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CLCA: The Answer to Lower Auto Insurance Quotes

Tue, 08 Dec 2009 02:02:00 GMT2009-12-08T02:02:00Z

(image) I have always been a dedicated commuter, relishing the financial benefits I reap from the tidy sum I save from doing it. However, I found the need to purchase a car, since I recently transferred to a different company that is located far away, but offers better compensation and benefits. I know for a fact that here in California, it is mandated that everyone has to have auto insurance. Being a newbie when it comes to getting auto insurance quotes, I decided to arm myself with a bit of helpful information via internet researching. I came across an interesting and useful tidbit regarding the CLCA—California’s Low Cost Auto Insurance Program.

For me to be able to buy this insurance, I would have to take a questionnaire test to find out if I qualify for it. Once I certify my eligibility, my application will be assigned to a company via a random assignment process. To be eligible, I’d have to be at least 19 years old, a licensed driver for the past three years, a qualified good driver, have a vehicle valued for $20,000 or less, and meet income eligibility requirements. The CLCA’s basic liability policy includes $10,000 for bodily injury per person, $20,000 for injury per accident, and $3,000 for damages per accident. There are other optional coverages available at extra charge and they include the following: $1,000 for medical payments per person and $10,000 and $20,000 for uninsured motorist bodily injury per person and accident respectively. However, some coverage’s are not included and can be purchased separately such as the coverage for Comprehensive and Collision damages.


I think this is a brilliant program because not every driving citizen can keep up with recent auto insurance quotes CA. The CLCA gives the lower economic class the opportunity to buy auto insurance and protect one of their important investments. Although upon critical review and considerable self reflection, I don’t think I can qualify for this, mainly because I do not meet the income eligibility requirements. But at least I know that there are countless of people far more deserving than I who can positively take advantage of it.

For more, check out Reseda auto insurance quotes Now.

SEO Outsourcing vs PPC

Thu, 26 Nov 2009 04:48:00 GMT2009-11-26T04:48:00Z

(image) In website promotion and generating traffic for a site, there are basically two major options that you can consider: SEO outsourcing or Pay Per Click advertising. For website owners who want to promote their freshly launched site on the Internet, it is very important to know which of the two works to generate more web traffic.

It is vital for to know the advantages and detriments of each Internet marketing approaches, but what’s even more pressing is to identify the objectives and targets that should be met before thinking about website promotions. Consider the budget and resources that you are willing to shell out to raise your rankings and increase traffic. PPC advertising requires you to put the money on the table since every ad and click should be paid for. But keep in mind that PPC is not a surefire thing and that it mostly all depends on the amount of cash you can cough out. With SEO outsourcing, on the other hand, cost may not be so much of a problem. It is even said to be more cost-effective than PPC since you pay for services on an hourly basis or on the number of back links generated. In terms of the ability to produce better rankings, SEO outsourcing is said to be more effective since SEO companies, especially the ones that really give quality service, go into a calculated planning of the back linking strategies before they start the website promotions. These companies have the edge of professional workforce with an in depth knowledge of the algorithms of search engines and behavior of online visitors. With a team of professional SEO engineers, writers, and backlink support group working behind your site promotion, you can adjust strategies and efforts to focus on a certain keyword when it is necessary. This is something that PPC cannot give you.


Promoting a website requires smart planning and sharp knowledge of business objectives and competition. Knowing the right method and approach to use in marketing your website contributes to your web rankings and productivity of your efforts.

Great Business Engagement with a Philippine Call Center Outsourcing Provider

Tue, 10 Nov 2009 01:47:00 GMT2009-11-10T01:47:00Z


As an owner of a startup search engine in Canada, I have my share of jitters about important business decisions. Decisions which if not made with much thought and calculation could burn my business to ashes. Just the other day, I was speaking with my marketing analyst, a friend I’ve had for years about strategies to reach out to my target market. He suggested for me to give call center outsourcing a shot since that’s one of the best ways to get business owners to consider getting my services.

At first, I was not convinced of call center services since I know a lot who outsourced such business function from India and ended up disappointed. They said that they did not get what they paid for and to make things worst, these call centers from India provided them poor service that almost destroyed the reputation of their business. I guess it was really hard for me to put my money on outsourcing since there are lots of call centers out there who do not live up to the expectations of business owners like me. Outsourcing, for me, was a last resort, something that I would not gamble my money on unless it’s offered at considerably low rate. That was how I saw BPO until I came across this call center outsourcing company that changed the deal for me.

It was a BPO company from the Philippines. I heard a lot of great things about the call center industry in this side of Asia and I have worked with a lot of Filipinos in the corporate world. They are just some of the brightest and most talented people I know. The CEO of that outsourcing company from the Philippines discussed with me an impressive service package aligned especially for my business. I signed up for the trial package since that gives me an option of not renewing any business contract with them if they end up not giving me the service I want.


After a month, I was so impressed with the performance and output they were able to give me. It was excellent! They really observed client dedication and transparency. The best thing about it is that I readily saw conversions because of their services. Now, my call center outsourcing worries are over. Because of their services, I am willing to maintain a long-term partnership with them.

Of the Mistake that is the Obama Housing Bailout

Wed, 26 Aug 2009 00:54:00 GMT2009-08-26T00:54:00Z

A new Obama mortgage bailout is being proposed. People see that it is quite similar to the old one. The new Obama bailout moneys being injected is worth about 200 billion dollars. Again.

Why is it that the more someone tells you what you should do about your life or yourself, the more you hate it and you feel the need to rebel against the advice? At least that’s how it is for me. Perhaps it’s because I have been lectured so many times as a child while being hit with a belt. Perhaps it’s because I felt bullied or threatened. What is it that creates the pride that makes you hate admitting that you were wrong? That what you did made things worse. That it was your fault, your decision. And why is it that these kinds of feelings don’t usually appear in the issue of love. Is it because I knew too well the satisfying results of admitting your mistakes in love but not in other parts of life like work and responsibility? Perhaps. I don’t know. But what I am sure of is that the Obama housing bailout plan is a mistake. And the administration better fess up to it.


Everyone is fighting over the 200 billion dollar Obama bailout moneys distributed to Freddie Mac and Fannie Mae. So many people argue about the fact that the Obama administration is still working to create a kind of solution that only serves as a show move. A move to instill confidence back into the economy, but does not really have enough significant effects to raise it up on its own. The Obama mortgage bailout doesn’t even have a clear enough break down of expenditure. Please Mr. President, show us the money.

Salary Defined: Philippine Call Centers

Wed, 29 Jul 2009 01:23:00 GMT2009-07-29T01:23:00Z

In general, salaries were always increasing in Makati, Manila, Eastwood, Ortigas and Fort Bonifacio and the rest of the Philippines due to economic growth, especially in the BPO/IT/Call Center industries. Due to the global economical crisis salaries have just recently stabilized and in some cases reduced slightly. Some companies in North America, Europe and Australia outsourcing to Call Centers and BPO companies in the Philippines have folded or drastically reduced product sales, which resulted in layoffs for some Filipino employees. Nevertheless, IT professionals (developers, programmers, designers), tech support and call center support representatives' salaries are still significantly lower than in the US, Canada, Australia and Europe.

The average monthly salary of tech or customer support representatives in Makati, Manila, Eastwood, Ortigas and Fort Bonifacio, Philippines ranges from US$300 to US$500. The salary of IT professionals in the Philippines can range anywhere from $300 - $2,000 depending on experience and skill-set and management capabilities. All employees in Manila and the rest of the Philippines are college graduates with college degrees and fluent in English.


Call Center & Contact Centers - Voice Agents
Entry Level Customer Support Agents - $300
Experienced Customer Support Agent - $400
Team Lead Agents- $600 - $800
Project Manager or Assistant Manager - $900 - $1,400
Manager - $1,500 - $2,225

BPO Staff - Non-voice, non-legal, technical
Entry Level BPO staff - $200
Experienced BPO - $350
Team Lead Agents - $500 - 700
Project Manager or Assistant Manager - $800 - $1,200
Manager - $ 1,300 - $2,000

Developers, Programmers, Designers, Animators (PHP, .NET, JAVA, Flash, PEARL, etc)
Entry Level from average school - $300
Entry Level from top schools -$400
Experienced - $600 - $900
Very Experienced - $1,000 - $1,500
Project Manager - $1,500 - $2,000

Hedge Fund Adviser Registration Act of 2009

Wed, 29 Jul 2009 01:19:00 GMT2009-07-29T01:19:00Z


As part of its ongoing initiative to implement financial industry regulatory reform , the Obama Administration delivered proposed legislation to Capitol Hill yesterday that would require all advisers to hedge funds and other private pools of capital, including private equity and venture capital funds, to register with the Securities and Exchange Commission (SEC). As noted in the Treasury press release accompanying the Administration’s proposal, hedge funds contributed to the strain on the financial markets by de-leveraging at various points during the financial crisis. Accordingly, in attempt to curb any future liability caused by such entities, the proposal seeks to help protect investors from fraud and abuse, provide increased transparency, and supply information to regulators necessary to assess whether risks in the aggregate or risks in any particular fund pose a threat to the nation’s overall financial stability.

To accomplish these goals, the Administration’s proposal would require advisers to private funds with more than $30 million of assets under management to register with the SEC. In addition to the standard requirements imposed on all registered advisers, adviser to hedge funds and other private pools of capital would be required to provide significant information regarding the assets, leverage use and off-balance sheet exposure of the private funds they manage and provide enhanced disclosure to their funds’ investors, creditors and counterparties. Because of the sensitive nature of this information, this data would be treated as confidential and would not be disclosed to the public. The SEC would, however, share this information with the Federal Reserve and the proposed new Financial Services Oversight Council to help them assess whether any fund or funds advised by the adviser poses such a level of systemic risk as to justify heightened oversight.

The Administration's bill closely mirrors a similar proposal introduced last month by Senator Jack Reed, (D-R.I.), the Private Fund Transparency Act of 2009, which also seeks to require hedge funds and other private funds with assets under management of $30 million or more to register with regulators and to provide the SEC with the authority to collect information from the hedge fund industry and other investment pools, including the risks they may pose to the financial system. However, unlike the Administration’s proposal, the Reed bill does not provide specific details regarding the types of information that would be required and instead merely mandates that advisers “maintain such records and submit such reports as are necessary or appropriate in the public interest for the supervision of systemic risk by any Federal department or agency.”

Obama's Bailout to Cost us Trillions of Dollars

Tue, 28 Jul 2009 05:40:00 GMT2009-07-28T05:40:00Z

According to the Heritage Foundation reports that the true cost of the so-called "stimulus" is going to be $3.27 trillion. That's right, President Obama's bloated bailout boondoggle is going to cost four times the already outrageously expensive $789 trillion Senator Susan Collins finds "fiscally responsible."

Here's the skinny from Heritage:

All of the major news outlets are reporting that the stimulus bill voted out of conference committee last night has a meager $789 billion price tag. This number is pure fantasy. No one believes that the increased funding for programs the left loves like Head Start, Medicaid, COBRA, and the Earned Income Tax Credit is in anyway temporary. No Congress under control of the left will ever cut funding for these programs.

So how did Heritage come up with $3.27 trillion? The Congressional Budget Office estimated the impact of permanently extending the 20 most popular provisions of the stimulus bill bailout boondoggle.

The true 10 year cost of the stimulus bill $2.527 trillion in spending with another $744 billion cost in debt servicing.

The total bill for Obama's truly bloated bailout boondoggle is $3.27 trillion. Staggering amount, isn't it? Where do you think they will get this? Obviously from the taxpayers.

Is it Really Expensive to Put up Call Centers in the Philippines?

Tue, 28 Jul 2009 05:14:00 GMT2009-07-28T05:14:00Z

Over the last year the cost to operate in the Philippines has gone up about 30% mostly because of the staff are requesting more pay, because the quality of employees in the Philippines is getting allot better in both sales and customer service. There are some call centers in the Philippines that are offering very low rates, but at the end of the day you are not going to get some one working for you that you are going to be happy with, like the cost for the higher level staff are not going to take the low wages that these call centers are asking for.

The quality of the agents here in Philippines compared to all other countries is much better, because of the influence of America over the last 100 years, the agents that are requesting more money is because they don’t have an accent, unlike some of the other agents other call centers are offering at packages like 700 or 900 dollars a month.

Two things that most companies are looking at when they are looking for a Philippines call center is the quality and price which one is more important to you?

I’m not talking about prices like $20 or even $12 dollars an hour, much lower than that compared to allot of the lager companies requesting that amount, and not even talking about the advances or the deposits.

One of the most important things when you are doing outsourcing, is making sure that the agents that are working for you have a good American accent and they understand what your customers are asking when they have a question.

You get what you pay for, Or if you do decide to work with a call center in the Philippines that has a very low rate then at least make sure you can pick your agent before they start.

The Life of a Call Center Agent

Tue, 28 Jul 2009 05:02:00 GMT2009-07-28T05:02:00Z


Working in a call center firm is very decisive much more to those operators. On the part of workers like me and anybody else we know that this is not a lifetime career for us but because of the sudden job popularity, people here are encouraged to work instead of working outside boarder. On the other hand, for those operators who are investing time, effort and patience to run a business like this, they need to provide everything to keep it effective, sensible and profitable of course.

More often than usual, call center contribute or supply larger amount of employment almost every quarter of the year. The main reason why entrepreneurs chose to outsource here in the Philippines, because both big and small business centers are into job seekers for the reason that employment here is somewhat available. Filipinos wants to broaden their skills and knowledge and that could only mean that we can do multi tasking job.

Call Center life here in the Philippines is measured as the practical work these days. When it comes to accessibility, Filipinos are highly capable because of being flexible. There are people working even part time for this kind of job while studying. Reasons why foreign countries want to outsource here because they believed on the talents , intelligence and lifestyles of some Asian countries especially here in the Philippines.

Everyday you will see numbers of applicants here in Ortigas looking for job, job that could possibly give them wondrous experiences. The moment you get into this kind of work you will see for yourself the different changes that could happen. Late at night hangouts, taking advantage of spiffs and commissions, new colleagues, and interesting working environment are some of those changes. For people spend their time to this kind of profession, some find it motivating for them for their personal growth.

The Obama's Way: Bailout Plan

Tue, 28 Jul 2009 04:46:00 GMT2009-07-28T04:46:00Z


The Obama administration’s new plan to bail out the nation’s banks was fashioned after a spirited internal debate that pitted the Treasury secretary, Timothy F. Geithner, against some of the president’s top political hands.

In the end, Mr. Geithner largely prevailed in opposing tougher conditions on financial institutions that were sought by presidential aides, including David Axelrod, a senior adviser to the president, according to administration and Congressional officials.

On Monday evening, new details emerged after lawmakers were briefed on the plan.

It intends to call for the creation of a joint Treasury and Federal Reserve program, at an initial cost of $250 billion to $500 billion, to encourage investors to acquire soured mortgage-related assets from banks.