There are many benefits of using electronic signature services and one of them is that, it reduces the time taken to fill and sign documents from for instance, hours to just a few minutes or less. This definitely enhances efficiency in business. Documents can be signed faster and acted upon thus improving on service delivery. This makes customers happy and increases workflow and cash flow.
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Secondly, the application of online document signing saves on resource-use as there is reduced use of paper, pen and ink. A company does not have to buy paper and ink. With this process, it can be carried out within an organization and also out of an organization for example, through an iPhone. Thirdly, the esignature process is simple as it requires one to have only an email and Internet connection. There is no need to create an account with the service provider. Documents are uploaded in PDF or word format. They can also be uploaded from web applications such as Google docs and FreshBooks. Fourthly, the e signature service is secure and confidential. Considering the threats of security witnessed on the Internet, clients want to be assured of secure document transit process. With this system, there is secure SSL data encryption by VeriSign and this ensures that clients’ documents and data in transit are protected. Moreover, online document signing service produces signatures, which looks just like pen and paper signature. A wet-looking signature is produced with the handwritten styles. For example, a signer can use a finger to sign a document. Last but not least, the service can be carried out through use of mobile devices such as iPhones, iPods, blackberry and Smartphone devices. This means that a signer can sign the documents whenever, and wherever. Therefore, if you are seeking for more innovative ways to have your documents filled and signed, an e signature service firm can offer you the most comprehensive and time saving digital document signing service.
Dubious high yield investment companies stealing billions of dollars from consumers every year in what appears to be a cold-blooded theft. Even the internet giants who should be shielding consumers from these malpractices are continuing to promote the sites. Search engines and electronic money transfer sites are some of the organizations who could help curb the menace but apparently, these sites continue supporting the perpetrators. Internet seems to be the most vulnerable environment for consumers with billions of dollars being stolen from consumers. I am not talking of the high-end classic theft such as phishing and cyber crimes but about dubious websites that are operating freely and undeterred. They are using business models that never work, and they promise internet users of getting rich fast. This never happens anyway, but why are the sites being allowed to continue operating yet they can be stopped. With so many complaints online, nothing seems to be happening yet consumers from all over the world are losing money? Who owns 2 dollar clicks site yet this site is supported by one of main electronic money transfers. And, what about Ad Click Xpress, which has changed its name multiple times yet it is soliciting for people to continue pumping their dollars into their program. Surely, who owns the internet and who controls it?
Wonga released a 28- minute film, which apparently did not feature its name, nor the puppets that are associated with its site and ads. Wonga seems to be sympathizing with its exploits that are in pain accusing the payday lender of reaping money from consumers who are regarded as financially unstable. The release of the movie comes at a time when Wonga is under pressure from the MPs accused it of imposing extra-hefty interest rates that are as high as 5,853%.
Whereas the movie may give the impression that consumers are happy with the payday lender, this might not be the case. If those who feel they have been exploited by this lender could be featured in a similar movie, it would be tears of agony and bitterness. But, who is to blame for the pain caused by payday lender to consumers? Gary Tarn, the BAFTA-nominated filmmaker was granted a free rein to produce a film for Wonga without an editorial control by the lender. This would create the impression that the lender was not biased in the content of the film. The series featuring 12 portraits of Wonga customers talking of their passions has been cited as an expression for many who feel that these loans have helped them greatly but their voices have never been heard. All we hear is the tainted image and accusations of preying consumers of their hard-earned money by payday lenders but few seem to be excited about these lenders. The anguish and pain consumer are experiencing overwhelms the joy expressed in the 12 Portraits film footage. Whether it is a consolation gimmick or voice for the majority who have benefited and are happy about this lender, the feelings about payday lending are far from happiness.
Wonga is the most profitable payday lender in Britain, but its profitability may be resting on bitter feels. After all, much of the revenue generated by these cash advance service providers is derived from the fees and charges levied on consumers who rollover balances or take multiple loans. Payday loans are not intended for long-term financial solutions in the first place. Any payday company capitalizing on penalizing its consumers for failure to repay their first loan as agreed on the term has a hidden agenda. Payday loans should only be borrowed once and should be repaid after the given period of lending. However, lenders lure consumers to become repeat customers or rollover their balances, and this is where the problem starts. These lenders should discourage rolling over of balances or obtaining multiple loans within a given period because after all, the blame for preying consumers erodes their reputation and image. It might have been easy for Wonga to find 12 people who could speak, something passionately about the company, but what about the thousands of consumers struggling with heftily priced loans? Who would help them air out their voices?
The subject of payday lending is very sensitive, and although the lenders say, the loans are for emergencies, consumers need to be informed on what is important and what is urgent. Every other financial need might be important but not an emergency. Many consumers who borrow Wonga payday loans have misplaced priorities and misunderstanding of what the implication is. A payday loan should never be rolled over and multiple borrowing should never be entertained. These loans are too costly to bear whenever there are rollovers and multiple borrowing. Nevertheless, it cannot be assumed that these loans do not benefit consumers. A few people can attest to the fact that payday loans have helped them in a way they could never have been assisted . This should be praised and acknowledged but majority of borrowers are never happy with structure of the lending system and they feel reaped off their money. The 12 Portraits may just be another corporate video that is deemed to conceive the truth from the eyes. Unfortunately, even if people can see the joy in the hearts of those who passionately praise the work of Wonga, the film might not erase the ill feelings of thousands of consumers who in one way or another feel they have been exploited. Consumers should borrow wisely and understand that payday loans pose a real danger to their finances. Installment loans are the new form of payday loans, which seem to be growing fast but although they attract less interest rates, they are also highly priced. Wonga loans can only help you when you are in critical need of cash but not just another emergence.
What are Business risks? Business risks can be defined as the events or activities that when induced, they cause problems to the survival of a business entity. In the context of business organizations, risks can be categorized into internal and external risks. Internal risks manifest themselves within the business environment, and may include threats that undermine performance, safety, and security of employees at workplace. Such threats also trigger financial mismanagement, poor quality production, mechanical breakdowns of machines, and increased employee complaints. Externally, business risks may present themselves as financial market uncertainties, credit risks where the creditors fail to pay the owed amounts, and natural disasters that strike a business. The ways in which business risks are established vary from organizational culture, kind of the industry, and the business practices in place. Objective-based strategy Through objective-based strategy, risks can be established, and this seeks to evaluate the events and activities that jeopardize the process and efforts of achieving the goals and objectives of a business. For example, if the objective of the business is to increase its profitability, but the technological innovations cannot support this initiative, this is then viewed as a risk, and the management should work towards improving on the technological innovations as a mitigation measure.
Taxonomy-based approach A taxonomy-based approach may also be used to identify business risks. This means that possible risks sources are analyzed. Information on business risks can be sourced from the employees and the management, whereby, questionnaires are supplied and information gathered on the perceived risks that may manifests within a business or outside the business and result to inability to achieve the set goals and objectives. The employees offer information on potential risks, and this is tabulated by listing them down evaluating their probability to occur, and the severity of the effects they may pose. In the business set-up, there are usually lists of known risks that are perceived as a threat to business operations. For instance, fire, employees’ safety at work, theft, financial misappropriation, employees’ strikes, and under-performance are perceived as ideal business risks. Others may include unhealthy competition in the market, lack of resources to support the business, weak management team, natural disasters such as earthquakes and floods. All these may be common risks in a business set-up. Through the common-risk checking, these risks are analyzed, their probability to occur, and the severity of damage or impact they may bring to the business is also established. Source analysis approach The business risks may also be determined by source analysis whereby the source of the business risk is established. This means that if the source of the risk is poor management, then this mismanagement of the business is viewed as the risk. If the source of a business risk is poor financial management, then the financial mismanagement is regarded as the risk. In other forms, the risks can be identified by the problem. This is the problem analysis and it normally entails establishing the threats that confront the business organization. For example, the threat of losing competitive edge, recording reduced profitability, losing loyal customers, or threat of the business burning down from fire or explosions. These threats are risks that can affect the continuity of the business. Scenario-based method The risks can also be identified through scenario-based method whereby any event or activity that induces an unjustifiable business position such as reduced profitability may be regarded as a risk. Other examples such as the activities that trigger complaints and cause conflicts of interests may also be cited as risks. Factors that hinder business from moving to particular region may be viewed as risks. For instance, the unstable political climate and government autocracy and bureaucracy in registering businesses may be the risks.
Ad Click Xpress is one among the surviving Scam sites on the internet. If you are an internet user whether a seasoned marketer, a publisher, or just another fellow looking for ways to earn online, then you need to realize that the road to success is not easy. I have learned from experience and would like to strongly warn people who are desperately searching for ways to earn online to refrain from sites like Ad Click Xpress. I am deeply touched and very much concerned how people are losing money including myself who has years of experience working online.
I must attest that the internet lacks a comprehensive regulation and international jurisdiction that can work around to protect internet users from the merciless acts of thieves and robbers who continue to reap from where they haven’t sown. In this article, I will feature a site that is not new to many. This is Ad Click Xpress, and if you have been following the happenings of Profit Clicking, you clearly understand what I mean. Ad Click Xpress was born after the collapse of Profit Clicking early this year. Profit Clicking was born after the collapse of Just Been Paid, and the list of evolution goes on. What has been happening is that this is the same website or dubious business that has been rebranding itself. If you understand business law, when a business rebrands, it is technically very difficult to pursue any legal means to address issues with the company. Now, the problem is that these Internet thieves are scamming people, and continue to flourish and trap unsuspecting Internet users with very enticing advertisement and emails. If you look at the complaints posted on the internet, they are many but when you go to the website of Ad Click Xpress, what you find is a collection of very inspiring testimonials from some people who might have benefited or are paid to give such testimonies. Why don’t we see the negative complaints being posted on the testimonials page? Simply this cannot happen. If websites like Zeekler Rewards collapse, there is no way sites like Ad Click Xpress will survive. It is just a matter of time before you lose your hard-earned money the cruel way. My friends, I am appealing and pleading with you to you keep off from all those ad clicking sites before you regret for the rest of your time. If you have already registered, don’t waste your time because these businesses do not have any model of successful operation. In fact, they are “Ponzi schemes” that benefits a handful of people while millions lose their dollars. What people fail to understand is that these sites are crowded with millions of users who are willing to risk a few dollars. Many of them start with about 10 or 20 dollars because they fear they will lose their money, which anyway happens at the end. If you consider that there are millions of users, when you multiply those numbers by about 20 dollars, you get thousands of dollars being swindled from willing users. The reason why I term the users of these sites as “willing users” is because they know they are risking their money on platforms that do not work. Did you know that the owners of these sites depend on the traffic or the users who register with their sites? The more users they have, the more traffic they get. Now, this traffic is what is called “useless traffic”. Well I perceive this as “Useless traffic” because these are users who are not registering to seek for products and services. So when you ask them to click on sites, you only hope that they will find something interesting to buy products or register to other website. This does not happen because all these users are here to make money from something they do not understand, and which does not exist in the first place. Therefore, the owners of the sites are dwelling on the wrong traffic. This is why all these site fail before they disappear with people’s money. The publishers who advertise on these sites fall under the same category of dubious sites. About 90 percent of all websites advertised through sites like the Ad Click Xpress are themselves dubious. They are also seeking for ways to con people. This is why you find sites like 2 Dollar Clicks and other Ad Clicking websites featured here. You will also find systems that claim to make thousands of dollars being advertised at Ad Click Xpress, and which never work, at all. So what is the point here? If you have registered with Ad Click Xpress, it is time you quit and stop your engagement with this site. You can remember how Profit Clicking used to say…. “A million dollars for anyone who can prove that this system is unsustainable” So who can protect consumers from these websites? Apparently, scammers are existing on the internet, and they continue to thrive yet nothing is happening. The internet community is giving a blind eye to this kind of carnage yet there is something that can be done. First, Search Engines should not display all sites that have been blacklisted as scams. Those sites should be banned from search engines completely. Secondly, all electronic money transfer companies doing business with these scamming website should be put at task to explain why they are doing that, and be compelled to immediately close the accounts and members receive their refunds. I would like to give a big applause to PayPal which has shown exceptional commitment in barring such scam businesses. All electronic money transfer business should refrain from engaging in business with these scam sites. I am raising an alarm to the internet community, and it is time the world works as one community and put an end to this carnage. Internet theft is becoming a threat that has deadly repercussions to economies that terrorism. Why are the world’s leading economies or countries keeping quiet of a risk that could destroy their economies? If you have any website that has swindled your money, kindly blacklist it on this page. I want the world and particularly internet users to see how internet scam sites continue to thrive and flourish while they steal money from the poor and hopeless. If you want to learn more about Ad Click Xpress scams and complaints, just type this query Ad Click Xpress scams, and you will find many complaints put forward by people who have lost money through this site.
Kenya remains strong, as the military forces battle a group of al-Shabab militia who have taken Kenyans and other nationalities hostage inside Westgate shopping Mall in Nairobi. The official death toll released by the government stands at 62 as at the afternoon Monday 23rd September, two days after the siege of the mall began on Saturday 21st September around 11 am.
This attack appears to have been well-plotted and contrary to what was thought; most of the attackers come from different countries. Since Kenya deployed troops to Somalia in 2011, al-Shabab has been pushing for withdrawal of the troops. Kenya has since suffered a series of grenade attacks in Nairobi, Mombasa, and Garissa however, the latest attack of Westgate mall seems to have been the most dangerous. A group of al-Shabab militia numbering about 10 to 15 stormed the building and started spraying bullets on people before taking others hostage. Close to over 1000 people have been restored with scores injured and rushed to different hospitals including MP Shah Hospital, Nairobi Hospital, Kenya National Hospital, Aga Khan, and Guru Nanak hospital. Over 175 people have been reported injured. The situation is delicate and extremely tense as people wait to get the full horror of this beastly attack. Journalist have been barred from coming closer to the building because of the nature of the attack. It is too risky for journalists to move closer and are only reporting some distance from the mall.
Rescue operations conducted by the Kenya Defense Forces has so far been very successful and the Red Cross has shown its resilience in helping victims of the attack. There has been a fierce battle on Monday afternoon 23rd with gunshots and explosions being hard repeatedly from the mall. The terrorist are believed to have set a section of the mall on fire to create distortion of the assault.
However, the Kenya Defense Forces have been fiercely engaging the terrorists and have taken control of most of the floors of the building. Among those who lost their lives in this attack are Kenya nationals, Indian nationals, French, South Africans, Canadians, Australians, Britons, and Chinese. The Westgate Mall is a prestigious shopping facility located at Westlands in Nairobi, and is frequented by visitors of different nationalities. It is believed that Westgate was targeted because it is frequented by many people of all nationalities. Two of the attackers are believed to have been killed in the assault by the Kenya military forces. As the rescue operations continue, Kenyans are urged to remain calm and resilient, and do their business cautiously.
The Kenya government has consistently said that there is no need for travel adversaries to be issued by other nations as the situation has been contained. The war against terror is a global war and countries must join their hand to fight these terrorists relentlessly. The terrorists seems to be changing their tactics and shifting to holding of people hostage after the series of hostages in Pakistani and India.
Journalists have been asked to be cautious when reporting the development of the attack because the militia could be monitoring the media. The group that claimed responsibility for this attack has been said to have previously recruited Americans in their militia group. This shows the dimension the Al-Qaeda affiliated group Al-Shabab was taking in recruiting young people to join their network.
US officials estimate that dozens of Americans have traveled to Somalia over the last six years where they have joined the Al-Shabab militia group. Kenyans have donated blood to help the victims and this has shown their solidarity in coping with the attack. The Westgate attack Nairobi has left the City in Shock but Kenyans are more united and strong despite the beastly attack. The Kenya Defense Force has said that it planning to end the siege soon. Security has been heightened around the country and in national borders and other towns.
Insurance cover is all but a requirement for those who own and drive cars and therefore, forms part of a regular expense for the people. Auto insurance can stretch your finances. Nevertheless, it is so essential because it saves you money when you find yourself or your car involved in an accident. The best thing to do is to leverage all ways, in which you can keep the insurance premiums low and there are certainly many of them. You can quote reasonably higher deductibles, observe safe driving ethics, and these coupled with Auto Home Insurance discounts, could significantly reduce your overall auto insurance cost. Car insurance discounts are many and may vary from one insurance company to another. You can carry out a research on every insurance company to find out its range of car insurance discounts. Meanwhile, you can also consult an insurance agency firm that deals with different insurance companies and will perhaps offer you more information on the various discounts out there, which auto home insurance coverage buyers can take advantage of.
All the same, there are common auto coverage discounts that are offered by most insurance companies and include;
Safe driver discount: If you have maintained safe driving and you have not been involved in any major accident for several years, an insurance company will reward you with low premiums.
Good student discount: Apparently, if you obtain good grades in college, this can help you get insurance discounts from auto insurance firms. This is based on the assumption that you are a responsible person and can maintain good driving ethics. This discount can extend for many years saving you significantly on your Auto Home Insurance cost.
Multiple policy discount: When you combine your insurance coverage such as auto, medical, and home insurance into one policy coverage, you get rewarded by insurance company for giving it more business.
Retirement discount: When you are old you spend less time driving and this reduces your insurance coverage premiums.
Defensive driving discount: Those people who have undertaken defensive driving course can enjoy reduced premiums. This is because they are more aware of the traffic laws and observe safe driving.
Vehicle safety discounts: If your car is installed with anti-theft alarm system, anti-lock brakes, airbags and other safety features, insurance companies will offer you reduced premiums.
When all's said and done, the most important aspect that will help you maintain low costs in your car home insurance is safe driving. If you or your car is frequently involved in accidents, this can impact adversely on your insurance coverage premiums.
