Atos Origin Signs A Contract With Wm Morrisons For Fuel

Atos Origin Signs A Contract With Wm Morrisons For Fuel Card Management

London, UK July 11th, 2006 – Atos Worldline, an Atos Origin Company, today announced that it has been awarded a five year contract by Morrisons Supermarkets to provide support and business account services for its new Business Fuel Card. It is the first card in the UK retail fuel market to be EMV compliant and Chip & PIN based.

Following the successful takeover and integration of Safeway sites, Morrisons intends to substantially grow its retail fuel business and as part of this drive is launching a new business-to-business fuel card, EMV compliant with Chip and PIN functionality.

Atos Worldline was chosen by Morrisons to manage all services related to the fuel card from application processing via a Web portal with telephone support, credit checking and insurance, account holder database management ; transaction processing, such as online authorisation and invoice & statement production; management information; credit and debt risk management services; through to customer support services.

A key component of the service offered by Atos Worldline is its market leading approval rating for new applications. Experience has shown that this capability has assisted in enabling customers to significantly grow their business account revenues and increase market share.

Atos Worldline was awarded this contract for its in-depth understanding of the fuel market needs as well as proven capabilities in supporting and enabling customers to significantly optimise their business account relationships with powerful and innovative solutions in the domain of payment.

Atos Worldline has for many years been processing the cards and payment business of many large fuel based organisations, which includes credit, debit, loyalty, fuel, fleet and charge cards. The Atos Worldline system provides for transaction authorisation, data acquisition, application processing and fulfilment, credit checking and insurance, account holder management plus merchant reimbursement of all card payment transactions; an end-to end proven solution that delivers tangible benefits and measurable customer growth in a competitive market.

Phil Maud, Director, Petrol Filling Stations, at Wm Morrisons, Wakefield, “We chose Atos Worldline because of its considerable expertise in the delivery and development of fuel card management services. They clearly understand the opportunities and challenges that face this sector today and the future needs of this market. The choice of Atos Worldline as our business partner met our need for a specialist who understands our business requirements, has the technology focus and innovation to deliver and possesses the right mix of creativity, knowledge and experience.

“This contract provides Atos Worldline with a sound basis from which to develop our relationship together into a new era”, states Peter Phillips, Business Unit Director, Electronic Payments & Card Processing, Atos Worldline in the UK. The new Morrisons fuel card will be the first of its kind in the UK retail fuel market. It is unique in that it is EMV compliant, Chip & PIN based and includes the required levels of security and compliance to meet Morrisons business needs.

Get a Loan Is Manageable And Convenient For You to

Get a Loan Is Manageable And Convenient For You to Pay-Off

You most probably have understood by now that when you are negotiating for housing finance, lenders will subject you to a rigorous background check. For this reason you need to make sure you give all your information to the lender up front. This will ensure that the lender can give you an accurate quote as your rate will rise if you have a lower credit score. Mortgage lenders calculate interest rates for consumers using the base rate which is calculated using the prime rate the interest rate the government charges banks for loaning them money.

Negotiate the Best Program Available

If you want the lowest mortgage rates and the best program available, you might consider utilizing the services of professionals who have had a long relationship with a variety of lenders. Just exercise a little caution and deal with someone who is a fully licensed mortgage loan originator endorsed by the Department of Business Oversight (DBO) of your state. Ideally, s/he should be able to offer you a flexible program or at least options on the kind of program you want to choose.

These professionals will take information from you on your specific needs and credit score, combine it with information about the home you fancy (as supplied by a real estate agent), and present the package to a series of lenders who will in turn offer a mortgage package on the basis of that information. They will try and ensure that your mortgage loan is manageable and convenient for you to pay-off within the tenor in your loan contract.

Decide on Your Strategy in Advance

Before you begin your negotiations for a mortgage you need to decide on your strategy. This means you have to decide in advance how long you intend to stay in the house of your choice as well as whether you want to shop by rate or shop by fees. It also means that you must decide in advance whether you want a conventional loan program or an unconventional one. You also need to decide whether you want to get your mortgage through a traditional bank or a mortgage company.

With a zero-closing cost mortgage you might be paying more on monthly instalments, but will eliminate a hefty chunk from your closing costs. Which option is more viable depends on how long you intend to hold the loan. Just keep in mind that the wrong mortgage can have a huge negative impact on your financial future.

Cali home lending is an experienced residential mortgage adviser; here utilize any relationship with a variety of lenders to find the lowest rate and best program. For more information visit website Cali Home Lending

Bankruptcy Law Changes Designed To Hold Debtors Accountable

Under pressure from retailers and other companies claiming losses from increased bankruptcy filings, congress took steps a few years ago to make it more difficult for individuals to file for bankruptcy. Initially, bankruptcy laws were designed to help people, whose financial debt got out of control and were meant to be a method of giving them a new start.

However, over the years many were taking advantage of the bankruptcy laws to continually file bankruptcy as often as allowed by law to get out of paying their financial obligations. This overuse of the system led to more stringent rules to protect creditors often the loser in cases with people who worked the system to their advantage. New laws were designed to prevent those from simply getting out of their obligations.

For those who fall into out-of-control debt, the bankruptcy laws exist to help them make a fresh start. Providing the need for financial and debt management as part of the bankruptcy process will provide the needed help while sifting out those individuals who use the bankruptcy laws to simply create debt and have it wiped out by the court periodically.

In most instances the laws still allow for discharging all legally dischargeable debt for those whose only way out is through bankruptcy. However, it also makes it tougher to meet the demands of the new laws. This may prevent some people from filing for bankruptcy, either Chapter 7 or Chapter 13 from seeking the help offered through bankruptcy, only making their financial life more miserable.

In 2005, the U.S. government seemed to agree with lobbyists for credit companies and determined that too many debtors were allowed to get out from under their self-created debt by filing for bankruptcy. Many were pointing to a few cases in which people with the means to make good on their obligations were simply filing for Chapter 7 bankruptcy and leaving the creditor holding the balance.

The new law, which was supposed to provide additional help to consumers in handling their credit load, also added many requirements, including the need to go through credit counseling services before filing bankruptcy. The counseling is also to provide alternatives to bankruptcy, attempting to move more people from Chapter 7 bankruptcy into a plan that will provide the creditors receiving payments through Chapter 13 filings.

The new bankruptcy laws added extra burdens for the debtor as well as the attorneys, which not only increased the amount of information collected for bankruptcy filings, but also included many new financial requirements that are beginning to resemble the current income tax code. In order to understand the new rules and regulations as well as the reporting requirements, many attorneys will need to specialize in bankruptcy.

There are also penalties in the new law for both attorneys and clients who willfully attempt to use inaccurate information in a bankruptcy petition. If a violation is found by the court, the attorney fees and client costs can be claimed by the court trustee, giving the trustees more incentive to more carefully review all filings in the court.

Resorts 360 – Is It Just A MLM Scam?

Resorts 360 is a network marketing company that offers discount travel services along with an opportunity to grow your own Resorts 360 business. Are you considering joining this company or are you already a distributor? Either way – I think it’s a fair assumption to make that by you reading this article you’re having some doubts whether Resorts 360 really is a great opportunity or if it’s just a MLM scam. And I can certainly understand these doubts, because how to know? And if you’ve heard about the 97 % high failure rate in this industry, you are probably also a bit sceptical. And that’s a good thing, because there certainly are some true concerns about starting your own Resorts 360 business. Now I’ll go through the pros and cons and then finally conclude whether Resorts 360 is a good opportunity or if it’s really just a MLM scam.

First the good

Many people love to travel, and therefore, you know that there’s a market for what Resorts 360 is offering. Also, people like to save money when they book their travels, and Resorts 360 claims that you can save 50% – 75 % off retail by booking through their services. Now that sounds pretty good, right?

To become a distributor and start growing your own Resorts 360 business you have to pay $498 and then about $250 each year to stay active. From every new distributor you find, you earn about $200 and you can earn up to $2000 per sale and furthermore get bonuses.

Overall, Resorts 360 looks like a good company, with a good servic, a market for the service, and also a chance to actually make some real money.

And now the bad

As every other company in the network marketing industry, Resorts 360 recommends their distributors to grow their business by working their “warm market”, meaning that they should talk to all their friends and family members about these great discount travel services and also this awesome opportunity to make money as well. Furthermore they will tell their distributors to hand out business cards, attend home meetings and use replicated websites. Remember that I mentioned the 97 % high failure rate? Well, these techniques only cause failure. At least your success will be very limited by using these techniques

Finally, the conclusion

Resorts 360 is NOT a MLM scam! But with that being said, it’s not a lottery ticket either. You can certainly succeed with your Resorts 360 business, but not by using techniques that have been proven wrong by that many people. In order to succeed you have to stop bugging your friends and family and then start educating yourself in marketing. You have to put time and effort into your Resorts 360 business, and if you aren’t ready to do that you should just use the services instead of wasting your time and money trying to grow a Resorts 360 business the wrong way.