Get Out Of Debt

Android 2.2.1 Update was just released and I got mine for my original Droid phone on Dec 10, 2010. It is still called Froyo, but has some very noticeable enhancements. The new Android Gmail program is my favorite.

Big changes to Droid Gmail / Android Gmail… whatever you call it. The things that bugged me most are now fixed. I can do most everything I need now right from my Android 2.2.1 enhanced Droid phone.

Read on to see what changed… and how you can get the new Gmail even if your phone has not received the Android 2.2.1 system update yet. (disclaimer, your phone must be running at least Android 2.2 to get and use the new Mobile Gmail App)

Here is a list of items that have changed since Froyo 2.2.1 came onto the scene:

* New Twitter Widget
* New Amazon Widget
* New News & Weather Widget
* Improvements to Microsoft Exchange ActiveSync
* *** Improved GMAIL for Android Phones ***
* Priority Inbox added to Mobile Gmail
* More Reply options in more places
* Ability to reply “inline”

The stuff listed here are what we go into in more detail on our website, but knowing which ones to look for could be helpful to guide you in discovering what’s new in 2.2.1.

You get the benefit of our struggle to figure it all out, and get to learn about it the easy way. We give you free text and video ver. of our training efforts. Find out which format works best for your learning style on our website.

A special note: Our text versions always contain a little more information than the video tutorials do because we try to keep videos as short as practical. We have quick text tip articles as well.

Get the most our of your Droid Phone the easy way via UseMyDroid.com.

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A sidewalk sign is beneficial to a small business in many ways. Really, too many to name with just this one article. However, with this article, I would like to point out 3 very important benefits of having a sidewalk sign in front of your small business.

Attract new customers – A sidewalk sign has the ability to attract more new customers than any other form of advertising. In a survey that was done by Signtronix a few years back, 44% of customers said they learned about a particular business because of a sign. That is almost half of the customers who came in the store. No other form of advertising can create that type of reach.

Brands your business – Branding your business is very important. The more consistent your message, the more your customers will remember you. Use the same image that you use on your business cards and stationary on your sidewalk sign.

You want people to see your image or logo and automatically associate it with your business. So put your logo right about the deals you are advertising on your sidewalk sign.

Creates impulse buys – This is probably the greatest benefit of all. A lot of businesses survive due to impulse buys. In a study done by the University of California at Berkeley, they found that out of the 30,000 purchases they analyzed, 68% were unplanned, or made on impulse. That’s a huge percentage. That means that more than likely, those customers either saw a sign or some type of advertising that made them want to stop.

As you can see, a sidewalk sign can have a huge impact on your bottom line. When it boils down to it, there really is no better way to bring in more customers. No small business can survive without customers.

A credit monitoring service is an annual membership service. This service typically gives you immediate access to your credit report from one or all 3 major credit bureaus. You will also receive access to your credit score. This could be the credit bureaus own score or possibly your FICO score. You may want to opt for a service that provides access to your FICO score. This is the score most lenders will use to determine whether to approve your application for a loan or credit card.

As you begin repairing your credit you will be able to monitor your credit score at periodic intervals. This will let you see if the changes you are making are having a positive effect. This can be a great benefit as you will be able to tell immediately what is working and what isn’t. Some of the services even offer tools to let you see what changes will benefit you the most, such as paying off a certain credit card, before you even make such a change.

This can be very beneficial in determining your strategy to repairing your credit.

By combining your credit reports from all 3 credit bureaus, you will easily be able to see the differences in your credit reports between all credit bureaus. Since each credit bureau maintains its own consumer credit database, don’t be surprised to find differences on each one of your credit reports. This is why it’s essential to get a copy of all 3 credit reports because you won’t know which credit agency in advance that a lender might check your credit with.

Alerting is a feature that allows you to receive email notices if any major changes happen to your credit report. Most services allow you to monitor changes from all 3 credit bureaus.

This can be an ideal way to detect Identity Theft. Also, if you are in the process of getting a home loan or auto loan, you will want to know ahead of time if something changes in your credit report that may hinder your approval process.

Many of the credit monitoring services even offer Identity Theft insurance. By being enrolled in their service, you entitled up to ,000 in damages if you are a victim of Identity Theft.

Credit Monitoring as a service then allows you access to your credit report at all 3 credit bureaus, and the ability to see the bureaus own credit score or you FICO score. Alerts can be setup to notify you of significant changes to your credit that could be Identity Theft.

James Nicholson is the author of this article on payment processing.For more information about the best merchant accounts.

There’s now a training and accreditation body called the Wellness Council of America. It’s trying to catch the wave by establishing standards for all sides of the equation, namely the employers, the employees, the medical profession, wellness professionals and the insurance industry. This is like trying to herd cats. Most employees come to work and fail to see any benefit to them in participating in any fitness exercises or comparable activities. Indeed, many grow deeply resentful if their employer tries to push them into dressing in something sporty and getting out of breath doing something aerobic. They see this as an invasion of their privacy. If they want to be overweight or merely unfit, that’s their business and their employer is not paying them to lose weight or prepare for the next NY Marathon. Yet, perhaps surprisingly, three-quarters of all employers are now offering some type of program. We all know this enthusiasm for encouraging greater levels of activity in their employees is rewarded by lower premium rates from the insurers, but why has it become so popular?

This is where statistics hit the wall of prejudices from all the individual employees who resist being rousted out of their comfortable offices and set workplace routines. The evidence suggests that every $1 spent on a comprehensive wellness program saves about $3 in health costs. Even more interestingly from the employer’s point of view is that healthy employees tend to have better morale and work more effectively. When you add in better attendance and greater productivity, employers tend to be pleased by the outcomes. So how are employers persuading their employees to play ball (literally and metaphorically)? The answer comes in two completely different elements.

First, the program must be well-designed. This starts with an analysis of the health records of all the staff. When the employers look back through all the health claims made over as long a period as possible, it’s possible to identify the health problems most consistently affecting the loyal workers. Pleasingly, this may indicate changes to work practices to reduce the incidence of these problems. For example, if too many staff are affected by repetitive strain injuries, a simple redesign of the work may avoid the problem. This will improve the attitude of the staff who will no longer feel victimized and save money on health claims. To speed this process along, it’s often a good idea to establish employee committees to discuss workplace problems and suggest improvements to minimize injuries. Again the evidence shows directly involving the employees in changing workplace routines to make life easier and safer is highly motivating.

Second, staff have to feel motivated not just in theoretical discussions but also in participation. This relies on financial incentives. Look at bonuses for completing a course of activities, or in hitting a weight target, or being able to meet a jogging target. This can be in cash or in contributions to the health savings accounts. The more employees receive incentives, the better their active engagement. The result of the best programs is cheap health insurance rates for all active participants. The word of mouth generated by those with savings encourages the slackers. Health insurance rates will be lower if all if employers plan and reward their staff.