The Federal Trade Commission has finalized a policy statement clarifying that the agency will not

The Federal Trade Commission has finalized a policy statement clarifying that the agency will not take enforcement action under the Fair Debt Collection Practices Act (FDCPA) or the FTC Act against companies that are attempting to collect the debts of deceased consumers, if the companies communicate with someone who is authorized to pay debts from the estate of the deceased.

The policy statement also emphasizes that debt collectors may not mislead relatives to believe that they are personally liable for a deceased consumer’s debts, or use other deceptive or abusive tactics. Family members typically are not obligated to pay the debts of a deceased relative from their own assets. The FDCPA limits whom debt collectors may contact after a loved one has died to people such as the deceased person’s spouse and the executor or administrator of the deceased person’s estate.

Since the FDCPA was enacted in 1977, state probate laws have changed, and now, less formal procedures often govern the appointment or selection of those who are responsible for the disposition of the estate. In many instances, there may be no formal executor or administrator of an estate. In the enforcement policy statement issued today, the Commission seeks to reconcile the FDCPA’s requirements with current trends in state probate law.

In keeping with the FTC’s October 2010 proposed policy statement the final policy statement specifies that the agency will not take law enforcement action under the FDCPA if a debt collector communicates about a deceased person’s debts with that person’s spouse, the executor or administrator of the deceased person’s estate, or anyone else who is authorized to pay the debts from assets in the estate. The final policy statement also: Describes how debt collectors may communicate with family members and others to locate someone who is authorized to pay the deceased person’s debts from the estate, and specifies that collectors may not mislead individuals into believing that they have the authority to pay the decedent’s debts when they do not. Specifies that, in seeking to locate someone who is authorized to pay the deceased person’s debts from the estate, collectors may not reveal or refer to the debts, but may say they wish to discuss payment of the deceased person’s bills. States that in keeping with the FDCPA’s prohibition on unfair, deceptive, or abusive collection practices, debt collectors may not contact family members and others at unusual or inconvenient times or places. Emphasizes that, in communicating with someone who is authorized to pay the debts from assets of the deceased person’s estate, collectors must avoid creating the misleading impression that the individual is personally liable or could be required to pay using his or her own assets, or assets held jointly with the deceased person.

Atlanta Ga Business Franchise Consultant Knows Comfort Keepers Franchise

Senior care franchise associates Biz Advisors Inc, as an Atlanta GA franchise consultant suggest the Comfort Keepers franchise.

Exploring the Range of Home Care Services

Senior citizens today have more home care services to choose from than ever before. And more than ever, seniors are opting to continue living at home for as long as possible, even when they need medical assistance.

Home care services have increased in popularity as a senior care option to assisted living facilities and nursing homes, even as quality of facility-provided care continues to improve.

The reasons for home care services growth include:

* Americas 65+ population is growing faster than ever (expected to double to more than 70 million by 2030, accounting for one of every five Americans)

* Much of the senior population growth is being fueled by the baby boom generation, which is entering retirement. Todays seniors, who are more active and living longer than previous generations, prefer to continue living independently at home for as long as possible

* Medical advancements make it possible for in-home care of chronic health conditions, which have become more prevalent due to the aging population

* Home care has become more accepted by physicians

* There is a movement toward more cost-effective health care options, such as in-home care

Studies show that even after they begin needing assistance with the activities of daily living or ongoing health care, seniors prefer to age in the comfort of their own home. In fact, the U.S. Department of Health and Human Services reports that more than two-thirds of older Americans who already need daily assistance are now living at home. This includes more than 70 percent of persons with Alzheimers disease.

In-home senior care agencies offer a wide variety of services that clients can select as needed. The services can be tailored to provide whatever amount of help a senior need to perform the activities of daily living. Services include:

*Companionship and care services, such as meal planning and preparation, light housekeeping, conversation and companionship, medication reminders, transportation, grocery shopping, laundry, and recreational activities

*Personal care services, such as bathing, help with mobility, incontinence care, toileting, feeding, and special diet preparation

*Technology services, such as monitoring, emergency response and medication management systems to provide security and care for seniors when professional or family caregivers are not present

Many seniors needing in-home care have chronic medical conditions that require regular management, so medical home care agencies can work in conjunction with non-medical in-home senior care providers to meet a seniors complete needs.

In-home elder care providers, such as Comfort Keepers, also serve todays more active seniors, helping them maintain connections with friends, as well as community organizations and hobbies that continue to give them satisfaction.

Atlanta GA franchise consultant Biz Advisors Inc sells the Senior care franchise, Comfort Keepers franchise.

Franchise Opportunities In India

Franchised operations in India are increasing by the day. Being geographically vast and culturally diverse, India offers the most favorable franchising environment. While companies benefit by having many profit making outlets in different parts of the country, franchisees in India benefit by being able to generate good returns with little investment and risk involved. Entrepreneurs are making the most of India’s franchising market and growing economy by becoming successful franchisees. Indian franchisees can now choose from a plethora of international as well as domestic franchising companies. There are numerous attractive franchising options available in various sectors.

Ever since the franchising boom in the nineties, there have been many success stories. Franchisees in India helped many businesses grow and establish, while also gaining immensely from their business ventures. Examples of international franchises that have been successful in India include food and beverages giants such as Subway, Mc Donald’s and Kentucky Fried Chicken among others. Indian companies that have benefited from franchising include names such as Barista, MRF, NIIT and Apollo hospitals among others. It’s not just the bigger companies; smaller international and domestic companies also look for franchisees in India. The capital required for such ventures would be smaller when compared to highly reputed companies. The downside however, is that the risks are more, since you cannot ride on the popularity wave generated by the reputed companies.

Depending on your choice of business, you can either work from home or from an outside location. The initial capital you may require to start a franchising venture will depend on the type of business and the franchisor’s requirements. Most home-based franchise options are suited for work-at-home women. Cosmetics, healthcare products, services, home business household products and e-commerce ventures, make for convenient yet rewarding franchising options. Franchisors provide training and support and your business can gain from the image and professionalism of the franchising company.

Franchising allows entrepreneurs to have their own business, without many of the risks associated with a start-up business. Franchising also offers you great income and a flexible work style. But, as a potential franchise purchaser, you need to carefully consider the finances and risks associated, prior to starting your business. Read Franchise Plus to learn about the benefits, profits and risks associated with franchising in India. We help you make an informed franchising decision for a successful franchising venture in India.

What is USDA Organic and Trade Certified Coffee Nevada

What is USDA Organic and Trade Certified Coffee

USDA Organic coffee does not feature chemical compounds that are artificial. This is due to the fact that several of those compounds that turn up in non-organic coffee feature specific types of herbicides and chemicals.

USDA Organic Coffee

Certifying coffee as natural requires the farm the coffee was fed at is a completely natural farm. Prior to coffee can officially be labeled natural, a USDA agent have to examine the website where the coffee was produced. There are national requirements that the coffee has to meet long before being thought about natural. The national requirements state that the coffee ought to be expanded on a ranch that asks farmers not to make use of chemicals on their crops within the last 3 years. Exceptions are often made to this criterion and there is no assurance that any coffee labeled USDA Organic is completely devoid of residue from chemicals.

Sorts of natural fertilizer that are often utilized to grow coffee grains feature general garden compost, chicken manure, bocachi, and coffee pulps. If it is identified coffee grains were expanded using phosphate or man-made nitrogen the USDA will certainly rule out them to be natural.

After coffee grains have actually been decided on, the Organic Food Manufacturing Act oversees the production of the coffee and manages the chemicals that can be utilized to create it. These policies are not always complied with. The Organic Standards Board of the United States has stated that identifying coffee as natural does deficient any healthier compared to coffee that is not thought about natural. Profession Certified Coffee

Profession Certified Coffee is coffee that sustains the tip of families that run farms having better lives. This is accomplished by charging customers fair rates for coffee. It likewise includes the advancement of farming neighborhoods and supporting stewardships of an ecological nature. A balance of trade farmer is one that operates directly with the business that give items to supermarket, restaurants and coffee shops across the country. These are often international customers that can assist farmers obtain their coffee into stores all around the world.

As a result of the fact that farmers grow grains to create profession accredited coffee, they can better assist their families and spend for the university educations of their children. They likewise assist to make international professions more popular and more effective for farmers near and far and also safeguard the setting by keeping the world’s sources and dramatically reducing environmental pollution.

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Cashing In With A Holiday Franchise

If you’re interested in investing in holiday franchises, then you will want to read this article. In this article we will discuss what makes holiday franchises successful, and what to look for before investing in a holiday franchise opportunity. After reading this article you should be able to assess whether or not a holiday franchise is right for you, and if so which one would be a good investment.

Every business has a time of year where it is more profitable than any other time. Most good holiday franchises peak out during a specific holiday like Halloween, Valentine’s Day or Christmas. However, most successful holiday franchises are able to sustain business throughout the rest of the year or Elise break even with costs, or can operate profitably only a few times a year, and then close down for the rest of the season.

Secondly, they can work in reverse. Some businesses that are very successful overall, are even more successful during the holidays. Look at UPS — it’s not specific to holidays, but during holidays when everybody’s buying gifts for loved ones across the country, they will need a way to deliver those packages. This is what makes the UPS franchise such a great holiday business. Things to consider when looking for holiday franchises is to think outside of the box.

If you’re stuck for ideas on different holiday franchises to look at, think about what businesses complement different holidays. For example, Ms. Fields cookies are perfect for Christmas, because Santa Claus is known to eat cookies. Not only that, people like to buy cookies for gifts for Christmas. If there’s a certain holiday you’d love to have a business franchise revolve around, think of all the complementary goods that are related to the holiday. Make a list, and then analyze different franchise opportunities which coincides with that list.

I recommend looking at Holiday Franchises as a way to add to your franchising portfolio, not for someone that is just getting started. While these franchises can give you so much success in the holiday months that is makes up for the lack of profit during the off-season, it can very risk to put all your faith in just a couple of months. For example, what if one Christmas season there was a shipping scare due to terrorism? You as the franchisor could of just lost tens, possible hundreds of thousands of dollars due to the lack of faith in the shipping industry.

Finally, a holiday franchises is just like any other franchise. It needs to have a proven track record, a profitable business model, and the demographics in your area you to coincide with the demand for the franchise. Do your homework, and make sure you get a franchise lawyer to analyze the franchise agreement.

In conclusion, follow the advice given in this article and you should be well on your way to finding the right holiday franchise that fits your needs perfectly.

Steps to a Profitable Forex trade

Trading is sometimes thought to be simple process of buying and selling by a layman. Trading involves many technical aspects that have to be taken into account lest one will end up loosing money and in the end cursing trading.

Training and attention are the key to a successful forex trade. One needs to be very specific about the strategy that has to be implemented while trading forex.

The first and foremost is the Market Trend which has to be observed very keenly. One needs to know the nuances and keep a tab on the trends and the upheavals that the currencies will be experiencing in the near future. Market trends can go up or down or may go sideways. In 90% situations the trends in the forex market go sideways thus a forex trader should always be ready for it and a range bound strategy would be the most ideal to apply in a currency pair. Range bound strategies work both in sideways and trending markets.

An entry strategy has to be in place at all costs and should be clearly defined and followed by the forex trader. This ensures the entry of the forex trader in the market is based on a set of fixed rules which will surely go along way in the profit making endeavor.

On the lines of the entry strategy there has to be a exit strategy in place. This is the point where a forex trader gets paid for all the efforts and the investments he has made in the forex market. You can’t afford to make a mistake over here. A fixed profit objective of 10 to 30 pips is a reasonable profit objective when the average price move of a currency pair is 30-50 pips, that is the goal of the forex trading strategies used in Thinslice Trading.

By following these tips and being alert and attentive in the forex market one is sure to benefit from this trade and take it a long term career prospective to be followed in the long run. Without a strategy and proper planning no trade in this world can fetch you the profits.

Want to swell your coffers in less time and want to know more about forex trading and online forex along with online forex brokers feel free to visit us at :

Prerequisites Of Taking Up A Preschool Franchise

Preschools in India are a massive growth sector, full of opportunity, for you and for the wider community. Eurokids India is the number one franchise opportunity in preschools in India and was ranked number four in the annual India Franchise Ranking 2010, so if you want to start a franchise, you want to start a Eurokids franchise.

Obviously, with such a prestigious reputation, and with the crucial care and developmental role of our countrys next generation as our primary focus, our prerequisites for granting a preschool franchise are extremely high. We cannot let the quality slip, for our good name, but especially for the children. Only the best will do, as you can understand.

The most important prerequisite for getting a franchise for a Eurokids India preschool is you need to have a total commitment to help carry forward our ambition of making learning a fun experience for kids. You have to have a passion for early child education and a love of children. There is no point in getting into this industry if you do not have a pastoral love for children and desire to fulfil their education needs.

To start with, you will need to own or rent a space of at least 1500 square feet in a quiet, tranquil and peaceful location. It must be on the ground floor and have an open area adjacent that can be used as an outdoor play area. It must also have independent access, attached toilet facilities and needs to be well ventilated.

You must have between INR 5 10 Lakh minimum, which should be spent on ambience and equipment cost need to start. This will depend on the location of the preschool and the alterations needed to fit it out.

Once you have been accepted as a franchise holder you will undergo an extensive training program that will teach you how to successfully operate a preschool. You and your staff members will also receive ongoing training for the Eurokids curriculum and delivery method.

If you have all this then dont hesitate to give Eurokids India a call today. Together we can educate the next generation.

Subway Franchise Review – One Footlong At A Time

The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.

Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There’s a ton of things you should consider when making this big of a choice, so let’s identify what the positives and negatives are.

First of all, the total cost of entry and the total investment to get started ranges anywhere from $101,000 to $285,000. The reason for the big discrepancy depends on whether you’re buying an existing franchise or you’re having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that’s required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.

Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you’re profitable. On the other hand, in exchange for the royalties the franchisee’s are rewarded with a strong brand recognition and national advertising campaigns.

As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?

On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.

Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you’ll probably have to own about 10 or more.

Use Furniture Trade Shows Effectively For Improving Your Office Furniture Sales

Office furniture trade shows are of considerable value to office furniture manufacturers, distributors, and dealers. They allow them to successfully advertise their office furniture products to their target customers and to inspire, motivate, and persuade them to buy from them.

However, like all marketing techniques, this one too requires adequate planning and a thought out approach if it is to yield the desired business results. If you are keen to participate in office furniture trade shows and exhibitions to improve your office furniture sale, you must first carry out extensive research about the various trade shows and exhibitions that are going to place in your city/region, as well as those in other parts of the world.

Find out complete details about the office furniture trade shows in the currect year, including the number of visitors and exhibitors that are expected , the number that were present the last year, who were the major industry players that attended the exhibition, what were the key highlights of the exhibition then and now.

To improve your office furniture sales, you must choose to participate in those trade shows and exhibitions which are especially popular and which attract a large number of exhibitors and visitors. Such office furniture trade shows can give you amazing opportunities to market your office furniture products to a significantly large number of people. Improved market visibility means higher prospects for your office furniture sales.

If you want your office furniture sales to be successful , you must carefully plan those actions required for before, during, and after the show You can arrange to have some pamphlets, brochures, and flyers printed for distribution to the trade show visitors. Give them your business cards and take down the contact details of those who show interest in your office furniture. Contact them right after the trade show to influence them further to buy from you.

Decorating your office furniture trade show booth attractively, distributing promotional gift items, and offering special for-show only discounts and offers, are some other means that will help improve your office furniture sales during the office furniture trade shows.

However, if you want professional advice and consultancy for improving your office furniture sales, you can visit jsacs.com It is the website of one of the best office furniture consultancy firms in the UK for office furniture dealers, office furniture distributors, manufacturing companies, designers, and wholesalers who want to grow their office furniture business.

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar