Quality ParkTM – Employee Record Jackets, 11 3/4 x 9 1/2, 11 Point Manila, 100/Box – Sold As 1 Box – Complete record of payroll, personnel, employment, accident and termination on outside.

Quality ParkTM – Employee Record Jackets, 11 3/4 x 9 1/2, 11 Point Manila, 100/Box – Sold As 1 Box – Complete record of payroll, personnel, employment, accident and termination on outside.

Quality ParkTM - Employee Record Jackets, 11 3/4 x 9 1/2, 11 Point Manila, 100/Box - Sold As 1 Box - Complete record of payroll, personnel, employment, accident and termination on outside.

  • Complete record of payroll, personnel, employment, accident and termination on outside.
  • Closed sides.
  • Full cut tab for employee’s name.
  • 11 pt. Manila.

Quality ParkTM – Employee Record Jackets, 11 3/4 x 9 1/2, 11 Point Manila, 100/Box
Complete record of payroll, personnel, employment, accident and termination on outside. Closed sides. Full cut tab for employee’s name. 11 pt. Manila stock. File Jackets/ Sleeves/Wallets Type: Employee Record Jacket; Material(s): 11 Pt. Manila Stock; Height: 9 1/2″.File Jackets/ Sleeves/Wallets Type: Employee Record JacketFile Jackets/ Sleeves/Wallets Type: Employee Record Jacket
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December CMI Falls Dramatically, Erases Recent Gains

Columbia, MD (PRWEB) December 30, 2013

Market-watchers looking for holiday cheer would be hard pressed to find any in the December Credit Managers Index (CMI), published by the National Association of Credit Management (NACM). The Combined Index fell dramatically from 57.1 to 55.6, erasing most of the gains made in the last few months and taking the CMI back to levels not seen since the middle of summer. Though the manufacturing index fell by a full point from 56.7 to 55.7, it was the service sectors two-point fall from 57.5 to 55.5 reflecting a slow response to Christmas and a slowdown in the housing sector that delivered the hardest blow.

The CMIs four favorable factors registered the biggest declines, as the gains made in the second half of the year seemed to evaporate. Overall, the favorable factor index fell from 61.3 to 59.3, driven by a sharp reduction in sales, which stumbled from 63.4 in November to 58.7 in December, marking the fifth lowest sales reading in the last 12 months. New credit applications dropped by two points from 59.2 to 57.2, a reading not seen since April, and dollar collections slipped a full point from 59.7 to 58.7. The smallest drop occurred in amount of credit extended, from 63.2 to 62.6, which could be the only silver lining in the favorable factor index. This suggests there might be an opportunity to recover in the coming months, said NACM Economist Chris Kuehl, PhD. It gives some faint hope that many companies are still interested in making credit available to the customers they trust.

December also saw a slowdown in the unfavorable factors, which contributed further to the overall decline in the combined index. The unfavorable factor index fell from 54.3 to 53.1, staying in the same range of numbers recorded in the last six months. Dollar amount beyond terms took a big dive in December, falling from 54.7 to 49.7 and into contraction territory. Accounts placed for collection slipped from 55 to 53.4 and disputes fell from 51.9 to 50.7. Dollar amount of customer deductions managed to stay in the same ballpark as November, falling from 52.4 to 51.5, and filings for bankruptcies remained at 59. The only factor that improved was rejections of credit applications, from 53.3 to 54.5, which supports the notion that credit is still available for companies in good standing, but decreases in accounts placed for collection and disputes both suggest that more and more companies are experiencing financial distress.

The sense is that most of the financial issues are of relatively recent origin and that would suggest that things could turn in either direction, Kuehl said. The situation could get more serious and some of the longer-term issues could emerge or this might be more of a curve in the road and just a delay in the response of the overall credit world and the economy.

Whats most alarming about the December CMI, however, has more to do with the CMI in general than it has to do with any one particular factor. The most concerning part of this months data is that the CMI is very often a predictor of what is to come in the near future given its ability to track the availability of credit, Kuehl said. This months reading could signal that the economy is due to slow down substantially in the first quarter of the year.

For a full breakdown of the manufacturing and service sectors, in addition to tables and graphs, view the complete CMI report for December 2013 online. CMI archives may also be viewed on NACMs website.


NACM, headquartered in Columbia, Maryland, supports more than 15,000 business credit and financial professionals worldwide with premier industry services, tools and information. NACM and its network of affiliated associations are the leading resource for credit and financial management information, education, products and services designed to improve the management of business credit and accounts receivable. NACMs collective voice has influenced federal legislative policy results concerning commercial business and trade credit to our nations policy makers for more than 100 years, and continues to play an active part in legislative issues pertaining to business credit and corporate bankruptcy. Its annual Credit Congress, held this year June 8-11 in Orlando, FL is the largest gathering of credit professionals in the world.

National Debt Relief Highlights Key Solutions for Settling Credit Card Debts

New York, NY (PRWEB) October 29, 2012

The average consumer reportedly has a total of 13 credit obligations with credit bureaus: nine of those are from credit cards and four are from installment loans. Whether its a department store charge card or a bank card, many consumers struggling with credit card bills are asking: Is debt settlement right for me? National Debt Relief gave a powerful answer to that question and recently offered up its customized debt settlement programs.

With tax bills and the price of gas and other commodities projected to increase in 2013amid stagnant wagesmaking monthly credit card payments is likely to become more difficult for the average consumer. National Debt Relief, a reputable debt settlement company, is staying true to its name by formulating smart and viable solutions for thousands of Americans who want to achieve freedom from debts. And it couldnt come at a better time with the holidays just right around the corner and credit card charging is likely to spike.

National Debt Relief recognizes that there can be no one-size fits all solution for every debt problem as each case will be different. Accordingly, the New York-based company creates tailor fit debt settlement programs for every client. National Debt Relief clarifies further, We can provide a proven solution based on your individual situation, including your ability to save money for settlement offers, your past payment history, and your financial hardship. Once we evaluate your individual circumstances, we will offer a credit consolidation program customized to your needs.

Clients of National Debt Relief not only have access to the expertise of debt consultants, but theyll also benefit from the wealth of connections the company has with various collection agencies and creditors. Through National Debt Reliefs working relationships with these crucial parties, clients could potentially see lowered payments and interest rates along with waived late penalty fees results which can only be negotiated by National Debt Reliefs experienced debt specialists.

National Debt Reliefs debt settlement program is specifically designed for borrowers with $ 7,500 in unsecured credit card debts (student loans and mortgages are unqualified) and those who have recently experienced financial hardship and are looking at the brink of filing bankruptcy. Adds National Debt Relief, When you reach the fiscal cliff, this is when bringing in a professional can save you from going over getting professional debt help is more likely to give you the desired outcomes – a lower credit card balance.

Aside from providing tailored debt settlement programs, National Debt Relief also aims to educate millions of Americans on managing their debts. This is best illustrated with a recent article on the companys website entitled: Is There A Best Way To Do Debt Consolidation?

In the article, National Debt Relief analyzes several forms of debt consolidation and provides a clear explanation of what consumers can expect from each option. From transferring credit card debts to debt consolidation loan, National Debt Relief gives the pros and cons of each alternative allowing site visitors to come up with better informed decisions on managing their credit card debts. The company does point out though that professional debt consolidation trumps all the other alternatives because it could slash interest rates and reduce outstanding balances faster and better.

National Debt Relief remarks, Our debt counselors have helped our customers save thousands of dollars and get out of debt in 24 to 48 months. Plus, you will be offered a payment plan you can afford or you dont have to accept it. If you need immediate help with your debts, call our toll-free number today. It could easily be your best way to do debt consolidation.

Find out more about credit card loan consolidation and debt settlement programs on NationalDebtRelief.com.

Foreclosure, delinquency rates down in October, CoreLogic reports

Foreclosure, delinquency rates down in October, CoreLogic reports
As of Oct. 31, 2013, 0.93 percent of all outstanding mortgages in the San Antonio/New Braunfels metro area were in some stage of the foreclosure process — down from the 1.11 percent of outstanding mortgages that were in foreclosure as of October 2012, …
Read more on San Antonio Business Journal (blog)

House Lawyer | What short-sale sellers can do to expedite process
The borrower can now submit one single package that includes all the information for all loss mitigation options, such as short sales, deeds in lieu of foreclosure and loan modifications. Changes to the process now allow borrowers to have their file …
Read more on Washington Post (blog)

Bay State man faces charges in loan modification scam
The indictment further alleges that the defendants targeted homeowners that were facing foreclosure, falsely telling them that the company would stop the foreclosure process and that homeowners could stop making mortgage payments while they waited for …
Read more on Boston Business Journal

When you get Social Security disability benefits : what you need to know (SuDoc HE 3.88:)

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New Year Will Not Bring Good Tidings for Consumers With Looming Debt Ceiling

(PRWEB) October 29, 2013

Recently 400,000 furloughed federal workers returned to work and a paycheck after Congress reached a temporary agreement that will keep the government running until January 15th. However, national nonprofit American Consumer Credit Counseling advises consumers to brace themselves for the looming financial threats that lie ahead should Congress not find a long-term solution to the debt crisis.

Standard & Poor estimated that the shutdown cost the economy approximately $ 24 billion, including $ 217 million per day in lost federal and contractor wages in the Washington, D.C. metro area alone. Small businesses also took a severe financial hit during the shutdown, suffering from frozen government contracts and stalled business loans. Another political standoff in the winter would send the unemployment rate skyrocketing, with businesses freezing hiring and enacting additional layoffs.

If Congress continues its stalemate and fails to act, Americans could be caught off guard by the default and experience a financial downturn that could range anywhere from higher interest rates on their credit card loans to a complete loss of income, stated Steve Trumble, President and CEO of American Consumer Credit Counseling. By preparing now, consumers can protect their financial future from the serious damage that a potential default could cause, especially during the holiday season.

While most Americans may have only been inconvenienced by the most recent shutdown, a potential default in January would raise interest rates on credit cards, increase adjustable rate mortgages, and severely decrease the worth of investments such as retirement funds and stocks. In addition, the value of the dollar would plummet, bringing costs of both essential and nonessential goods to an all-time high.

As consumers prepare for the financial burden that comes with the holiday season, Americans should be extra conscious of their budget and spending, keeping in mind that another furlough or financial crisis could strike at the start of the New Year, added Trumble.

Since the majority of families live paycheck to paycheck, ACCC offers five helpful tips on how to survive another shutdown and the looming debt ceiling without causing permanent damage to bank accounts or credit scores.