10 Top Uses For Excel In A Debt Collections Business

In CategoryPublic Relations

When you run a business from home, you need all of the tools at your disposal to make keeping track of the details easier — but some tools, like Microsoft Excel, can take a startling array of forms. A collections business can utilize Microsoft Excel in several mundane and a few very startling ways.


There are tens of thousands of templates for Excel on the web, not to mention the dozens it comes prepackaged with. Check out a few that a debt collection agency can well use:

SLAs — While most of your service-level agreement will be in text form, there is always a page that requires some of Excel’s organizational capacity — the costs page. With Excel, it’s easy to manipulate cost-per-X, overtime agreements, what charges your contractor will authorize, and more.

Background Checks — One of the more important aspects of a solid debt collections effort is collecting all of the information you can about your debtor. With an in-depth background check template, you can simplify the process by using drop-down menus rather than manually-typed entries, and you can make sure that all of the questions get answered.

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Employee Training Records — There are a lot of things that a debt collection agent needs to know, especially about the Fair Debt Collection laws. By putting together an exhaustive list and checking off when an employee has been trained on an item, you not only ensure that employees ARE fully trained, but you have the records to prove it.

Receipts — Debt collection receipts can vary in complexity from simple notes to full-page outlines of what’s been paid, what is owed, what is accruing interest at what rate, and how long it will take to pay off the debts at the current rate. Excel templates can do the latter with ease.


Every startup debt collection agency faces challenges when it comes to getting clients. A few choice Excel tricks can make this a much easier process.

Direct Mail — For a third-party agency, getting customers is all about finding companies interested in selling you their debt. Contacting a mailing list renter that specializes in first-party collections groups and using Mail Merge to create a form letter announcing your service is easy with Excel.

Online Advertising — Keywords are king when it comes to online marketing. Get a pro to do research what keywords you should use, but request the results in Excel, so that you can sort by any of the several variables each keyword has, and find the best most easily.

The Back End

Excel spreadsheets can take care of much more than the financial paperwork in your back office.

Scheduling — Excel can easily produce both numerical and graphical schedules so that you can easily take notes or see potential scheduling conflicts.

Customer Tracking — There are a myriad of different options that a customer can take when it comes to servicing his debt. Excel can whip up a quick plan that will automatically calculate interest and the pay-off debt.

Inventory — Even a small business with few employees can go through a staggering variety of amount of supplies in a month. With Excel, you can keep inventory and know what you need to order when — but you can also project business a few weeks ahead so you can modify orders based on any potential downturns.

Article Source: sooperarticles.com/business-articles/freelance-home-business-articles/10-top-uses-excel-debt-collections-business-114651.html

About Author:

Jen Morrison is a writer for LastMinuteTraining.ca. Canada’s largest online marketplace for training. They provide access to Excel training in Toronto and in most other major centers across Canada. Author: Jen Morrison

SBC teams with Scientific-Atlanta for cable TV rollout in 13 US states

In CategoryUncategorized

Saturday, April 2, 2005

Regional U.S. telephone giant SBC Communications is one step closer to offering cable television to the 18 million households in its 13 state coverage area. The company announced a $195 million contract with Scientific-Atlanta Thursday to provide a video operations center and regional hubs for the new service. Under the brand name, U-verse, the SBC’s television rollout is set to launch in 2006 after field trials begin later this year.

The company is seeking the so-called “triple play,” where a telecommunications company offers voice, data and video in one bundled package. Local telephone companies like SBC have been losing business to cable TV companies, which have added telephone and Internet services in recent years.

In a slew of recent deals, SBC is looking to stop that trend. Within the past six months it has signed alliances with various technology firms to build out a fiber network to the home strategy. For instance, SBC has a $1.7 billion deal with Alcatel to build out its fiber optic network and a 10-year, $400 million, pact with Microsoft to license its IPTV technology to allow multi-channel television to stream over its Internet backbone.

In most of the U.S. only cable TV companies like Comcast have been able to offer the “triple play” of voice, video and data services. But traditional phone companies like SBC and Verizon have been upgrading their copper wire telephone networks to fiber optic. SBC says it plans to spend billions of dollars to overhaul its telecommunications network, saying the aging and brittle copper wires which were originally laid in the early 1900s do not have enough bandwidth to allow television capability.

More dog and cat food recalled in the United States

In CategoryUncategorized

Wednesday, April 18, 2007

Natural Balance Pet Foods has recalled some of its wet and dry food for cats and dogs after several owners said that their pets were becoming sick. The company urges owners to stop feeding their pets the food immediately.

The brands recalled include Venison & Brown Rice Dry Dog Food and Venison & Green Pea Dry Cat Food.

Last month, Menu Foods recalled all of its 60 million products of dry and wet dog and cat food after pets began to fall ill and in some cases died of kidney failure.

“Natural Balance, Pacoima, CA, is issuing a voluntary nationwide recall for all of its Venison dog products and the dry Venison cat food only, regardless of date codes. The recalled products include Venison and Brown Rice canned and bagged dog foods, Venison and Brown Rice dog treats, and Venison and Green Pea dry cat food. Recent laboratory results show that the products contain melamine. We believe the source of the melamine is a rice protein concentrate. Natural Balance has confirmed this morning that some production batches of these products may contain melamine,” said a press released issued by Natural Balance.

The FDA states that the “investigation remains open and active, and the agency continues to follow leads to get closer to the root cause of the problem and to ensure that all contaminated product is removed from the market.”

“The source of the melamine appears to be a rice protein concentrate, which was recently added to the dry venison formulas. Natural Balance does not use wheat gluten, which was associated with the previous melamine contamination,” said the press release.

Bags, cans and zip lock bags of the food are expected to be the most affected.

“The products are packaged in bags, cans and zip lock treat bags and sold in pet specialty stores and PetCo nationally. No other Natural Balance products are involved in this voluntary recall as none of our other formulas include the rice protein concentrate,” added the press release.

The company states that the food, Venison & Brown Rice Dry Dog Food and Venison & Green Pea Dry Cat Food, are the only brands affected by the recall.

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In CategoryUncategorized

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Emergency Dental Care: Things You Can Do At Home

In CategoryDentist

Emergency Dental Care: Things You Can Do At Home


Patrics Taylor

Tooth pain is extremely painful and need emergency dental care. Injuries to the gums and teeth are the most serious pain for an individual. Also, there are some kinds of infections that can not only destroy or damage the tooth, but also spread germs and bacteria to various other body parts. You need to give special care and attention to your teeth and gums in order to prevent the serious toothache. When suffering from any tooth related pain, make sure to see an experienced dentist as quickly as possible and ask for emergency dental care services to get relief from the tooth pain you are going through.

Till the time your dentist arrive at your place, here are few list of things that you can do while waiting for him.

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When having a minor toothache, then heat some water. Hiss warm water in your mouth and around it. Also, use dental floss to take away any remains. On the contrary, if you are suffering from a severe pain because of the swollen gum around your tooth, you might have puffiness. It is one of the most serious tooth infections, which can pass through to your internal organs like heart and result in some bad consequences. In such situation, see your dentist as soon as possible to get the right treatment before the case become worse.

In most of the tooth pain cases, the patient get relief from holding warm water in the mouth, but there are some cases where in holding cold water in mouth is far better to get quick relief. To check which one will work better in your case, it is important to consult your dentist. If you are having swelling in your gum near your tooth, then it is better to add around half teaspoon of salt into the cup of cold or warm water as per advised by your dentist to reduce pain and swelling. Further, you can also place an ice bag around your cheek, which will numb the pain and ease swelling followed by the pain.

If you lose a teeth filling, then you can uphold warm water in mouth to remove all food remains from the cavity. You can use temporary filling, sugarless gum, a dental emergency kit or soft waxes to cap the hole till your dentist see you.

If you lose your tooth in any injury or if your youth comes out by its own, then make an effort to find your tooth. Try to fix it back in the right position if possible. If your tooth cannot be fixed this way, then put it in a cup of milk till you see the dentist.

Brenner- Rochvarg

offers their existing patients the required

emergency dental services

to alleviate their pain and discomfort caused by oral issues. Dentists at Bucks County are renowned all over the country for the quality dental services they offer.

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P&G to acquire Gillette for US$57 billion

In CategoryUncategorized

Friday, January 28, 2005

New York –American manufacturing giant Proctor & Gamble (P&G) plans to acquire Gillette Co. for US$57 billion in stock. The purchase plan calls for P&G to swap 0.975 shares of its stock per share of Gillete Co. P&G also announced a stock buyback program in which they would purchase up to US$22 billion of shares over the next 18 months. Including the stock buyback program, the merger is being financed by 60 percent stock and 40 percent cash.

P&G is known for brands such as Ariel and Tide washing powder, Max Factor cosmetics, Pringles potato crisps (chips) and Hugo Boss and Lacoste perfumes.

Gillette, known for brands such as Gillette razors, Oral B dental care, and Duracell batteries, has had growing problems with the growth of private labels and price cuts demanded by large supermarkets.

After the acquisition is completed, Gillette’s CEO James Kilts will be P&G’s vice-chairman. Kilts said that he expects that this acquisition will cause additional mergers to take place.

“I believe the consumer product industry needs to consolidate,” said Kilts, “we believe we can bring these companies together and create a juggernaut.”

P&G and Gillette have a combined market capitalization of about $185 billion US, which will make it the largest in the sector.

The early morning announcement states that 6,000 employees will be eliminated. Most of the layoffs will result from reducing overlapping management positions and other supporting positions within the combined company.

Antitrust regulators in the US and Europe plan to review the acquisition, to determine whether the combined company will have too much power over pricing and shelf space.

P&G plans to provide additional details about the merger Friday morning (East Coast time) in New York.

One year on: Egyptians mark anniversary of protests that toppled Mubarak

In CategoryUncategorized

Wednesday, January 25, 2012

Across Egypt hundreds of thousands have taken to the streets for the day, marking exactly one year since the outbreak of protests leading to 83-year-old longstanding ruler Hosni Mubarak’s downfall. The country’s decades-long emergency rule was partially lifted this week; meanwhile, a possible economic meltdown looms and a newly-elected parliament held their first meeting on Monday.

Despite the new parliament, military rule introduced following Mubarak’s fall last spring remains. Echoing the demands from a year ago, some protesters are demanding the military relinquish power; there are doubts an elected civilian leader will be permitted to replace the army.

The brief unity against Mubarak has since fragmented, with Secularists and Islamists marking the revolution’s anniversary splitting to opposing sides of Cairo’s famed Tahrir Square and chanting at each other. Initial demonstrations last year were mainly from young secularists; now, Islamic parties hold most of the new parliament’s seats — the country’s first democratic one in six decades.

Salafis hold 25% of the seats and 47% are held by the Muslim Brotherhood, which brought supporters to Cairo for the anniversary. Tahrir Square alone contained tens of thousands of people, some witnesses putting the crowd at 150,000 strong. It’s the largest number on the streets since the revolution.

Military rulers planned celebrations including pyrotechnics, commemorative coins, and air displays. The Supreme Council of Armed Forces took power after last year’s February 11 resignation of Mubarak.

Alaa al-Aswani, a pro-democracy activist writing in al-Masry al-Youm, said: “We must take to the streets on Wednesday, not to celebrate a revolution which has not achieved its goals, but to demonstrate peacefully our determination to achieve the objectives of the revolution,” — to “live in dignity, bring about justice, try the killers of the martyrs and achieve a minimum social justice”

Alexandria in the north and the eastern port city of Suez also saw large gatherings. It was bitter fighting in Suez led to the first of the revolution’s 850 casualties in ousting Mubarak. “We didn’t come out to celebrate. We came out to protest against the military council and to tell it to leave power immediately and hand over power to civilians,” said protestor Mohamed Ismail.

“Martyrs, sleep and rest. We will complete the struggle,” chanted crowds in Alexandria, a reference to the 850 ‘martyrs of the revolution’. No convictions are in yet although Mubarak is on trial. Photos of the dead were displayed in Tahrir Square. Young Tahrir chanters went with “Down with military rule” and “Revolution until victory, revolution in all of Egypt’s streets”.

If the protestors demanding the military leave power get their way, the Islamists celebrating election victory face a variety of challenges. For now, Field Marshall Mohamed Hussein Tantawi — whose career featured twenty years as defence minister under Mubarak — rules the nation and promises to cede power following presidential elections this year.

The economy is troubled and unemployment is up since Mubarak left. With tourism and foreign investment greatly lower than usual, budget and payment deficits are up — with the Central Bank eating into its reserves in a bid to keep the Egyptian pound from losing too much value.

Last week the nation sought US$3.2 billion from the International Monetary Fund. The IMF insists upon funding also being secured from other donors, and strong support from Egypt’s leaders. IMF estimates say the money could be handed over in a few months — whereas Egypt wanted it in a matter of weeks.

The country has managed to bolster trade with the United States and Jordan. Amr Abul Ata, Egyptian ambassador to the fellow Middle-East state, told The Jordan Times in an interview for the anniversary that trade between the nations increased in 2011, and he expects another increase this year. This despite insurgent attacks reducing Egyptian gas production — alongside electricity the main export to Jordan. Jordan exports foodstuffs to Egypt and has just signed a deal increasing the prices it pays for gas. 2011 trade between the countries was worth US$1 billion.

The anniversary also saw a new trade deal with the US, signed by foreign trade and industry minister Mahmoud Eisa and U.S. Trade Representative Ron Kirk. President Barack Obama promises work to improve U.S. investment in, and trade with, nations changing political systems after the Arab Spring. Details remain to be agreed, but various proposals include US assistance for Egyptian small and medium enterprises. Both nations intend subjecting plans to ministerial scrutiny.

The U.S. hailed “several historic milestones in its transition to democracy” within a matter of days of Egypt’s revolution. This despite U.S.-Egypt ties being close during Mubarak’s rule.

US$1 billion in grants has been received already from Qatar and Saudi Arabia but army rulers refused to take loans from Gulf nations despite offers-in-principle coming from nations including Qatar, Saudi Arabia, and United Arab Emirates. Foreign aid has trickled in; no money at all has been sent from G8 nations, despite the G8 Deauville Partnership earmarking US$20 billion for Arab Spring nations.

A total of US$7 billion was promised from the Gulf. The United Kingdom pledged to split £110 million between Egypt and Arab Spring initiator Tunisia. The European Bank for Reconstruction and Development says G8 money should start arriving in June, when the presidential election is scheduled.

The African Development Bank approved US$1.5 billion in loans whilst Mubarak still held power but, despite discussions since last March, no further funding has been agreed. The IMF offered a cheap loan six months ago, but was turned away. Foreign investment last year fell from US$6 billion to $375 million.

Rights, justice and public order remain contentious issues. Tantawi lifted the state of emergency on Tuesday, a day before the revolution’s anniversary, but left it in place to deal with the exception of ‘thuggery’. “This is not a real cancellation of the state of emergency,” said Islamist Wasat Party MP Essam Sultan. “The proper law designates the ending of the state of emergency completely or enforcing it completely, nothing in between.”

The same day, Amnesty International released a report on its efforts to establish basic human rights and end the death penalty in the country. Despite sending a ten-point manifesto to all 54 political parties, only the Egyptian Social Democratic Party (of the Egyptian Bloc liberals) and the left-wing Popular Socialist Alliance Party signed up. Measures included religious freedom, help to the impoverished, and rights for women. Elections did see a handful of women win seats in the new parliament.

The largest parliamentary group is the Freedom and Justice Party of the Muslim Brotherhood, who Amnesty say did not respond. Oral assurances on all but female rights and abolition of the death penalty were given by Al-Nour, the Salafist runners-up in the elections, but no written declaration or signature.

“We challenge the new parliament to use the opportunity of drafting the new constitution to guarantee all of these rights for all people in Egypt. The cornerstone must be non-discrimination and gender equality,” said Amnesty, noting that the first seven points were less contentious amongst the twelve responding parties. There was general agreement for free speech, free assembly, fair trials, investigating Mubarak’s 30-year rule for atrocities, and lifting the state of emergency. A more mixed response was given to ensuring no discrimination against LGBT individuals, whilst two parties claimed reports of Coptic Christian persecution are exaggerated.

Mubarak himself is a prominent contender for the death penalty, currently on trial for the killings of protesters. The five-man prosecution team are also seeking death for six senior police officers and the chief of security in the same case. Corruption offences are also being tried, with Gamal Mubarak and Alaa Mubarak accused alongside their father Hosni.

The prosecution case has been hampered by changes in witness testimony and there are complaints of Interior Ministry obstruction in producing evidence. Tantawi has testified in a closed hearing that Mubarak never ordered protesters shot.

Do you believe Egypt’s current military rulers will allow a peacful transition to civilian rule?
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Hisham Talaat Moustafa, an ex-MP and real estate billionaire, is another death penalty candidate. He, alongside Ahmed Sukkari, was initially sentenced to death for the murder of his ex-girlfriend, Lebanese pop star Suzanne Tamim. A new trial was granted on procedural grounds and he is now serving a fifteen-year term for paying Sukkari US$2 million to slit 30-year-old’s Tamim’s throat in Dubai. Her assassin was caught when police followed him back to his hotel and found a shirt stained with her blood; he was in custody within two hours of the murder.

The court of appeals is now set to hear another trial for both men after the convictions were once more ruled unsound.

A military crackdown took place last November, the morning after a major protest, and sparking off days of violence. Egypt was wary of a repeat this week, with police and military massed near Tahrir Square whilst volunteers manned checkpoints into the square itself.

The military has pardoned and released at least 2,000 prisoners jailed following military trials, prominently including a blogger imprisoned for defaming the army and deemed troublesome for supporting Israel. 26-year-old Maikel Nabil was given a three year sentence in April. He has been on hunger strike alleging abuse at the hands of his captors. He wants normalised relations with Israel. Thousands have now left Tora prison in Cairo.

State of emergency declared in New York over H1N1 swine flu virus

In CategoryUncategorized

Thursday, October 29, 2009

According to US health officials, New York state governor David Paterson has declared a state of emergency in the state as a result of the H1N1 swine flu outbreak.

The Associated Press news agency reports that the six-page declaration was issued because at least 75 people have died of H1N1 related illnesses in New York since April. Three have died from H1N1 related illnesses just this past week. The declaration also says that human cases of the virus are on the rise.

Paterson says he issued the declaration because “a disaster has occurred throughout New York State, for which the affected local governments are unable to respond adequately.”

The declaration will allow health officials more access to the H1N1 vaccine and the seasonal flu shot. It will also allow for an increase in the number of vaccine doses available in the state and will allow more health care facilities to administer the vaccine, including dentists and pharmacists. Schools with health centers will also be allowed to administer both vaccines.

Despite the declaration, officials stressed that there is no reason to worry. A spokeswoman for the New York State Department of Health, Claire Pospisil, said that “it [the declaration] helps us to be more prepared.”

The order came shortly after US president Barack Obama declared a national emergency last Saturday, a response to the spreading of the virus, which has now been circulated in 46 states.

Federal Arrest Records: Have You Checked Your Own Arrest Records?

In CategoryLawyers And Law Firms

By Terje Brooks Ellingsen

Trials are won and lost by the quality of evidence your lawyer is able to present. Take good care of your evidence. One can search for criminal Federal Arrest records on the Internet rather than having to go through the courts themselves!. Sometimes, access to criminal records for the private citizens and firms is free of charge. Over the past few years’ road accidents have risen to an alarming level and the ones related to drunk driving are becoming increasingly common.

There is no risk involved in the online accessibility of criminal Federal Arrest records. Criminal Federal Arrest records are indexed by name. So in order to get accurate results you should obtain the exact spelling of the name. The person or company that wants to have the criminal record check need not spend any amount of money for having the record checked. The criminal Federal Arrest records includes the first and last name of the fugitive accompanied by a photo.

Many effective strategies have implemented by the state in order to prevent DUI accidents. Government agencies and court systems sometimes limit accessibility of the information they have posted online or offline to reduce the risks involved in the public accessibility of the criminal records. Civil cases are resolved by individuals and usually do not involve incarceration.

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private citizens and firms may not have any access to federal criminal Federal Arrest records. Keep in mind too cases of false or mistaken identities which may bring blame to someone totally innocent of any wrongdoing thus you cannot generalize a person just based on his or her arrest records. Find out more about checking up on arrest records at


If you are arrested – you will have to provide some basic information which includes your name/ address and telephone number/ the name of an immediate family member and their phone number and the name of the place of your employment. Similarly, firms may have the check before employing any new employees into different positions, particularly for high-profile jobs.

What Happens If You Are Arrested?

The arresting police will then fax the file to the District Attorney’s office so they can draft a criminal complaint against you and assign your case file a docket number. Obviously if you see entries of crimes you have never committed- it is highly possible that someone else has been using your identity!.

About the Author: Find out more about checking up on arrest records at




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Moldovan Prosecutor General’s Office finishes investigation regarding Valeriu Pasat

In CategoryUncategorized

Tuesday, May 10, 2005

Prosecutors are investigating Valeriu Pasat, a former Moldovan Defense Minister and current adviser to the Chief of Unified Energy Systems of Russia, for reported sales of Moldovan military equipment for personal gain.

Pasat is being held regarding two charges. The first involves illegal sales of multiple missile launchers to the firm Joy Slovakia, and the second regarding the sale of 21 MiG-29 jets to the United States in 1997. The first deal is reported to have cost Moldova US$1.8 million, with the second costing $53 million.

Pasat’s lawyer Gheorghe Amihalachioae stated that Pasat had been given the materials for his criminal case to read. Pasat was summoned to the court, but refused to give testimony, instead stating that Moldovan authorities made up the charges against him for their own political gain.

If Pasat is found guilty on both charges, he could face from five to 12 years in prison.