Tag Archives: Credit

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Fundraising for Charities: American Consumer Credit Counseling Advises on How Often and How Much


Boston, MA (PRWEB) June 26, 2014

There is no doubt that Americans are charitable — last year alone, donations in the U.S. reached $ 416.5 billion, a 13 percent increase over the prior year. Americans aim to support causes that are close to them, whether for their child’s school or sports team or for research on a disease that has affected a family member or friend. And in an effort to fundraise, individuals often find their charitable efforts are outpacing their circle of friends and family, leaving them to wonder – how often is too often and how much is too much? Leading financial education nonprofit American Consumer Credit Counseling has compiled a list of tips that will maximize the fundraising success, while also keeping relationships intact.

“Supporting several charities and soliciting your friends to financially contribute to the cause is a worthwhile mission, but one that should be navigated and carried out with care,” said Steven Trumble, President and CEO of American Consumer Credit Counseling. “By following these guidelines, consumers will be able to raise funds without damaging relationships with friends and family members – the ultimate win-win situation.”

1)    Develop your message. If you can speak with conviction about the charity and demonstrate your passion for the cause, people will be more motivated to support you. Your ability to answer questions with ease instills a sense of faith in those you approach for donations.

2)    Be comfortable asking, and comfortable hearing no. This coincides with how often it is appropriate to solicit the same individuals for different charities. Close family and friends can be approached for each event, while distant relatives and acquaintances should be limited to two or three requests per year to avoid inundating them. While raising money for charity is notable, don’t expect every person to give. If you send a solicitation and the person doesn’t respond, don’t badger them. Maintain a ‘no hard feelings’ policy and never put people on the spot. If your request is declined, thank them anyway and move right along in the conversation.

3)    Know your target audience. You will get better results by targeting your solicitations rather than blasting your entire address book. For instance, if you know someone who is an animal lover, contact them to help raise funds for the local shelter you’re supporting.

4)    Finances are not created equal. It’s important to understand that not everyone has the financial means to donate, no matter how worthy the cause. Try to be aware of this and introduce other ways that the friend or family member can support the charity through volunteering or helping in your effort to raise funds.

5)    Mind your manners. Always send a thank you note or e-mail after a person has donated to your cause. By supporting your charitable interests, the person has gone above and beyond. Be sure to let them know that their generosity made an impact.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling, call 800-769-3571
    For bankruptcy counseling, call 866-826-6924
    For housing counseling, call 866-826-7180
    Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. ACCC provides individuals with practical debt solutions for solving financial problems and recognizes that consumers’ financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nation’s leading providers of financial education and credit counseling services, ACCC’s certified credit advisors work with consumers to help them determine the best plan of action to get out of debt and regain financial stability. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.

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Clipix Partners With One of Japans Largest Credit Card Issuers, Credit Saison


Fort Lee, NJ (PRWEB) April 22, 2014

Clipix, a leading online curation and organizational utility platform announces today the integration of its technology with one of Japan’s leading credit card issuers, Credit Saison Co., and with its wholly-owned shopping loyalty/reward platform Eikyufumetsu (http://www.a-q-f.com). From today, Eikyufumetsu’s 25+ million members will have a simple and user-friendly way to store and organize all the items that they may want to purchase in the future on to Clipix’s clipboards system by “clipping” items from Eikyufumetsu’s vast network of participating retailers. This partnership will enable Eikyufumetsu members to take advantage of earning points through the Eikyufumetsu widely used loyalty point system even if the items are purchased through a member’s Clipix account.

“We are thrilled to be partnering with such a major player in the Japanese ecommerce space. Credit Saison is a Japanese household name, and their popular loyalty site is rich with consumer benefits and exciting features“ said Clipix Founder and CEO, Oded Berkowitz. “Japan is an amazing market, and this is our first of many future partnerships abroad. Wanting to save money and be more organized is a universal concept and our platform can work everywhere, while benefiting many industries”.

By integrating Clipix into their services, Credit Saison is streamlining the purchase process for their members who may see something that they want to buy through a participating partner retailer, but are not ready to purchase it at this time. Members are now able to login to Clipix or create a new account on Clipix by simply entering their Credit Saison’s “Net Answer” or “At You Net!” IDs. Clipix will assist Credit Saison members to organize anything from planning an event, planning a vacation or simply shopping for everyday life necessities. Clipix, a tool that lets you privately save and organize anything you see online into one central place will eliminate the need for customers to keep searching for the same products and log back into the Eikyufumetsu system in order to make purchases.

A key feature of Clipix is the patent-pending Price Drop Alert system, which notifies customers when an item they have selected and clipped into their account reaches their desired price. This feature suits the business goals of Credit Saison and Eikyufumetsu as customer convenience and services are at the crux of their corporate growth strategy. Eikyufumetsu members can easily link their Eikyufumetsu and Clipix accounts upon signup and feel confident that their purchases through their Clipix clipboards will result in Eikyufumetsu loyalty points. The Price Drop Alert system will help Japanese consumers become more easily aware of sales and discounts, thus expanding the sales volume for Credit Saison through its Eikyufumetsu platform.

Clipix is currently available and fully operative in 12 different languages, and has active users in 148 different countries around the globe.

“We are pleased to launch our first partnership in Japan, specifically with such an important entity like Credit Saison” said Toshirou Sasaki, CEO of Raysus co, and Ryohei Kimura, Clipix’s representatives in Japan. “Clipix, as a personal and private organizational utility is perfect for the Japanese market. We are looking forward to expand Clipix’s business in Japan and assist Credit Saison and Eikyufumetsu grow their ecommerce transaction volume by enhancing their customer’s planning and purchasing experience”.

About Clipix:

Clipix is your one place to save what’s important, online and offline. Clip anything you care about to private clipboards or share your clips with the world. Clip websites, articles, shopping items, videos, documents, emails and just about anything you want easy access to ¬– from anywhere. Organize your clipboards into multiboards and collaborate with friends and family using our Syncboards. Available in 12 different languages, Clipix is an incredibly useful tool that is changing the way we organize our lives. Launched in 2012, Clipix is based in Fort Lee, NJ.

Media Contact US:

Allen Cohen

201.292.8425 x105

acohen(at)clipix(dot)com

Media Contact Japan:

Ryohei Kimura

+81.90.2653.4088

rkimura(at)clipix(dot)com







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FMSIs Workforce Optimization Reporting Solution Leads to Sizable Savings for FirstOntario Credit Union


Alpharetta, GA (PRWEB) March 28, 2014

Financial Management Solutions, Inc. (FMSI) announced today that its Branch Staff Reporting and Scheduler has helped the$ 2.6 billion FirstOntario Credit Union (FirstOntario) make significant gains in controlling their workforce costs. With the detailed FMSI monthly metrics highlighting optimal staffing levels based on demand, FirstOntario achieved a 16% decrease over the last year in their average labor cost per transaction for their front-line staff.

“With our staff cost 25% higher than our competitors, we were very conscientious about adding staff in the right ways during a recent strategic growth mode,” says Kelly McGiffin, the President and Chief Executive Officer at FirstOntario. “FMSI provided us with the metrics to effectively control our cost, allowing us to know precisely where and when we needed the right number of staff.”

FirstOntario has been able to decrease its total staff expense as a percentage of total assets from 1.9% to 1.2% in the last five years—all while doubling in size.

“A lot went into our growth strategy and the FMSI solution is one of the most useful tools in our toolbox,” says McGiffin. “There is no doubt in my mind FMSI has helped us save a tremendous amount of money, and has been a crucial part in growing our business over the last year.”

Since implementing the FMSI system, FirstOntario has reduced their excess waiting for work expenses by 50%, and they have improved their front-line staff productivity by 19%.

“Maintaining front-line staffing at the ideal level to ensure member satisfaction can sometimes be a very credit union specific decision,” says W. Michael Scott, President/CEO of FMSI. “Without accurate information, most financial institutions are not equipped to make a proper evaluation. With more than 20 years of experience helping banks and credit unions improve the productivity of their staff, our unique solutions for measuring and forecasting transaction volumes regularly reveal areas for better service and increased productivity.”

About FirstOntario Credit Union

In business since 1939, FirstOntario Credit Union has more than $ 2.9 billion in funds under management, serves over 90,000 Members and offers a full suite of banking products including daily banking, mortgages, lines of credit, loans and investments. FirstOntario operates 27 branches serving 13 communities across the Hamilton, Halton, Niagara, Haldimand/Norfolk and Oxford regions and Membership at FirstOntario is open to anyone. FirstOntario is a proud advocate of the communities they serve and supports many important community organizations. FirstOntario is a founding sponsor for Hamilton Hive, and supports Co-operative Young Leaders (CYL) and youth at risk through Soupfest. FirstOntario also offers a scholastic bursary program and a microlending program in the Hamilton and Niagara regions. For more information please visit: http://www.FirstOntarioCU.com

About Financial Management Solutions, Inc. (FMSI)

Located in Atlanta, GA and established in 1990, FMSI provides easy-to-use, yet sophisticated, business intelligence systems – Branch Staff Reporting and Scheduler, The ContactCenter Management System™ (CMS), and the Lobby Tracking System™ (LTS)—that allow financial institutions to manage and staff to meet their service and sales needs. FMSI’s smart scheduling application gives banks and credit unions the ability to optimally schedule their team throughout the branch network, and to manage staff through easy to read color graphics, online interactive dashboards, and succinct management reports. FMSI provides performance management information exclusively to financial institutions of all sizes, including a workforce optimization comparative data benchmarking report that allows clients to see where they rank amongst their industry peers. Visit the company’s website at http://www.fmsi.com or call 877.887.3022 to schedule a complimentary online demonstration of any of our products.







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Bonus Credit on Mobile Recharges to Costa Rica, Bolivia and Honduras on MobileRecharge.com


Atlanta, Georgia (PRWEB) March 21, 2014

For everyone interested in saving money on their international mobile recharges, MobileRecharge.com announces daily and monthly promotions. The on-going bonuses that apply on MobileRecharge.com in March are on top ups to Kolbi Costa Rica, Tigo Honduras and Tigo Bolivia.

The website gives anyone holding a free account the possibility to send bonus credit when making a top up. It’s a gift for new customers and a rewarding program for loyal ones.

Promotions can be checked on the “Promotions” page on MobileRecharge.com. Here is a list for on-going offers in March:

200% free mobile credit for recharges of Kolbi mobiles in Costa Rica
200% Bonus for recharges to Tigo Honduras mobiles
10% Bonus for credit sent to Tigo Bolivia

200% Bonus applies to Tigo Honduras and Kolbi Costa Rica during weekends on MobileRecharge.com. In other words, all March recharges sent to Kolbi mobiles in Costa Rica on Sundays receive a 200% additional mobile credit, while the same bonus applies to recharges to Tigo Honduras on Saturdays and Sundays in March. The minimum recharge to receive the bonus for Kolbi Costa Rica is $ 5 and the bonus is available for 3 days, while for Tigo Honduras the minimum recharge is $ 10 and the bonus is available for 30 days. More details about March promotions for Kolbi and Tigo can be found on MobileRecharge.com.

On top ups to Tigo mobiles in Bolivia, MobileRecharge.com offers 10% extra credit, anytime in March. It applies for any recharge amount of minimum $ 5. The ending date of this offer for mobile recharges to Tigo Bolivia is March 31 the latest (23:59 Bolivia time). The bonus that amounts to 10% of the recharged value, applies to all top ups sent to Tigo Bolivia mobiles with MobileRecharge.com.

Details about what the bonus credit consists of, SMS, data or calling minutes, are available in the Terms & Conditions associated with each promotion.

The mobile recharge process takes less than 1 minute, and it is very simple. First, one is required to log into their account on MobileRecharge.com. Those who do not have an account can open it in few minutes without paying anything for it ever. Then once logged in, one can start ordering the recharge by filling in the online form. The page comprises a simple online order form. After filling in the details of the recharge and double checking them, one is guided to the checkout to proceed to payment.

Online payment is easy and secure with MobileRecharge.com. All major payment methods are accepted: Visa, MasterCard, American Express, Discover and PayPal. Payment is available in several currencies: US, Australian or Canadian Dollars, British Pounds and Euros. The payment security system is known as very strong.

On a review website, customers point out different aspects of MobileRecharge.com.

One of the customers Simone describes the service as “Excellent” while recommending it “to everyone who’s tired of complicated procedures required to send credit abroad.” And Southerngrll44, a user on ResellerRatings.com stresses the idea: “Easy way to refill minutes on overseas phone with very little hassle.” Mjka, another customer, says that MobileRecharge.com “is very well organized and easy to navigate.” Darnley refers to it as fast: “The Transaction is Fast and Accurate !” While Shamshi points to its advantage when traveling and the immediate recharge: “It’s very helpful if you’re travelling outside your home country; it’s work very instantly.” Another customer qualifies it as a top service: “Awesomest site ever… used it several times… got the recharge within 5 mins every single time.” Durandaysy points out the immediate reception of the recharge as well, no matter the distance: “Is the best website i found to put money to my mom’s cell phones in Dom.Rep. And she gets the minutes right away.”

Extras on MobileRecharge.com range from loyal support to usability:

Orders can be placed from a PC or wherever you are, comfortably and easily, even on the go; the sole condition is to have Internet access.
Friendly website design, easy browsing
Order status, invoices and other records displayed in the online account
Transparent transaction, no hidden fees
Mobile credit ordered is received by the cellphone in real time
Promotions are also advertised by email for those having subscribed to the Newsletter.
Great customer support. Customers can independently use a comprehensive Help Center or a search box with FAQs. – Also, the 24/7 Customer Service is easily reachable by chat or email in both English and Spanish.
MobileRecharge.com Community
For constant news feed: the MobileRecharge.com blog (http://blog.mobilerecharge.com/) and the Facebook page (https://www.facebook.com/MobileRecharge.Fan)

About MobileRecharge.com

MobileRecharge.com is a website designed by KeepCalling, a global telecommunications company registered in 2002 in the USA, that was listed as the 16th fastest growing company in the telecommunications industry in 2013 by Inc Magazine. KeepCalling, the company behind MobileRecharge.com, offers other telecom solutions apart from mobile recharge: Voice Credit, Virtual Number, Monthly Plans. Presently, KeepCalling provides its services to over 200,000 consumers and businesses.







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Survey: Does Credit Compatibility Predict a Successful Marriage?


San Francisco, CA (PRWEB) February 11, 2014

In a new survey that looks at how married and divorced people deal with credit and debt, Credit.com found that almost half – 49% – of currently married couples reported their credit scores to be about the same as their partners, while only 26% of divorced couples said the same about their credit scores during the time they were married. Beyond that, 81% of married survey respondents who said they had similar credit scores to their spouse reported they were very satisfied (52%) or somewhat satisfied (29%) with how they were managing their credit and finances. They also tended to manage their credit and debt cooperatively with their spouse (61%) vs. divorced people when they were married (29%).

Yet overall only 37% of married couples are very satisfied with the way they are managing their finances, while 49% of divorced couples say the same.

More important takeaways from Credit.com’s 2014 Marriage, Divorce & Credit Survey:

Respondents are fairly evenly split on whether their credit scores improve or get worse after divorce

30% of divorced respondents say their scores are significantly better after their divorce
31% say that their scores got worse
16% say their scores are somewhat better
23% say that they don’t know

For divorced individuals, credit and debt usage grows during marriage (comparing prior-to-marriage vs. post-divorce debt levels)

Those with credit card balances increases from 53% to 70%
Those with mortgages increases from 32% to 54%
Those with auto loans increases from 38% to 46%
Those with student loans increases from 24% to 31%
Those with medical debt increases from 20% to 27%

It can take a long time to separate finances after a divorce

6% say it took more than 3 years
14% say it took between 1-3 years
15% say it took between 6-12 months
The remainder say it took less than 6 months

Many regret not talking about credit and finances before marriage

28% of divorced regret not discussing credit and financial goals before getting married vs. 10% of currently married people
66% say that money contributed to their divorce
45% of married say that credit/debt issues cause stress in their marriage

Satisfaction in how they are managing their credit and finances can improve as well

49% of divorced are very satisfied with how they are managing their finances after their divorce vs. just 37% of married

About the Survey

Credit.com Marriage, Divorce, and Credit Survey was based on data collected from 1,061 US consumers, aged 18+, using SurveyMonkey Audience, over the period January 31 – February 2, 2014.

About Credit.com

Credit.com is a trusted source of financial information for consumers. Founded in 1994, and run by leading credit & money experts, Credit.com offers the latest news, advice, and free, easy-to-use tools to help consumers gain valuable insight, save money and make smarter financial decisions. Its flagship product, the free Credit Report Card, has been recognized as an innovative consumer finance tool by CNN, Wall Street Journal, Fast Company, and others.

To learn more about Credit.com’s Marriage, Divorce & Credit Survey, or other issues related to credit, debt and personal finance in general, please contact Michael Schreiber at michael(at)credit(dot)com or Gerri Detweiler at gerri(at)credit(dot)com.

*The Marriage, Divorce & Credit Survey was conducted among 1,061 adults online Jan 31 – Feb. 2 on behalf of Credit.com.