet your needs, you’ll be able to immediately choose the best site for you.

Connecting with the Seller
Major businesses and companies are often difficult entities with which to communicate. Fortunately, such search engines literally bring you right to the source. When you want to buy a product from a small business, you have the added benefit of receiving personalized attention. Maybe you see something on the site that you like but have an idea as to how it can be customized to suit your specific needs. You need not wonder for long. The sites presented to you on this search engine generally provide much ease for the customer to business communications.

It’s Simple
Fancy and flashy are words to which some people flock. However, when it comes to websites and search engines, most individuals want something that is easy to read and navigate. This search engine lays all of the results out in a simple format. Ads are not flying out in front of the user’s line of vision, and annoying pop-ups are not causing the website to become convoluted.

Essentially, small business search engines are an easy and helpful way for consumers to find the products that they need and to navigate the websites without any sort of difficulty.

Asia Pacific Ethyl Acetate Industry Outlook to 2015 – Market Size, Company Share, Price Trends, Cap

Summary

Companys report, Asia Pacific Ethyl Acetate Industry Outlook to 2015 – Market Size, Company Share, Price Trends, Capacity Forecasts of All Active and Planned Plants provides an in-depth coverage of Asia Pacific Ethyl Acetate industry. The research presents major market trends affecting Ethyl Acetate in the region. It provides capacity growth and presents installed capacity by key feedstock, process and technology. In addition, it presents market size, demand and production forecasts, end use demand forecasts, and company shares of major Ethyl Acetate producers in the region. The research also provides price trends and trade balance data. Supply and demand scenario for key countries within the region is also included in the report. Overall, the reports present a comprehensive analysis of the Ethyl Acetate in the region covering all the major parameters.

Scope

– Ethyl Acetate industry supply scenario in the region from 2000 to 2015 consisting of capacity growth, installed plant capacity by key feedstock, production process and technology – Supply and demand outlook in key countries in Asia Pacific from 2000 to 2015 – Information of all active and planned Ethyl Acetate plants in Asia Pacific with capacity forecasts to 2015 – Detailed information on all operating and planned projects covering details such as process, technology, key feedstock and operator and equity details – Ethyl Acetate industry market dynamics in Asia Pacific from 2000 to 2015 consisting of market size, demand and production outlook, demand by end use sector, and average prices – Key countries trade balance data from 2000 to 2015 including details on imports, exports, net exports and imports as percentage of demand – Comparison of supply demand scenario in Asia Pacific with other regions in the world – Company snapshots including company overview, business description and information on the current and upcoming Ethyl Acetate plants in Asia Pacific – Company shares of key competitors in Asia Pacific and across major countries in the region

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Top 7 Small Business Tax Tips

Here are seven ways for owners of small businesses to save money on their taxes.

1. Incorporate Yourself: If you`re still a proprietor or partner of a business, it`s time to incorporate yourself. Not only will you limit your liability, but you may enjoy lower tax rates on small business income and other tax advantages as well.

2. Be Home Based: If possible, continue (or switch to) being a home based business. Not only will you keep your overhead down, but you will be able to write-off (or deduct) the business use of your home.

3. Income Split: Pay reasonable wages to your spouse and children. In this way, you can legally divert income taxed at your higher rate to your family members that are in a lower tax bracket.

4. Rearrange Your Affairs For Maximum Tax Savings: Can you make some changes to turn your hobby into a moneymaking business? Can you use that extra room in your house as a home office for your business? Can you arrange to use your car more for business purposes? Can you arrange for more of your entertainment expenses to be business related?

5. Document Your Expenses Well: Do you document your expenses well so that they would survive a tax audit? Have you kept a mileage log so that you can prove the percentage business use you claim for your vehicle? Have you kept receipts for all your entertainment expenses and listed the business purpose on the back of each receipt?

6. Be Punctual: File all returns and pay all taxes due (income, payroll, sales, et cetera) on time. This way, you avoid expensive late filing (and payment) penalties and interest.

7. Develop a Tax Planning Mindset: Some people only worry about their taxes during tax season. However, you will save a fortune in taxes, legally, if you make tax planning your year-round concern. Do you make business and personal purchases, investments, and other expenditures with tax savings in mind?

Online Shopping In India Works In The Customers Favor

The internet has seen has seen an extravagant growth in the number of its users and it doesnt seem to be stopping any time soon. India has as many as 81 million people who use the internet and with these numbers it is no surprise that it ranks 4th in the world in terms of its internet users. With statistics of such magnitude, it is clearly evident that the revolution of internet in this country is in full swing. If the internet is enjoying such great numbers, obviously online shopping isnt far behind. In fact, we could say that online shopping in India is an inherent part of many peoples lives.

Of course, there are many reasons which are responsible for the increase of popularity of online shopping stores in India. They most certainly do offer a huge number of benefits as compared to personal shopping. In this article, we will see the highlights of all the reasons why online shopping in India is winning the race against shopping personally in stores and malls.

The first and main advantage is that you can without difficulty make purchases on the internet. There would be no need to spend time or money for travelling. There would be no need to walk a lot around the market and spend time looking for what you need to buy. On top of all this, you can avail a huge number of discounts and offers online. Most sites these days, to scrap competition, offer really cheap deals on every other product and services.

In case, you are not convinced of online shopping and security measures related to it, you could even get your hands on the directory of online shopping in India. That will help you to make sure that your details and transactions are safe and secure. Another advantage of online shopping is that you get detailed information on the range of services, products, delivery, price, offers and gifts and everything else you would need to know. And in addition to that, you can compare all these details of a product between different brands and companies which you probably wouldnt have been able to in a mall. Definitely not without getting tired.

In fact, the products and services you buy online would be cheaper than ones in a store because these websites save on costs such as management, administrative costs, production and taxes. And the best part is, you can shop at 10pm in the night or at 5 am in the morning. Because you will never see an online store.

Top 3 Email Archiving Strategies For Your Enterprise

Email archiving strategies are essentially of three different types: in-house email archiving, hosted email archiving and hybrid email archiving. In this article we will explore the strengths of each of these strategies.

a) In-house email archiving, as the name suggests, is doing the email archiving completely within the enterprise; the data center is hosted and managed by the enterprise itself. In-house email archiving helps keep information within the enterprise, and it also ensures that tailor-made email archiving elements can be achieved that suit the enterprises goals and objectives. Such an email strategy ensures that enterprises have complete control over their email as well as ensures that they can be in command of the finances kept aside for email archiving purposes.

b) Even as there are plenty of enterprises who promote in-house email archiving, there are a few problems too, such as increased archiving maintenance costs, hiring of extra resources, etc. Owing to these problems, many other enterprises opt for hosted email archiving. In the hosted email archiving system, an enterprises emails are sent to the service provider who is entrusted with the job of storing it and ensuring that it can be retrieved whenever the enterprise wishes to see it. Since it is a simple exchange of service and the price paid is for a service, it can be stopped if the enterprise is unhappy with it. Alternatively hosted email archiving works for smaller enterprises who do not have a full-fledged IT department, which means that all their IT and systems worries about email archiving will be handled by the outsourced email archiving partner.

c) Despite the numerous benefits of a hosted email archiving system, many enterprises feel that asking an outside partner to manage their confidential email records can be detrimental for their enterprise. Therefore many enterprises are disinclined to opt for an external service provider for their email archiving needs because they still want to have control over their confidential email information. Such enterprises often opt for hybrid email archiving strategies. Email archiving solutions such as hybrid email archiving quite simply combine both in-house and hosted email archiving strategies and merge the actual benefits of the two. A system is typically fixed at the enterprises worksite which manages all the capturing of email traffic and sends it as an encrypted code to the service provider to be stored for future use or retrieval by the enterprise.

Enterprises are typically looking for email archiving solutions and strategies that are within their budgets and are also capable of providing the best possible service for data retention and retrieval.

Small Business Owners Business Best Practices Ideas

Small businesses are often beaten out by larger competitors because the bigger business has better practices than the small ones do. The good news is that there are many of the business best practices that are used by big companies that can be translated for small businesses.

These business best practices are some of the best kept secrets and will in the long run make a business more successful. Here are a few ways you can use these business practices to fit your small business.

One: Borrowing ideas from other companies is one business practice you can use in your small business. This is known as best practice benchmarking and it can lead to vast improvements in your business structure if it is done the right way.

Most small businesses have a tighter budget than the big businesses do so the business practices that you learn can save money and can be even more beneficial to you than it would be for the big business. When you emulate another business and how they cut costs, you will be able to do the same thing they have done in a much shorter time period.

Two: You have to have a clear understanding of business methods if you are going to borrow their business practices. You need to do some heavy research and ask questions. This will help you figure out how others were able to get the job done to get them to their goals.

This is imperative if you are going to have success using these practices with your small business. One helpful way to find out the information you need is to send surveys to businesses that are successful in the business field you are looking at.

Three: Once you have studied the business best practices and you know how that business uses them, you will need to translate them to fit your small business. Before they will work for your business t want business practice you can use in your small business is borrowing ideas from other companies here may be some crucial modifications that need to be made.

Four: One business practice that is imperative to the success of any business of any size is to have good communication in your business. This means that you need to communicate on a regular basis with your employees.

You have to do this to make sure that everyone is on the same page business wise. Otherwise, you may find problems cropping up that you will have to deal with.

Emulating business best practices is fine but you want to make sure that you don’t steal their practices outright. Always do your research and use the business practices that you can modify to fit your small business. Don’t do anything to get your business in trouble in the future.

SOCIAL MEDIA MARKETING FOR SMALL BUSINESS

SOCIAL MEDIA MARKETING FOR SMALL BUSINESS

About 33 % of consumers are not connecting with brands on social networks, according to a new report by interactive marketing firm Razorfish. Razorfish surveyed 1,000 consumers who reported both social media and ecommerce activity with the goal to find out how social media influences their purchasing decisions. 80 % were members of at least one social network and 40 % were active in two. -Social media has quickly become one of the most talked-about topics in marketing. We didn’t want this report to just be more of the same, so instead we took a different, more scientific approach to evaluating this phenomena and measuring its effects,- said Shiv Singh, VP and Global Social Media Lead at Razorfish. -Today, a brand’s actions speak louder than its words and pushing out messages is no longer enough to excite and engage consumers.- The question is now: How about you the small businesses and your social media activities? More than brand companies, small and medium business should step into social media marketing to expand your message and spread the word to the potential client, to make him informed, to make him interested and to make him a paid customer. To bother your targeted audience with outbound advertising messages is not enough in today’s times. The user out there has established some kind of personal advertising filter. Moreover he wants to find valuable information when he decides that he needs them, not when you decide to send him message through email marketing, radio or TV commercials, or call him by phone and disturb his daily doing. You need to build your credibility to address your marketing message. You need to be personal and authentic and to avoid sounding like an advertisement. Behelpfuland bevaluableofferrelevant content. This is the way how you as a small business cangain customer loyalty. – BE THE FLAME NOT THE MOTH! – Read more great posts like this one, visit -Blog Ad Monkey-. Stay tuned and subscribe to my blog viaRSSto get more great posts like this one. Your comments and ideas are welcome!

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The Accounting And Finance Bsc Degree At The University Of Southampton

The Accounting and Finance BSc degree course is designed so that you will study the core concepts and methods of financial accounting and management accounting across all three years, supplemented by appropriate topics from the field of finance.

In year one and year two of this Accounting and Finance BSc, you will study a range of subjects that provide support for more advanced study in the final year.

You will be given a range of options to help you acquire the understanding of modern theories and empirical evidence relating to accounting.

The anticipated destination of Accounting and Finance BSc graduates is management roles in a wide range of private, public and third sector organisations (including social enterprises), particularly the most innovative students.

A small number of Accounting and Finance BSc students may form their own businesses on graduation, or within a few years of graduating.

However, the intent of the programme is not to encourage too-early business formation, but to develop wider enterprising competencies that will enable employability in a range of organisations.

Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.
Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.

The University of Southamptons Management School has an enviable record for producing high-calibre graduates who move quickly into good careers soon after finishing their studies.

The latest survey of Management School graduates showed that 89% were employed or undertaking further study six months after graduating.

Employers value the quality of our programmes and recognise the skills of our graduates. Many of our graduates go on to professional training and graduate management schemes, while others begin careers in management, accounting, finance or banking.

To discover more information about the Finance and Accounting degree course at the University of Southampton, simply visit the Management Schools website at www.southampton.ac.uk/management

Choosing a freight company

In the twenty first century, speed and safety in transporting cargo are key factors for businesses that depend daily on cargo services and this is made possible by a freight company. Freight companies are companies that specialize in forwarding of cargo or consignment from one location to another. These companies undertake the transport of goods like raw material from one end to the other end of world. They guarantee that the goods reach the destination on time; well packed and in the same condition as send by the shipper.

Such companies are divided into different sections, the international freight forwarders ship goods from one country to another country, while domestic or local freight forwarders ship goods within a country.

A freight company plays a very important role in an import/export business. In case of international freight the need for a reliable and qualified service provider is very crucial as there is high risk of error involved for the shipment has to cover a long distance. It is also essential to know the freight rate for a shipment since a lot of money can be exhausted on shipping charges. The price depends on the type of goods or cargo, mode of transportation whether aircraft, ship, train or truck, the distance to be covered and weight of the goods. Now days dimensional rate which take into account both volume and weight of the cargo is used by shipping company especially air carriers. But it is not advisable to choose a freight company just on the basis of freight rate offered as some expensive freight companies also provide better service and facility to its customers. These freight companies have more number of agents, carriers and cover more destinations.

Thus, the size of the freight company does not matter as long as the company has experience of shipping the type of goods that has to be delivered to the ultimate destination. In commercial shipping an experienced company having a proper set up for deliveries reduces the chances of the shipment being delayed due to avoidable error. Every business has complicated process so an established freight company will work along with the business to provide custom-made solution to the customers. More over the freight companies are very environmental and social friendly; their practices and policies can be easily transformed and streamlined according to their clients. A good freight company takes care of both logistics of the shipment and also of all customs brokering services.

So finding a right freight company can make a great difference to your business. One should always do a little research before hiring a freight company and such decisions should not be taken in a hurry. A freight company can make or break a business.

Great Benefits of Shopping at AliExpress

Are you fed up with leaving the house on weekends because you’d really rather stay in bed and try to sleep more? Do you hate standing in line and waiting for checkout? If your answer is -yes,- you should change your way of shopping. Let’s go to AliExpress to experience the benefits of online shopping. Below are four great benefits when shopping at AliExpress. 1. Abundant Products The first thing you’ll notice about AliExpress is the huge collection of products. You are sure to be overwhelmed by more than 5,900 different types of products. AliExpress offers you anything you need for you and your family from tiny candies, hats, and clothes to jewelry, computers, and automotive items. With clear categories, you can find the items you need easily. 2. High-Quality Products Product quality is the deciding factor in the life of a store. Visiting AliExpress, you don’t need to worry about the quality of any products. This store is a part of Alibaba Group, a famous family of Internet-based businesses. Founded in 1999, Alibaba Group has quickly gained success and reached Internet users in more than 240 countries and regions. Could Alibaba do that without guaranteeing high-quality products? 3. Cheap Prices At AliExpress, you have the opportunity to enjoy double-bargain prices. Not only can you enjoy very cheap prices, but you also get further savings thanks to constant, surprising discounts here. At AliExpress, it is not uncommont to get 60-70% off on purchases. For example, you can buy a flower butterfly necklace for $4.16 instead of $13.88 or a car recorder w/12MP HD for $47.95 instead of $119.88. Does this surprise you? If you are at AliExpress now, don’t forget to use an AliExpress Coupon to get bigger savings. Doesn’t that sound great? 4. Good Service Service is the key factor that decides if a store can win customers’ hearts or not. Understanding this, AliExpress tries to constantly improve their services. And AliExpress has achieved success. At AliExpress, you never feel annoyed because of waiting too long for checkout, or hustling in the midst of a press of people. Paying is easier than ever thanks to a link between AliExpress and a number of banks. Even with the smallest orders, you are sure to enjoy buyer protection and delivery with full tracking. AliExpress always tries to make it easy for anyone in the world to buy online. Can these benefits persuade you to visit AliExpress? There is nothing more persuasive than to experience it for yourself. What are you waiting for? Discover and enjoy great shopping at AliExpress right now!