Increasing Credit Scores: 4 Tips from American Financial Solutions

Seattle, WA (PRWEB) January 24, 2012

Credit scores are an integral part of the financial portfolio for Americans. The score wields power on everything from employment opportunities to auto insurance rates and deposits on cell phones to qualifying for a home. Below are four of the most common problems and solutions credit counselors with American Financial Solutions see when contacted by people trying to improve their credit score. Remember that while a score can drop in a relatively quick period of time, it takes longer to bring it back up. There is no quick fix for credit reports and credit scores.

[1}Pay down balances. Next to missing payments, the best way to damage a credit score is to use more than 30% of the credit limit. If someone is using a credit card like a debit card and charging all purchases (usually to earn reward points or miles), paying the balance down before a major purchase using credit is a must. The card should be paid down to 30% of the credit limit at least 30 days before making the loan application.

As a general rule, it is best to keep credit card charges to a level you can comfortably pay back, in full, each month. If the credit score on your credit report seems stuck in a rut, look at those balances. Work to get them to 30% of the available limit and you will probably see that score increase.

[2]Add positive information. Adding positive information to your credit report can also improve your credit score. The most efficient way to do this is to open a new credit card. The new account can be an unsecured card or a secured card (a credit card backed by your money). Remember when using this card, the 30% rule from above still applies.

Also note that this method does not work if you already have four or more credit cards and the act of applying for credit cards could bring your credit score down.

[3]Another way to potential increase your credit score is to monitor your credit report. According to a study of consumer credit reports conducted by the U.S. Public Research Interest Group (U.S.PIRG), ?Twenty-five percent (25%) of the credit reports surveyed contained serious errors that could result in the denial of credit, such as false delinquencies or accounts that did not belong to the consumer? When reviewing the credit report, look for anything you do not recognize or that appears incorrect. For a complete list of what to review use American Financial Solution?s Credit Report Checklist.

[4] Pay bills on time. Missing payments can bring down a credit score very quickly, but it takes time to recover from late payments. In general, a the score considers the last 24 months the most relevant in your payment history. If you got behind, get current and keep making those payments. If you do not have any bills that show on a credit report, continue to pay so nothing gets sent to collections and then reported to your credit report.

Managing credit reports and credit scores can be daunting. There are no quick fixes for problems with credit. It takes time, hard work, and dedication to overcome the credit obstacles. There are other options that may also help people bounce back from damaged credit. These include debt consolidation plans, debt management plans, credit counseling services and more. To learn about all of the options and get help organizing, contact a certified credit counselor today.

American Financial Solutions (AFS) is a non-profit 501(c)3 financial education and credit counseling agency that helps people find solutions for managing their money and changing their financial lives for the better. Since 1999, AFS has helped over 750,000 individuals across the United States through one-on-one counseling, financial education classes, or the use of debt management plans. AFS is a member of the National Foundation for Credit Counseling (NFCC) as well as the Association for Independent Consumer Credit Counseling Agencies (AICCCA). AFS is also accredited by the Council on Accreditation (COA) and has an A+ rating by the Better Business Bureau. For more information, please visit http://www.myfinancialgoals.org. Find us and like us on Facebook (facebook.com/AmericanFinancialSolutions) or follow us on Twitter (twitter.com/MoneyTips4You)

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White Paper from Unidesk Shows How to Cost-Justify Virtual Desktops, Make VDI the Easy Choice over Buying More PCs

Marlborough, Mass. (PRWEB) December 14, 2011

A free white paper from Unidesk Corporation available at http://www.unidesk.com/opex-white-paper shows how Virtual Desktop Infrastructure (VDI) projects can now be justified through real operational cost savings. Until recently, broad VDI adoption has been stalled by high capital costs and management complexity, despite the compelling security, mobility, and device flexibility advantages of centralizing desktops on data center servers. "Desktop OpEx Savings: the Key to Cost-Justifying VDI" explains how new desktop layering technology designed specifically for VDI changes the economics, and makes replacing more PCs with Citrix? XenDesktop?, VMware View? and other VDI brokering platforms an easy choice.

The white paper takes an in-depth look at the costs of Microsoft Windows? gold image management, application delivery, and desktop support within physical PC environments, typical VDI environments, and VDI environments managed by Unidesk? management software for VDI. The findings show that physical PCs are very expensive to manage on an annual basis, while typical VDI reduces operational costs, but not enough to offset the capital costs of additional infrastructure. Unidesk, however, gives VDI the clear cost advantage over buying new PCs.

Using per incident desktop support costs from industry analyst Gartner? and other standard metrics, the white paper shows how annual desktop OpEx for 500 desktops can be reduced from an estimated $ 187,940 in a physical PC environment to $ 118,400 in a typical VDI environment, to a low of just $ 22,880 in a Unidesk-managed VDI environment. The white paper findings are substantiated by customer profiles on the State of Ohio Department of Developmental Disabilities, the City of Kent, Wash., and Menlo College. Also included are the formulae used to derive the findings, so IT professionals can calculate their own savings based on their unique cost models and experiences.

"It?s well-known that physical PCs have a high TCO, but our customers continuously tell us they have trouble building the business case for VDI," said Tom Rose, Unidesk Chief Marketing Officer. "Through this white paper, IT professionals will learn how to calculate how much time they?re really spending on Patch Tuesday, application delivery, and desktop support. Then, they?ll see how to translate efficiency improvements in each of these areas into real cost savings that will make it much easier for them to cost-justify their VDI projects.?

With desktop layering technology, Unidesk-managed VDI eliminates the root causes of gold image proliferation, so IT administrators only have a single gold image of Microsoft Windows to patch and update on every ?Patch Tuesday,? regardless of how different their desktops are, or how many desktop pools they have. Packaging applications with Unidesk is markedly faster and simpler than virtualizing applications or using legacy electronic software distribution tools, making application delivery much more efficient. Finally, more desktop support calls can be remediated through end user self-service or Level 1 technical support in a Unidesk-managed VDI environment, eliminating escalations to costlier Level 2 and 3 IT staff resources.

To learn how to quantify the OpEx savings potential of Unidesk-managed VDI, download "Desktop OpEx Savings: the Key to Cost-Justifying VDI" at http://www.unidesk.com/opex-white-paper.

About Unidesk

Unidesk Corporation (http://www.unidesk.com) enables customers to centralize more desktops on data center servers and realize the full potential of Virtual Desktop Infrastructure (VDI). Unidesk? desktop management software for VDI is the easiest way to create, patch, personalize, and support VMware vSphere-hosted desktops and deliver applications for organizations with diverse user requirements. By using Unidesk?s patent-pending desktop layering technology with Citrix? XenDesktop?, VMware View? and other VDI access solutions, customers can expand VDI to more users, reduce desktop operations costs up to 30%, cut VDI storage costs up to 70%, and foster a more productive, agile workforce. Unidesk Corp. is a privately-held company with headquarters in Marlborough, Mass, USA

Unidesk? is a registered trademark of Unidesk Corporation. All other trademarks and registered trademarks are property of their respective owners.

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RedBumper Introduces Consumer SmartApp; Enables Auto Dealers to Buy Inventory Directly from Consumers While Monitoring Real-Time 'Price Comparison' Scan Activity

Dallas, TX (PRWEB) January 24, 2012

RedBumper (http://redbumper.com/), a new breed automotive inventory management company, today announced that it will unveil its SmartApp at the 2012 NADA & ATD Convention and Expo in Las Vegas, NV, February 3-6. SmartApp is the first mobile App on the market to include built in VIN and QR scanners for use by consumers. RedBumper builds these apps for its auto dealers allowing them to choose from many different template designs while seamlessly incorporating the dealer?s branding. The QR scanners allow the dealer to encourage and entice consumers to download his App in an endless variety of promotions, while the VIN scanner allows the dealer to virtually be connected in real-time to the consumer. This dynamic tool enables dealerships to be at the forefront when consumers are shopping for a vehicle or wanting to sell one they have.

The mobile SmartApp has many distinguishing features not available in any other app. First, it enables a customer to get an immediate cash offer for his vehicle from the dealer with a simple VIN scan and a click. These consumer bid requests are sent across the company?s mobile infrastructure allowing the dealer to interact and bid for the customer?s vehicle in a matter of minutes. Second, it gives the customer a used car ?Price Shopper?. A customer simply scans a vehicle he?s interested in and the App will display all the similar local listings allowing the customer to see the best price in the market. The app issues a price challenge from the sponsoring dealer challenging the best price found by the consumer.

According to recent studies, consumers visit an average of 6 dealerships when shopping for a vehicle. The majority will have a Smartphone in hand and SmartApp places the sponsoring dealership right alongside that car buyer on any competitor?s lot, at the exact time that consumer is in the market shopping for a vehicle.

?SmartApp allows the dealer to monitor his customer?s scan activity in real-time. For the first time a dealer can see where the customer has been shopping and what pricing he has seen prior to negotiations. There is nothing like SmartApp on the market today,? said RedBumper founder Bruce Thompson.

?Imagine being able to source inventory directly from thousands of App customers with the most efficient process in the industry. Being able to see the thousands of daily scans executed by consumers, with all competitive pricing information they have viewed. SmartApp gives our dealers a fantastic and unique ability to proactively beat their competition by providing the consumer with a powerful tool; becoming part of the customer?s shopping process. It has a built in dynamic push notification message center and all the bells and whistles you can dream of,? Thompson added.

Workshops will be held throughout the 2012 NADA convention to unveil the new App. To register for a workshop visit: http://redbumper.com/nada.aspx

RedBumper was founded by Bruce Thompson, former CEO and founder of American Auto Exchange (AAX). Thompson is credited for creating and pioneering the modern day inventory tools that are broadly used in dealerships across the United States.

When AAX was acquired by JM Family Solutions in 2005 it was the management tool of choice for 4 out of the top 5 largest dealer groups in the country. Thompson is once again introducing revolutionary tools to the industry with the launch of RedBumper, which offers tools and efficiencies that are far beyond anything available on the market today. The tools are in high demand; RedBumper is currently installing at the rate of 100 dealerships per month.

For more information about RedBumper call: 888-339-1116, visit http://www.RedBumper.com or sign up for a demonstration at NADA at: http://redbumper.com/nada.aspx

About RedBumper:

RedBumper is a new breed automotive inventory management company created by Bruce Thompson. Thompson is widely credited for pioneering modern day inventory management when he introduced new tools to the industry in 2001 with American Auto Exchange (AAX). RedBumper is a very powerful next generation system offered on a flexible Smartphone-centric platform, with tools that are both innovative and intuitive. Its objective is to streamline auto dealer workload by delivering a system that is simple to use and direct. The company aims to take a new approach, offering fresh and creative tools the industry has never seen while at the same time leveraging proven technology. RedBumper prides itself for delivering ground- breaking tools that give auto dealers a significant competitive edge by being first to market. Creating the most powerful suite of tools on a flex platform allows RedBumper the opportunity to reduce much of the cluster and redundancy prevalent in current market products. It enables auto dealers to turn inventories faster while realizing more profit, month after month.

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New Groundbreaking Research from Curtin University Proves the Anatomical Structures of Acupuncture Points

Brooklyn, NY (PRWEB) December 20, 2011

If you had walked into Garden Acupuncture's office last week and asked "What are acupuncture points?", you would have gotten an answer like this: "Acupuncture points are specific places on the body that lie on a line of energy (called a meridian). There are hundreds of these points on the body and they are the best places to access the body's own healing energy." Now acupuncturists all over the world can add a more scientific explanation.

The new ground breaking research done by Dr. Morry Silberstein of the Curtin University of Technology, discovered the physical structure of meridians and acupuncture points. Stereomicroscopic images show the meridians which are extremely thin nerves called C fibres and acupuncture points are the points where the C fibres branch. C fibres trasmit low-grade sensory information. Insertion of acupuncture needles into these branches disrupts this circuit and numbs our sensitivity to pain.

This is why acupuncture is so effective at relieving pain and has been doing so for thousands of years.

Garden Acupuncture is located in Park Slope Brooklyn, next to the Food Co-Op

790A Union St (between 6/7th Ave)

GardenAcu.com

646.234.3643

Specializing in fertility medicine and pain resolution using acupuncture, Chinese herbal therapy and nutritional counseling.

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Super DVD Creator The Easy Way Create DVD From Videos

Aliso Viejo, CA (PRWEB) July 17, 2009

Super DVD Creator lets you jumpstart your creativity and make a personalized disk (DVD, VCD or SVCD) from your videos. Whether you want to create DVD as a present for your friend or beloved, transfer an old video of a family get-together from VHS to digital form, or create a digital resume, Super DVD Creator is an excellent choice! It's easy, clean and makes precious memories last for many generations to come.

DVD creation is quick, easy and fun. Simply get guided by the wizard-style interface and create a disk in three steps. First you'll select the format (DVD, SVCD, VCD disk), then add video files, include a DVD menu with chapters and subtitles (*.srt) and click 'Start'. That's all! Super DVD Creator will take care of the rest. It'll burn the output to DVD in brilliant quality and much faster than any other DVD authoring software on the market.

The highest quality of viewing and listening experience is ensured by a choice of customizable video and audio controls. Another unique option in Super DVD Creator is Super Encode Engine, which is based on MMX-SSE & 3DNow! technology. It delivers an advanced and high speed converting method that lets users create a full 4.2 Gb DVD in 60 minutes!

Click here to download Super DVD Creator free.

Super DVD Creator's Key Features at a Glance:

Create DVD from Flv, MP4, 3GP, RM, WMV, ASF, AVI DivX Mpeg files with DVD Menu and Subtitle;
Convert and burn Flv, MP4, 3GP,RM, ASF, WMV AVI DivX Mpeg files to DVD (PAL / NTSC);
Supports more than 130 video and 80 audio media formats;
Burn Media file to video DVD Disc;
DVD Video Disk Burner Inside;
Build DVD in 60 minutes, depending on your system speeds;
Batch convert all movies direct to DVD;
Create DVD with DVD Chapter Menu and Subtitle just one click.

Please, explore Alldj.com to find out more information about Super DVD Creator. There you'll also find a free trial copy of the product, a package of codecs required to open some movie files, and ASPI layer, which is needed if your burner failed to work with Super DVD Creator.

Pricing and Availability

Super DVD Creator 9.8.10 runs under Microsoft Windows 95, 98, 2000, XP, Vista , Win7 and costs $ 29.90 (US) for a single-user license. Discounts for volume buyers are available. Licensed customers are entitled to free lifetime technical support by email and free lifetime upgrades. The software is backed up by 30-day money back guarantee. Additional information on Super DVD Creator, as well as its free evaluation copy is available from Super DVD Creator Download page.

About MasterSoft, Inc.

Founded in October 2002, MasterSoft, Inc. is a Westchester, California based technology company, developing audio and video software for Windows OS. The goal of the company is to empower its end users with the advanced multimedia technologies to enhance their DVD viewing and producing experience. Among the company's premier products, there is Super DVD Creator, Super DVD Player, Super DVD Video Editor, Alldj iPhone/iPod/PSP/iTurn/3GP/PDA Video Converter, Super Clone DVD, DVD To AVI Converter, and DVD To Mpeg Converter. For more information, please visit MasterSoft Online Store.

Click here visite: Super DVD Creator Product page

Click here Download Super DVD Creator

Visite MasterSoft Website

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New Apple iMac Now Available for Rent from CRE - Computer & AV Solutions (ComputerRentals.com)

Los Angeles, CA (PRWEB) September 19, 2007

Entertainment industry professionals, advertising execs, graphic designers, creative types and anyone who wants to try out the latest must-have release from Apple Inc., can now have the new iMac delivered to consumers when they need it, guaranteed. CRE - Computer & AV Solutions (http://www.ComputerRentals.com) has added the latest all-in-one iMac to its extensive inventory of Apple Macintosh rentals, including Mac Pro, Mac Book Pro, Xserve, Mac Book and Apple Cinema Displays.

With favorable reviews already pouring in, the new iMac epitomizes Apple Inc.'s vital ability to combine intuitive function with elegant design. The new iMac features the latest Intel Core 2 Duo processors, a new, ultra-thin aluminum Apple keyboard, built-in iSight? video camera for video conferencing and iLife? '08. Its stunning design is a glossy scratch-resistant glass screen edged in seamless professional-grade aluminum. ComputerRentals.com offers both the 20- and 24-inch widescreen displays among its iMac rentals. The sleek widescreen displays provide crisp images, ideal for movies, small video editing projects and graphic design work.

Said ComputerRentals.com President Cuyler Tremayne, "Our customers, whether large companies who need tech equipment for trade shows and conferences to small business and independent users who have occasional equipment needs, know they can count on us to bring them the latest, state-of-the-art products. We have an especially large following in the entertainment industry and creative fields so we feature a great range of Apple Macintosh rentals and our 24-hour support staff are experts in Mac products."

Each new iMac rental comes equipped with Apple's iLife '08, an easy-to-use suite of digital lifestyle applications, which has also been updated. Most notably, iLife '08 includes a new version of iPhoto? and revamped iMovie? integrated with the new .Mac Web Gallery for online photo and video sharing. Also on board with each new iMac rental is Mac OS? X version10.4.10 Tiger, including Safari?, Mail, iCal?, iChat AV, Front Row and Photo Booth.

A new iMac rental from ComputerRentals.com (http://www.computerrentals.com) features ATI's next generation of graphics with the ATI Radeon HD 2600 PRO with 256MB of GDDR3 memory and the ATI Radeon HD 2400 XT with 128MB of GDDR3 memory. The new iMac also includes high-performance connectivity options that allow quick and convenient transferring of digital photos, music and video. The iMac comes equipped with built-in Airport Extreme? 802.11n Wi-Fi networking, Gigabit Ethernet, a total of five SB 2.0 ports (including two on the new Apple Keyboard) and one FireWire 400? and one FireWire 800 port.

The new iMac adds to ComputerRentals.com's wide variety of Mac rentals, which also includes the 8-Core or Quad-Core Mac Pro, PowerMac G5 Quad, MacBook, MacBook Pro, 23" and 30" Apple Cinema Displays and the new Apple Intel Xserve rack mountable server.

About CRE-Computer & AV Solutions

Founded in 1980 in Los Angeles, CRE-Computer & AV Solutions is a nationwide leader of computer and laptop rentals, audiovisual rentals, plasma rentals and more for corporate and special events, spanning a variety of industries which include entertainment, gaming, advertising, technology and health care. Integral to the success of CRE-Computer & AV Solutions is fast, reliable cutting-edge technology and superior customer service. For more information, visit http://www.computerrentals.com.

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Simplify360 raises Series A investment from Kolkata Based IT Investor

Bangalore, Karnataka (PRWEB) January 25, 2012

InRev Systems Bangalore Pvt Ltd, a leading Bangalore based Technology Product Start-up, has announced the acceptance of investment from an IT focussed investor from Kolkata.

InRev owns Simplify360, one of the leading software tool in the Social Media Brand Monitoring and Analytics market in India. The software tool is used by several agencies and corporates houses in India, to name few of them are: Caf? Coffee Day, Starcom Mediavest Group, Beehive Communications, Impetus Research, Mast Kalandar, Narayana Netralaya and Spar Hypermarket.

Raj Mishra, who is based out of Delhi and has more than 18 years of experience in IT Sales with a rich experience in setting up a sales organization has joined the company?s Board of Directors following the investment.

This marks the first institutional investment for InRev Systems. The company has defined its roadmap for the Indian market till 2015, going ahead as per the plan of expansion InRev has plans to open sales offices in Delhi, Mumbai, Chennai, and Kolkata in India & put a fully functional Sales Organization by March 2012.

InRev Systems CEO Mr Bhupendra Khanal is taking the investment as a vehicle to achieve company?s goal. As per Mr Bhupendra, ?This is the beginning of a long journey for InRev. I see this investment as a means to reach the goal. Our goal is to build a World-class Tech Product Company in India, catering to the needs of the global customers across the globe.? He also adds, ?I am confident about my team & I am also quite positive about the growth plans we have in place?.

Excited about the investment CTO Rohit Gupta, InRev systems mentioned, ?Simplify360 is among the best tools in the Industry. The investment will help us add more market centric features in the software tool as per the product road map.? He also adds, ?The World will soon see KPIs and best practices defined for Enterprise Social Media by Simplify360. We are happy that we have the investors backing our plan.?

Raj Mishra talks about the relationship saying, ?InRev has one of the best Entrepreneurial Team in place, and is driven by excellence and quality. The team understands Social Media and is passionate about Technology and Analytics. It is a pleasure for me to join them.? He also adds, ?Both we and InRev Team, have firm believe in innovation, quality delivery and the India Story. Thus it was a natural fit for us to join forces.?

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