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With loan terms being extended and monthly car notes increasing, many already overextended consumers are falling deeper into debt--almost $2 trillion in outstanding consumer debt to be exact. Auto loans rank second only to a homeowner's mortgage and an apartment renter's credit card bills, according to Federal Reserve data. Although the number of new vehicle delinquencies decreased to 1.58% in 2003 according to the Consumer Bankers Association's 2003 Automobile Finance Study, fall behind in your car payments and the possibility of a visit from a repo man becomes reality.

When Renee Taylor (not her real name) of Fayetteville, North Carolina, and her husband were shopping for a home 10 years ago, a mortgage officer at the now-defunct Home Federal Savings & Loan Bank suggested Taylor voluntarily give up her 1985 Nissan Sentra to lower her debt-to-income ratio. Making only $18,000 at the time, Taylor complied. "Although the bank was able to recoup the full value remaining on the car when it resold it, there was no distinction between me handing back the ear on my own accord and them repossessing it," she says.

That's because whether you voluntarily return your car to the lender or it is repossessed, you are responsible for the lender's loss on the car and any fees covering that loss. Once repossessed, your car can be sold at an auction, for an amount that does not cover the balance of the loan. In that case, you must pay the difference between what the lender gets after selling the car and the amount owed on your contract, also known as the "deficiency."

The creditor may then file a lawsuit, obtain a deficiency judgment, and try to recoup the difference by acquiring your other assets, such as bank accounts, and may even garnish your wages. Although credit reporting agencies differentiate between voluntary and involuntary repossessions on their reports, it won't make a difference when you apply for new credit. The repossession stays on your report, for seven years.

"Business is definitely on the increase despite what people are saying about the economy. We stay pretty busy," says Ernest Sambrano, operations director for Global Recovery, a collateral repossession and bail enforcer company based in Phoenix. "We work 24 hours, seven days a week, 365 days of the year," adds Sambrano, who has as many as 40 agents working on a daily basis.

In as little as 60 seconds, gun-toting recovery agents--aware of the possibility of an argument, physical violence, or, in a rare situation, death--can use a hydraulic-lift system equipped with surveillance cameras to remove a car from your driveway without ever leaving their vehicle. This method is said to decrease the risk of confrontation.

In many states, the lender can repossess your car without as much as a telephone call or written notice if you fall behind on one monthly payment. The repossession company can hot-wire your car and drive it away from any location, as long as it doesn't illegally enter your locked garage or physically threaten you.

You may be entitled to buy back the vehicle if you pay the full amount owed plus any expenses connected with its repossession, such as storage and preparation for sale. If you don't have the full amount, the law in some states allows you to reinstate your contract and reclaim your car by paying the outstanding amount you owe, as well as repossession and related expenses such as attorney fees. If you reclaim your car, you must meet the terms of your reinstated or renegotiated contract.

For more tips, contact the Federal Trade Commission (; 877-382-4357) and log on to the Consumer Action Website www.pueblo


1 Communicate with your lender if you think you will be late with a payment. But do so before the payment is due to maintain the most leverage. Typically, lenders are willing to work with you.

2 Assess whether your inability to pay your car note is temporary or long term. If it's temporary, work out a short-term solution with the lender, like adding the missed payment to the end of the loan term or deferring note over three months.

3 Negotiate for some time if your inability to pay is long term. Then try to sell the car yourself and use the proceeds to pay off your car loan. Keep in mind, the lender has to release the title in order for you to transfer ownership.

4 Arrange to pay some of the note for a period of time or ask for a deferment of the note. If you reach an agreement to modify your original contract, get any revised schedule of payments in writing.
Admin · 60 vistas · Escribir un comentario
19 Feb. 2017
Test automation is often seen as a way to reduce the costs of testing, increase test coverage and effectiveness, and shorten testing cycles. In fact many software organizations consider automation as a vital step in establishing a mature QA program and it certainly has a lot of value if it can be effectively leveraged. However, it can never eliminate the manual testing, which is crucial for thorough testing of software applications, completely.

Automated testing involves higher upfront costs and should be looked at as a long-term investment where the pay-offs come anywhere between 2-4 years down the road. One has to keep in mind that there are various intangible benefits associated with automation. Performing a return on investment (ROI) for your planned automation can however help you understand right at the beginning the actual returns that you will get from your investments and you can weigh those against the benefits you will gain from automation. An ROI analysis will not only help you determine the various elements associated in calculating the ROI and the approximate cost and benefit involved but it can also help you decide on the types of automation you want, the areas that you can potentially automate, the tools and the skill levels of the testing resources that will be required.


Quite often, automation is considered a transition from manual testing. As such the cost benefits from automation can be viewed as trade-offs in comparison to manual testing. However, the comparison here is more of looking at the investment and see in a long run how it pays-off. This should persuade your decision towards automation transition.

The key parameters to be considered while initializing the ROI exercise are:

Automate the entire QA system rather than building scripts to test the product

Understand the focus of automation with respect to reducing testing cycle time, maximizing test coverage, reaching the market faster, cost benefits, etc.

Estimate the existing test suite with respect to effort and cost

Assess test automation tools

Understand the product and its technology road map

Test Automation Framework design

While these parameters can aid in doing an initial analysis and determine the high level ROI, the results obtained can be used to delve into the details of calculating the real ROI.


An ROI calculator is the one which helps you understand the possible returns on your Test Automation Investment. Hence, before you decide on this strategic investment, it is vital to know the cost and effort savings that your automation effort can offer.

An ideal approach in calculating the ROI entails analyzing the effort and cost involved in Automation, based on the background information (existing manual testing details) that you provided as input. The practical steps that are involved in the transition process from manual to automation are shown in the block diagram below:

Based on your input, the calculator derives both manual and test automation testing parameters that are the only basis for calculating the ROI.


For a successful ROI computation, you need to have the existing test parameters of the product under test:

Age of the product

Releases planned for a year

Required regression cycle per year

Number of existing regression test cases

Number of configurations to be tested

Cost of the testing resources

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Infrastructure cost

Apart from the above background information, the following parameters are needed to be focused on:

Test automation tool cost

Percentage of test cases that can be considered for automation

Time required for building reusable components, automation frameworks and batch scripts

Hourly cost per test automation resource


The transition from manual to automated testing has a significant impact on the Test Automation ROI. It is an established fact that Automation involves higher upfront costs, but the optimal usage of this initial cost is very crucial in deciding the returns. The transition process must be a step by step process and has to be done by experts. The first step towards automation is to scope the automation requirements, analyze the technical feasibility for automation and identify an appropriate tool for automation. This will help you to estimate the required effort and cost for test automation investment.

When the estimation is being done, it is vital to consider the effort required for designing test automation framework, which will help you to use reusable components through out the automation and thus helps in reducing the script development time. These factors will help you to come up with a right estimation and you will be in a position to look at the real benefits of automation.

It is always worthwhile to understand and analyze the need for automation, analyze the product test requirements and the existing regression test suite, identify the right test automation tool and then estimate the timeframe required to design and automate the entire testing. This exercise would benefit in finding your potential automation ROI before investing in it.

A higher ROI will also come through with the following factors:

Matured testing process

Maximized test coverage which will assure the quality of the deliverables consistently

Elimination of the risk of over sight of quality in repeated tests

Faster Execution of the tests in multiple environments

More focus on new features

Enhanced product quality


Automation may not give you its benefits immediately. Moreover, you would need ample time to transition your QA efforts from Manual to Automation. Your Manual QA would also have to continue in its own pace in ensuring quality until the automated execution begins. This means though you invest in the first year, you will be able to see the cost benefits tentatively start only in say, the 3rd year. And this includes the additional cost required in the 1st and 2nd year.

After the breakeven of the investment in Automation at 3rd year, you would be getting higher ROI over the years. This is due to the reduced test execution cost and effort. The returns can still be maximized by having disciplined set of processes during the transition phase.


Automation is a strategic decision and an understanding on the potential ROI will help in the decision to invest in automation. It is highly recommended that you calculate your actual ROI and understand the factors that will influence and enhance your investment and get the best out of automation. While automation does help in reducing the costs of testing, increasing test coverage and effectiveness, and shortening testing cycles, it is not a silver bullet for all your testing problems and can never completely eliminate manual testing. It is but one means to ensure better quality software. You need to get the Test Automation right which can lead to a successful product in the market.

Aspire Systems has developed a Test Automation ROI Calculator with which you can determine a high level approximation of effort and cost.

It is available at

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18 Feb. 2017

How Do I Do Basic SEO Tactics (On Page And Off Page) To Improve My Internet Website Traffic?

 by: Mike Calmot

It has been heavily debated whether Search Engine Optimization (âEURoeSEOâEUR?) as regards internet marketing is really worth the effort. The paid alternative for those who can afford it, i.e. pay per click, can be very effective and bring in immediate results.

Mind you, get the latter wrong, and it can prove to be a very expensive mistake.

The truth is that if you want to develop a long term business and not just a website that will soon go down under, SEO, if done correctly, will ensure the longevity and prosperity of your online business by generating internet website traffic into the foreseeable future.

Although you may be thinking of using the latest new trick that will make your website rank high faster with the search engines, it takes quite a while to get even some insignificant results that translate into the internet website traffic. Any website that uses shortcuts to get in the top may very well sooner or later fail to pull any significant traffic because the major search engines constantly change the rules of the game. The best thing anyone can do to make sure they will always have good internet website traffic is to learn the basic principles of search engine optimization, which have been around from the outset.

So what exactly are these principles? You probably already know of them but as with everything, it is their detailed application that will get you the internet website traffic that you desire.

SEO Phoenix

When building a website you must have search engine optimization in mind. The first thing you should do is keyword research. After having your main keyword there are several things you must do to make sure your website is properly search engine optimized on-site. For example you have to be weary of the keyword density of your main keyword throughout your website pages.

Make sure it appears multiple times throughout the content but don't just spam it all over so that the content doesn't make sense anymore. A proper keyword density would be anywhere between 2 âEUR" 4%. There are also other things that you can do with your keywords, for example, place them in the titles on your website, at the end of the page, make them italic and insert them in the Header tag. Also, make sure you don't forget to place them also in the Meta tag (if you have a traditional website you may need a person who knows their way around html to implement this).

When you have finished your on-site optimization, you have to move on to off-site optimization. In order to have a lot of internet website traffic it is really important to get back links. Great back links are links coming from other high page ranking websites to your website. What this tells the search engine is that your website is popular and therefore most likely trustworthy.

There are many methods of getting back links to your website but not all are approved of by the search engines. Although the search engines will not know how you got your links, you have to make sure that you don't get many back links all of a sudden because it will not appear natural to the search engines and you may get penalized. But the most important factor you have to consider when doing this method is to make sure the links you are getting to your website are from websites that are similar to yours, that they have similar or complementary content and that they are ranked well by the search engines as well. Creating great content on your site always helps.

The last thing you could do for a proper search engine optimized page is to have images. Make sure that the images you put on your website are representative of your niche and name them with the keywords that fit. If you do this right, the search engines will probably display your pictures on the top of the search engine results when someone searches for one of your keywords. This ultimately means huge internet website traffic and therefore it is a step that you may not want to skip.

It makes sense to implement the above steps and hopefully enjoy everlasting popularity and growth for your website. Well I think so anyway!

Admin · 55 vistas · Escribir un comentario
18 Feb. 2017
I learned about coffee enemas when searching for a natural treatment for breast cancer. After careful consideration of all my options, including chemotherapy and radiation, I chose the Gerson Therapy, a natural treatment for cancer and other degenerative diseases.

At first I was hesitant about the use of coffee enemas as part buy medicine buy medicine online online of the therapy, but faced with a life threatening disease I was willing to try this strange sounding procedure. Much to my surprise I found it to be an easy and refreshing treatment that I actually enjoyed. I immediately felt lighter, happier and more limber.

Organic coffee is a powerful agent for detoxifying. When taken as an enema it purifies the liver and its stored negative emotions, like worry, anger and fear. It gives great relief for both body and mind while fighting cancer.

According to the Gerson Therapy, the caffeine in coffee administered as an enema detoxifies the liver. The coffee enema is retained for about 10 minutes. All of the body's blood passes through the liver every three minutes. As this vital fluid passes through the caffeinated liver, the blood serum is detoxified.

Coffee enemas flush toxic bile from the liver which further affects the body's enzymatic catalyst, known as glutathion S-transferase (GST). The GST is increased in quantity by 700 percent by a coffee enema--an excellent physiological effect, because the GST enzyme destroys free radicals.

Discovered by Dr. Max Gerson while serving as a medic in World War I, the coffee enema was found to relieve pain and accelerate healing in wounded soldiers. It later became a part of The Gerson Therapy, a natural regime he developed for healing cancer.

The coffee enema, combined with the Gerson Therapy diet of fresh organic juices, vegetarian foods and supplements, has proved to be an effective method for combatting breast cancer. Flooding the body with nutrition while eliminating toxins boosts the body's cancer fighting ability and allows it to heal naturally. Within just a few months, my tests confirmed that the cancer was in remission. Not only did I avoid the terrible side effects of chemotherapy and radiation, but I learned to take control of my health and rebuild my body to be strong and resilient. It's not easy to step out of the box of traditional cancer treatment and try an alternative therapy. It requires great strength, optimism and trust in the body's natural healing power.

Since undergoing the Gerson Therapy five years ago, I have been enjoying radiant health and strength. I still do coffee enemas a couple of times a month as a preventative measure and to keep my liver strong and healthy.

Friends often ask me if they can do coffee enemas for various health complaints, and the answer is yes! It's a great cleanse that will help improve digestion, complexion, allergies, immunity, arthritis, and many degenerative diseases. I have scribbled out the recipe for people many times on the back of a napkin or envelope. Now I have finally created a blog to share and discuss the procedure, recipe and benefits.

I also recommend that if you are seriously ill, contact the Gerson Institute and undergo the full treatment for your disease--whether as an alternative to conventional medicine, or as a supplement to help purify the system after chemotherapy.

As a breast cancer survivor, I encourage anyone faced with this disease to research their alternatives for natural treatment and not to overlook the healing wonders of the body--and of coffee enemas!

By: Marie Mechelle

Article Directory:

Marie Michelle is a breast cancer survivor who used coffee enemas and the Gerson Therapy for healing cancer. Her dedication to the treatment proved successful in regaining her health and resilience to disease. As an advocate of the healing benefits of coffee enemas, she presents useful information, instructions and the recipe on her blog:Coffee Enema Recipe, Gerson Institute

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14 Feb. 2017

WASHINGTON The Trump administration may no longer enforce a rule requiring individual Americans to carry health insurance or pay a penalty if they do not, a senior White House official said on Sunday

Speaking on ABC's "This Week" program, Kellyanne Conway, counselor to the president, said President Donald Trump "may stop enforcing the individual mandate."

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Separately, on CBS' "Face the Nation" show, she reiterated Republican promises that no one would lose their health insurance under Obamacare while a replacement is being developed.

"For the 20 million who rely upon the Affordable Care Act in some form, they will not be without coverage during this transition time," she said.

On Friday Trump signed an executive order concerning the 2010 healthcare law, urging U.S. agencies to "waive, defer, grant exemptions from, or delay the implementation" of provisions deemed to impose fiscal burdens on states, companies or individuals.

Healthcare experts had speculated that Trump could expand exemptions from the individual mandate.

Senate Majority Leader Mitch McConnell, speaking on "Fox News Sunday," reiterated Republican promises to replace Obamacare and allow patients to buy health insurance across state lines using health savings accounts.

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"We're going to move carefully in conjunction with the administration to repeal and replace it with things like health savings accounts and interstate health insurance sales and high-risk pools at the state level to take care of people who have pre-existing conditions." he said.

Last week Republican Representative Tom Price, Trump's nominee to lead the Department of Health and Human Services, told the Senate Committee on Health, Education, Labor and Pensions, that an overhaul of Obamacare will initially focus on individual health plans sold on online exchanges and the Medicaid health insurance program for low-income Americans.

He added that the revamp would not immediately tackle changes to Medicare, the federal health insurance program for those 65 and older and people with disabilities.

Trump has said he wants to keep some elements of Obamacare, such as allowing young adults to be covered under their parents' insurance. He is in favor of plans that use health savings accounts and the sale of insurance across state lines.

(Reporting by Jason Lange and Toni Clarke; Editing by Jeffrey Benkoe)

Admin · 51 vistas · Escribir un comentario
14 Feb. 2017